Home > Milford Federal Bank > Performance and Condition Ratios
Milford Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 4,032 |
| Cost of funding earning assets | 1.2368% | 2,705 |
| Net interest margin | 2.7103% | 3,807 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4028% | 2,583 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4064% | 3,855 |
| Return on assets (ROA) | 0.4064% | 3,853 |
| Pretax return on assets | 0.5335% | 3,756 |
| Return on Equity (ROE) | 3.7000% | 3,932 |
| Retained earnings to average equity (ytd only) | 3.7034% | 3,054 |
| Net charge-offs to loans | 0.0066% | 2,446 |
| Credit loss provision to net charge-offs | -271.4286% | 4,516 |
| Earnings coverage of net charge-offs (x) | 91.8929% | 944 |
| Efficiency ratio | 82.1654% | 767 |
| Assets per employee ($millions) | 7.8414% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4765% | 4,351 |
| Loan loss allowance to noncurrent loans | 313.5747% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,626 |
| Noncurrent loans to loans | 0.1519% | 2,753 |
| Net loans and leases to total assets | 87.9000% | 90 |
| Net loans and leases to deposits | 117.0892% | 106 |
| Net loans and leases to core deposits | 123.7739% | 534 |
| Total domestic deposits to total assets | 75.0700% | 4,024 |
| Equity capital to assets | 11.2466% | 1,390 |
| Core capital (leverage) ratio | 11.5549% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8356% | 704 |
| Memoranda: | ||
| Average total assets | $493,339,600 | 1,741 |
| Average earning assets | $462,796,400 | 1,726 |
| Average equity | $54,138,800 | 1,512 |
| Average total loans | $427,150,600 | 1,405 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,039 |
| Cost of funding earning assets | 1.1370% | 2,637 |
| Net interest margin | 2.7344% | 3,835 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4524% | 2,368 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3853% | 3,989 |
| Return on assets (ROA) | 0.3853% | 3,988 |
| Pretax return on assets | 0.5039% | 3,901 |
| Return on Equity (ROE) | 3.5300% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.5326% | 3,377 |
| Net charge-offs to loans | 0.0085% | 2,097 |
| Credit loss provision to net charge-offs | -114.8148% | 4,529 |
| Earnings coverage of net charge-offs (x) | 67.8889% | 1,133 |
| Efficiency ratio | 83.1897% | 663 |
| Assets per employee ($millions) | 7.5834% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4921% | 4,352 |
| Loan loss allowance to noncurrent loans | 275.6161% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 2,536 |
| Noncurrent loans to loans | 0.1785% | 2,655 |
| Net loans and leases to total assets | 87.1700% | 112 |
| Net loans and leases to deposits | 115.0932% | 119 |
| Net loans and leases to core deposits | 121.4587% | 515 |
| Total domestic deposits to total assets | 75.7400% | 4,032 |
| Equity capital to assets | 10.9778% | 1,351 |
| Core capital (leverage) ratio | 11.4176% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2401% | 790 |
| Memoranda: | ||
| Average total assets | $493,173,000 | 1,744 |
| Average earning assets | $462,971,250 | 1,731 |
| Average equity | $53,783,750 | 1,510 |
| Average total loans | $424,855,750 | 1,404 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 4,043 |
| Cost of funding earning assets | 1.0131% | 2,562 |
| Net interest margin | 2.7717% | 3,869 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.4798% | 2,263 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3661% | 4,061 |
| Return on assets (ROA) | 0.3661% | 4,081 |
| Pretax return on assets | 0.4772% | 4,006 |
| Return on Equity (ROE) | 3.3600% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.3647% | 3,384 |
| Net charge-offs to loans | 0.0043% | 2,144 |
| Credit loss provision to net charge-offs | 788.8889% | 486 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 782 |
| Efficiency ratio | 83.0527% | 655 |
| Assets per employee ($millions) | 7.3717% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 4,358 |
| Loan loss allowance to noncurrent loans | 236.5648% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,235 |
| Noncurrent loans to loans | 0.2232% | 2,371 |
| Net loans and leases to total assets | 85.6200% | 176 |
| Net loans and leases to deposits | 112.6146% | 165 |
| Net loans and leases to core deposits | 118.1653% | 563 |
| Total domestic deposits to total assets | 76.0300% | 4,038 |
| Equity capital to assets | 10.9611% | 1,402 |
| Core capital (leverage) ratio | 11.3501% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8832% | 831 |
| Memoranda: | ||
| Average total assets | $493,256,333 | 1,741 |
| Average earning assets | $463,319,333 | 1,729 |
| Average equity | $53,674,333 | 1,514 |
| Average total loans | $422,531,333 | 1,398 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,033 |
| Cost of funding earning assets | 0.7946% | 2,755 |
| Net interest margin | 2.8985% | 3,795 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.5764% | 2,020 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3635% | 4,148 |
| Return on assets (ROA) | 0.3635% | 4,100 |
| Pretax return on assets | 0.4731% | 4,026 |
| Return on Equity (ROE) | 3.3500% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.3531% | 3,422 |
| Net charge-offs to loans | 0.0057% | 1,755 |
| Credit loss provision to net charge-offs | 1,033.3333% | 349 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 754 |
| Efficiency ratio | 83.1152% | 638 |
| Assets per employee ($millions) | 7.5482% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5293% | 4,419 |
| Loan loss allowance to noncurrent loans | 264.9704% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,320 |
| Noncurrent loans to loans | 0.1998% | 2,473 |
| Net loans and leases to total assets | 84.4600% | 205 |
| Net loans and leases to deposits | 109.0287% | 202 |
| Net loans and leases to core deposits | 114.1984% | 578 |
| Total domestic deposits to total assets | 77.4700% | 4,053 |
| Equity capital to assets | 10.8547% | 1,400 |
| Core capital (leverage) ratio | 11.2519% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9799% | 996 |
| Memoranda: | ||
| Average total assets | $492,934,000 | 1,759 |
| Average earning assets | $463,144,000 | 1,741 |
| Average equity | $53,443,000 | 1,528 |
| Average total loans | $421,239,500 | 1,415 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 3,653 |
| Cost of funding earning assets | 0.2409% | 3,409 |
| Net interest margin | 3.0331% | 3,347 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.6801% | 1,610 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4640% | 4,148 |
| Return on assets (ROA) | 0.4521% | 4,126 |
| Pretax return on assets | 0.6000% | 4,027 |
| Return on Equity (ROE) | 4.0000% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.0013% | 3,395 |
| Net charge-offs to loans | 0.0008% | 2,566 |
| Credit loss provision to net charge-offs | 6,766.6667% | 99 |
| Earnings coverage of net charge-offs (x) | 1,020.3333% | 176 |
| Efficiency ratio | 80.2707% | 698 |
| Assets per employee ($millions) | 7.0680% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4856% | 4,449 |
| Loan loss allowance to noncurrent loans | 234.1379% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,301 |
| Noncurrent loans to loans | 0.2074% | 2,458 |
| Net loans and leases to total assets | 85.5900% | 179 |
| Net loans and leases to deposits | 108.7858% | 181 |
| Net loans and leases to core deposits | 111.7544% | 550 |
| Total domestic deposits to total assets | 78.6800% | 4,030 |
| Equity capital to assets | 10.8286% | 1,331 |
| Core capital (leverage) ratio | 11.5826% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7619% | 864 |
| Memoranda: | ||
| Average total assets | $464,678,200 | 1,820 |
| Average earning assets | $434,674,400 | 1,808 |
| Average equity | $52,507,400 | 1,554 |
| Average total loans | $393,459,800 | 1,417 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1776% | 3,487 |
| Cost of funding earning assets | 0.1899% | 3,397 |
| Net interest margin | 2.9877% | 3,247 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.7158% | 1,437 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4983% | 4,076 |
| Return on assets (ROA) | 0.4779% | 4,072 |
| Pretax return on assets | 0.4625% | 4,196 |
| Return on Equity (ROE) | 4.1800% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.1831% | 3,383 |
| Net charge-offs to loans | 0.0007% | 2,311 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 868.5000% | 180 |
| Efficiency ratio | 84.3302% | 530 |
| Assets per employee ($millions) | 7.1668% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4795% | 4,488 |
| Loan loss allowance to noncurrent loans | 260.2180% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,514 |
| Noncurrent loans to loans | 0.1843% | 2,661 |
| Net loans and leases to total assets | 85.1100% | 176 |
| Net loans and leases to deposits | 100.9254% | 330 |
| Net loans and leases to core deposits | 103.4307% | 676 |
| Total domestic deposits to total assets | 84.3300% | 3,422 |
| Equity capital to assets | 11.1723% | 1,114 |
| Core capital (leverage) ratio | 11.7994% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6307% | 672 |
| Memoranda: | ||
| Average total assets | $458,925,500 | 1,842 |
| Average earning assets | $428,944,250 | 1,833 |
| Average equity | $52,431,750 | 1,581 |
| Average total loans | $386,959,500 | 1,425 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0634% | 3,395 |
| Cost of funding earning assets | 0.1759% | 3,230 |
| Net interest margin | 2.8875% | 3,205 |
| Noninterest income to average assets | 0.4568% | 2,410 |
| Noninterest expense to average assets | 2.7042% | 1,382 |
| Loan and lease loss provision to assets | 0.0219% | 2,207 |
| Net operating income to assets | 0.3256% | 4,243 |
| Return on assets (ROA) | 0.3013% | 4,234 |
| Pretax return on assets | 0.3960% | 4,168 |
| Return on Equity (ROE) | 2.6179% | 4,270 |
| Retained earnings to average equity (ytd only) | 2.6179% | 3,573 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7738% | 586 |
| Assets per employee ($millions) | 6.2461% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4858% | 4,564 |
| Loan loss allowance to noncurrent loans | 313.4551% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,785 |
| Noncurrent loans to loans | 0.1550% | 2,916 |
| Net loans and leases to total assets | 84.7731% | 147 |
| Net loans and leases to deposits | 97.5032% | 363 |
| Net loans and leases to core deposits | 100.3588% | 658 |
| Total domestic deposits to total assets | 86.9439% | 2,957 |
| Equity capital to assets | 11.4176% | 1,054 |
| Core capital (leverage) ratio | 11.7680% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0276% | 713 |
| Memoranda: | ||
| Average total assets | $456,621,000 | 1,855 |
| Average earning assets | $426,317,000 | 1,855 |
| Average equity | $52,560,667 | 1,617 |
| Average total loans | $383,156,333 | 1,426 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9808% | 3,310 |
| Cost of funding earning assets | 0.1665% | 3,273 |
| Net interest margin | 2.8143% | 3,093 |
| Noninterest income to average assets | 0.5007% | 2,135 |
| Noninterest expense to average assets | 2.7303% | 1,292 |
| Loan and lease loss provision to assets | 0.0219% | 1,958 |
| Net operating income to assets | 0.2805% | 4,181 |
| Return on assets (ROA) | 0.2521% | 4,210 |
| Pretax return on assets | 0.3318% | 4,141 |
| Return on Equity (ROE) | 2.1814% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.1814% | 3,497 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5140% | 658 |
| Assets per employee ($millions) | 6.1760% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4850% | 4,600 |
| Loan loss allowance to noncurrent loans | 305.0820% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,874 |
| Noncurrent loans to loans | 0.1590% | 3,010 |
| Net loans and leases to total assets | 82.4319% | 143 |
| Net loans and leases to deposits | 95.9302% | 283 |
| Net loans and leases to core deposits | 98.7713% | 550 |
| Total domestic deposits to total assets | 85.9290% | 3,280 |
| Equity capital to assets | 11.3849% | 1,168 |
| Core capital (leverage) ratio | 11.7990% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1117% | 890 |
| Memoranda: | ||
| Average total assets | $456,950,000 | 1,864 |
| Average earning assets | $425,260,000 | 1,869 |
| Average equity | $52,811,000 | 1,653 |
| Average total loans | $380,524,000 | 1,428 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 3,785 |
| Cost of funding earning assets | 0.2979% | 2,426 |
| Net interest margin | 2.7517% | 3,778 |
| Noninterest income to average assets | 1.0284% | 944 |
| Noninterest expense to average assets | 2.9717% | 1,029 |
