Home > Ixonia Bank > Performance and Condition Ratios
Ixonia 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 | 9.7533% | 76 |
| Cost of funding earning assets | 2.3181% | 528 |
| Net interest margin | 7.4352% | 44 |
| Noninterest income to average assets | 5.8900% | 117 |
| Noninterest expense to average assets | 11.4283% | 106 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.6341% | 3,356 |
| Return on assets (ROA) | 0.6341% | 3,331 |
| Pretax return on assets | 0.9679% | 2,756 |
| Return on Equity (ROE) | 8.6600% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.6638% | 1,344 |
| Net charge-offs to loans | 0.1142% | 829 |
| Credit loss provision to net charge-offs | 347.5442% | 856 |
| Earnings coverage of net charge-offs (x) | 16.3792% | 2,008 |
| Efficiency ratio | 90.2927% | 403 |
| Assets per employee ($millions) | 1.4921% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,669 |
| Loan loss allowance to noncurrent loans | 874.7287% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 2,919 |
| Noncurrent loans to loans | 0.1291% | 2,866 |
| Net loans and leases to total assets | 69.8500% | 1,829 |
| Net loans and leases to deposits | 96.8006% | 730 |
| Net loans and leases to core deposits | 111.3231% | 909 |
| Total domestic deposits to total assets | 72.1600% | 4,221 |
| Equity capital to assets | 8.3978% | 3,123 |
| Core capital (leverage) ratio | 9.6031% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0761% | 1,840 |
| Memoranda: | ||
| Average total assets | $678,551,000 | 1,336 |
| Average earning assets | $617,155,000 | 1,348 |
| Average equity | $49,666,400 | 1,617 |
| Average total loans | $445,826,200 | 1,356 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5670% | 74 |
| Cost of funding earning assets | 2.2139% | 482 |
| Net interest margin | 7.3532% | 46 |
| Noninterest income to average assets | 6.3500% | 110 |
| Noninterest expense to average assets | 11.4908% | 105 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 0.9932% | 2,383 |
| Return on assets (ROA) | 0.9932% | 2,370 |
| Pretax return on assets | 1.3232% | 1,967 |
| Return on Equity (ROE) | 14.1200% | 1,626 |
| Retained earnings to average equity (ytd only) | 14.1164% | 661 |
| Net charge-offs to loans | 0.0944% | 820 |
| Credit loss provision to net charge-offs | 349.6732% | 795 |
| Earnings coverage of net charge-offs (x) | 25.2712% | 1,690 |
| Efficiency ratio | 88.2108% | 435 |
| Assets per employee ($millions) | 1.4004% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,050 |
| Loan loss allowance to noncurrent loans | 10,946.8085% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,797 |
| Noncurrent loans to loans | 0.0097% | 3,726 |
| Net loans and leases to total assets | 67.1300% | 2,150 |
| Net loans and leases to deposits | 97.0831% | 674 |
| Net loans and leases to core deposits | 113.3116% | 761 |
| Total domestic deposits to total assets | 69.1400% | 4,342 |
| Equity capital to assets | 7.0685% | 3,576 |
| Core capital (leverage) ratio | 8.3786% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2462% | 2,530 |
| Memoranda: | ||
| Average total assets | $671,374,750 | 1,342 |
| Average earning assets | $609,174,500 | 1,360 |
| Average equity | $47,234,500 | 1,665 |
| Average total loans | $432,362,000 | 1,382 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8160% | 82 |
| Cost of funding earning assets | 1.9629% | 538 |
| Net interest margin | 6.8532% | 56 |
| Noninterest income to average assets | 6.0300% | 109 |
| Noninterest expense to average assets | 11.0678% | 101 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.6734% | 3,399 |
| Return on assets (ROA) | 0.6734% | 3,401 |
| Pretax return on assets | 0.9718% | 2,988 |
| Return on Equity (ROE) | 9.5900% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.5876% | 1,514 |
| Net charge-offs to loans | 0.1363% | 553 |
| Credit loss provision to net charge-offs | 222.2615% | 1,001 |
| Earnings coverage of net charge-offs (x) | 13.5124% | 1,903 |
| Efficiency ratio | 90.4906% | 341 |
| Assets per employee ($millions) | 1.4319% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,283 |
| Loan loss allowance to noncurrent loans | 4,110.4348% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,030 |
| Noncurrent loans to loans | 0.0251% | 3,576 |
| Net loans and leases to total assets | 65.0000% | 2,280 |
| Net loans and leases to deposits | 93.1471% | 939 |
| Net loans and leases to core deposits | 108.1807% | 899 |
| Total domestic deposits to total assets | 69.7800% | 4,368 |
| Equity capital to assets | 6.7585% | 3,895 |
| Core capital (leverage) ratio | 8.1315% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9873% | 2,631 |
| Memoranda: | ||
| Average total assets | $657,567,333 | 1,365 |
| Average earning assets | $595,346,333 | 1,392 |
| Average equity | $46,184,667 | 1,694 |
| Average total loans | $415,273,667 | 1,414 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7642% | 70 |
| Cost of funding earning assets | 1.5610% | 749 |
| Net interest margin | 6.2032% | 84 |
| Noninterest income to average assets | 4.9700% | 126 |
| Noninterest expense to average assets | 9.9868% | 106 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.2754% | 4,279 |
| Return on assets (ROA) | 0.2754% | 4,247 |
| Pretax return on assets | 0.4008% | 4,131 |
| Return on Equity (ROE) | 3.8400% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.8414% | 3,315 |
| Net charge-offs to loans | 0.1787% | 406 |
| Credit loss provision to net charge-offs | 174.4318% | 882 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 1,817 |
| Efficiency ratio | 94.3914% | 252 |
| Assets per employee ($millions) | 1.5250% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,256 |
| Loan loss allowance to noncurrent loans | 6,539.1304% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,022 |
| Noncurrent loans to loans | 0.0162% | 3,684 |
| Net loans and leases to total assets | 63.1300% | 2,348 |
| Net loans and leases to deposits | 92.7241% | 875 |
| Net loans and leases to core deposits | 98.3960% | 1,157 |
| Total domestic deposits to total assets | 68.0900% | 4,459 |
| Equity capital to assets | 6.9539% | 3,852 |
| Core capital (leverage) ratio | 8.6200% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6713% | 2,816 |
| Memoranda: | ||
| Average total assets | $637,681,000 | 1,417 |
| Average earning assets | $577,055,500 | 1,452 |
| Average equity | $45,712,000 | 1,719 |
| Average total loans | $393,915,000 | 1,488 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 133 |
| Cost of funding earning assets | 0.6149% | 844 |
| Net interest margin | 5.0169% | 133 |
| Noninterest income to average assets | 4.3500% | 140 |
| Noninterest expense to average assets | 9.2295% | 113 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | -0.3581% | 4,630 |
| Return on assets (ROA) | -0.3581% | 4,619 |
| Pretax return on assets | -0.4666% | 4,625 |
| Return on Equity (ROE) | -4.2000% | 4,616 |
| Retained earnings to average equity (ytd only) | -4.2011% | 4,553 |
| Net charge-offs to loans | 0.1050% | 710 |
| Credit loss provision to net charge-offs | 207.7151% | 1,095 |
| Earnings coverage of net charge-offs (x) | -6.2136% | 4,688 |
| Efficiency ratio | 103.9385% | 125 |
| Assets per employee ($millions) | 1.5943% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,581 |
| Loan loss allowance to noncurrent loans | 3,758.6957% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 1,335 |
| Noncurrent loans to loans | 0.0254% | 3,613 |
| Net loans and leases to total assets | 58.9700% | 2,736 |
| Net loans and leases to deposits | 77.1772% | 2,019 |
| Net loans and leases to core deposits | 82.0305% | 2,006 |
| Total domestic deposits to total assets | 76.4000% | 4,232 |
| Equity capital to assets | 7.4044% | 3,435 |
| Core capital (leverage) ratio | 8.7362% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2859% | 2,245 |
| Memoranda: | ||
| Average total assets | $598,757,000 | 1,488 |
| Average earning assets | $540,933,000 | 1,518 |
| Average equity | $51,034,200 | 1,596 |
| Average total loans | $320,818,400 | 1,634 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2086% | 162 |
| Cost of funding earning assets | 0.4735% | 864 |
| Net interest margin | 4.7351% | 162 |
| Noninterest income to average assets | 5.0800% | 135 |
| Noninterest expense to average assets | 9.2553% | 115 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | -0.0170% | 4,608 |
| Return on assets (ROA) | -0.0170% | 4,581 |
| Pretax return on assets | 0.0494% | 4,541 |
| Return on Equity (ROE) | -0.1900% | 4,566 |
| Retained earnings to average equity (ytd only) | -0.1928% | 4,366 |
| Net charge-offs to loans | -0.0107% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 98.9345% | 169 |
| Assets per employee ($millions) | 1.7784% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,616 |
| Loan loss allowance to noncurrent loans | 716.2741% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 917 |
| Noncurrent loans to loans | 0.1354% | 2,960 |
| Net loans and leases to total assets | 56.8200% | 2,820 |
| Net loans and leases to deposits | 70.3767% | 2,331 |
| Net loans and leases to core deposits | 75.0325% | 2,276 |
| Total domestic deposits to total assets | 80.7400% | 4,023 |
| Equity capital to assets | 7.7199% | 3,075 |
| Core capital (leverage) ratio | 8.6499% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2835% | 1,946 |
| Memoranda: | ||
| Average total assets | $596,590,500 | 1,498 |
| Average earning assets | $539,198,750 | 1,537 |
| Average equity | $52,548,750 | 1,579 |
| Average total loans | $310,615,000 | 1,668 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 236 |
| Cost of funding earning assets | 0.3605% | 1,190 |
| Net interest margin | 4.3961% | 228 |
| Noninterest income to average assets | 5.5007% | 89 |
| Noninterest expense to average assets | 9.3979% | 77 |
| Loan and lease loss provision to assets | 0.0420% | 1,817 |
| Net operating income to assets | -0.0460% | 4,597 |
| Return on assets (ROA) | -0.0460% | 4,565 |
| Pretax return on assets | 0.0407% | 4,521 |
| Return on Equity (ROE) | -0.5019% | 4,570 |
| Retained earnings to average equity (ytd only) | -0.5019% | 4,235 |
| Net charge-offs to loans | -0.0147% | 3,754 |
| Credit loss provision to net charge-offs | -568.1818% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1279% | 199 |
| Assets per employee ($millions) | 1.9435% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,748 |
| Loan loss allowance to noncurrent loans | 1,296.8000% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 1,085 |
| Noncurrent loans to loans | 0.0744% | 3,429 |
| Net loans and leases to total assets | 53.3541% | 3,029 |
| Net loans and leases to deposits | 66.2047% | 2,533 |
| Net loans and leases to core deposits | 71.1320% | 2,408 |
| Total domestic deposits to total assets | 80.5895% | 4,175 |
| Equity capital to assets | 8.1452% | 3,011 |
| Core capital (leverage) ratio | 9.3584% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8891% | 2,105 |
| Memoranda: | ||
| Average total assets | $595,089,333 | 1,506 |
| Average earning assets | $538,752,333 | 1,558 |
| Average equity | $54,597,000 | 1,563 |
| Average total loans | $299,187,333 | 1,706 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 520 |
| Cost of funding earning assets | 0.3474% | 1,231 |
| Net interest margin | 3.8490% | 572 |
| Noninterest income to average assets | 5.9314% | 86 |
| Noninterest expense to average assets | 9.1495% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3017% | 4,141 |
| Return on assets (ROA) | 0.3017% | 4,113 |
| Pretax return on assets | 0.2700% | 4,230 |
| Return on Equity (ROE) | 3.1015% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.1015% | 3,227 |
| Net charge-offs to loans | -0.0171% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1335% | 298 |
| Assets per employee ($millions) | 1.6526% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,221 |
| Loan loss allowance to noncurrent loans | 310,600.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 1,136 |
| Noncurrent loans to loans | 0.0004% | 4,062 |
| Net loans and leases to total assets | 47.7830% | 3,407 |
| Net loans and leases to deposits | 54.3495% | 3,392 |
| Net loans and leases to core deposits | 58.4080% | 3,278 |