| Loan and lease loss provision to assets | 0.0222% | 2,621 |
| Net operating income to assets | 0.4315% | 4,218 |
| Return on assets (ROA) | 0.4274% | 4,268 |
| Pretax return on assets | 0.5747% | 4,146 |
| Return on Equity (ROE) | 3.6999% | 4,262 |
| Retained earnings to average equity (ytd only) | 3.6999% | 3,340 |
| Net charge-offs to loans | 0.0032% | 2,499 |
| Credit loss provision to net charge-offs | 833.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 225.5833% | 496 |
| Efficiency ratio | 83.1539% | 612 |
| Assets per employee ($millions) | 6.3479% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4865% | 4,635 |
| Loan loss allowance to noncurrent loans | 216.7651% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,620 |
| Noncurrent loans to loans | 0.2245% | 2,838 |
| Net loans and leases to total assets | 83.3208% | 135 |
| Net loans and leases to deposits | 95.1863% | 343 |
| Net loans and leases to core deposits | 98.0409% | 611 |
| Total domestic deposits to total assets | 87.5344% | 2,267 |
| Equity capital to assets | 11.7345% | 1,373 |
| Core capital (leverage) ratio | 11.7229% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1449% | 738 |
| Memoranda: | ||
| Average total assets | $449,648,600 | 1,838 |
| Average earning assets | $415,928,400 | 1,849 |
| Average equity | $51,947,800 | 1,707 |
| Average total loans | $372,777,400 | 1,449 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0513% | 3,905 |
| Cost of funding earning assets | 0.3173% | 2,437 |
| Net interest margin | 2.7340% | 3,908 |
| Noninterest income to average assets | 1.1452% | 869 |
| Noninterest expense to average assets | 2.9310% | 1,075 |
| Loan and lease loss provision to assets | 0.0223% | 2,549 |
| Net operating income to assets | 0.5307% | 4,142 |
| Return on assets (ROA) | 0.5269% | 4,196 |
| Pretax return on assets | 0.7130% | 4,048 |
| Return on Equity (ROE) | 4.5790% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.5790% | 3,379 |
| Net charge-offs to loans | 0.0043% | 2,191 |
| Credit loss provision to net charge-offs | 625.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 207.8333% | 538 |
| Efficiency ratio | 79.8432% | 757 |
| Assets per employee ($millions) | 5.7095% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 4,729 |
| Loan loss allowance to noncurrent loans | 193.0704% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 2,756 |
| Noncurrent loans to loans | 0.2458% | 2,952 |
| Net loans and leases to total assets | 83.1438% | 135 |
| Net loans and leases to deposits | 97.7340% | 283 |
| Net loans and leases to core deposits | 100.7104% | 565 |
| Total domestic deposits to total assets | 85.0715% | 3,091 |
| Equity capital to assets | 11.5552% | 1,632 |
| Core capital (leverage) ratio | 11.6613% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5232% | 746 |
| Memoranda: | ||
| Average total assets | $449,386,250 | 1,856 |
| Average earning assets | $415,156,000 | 1,872 |
| Average equity | $51,713,000 | 1,732 |
| Average total loans | $371,631,500 | 1,480 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0497% | 3,958 |
| Cost of funding earning assets | 0.3338% | 2,455 |
| Net interest margin | 2.7159% | 3,949 |
| Noninterest income to average assets | 0.9040% | 1,267 |
| Noninterest expense to average assets | 3.0233% | 946 |
| Loan and lease loss provision to assets | 0.0224% | 2,525 |
| Net operating income to assets | 0.2761% | 4,549 |
| Return on assets (ROA) | 0.2725% | 4,575 |
| Pretax return on assets | 0.3589% | 4,539 |
| Return on Equity (ROE) | 2.3716% | 4,558 |
| Retained earnings to average equity (ytd only) | 2.3716% | 4,026 |
| Net charge-offs to loans | 0.0065% | 1,905 |
| Credit loss provision to net charge-offs | 416.6667% | 742 |
| Earnings coverage of net charge-offs (x) | 71.8333% | 893 |
| Efficiency ratio | 88.6847% | 379 |
| Assets per employee ($millions) | 5.4592% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4825% | 4,750 |
| Loan loss allowance to noncurrent loans | 125.0525% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 2,337 |
| Noncurrent loans to loans | 0.3858% | 2,517 |
| Net loans and leases to total assets | 81.3491% | 246 |
| Net loans and leases to deposits | 95.3776% | 406 |
| Net loans and leases to core deposits | 98.2897% | 709 |
| Total domestic deposits to total assets | 85.2916% | 2,988 |
| Equity capital to assets | 11.3925% | 1,708 |
| Core capital (leverage) ratio | 11.5009% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9214% | 818 |
| Memoranda: | ||
| Average total assets | $446,927,333 | 1,856 |
| Average earning assets | $412,243,667 | 1,874 |
| Average equity | $51,357,333 | 1,733 |
| Average total loans | $368,315,000 | 1,489 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0414% | 4,001 |
| Cost of funding earning assets | 0.3556% | 2,480 |
| Net interest margin | 2.6858% | 3,994 |
| Noninterest income to average assets | 0.9193% | 1,278 |
| Noninterest expense to average assets | 2.9768% | 1,035 |
| Loan and lease loss provision to assets | 0.0225% | 2,491 |
| Net operating income to assets | 0.2958% | 4,525 |
| Return on assets (ROA) | 0.2929% | 4,561 |
| Pretax return on assets | 0.3875% | 4,500 |
| Return on Equity (ROE) | 2.5378% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.5378% | 3,904 |
| Net charge-offs to loans | 0.0185% | 1,371 |
| Credit loss provision to net charge-offs | 147.0588% | 988 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,136 |
| Efficiency ratio | 87.7990% | 453 |
| Assets per employee ($millions) | 5.5429% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4790% | 4,788 |
| Loan loss allowance to noncurrent loans | 142.6136% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 2,785 |
| Noncurrent loans to loans | 0.3359% | 2,890 |
| Net loans and leases to total assets | 81.3093% | 260 |
| Net loans and leases to deposits | 95.1489% | 434 |
| Net loans and leases to core deposits | 98.4124% | 786 |
| Total domestic deposits to total assets | 85.4547% | 2,941 |
| Equity capital to assets | 11.4384% | 1,578 |
| Core capital (leverage) ratio | 11.6269% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8627% | 807 |
| Memoranda: | ||
| Average total assets | $443,833,500 | 1,859 |
| Average earning assets | $408,371,000 | 1,876 |
| Average equity | $51,225,500 | 1,730 |
| Average total loans | $367,276,500 | 1,499 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 4,243 |
| Cost of funding earning assets | 0.6221% | 2,168 |
| Net interest margin | 2.7446% | 4,327 |
| Noninterest income to average assets | 0.9161% | 1,228 |
| Noninterest expense to average assets | 3.0504% | 1,331 |
| Loan and lease loss provision to assets | 0.0233% | 4,111 |
| Net operating income to assets | 0.3080% | 4,420 |
| Return on assets (ROA) | 0.3526% | 4,409 |
| Pretax return on assets | 0.4728% | 4,318 |
| Return on Equity (ROE) | 2.9975% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.9975% | 3,357 |
| Net charge-offs to loans | 0.0003% | 3,437 |
| Credit loss provision to net charge-offs | 10,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 1,884.0000% | 59 |
| Efficiency ratio | 87.4030% | 471 |
| Assets per employee ($millions) | 5.5531% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4756% | 4,807 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 2,837 |
| Noncurrent loans to loans | 0.3459% | 2,963 |
| Net loans and leases to total assets | 83.4272% | 206 |
| Net loans and leases to deposits | 98.0232% | 461 |
| Net loans and leases to core deposits | 102.0821% | 812 |
| Total domestic deposits to total assets | 85.1097% | 2,716 |
| Equity capital to assets | 11.6472% | 1,772 |
| Core capital (leverage) ratio | 11.6940% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4363% | 847 |
| Memoranda: | ||
| Average total assets | $428,538,200 | 1,771 |
| Average earning assets | $401,885,000 | 1,763 |
| Average equity | $50,409,200 | 1,682 |
| Average total loans | $366,574,800 | 1,460 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 4,344 |
| Cost of funding earning assets | 0.6785% | 2,149 |
| Net interest margin | 2.7232% | 4,443 |
| Noninterest income to average assets | 0.8225% | 1,413 |
| Noninterest expense to average assets | 2.9226% | 1,641 |
| Loan and lease loss provision to assets | 0.0228% | 4,044 |
| Net operating income to assets | 0.3272% | 4,395 |
| Return on assets (ROA) | 0.3878% | 4,349 |
| Pretax return on assets | 0.5227% | 4,239 |
| Return on Equity (ROE) | 3.2883% | 4,336 |
| Retained earnings to average equity (ytd only) | 3.2883% | 3,398 |
| Net charge-offs to loans | -0.0004% | 3,773 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1757% | 493 |
| Assets per employee ($millions) | 5.6200% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 4,835 |
| Loan loss allowance to noncurrent loans | 166.2488% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 3,261 |
| Noncurrent loans to loans | 0.2856% | 3,259 |
| Net loans and leases to total assets | 82.4389% | 403 |
| Net loans and leases to deposits | 98.4955% | 597 |
| Net loans and leases to core deposits | 102.4119% | 1,004 |
| Total domestic deposits to total assets | 83.6982% | 2,928 |
| Equity capital to assets | 11.6025% | 1,937 |
| Core capital (leverage) ratio | 11.7062% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3498% | 749 |
| Memoranda: | ||
| Average total assets | $425,998,750 | 1,754 |
| Average earning assets | $401,870,250 | 1,735 |
| Average equity | $50,237,500 | 1,676 |
| Average total loans | $366,283,250 | 1,454 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 4,405 |
| Cost of funding earning assets | 0.7468% | 2,145 |
| Net interest margin | 2.7541% | 4,501 |
| Noninterest income to average assets | 0.6462% | 1,946 |
| Noninterest expense to average assets | 2.9625% | 1,680 |
| Loan and lease loss provision to assets | 0.0213% | 3,980 |
| Net operating income to assets | 0.1941% | 4,582 |
| Return on assets (ROA) | 0.2574% | 4,540 |
| Pretax return on assets | 0.3404% | 4,484 |
| Return on Equity (ROE) | 2.1707% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.1707% | 3,690 |
| Net charge-offs to loans | -0.0005% | 3,727 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3196% | 359 |
| Assets per employee ($millions) | 5.6295% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4615% | 4,866 |
| Loan loss allowance to noncurrent loans | 115.5313% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,952 |
| Noncurrent loans to loans | 0.3994% | 2,974 |
| Net loans and leases to total assets | 84.3978% | 224 |
| Net loans and leases to deposits | 100.7172% | 507 |
| Net loans and leases to core deposits | 105.0760% | 942 |
| Total domestic deposits to total assets | 83.7968% | 2,818 |
| Equity capital to assets | 11.6084% | 1,905 |
| Core capital (leverage) ratio | 11.6816% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6137% | 824 |
| Memoranda: | ||
| Average total assets | $421,877,667 | 1,744 |
| Average earning assets | $397,956,000 | 1,719 |
| Average equity | $50,029,667 | 1,671 |
| Average total loans | $367,342,667 | 1,438 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 4,497 |
| Cost of funding earning assets | 0.8264% | 2,240 |
| Net interest margin | 2.7954% | 4,570 |
| Noninterest income to average assets | 0.6835% | 1,713 |
| Noninterest expense to average assets | 3.0734% | 1,710 |
| Loan and lease loss provision to assets | 0.0173% | 3,579 |
| Net operating income to assets | 0.1715% | 4,567 |
| Return on assets (ROA) | 0.1980% | 4,547 |
| Pretax return on assets | 0.2605% | 4,510 |
| Return on Equity (ROE) | 1.6518% | 4,520 |
| Retained earnings to average equity (ytd only) | 1.6518% | 3,564 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6398% | 406 |
| Assets per employee ($millions) | 5.2944% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 4,916 |
| Loan loss allowance to noncurrent loans | 83.6090% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 2,572 |
| Noncurrent loans to loans | 0.5396% | 2,645 |
| Net loans and leases to total assets | 87.9898% | 69 |
| Net loans and leases to deposits | 106.6075% | 273 |
| Net loans and leases to core deposits | 111.5044% | 777 |
| Total domestic deposits to total assets | 82.5362% | 3,253 |
| Equity capital to assets | 11.9722% | 2,091 |
| Core capital (leverage) ratio | 11.9503% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6598% | 905 |
| Memoranda: | ||
| Average total assets | $416,081,500 | 1,719 |
| Average earning assets | $392,074,000 | 1,694 |
| Average equity | $49,885,000 | 1,669 |
| Average total loans | $367,246,500 | 1,395 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,658 |