| Total domestic deposits to total assets | 87.9180% | 2,561 |
| Equity capital to assets | 9.4728% | 2,310 |
| Core capital (leverage) ratio | 9.7716% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9736% | 1,264 |
| Memoranda: | ||
| Average total assets | $580,707,500 | 1,556 |
| Average earning assets | $526,263,500 | 1,598 |
| Average equity | $56,488,500 | 1,556 |
| Average total loans | $280,734,500 | 1,789 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 381 |
| Cost of funding earning assets | 0.4767% | 1,025 |
| Net interest margin | 4.2905% | 415 |
| Noninterest income to average assets | 9.5398% | 66 |
| Noninterest expense to average assets | 12.0517% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9614% | 2,833 |
| Return on assets (ROA) | 0.9871% | 2,791 |
| Pretax return on assets | 1.3723% | 2,130 |
| Return on Equity (ROE) | 9.3460% | 2,776 |
| Retained earnings to average equity (ytd only) | 9.3460% | 1,086 |
| Net charge-offs to loans | -0.0767% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9959% | 332 |
| Assets per employee ($millions) | 1.6943% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 1,306 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.8354% | 3,509 |
| Net loans and leases to deposits | 55.1418% | 3,502 |
| Net loans and leases to core deposits | 59.5110% | 3,352 |
| Total domestic deposits to total assets | 86.7499% | 2,599 |
| Equity capital to assets | 9.9745% | 2,677 |
| Core capital (leverage) ratio | 10.1013% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4694% | 972 |
| Memoranda: | ||
| Average total assets | $549,385,200 | 1,578 |
| Average earning assets | $493,182,400 | 1,625 |
| Average equity | $58,024,800 | 1,557 |
| Average total loans | $307,571,000 | 1,674 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 334 |
| Cost of funding earning assets | 0.5073% | 1,014 |
| Net interest margin | 4.4351% | 351 |
| Noninterest income to average assets | 10.1463% | 66 |
| Noninterest expense to average assets | 12.5411% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1569% | 2,336 |
| Return on assets (ROA) | 1.1918% | 2,253 |
| Pretax return on assets | 1.6158% | 1,649 |
| Return on Equity (ROE) | 11.1155% | 2,338 |
| Retained earnings to average equity (ytd only) | 11.1155% | 1,036 |
| Net charge-offs to loans | -0.0953% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8642% | 353 |
| Assets per employee ($millions) | 1.6335% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 1,398 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.5560% | 3,135 |
| Net loans and leases to deposits | 61.5892% | 3,085 |
| Net loans and leases to core deposits | 66.9042% | 2,869 |
| Total domestic deposits to total assets | 85.3332% | 3,009 |
| Equity capital to assets | 10.7033% | 2,261 |
| Core capital (leverage) ratio | 10.4168% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7794% | 1,177 |
| Memoranda: | ||
| Average total assets | $539,323,500 | 1,609 |
| Average earning assets | $482,318,750 | 1,672 |
| Average equity | $57,827,750 | 1,589 |
| Average total loans | $316,028,750 | 1,667 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 278 |
| Cost of funding earning assets | 0.5413% | 983 |
| Net interest margin | 4.6035% | 307 |
| Noninterest income to average assets | 10.3839% | 62 |
| Noninterest expense to average assets | 12.6199% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3885% | 1,589 |
| Return on assets (ROA) | 1.4413% | 1,510 |
| Pretax return on assets | 1.9478% | 925 |
| Return on Equity (ROE) | 13.4342% | 1,585 |
| Retained earnings to average equity (ytd only) | 13.4342% | 647 |
| Net charge-offs to loans | -0.1335% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0289% | 434 |
| Assets per employee ($millions) | 1.6820% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 3,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 1,507 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.6752% | 2,818 |
| Net loans and leases to deposits | 66.0628% | 2,818 |
| Net loans and leases to core deposits | 74.7951% | 2,350 |
| Total domestic deposits to total assets | 85.7899% | 2,808 |
| Equity capital to assets | 10.7658% | 2,174 |
| Core capital (leverage) ratio | 10.4773% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9360% | 1,350 |
| Memoranda: | ||
| Average total assets | $535,061,333 | 1,614 |
| Average earning assets | $478,503,000 | 1,672 |
| Average equity | $57,405,667 | 1,589 |
| Average total loans | $323,621,333 | 1,645 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 370 |
| Cost of funding earning assets | 0.5852% | 939 |
| Net interest margin | 4.3929% | 433 |
| Noninterest income to average assets | 11.6343% | 64 |
| Noninterest expense to average assets | 12.7521% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0496% | 534 |
| Return on assets (ROA) | 2.0496% | 573 |
| Pretax return on assets | 2.8251% | 293 |
| Return on Equity (ROE) | 19.1382% | 612 |
| Retained earnings to average equity (ytd only) | 19.1382% | 312 |
| Net charge-offs to loans | -0.2444% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8641% | 706 |
| Assets per employee ($millions) | 1.5905% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 1,677 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.1646% | 2,272 |
| Net loans and leases to deposits | 72.3770% | 2,273 |
| Net loans and leases to core deposits | 81.8932% | 1,846 |
| Total domestic deposits to total assets | 85.8899% | 2,774 |
| Equity capital to assets | 10.7205% | 2,063 |
| Core capital (leverage) ratio | 10.6919% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4508% | 1,180 |
| Memoranda: | ||
| Average total assets | $529,262,500 | 1,609 |
| Average earning assets | $475,034,000 | 1,664 |
| Average equity | $56,682,500 | 1,592 |
| Average total loans | $328,985,500 | 1,635 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 764 |
| Cost of funding earning assets | 0.8302% | 1,092 |
| Net interest margin | 3.9477% | 1,095 |
| Noninterest income to average assets | 8.2628% | 84 |
| Noninterest expense to average assets | 9.2078% | 82 |
| Loan and lease loss provision to assets | 0.0937% | 3,180 |
| Net operating income to assets | 1.8074% | 379 |
| Return on assets (ROA) | 1.9606% | 309 |
| Pretax return on assets | 2.6882% | 152 |
| Return on Equity (ROE) | 17.8173% | 347 |
| Retained earnings to average equity (ytd only) | 17.8173% | 91 |
| Net charge-offs to loans | 0.0585% | 1,940 |
| Credit loss provision to net charge-offs | 247.1264% | 1,952 |
| Earnings coverage of net charge-offs (x) | 68.2586% | 994 |
| Efficiency ratio | 78.0604% | 1,027 |
| Assets per employee ($millions) | 1.8206% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 1,824 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 61.0212% | 2,727 |
| Net loans and leases to deposits | 70.4931% | 2,829 |
| Net loans and leases to core deposits | 80.4878% | 2,320 |
| Total domestic deposits to total assets | 86.5633% | 2,119 |
| Equity capital to assets | 10.6986% | 2,528 |
| Core capital (leverage) ratio | 10.4053% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1148% | 1,236 |
| Memoranda: | ||
| Average total assets | $458,937,800 | 1,674 |
| Average earning assets | $410,724,600 | 1,733 |
| Average equity | $50,501,600 | 1,679 |
| Average total loans | $297,198,600 | 1,694 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,479 |
| Cost of funding earning assets | 0.8777% | 1,145 |
| Net interest margin | 3.6637% | 2,046 |
| Noninterest income to average assets | 6.5972% | 89 |
| Noninterest expense to average assets | 7.3601% | 105 |
| Loan and lease loss provision to assets | 0.1174% | 2,856 |
| Net operating income to assets | 1.7423% | 523 |
| Return on assets (ROA) | 1.9251% | 386 |
| Pretax return on assets | 2.6323% | 174 |
| Return on Equity (ROE) | 17.3527% | 412 |
| Retained earnings to average equity (ytd only) | 17.3527% | 120 |
| Net charge-offs to loans | 0.0838% | 1,470 |
| Credit loss provision to net charge-offs | 213.1148% | 2,060 |
| Earnings coverage of net charge-offs (x) | 45.7268% | 1,256 |
| Efficiency ratio | 74.5072% | 1,356 |
| Assets per employee ($millions) | 1.9115% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 4,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 1,937 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.6085% | 1,570 |
| Net loans and leases to deposits | 87.8596% | 1,500 |
| Net loans and leases to core deposits | 99.5577% | 1,187 |
| Total domestic deposits to total assets | 82.6415% | 3,238 |
| Equity capital to assets | 10.5566% | 2,741 |
| Core capital (leverage) ratio | 10.2304% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0880% | 1,480 |
| Memoranda: | ||
| Average total assets | $443,043,000 | 1,700 |
| Average earning assets | $396,782,250 | 1,756 |
| Average equity | $49,151,500 | 1,708 |
| Average total loans | $291,072,250 | 1,720 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 1,760 |
| Cost of funding earning assets | 0.9319% | 1,232 |
| Net interest margin | 3.6271% | 2,392 |
| Noninterest income to average assets | 3.1810% | 153 |
| Noninterest expense to average assets | 4.4160% | 276 |
| Loan and lease loss provision to assets | 0.1304% | 2,716 |
| Net operating income to assets | 1.3490% | 1,223 |
| Return on assets (ROA) | 1.6370% | 764 |
| Pretax return on assets | 2.2485% | 335 |
| Return on Equity (ROE) | 14.4746% | 794 |
| Retained earnings to average equity (ytd only) | 14.4746% | 248 |
| Net charge-offs to loans | 0.1565% | 943 |
| Credit loss provision to net charge-offs | 132.8502% | 2,221 |
| Earnings coverage of net charge-offs (x) | 20.5266% | 1,683 |
| Efficiency ratio | 68.6744% | 2,147 |
| Assets per employee ($millions) | 2.2017% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 1,928 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.7063% | 2,537 |
| Net loans and leases to deposits | 80.1170% | 2,409 |
| Net loans and leases to core deposits | 90.4681% | 2,035 |
| Total domestic deposits to total assets | 83.2610% | 3,009 |
| Equity capital to assets | 10.4699% | 2,769 |
| Core capital (leverage) ratio | 10.1271% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5675% | 1,611 |
| Memoranda: | ||
| Average total assets | $421,878,667 | 1,743 |
| Average earning assets | $377,933,333 | 1,793 |
| Average equity | $47,711,000 | 1,748 |
| Average total loans | $264,564,000 | 1,822 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 3,324 |
| Cost of funding earning assets | 0.9878% | 1,475 |
| Net interest margin | 3.1805% | 3,908 |
| Noninterest income to average assets | 0.6904% | 1,682 |
| Noninterest expense to average assets | 3.1159% | 1,599 |
| Loan and lease loss provision to assets | 0.0509% | 3,141 |
| Net operating income to assets | 0.2647% | 4,421 |
| Return on assets (ROA) | 0.5478% | 3,816 |
| Pretax return on assets | 0.7148% | 3,634 |
| Return on Equity (ROE) | 4.6339% | 3,771 |
| Retained earnings to average equity (ytd only) | 4.6339% | 2,442 |
| Net charge-offs to loans | 0.3466% | 411 |
| Credit loss provision to net charge-offs | 24.5098% | 2,178 |
| Earnings coverage of net charge-offs (x) | 1.9608% | 2,326 |
| Efficiency ratio | 88.4393% | 562 |
| Assets per employee ($millions) | 5.0153% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 1,767 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 59.4426% | 3,551 |
| Net loans and leases to deposits | 69.0773% | 3,657 |
| Net loans and leases to core deposits | 78.9052% | 3,292 |
| Total domestic deposits to total assets | 86.0523% | 1,981 |
| Equity capital to assets | 11.9361% | 2,120 |
| Core capital (leverage) ratio | 10.9368% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6913% | 2,007 |
| Memoranda: | ||
| Average total assets | $392,830,000 | 1,796 |
| Average earning assets | $349,881,500 | 1,852 |
| Average equity | $46,440,000 | 1,780 |
| Average total loans | $235,424,500 | 1,962 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 2,701 |
| Cost of funding earning assets | 0.9671% | 1,872 |
| Net interest margin | 3.6056% | 3,120 |
| Noninterest income to average assets | 0.8060% | 1,433 |
| Noninterest expense to average assets | 3.0538% | 1,868 |
| Loan and lease loss provision to assets | 0.0406% | 3,201 |
| Net operating income to assets | 0.6597% | 3,989 |
| Return on assets (ROA) | 0.6572% | 4,067 |