| Cost of funding earning assets | 0.8129% | 2,621 |
| Net interest margin | 2.9054% | 4,651 |
| Noninterest income to average assets | 0.8342% | 1,344 |
| Noninterest expense to average assets | 3.0471% | 1,889 |
| Loan and lease loss provision to assets | 0.0139% | 3,735 |
| Net operating income to assets | 0.3745% | 4,643 |
| Return on assets (ROA) | 0.3720% | 4,677 |
| Pretax return on assets | 0.5009% | 4,578 |
| Return on Equity (ROE) | 3.0770% | 4,652 |
| Retained earnings to average equity (ytd only) | 3.0770% | 3,485 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4710% | 568 |
| Assets per employee ($millions) | 5.1738% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4523% | 4,941 |
| Loan loss allowance to noncurrent loans | 85.0954% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,532 |
| Noncurrent loans to loans | 0.5315% | 2,584 |
| Net loans and leases to total assets | 87.7377% | 92 |
| Net loans and leases to deposits | 106.3771% | 287 |
| Net loans and leases to core deposits | 111.5346% | 773 |
| Total domestic deposits to total assets | 82.4780% | 3,370 |
| Equity capital to assets | 12.0064% | 2,133 |
| Core capital (leverage) ratio | 11.9599% | 1,807 |
| Tier 1 risk-based capital ratio | 19.2168% | 1,474 |
| Total risk-based capital ratio | 19.8535% | 1,579 |
| Memoranda: | ||
| Average total assets | $403,499,800 | 1,731 |
| Average earning assets | $379,256,600 | 1,714 |
| Average equity | $48,781,400 | 1,638 |
| Average total loans | $354,118,000 | 1,401 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,752 |
| Cost of funding earning assets | 0.7767% | 2,832 |
| Net interest margin | 2.9487% | 4,697 |
| Noninterest income to average assets | 0.8158% | 1,372 |
| Noninterest expense to average assets | 3.0418% | 1,856 |
| Loan and lease loss provision to assets | 0.0186% | 3,535 |
| Net operating income to assets | 0.3895% | 4,740 |
| Return on assets (ROA) | 0.3861% | 4,770 |
| Pretax return on assets | 0.5202% | 4,672 |
| Return on Equity (ROE) | 3.1882% | 4,739 |
| Retained earnings to average equity (ytd only) | 3.1882% | 3,813 |
| Net charge-offs to loans | 0.0004% | 3,452 |
| Credit loss provision to net charge-offs | 5,600.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,637.0526% | 46 |
| Efficiency ratio | 84.8502% | 563 |
| Assets per employee ($millions) | 5.1676% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4629% | 5,015 |
| Loan loss allowance to noncurrent loans | 83.0730% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,632 |
| Noncurrent loans to loans | 0.5573% | 2,622 |
| Net loans and leases to total assets | 84.7033% | 275 |
| Net loans and leases to deposits | 104.5951% | 381 |
| Net loans and leases to core deposits | 109.8387% | 956 |
| Total domestic deposits to total assets | 80.9821% | 3,760 |
| Equity capital to assets | 11.7810% | 2,430 |
| Core capital (leverage) ratio | 12.0330% | 1,827 |
| Tier 1 risk-based capital ratio | 19.6162% | 1,436 |
| Total risk-based capital ratio | 20.2702% | 1,535 |
| Memoranda: | ||
| Average total assets | $400,899,000 | 1,751 |
| Average earning assets | $376,478,000 | 1,732 |
| Average equity | $48,553,000 | 1,645 |
| Average total loans | $351,447,750 | 1,423 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,799 |
| Cost of funding earning assets | 0.7308% | 2,991 |
| Net interest margin | 2.9981% | 4,693 |
| Noninterest income to average assets | 0.6476% | 1,932 |
| Noninterest expense to average assets | 3.0683% | 1,818 |
| Loan and lease loss provision to assets | 0.0192% | 3,403 |
| Net operating income to assets | 0.2817% | 4,899 |
| Return on assets (ROA) | 0.2765% | 4,915 |
| Pretax return on assets | 0.3661% | 4,869 |
| Return on Equity (ROE) | 2.2609% | 4,908 |
| Retained earnings to average equity (ytd only) | 2.2609% | 4,034 |
| Net charge-offs to loans | 0.0011% | 3,141 |
| Credit loss provision to net charge-offs | 1,900.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 205 |
| Efficiency ratio | 88.6743% | 407 |
| Assets per employee ($millions) | 4.4835% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 5,061 |
| Loan loss allowance to noncurrent loans | 85.9177% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 2,125 |
| Noncurrent loans to loans | 0.5358% | 2,672 |
| Net loans and leases to total assets | 87.2913% | 140 |
| Net loans and leases to deposits | 106.7228% | 312 |
| Net loans and leases to core deposits | 111.2856% | 897 |
| Total domestic deposits to total assets | 81.7926% | 3,580 |
| Equity capital to assets | 12.0641% | 2,138 |
| Core capital (leverage) ratio | 12.2851% | 1,650 |
| Tier 1 risk-based capital ratio | 19.5468% | 1,427 |
| Total risk-based capital ratio | 20.1988% | 1,531 |
| Memoranda: | ||
| Average total assets | $395,007,330 | 1,779 |
| Average earning assets | $370,567,670 | 1,762 |
| Average equity | $48,300,000 | 1,650 |
| Average total loans | $349,865,330 | 1,438 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 4,785 |
| Cost of funding earning assets | 0.6930% | 3,093 |
| Net interest margin | 3.0527% | 4,662 |
| Noninterest income to average assets | 0.6060% | 2,017 |
| Noninterest expense to average assets | 3.0833% | 1,765 |
| Loan and lease loss provision to assets | 0.0194% | 3,191 |
| Net operating income to assets | 0.2743% | 4,929 |
| Return on assets (ROA) | 0.2743% | 4,939 |
| Pretax return on assets | 0.3624% | 4,884 |
| Return on Equity (ROE) | 2.2282% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.2282% | 4,001 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9808% | 435 |
| Assets per employee ($millions) | 5.0825% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4630% | 5,123 |
| Loan loss allowance to noncurrent loans | 71.5299% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 1,780 |
| Noncurrent loans to loans | 0.6473% | 2,396 |
| Net loans and leases to total assets | 88.5988% | 79 |
| Net loans and leases to deposits | 108.5667% | 255 |
| Net loans and leases to core deposits | 112.9654% | 785 |
| Total domestic deposits to total assets | 81.6077% | 3,830 |
| Equity capital to assets | 12.3367% | 1,828 |
| Core capital (leverage) ratio | 12.4180% | 1,553 |
| Tier 1 risk-based capital ratio | 19.6282% | 1,416 |
| Total risk-based capital ratio | 20.2801% | 1,510 |
| Memoranda: | ||
| Average total assets | $390,755,500 | 1,807 |
| Average earning assets | $365,968,500 | 1,791 |
| Average equity | $48,110,000 | 1,638 |
| Average total loans | $347,868,500 | 1,452 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 4,915 |
| Cost of funding earning assets | 0.4964% | 3,384 |
| Net interest margin | 3.0023% | 4,795 |
| Noninterest income to average assets | 0.7564% | 1,617 |
| Noninterest expense to average assets | 3.1153% | 1,756 |
| Loan and lease loss provision to assets | 0.0195% | 3,775 |
| Net operating income to assets | 0.3240% | 4,978 |
| Return on assets (ROA) | 0.3185% | 4,977 |
| Pretax return on assets | 0.4327% | 4,903 |
| Return on Equity (ROE) | 2.6012% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.6012% | 4,099 |
| Net charge-offs to loans | 0.0130% | 3,252 |
| Credit loss provision to net charge-offs | 170.4545% | 1,637 |
| Earnings coverage of net charge-offs (x) | 40.2045% | 1,301 |
| Efficiency ratio | 87.1532% | 470 |
| Assets per employee ($millions) | 4.5367% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4589% | 5,168 |
| Loan loss allowance to noncurrent loans | 63.1037% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 1,615 |
| Noncurrent loans to loans | 0.7271% | 2,173 |
| Net loans and leases to total assets | 88.6297% | 92 |
| Net loans and leases to deposits | 109.7961% | 259 |
| Net loans and leases to core deposits | 114.2022% | 777 |
| Total domestic deposits to total assets | 80.7221% | 3,947 |
| Equity capital to assets | 12.2874% | 1,705 |
| Core capital (leverage) ratio | 12.4746% | 1,468 |
| Tier 1 risk-based capital ratio | 19.6644% | 1,365 |
| Total risk-based capital ratio | 20.3134% | 1,467 |
| Memoranda: | ||
| Average total assets | $385,230,200 | 1,777 |
| Average earning assets | $361,585,800 | 1,763 |
| Average equity | $47,170,200 | 1,591 |
| Average total loans | $339,660,000 | 1,442 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 4,972 |
| Cost of funding earning assets | 0.4559% | 3,488 |
| Net interest margin | 2.9999% | 4,844 |
| Noninterest income to average assets | 0.7788% | 1,543 |
| Noninterest expense to average assets | 3.1065% | 1,752 |
| Loan and lease loss provision to assets | 0.0194% | 3,617 |
| Net operating income to assets | 0.3469% | 5,036 |
| Return on assets (ROA) | 0.3469% | 5,032 |
| Pretax return on assets | 0.4698% | 4,945 |
| Return on Equity (ROE) | 2.8353% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.8353% | 4,303 |
| Net charge-offs to loans | 0.0170% | 2,829 |
| Credit loss provision to net charge-offs | 130.2326% | 1,890 |
| Earnings coverage of net charge-offs (x) | 32.7685% | 1,534 |
| Efficiency ratio | 86.3944% | 494 |
| Assets per employee ($millions) | 4.7310% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 5,231 |
| Loan loss allowance to noncurrent loans | 58.4353% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 1,783 |
| Noncurrent loans to loans | 0.7881% | 2,133 |
| Net loans and leases to total assets | 88.8932% | 113 |
| Net loans and leases to deposits | 107.4459% | 378 |
| Net loans and leases to core deposits | 110.6541% | 992 |
| Total domestic deposits to total assets | 82.7329% | 3,392 |
| Equity capital to assets | 12.3771% | 1,658 |
| Core capital (leverage) ratio | 12.4897% | 1,509 |
| Tier 1 risk-based capital ratio | 19.9560% | 1,342 |
| Total risk-based capital ratio | 20.6102% | 1,429 |
| Memoranda: | ||
| Average total assets | $383,998,500 | 1,787 |
| Average earning assets | $360,578,750 | 1,774 |
| Average equity | $46,977,750 | 1,595 |
| Average total loans | $337,727,750 | 1,451 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 5,031 |
| Cost of funding earning assets | 0.4300% | 3,498 |
| Net interest margin | 2.9768% | 4,908 |
| Noninterest income to average assets | 0.7693% | 1,577 |
| Noninterest expense to average assets | 3.1385% | 1,696 |
| Loan and lease loss provision to assets | 0.0198% | 3,507 |
| Net operating income to assets | 0.3019% | 5,112 |
| Return on assets (ROA) | 0.3019% | 5,107 |
| Pretax return on assets | 0.4070% | 5,039 |
| Return on Equity (ROE) | 2.4772% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.4772% | 4,270 |
| Net charge-offs to loans | 0.0268% | 2,319 |
| Credit loss provision to net charge-offs | 84.4444% | 2,217 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 1,910 |
| Efficiency ratio | 88.0292% | 465 |
| Assets per employee ($millions) | 4.8239% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4546% | 5,316 |
| Loan loss allowance to noncurrent loans | 55.8750% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 1,760 |
| Noncurrent loans to loans | 0.8137% | 2,099 |
| Net loans and leases to total assets | 88.2238% | 126 |
| Net loans and leases to deposits | 105.8492% | 442 |
| Net loans and leases to core deposits | 108.9526% | 1,053 |
| Total domestic deposits to total assets | 83.3486% | 3,308 |
| Equity capital to assets | 12.1924% | 1,723 |
| Core capital (leverage) ratio | 12.3745% | 1,504 |
| Tier 1 risk-based capital ratio | 19.9004% | 1,335 |
| Total risk-based capital ratio | 20.5498% | 1,434 |
| Memoranda: | ||
| Average total assets | $384,259,670 | 1,798 |
| Average earning assets | $360,929,330 | 1,773 |
| Average equity | $46,826,670 | 1,607 |
| Average total loans | $336,227,670 | 1,458 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,029 |
| Cost of funding earning assets | 0.4222% | 3,428 |
| Net interest margin | 2.9744% | 4,910 |
| Noninterest income to average assets | 0.7918% | 1,486 |
| Noninterest expense to average assets | 3.1098% | 1,799 |
| Loan and lease loss provision to assets | 0.0198% | 3,279 |
| Net operating income to assets | 0.3370% | 5,037 |
| Return on assets (ROA) | 0.3370% | 5,040 |
| Pretax return on assets | 0.4548% | 4,951 |
| Return on Equity (ROE) | 2.7658% | 5,064 |
| Retained earnings to average equity (ytd only) | 2.7658% | 4,080 |
| Net charge-offs to loans | 0.0552% | 1,555 |
| Credit loss provision to net charge-offs | 41.3043% | 2,008 |
| Earnings coverage of net charge-offs (x) | 9.8913% | 1,937 |
| Efficiency ratio | 86.7579% | 591 |
| Assets per employee ($millions) | 4.7292% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4611% | 5,379 |
| Loan loss allowance to noncurrent loans | 45.9856% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 1,677 |
| Noncurrent loans to loans | 1.0028% | 1,822 |
| Net loans and leases to total assets | 86.4993% | 224 |
| Net loans and leases to deposits | 103.1790% | 523 |
| Net loans and leases to core deposits | 106.0219% | 1,235 |
| Total domestic deposits to total assets | 83.8343% | 3,396 |
| Equity capital to assets | 12.2189% | 1,652 |
| Core capital (leverage) ratio | 12.3443% | 1,459 |
| Tier 1 risk-based capital ratio | 20.1834% | 1,314 |
| Total risk-based capital ratio | 20.8371% | 1,389 |
| Memoranda: | ||
| Average total assets | $383,433,000 | 1,809 |
| Average earning assets | $360,011,000 | 1,785 |
| Average equity | $46,714,000 | 1,618 |
| Average total loans | $333,330,500 | 1,473 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 5,080 |
| Cost of funding earning assets | 0.4014% | 3,242 |
| Net interest margin | 2.9020% | 5,041 |
| Noninterest income to average assets | 0.8315% | 1,460 |
| Noninterest expense to average assets | 2.9752% | 2,231 |
| Loan and lease loss provision to assets | 0.0262% | 3,770 |
| Net operating income to assets | 0.4295% | 4,591 |
| Return on assets (ROA) | 0.4295% | 4,615 |
| Pretax return on assets | 0.5580% | 4,830 |
| Return on Equity (ROE) | 3.5745% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.5745% | 3,132 |
| Net charge-offs to loans | 0.0006% | 4,110 |
| Credit loss provision to net charge-offs | 5,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,114.0000% | 73 |
| Efficiency ratio | 83.5863% | 805 |
| Assets per employee ($millions) | 4.6805% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 5,428 |
| Loan loss allowance to noncurrent loans | 48.4801% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 1,856 |
| Noncurrent loans to loans | 0.9659% | 1,830 |
| Net loans and leases to total assets | 86.5590% | 215 |
| Net loans and leases to deposits | 104.4885% | 472 |
| Net loans and leases to core deposits | 107.2976% | 1,196 |
| Total domestic deposits to total assets | 82.8407% | 3,613 |
| Equity capital to assets | 12.1474% | 1,733 |
| Core capital (leverage) ratio | 12.2450% | 1,475 |
| Tier 1 risk-based capital ratio | 20.1495% | 1,291 |
| Total risk-based capital ratio | 20.8188% | 1,373 |
| Memoranda: | ||
| Average total assets | $381,351,200 | 1,785 |
| Average earning assets | $358,471,800 | 1,760 |
| Average equity | $45,824,400 | 1,639 |
| Average total loans | $332,065,400 | 1,441 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 5,141 |
| Cost of funding earning assets | 0.3933% | 3,265 |
| Net interest margin | 2.8839% | 5,108 |
| Noninterest income to average assets | 0.7949% | 1,612 |
| Noninterest expense to average assets | 2.9654% | 2,201 |
| Loan and lease loss provision to assets | 0.0263% | 3,607 |
| Net operating income to assets | 0.3215% | 5,177 |
| Return on assets (ROA) | 0.3215% | 5,204 |
| Pretax return on assets | 0.5151% | 4,998 |
| Return on Equity (ROE) | 2.6827% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.6827% | 4,294 |
| Net charge-offs to loans | 0.0012% | 3,742 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 515.3200% | 199 |
| Efficiency ratio | 84.5616% | 715 |
| Assets per employee ($millions) | 4.9822% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 5,520 |
| Loan loss allowance to noncurrent loans | 41.1182% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 1,741 |
| Noncurrent loans to loans | 1.0941% | 1,762 |
| Net loans and leases to total assets | 88.6570% | 128 |
| Net loans and leases to deposits | 106.5597% | 388 |
| Net loans and leases to core deposits | 109.5714% | 1,053 |
| Total domestic deposits to total assets | 83.1994% | 3,393 |
| Equity capital to assets | 12.0215% | 1,955 |
| Core capital (leverage) ratio | 12.1026% | 1,623 |
| Tier 1 risk-based capital ratio | 19.6073% | 1,454 |
| Total risk-based capital ratio | 20.2577% | 1,545 |
| Memoranda: | ||
| Average total assets | $380,738,250 | 1,804 |
| Average earning assets | $358,025,750 | 1,776 |
| Average equity | $45,625,000 | 1,662 |
| Average total loans | $331,637,000 | 1,447 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 5,196 |
| Cost of funding earning assets | 0.3871% | 3,212 |
| Net interest margin | 2.8487% | 5,172 |
| Noninterest income to average assets | 0.7368% | 1,826 |
| Noninterest expense to average assets | 2.9370% | 2,304 |
| Loan and lease loss provision to assets | 0.0263% | 3,475 |
| Net operating income to assets | 0.2833% | 5,258 |
| Return on assets (ROA) | 0.2833% | 5,274 |
| Pretax return on assets | 0.4513% | 5,082 |
| Return on Equity (ROE) | 2.3669% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.3669% | 4,261 |
| Net charge-offs to loans | 0.0055% | 3,270 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 100.7778% | 651 |
| Efficiency ratio | 86.0117% | 687 |
| Assets per employee ($millions) | 4.9052% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 5,563 |
| Loan loss allowance to noncurrent loans | 35.8913% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 1,592 |
| Noncurrent loans to loans | 1.2567% | 1,534 |
| Net loans and leases to total assets | 86.8728% | 216 |
| Net loans and leases to deposits | 103.3633% | 530 |
| Net loans and leases to core deposits | 106.4434% | 1,196 |
| Total domestic deposits to total assets | 84.0461% | 3,181 |
| Equity capital to assets | 11.9571% | 1,961 |
| Core capital (leverage) ratio | 12.0420% | 1,611 |
| Tier 1 risk-based capital ratio | 19.7167% | 1,431 |
| Total risk-based capital ratio | 20.3629% | 1,518 |
| Memoranda: | ||
| Average total assets | $379,774,670 | 1,807 |
| Average earning assets | $357,010,330 | 1,777 |
| Average equity | $45,460,670 | 1,668 |
| Average total loans | $328,299,000 | 1,462 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2209% | 5,215 |
| Cost of funding earning assets | 0.3791% | 3,212 |
| Net interest margin | 2.8418% | 5,183 |
| Noninterest income to average assets | 0.7157% | 1,890 |
| Noninterest expense to average assets | 2.9453% | 2,311 |
| Loan and lease loss provision to assets | 0.0264% | 3,229 |
| Net operating income to assets | 0.2611% | 5,287 |
| Return on assets (ROA) | 0.2611% | 5,304 |
| Pretax return on assets | 0.4144% | 5,139 |
| Return on Equity (ROE) | 2.1802% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.1802% | 4,272 |
| Net charge-offs to loans | -0.0012% | 3,972 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9810% | 736 |
| Assets per employee ($millions) | 4.2758% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4562% | 5,638 |
| Loan loss allowance to noncurrent loans | 40.8158% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 1,917 |
| Noncurrent loans to loans | 1.1176% | 1,829 |
| Net loans and leases to total assets | 85.4982% | 256 |
| Net loans and leases to deposits | 101.5947% | 513 |
| Net loans and leases to core deposits | 104.8878% | 1,163 |
| Total domestic deposits to total assets | 84.1562% | 3,417 |
| Equity capital to assets | 11.9381% | 1,883 |
| Core capital (leverage) ratio | 12.0601% | 1,589 |
| Tier 1 risk-based capital ratio | 20.0093% | 1,388 |
| Total risk-based capital ratio | 20.6627% | 1,487 |
| Memoranda: | ||
| Average total assets | $378,361,000 | 1,823 |
| Average earning assets | $355,554,000 | 1,799 |
| Average equity | $45,317,000 | 1,673 |
| Average total loans | $325,507,000 | 1,482 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 5,273 |
| Cost of funding earning assets | 0.3958% | 3,040 |
| Net interest margin | 2.8223% | 5,262 |
| Noninterest income to average assets | 0.9911% | 1,172 |
| Noninterest expense to average assets | 2.9722% | 2,431 |
| Loan and lease loss provision to assets | 0.0271% | 3,815 |
| Net operating income to assets | 0.3989% | 4,945 |
| Return on assets (ROA) | 0.3989% | 5,025 |
| Pretax return on assets | 0.6411% | 4,675 |
| Return on Equity (ROE) | 3.3167% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.3167% | 3,555 |
| Net charge-offs to loans | 0.0053% | 4,070 |
| Credit loss provision to net charge-offs | 588.2353% | 582 |
| Earnings coverage of net charge-offs (x) | 145.2353% | 438 |
| Efficiency ratio | 81.6445% | 1,244 |
| Assets per employee ($millions) | 4.3239% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4519% | 5,697 |
| Loan loss allowance to noncurrent loans | 38.5121% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 1,876 |
| Noncurrent loans to loans | 1.1735% | 1,751 |
| Net loans and leases to total assets | 85.7837% | 247 |
| Net loans and leases to deposits | 102.2290% | 521 |
| Net loans and leases to core deposits | 105.5911% | 1,159 |
| Total domestic deposits to total assets | 83.9133% | 3,450 |
| Equity capital to assets | 12.0167% | 1,792 |
| Core capital (leverage) ratio | 12.0901% | 1,546 |
| Tier 1 risk-based capital ratio | 19.9806% | 1,375 |
| Total risk-based capital ratio | 20.6252% | 1,471 |
| Memoranda: | ||
| Average total assets | $369,495,200 | 1,813 |
| Average earning assets | $346,849,400 | 1,794 |
| Average equity | $44,441,200 | 1,674 |
| Average total loans | $318,763,800 | 1,455 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 5,313 |
| Cost of funding earning assets | 0.3934% | 3,086 |
| Net interest margin | 2.8410% | 5,284 |
| Noninterest income to average assets | 0.9508% | 1,253 |
| Noninterest expense to average assets | 2.9680% | 2,406 |
| Loan and lease loss provision to assets | 0.0272% | 3,701 |
| Net operating income to assets | 0.3886% | 5,055 |
| Return on assets (ROA) | 0.3886% | 5,146 |
| Pretax return on assets | 0.6231% | 4,816 |
| Return on Equity (ROE) | 3.2300% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.2300% | 3,978 |
| Net charge-offs to loans | 0.0076% | 3,653 |
| Credit loss provision to net charge-offs | 416.6667% | 815 |
| Earnings coverage of net charge-offs (x) | 99.6642% | 661 |
| Efficiency ratio | 82.0276% | 1,186 |
| Assets per employee ($millions) | 4.3069% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4466% | 5,771 |
| Loan loss allowance to noncurrent loans | 41.2794% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 2,239 |
| Noncurrent loans to loans | 1.0818% | 2,090 |
| Net loans and leases to total assets | 85.6145% | 277 |
| Net loans and leases to deposits | 102.7704% | 519 |
| Net loans and leases to core deposits | 105.9886% | 1,182 |
| Total domestic deposits to total assets | 83.3065% | 3,479 |
| Equity capital to assets | 11.9956% | 2,120 |
| Core capital (leverage) ratio | 12.0688% | 1,629 |
| Tier 1 risk-based capital ratio | 20.0348% | 1,441 |
| Total risk-based capital ratio | 20.6754% | 1,526 |
| Memoranda: | ||
| Average total assets | $367,825,250 | 1,822 |
| Average earning assets | $345,365,750 | 1,804 |
| Average equity | $44,250,500 | 1,690 |
| Average total loans | $317,414,250 | 1,461 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 5,365 |
| Cost of funding earning assets | 0.3924% | 3,125 |
| Net interest margin | 2.8586% | 5,334 |
| Noninterest income to average assets | 0.8503% | 1,544 |
| Noninterest expense to average assets | 2.9973% | 2,357 |
| Loan and lease loss provision to assets | 0.0274% | 3,578 |
| Net operating income to assets | 0.3217% | 5,258 |
| Return on assets (ROA) | 0.3217% | 5,342 |
| Pretax return on assets | 0.5121% | 5,108 |
| Return on Equity (ROE) | 2.6716% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.6716% | 4,199 |
| Net charge-offs to loans | 0.0038% | 3,570 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 164.3333% | 387 |
| Efficiency ratio | 84.7463% | 987 |
| Assets per employee ($millions) | 4.1701% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 5,847 |
| Loan loss allowance to noncurrent loans | 36.8952% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 2,043 |
| Noncurrent loans to loans | 1.2133% | 1,897 |
| Net loans and leases to total assets | 85.4493% | 291 |
| Net loans and leases to deposits | 102.5000% | 536 |
| Net loans and leases to core deposits | 105.5379% | 1,217 |
| Total domestic deposits to total assets | 83.3652% | 3,515 |
| Equity capital to assets | 11.9802% | 2,137 |
| Core capital (leverage) ratio | 12.1031% | 1,557 |
| Tier 1 risk-based capital ratio | 20.0719% | 1,449 |
| Total risk-based capital ratio | 20.7147% | 1,541 |
| Memoranda: | ||
| Average total assets | $365,532,670 | 1,834 |
| Average earning assets | $343,521,330 | 1,811 |
| Average equity | $44,018,000 | 1,700 |
| Average total loans | $315,806,000 | 1,465 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 5,380 |
| Cost of funding earning assets | 0.3910% | 3,176 |
| Net interest margin | 2.8765% | 5,360 |
| Noninterest income to average assets | 0.6903% | 2,086 |
| Noninterest expense to average assets | 3.0270% | 2,306 |
| Loan and lease loss provision to assets | 0.0276% | 3,302 |