| Pretax return on assets | 0.9110% | 3,709 |
| Return on Equity (ROE) | 5.4806% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.4806% | 2,174 |
| Net charge-offs to loans | 0.2124% | 964 |
| Credit loss provision to net charge-offs | 31.3152% | 3,262 |
| Earnings coverage of net charge-offs (x) | 7.3674% | 2,884 |
| Efficiency ratio | 76.1812% | 1,343 |
| Assets per employee ($millions) | 5.1244% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,846 |
| Loan loss allowance to noncurrent loans | 393.4947% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 1,339 |
| Noncurrent loans to loans | 0.2838% | 3,426 |
| Net loans and leases to total assets | 59.1302% | 3,662 |
| Net loans and leases to deposits | 67.8105% | 3,833 |
| Net loans and leases to core deposits | 77.0788% | 3,508 |
| Total domestic deposits to total assets | 87.1992% | 1,521 |
| Equity capital to assets | 11.7057% | 2,349 |
| Core capital (leverage) ratio | 10.8815% | 2,611 |
| Tier 1 risk-based capital ratio | 13.6407% | 3,438 |
| Total risk-based capital ratio | 14.5172% | 3,531 |
| Memoranda: | ||
| Average total assets | $369,608,000 | 1,847 |
| Average earning assets | $328,293,800 | 1,884 |
| Average equity | $44,320,200 | 1,777 |
| Average total loans | $225,465,800 | 1,985 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 2,581 |
| Cost of funding earning assets | 0.9403% | 2,039 |
| Net interest margin | 3.7056% | 2,897 |
| Noninterest income to average assets | 0.6739% | 1,898 |
| Noninterest expense to average assets | 3.0674% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6594% | 4,135 |
| Return on assets (ROA) | 0.6560% | 4,196 |
| Pretax return on assets | 0.9090% | 3,846 |
| Return on Equity (ROE) | 5.4358% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.4358% | 2,654 |
| Net charge-offs to loans | -0.0256% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0552% | 1,212 |
| Assets per employee ($millions) | 4.7572% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0257% | 1,305 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.2931% | 3,463 |
| Net loans and leases to deposits | 71.8824% | 3,619 |
| Net loans and leases to core deposits | 81.9395% | 3,250 |
| Total domestic deposits to total assets | 86.6597% | 1,703 |
| Equity capital to assets | 12.2396% | 2,084 |
| Core capital (leverage) ratio | 11.0188% | 2,622 |
| Tier 1 risk-based capital ratio | 13.7073% | 3,477 |
| Total risk-based capital ratio | 14.7273% | 3,491 |
| Memoranda: | ||
| Average total assets | $364,647,250 | 1,882 |
| Average earning assets | $325,410,750 | 1,914 |
| Average equity | $44,003,250 | 1,799 |
| Average total loans | $223,611,250 | 2,012 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 2,561 |
| Cost of funding earning assets | 0.9142% | 2,079 |
| Net interest margin | 3.7219% | 2,866 |
| Noninterest income to average assets | 0.6096% | 2,101 |
| Noninterest expense to average assets | 3.0808% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6128% | 4,277 |
| Return on assets (ROA) | 0.6041% | 4,337 |
| Pretax return on assets | 0.8353% | 4,009 |
| Return on Equity (ROE) | 5.0308% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.0308% | 2,756 |
| Net charge-offs to loans | -0.0336% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4490% | 1,098 |
| Assets per employee ($millions) | 4.4817% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 1,307 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.9097% | 3,552 |
| Net loans and leases to deposits | 71.2810% | 3,743 |
| Net loans and leases to core deposits | 80.5924% | 3,378 |
| Total domestic deposits to total assets | 86.8530% | 1,663 |
| Equity capital to assets | 12.3112% | 1,977 |
| Core capital (leverage) ratio | 10.9814% | 2,618 |
| Tier 1 risk-based capital ratio | 13.6712% | 3,499 |
| Total risk-based capital ratio | 14.7120% | 3,501 |
| Memoranda: | ||
| Average total assets | $362,508,000 | 1,894 |
| Average earning assets | $323,116,330 | 1,935 |
| Average equity | $43,532,000 | 1,811 |
| Average total loans | $220,108,000 | 2,045 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 2,701 |
| Cost of funding earning assets | 0.8638% | 2,187 |
| Net interest margin | 3.6853% | 2,947 |
| Noninterest income to average assets | 0.5400% | 2,338 |
| Noninterest expense to average assets | 3.0653% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5753% | 4,312 |
| Return on assets (ROA) | 0.5753% | 4,347 |
| Pretax return on assets | 0.7486% | 4,174 |
| Return on Equity (ROE) | 4.8519% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.8519% | 2,972 |
| Net charge-offs to loans | -0.0388% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3706% | 1,021 |
| Assets per employee ($millions) | 4.2922% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,877 |
| Loan loss allowance to noncurrent loans | 2,921.7822% | 239 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 1,310 |
| Noncurrent loans to loans | 0.0462% | 4,555 |
| Net loans and leases to total assets | 59.8686% | 3,722 |
| Net loans and leases to deposits | 69.4473% | 3,806 |
| Net loans and leases to core deposits | 78.1068% | 3,511 |
| Total domestic deposits to total assets | 86.2072% | 2,182 |
| Equity capital to assets | 12.0510% | 1,994 |
| Core capital (leverage) ratio | 10.7739% | 2,784 |
| Tier 1 risk-based capital ratio | 13.5675% | 3,573 |
| Total risk-based capital ratio | 14.6250% | 3,587 |
| Memoranda: | ||
| Average total assets | $362,252,500 | 1,908 |
| Average earning assets | $321,823,000 | 1,951 |
| Average equity | $42,952,000 | 1,822 |
| Average total loans | $216,306,500 | 2,088 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 2,606 |
| Cost of funding earning assets | 0.7486% | 1,800 |
| Net interest margin | 3.7024% | 3,026 |
| Noninterest income to average assets | 0.7759% | 1,541 |
| Noninterest expense to average assets | 3.3431% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5151% | 4,628 |
| Return on assets (ROA) | 0.5215% | 4,612 |
| Pretax return on assets | 0.7138% | 4,376 |
| Return on Equity (ROE) | 4.2622% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.2622% | 3,207 |
| Net charge-offs to loans | -0.0268% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5685% | 739 |
| Assets per employee ($millions) | 4.2321% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,752 |
| Loan loss allowance to noncurrent loans | 2,900.9901% | 270 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 1,286 |
| Noncurrent loans to loans | 0.0472% | 4,532 |
| Net loans and leases to total assets | 57.9401% | 3,970 |
| Net loans and leases to deposits | 67.4428% | 4,012 |
| Net loans and leases to core deposits | 75.4147% | 3,759 |
| Total domestic deposits to total assets | 85.9101% | 2,281 |
| Equity capital to assets | 11.6647% | 2,126 |
| Core capital (leverage) ratio | 10.5838% | 2,947 |
| Tier 1 risk-based capital ratio | 13.3960% | 3,606 |
| Total risk-based capital ratio | 14.4578% | 3,605 |
| Memoranda: | ||
| Average total assets | $336,362,000 | 1,961 |
| Average earning assets | $297,346,000 | 2,034 |
| Average equity | $41,152,400 | 1,809 |
| Average total loans | $205,111,200 | 2,139 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,794 |
| Cost of funding earning assets | 0.6827% | 1,961 |
| Net interest margin | 3.6667% | 3,135 |
| Noninterest income to average assets | 0.8090% | 1,442 |
| Noninterest expense to average assets | 3.3873% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4819% | 4,795 |
| Return on assets (ROA) | 0.4905% | 4,785 |
| Pretax return on assets | 0.6754% | 4,591 |
| Return on Equity (ROE) | 3.9581% | 4,827 |
| Retained earnings to average equity (ytd only) | 3.9581% | 3,795 |
| Net charge-offs to loans | -0.0348% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5997% | 671 |
| Assets per employee ($millions) | 4.0883% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,733 |
| Loan loss allowance to noncurrent loans | 2,661.8182% | 271 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 1,230 |
| Noncurrent loans to loans | 0.0523% | 4,660 |
| Net loans and leases to total assets | 59.6870% | 3,877 |
| Net loans and leases to deposits | 69.2275% | 3,975 |
| Net loans and leases to core deposits | 77.4056% | 3,703 |
| Total domestic deposits to total assets | 86.2187% | 2,090 |
| Equity capital to assets | 11.8738% | 1,985 |
| Core capital (leverage) ratio | 10.8161% | 2,776 |
| Tier 1 risk-based capital ratio | 13.3978% | 3,679 |
| Total risk-based capital ratio | 14.4806% | 3,680 |
| Memoranda: | ||
| Average total assets | $329,462,000 | 2,003 |
| Average earning assets | $291,369,500 | 2,082 |
| Average equity | $40,826,750 | 1,826 |
| Average total loans | $202,936,500 | 2,160 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,029 |
| Cost of funding earning assets | 0.6255% | 2,071 |
| Net interest margin | 3.6016% | 3,307 |
| Noninterest income to average assets | 0.8273% | 1,399 |
| Noninterest expense to average assets | 3.4850% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3770% | 5,006 |
| Return on assets (ROA) | 0.3902% | 4,981 |
| Pretax return on assets | 0.5349% | 4,843 |
| Return on Equity (ROE) | 3.1021% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.1021% | 4,009 |
| Net charge-offs to loans | -0.0399% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0559% | 516 |
| Assets per employee ($millions) | 3.7907% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,677 |
| Loan loss allowance to noncurrent loans | 6,940.4762% | 124 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 1,196 |
| Noncurrent loans to loans | 0.0205% | 4,843 |
| Net loans and leases to total assets | 61.3205% | 3,670 |
| Net loans and leases to deposits | 71.5909% | 3,741 |
| Net loans and leases to core deposits | 76.1073% | 3,737 |
| Total domestic deposits to total assets | 85.6540% | 2,430 |
| Equity capital to assets | 12.3578% | 1,625 |
| Core capital (leverage) ratio | 11.0817% | 2,448 |
| Tier 1 risk-based capital ratio | 13.5453% | 3,591 |
| Total risk-based capital ratio | 14.6584% | 3,588 |
| Memoranda: | ||
| Average total assets | $323,447,330 | 2,045 |
| Average earning assets | $285,206,670 | 2,130 |
| Average equity | $40,681,670 | 1,837 |
| Average total loans | $200,467,330 | 2,181 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 3,058 |
| Cost of funding earning assets | 0.5891% | 2,120 |
| Net interest margin | 3.5630% | 3,307 |
| Noninterest income to average assets | 0.8580% | 1,271 |
| Noninterest expense to average assets | 3.4196% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4120% | 4,905 |
| Return on assets (ROA) | 0.4396% | 4,845 |
| Pretax return on assets | 0.6082% | 4,667 |
| Return on Equity (ROE) | 3.4641% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.4641% | 3,815 |
| Net charge-offs to loans | -0.0404% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6428% | 672 |
| Assets per employee ($millions) | 3.6749% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,625 |
| Loan loss allowance to noncurrent loans | 6,293.4783% | 132 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 1,217 |
| Noncurrent loans to loans | 0.0232% | 4,878 |
| Net loans and leases to total assets | 61.1895% | 3,625 |
| Net loans and leases to deposits | 71.6716% | 3,646 |
| Net loans and leases to core deposits | 73.9803% | 3,824 |
| Total domestic deposits to total assets | 85.3748% | 2,795 |
| Equity capital to assets | 12.6760% | 1,392 |
| Core capital (leverage) ratio | 11.2672% | 2,193 |
| Tier 1 risk-based capital ratio | 13.7109% | 3,538 |
| Total risk-based capital ratio | 14.8408% | 3,517 |
| Memoranda: | ||
| Average total assets | $320,275,000 | 2,077 |
| Average earning assets | $281,786,000 | 2,168 |
| Average equity | $40,645,000 | 1,843 |
| Average total loans | $198,128,500 | 2,209 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,891 |
| Cost of funding earning assets | 0.4402% | 2,870 |
| Net interest margin | 3.4072% | 3,830 |
| Noninterest income to average assets | 0.5980% | 2,461 |
| Noninterest expense to average assets | 3.1168% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.8730% | 5,572 |
| Return on assets (ROA) | -0.8726% | 5,571 |
| Pretax return on assets | 0.4160% | 5,067 |
| Return on Equity (ROE) | -6.2756% | 5,560 |
| Retained earnings to average equity (ytd only) | -6.2756% | 5,471 |
| Net charge-offs to loans | -0.0629% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2396% | 520 |
| Assets per employee ($millions) | 3.8195% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 1,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.7340% | 3,761 |
| Net loans and leases to deposits | 72.0893% | 3,695 |
| Net loans and leases to core deposits | 74.2006% | 3,866 |
| Total domestic deposits to total assets | 84.2483% | 3,110 |
| Equity capital to assets | 12.7053% | 1,406 |
| Core capital (leverage) ratio | 11.2415% | 2,136 |
| Tier 1 risk-based capital ratio | 14.0435% | 3,340 |
| Total risk-based capital ratio | 15.2084% | 3,291 |
| Memoranda: | ||
| Average total assets | $311,029,000 | 2,113 |
| Average earning assets | $267,845,600 | 2,224 |
| Average equity | $43,246,800 | 1,721 |
| Average total loans | $174,924,000 | 2,386 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,061 |
| Cost of funding earning assets | 0.4212% | 2,976 |
| Net interest margin | 3.3615% | 3,978 |
| Noninterest income to average assets | 0.7116% | 1,948 |
| Noninterest expense to average assets | 3.0310% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3607% | 5,079 |
| Return on assets (ROA) | 0.3612% | 5,099 |
| Pretax return on assets | 0.5608% | 4,906 |
| Return on Equity (ROE) | 2.5409% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.5409% | 4,368 |
| Net charge-offs to loans | -0.0646% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4062% | 726 |
| Assets per employee ($millions) | 4.0626% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 1,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 1,212 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.1827% | 4,222 |
| Net loans and leases to deposits | 68.0799% | 4,108 |
| Net loans and leases to core deposits | 70.2688% | 4,228 |
| Total domestic deposits to total assets | 82.5247% | 3,619 |
| Equity capital to assets | 14.4108% | 879 |
| Core capital (leverage) ratio | 11.8133% | 1,811 |
| Tier 1 risk-based capital ratio | 15.6571% | 2,651 |
| Total risk-based capital ratio | 16.9183% | 2,587 |
| Memoranda: | ||
| Average total assets | $308,577,500 | 2,135 |
| Average earning assets | $264,317,000 | 2,270 |
| Average equity | $43,867,750 | 1,708 |
| Average total loans | $169,222,500 | 2,446 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6970% | 4,239 |
| Cost of funding earning assets | 0.4143% | 2,942 |
| Net interest margin | 3.2827% | 4,158 |
| Noninterest income to average assets | 0.7027% | 1,979 |
| Noninterest expense to average assets | 2.9353% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3621% | 5,062 |
| Return on assets (ROA) | 0.3650% | 5,079 |
| Pretax return on assets | 0.5711% | 4,859 |
| Return on Equity (ROE) | 2.5791% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.5791% | 4,150 |
| Net charge-offs to loans | -0.0491% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8208% | 859 |
| Assets per employee ($millions) | 3.9250% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 1,244 |
| Loan loss allowance to noncurrent loans | 1,659.7633% | 395 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 1,130 |
| Noncurrent loans to loans | 0.0969% | 4,739 |
| Net loans and leases to total assets | 56.0311% | 4,222 |
| Net loans and leases to deposits | 67.8770% | 4,085 |
| Net loans and leases to core deposits | 70.2199% | 4,209 |
| Total domestic deposits to total assets | 82.5480% | 3,705 |
| Equity capital to assets | 14.4195% | 846 |
| Core capital (leverage) ratio | 11.6242% | 1,883 |
| Tier 1 risk-based capital ratio | 15.6021% | 2,666 |
| Total risk-based capital ratio | 16.8636% | 2,593 |
| Memoranda: | ||
| Average total assets | $308,518,330 | 2,142 |
| Average earning assets | $263,076,670 | 2,283 |
| Average equity | $43,659,000 | 1,712 |
| Average total loans | $166,859,000 | 2,477 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,465 |
| Cost of funding earning assets | 0.4060% | 2,937 |
| Net interest margin | 3.1759% | 4,419 |
| Noninterest income to average assets | 0.6484% | 2,187 |
| Noninterest expense to average assets | 2.8156% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3292% | 5,130 |
| Return on assets (ROA) | 0.3358% | 5,135 |
| Pretax return on assets | 0.5308% | 4,899 |
| Return on Equity (ROE) | 2.3954% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.3954% | 4,187 |
| Net charge-offs to loans | -0.0515% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3980% | 936 |
| Assets per employee ($millions) | 4.1784% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,215 |
| Loan loss allowance to noncurrent loans | 934.5638% | 628 |
| Noncurrent assets plus other real estate owned to assets | 1.7963% | 789 |
| Noncurrent loans to loans | 0.1784% | 4,488 |
| Net loans and leases to total assets | 53.8586% | 4,346 |
| Net loans and leases to deposits | 64.9474% | 4,257 |
| Net loans and leases to core deposits | 67.2697% | 4,334 |
| Total domestic deposits to total assets | 82.9264% | 3,868 |
| Equity capital to assets | 14.3348% | 802 |
| Core capital (leverage) ratio | 11.7425% | 1,793 |
| Tier 1 risk-based capital ratio | 16.1321% | 2,499 |
| Total risk-based capital ratio | 17.3939% | 2,441 |
| Memoranda: | ||
| Average total assets | $309,703,500 | 2,153 |
| Average earning assets | $262,097,000 | 2,304 |
| Average equity | $43,416,000 | 1,729 |
| Average total loans | $163,117,000 | 2,534 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,485 |
| Cost of funding earning assets | 0.3917% | 3,081 |
| Net interest margin | 3.2168% | 4,393 |
| Noninterest income to average assets | 0.7247% | 2,054 |
| Noninterest expense to average assets | 2.8310% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 4.6831% | 38 |
| Return on assets (ROA) | 4.6974% | 39 |
| Pretax return on assets | 0.6443% | 4,664 |
| Return on Equity (ROE) | 35.2925% | 23 |
| Retained earnings to average equity (ytd only) | 35.2925% | 9 |
| Net charge-offs to loans | 0.6242% | 363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.0021% | 3,903 |
| Efficiency ratio | 81.7956% | 1,225 |
| Assets per employee ($millions) | 4.3665% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,067 |
| Loan loss allowance to noncurrent loans | 927.5168% | 653 |
| Noncurrent assets plus other real estate owned to assets | 1.7797% | 834 |
| Noncurrent loans to loans | 0.1872% | 4,488 |
| Net loans and leases to total assets | 49.7494% | 4,784 |
| Net loans and leases to deposits | 59.7045% | 4,693 |
| Net loans and leases to core deposits | 61.9367% | 4,757 |
| Total domestic deposits to total assets | 83.3259% | 3,654 |
| Equity capital to assets | 13.7118% | 979 |
| Core capital (leverage) ratio | 11.4773% | 1,945 |
| Tier 1 risk-based capital ratio | 16.2376% | 2,458 |
| Total risk-based capital ratio | 17.5121% | 2,385 |
| Memoranda: | ||
| Average total assets | $302,190,000 | 2,154 |
| Average earning assets | $257,055,600 | 2,301 |
| Average equity | $40,221,000 | 1,843 |
| Average total loans | $152,363,800 | 2,613 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 4,443 |
| Cost of funding earning assets | 0.3850% | 3,176 |
| Net interest margin | 3.2517% | 4,342 |
| Noninterest income to average assets | 0.6935% | 2,198 |
| Noninterest expense to average assets | 2.8410% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 6.1807% | 26 |
| Return on assets (ROA) | 6.1936% | 27 |
| Pretax return on assets | 0.6400% | 4,764 |
| Return on Equity (ROE) | 46.9061% | 11 |
| Retained earnings to average equity (ytd only) | 46.9061% | 3 |
| Net charge-offs to loans | 0.9018% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.3808% | 3,702 |
| Efficiency ratio | 81.9175% | 1,201 |
| Assets per employee ($millions) | 4.2145% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 1,076 |
| Loan loss allowance to noncurrent loans | 901.6722% | 641 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 884 |
| Noncurrent loans to loans | 0.1959% | 4,568 |
| Net loans and leases to total assets | 49.4093% | 4,865 |
| Net loans and leases to deposits | 59.2037% | 4,809 |
| Net loans and leases to core deposits | 61.6785% | 4,851 |
| Total domestic deposits to total assets | 83.4564% | 3,417 |
| Equity capital to assets | 14.3682% | 910 |
| Core capital (leverage) ratio | 11.8778% | 1,766 |
| Tier 1 risk-based capital ratio | 16.7144% | 2,329 |
| Total risk-based capital ratio | 17.9887% | 2,271 |
| Memoranda: | ||
| Average total assets | $299,141,000 | 2,179 |
| Average earning assets | $255,243,750 | 2,328 |
| Average equity | $39,499,250 | 1,877 |
| Average total loans | $150,662,500 | 2,633 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,459 |
| Cost of funding earning assets | 0.3727% | 3,330 |
| Net interest margin | 3.2742% | 4,312 |
| Noninterest income to average assets | 0.6167% | 2,531 |
| Noninterest expense to average assets | 2.8525% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 9.0854% | 18 |
| Return on assets (ROA) | 9.0881% | 19 |
| Pretax return on assets | 0.5764% | 4,956 |
| Return on Equity (ROE) | 70.9523% | 8 |
| Retained earnings to average equity (ytd only) | 70.9523% | 2 |
| Net charge-offs to loans | 1.2133% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.9385% | 3,470 |
| Efficiency ratio | 83.2549% | 1,118 |
| Assets per employee ($millions) | 4.3677% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 1,080 |
| Loan loss allowance to noncurrent loans | 240.9794% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 2.1256% | 742 |
| Noncurrent loans to loans | 0.7456% | 2,877 |
| Net loans and leases to total assets | 50.8702% | 4,777 |
| Net loans and leases to deposits | 60.8835% | 4,741 |
| Net loans and leases to core deposits | 63.3500% | 4,794 |
| Total domestic deposits to total assets | 83.5534% | 3,442 |
| Equity capital to assets | 14.3764% | 908 |
| Core capital (leverage) ratio | 11.7843% | 1,789 |
| Tier 1 risk-based capital ratio | 16.1594% | 2,566 |
| Total risk-based capital ratio | 17.4337% | 2,503 |
| Memoranda: | ||
| Average total assets | $297,707,670 | 2,199 |
| Average earning assets | $255,455,330 | 2,339 |
| Average equity | $38,132,670 | 1,933 |
| Average total loans | $150,008,670 | 2,647 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,087 |
| Cost of funding earning assets | 0.3617% | 3,487 |
| Net interest margin | 3.4012% | 3,862 |
| Noninterest income to average assets | 0.6070% | 2,491 |
| Noninterest expense to average assets | 2.9161% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 17.9399% | 10 |
| Return on assets (ROA) | 17.9507% | 10 |
| Pretax return on assets | 0.6381% | 4,707 |
| Return on Equity (ROE) | 149.4597% | 4 |
| Retained earnings to average equity (ytd only) | 149.4597% | 2 |
| Net charge-offs to loans | 2.2619% | 62 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.5584% | 2,919 |
| Efficiency ratio | 82.2968% | 1,348 |
| Assets per employee ($millions) | 4.2721% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 1,016 |
| Loan loss allowance to noncurrent loans | 95.9095% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.8805% | 452 |
| Noncurrent loans to loans | 1.9467% | 1,110 |
| Net loans and leases to total assets | 51.4242% | 4,687 |
| Net loans and leases to deposits | 61.7684% | 4,593 |
| Net loans and leases to core deposits | 64.0638% | 4,685 |
| Total domestic deposits to total assets | 83.2532% | 3,805 |
| Equity capital to assets | 14.5116% | 835 |
| Core capital (leverage) ratio | 11.7834% | 1,766 |
| Tier 1 risk-based capital ratio | 16.0534% | 2,660 |
| Total risk-based capital ratio | 17.3297% | 2,594 |
| Memoranda: | ||
| Average total assets | $295,877,000 | 2,208 |
| Average earning assets | $255,440,500 | 2,344 |
| Average equity | $35,536,000 | 2,058 |
| Average total loans | $146,957,000 | 2,694 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,344 |
| Cost of funding earning assets | 0.3575% | 3,619 |
| Net interest margin | 2.9462% | 5,258 |
| Noninterest income to average assets | 0.7101% | 2,155 |
| Noninterest expense to average assets | 3.2191% | 1,917 |
| Loan and lease loss provision to assets | -0.0152% | 5,648 |
| Net operating income to assets | 0.1007% | 5,752 |
| Return on assets (ROA) | 0.1010% | 5,793 |