| Net operating income to assets | 0.2172% | 5,494 |
| Return on assets (ROA) | 0.2172% | 5,555 |
| Pretax return on assets | 0.3374% | 5,438 |
| Return on Equity (ROE) | 1.7993% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.7993% | 4,543 |
| Net charge-offs to loans | 0.0076% | 2,862 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 55.1667% | 821 |
| Efficiency ratio | 89.2393% | 726 |
| Assets per employee ($millions) | 4.1402% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4417% | 5,915 |
| Loan loss allowance to noncurrent loans | 34.8248% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 2,005 |
| Noncurrent loans to loans | 1.2682% | 1,909 |
| Net loans and leases to total assets | 86.6819% | 182 |
| Net loans and leases to deposits | 103.3994% | 442 |
| Net loans and leases to core deposits | 106.6009% | 1,040 |
| Total domestic deposits to total assets | 83.8321% | 3,584 |
| Equity capital to assets | 12.0689% | 1,978 |
| Core capital (leverage) ratio | 12.1591% | 1,521 |
| Tier 1 risk-based capital ratio | 20.1983% | 1,459 |
| Total risk-based capital ratio | 20.8395% | 1,563 |
| Memoranda: | ||
| Average total assets | $362,730,000 | 1,851 |
| Average earning assets | $340,691,000 | 1,826 |
| Average equity | $43,795,500 | 1,707 |
| Average total loans | $314,428,500 | 1,466 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2803% | 5,380 |
| Cost of funding earning assets | 0.3765% | 3,408 |
| Net interest margin | 2.9038% | 5,335 |
| Noninterest income to average assets | 0.9146% | 1,397 |
| Noninterest expense to average assets | 3.0454% | 2,401 |
| Loan and lease loss provision to assets | 0.0898% | 2,503 |
| Net operating income to assets | 0.3187% | 5,300 |
| Return on assets (ROA) | 0.3187% | 5,385 |
| Pretax return on assets | 0.5066% | 5,097 |
| Return on Equity (ROE) | 2.6668% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.6668% | 4,175 |
| Net charge-offs to loans | 0.0309% | 3,600 |
| Credit loss provision to net charge-offs | 337.5000% | 888 |
| Earnings coverage of net charge-offs (x) | 22.4167% | 1,773 |
| Efficiency ratio | 83.6225% | 1,217 |
| Assets per employee ($millions) | 4.1508% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 5,963 |
| Loan loss allowance to noncurrent loans | 31.5814% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2118% | 1,786 |
| Noncurrent loans to loans | 1.4042% | 1,663 |
| Net loans and leases to total assets | 85.9152% | 238 |
| Net loans and leases to deposits | 102.6739% | 503 |
| Net loans and leases to core deposits | 105.7000% | 1,116 |
| Total domestic deposits to total assets | 83.6777% | 3,596 |
| Equity capital to assets | 12.0788% | 1,899 |
| Core capital (leverage) ratio | 12.1829% | 1,513 |
| Tier 1 risk-based capital ratio | 20.3492% | 1,416 |
| Total risk-based capital ratio | 20.9893% | 1,507 |
| Memoranda: | ||
| Average total assets | $360,805,000 | 1,819 |
| Average earning assets | $338,866,600 | 1,790 |
| Average equity | $43,122,800 | 1,700 |
| Average total loans | $310,387,200 | 1,429 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 5,430 |
| Cost of funding earning assets | 0.3738% | 3,505 |
| Net interest margin | 2.9129% | 5,382 |
| Noninterest income to average assets | 0.9192% | 1,403 |
| Noninterest expense to average assets | 3.0186% | 2,463 |
| Loan and lease loss provision to assets | 0.1076% | 2,080 |
| Net operating income to assets | 0.3319% | 5,367 |
| Return on assets (ROA) | 0.3319% | 5,445 |
| Pretax return on assets | 0.5293% | 5,151 |
| Return on Equity (ROE) | 2.7845% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.7845% | 4,448 |
| Net charge-offs to loans | 0.0404% | 3,081 |
| Credit loss provision to net charge-offs | 309.5745% | 939 |
| Earnings coverage of net charge-offs (x) | 18.3298% | 2,005 |
| Efficiency ratio | 82.5784% | 1,318 |
| Assets per employee ($millions) | 4.0959% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4323% | 6,068 |
| Loan loss allowance to noncurrent loans | 29.8366% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2895% | 1,816 |
| Noncurrent loans to loans | 1.4489% | 1,728 |
| Net loans and leases to total assets | 86.3290% | 211 |
| Net loans and leases to deposits | 103.2357% | 489 |
| Net loans and leases to core deposits | 106.2058% | 1,082 |
| Total domestic deposits to total assets | 83.6232% | 3,563 |
| Equity capital to assets | 12.0638% | 2,055 |
| Core capital (leverage) ratio | 12.0403% | 1,653 |
| Tier 1 risk-based capital ratio | 20.1273% | 1,510 |
| Total risk-based capital ratio | 20.7497% | 1,630 |
| Memoranda: | ||
| Average total assets | $360,726,250 | 1,826 |
| Average earning assets | $338,850,250 | 1,805 |
| Average equity | $42,998,750 | 1,716 |
| Average total loans | $310,074,250 | 1,432 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2950% | 5,445 |
| Cost of funding earning assets | 0.3675% | 3,628 |
| Net interest margin | 2.9275% | 5,391 |
| Noninterest income to average assets | 0.9384% | 1,336 |
| Noninterest expense to average assets | 3.0287% | 2,470 |
| Loan and lease loss provision to assets | 0.1253% | 1,766 |
| Net operating income to assets | 0.3348% | 5,344 |
| Return on assets (ROA) | 0.3348% | 5,447 |
| Pretax return on assets | 0.5354% | 5,133 |
| Return on Equity (ROE) | 2.8200% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.8200% | 4,249 |
| Net charge-offs to loans | 0.0569% | 2,589 |
| Credit loss provision to net charge-offs | 256.8182% | 1,031 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 2,122 |
| Efficiency ratio | 82.0913% | 1,478 |
| Assets per employee ($millions) | 4.2399% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4152% | 6,157 |
| Loan loss allowance to noncurrent loans | 30.1869% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 2,099 |
| Noncurrent loans to loans | 1.3755% | 1,968 |
| Net loans and leases to total assets | 84.9779% | 294 |
| Net loans and leases to deposits | 102.8168% | 511 |
| Net loans and leases to core deposits | 105.7723% | 1,078 |
| Total domestic deposits to total assets | 82.6498% | 4,080 |
| Equity capital to assets | 11.7997% | 2,162 |
| Core capital (leverage) ratio | 11.9446% | 1,693 |
| Tier 1 risk-based capital ratio | 20.0552% | 1,530 |
| Total risk-based capital ratio | 20.6523% | 1,663 |
| Memoranda: | ||
| Average total assets | $360,820,670 | 1,837 |
| Average earning assets | $339,056,000 | 1,811 |
| Average equity | $42,837,330 | 1,726 |
| Average total loans | $309,259,670 | 1,436 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 5,389 |
| Cost of funding earning assets | 0.3631% | 3,717 |
| Net interest margin | 2.9615% | 5,310 |
| Noninterest income to average assets | 0.8693% | 1,501 |
| Noninterest expense to average assets | 2.9979% | 2,590 |
| Loan and lease loss provision to assets | 0.1092% | 1,884 |
| Net operating income to assets | 0.3433% | 5,270 |
| Return on assets (ROA) | 0.3433% | 5,386 |
| Pretax return on assets | 0.5439% | 5,062 |
| Return on Equity (ROE) | 2.8823% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.8823% | 4,236 |
| Net charge-offs to loans | 0.1077% | 1,662 |
| Credit loss provision to net charge-offs | 118.0723% | 1,460 |
| Earnings coverage of net charge-offs (x) | 7.0602% | 2,215 |
| Efficiency ratio | 82.1123% | 1,603 |
| Assets per employee ($millions) | 4.3084% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3771% | 6,254 |
| Loan loss allowance to noncurrent loans | 25.7887% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2857% | 2,072 |
| Noncurrent loans to loans | 1.4624% | 1,944 |
| Net loans and leases to total assets | 85.3295% | 231 |
| Net loans and leases to deposits | 103.3954% | 395 |
| Net loans and leases to core deposits | 106.2100% | 924 |
| Total domestic deposits to total assets | 82.5274% | 4,341 |
| Equity capital to assets | 11.8860% | 2,118 |
| Core capital (leverage) ratio | 12.0004% | 1,639 |
| Tier 1 risk-based capital ratio | 19.9983% | 1,619 |
| Total risk-based capital ratio | 20.5408% | 1,750 |
| Memoranda: | ||
| Average total assets | $358,913,500 | 1,847 |
| Average earning assets | $337,132,000 | 1,824 |
| Average equity | $42,743,000 | 1,740 |
| Average total loans | $308,314,000 | 1,444 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 5,857 |
| Cost of funding earning assets | 0.3766% | 3,948 |
| Net interest margin | 2.8042% | 5,798 |
| Noninterest income to average assets | 0.6000% | 2,858 |
| Noninterest expense to average assets | 3.0815% | 2,591 |
| Loan and lease loss provision to assets | 0.0618% | 3,283 |
| Net operating income to assets | 0.0724% | 5,989 |
| Return on assets (ROA) | 0.0736% | 6,014 |
| Pretax return on assets | 0.1115% | 5,978 |
| Return on Equity (ROE) | 0.6083% | 6,020 |
| Retained earnings to average equity (ytd only) | 0.6083% | 5,499 |
| Net charge-offs to loans | 0.1110% | 2,927 |
| Credit loss provision to net charge-offs | 68.2540% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.8952% | 4,312 |
| Efficiency ratio | 94.7261% | 560 |
| Assets per employee ($millions) | 4.2372% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3763% | 6,336 |
| Loan loss allowance to noncurrent loans | 23.0523% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 1,912 |
| Noncurrent loans to loans | 1.6325% | 1,795 |
| Net loans and leases to total assets | 85.8315% | 218 |
| Net loans and leases to deposits | 104.1980% | 428 |
| Net loans and leases to core deposits | 107.1961% | 944 |
| Total domestic deposits to total assets | 82.3734% | 4,284 |
| Equity capital to assets | 11.9324% | 2,064 |
| Core capital (leverage) ratio | 12.0107% | 1,606 |
| Tier 1 risk-based capital ratio | 19.7590% | 1,649 |
| Total risk-based capital ratio | 20.2919% | 1,798 |
| Memoranda: | ||
| Average total assets | $347,981,400 | 1,871 |
| Average earning assets | $329,223,000 | 1,826 |
| Average equity | $42,087,800 | 1,704 |
| Average total loans | $283,729,800 | 1,498 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 5,977 |
| Cost of funding earning assets | 0.3796% | 4,026 |
| Net interest margin | 2.7552% | 5,930 |
| Noninterest income to average assets | 0.5753% | 3,025 |
| Noninterest expense to average assets | 3.0651% | 2,581 |
| Loan and lease loss provision to assets | 0.0324% | 3,759 |
| Net operating income to assets | 0.0605% | 6,071 |
| Return on assets (ROA) | 0.0620% | 6,099 |
| Pretax return on assets | 0.0925% | 6,068 |
| Return on Equity (ROE) | 0.5112% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.5112% | 5,663 |
| Net charge-offs to loans | 0.1458% | 2,339 |
| Credit loss provision to net charge-offs | 27.6316% | 3,487 |
| Earnings coverage of net charge-offs (x) | 1.0461% | 4,252 |
| Efficiency ratio | 96.1557% | 502 |
| Assets per employee ($millions) | 4.1394% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3417% | 6,445 |
| Loan loss allowance to noncurrent loans | 26.0005% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 2,696 |
| Noncurrent loans to loans | 1.3140% | 2,456 |
| Net loans and leases to total assets | 85.6386% | 213 |
| Net loans and leases to deposits | 101.6503% | 515 |
| Net loans and leases to core deposits | 104.2836% | 1,091 |
| Total domestic deposits to total assets | 84.2482% | 3,660 |
| Equity capital to assets | 11.9979% | 2,058 |
| Core capital (leverage) ratio | 12.1173% | 1,623 |
| Tier 1 risk-based capital ratio | 20.1386% | 1,640 |
| Total risk-based capital ratio | 20.6259% | 1,783 |
| Memoranda: | ||
| Average total assets | $345,996,000 | 1,890 |
| Average earning assets | $328,047,500 | 1,837 |
| Average equity | $41,992,250 | 1,716 |
| Average total loans | $278,000,250 | 1,545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1056% | 6,057 |
| Cost of funding earning assets | 0.3858% | 4,044 |
| Net interest margin | 2.7199% | 6,028 |
| Noninterest income to average assets | 0.5720% | 2,979 |
| Noninterest expense to average assets | 3.1095% | 2,457 |
| Loan and lease loss provision to assets | 0.0157% | 3,946 |
| Net operating income to assets | 0.0250% | 6,162 |
| Return on assets (ROA) | 0.0250% | 6,188 |
| Pretax return on assets | 0.0250% | 6,177 |
| Return on Equity (ROE) | 0.2052% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.2052% | 5,632 |
| Net charge-offs to loans | 0.1890% | 1,899 |
| Credit loss provision to net charge-offs | 10.5882% | 3,296 |
| Earnings coverage of net charge-offs (x) | 0.2745% | 4,081 |
| Efficiency ratio | 98.7082% | 437 |
| Assets per employee ($millions) | 4.0389% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3664% | 6,504 |
| Loan loss allowance to noncurrent loans | 23.5916% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 2,493 |
| Noncurrent loans to loans | 1.5532% | 2,230 |
| Net loans and leases to total assets | 81.2621% | 547 |
| Net loans and leases to deposits | 93.3109% | 1,024 |
| Net loans and leases to core deposits | 95.5683% | 1,640 |
| Total domestic deposits to total assets | 87.0875% | 2,406 |
| Equity capital to assets | 12.2513% | 1,813 |
| Core capital (leverage) ratio | 12.3825% | 1,452 |
| Tier 1 risk-based capital ratio | 21.1151% | 1,427 |
| Total risk-based capital ratio | 21.6319% | 1,565 |
| Memoranda: | ||
| Average total assets | $344,046,330 | 1,900 |
| Average earning assets | $326,116,670 | 1,844 |
| Average equity | $41,918,330 | 1,712 |
| Average total loans | $269,884,330 | 1,577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0495% | 6,184 |
| Cost of funding earning assets | 0.3885% | 4,105 |
| Net interest margin | 2.6610% | 6,155 |
| Noninterest income to average assets | 0.5598% | 2,987 |
| Noninterest expense to average assets | 3.1869% | 2,273 |
| Loan and lease loss provision to assets | 0.0209% | 3,554 |
| Net operating income to assets | -0.0662% | 6,263 |
| Return on assets (ROA) | -0.0662% | 6,270 |
| Pretax return on assets | -0.1266% | 6,300 |
| Return on Equity (ROE) | -0.5448% | 6,262 |
| Retained earnings to average equity (ytd only) | -0.5448% | 5,656 |
| Net charge-offs to loans | 0.3821% | 955 |
| Credit loss provision to net charge-offs | 7.1146% | 2,633 |
| Earnings coverage of net charge-offs (x) | -0.3597% | 3,464 |
| Efficiency ratio | 103.4301% | 391 |
| Assets per employee ($millions) | 3.8870% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3819% | 6,571 |
| Loan loss allowance to noncurrent loans | 22.6545% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 2,621 |
| Noncurrent loans to loans | 1.6857% | 2,302 |
| Net loans and leases to total assets | 76.8387% | 905 |
| Net loans and leases to deposits | 88.0491% | 1,359 |
| Net loans and leases to core deposits | 90.4111% | 1,879 |
| Total domestic deposits to total assets | 87.2680% | 2,654 |
| Equity capital to assets | 12.0969% | 1,811 |
| Core capital (leverage) ratio | 12.2557% | 1,506 |
| Tier 1 risk-based capital ratio | 21.7891% | 1,324 |
| Total risk-based capital ratio | 22.3201% | 1,443 |
| Memoranda: | ||
| Average total assets | $344,414,500 | 1,905 |
| Average earning assets | $326,346,000 | 1,847 |
| Average equity | $41,847,500 | 1,707 |
| Average total loans | $264,823,000 | 1,608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0709% | 6,269 |
| Cost of funding earning assets | 0.4567% | 4,053 |
| Net interest margin | 2.6142% | 6,249 |
| Noninterest income to average assets | 1.4196% | 695 |
| Noninterest expense to average assets | 3.1531% | 2,574 |
| Loan and lease loss provision to assets | 0.0312% | 4,492 |
| Net operating income to assets | 0.4314% | 5,033 |
| Return on assets (ROA) | 0.4253% | 5,170 |
| Pretax return on assets | 0.6997% | 4,543 |
| Return on Equity (ROE) | 3.5307% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.5307% | 3,710 |
| Net charge-offs to loans | 0.0265% | 4,890 |
| Credit loss provision to net charge-offs | 156.5217% | 1,474 |
| Earnings coverage of net charge-offs (x) | 37.1884% | 1,008 |
| Efficiency ratio | 80.9841% | 2,026 |
| Assets per employee ($millions) | 3.8099% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 6,590 |
| Loan loss allowance to noncurrent loans | 28.4708% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2835% | 2,852 |
| Noncurrent loans to loans | 1.6746% | 2,398 |
| Net loans and leases to total assets | 76.2807% | 1,032 |
| Net loans and leases to deposits | 87.5432% | 1,514 |
| Net loans and leases to core deposits | 89.8377% | 2,045 |
| Total domestic deposits to total assets | 87.1349% | 2,653 |
| Equity capital to assets | 12.2042% | 1,679 |
| Core capital (leverage) ratio | 12.3790% | 1,413 |
| Tier 1 risk-based capital ratio | 22.0083% | 1,256 |
| Total risk-based capital ratio | 22.6665% | 1,333 |
| Memoranda: | ||
| Average total assets | $346,576,800 | 1,864 |
| Average earning assets | $327,984,200 | 1,813 |
| Average equity | $41,747,600 | 1,681 |
| Average total loans | $260,017,200 | 1,594 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0732% | 6,347 |
| Cost of funding earning assets | 0.4656% | 4,108 |
| Net interest margin | 2.6076% | 6,304 |
| Noninterest income to average assets | 1.5716% | 594 |
| Noninterest expense to average assets | 3.0933% | 2,678 |
| Loan and lease loss provision to assets | 0.0311% | 4,382 |
| Net operating income to assets | 0.5583% | 4,538 |
| Return on assets (ROA) | 0.5502% | 4,729 |
| Pretax return on assets | 0.9017% | 3,874 |
| Return on Equity (ROE) | 4.5825% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.5825% | 3,412 |
| Net charge-offs to loans | 0.0314% | 4,507 |
| Credit loss provision to net charge-offs | 132.7869% | 1,779 |
| Earnings coverage of net charge-offs (x) | 40.3941% | 999 |
| Efficiency ratio | 76.5913% | 2,631 |
| Assets per employee ($millions) | 3.8005% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 6,673 |
| Loan loss allowance to noncurrent loans | 28.5747% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3095% | 3,031 |
| Noncurrent loans to loans | 1.6722% | 2,681 |
| Net loans and leases to total assets | 74.3753% | 1,236 |
| Net loans and leases to deposits | 85.3469% | 1,697 |
| Net loans and leases to core deposits | 86.9771% | 2,285 |
| Total domestic deposits to total assets | 87.1447% | 2,607 |
| Equity capital to assets | 12.0974% | 1,859 |
| Core capital (leverage) ratio | 12.2628% | 1,541 |
| Tier 1 risk-based capital ratio | 22.2254% | 1,279 |
| Total risk-based capital ratio | 22.8829% | 1,353 |
| Memoranda: | ||
| Average total assets | $347,498,500 | 1,870 |
| Average earning assets | $328,772,250 | 1,819 |
| Average equity | $41,722,750 | 1,693 |
| Average total loans | $259,318,500 | 1,602 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1082% | 6,334 |
| Cost of funding earning assets | 0.4698% | 4,208 |
| Net interest margin | 2.6384% | 6,288 |
| Noninterest income to average assets | 2.0951% | 417 |
| Noninterest expense to average assets | 3.2335% | 2,265 |
| Loan and lease loss provision to assets | 0.0310% | 4,309 |
| Net operating income to assets | 0.8056% | 3,260 |
| Return on assets (ROA) | 0.8056% | 3,413 |
| Pretax return on assets | 1.3251% | 2,211 |
| Return on Equity (ROE) | 6.7268% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.7268% | 2,018 |
| Net charge-offs to loans | 0.0470% | 4,019 |
| Credit loss provision to net charge-offs | 88.5246% | 2,477 |
| Earnings coverage of net charge-offs (x) | 38.6885% | 952 |
| Efficiency ratio | 70.4520% | 3,744 |
| Assets per employee ($millions) | 3.8719% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 6,729 |
| Loan loss allowance to noncurrent loans | 30.5436% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1944% | 3,358 |
| Noncurrent loans to loans | 1.5323% | 3,004 |
| Net loans and leases to total assets | 73.7231% | 1,299 |
| Net loans and leases to deposits | 84.4698% | 1,741 |
| Net loans and leases to core deposits | 85.9202% | 2,339 |
| Total domestic deposits to total assets | 87.2775% | 2,672 |
| Equity capital to assets | 12.0303% | 1,898 |
| Core capital (leverage) ratio | 12.1478% | 1,537 |
| Tier 1 risk-based capital ratio | 22.7217% | 1,179 |
| Total risk-based capital ratio | 23.3692% | 1,242 |
| Memoranda: | ||
| Average total assets | $348,048,000 | 1,875 |
| Average earning assets | $329,069,000 | 1,817 |
| Average equity | $41,684,000 | 1,698 |
| Average total loans | $259,604,000 | 1,602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1463% | 6,356 |
| Cost of funding earning assets | 0.4769% | 4,306 |
| Net interest margin | 2.6694% | 6,272 |
| Noninterest income to average assets | 2.0929% | 409 |
| Noninterest expense to average assets | 3.1371% | 2,554 |
| Loan and lease loss provision to assets | 0.0310% | 4,065 |
| Net operating income to assets | 0.8786% | 2,760 |
| Return on assets (ROA) | 0.8786% | 2,907 |
| Pretax return on assets | 1.4478% | 1,714 |
| Return on Equity (ROE) | 7.3523% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.3523% | 2,000 |
| Net charge-offs to loans | 0.0630% | 3,189 |
| Credit loss provision to net charge-offs | 65.8537% | 2,347 |
| Earnings coverage of net charge-offs (x) | 31.3659% | 944 |
| Efficiency ratio | 67.9621% | 4,315 |
| Assets per employee ($millions) | 3.8567% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4612% | 6,820 |
| Loan loss allowance to noncurrent loans | 28.6020% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 3,550 |
| Noncurrent loans to loans | 1.6126% | 3,121 |
| Net loans and leases to total assets | 74.6689% | 991 |
| Net loans and leases to deposits | 85.6157% | 1,401 |
| Net loans and leases to core deposits | 87.0348% | 2,007 |
| Total domestic deposits to total assets | 87.2140% | 2,824 |
| Equity capital to assets | 12.0798% | 1,986 |
| Core capital (leverage) ratio | 11.9944% | 1,568 |
| Tier 1 risk-based capital ratio | 22.3271% | 1,276 |
| Total risk-based capital ratio | 22.9718% | 1,357 |
| Memoranda: | ||
| Average total assets | $347,837,000 | 1,905 |
| Average earning assets | $328,765,000 | 1,842 |
| Average equity | $41,565,000 | 1,726 |
| Average total loans | $260,350,500 | 1,613 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4058% | 6,479 |
| Cost of funding earning assets | 0.5675% | 4,667 |
| Net interest margin | 2.8383% | 6,338 |
| Noninterest income to average assets | 2.1894% | 385 |
| Noninterest expense to average assets | 3.6052% | 1,597 |
| Loan and lease loss provision to assets | 0.0598% | 5,030 |
| Net operating income to assets | 0.7344% | 3,588 |
| Return on assets (ROA) | 0.7554% | 3,730 |
| Pretax return on assets | 1.2228% | 2,715 |
| Return on Equity (ROE) | 6.5835% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.5835% | 1,774 |
| Net charge-offs to loans | 0.0229% | 5,582 |
| Credit loss provision to net charge-offs | 335.4839% | 724 |
| Earnings coverage of net charge-offs (x) | 70.0806% | 525 |
| Efficiency ratio | 74.2564% | 3,027 |
| Assets per employee ($millions) | 3.9165% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4667% | 6,857 |
| Loan loss allowance to noncurrent loans | 34.8537% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 1.0271% | 3,980 |
| Noncurrent loans to loans | 1.3391% | 3,607 |
| Net loans and leases to total assets | 74.3341% | 1,148 |
| Net loans and leases to deposits | 84.9755% | 1,642 |
| Net loans and leases to core deposits | 86.7410% | 2,226 |
| Total domestic deposits to total assets | 87.4770% | 2,540 |
| Equity capital to assets | 11.8198% | 2,163 |
| Core capital (leverage) ratio | 11.7289% | 1,721 |
| Tier 1 risk-based capital ratio | 22.1336% | 1,240 |
| Total risk-based capital ratio | 22.8008% | 1,321 |
| Memoranda: | ||
| Average total assets | $347,636,400 | 1,860 |
| Average earning assets | $326,503,800 | 1,817 |
| Average equity | $39,887,600 | 1,746 |
| Average total loans | $270,790,000 | 1,535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 6,535 |
| Cost of funding earning assets | 0.5824% | 4,819 |
| Net interest margin | 2.8959% | 6,365 |
| Noninterest income to average assets | 1.8783% | 456 |
| Noninterest expense to average assets | 3.4579% | 1,865 |
| Loan and lease loss provision to assets | 0.0695% | 4,806 |
| Net operating income to assets | 0.6486% | 4,149 |
| Return on assets (ROA) | 0.6486% | 4,408 |
| Pretax return on assets | 1.0666% | 3,475 |
| Return on Equity (ROE) | 5.6959% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.6959% | 2,899 |
| Net charge-offs to loans | 0.0307% | 5,222 |
| Credit loss provision to net charge-offs | 287.3016% | 939 |
| Earnings coverage of net charge-offs (x) | 46.9830% | 785 |
| Efficiency ratio | 75.2715% | 2,782 |
| Assets per employee ($millions) | 3.9082% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4393% | 6,989 |
| Loan loss allowance to noncurrent loans | 47.6707% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 4,613 |
| Noncurrent loans to loans | 0.9215% | 4,591 |
| Net loans and leases to total assets | 77.3453% | 814 |
| Net loans and leases to deposits | 88.4946% | 1,296 |
| Net loans and leases to core deposits | 90.1181% | 1,968 |
| Total domestic deposits to total assets | 87.4012% | 2,422 |
| Equity capital to assets | 11.6466% | 2,596 |
| Core capital (leverage) ratio | 11.4906% | 1,995 |
| Tier 1 risk-based capital ratio | 20.7438% | 1,589 |
| Total risk-based capital ratio | 21.3828% | 1,696 |
| Memoranda: | ||
| Average total assets | $347,403,750 | 1,885 |
| Average earning assets | $325,788,500 | 1,845 |
| Average equity | $39,559,500 | 1,774 |