| Pretax return on assets | 0.1010% | 5,798 |
| Return on Equity (ROE) | 0.9810% | 5,774 |
| Retained earnings to average equity (ytd only) | 0.9810% | 5,128 |
| Net charge-offs to loans | 0.3323% | 894 |
| Credit loss provision to net charge-offs | -9.4092% | 4,946 |
| Earnings coverage of net charge-offs (x) | 0.5274% | 4,213 |
| Efficiency ratio | 97.4144% | 354 |
| Assets per employee ($millions) | 4.1828% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6641% | 332 |
| Loan loss allowance to noncurrent loans | 94.6738% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 3.1706% | 403 |
| Noncurrent loans to loans | 2.8140% | 602 |
| Net loans and leases to total assets | 45.7034% | 5,178 |
| Net loans and leases to deposits | 52.3187% | 5,270 |
| Net loans and leases to core deposits | 54.3694% | 5,290 |
| Total domestic deposits to total assets | 87.3558% | 1,951 |
| Equity capital to assets | 9.5279% | 4,522 |
| Core capital (leverage) ratio | 10.4232% | 3,031 |
| Tier 1 risk-based capital ratio | 15.4541% | 2,952 |
| Total risk-based capital ratio | 16.7123% | 2,887 |
| Memoranda: | ||
| Average total assets | $282,063,600 | 2,252 |
| Average earning assets | $248,385,200 | 2,351 |
| Average equity | $29,053,400 | 2,391 |
| Average total loans | $137,529,600 | 2,757 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 5,404 |
| Cost of funding earning assets | 0.3514% | 3,741 |
| Net interest margin | 2.9495% | 5,305 |
| Noninterest income to average assets | 0.7157% | 2,166 |
| Noninterest expense to average assets | 3.2392% | 1,853 |
| Loan and lease loss provision to assets | -0.0144% | 5,830 |
| Net operating income to assets | 0.0881% | 5,866 |
| Return on assets (ROA) | 0.0886% | 5,903 |
| Pretax return on assets | 0.0886% | 5,903 |
| Return on Equity (ROE) | 0.8435% | 5,880 |
| Retained earnings to average equity (ytd only) | 0.8435% | 5,366 |
| Net charge-offs to loans | 0.4135% | 619 |
| Credit loss provision to net charge-offs | -7.0588% | 4,840 |
| Earnings coverage of net charge-offs (x) | 0.3624% | 3,959 |
| Efficiency ratio | 97.7733% | 363 |
| Assets per employee ($millions) | 3.9850% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7471% | 322 |
| Loan loss allowance to noncurrent loans | 98.3264% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 3.3444% | 403 |
| Noncurrent loans to loans | 2.7938% | 670 |
| Net loans and leases to total assets | 47.7196% | 5,103 |
| Net loans and leases to deposits | 54.4574% | 5,222 |
| Net loans and leases to core deposits | 56.4330% | 5,280 |
| Total domestic deposits to total assets | 87.6274% | 1,734 |
| Equity capital to assets | 10.4285% | 3,677 |
| Core capital (leverage) ratio | 10.7480% | 2,775 |
| Tier 1 risk-based capital ratio | 15.7978% | 2,900 |
| Total risk-based capital ratio | 17.0570% | 2,828 |
| Memoranda: | ||
| Average total assets | $278,334,000 | 2,300 |
| Average earning assets | $245,093,500 | 2,402 |
| Average equity | $29,242,750 | 2,388 |
| Average total loans | $137,050,500 | 2,781 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 5,583 |
| Cost of funding earning assets | 0.3468% | 3,849 |
| Net interest margin | 2.8764% | 5,486 |
| Noninterest income to average assets | 0.7241% | 2,116 |
| Noninterest expense to average assets | 3.2575% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0043% | 5,997 |
| Return on assets (ROA) | -0.0036% | 6,030 |
| Pretax return on assets | -0.0036% | 6,020 |
| Return on Equity (ROE) | -0.0341% | 6,030 |
| Retained earnings to average equity (ytd only) | -0.0341% | 5,512 |
| Net charge-offs to loans | 0.1502% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.0583% | 3,716 |
| Efficiency ratio | 100.1326% | 317 |
| Assets per employee ($millions) | 3.9183% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9317% | 290 |
| Loan loss allowance to noncurrent loans | 87.7133% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 3.7021% | 376 |
| Noncurrent loans to loans | 3.3424% | 543 |
| Net loans and leases to total assets | 48.9389% | 5,018 |
| Net loans and leases to deposits | 56.0401% | 5,114 |
| Net loans and leases to core deposits | 57.9298% | 5,200 |
| Total domestic deposits to total assets | 87.3284% | 1,998 |
| Equity capital to assets | 10.4671% | 3,478 |
| Core capital (leverage) ratio | 10.7331% | 2,696 |
| Tier 1 risk-based capital ratio | 16.0175% | 2,848 |
| Total risk-based capital ratio | 17.2797% | 2,800 |
| Memoranda: | ||
| Average total assets | $278,129,330 | 2,319 |
| Average earning assets | $244,541,330 | 2,425 |
| Average equity | $29,293,670 | 2,398 |
| Average total loans | $137,109,670 | 2,790 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 5,700 |
| Cost of funding earning assets | 0.3483% | 3,876 |
| Net interest margin | 2.8190% | 5,604 |
| Noninterest income to average assets | 0.7408% | 1,960 |
| Noninterest expense to average assets | 3.3082% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0992% | 6,104 |
| Return on assets (ROA) | -0.0978% | 6,126 |
| Pretax return on assets | -0.0978% | 6,116 |
| Return on Equity (ROE) | -0.9258% | 6,122 |
| Retained earnings to average equity (ytd only) | -0.9258% | 5,545 |
| Net charge-offs to loans | 0.5637% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.3613% | 3,139 |
| Efficiency ratio | 103.0928% | 284 |
| Assets per employee ($millions) | 3.6164% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8978% | 327 |
| Loan loss allowance to noncurrent loans | 88.8300% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 4.2023% | 346 |
| Noncurrent loans to loans | 3.2621% | 627 |
| Net loans and leases to total assets | 49.0606% | 4,933 |
| Net loans and leases to deposits | 56.2453% | 5,032 |
| Net loans and leases to core deposits | 58.6050% | 5,083 |
| Total domestic deposits to total assets | 87.2260% | 2,253 |
| Equity capital to assets | 10.7092% | 3,312 |
| Core capital (leverage) ratio | 10.7466% | 2,694 |
| Tier 1 risk-based capital ratio | 16.1649% | 2,835 |
| Total risk-based capital ratio | 17.4266% | 2,775 |
| Memoranda: | ||
| Average total assets | $278,096,000 | 2,326 |
| Average earning assets | $243,490,000 | 2,442 |
| Average equity | $29,381,000 | 2,400 |
| Average total loans | $135,535,500 | 2,819 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,481 |
| Cost of funding earning assets | 0.3484% | 4,270 |
| Net interest margin | 3.0748% | 5,265 |
| Noninterest income to average assets | 0.6680% | 2,462 |
| Noninterest expense to average assets | 3.3050% | 1,915 |
| Loan and lease loss provision to assets | -0.0310% | 5,972 |
| Net operating income to assets | 0.0730% | 5,987 |
| Return on assets (ROA) | 0.1467% | 5,926 |
| Pretax return on assets | 0.1467% | 5,941 |
| Return on Equity (ROE) | 1.3809% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.3809% | 5,155 |
| Net charge-offs to loans | 1.2528% | 210 |
| Credit loss provision to net charge-offs | -4.8935% | 5,301 |
| Earnings coverage of net charge-offs (x) | 0.0662% | 4,701 |
| Efficiency ratio | 98.7465% | 397 |
| Assets per employee ($millions) | 3.6070% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1882% | 243 |
| Loan loss allowance to noncurrent loans | 91.3128% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 4.4963% | 344 |
| Noncurrent loans to loans | 3.4915% | 586 |
| Net loans and leases to total assets | 45.4924% | 5,368 |
| Net loans and leases to deposits | 52.8053% | 5,422 |
| Net loans and leases to core deposits | 54.7354% | 5,459 |
| Total domestic deposits to total assets | 86.1511% | 2,751 |
| Equity capital to assets | 10.4242% | 3,585 |
| Core capital (leverage) ratio | 10.7845% | 2,630 |
| Tier 1 risk-based capital ratio | 17.1053% | 2,473 |
| Total risk-based capital ratio | 18.3702% | 2,427 |
| Memoranda: | ||
| Average total assets | $274,099,400 | 2,326 |
| Average earning assets | $238,809,200 | 2,437 |
| Average equity | $29,111,600 | 2,336 |
| Average total loans | $138,650,000 | 2,730 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 5,433 |
| Cost of funding earning assets | 0.3476% | 4,362 |
| Net interest margin | 3.1362% | 5,159 |
| Noninterest income to average assets | 0.6743% | 2,456 |
| Noninterest expense to average assets | 3.2989% | 1,899 |
| Loan and lease loss provision to assets | -0.0416% | 6,159 |
| Net operating income to assets | 0.1469% | 5,953 |
| Return on assets (ROA) | 0.1400% | 5,993 |
| Pretax return on assets | 0.1400% | 6,019 |
| Return on Equity (ROE) | 1.3123% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.3123% | 5,371 |
| Net charge-offs to loans | 1.6245% | 138 |
| Credit loss provision to net charge-offs | -4.9737% | 5,220 |
| Earnings coverage of net charge-offs (x) | 0.1258% | 4,429 |
| Efficiency ratio | 96.9074% | 470 |
| Assets per employee ($millions) | 3.4979% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1520% | 308 |
| Loan loss allowance to noncurrent loans | 90.8176% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 4.7943% | 370 |
| Noncurrent loans to loans | 3.4707% | 698 |
| Net loans and leases to total assets | 48.4033% | 5,165 |
| Net loans and leases to deposits | 55.4646% | 5,278 |
| Net loans and leases to core deposits | 57.4213% | 5,371 |
| Total domestic deposits to total assets | 87.2689% | 2,171 |
| Equity capital to assets | 10.9014% | 3,067 |
| Core capital (leverage) ratio | 10.9367% | 2,550 |
| Tier 1 risk-based capital ratio | 16.7213% | 2,718 |
| Total risk-based capital ratio | 17.9854% | 2,664 |
| Memoranda: | ||
| Average total assets | $272,288,250 | 2,359 |
| Average earning assets | $237,014,750 | 2,473 |
| Average equity | $29,057,500 | 2,347 |
| Average total loans | $140,261,250 | 2,727 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 5,449 |
| Cost of funding earning assets | 0.3422% | 4,516 |
| Net interest margin | 3.1391% | 5,126 |
| Noninterest income to average assets | 0.6506% | 2,541 |
| Noninterest expense to average assets | 3.2839% | 1,959 |
| Loan and lease loss provision to assets | -0.0622% | 6,319 |
| Net operating income to assets | 0.1617% | 5,925 |
| Return on assets (ROA) | 0.1515% | 5,983 |
| Pretax return on assets | 0.1515% | 6,025 |
| Return on Equity (ROE) | 1.4298% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.4298% | 5,169 |
| Net charge-offs to loans | 1.7560% | 138 |
| Credit loss provision to net charge-offs | -6.8109% | 5,068 |
| Earnings coverage of net charge-offs (x) | 0.1090% | 4,113 |
| Efficiency ratio | 97.0582% | 506 |
| Assets per employee ($millions) | 3.4362% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4336% | 253 |
| Loan loss allowance to noncurrent loans | 91.4997% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 5.0431% | 354 |
| Noncurrent loans to loans | 3.7526% | 662 |
| Net loans and leases to total assets | 48.7346% | 5,113 |
| Net loans and leases to deposits | 55.9236% | 5,194 |
| Net loans and leases to core deposits | 57.5642% | 5,301 |
| Total domestic deposits to total assets | 87.1450% | 2,378 |
| Equity capital to assets | 10.8474% | 3,029 |
| Core capital (leverage) ratio | 10.9458% | 2,472 |
| Tier 1 risk-based capital ratio | 16.8947% | 2,667 |
| Total risk-based capital ratio | 18.1627% | 2,624 |
| Memoranda: | ||
| Average total assets | $273,270,670 | 2,351 |
| Average earning assets | $237,899,330 | 2,469 |
| Average equity | $28,956,000 | 2,344 |
| Average total loans | $142,144,000 | 2,698 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,454 |
| Cost of funding earning assets | 0.3399% | 4,644 |
| Net interest margin | 3.1494% | 5,092 |
| Noninterest income to average assets | 0.6871% | 2,241 |
| Noninterest expense to average assets | 3.2723% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1590% | 5,911 |
| Return on assets (ROA) | 0.1386% | 5,985 |
| Pretax return on assets | 0.1386% | 6,025 |
| Return on Equity (ROE) | 1.3235% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.3235% | 5,088 |
| Net charge-offs to loans | 1.9901% | 133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1514% | 3,408 |
| Efficiency ratio | 95.3656% | 680 |
| Assets per employee ($millions) | 3.3679% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7314% | 226 |
| Loan loss allowance to noncurrent loans | 95.6811% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 5.2796% | 373 |