| Average total loans | $273,407,750 | 1,528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4918% | 6,615 |
| Cost of funding earning assets | 0.5936% | 4,955 |
| Net interest margin | 2.8982% | 6,431 |
| Noninterest income to average assets | 1.7583% | 497 |
| Noninterest expense to average assets | 3.4435% | 1,927 |
| Loan and lease loss provision to assets | 0.0887% | 4,465 |
| Net operating income to assets | 0.5742% | 4,478 |
| Return on assets (ROA) | 0.5742% | 4,752 |
| Pretax return on assets | 0.9422% | 3,911 |
| Return on Equity (ROE) | 5.0812% | 4,771 |
| Retained earnings to average equity (ytd only) | 5.0812% | 3,236 |
| Net charge-offs to loans | 0.0379% | 4,845 |
| Credit loss provision to net charge-offs | 296.1538% | 990 |
| Earnings coverage of net charge-offs (x) | 34.4231% | 979 |
| Efficiency ratio | 76.9597% | 2,599 |
| Assets per employee ($millions) | 4.0118% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4246% | 7,066 |
| Loan loss allowance to noncurrent loans | 45.2962% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 4,572 |
| Noncurrent loans to loans | 0.9374% | 4,637 |
| Net loans and leases to total assets | 78.6099% | 663 |
| Net loans and leases to deposits | 89.5359% | 1,197 |
| Net loans and leases to core deposits | 91.1708% | 1,853 |
| Total domestic deposits to total assets | 87.7970% | 2,285 |
| Equity capital to assets | 11.3793% | 2,710 |
| Core capital (leverage) ratio | 11.2167% | 2,112 |
| Tier 1 risk-based capital ratio | 19.8811% | 1,728 |
| Total risk-based capital ratio | 20.4946% | 1,877 |
| Memoranda: | ||
| Average total assets | $347,263,000 | 1,887 |
| Average earning assets | $325,445,330 | 1,844 |
| Average equity | $39,242,670 | 1,771 |
| Average total loans | $274,472,330 | 1,528 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5245% | 6,667 |
| Cost of funding earning assets | 0.6063% | 5,080 |
| Net interest margin | 2.9181% | 6,460 |
| Noninterest income to average assets | 2.1375% | 366 |
| Noninterest expense to average assets | 3.4286% | 1,939 |
| Loan and lease loss provision to assets | 0.1467% | 3,529 |
| Net operating income to assets | 0.7841% | 3,451 |
| Return on assets (ROA) | 0.7841% | 3,693 |
| Pretax return on assets | 1.2911% | 2,573 |
| Return on Equity (ROE) | 6.9631% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.9631% | 2,453 |
| Net charge-offs to loans | 0.0496% | 4,006 |
| Credit loss provision to net charge-offs | 373.5294% | 835 |
| Earnings coverage of net charge-offs (x) | 36.6176% | 802 |
| Efficiency ratio | 70.4556% | 3,726 |
| Assets per employee ($millions) | 4.0661% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4203% | 7,121 |
| Loan loss allowance to noncurrent loans | 38.8759% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 4,417 |
| Noncurrent loans to loans | 1.0811% | 4,533 |
| Net loans and leases to total assets | 78.7293% | 524 |
| Net loans and leases to deposits | 89.5336% | 1,004 |
| Net loans and leases to core deposits | 91.3360% | 1,717 |
| Total domestic deposits to total assets | 87.9326% | 2,368 |
| Equity capital to assets | 11.2564% | 2,670 |
| Core capital (leverage) ratio | 11.0908% | 2,193 |
| Tier 1 risk-based capital ratio | 19.5838% | 1,815 |
| Total risk-based capital ratio | 20.1902% | 1,963 |
| Memoranda: | ||
| Average total assets | $346,379,500 | 1,900 |
| Average earning assets | $323,908,500 | 1,861 |
| Average equity | $39,005,500 | 1,780 |
| Average total loans | $273,937,500 | 1,537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 6,868 |
| Cost of funding earning assets | 0.7346% | 5,315 |
| Net interest margin | 2.9457% | 6,613 |
| Noninterest income to average assets | 0.9934% | 1,387 |
| Noninterest expense to average assets | 3.2056% | 2,840 |
| Loan and lease loss provision to assets | 0.0630% | 5,821 |
| Net operating income to assets | 0.3004% | 5,249 |
| Return on assets (ROA) | 0.3004% | 5,404 |
| Pretax return on assets | 0.4684% | 5,082 |
| Return on Equity (ROE) | 2.7229% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.7229% | 4,297 |
| Net charge-offs to loans | 0.0937% | 5,404 |
| Credit loss provision to net charge-offs | 88.2114% | 4,091 |
| Earnings coverage of net charge-offs (x) | 7.4350% | 2,337 |
| Efficiency ratio | 85.7798% | 1,588 |
| Assets per employee ($millions) | 3.9892% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3147% | 7,211 |
| Loan loss allowance to noncurrent loans | 31.3050% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 4,430 |
| Noncurrent loans to loans | 1.0051% | 4,695 |
| Net loans and leases to total assets | 78.8619% | 625 |
| Net loans and leases to deposits | 89.8051% | 1,185 |
| Net loans and leases to core deposits | 91.5465% | 1,935 |
| Total domestic deposits to total assets | 87.8145% | 2,270 |
| Equity capital to assets | 11.2656% | 2,726 |
| Core capital (leverage) ratio | 11.1431% | 2,159 |
| Tier 1 risk-based capital ratio | 21.8213% | 1,259 |
| Total risk-based capital ratio | 22.3095% | 1,378 |
| Memoranda: | ||
| Average total assets | $344,180,800 | 1,882 |
| Average earning assets | $320,570,200 | 1,837 |
| Average equity | $37,974,200 | 1,775 |
| Average total loans | $262,659,200 | 1,601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 6,961 |
| Cost of funding earning assets | 0.7553% | 5,433 |
| Net interest margin | 2.9139% | 6,733 |
| Noninterest income to average assets | 0.8651% | 1,775 |
| Noninterest expense to average assets | 3.2781% | 2,566 |
| Loan and lease loss provision to assets | 0.0194% | 6,196 |
| Net operating income to assets | 0.1928% | 5,718 |
| Return on assets (ROA) | 0.1928% | 5,849 |
| Pretax return on assets | 0.2826% | 5,740 |
| Return on Equity (ROE) | 1.7563% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.7563% | 5,266 |
| Net charge-offs to loans | 0.0829% | 5,146 |
| Credit loss provision to net charge-offs | 30.8642% | 5,402 |
| Earnings coverage of net charge-offs (x) | 4.8149% | 2,954 |
| Efficiency ratio | 91.5667% | 1,060 |
| Assets per employee ($millions) | 3.9849% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2773% | 7,299 |
| Loan loss allowance to noncurrent loans | 24.0753% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 4,710 |
| Noncurrent loans to loans | 1.1519% | 4,615 |
| Net loans and leases to total assets | 77.4198% | 782 |
| Net loans and leases to deposits | 87.9689% | 1,439 |
| Net loans and leases to core deposits | 89.7514% | 2,285 |
| Total domestic deposits to total assets | 88.0081% | 2,030 |
| Equity capital to assets | 10.8792% | 3,263 |
| Core capital (leverage) ratio | 10.5785% | 2,782 |
| Tier 1 risk-based capital ratio | 21.1098% | 1,432 |
| Total risk-based capital ratio | 21.5409% | 1,588 |
| Memoranda: | ||
| Average total assets | $344,458,000 | 1,887 |
| Average earning assets | $320,936,750 | 1,846 |
| Average equity | $37,805,500 | 1,786 |
| Average total loans | $260,472,250 | 1,629 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 7,040 |
| Cost of funding earning assets | 0.7760% | 5,532 |
| Net interest margin | 2.8931% | 6,803 |
| Noninterest income to average assets | 1.0322% | 1,243 |
| Noninterest expense to average assets | 3.3331% | 2,459 |
| Loan and lease loss provision to assets | 0.0146% | 6,099 |
| Net operating income to assets | 0.2570% | 5,531 |
| Return on assets (ROA) | 0.2570% | 5,654 |
| Pretax return on assets | 0.3785% | 5,459 |
| Return on Equity (ROE) | 2.3348% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.3348% | 4,798 |
| Net charge-offs to loans | 0.0998% | 4,682 |
| Credit loss provision to net charge-offs | 19.5313% | 5,137 |
| Earnings coverage of net charge-offs (x) | 5.2578% | 2,654 |
| Efficiency ratio | 89.4498% | 1,278 |
| Assets per employee ($millions) | 3.8799% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2959% | 7,351 |
| Loan loss allowance to noncurrent loans | 28.1607% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 5,120 |
| Noncurrent loans to loans | 1.0508% | 4,898 |
| Net loans and leases to total assets | 74.5505% | 1,314 |
| Net loans and leases to deposits | 84.8125% | 1,975 |
| Net loans and leases to core deposits | 86.4447% | 2,836 |
| Total domestic deposits to total assets | 87.9003% | 2,206 |
| Equity capital to assets | 10.9931% | 2,962 |
| Core capital (leverage) ratio | 10.8971% | 2,342 |
| Tier 1 risk-based capital ratio | 22.3572% | 1,203 |
| Total risk-based capital ratio | 22.8116% | 1,294 |
| Memoranda: | ||
| Average total assets | $342,387,330 | 1,906 |
| Average earning assets | $318,832,000 | 1,870 |
| Average equity | $37,690,670 | 1,779 |
| Average total loans | $256,548,670 | 1,671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 7,048 |
| Cost of funding earning assets | 0.8030% | 5,562 |
| Net interest margin | 2.9184% | 6,729 |
| Noninterest income to average assets | 1.1357% | 1,014 |
| Noninterest expense to average assets | 3.3673% | 2,363 |
| Loan and lease loss provision to assets | 0.0070% | 5,792 |
| Net operating income to assets | 0.2968% | 5,427 |
| Return on assets (ROA) | 0.2968% | 5,492 |
| Pretax return on assets | 0.4775% | 5,095 |
| Return on Equity (ROE) | 2.6946% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.6946% | 4,548 |
| Net charge-offs to loans | 0.0422% | 4,522 |
| Credit loss provision to net charge-offs | 22.2222% | 4,233 |
| Earnings coverage of net charge-offs (x) | 15.2963% | 1,326 |
| Efficiency ratio | 87.4200% | 1,581 |
| Assets per employee ($millions) | 3.8718% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3379% | 7,381 |
| Loan loss allowance to noncurrent loans | 41.4789% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,707 |
| Noncurrent loans to loans | 0.8146% | 5,406 |
| Net loans and leases to total assets | 73.3258% | 1,453 |
| Net loans and leases to deposits | 83.5763% | 2,094 |
| Net loans and leases to core deposits | 84.9780% | 3,036 |
| Total domestic deposits to total assets | 87.7352% | 2,532 |
| Equity capital to assets | 11.0451% | 2,640 |
| Core capital (leverage) ratio | 11.0446% | 2,155 |
| Tier 1 risk-based capital ratio | 22.7569% | 1,115 |
| Total risk-based capital ratio | 23.2691% | 1,197 |
| Memoranda: | ||
| Average total assets | $340,927,500 | 1,930 |
| Average earning assets | $317,301,500 | 1,886 |
| Average equity | $37,556,000 | 1,770 |
| Average total loans | $255,727,000 | 1,693 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 7,085 |
| Cost of funding earning assets | 1.0213% | 5,582 |
| Net interest margin | 3.0358% | 6,666 |
| Noninterest income to average assets | 1.4218% | 713 |
| Noninterest expense to average assets | 3.0811% | 3,541 |
| Loan and lease loss provision to assets | 0.0574% | 6,564 |
| Net operating income to assets | 0.6668% | 3,358 |
| Return on assets (ROA) | 0.6668% | 3,502 |
| Pretax return on assets | 1.1023% | 2,571 |
| Return on Equity (ROE) | 6.3759% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.3759% | 1,632 |
| Net charge-offs to loans | 0.0786% | 6,033 |
| Credit loss provision to net charge-offs | 96.1165% | 4,831 |
| Earnings coverage of net charge-offs (x) | 19.4175% | 1,061 |
| Efficiency ratio | 72.6533% | 3,667 |
| Assets per employee ($millions) | 3.8765% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3321% | 7,469 |
| Loan loss allowance to noncurrent loans | 48.2989% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 5,932 |
| Noncurrent loans to loans | 0.6876% | 5,668 |
| Net loans and leases to total assets | 76.1885% | 1,238 |
| Net loans and leases to deposits | 87.0607% | 1,931 |
| Net loans and leases to core deposits | 88.4587% | 2,991 |
| Total domestic deposits to total assets | 87.5119% | 2,540 |
| Equity capital to assets | 10.9866% | 2,697 |
| Core capital (leverage) ratio | 10.7464% | 2,354 |
| Tier 1 risk-based capital ratio | 21.4139% | 1,260 |
| Total risk-based capital ratio | 21.9211% | 1,349 |
| Memoranda: | ||
| Average total assets | $344,907,000 | 1,890 |
| Average earning assets | $320,274,200 | 1,855 |
| Average equity | $36,073,400 | 1,833 |
| Average total loans | $262,016,600 | 1,691 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 7,215 |
| Cost of funding earning assets | 1.0561% | 5,669 |
| Net interest margin | 3.0264% | 6,776 |
| Noninterest income to average assets | 1.0679% | 1,256 |
| Noninterest expense to average assets | 3.0614% | 3,530 |
| Loan and lease loss provision to assets | 0.0686% | 6,382 |
| Net operating income to assets | 0.4557% | 4,516 |
| Return on assets (ROA) | 0.4557% | 4,703 |
| Pretax return on assets | 0.7471% | 4,092 |
| Return on Equity (ROE) | 4.4117% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.4117% | 3,394 |