| Noncurrent loans to loans | 3.8998% | 699 |
| Net loans and leases to total assets | 50.9128% | 4,807 |
| Net loans and leases to deposits | 58.4887% | 4,893 |
| Net loans and leases to core deposits | 60.3130% | 5,009 |
| Total domestic deposits to total assets | 87.0473% | 2,778 |
| Equity capital to assets | 10.7150% | 3,022 |
| Core capital (leverage) ratio | 10.8088% | 2,586 |
| Tier 1 risk-based capital ratio | 16.6406% | 2,836 |
| Total risk-based capital ratio | 17.9125% | 2,795 |
| Memoranda: | ||
| Average total assets | $274,177,000 | 2,346 |
| Average earning assets | $238,905,000 | 2,457 |
| Average equity | $28,711,000 | 2,349 |
| Average total loans | $144,717,000 | 2,667 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 5,583 |
| Cost of funding earning assets | 0.5165% | 3,436 |
| Net interest margin | 3.0113% | 5,554 |
| Noninterest income to average assets | 0.7295% | 2,383 |
| Noninterest expense to average assets | 3.0437% | 2,919 |
| Loan and lease loss provision to assets | 0.1042% | 3,058 |
| Net operating income to assets | 0.1628% | 5,913 |
| Return on assets (ROA) | 0.1676% | 5,965 |
| Pretax return on assets | 0.1708% | 5,987 |
| Return on Equity (ROE) | 1.6934% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.6934% | 5,025 |
| Net charge-offs to loans | 1.0900% | 516 |
| Credit loss provision to net charge-offs | 17.2574% | 4,492 |
| Earnings coverage of net charge-offs (x) | 0.4474% | 4,929 |
| Efficiency ratio | 91.8510% | 885 |
| Assets per employee ($millions) | 3.6223% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1085% | 188 |
| Loan loss allowance to noncurrent loans | 106.1357% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 6.1129% | 311 |
| Noncurrent loans to loans | 3.8710% | 767 |
| Net loans and leases to total assets | 50.5175% | 5,030 |
| Net loans and leases to deposits | 58.5350% | 5,073 |
| Net loans and leases to core deposits | 60.3114% | 5,200 |
| Total domestic deposits to total assets | 86.3032% | 3,113 |
| Equity capital to assets | 10.2367% | 3,461 |
| Core capital (leverage) ratio | 10.4238% | 2,994 |
| Tier 1 risk-based capital ratio | 15.8543% | 3,172 |
| Total risk-based capital ratio | 17.1295% | 3,116 |
| Memoranda: | ||
| Average total assets | $285,142,200 | 2,231 |
| Average earning assets | $244,713,800 | 2,379 |
| Average equity | $28,226,600 | 2,364 |
| Average total loans | $157,883,200 | 2,455 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 5,605 |
| Cost of funding earning assets | 0.5373% | 3,390 |
| Net interest margin | 2.9994% | 5,599 |
| Noninterest income to average assets | 0.8404% | 1,975 |
| Noninterest expense to average assets | 3.0024% | 2,987 |
| Loan and lease loss provision to assets | 0.2744% | 1,276 |
| Net operating income to assets | 0.1276% | 6,082 |
| Return on assets (ROA) | 0.1339% | 6,138 |
| Pretax return on assets | 0.1377% | 6,159 |
| Return on Equity (ROE) | 1.3643% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.3643% | 5,437 |
| Net charge-offs to loans | 1.3896% | 367 |
| Credit loss provision to net charge-offs | 35.2449% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.5209% | 4,689 |
| Efficiency ratio | 88.1004% | 1,166 |
| Assets per employee ($millions) | 3.8626% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3314% | 186 |
| Loan loss allowance to noncurrent loans | 119.7784% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 6.7202% | 315 |
| Noncurrent loans to loans | 3.6162% | 1,033 |
| Net loans and leases to total assets | 49.9514% | 5,142 |
| Net loans and leases to deposits | 56.9741% | 5,282 |
| Net loans and leases to core deposits | 62.2388% | 5,092 |
| Total domestic deposits to total assets | 87.6740% | 2,311 |
| Equity capital to assets | 10.2393% | 3,591 |
| Core capital (leverage) ratio | 10.3468% | 3,171 |
| Tier 1 risk-based capital ratio | 15.6726% | 3,366 |
| Total risk-based capital ratio | 16.9497% | 3,308 |
| Memoranda: | ||
| Average total assets | $286,698,000 | 2,238 |
| Average earning assets | $245,423,750 | 2,388 |
| Average equity | $28,145,250 | 2,398 |
| Average total loans | $160,619,000 | 2,428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 5,594 |
| Cost of funding earning assets | 0.5533% | 3,377 |
| Net interest margin | 2.9919% | 5,579 |
| Noninterest income to average assets | 0.8547% | 1,984 |
| Noninterest expense to average assets | 2.9951% | 3,015 |
| Loan and lease loss provision to assets | 0.3400% | 994 |
| Net operating income to assets | 0.0784% | 6,181 |
| Return on assets (ROA) | 0.0784% | 6,265 |
| Pretax return on assets | 0.0784% | 6,266 |
| Return on Equity (ROE) | 0.8099% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.8099% | 5,571 |
| Net charge-offs to loans | 1.8609% | 249 |
| Credit loss provision to net charge-offs | 31.9010% | 3,553 |
| Earnings coverage of net charge-offs (x) | 0.3926% | 4,406 |
| Efficiency ratio | 87.7439% | 1,246 |
| Assets per employee ($millions) | 3.8990% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0489% | 246 |
| Loan loss allowance to noncurrent loans | 100.8331% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 7.1988% | 324 |
| Noncurrent loans to loans | 4.0154% | 965 |
| Net loans and leases to total assets | 54.1537% | 4,569 |
| Net loans and leases to deposits | 61.5205% | 4,798 |
| Net loans and leases to core deposits | 68.1957% | 4,475 |
| Total domestic deposits to total assets | 88.0254% | 2,230 |
| Equity capital to assets | 10.2879% | 3,558 |
| Core capital (leverage) ratio | 10.1537% | 3,290 |
| Tier 1 risk-based capital ratio | 14.9529% | 3,809 |
| Total risk-based capital ratio | 16.2285% | 3,758 |
| Memoranda: | ||
| Average total assets | $288,273,330 | 2,236 |
| Average earning assets | $246,530,670 | 2,384 |
| Average equity | $27,903,000 | 2,428 |
| Average total loans | $165,083,330 | 2,363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,715 |
| Cost of funding earning assets | 0.5742% | 3,338 |
| Net interest margin | 2.9207% | 5,771 |
| Noninterest income to average assets | 0.8190% | 2,055 |
| Noninterest expense to average assets | 2.9091% | 3,312 |
| Loan and lease loss provision to assets | 0.3287% | 1,022 |
| Net operating income to assets | 0.0685% | 6,209 |
| Return on assets (ROA) | 0.0685% | 6,295 |
| Pretax return on assets | 0.0685% | 6,306 |
| Return on Equity (ROE) | 0.7296% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.7296% | 5,537 |
| Net charge-offs to loans | 3.6650% | 79 |
| Credit loss provision to net charge-offs | 15.5541% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.1879% | 3,755 |
| Efficiency ratio | 87.9867% | 1,330 |
| Assets per employee ($millions) | 4.0704% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7237% | 348 |
| Loan loss allowance to noncurrent loans | 64.1191% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 8.3934% | 288 |
| Noncurrent loans to loans | 5.8075% | 587 |
| Net loans and leases to total assets | 55.8789% | 4,103 |
| Net loans and leases to deposits | 63.2401% | 4,389 |
| Net loans and leases to core deposits | 70.1226% | 4,067 |
| Total domestic deposits to total assets | 88.3598% | 2,095 |
| Equity capital to assets | 10.1468% | 3,962 |
| Core capital (leverage) ratio | 9.9371% | 3,480 |
| Tier 1 risk-based capital ratio | 14.2260% | 4,342 |
| Total risk-based capital ratio | 15.4955% | 4,298 |
| Memoranda: | ||
| Average total assets | $292,046,500 | 2,243 |
| Average earning assets | $248,710,000 | 2,389 |
| Average equity | $27,414,000 | 2,490 |
| Average total loans | $168,405,500 | 2,340 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 5,766 |
| Cost of funding earning assets | 0.6998% | 3,495 |
| Net interest margin | 3.1232% | 5,756 |
| Noninterest income to average assets | 0.4471% | 4,264 |
| Noninterest expense to average assets | 3.4849% | 1,850 |
| Loan and lease loss provision to assets | 4.6888% | 12 |
| Net operating income to assets | -4.9510% | 7,056 |
| Return on assets (ROA) | -4.8206% | 7,055 |
| Pretax return on assets | -4.8206% | 7,056 |
| Return on Equity (ROE) | -60.4058% | 7,037 |
| Retained earnings to average equity (ytd only) | -60.4058% | 7,035 |
| Net charge-offs to loans | 8.3449% | 6 |
| Credit loss provision to net charge-offs | 84.5041% | 3,677 |
| Earnings coverage of net charge-offs (x) | -0.0473% | 5,510 |
| Efficiency ratio | 108.1366% | 363 |
| Assets per employee ($millions) | 4.3357% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3520% | 218 |
| Loan loss allowance to noncurrent loans | 108.0365% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 7.7071% | 384 |
| Noncurrent loans to loans | 4.0283% | 1,161 |
| Net loans and leases to total assets | 54.8117% | 4,487 |
| Net loans and leases to deposits | 61.3924% | 4,854 |
| Net loans and leases to core deposits | 69.0562% | 4,430 |
| Total domestic deposits to total assets | 89.2809% | 1,385 |
| Equity capital to assets | 8.6631% | 5,891 |
| Core capital (leverage) ratio | 8.7985% | 5,183 |
| Tier 1 risk-based capital ratio | 12.0954% | 5,724 |
| Total risk-based capital ratio | 13.3757% | 5,666 |
| Memoranda: | ||
| Average total assets | $308,905,400 | 2,084 |
| Average earning assets | $274,521,800 | 2,134 |
| Average equity | $24,651,600 | 2,695 |
| Average total loans | $205,395,600 | 1,963 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 5,880 |
| Cost of funding earning assets | 0.7288% | 3,530 |
| Net interest margin | 3.1334% | 5,858 |
| Noninterest income to average assets | 0.9481% | 1,673 |
| Noninterest expense to average assets | 3.2200% | 2,499 |
| Loan and lease loss provision to assets | 5.5282% | 8 |
| Net operating income to assets | -4.9792% | 7,161 |
| Return on assets (ROA) | -4.8066% | 7,159 |
| Pretax return on assets | -4.8066% | 7,160 |
| Return on Equity (ROE) | -61.4950% | 7,139 |
| Retained earnings to average equity (ytd only) | -61.4950% | 7,135 |
| Net charge-offs to loans | 10.7195% | 6 |
| Credit loss provision to net charge-offs | 75.0698% | 3,766 |
| Earnings coverage of net charge-offs (x) | 0.0746% | 5,298 |
| Efficiency ratio | 85.4335% | 1,438 |
| Assets per employee ($millions) | 4.4207% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1492% | 628 |
| Loan loss allowance to noncurrent loans | 46.0142% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 8.7227% | 323 |
| Noncurrent loans to loans | 6.8439% | 540 |
| Net loans and leases to total assets | 61.4527% | 3,485 |
| Net loans and leases to deposits | 69.5420% | 3,961 |
| Net loans and leases to core deposits | 79.7139% | 3,239 |
| Total domestic deposits to total assets | 88.3677% | 1,799 |
| Equity capital to assets | 10.1139% | 4,332 |
| Core capital (leverage) ratio | 9.8106% | 3,803 |
| Tier 1 risk-based capital ratio | 13.4909% | 4,883 |
| Total risk-based capital ratio | 14.7584% | 4,830 |
| Memoranda: | ||
| Average total assets | $311,340,250 | 2,090 |
| Average earning assets | $280,288,500 | 2,121 |
| Average equity | $24,335,250 | 2,750 |
| Average total loans | $213,884,750 | 1,917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 5,979 |
| Cost of funding earning assets | 0.7518% | 3,594 |
| Net interest margin | 3.1215% | 5,944 |
| Noninterest income to average assets | 0.7859% | 2,260 |
| Noninterest expense to average assets | 3.7387% | 1,314 |
| Loan and lease loss provision to assets | 6.6003% | 6 |
| Net operating income to assets | -6.7186% | 7,229 |
| Return on assets (ROA) | -6.7186% | 7,230 |
| Pretax return on assets | -6.7186% | 7,231 |
| Return on Equity (ROE) | -94.4510% | 7,206 |
| Retained earnings to average equity (ytd only) | -94.4510% | 7,202 |
| Net charge-offs to loans | 10.8265% | 5 |
| Credit loss provision to net charge-offs | 86.7157% | 3,137 |
| Earnings coverage of net charge-offs (x) | -0.0155% | 5,092 |
| Efficiency ratio | 103.2673% | 452 |
| Assets per employee ($millions) | 4.5374% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1566% | 312 |
| Loan loss allowance to noncurrent loans | 48.2755% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 6.9075% | 574 |
| Noncurrent loans to loans | 8.6102% | 376 |
| Net loans and leases to total assets | 64.5471% | 2,921 |
| Net loans and leases to deposits | 72.8267% | 3,482 |
| Net loans and leases to core deposits | 88.8117% | 2,121 |
| Total domestic deposits to total assets | 88.6310% | 1,745 |
| Equity capital to assets | 10.0509% | 4,257 |
| Core capital (leverage) ratio | 10.0773% | 3,307 |
| Tier 1 risk-based capital ratio | 13.5883% | 4,756 |
| Total risk-based capital ratio | 14.8706% | 4,696 |
| Memoranda: | ||
| Average total assets | $317,865,000 | 2,037 |
| Average earning assets | $288,646,330 | 2,068 |
| Average equity | $22,610,670 | 2,902 |
| Average total loans | $223,470,330 | 1,816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 5,943 |
| Cost of funding earning assets | 0.7994% | 3,479 |
| Net interest margin | 3.1324% | 5,950 |
| Noninterest income to average assets | 0.7636% | 2,329 |
| Noninterest expense to average assets | 2.9717% | 3,376 |
| Loan and lease loss provision to assets | 5.6528% | 17 |
| Net operating income to assets | -5.0185% | 7,272 |
| Return on assets (ROA) | -5.0185% | 7,273 |
| Pretax return on assets | -5.0185% | 7,272 |
| Return on Equity (ROE) | -87.4534% | 7,262 |
| Retained earnings to average equity (ytd only) | -87.4534% | 7,258 |
| Net charge-offs to loans | 3.1644% | 221 |
| Credit loss provision to net charge-offs | 249.1857% | 1,154 |
| Earnings coverage of net charge-offs (x) | 0.2796% | 4,221 |
| Efficiency ratio | 82.4112% | 1,883 |
| Assets per employee ($millions) | 4.6834% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7583% | 95 |
| Loan loss allowance to noncurrent loans | 46.6529% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 10.3443% | 276 |
| Noncurrent loans to loans | 12.3429% | 187 |
| Net loans and leases to total assets | 69.1643% | 1,917 |
| Net loans and leases to deposits | 74.8021% | 2,997 |
| Net loans and leases to core deposits | 92.5181% | 1,594 |
| Total domestic deposits to total assets | 92.4630% | 193 |
| Equity capital to assets | 5.4579% | 7,112 |
| Core capital (leverage) ratio | 4.9403% | 7,123 |
| Tier 1 risk-based capital ratio | 6.9273% | 7,139 |
| Total risk-based capital ratio | 8.2324% | 7,137 |
| Memoranda: | ||
| Average total assets | $324,796,000 | 2,000 |
| Average earning assets | $294,723,500 | 2,018 |
| Average equity | $18,638,500 | 3,400 |
| Average total loans | $232,838,000 | 1,773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 5,028 |
| Cost of funding earning assets | 1.1825% | 2,147 |
| Net interest margin | 3.3287% | 5,726 |
| Noninterest income to average assets | 0.6384% | 2,957 |
| Noninterest expense to average assets | 2.9315% | 3,840 |
| Loan and lease loss provision to assets | 2.1143% | 257 |
| Net operating income to assets | -1.5530% | 6,917 |
| Return on assets (ROA) | -1.4630% | 6,920 |
| Pretax return on assets | -1.4533% | 6,888 |
| Return on Equity (ROE) | -22.1679% | 7,011 |
| Retained earnings to average equity (ytd only) | -22.1679% | 6,997 |
| Net charge-offs to loans | 4.3866% | 113 |
| Credit loss provision to net charge-offs | 65.5090% | 5,007 |
| Earnings coverage of net charge-offs (x) | 0.1769% | 5,702 |
| Efficiency ratio | 83.6990% | 1,802 |
| Assets per employee ($millions) | 5.3933% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1761% | 331 |
| Loan loss allowance to noncurrent loans | 42.4122% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 8.0424% | 506 |
| Noncurrent loans to loans | 9.8464% | 332 |
| Net loans and leases to total assets | 67.2546% | 2,526 |
| Net loans and leases to deposits | 74.1850% | 3,467 |
| Net loans and leases to core deposits | 87.2230% | 2,471 |
| Total domestic deposits to total assets | 90.6580% | 643 |
| Equity capital to assets | 5.9860% | 7,096 |
| Core capital (leverage) ratio | 5.8667% | 7,067 |
| Tier 1 risk-based capital ratio | 7.9351% | 7,111 |
| Total risk-based capital ratio | 9.2190% | 7,111 |
| Memoranda: | ||
| Average total assets | $363,093,200 | 1,789 |
| Average earning assets | $312,401,600 | 1,887 |
| Average equity | $23,962,600 | 2,673 |
| Average total loans | $267,153,000 | 1,578 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 4,662 |
| Cost of funding earning assets | 1.2591% | 1,942 |
| Net interest margin | 3.3946% | 5,597 |
| Noninterest income to average assets | 0.5539% | 3,487 |
| Noninterest expense to average assets | 2.7676% | 4,473 |
| Loan and lease loss provision to assets | 1.4564% | 482 |
| Net operating income to assets | -0.7882% | 6,789 |
| Return on assets (ROA) | -0.6696% | 6,776 |
| Pretax return on assets | -0.6696% | 6,721 |
| Return on Equity (ROE) | -9.9294% | 6,889 |
| Retained earnings to average equity (ytd only) | -9.9294% | 6,853 |
| Net charge-offs to loans | 4.8655% | 101 |
| Credit loss provision to net charge-offs | 40.2466% | 5,234 |
| Earnings coverage of net charge-offs (x) | 0.1846% | 5,459 |
| Efficiency ratio | 80.5532% | 2,177 |
| Assets per employee ($millions) | 4.9734% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2304% | 703 |
| Loan loss allowance to noncurrent loans | 33.3904% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 8.3672% | 511 |
| Noncurrent loans to loans | 9.6748% | 370 |
| Net loans and leases to total assets | 70.5402% | 1,972 |
| Net loans and leases to deposits | 77.9084% | 3,015 |
| Net loans and leases to core deposits | 95.2572% | 1,673 |
| Total domestic deposits to total assets | 90.5425% | 611 |
| Equity capital to assets | 6.8792% | 7,071 |
| Core capital (leverage) ratio | 6.6970% | 7,035 |
| Tier 1 risk-based capital ratio | 8.7897% | 7,135 |
| Total risk-based capital ratio | 10.0619% | 7,136 |
| Memoranda: | ||
| Average total assets | $367,573,500 | 1,770 |
| Average earning assets | $312,057,000 | 1,892 |
| Average equity | $24,787,750 | 2,603 |
| Average total loans | $273,376,000 | 1,563 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6504% | 4,756 |
| Cost of funding earning assets | 1.2901% | 2,004 |
| Net interest margin | 3.3603% | 5,683 |
| Noninterest income to average assets | 0.5170% | 3,732 |
| Noninterest expense to average assets | 3.1226% | 3,169 |
| Loan and lease loss provision to assets | 0.8635% | 1,044 |
| Net operating income to assets | -0.5764% | 6,746 |
| Return on assets (ROA) | -0.5138% | 6,730 |
| Pretax return on assets | -0.5138% | 6,668 |
| Return on Equity (ROE) | -7.6674% | 6,850 |
| Retained earnings to average equity (ytd only) | -7.6674% | 6,752 |
| Net charge-offs to loans | 6.2806% | 74 |
| Credit loss provision to net charge-offs | 18.3732% | 5,153 |
| Earnings coverage of net charge-offs (x) | 0.0611% | 5,246 |
| Efficiency ratio | 91.5791% | 1,123 |
| Assets per employee ($millions) | 4.6578% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6291% | 1,273 |
| Loan loss allowance to noncurrent loans | 40.8588% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 5.8956% | 956 |
| Noncurrent loans to loans | 6.4346% | 872 |
| Net loans and leases to total assets | 73.0694% | 1,581 |
| Net loans and leases to deposits | 80.7276% | 2,658 |
| Net loans and leases to core deposits | 99.7428% | 1,365 |
| Total domestic deposits to total assets | 90.5136% | 712 |
| Equity capital to assets | 7.0055% | 7,099 |
| Core capital (leverage) ratio | 6.7706% | 7,064 |
| Tier 1 risk-based capital ratio | 8.7380% | 7,197 |
| Total risk-based capital ratio | 10.0034% | 7,200 |
| Memoranda: | ||
| Average total assets | $374,053,000 | 1,748 |
| Average earning assets | $321,995,670 | 1,851 |
| Average equity | $25,067,330 | 2,553 |
| Average total loans | $279,910,330 | 1,550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 5,096 |
| Cost of funding earning assets | 1.3520% | 1,876 |
| Net interest margin | 3.2148% | 6,027 |
| Noninterest income to average assets | 0.5082% | 3,818 |
| Noninterest expense to average assets | 2.9681% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3260% | 5,287 |
| Return on assets (ROA) | 0.3260% | 5,364 |
| Pretax return on assets | 0.3260% | 5,578 |
| Return on Equity (ROE) | 4.9680% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.9680% | 3,217 |
| Net charge-offs to loans | 6.3154% | 100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0691% | 4,541 |
| Efficiency ratio | 90.1043% | 1,324 |
| Assets per employee ($millions) | 4.9579% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4659% | 624 |
| Loan loss allowance to noncurrent loans | 46.3327% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 7.5438% | 665 |
| Noncurrent loans to loans | 7.4804% | 697 |
| Net loans and leases to total assets | 73.0856% | 1,497 |
| Net loans and leases to deposits | 83.2021% | 2,158 |
| Net loans and leases to core deposits | 102.8839% | 1,139 |
| Total domestic deposits to total assets | 87.8410% | 2,465 |
| Equity capital to assets | 6.9099% | 7,111 |
| Core capital (leverage) ratio | 6.8998% | 7,048 |
| Tier 1 risk-based capital ratio | 8.6482% | 7,249 |
| Total risk-based capital ratio | 9.9227% | 7,254 |
| Memoranda: | ||
| Average total assets | $384,083,500 | 1,714 |
| Average earning assets | $332,837,000 | 1,801 |
| Average equity | $25,201,500 | 2,521 |
| Average total loans | $287,043,500 | 1,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 4,863 |
| Cost of funding earning assets | 1.6144% | 1,985 |
| Net interest margin | 3.3194% | 5,915 |
| Noninterest income to average assets | 0.4849% | 4,287 |
| Noninterest expense to average assets | 2.4366% | 5,989 |
| Loan and lease loss provision to assets | 3.0413% | 307 |
| Net operating income to assets | -2.7988% | 7,246 |
| Return on assets (ROA) | -2.5335% | 7,203 |
| Pretax return on assets | -1.7713% | 6,944 |
| Return on Equity (ROE) | -30.9450% | 7,245 |
| Retained earnings to average equity (ytd only) | -30.9450% | 7,233 |
| Net charge-offs to loans | 2.1382% | 918 |
| Credit loss provision to net charge-offs | 182.0091% | 1,816 |
| Earnings coverage of net charge-offs (x) | 0.6013% | 5,501 |
| Efficiency ratio | 70.8051% | 4,016 |
| Assets per employee ($millions) | 5.2801% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7782% | 223 |
| Loan loss allowance to noncurrent loans | 104.7961% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 4.3353% | 1,540 |
| Noncurrent loans to loans | 4.5596% | 1,544 |
| Net loans and leases to total assets | 70.3149% | 2,462 |
| Net loans and leases to deposits | 81.2237% | 2,948 |
| Net loans and leases to core deposits | 101.7365% | 1,475 |
| Total domestic deposits to total assets | 86.5694% | 3,049 |
| Equity capital to assets | 6.2429% | 7,306 |
| Core capital (leverage) ratio | 6.3933% | 7,216 |
| Tier 1 risk-based capital ratio | 8.3618% | 7,319 |
| Total risk-based capital ratio | 9.6538% | 7,322 |
| Memoranda: | ||
| Average total assets | $407,493,000 | 1,619 |
| Average earning assets | $362,932,400 | 1,655 |
| Average equity | $33,362,400 | 1,982 |
| Average total loans | $318,450,200 | 1,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 5,138 |
| Cost of funding earning assets | 1.6506% | 2,101 |
| Net interest margin | 3.2785% | 6,087 |
| Noninterest income to average assets | 0.4902% | 4,265 |
| Noninterest expense to average assets | 2.3971% | 6,046 |
| Loan and lease loss provision to assets | 1.1712% | 1,227 |
| Net operating income to assets | -0.0931% | 6,176 |
| Return on assets (ROA) | 0.1398% | 5,825 |
| Pretax return on assets | 0.1574% | 5,818 |
| Return on Equity (ROE) | 1.6140% | 5,729 |
| Retained earnings to average equity (ytd only) | 1.6140% | 5,145 |
| Net charge-offs to loans | 1.8050% | 1,072 |
| Credit loss provision to net charge-offs | 81.9197% | 5,076 |
| Earnings coverage of net charge-offs (x) | 0.7462% | 5,317 |
| Efficiency ratio | 69.2011% | 4,221 |
| Assets per employee ($millions) | 5.1903% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5315% | 1,287 |
| Loan loss allowance to noncurrent loans | 71.4601% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 3.3993% | 2,092 |
| Noncurrent loans to loans | 3.5425% | 2,216 |
| Net loans and leases to total assets | 75.9574% | 1,413 |
| Net loans and leases to deposits | 89.6860% | 1,761 |
| Net loans and leases to core deposits | 113.5120% | 862 |
| Total domestic deposits to total assets | 84.6926% | 3,775 |
| Equity capital to assets | 9.0538% | 5,500 |
| Core capital (leverage) ratio | 8.4555% | 5,590 |
| Tier 1 risk-based capital ratio | 10.4640% | 6,800 |
| Total risk-based capital ratio | 11.7288% | 6,780 |
| Memoranda: | ||
| Average total assets | $409,045,000 | 1,645 |
| Average earning assets | $371,010,250 | 1,651 |
| Average equity | $35,440,000 | 1,888 |
| Average total loans | $323,982,250 | 1,400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 5,353 |
| Cost of funding earning assets | 1.6972% | 2,129 |
| Net interest margin | 3.2111% | 6,282 |
| Noninterest income to average assets | 0.4726% | 4,337 |
| Noninterest expense to average assets | 2.2160% | 6,611 |
| Loan and lease loss provision to assets | 1.6265% | 797 |
| Net operating income to assets | -0.2315% | 6,393 |
| Return on assets (ROA) | -0.2315% | 6,435 |
| Pretax return on assets | -0.4334% | 6,539 |
| Return on Equity (ROE) | -2.7101% | 6,487 |
| Retained earnings to average equity (ytd only) | -2.7101% | 6,252 |
| Net charge-offs to loans | 0.5493% | 2,883 |
| Credit loss provision to net charge-offs | 371.9337% | 982 |
| Earnings coverage of net charge-offs (x) | 2.7282% | 3,628 |
| Efficiency ratio | 65.0035% | 5,151 |
| Assets per employee ($millions) | 5.2958% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4355% | 581 |
| Loan loss allowance to noncurrent loans | 157.7698% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 2.4475% | 2,941 |
| Noncurrent loans to loans | 2.1775% | 3,502 |
| Net loans and leases to total assets | 78.0990% | 1,101 |
| Net loans and leases to deposits | 92.1473% | 1,509 |
| Net loans and leases to core deposits | 117.7341% | 775 |
| Total domestic deposits to total assets | 84.7546% | 3,748 |
| Equity capital to assets | 8.8097% | 5,736 |
| Core capital (leverage) ratio | 7.6946% | 6,614 |
| Tier 1 risk-based capital ratio | 9.6259% | 7,209 |
| Total risk-based capital ratio | 10.9018% | 7,195 |
| Memoranda: | ||
| Average total assets | $413,905,670 | 1,642 |
| Average earning assets | $378,495,670 | 1,632 |
| Average equity | $35,348,670 | 1,888 |
| Average total loans | $329,507,670 | 1,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 5,859 |
| Cost of funding earning assets | 1.7395% | 2,185 |
| Net interest margin | 3.0708% | 6,666 |
| Noninterest income to average assets | 0.4462% | 4,513 |
| Noninterest expense to average assets | 2.1712% | 6,753 |
| Loan and lease loss provision to assets | 0.1895% | 4,603 |
| Net operating income to assets | 0.6157% | 3,831 |
| Return on assets (ROA) | 0.6157% | 3,970 |
| Pretax return on assets | 0.9151% | 3,411 |
| Return on Equity (ROE) | 7.3183% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.3183% | 2,008 |
| Net charge-offs to loans | -0.0408% | 7,291 |
| Credit loss provision to net charge-offs | -588.2353% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2811% | 5,057 |
| Assets per employee ($millions) | 5.5280% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6426% | 1,136 |
| Loan loss allowance to noncurrent loans | 108.0329% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.9682% | 3,537 |
| Noncurrent loans to loans | 2.4461% | 3,230 |
| Net loans and leases to total assets | 77.2477% | 1,290 |
| Net loans and leases to deposits | 90.7865% | 1,785 |
| Net loans and leases to core deposits | 121.1472% | 740 |
| Total domestic deposits to total assets | 85.0872% | 3,626 |
| Equity capital to assets | 8.5617% | 5,924 |
| Core capital (leverage) ratio | 8.4252% | 5,512 |
| Tier 1 risk-based capital ratio | 10.1487% | 6,933 |
| Total risk-based capital ratio | 11.4144% | 6,909 |
| Memoranda: | ||
| Average total assets | $422,264,500 | 1,652 |
| Average earning assets | $389,087,500 | 1,633 |
| Average equity | $35,527,500 | 1,894 |
| Average total loans | $333,643,500 | 1,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 6,238 |
| Cost of funding earning assets | 2.2323% | 1,891 |
| Net interest margin | 2.8243% | 7,016 |
| Noninterest income to average assets | 0.5073% | 4,358 |
| Noninterest expense to average assets | 2.3236% | 6,680 |
| Loan and lease loss provision to assets | 1.9832% | 1,093 |
| Net operating income to assets | -0.5915% | 6,259 |
| Return on assets (ROA) | -0.4397% | 6,117 |
| Pretax return on assets | -0.9435% | 6,372 |
| Return on Equity (ROE) | -5.2181% | 6,232 |
| Retained earnings to average equity (ytd only) | -10.0550% | 6,526 |
| Net charge-offs to loans | 1.0704% | 2,274 |
| Credit loss provision to net charge-offs | 228.5114% | 1,618 |
| Earnings coverage of net charge-offs (x) | 0.9246% | 5,191 |
| Efficiency ratio | 74.3306% | 3,828 |
| Assets per employee ($millions) | 5.3722% | 1,768 |
| Cash dividends to net income (ytd only)* | -92.6951% | 7,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5678% | 1,153 |
| Loan loss allowance to noncurrent loans | 145.7590% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4102% | 4,298 |
| Noncurrent loans to loans | 1.7617% | 3,993 |
| Net loans and leases to total assets | 76.6642% | 1,653 |
| Net loans and leases to deposits | 90.8622% | 2,071 |
| Net loans and leases to core deposits | 112.7290% | 2,624 |
| Total domestic deposits to total assets | 84.3742% | 3,852 |
| Equity capital to assets | 8.2670% | 6,250 |
| Core capital (leverage) ratio | 8.3213% | 5,574 |
| Tier 1 risk-based capital ratio | 9.8783% | 6,967 |
| Total risk-based capital ratio | 11.1431% | 6,936 |
| Memoranda: | ||
| Average total assets | $411,006,200 | 1,679 |
| Average earning assets | $381,086,600 | 1,649 |
| Average equity | $34,629,400 | 1,942 |
| Average total loans | $333,228,200 | 1,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 6,417 |
| Cost of funding earning assets | 2.3234% | 1,897 |
| Net interest margin | 2.7372% | 7,154 |
| Noninterest income to average assets | 0.4922% | 4,553 |
| Noninterest expense to average assets | 2.3369% | 6,605 |
| Loan and lease loss provision to assets | 0.1962% | 5,424 |
| Net operating income to assets | 0.3719% | 4,510 |
| Return on assets (ROA) | 0.4445% | 4,322 |
| Pretax return on assets | 0.6051% | 4,168 |
| Return on Equity (ROE) | 5.2497% | 3,858 |
| Retained earnings to average equity (ytd only) | 0.8073% | 4,842 |
| Net charge-offs to loans | 0.0989% | 5,683 |
| Credit loss provision to net charge-offs | 242.9150% | 1,794 |
| Earnings coverage of net charge-offs (x) | 8.6881% | 2,213 |
| Efficiency ratio | 76.9024% | 3,339 |
| Assets per employee ($millions) | 5.0131% | 2,123 |
| Cash dividends to net income (ytd only)* | 84.6215% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,552 |
| Loan loss allowance to noncurrent loans | 37.8056% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.8641% | 2,432 |
| Noncurrent loans to loans | 3.4180% | 2,201 |
| Net loans and leases to total assets | 81.7375% | 853 |
| Net loans and leases to deposits | 98.5741% | 1,258 |
| Net loans and leases to core deposits | 124.2421% | 1,881 |
| Total domestic deposits to total assets | 82.9198% | 4,261 |
| Equity capital to assets | 8.6965% | 5,958 |
| Core capital (leverage) ratio | 8.3826% | 5,688 |
| Tier 1 risk-based capital ratio | 9.6808% | 7,250 |
| Total risk-based capital ratio | 10.9042% | 7,232 |
| Memoranda: | ||
| Average total assets | $407,657,750 | 1,703 |
| Average earning assets | $379,259,750 | 1,673 |
| Average equity | $34,515,500 | 1,968 |
| Average total loans | $333,050,750 | 1,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 6,609 |
| Cost of funding earning assets | 2.3827% | 2,038 |
| Net interest margin | 2.6692% | 7,269 |
| Noninterest income to average assets | 0.4821% | 4,607 |
| Noninterest expense to average assets | 2.3553% | 6,610 |
| Loan and lease loss provision to assets | 0.0490% | 6,742 |
| Net operating income to assets | 0.4155% | 4,442 |
| Return on assets (ROA) | 0.4155% | 4,553 |
| Pretax return on assets | 0.5566% | 4,449 |
| Return on Equity (ROE) | 4.9519% | 4,101 |
| Retained earnings to average equity (ytd only) | -1.7635% | 5,686 |
| Net charge-offs to loans | 0.1542% | 4,652 |
| Credit loss provision to net charge-offs | 39.0625% | 5,917 |
| Earnings coverage of net charge-offs (x) | 4.8281% | 2,990 |
| Efficiency ratio | 79.5466% | 3,122 |
| Assets per employee ($millions) | 5.0869% | 1,985 |
| Cash dividends to net income (ytd only)* | 135.6132% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 5,360 |
| Loan loss allowance to noncurrent loans | 32.5803% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 2.8908% | 2,213 |
| Noncurrent loans to loans | 3.4851% | 2,016 |
| Net loans and leases to total assets | 81.0607% | 1,126 |
| Net loans and leases to deposits | 96.6754% | 1,703 |
| Net loans and leases to core deposits | 126.4777% | 1,826 |
| Total domestic deposits to total assets | 83.8483% | 3,844 |
| Equity capital to assets | 8.3864% | 6,222 |
| Core capital (leverage) ratio | 8.2751% | 5,850 |
| Tier 1 risk-based capital ratio | 9.5320% | 7,362 |
| Total risk-based capital ratio | 10.6115% | 7,481 |
| Memoranda: | ||
| Average total assets | $408,190,000 | 1,722 |
| Average earning assets | $379,069,330 | 1,709 |
| Average equity | $34,249,670 | 1,975 |
| Average total loans | $331,984,670 | 1,502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 6,908 |
| Cost of funding earning assets | 2.4726% | 2,017 |
| Net interest margin | 2.5364% | 7,457 |
| Noninterest income to average assets | 0.4736% | 4,560 |
| Noninterest expense to average assets | 2.3315% | 6,432 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3879% | 4,901 |
| Return on assets (ROA) | 0.3879% | 5,082 |
| Pretax return on assets | 0.4913% | 5,104 |
| Return on Equity (ROE) | 4.6221% | 4,646 |
| Retained earnings to average equity (ytd only) | -1.8301% | 6,068 |
| Net charge-offs to loans | -0.0292% | 7,545 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5950% | 2,465 |
| Assets per employee ($millions) | 4.8633% | 2,229 |
| Cash dividends to net income (ytd only)* | 139.5939% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 4,741 |
| Loan loss allowance to noncurrent loans | 48.8149% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.0973% | 2,755 |
| Noncurrent loans to loans | 2.4772% | 2,656 |
| Net loans and leases to total assets | 82.2708% | 974 |
| Net loans and leases to deposits | 98.8565% | 1,551 |
| Net loans and leases to core deposits | 134.2908% | 1,403 |
| Total domestic deposits to total assets | 83.2224% | 4,029 |
| Equity capital to assets | 8.5498% | 5,995 |
| Core capital (leverage) ratio | 8.1787% | 6,145 |
| Tier 1 risk-based capital ratio | 9.4582% | 7,457 |
| Total risk-based capital ratio | 10.5999% | 7,508 |
| Memoranda: | ||
| Average total assets | $406,266,000 | 1,736 |
| Average earning assets | $376,286,500 | 1,724 |
| Average equity | $34,097,000 | 1,998 |
| Average total loans | $329,058,500 | 1,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9338% | 5,887 |
| Cost of funding earning assets | 3.0308% | 1,749 |
| Net interest margin | 2.9030% | 7,151 |
| Noninterest income to average assets | 0.5444% | 4,273 |
| Noninterest expense to average assets | 2.3255% | 6,628 |
| Loan and lease loss provision to assets | 0.4160% | 3,205 |
| Net operating income to assets | 0.4111% | 5,109 |
| Return on assets (ROA) | 0.4477% | 4,782 |
| Pretax return on assets | 0.5170% | 4,928 |
| Return on Equity (ROE) | 5.0549% | 4,362 |
| Retained earnings to average equity (ytd only) | 0.8109% | 4,738 |
| Net charge-offs to loans | 0.3351% | 3,159 |
| Credit loss provision to net charge-offs | 153.4795% | 3,410 |
| Earnings coverage of net charge-offs (x) | 3.2869% | 4,445 |
| Efficiency ratio | 72.3030% | 3,880 |
| Assets per employee ($millions) | 4.8675% | 2,088 |
| Cash dividends to net income (ytd only)* | 83.9585% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 4,347 |
| Loan loss allowance to noncurrent loans | 66.5777% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 3,321 |
| Noncurrent loans to loans | 1.8392% | 2,999 |
| Net loans and leases to total assets | 77.8314% | 2,184 |
| Net loans and leases to deposits | 93.3259% | 2,893 |
| Net loans and leases to core deposits | 148.1399% | 930 |
| Total domestic deposits to total assets | 83.3975% | 3,615 |
| Equity capital to assets | 8.2414% | 6,494 |
| Core capital (leverage) ratio | 8.5241% | 5,529 |
| Tier 1 risk-based capital ratio | 9.5089% | 7,294 |
| Total risk-based capital ratio | 10.6446% | 7,341 |
| Memoranda: | ||
| Average total assets | $387,060,200 | 1,751 |
| Average earning assets | $356,246,800 | 1,740 |
| Average equity | $34,283,400 | 1,980 |
| Average total loans | $313,019,400 | 1,550 |