| Net charge-offs to loans | 0.0905% | 5,619 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 11.8875% | 1,747 |
| Efficiency ratio | 78.9599% | 2,494 |
| Assets per employee ($millions) | 4.0331% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3300% | 7,576 |
| Loan loss allowance to noncurrent loans | 45.6681% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 5,922 |
| Noncurrent loans to loans | 0.7226% | 5,766 |
| Net loans and leases to total assets | 76.1921% | 1,366 |
| Net loans and leases to deposits | 86.8792% | 2,166 |
| Net loans and leases to core deposits | 88.3994% | 3,320 |
| Total domestic deposits to total assets | 87.6989% | 2,159 |
| Equity capital to assets | 10.5620% | 3,456 |
| Core capital (leverage) ratio | 10.1704% | 3,072 |
| Tier 1 risk-based capital ratio | 19.9886% | 1,556 |
| Total risk-based capital ratio | 20.4867% | 1,671 |
| Memoranda: | ||
| Average total assets | $345,850,500 | 1,914 |
| Average earning assets | $321,035,750 | 1,872 |
| Average equity | $35,722,000 | 1,876 |
| Average total loans | $262,328,250 | 1,714 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 7,283 |
| Cost of funding earning assets | 1.0859% | 5,753 |
| Net interest margin | 3.0171% | 6,794 |
| Noninterest income to average assets | 0.8978% | 1,696 |
| Noninterest expense to average assets | 3.0991% | 3,329 |
| Loan and lease loss provision to assets | 0.0654% | 6,296 |
| Net operating income to assets | 0.3288% | 5,071 |
| Return on assets (ROA) | 0.3288% | 5,234 |
| Pretax return on assets | 0.5348% | 4,795 |
| Return on Equity (ROE) | 3.2074% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.2074% | 4,067 |
| Net charge-offs to loans | 0.0865% | 5,276 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 9.1770% | 2,047 |
| Efficiency ratio | 83.7741% | 1,943 |
| Assets per employee ($millions) | 3.8562% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3393% | 7,641 |
| Loan loss allowance to noncurrent loans | 61.6631% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 6,379 |
| Noncurrent loans to loans | 0.5502% | 6,150 |
| Net loans and leases to total assets | 74.0633% | 1,897 |
| Net loans and leases to deposits | 84.3144% | 2,818 |
| Net loans and leases to core deposits | 85.5516% | 3,899 |
| Total domestic deposits to total assets | 87.8419% | 2,081 |
| Equity capital to assets | 10.3397% | 3,594 |
| Core capital (leverage) ratio | 10.1086% | 3,050 |
| Tier 1 risk-based capital ratio | 19.1347% | 1,690 |
| Total risk-based capital ratio | 19.6133% | 1,837 |
| Memoranda: | ||
| Average total assets | $345,518,330 | 1,934 |
| Average earning assets | $320,840,000 | 1,891 |
| Average equity | $35,418,000 | 1,886 |
| Average total loans | $261,389,330 | 1,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 7,310 |
| Cost of funding earning assets | 1.1217% | 5,796 |
| Net interest margin | 3.0353% | 6,751 |
| Noninterest income to average assets | 1.1092% | 1,025 |
| Noninterest expense to average assets | 3.1791% | 2,942 |
| Loan and lease loss provision to assets | 0.1091% | 5,533 |
| Net operating income to assets | 0.3899% | 4,880 |
| Return on assets (ROA) | 0.3899% | 5,022 |
| Pretax return on assets | 0.6405% | 4,447 |
| Return on Equity (ROE) | 3.8199% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,850 |
| Net charge-offs to loans | 0.1520% | 4,021 |
| Credit loss provision to net charge-offs | 94.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | 6.4600% | 2,222 |
| Efficiency ratio | 80.9214% | 2,421 |
| Assets per employee ($millions) | 3.7662% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3353% | 7,731 |
| Loan loss allowance to noncurrent loans | 37.6843% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 5,758 |
| Noncurrent loans to loans | 0.8897% | 5,542 |
| Net loans and leases to total assets | 75.3737% | 1,669 |
| Net loans and leases to deposits | 85.7774% | 2,629 |
| Net loans and leases to core deposits | 86.9072% | 3,769 |
| Total domestic deposits to total assets | 87.8713% | 2,132 |
| Equity capital to assets | 10.3180% | 3,448 |
| Core capital (leverage) ratio | 10.2226% | 2,907 |
| Tier 1 risk-based capital ratio | 18.9035% | 1,741 |
| Total risk-based capital ratio | 19.3731% | 1,888 |
| Memoranda: | ||
| Average total assets | $344,747,000 | 1,989 |
| Average earning assets | $320,227,000 | 1,948 |
| Average equity | $35,184,500 | 1,915 |
| Average total loans | $263,124,000 | 1,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 7,168 |
| Cost of funding earning assets | 1.7930% | 4,024 |
| Net interest margin | 2.8877% | 6,886 |
| Noninterest income to average assets | 1.3046% | 881 |
| Noninterest expense to average assets | 3.1561% | 3,522 |
| Loan and lease loss provision to assets | 0.0439% | 7,117 |
| Net operating income to assets | 0.4720% | 3,850 |
| Return on assets (ROA) | 0.6614% | 3,142 |
| Pretax return on assets | 1.1002% | 2,252 |
| Return on Equity (ROE) | 6.6885% | 2,912 |
| Retained earnings to average equity (ytd only) | 6.6885% | 1,077 |
| Net charge-offs to loans | 0.0279% | 6,855 |
| Credit loss provision to net charge-offs | 194.8052% | 2,036 |
| Earnings coverage of net charge-offs (x) | 37.6104% | 633 |
| Efficiency ratio | 78.8165% | 3,074 |
| Assets per employee ($millions) | 3.8530% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3273% | 7,809 |
| Loan loss allowance to noncurrent loans | 53.3903% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 6,276 |
| Noncurrent loans to loans | 0.6130% | 6,022 |
| Net loans and leases to total assets | 76.7602% | 1,636 |
| Net loans and leases to deposits | 87.3587% | 2,672 |
| Net loans and leases to core deposits | 101.2626% | 3,873 |
| Total domestic deposits to total assets | 87.8678% | 2,030 |
| Equity capital to assets | 10.0951% | 3,624 |
| Core capital (leverage) ratio | 10.0308% | 3,055 |
| Tier 1 risk-based capital ratio | 18.0691% | 1,875 |
| Total risk-based capital ratio | 18.5235% | 2,045 |
| Memoranda: | ||
| Average total assets | $341,407,400 | 1,992 |
| Average earning assets | $319,180,600 | 1,952 |
| Average equity | $33,759,600 | 1,984 |
| Average total loans | $276,009,200 | 1,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 7,098 |
| Cost of funding earning assets | 1.9419% | 3,656 |
| Net interest margin | 2.8705% | 6,919 |
| Noninterest income to average assets | 1.2150% | 1,043 |
| Noninterest expense to average assets | 3.0483% | 3,849 |
| Loan and lease loss provision to assets | 0.0514% | 6,861 |
| Net operating income to assets | 0.4668% | 4,134 |
| Return on assets (ROA) | 0.7202% | 3,204 |
| Pretax return on assets | 1.1993% | 2,263 |
| Return on Equity (ROE) | 7.3227% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.3227% | 1,386 |
| Net charge-offs to loans | 0.0307% | 6,462 |
| Credit loss provision to net charge-offs | 204.6875% | 2,170 |
| Earnings coverage of net charge-offs (x) | 34.0629% | 848 |
| Efficiency ratio | 78.1015% | 3,151 |
| Assets per employee ($millions) | 3.8286% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3266% | 7,889 |
| Loan loss allowance to noncurrent loans | 68.2927% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 5,999 |
| Noncurrent loans to loans | 0.4782% | 6,361 |
| Net loans and leases to total assets | 76.8757% | 1,809 |
| Net loans and leases to deposits | 87.6012% | 3,042 |
| Net loans and leases to core deposits | 101.8463% | 4,173 |
| Total domestic deposits to total assets | 87.7564% | 1,773 |
| Equity capital to assets | 10.0463% | 4,030 |
| Core capital (leverage) ratio | 9.9599% | 3,328 |
| Tier 1 risk-based capital ratio | 17.9487% | 2,007 |
| Total risk-based capital ratio | 18.4031% | 2,178 |
| Memoranda: | ||
| Average total assets | $340,066,500 | 2,019 |
| Average earning assets | $318,449,750 | 1,977 |
| Average equity | $33,447,750 | 2,030 |
| Average total loans | $278,247,500 | 1,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 6,893 |
| Cost of funding earning assets | 2.0418% | 3,563 |
| Net interest margin | 2.9193% | 6,756 |
| Noninterest income to average assets | 1.4603% | 697 |
| Noninterest expense to average assets | 3.0747% | 3,796 |
| Loan and lease loss provision to assets | 0.0951% | 6,216 |
| Net operating income to assets | 0.5887% | 3,724 |
| Return on assets (ROA) | 0.9706% | 2,302 |
| Pretax return on assets | 1.6227% | 1,161 |
| Return on Equity (ROE) | 9.9401% | 2,040 |
| Retained earnings to average equity (ytd only) | 9.9401% | 750 |
| Net charge-offs to loans | 0.0057% | 6,529 |
| Credit loss provision to net charge-offs | 2,012.5000% | 261 |
| Earnings coverage of net charge-offs (x) | 237.2500% | 172 |
| Efficiency ratio | 73.2789% | 4,143 |
| Assets per employee ($millions) | 3.7963% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3331% | 7,967 |
| Loan loss allowance to noncurrent loans | 60.6484% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 6,320 |
| Noncurrent loans to loans | 0.5492% | 6,169 |
| Net loans and leases to total assets | 81.7320% | 998 |
| Net loans and leases to deposits | 92.9170% | 2,289 |
| Net loans and leases to core deposits | 108.3741% | 3,567 |
| Total domestic deposits to total assets | 87.9624% | 1,794 |
| Equity capital to assets | 9.7173% | 4,323 |
| Core capital (leverage) ratio | 9.8030% | 3,516 |
| Tier 1 risk-based capital ratio | 17.0522% | 2,284 |
| Total risk-based capital ratio | 17.5269% | 2,470 |
| Memoranda: | ||
| Average total assets | $338,564,330 | 2,044 |
| Average earning assets | $317,265,330 | 2,006 |
| Average equity | $33,058,000 | 2,055 |
| Average total loans | $282,409,670 | 1,751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 6,529 |
| Cost of funding earning assets | 2.1061% | 3,623 |
| Net interest margin | 3.0324% | 6,396 |
| Noninterest income to average assets | -0.6434% | 8,200 |
| Noninterest expense to average assets | 2.9326% | 4,041 |
| Loan and lease loss provision to assets | 0.0228% | 6,618 |
| Net operating income to assets | -0.4950% | 6,867 |
| Return on assets (ROA) | 0.2809% | 5,538 |
| Pretax return on assets | 0.4550% | 5,229 |
| Return on Equity (ROE) | 2.8696% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.8696% | 4,272 |
| Net charge-offs to loans | 0.1398% | 3,838 |
| Credit loss provision to net charge-offs | 19.3878% | 5,079 |
| Earnings coverage of net charge-offs (x) | -6.2449% | 5,583 |
| Efficiency ratio | 133.4244% | 471 |
| Assets per employee ($millions) | 3.6899% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2605% | 8,062 |
| Loan loss allowance to noncurrent loans | 39.5947% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 5,873 |
| Noncurrent loans to loans | 0.6579% | 5,759 |
| Net loans and leases to total assets | 81.5511% | 1,091 |
| Net loans and leases to deposits | 92.8935% | 2,454 |
| Net loans and leases to core deposits | 107.5988% | 3,732 |
| Total domestic deposits to total assets | 87.7899% | 1,850 |
| Equity capital to assets | 9.5587% | 4,594 |
| Core capital (leverage) ratio | 9.6611% | 3,804 |
| Tier 1 risk-based capital ratio | 16.7936% | 2,409 |
| Total risk-based capital ratio | 17.1634% | 2,663 |
| Memoranda: | ||
| Average total assets | $333,219,000 | 2,092 |
| Average earning assets | $312,230,000 | 2,050 |
| Average equity | $32,618,000 | 2,080 |
| Average total loans | $280,411,000 | 1,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 7,479 |
| Cost of funding earning assets | 2.5759% | 3,818 |
| Net interest margin | 2.8106% | 7,312 |
| Noninterest income to average assets | 0.4583% | 4,977 |
| Noninterest expense to average assets | 2.8625% | 4,561 |
| Loan and lease loss provision to assets | 1.5805% | 837 |
| Net operating income to assets | -1.4931% | 7,462 |
| Return on assets (ROA) | -1.3009% | 7,333 |
| Pretax return on assets | -1.1731% | 7,100 |
| Return on Equity (ROE) | -12.3509% | 7,450 |
| Retained earnings to average equity (ytd only) | -12.3509% | 7,272 |
| Net charge-offs to loans | 0.0658% | 5,835 |
| Credit loss provision to net charge-offs | 2,841.2698% | 170 |
| Earnings coverage of net charge-offs (x) | 3.8677% | 4,199 |
| Efficiency ratio | 93.0095% | 1,325 |
| Assets per employee ($millions) | 3.5540% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2828% | 8,096 |
| Loan loss allowance to noncurrent loans | 50.6321% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 5,761 |
| Noncurrent loans to loans | 0.5585% | 5,690 |
| Net loans and leases to total assets | 86.3867% | 555 |
| Net loans and leases to deposits | 100.7228% | 1,750 |
| Net loans and leases to core deposits | 115.9865% | 3,121 |
| Total domestic deposits to total assets | 85.7667% | 2,510 |
| Equity capital to assets | 10.0276% | 4,005 |
| Core capital (leverage) ratio | 9.9285% | 3,516 |
| Tier 1 risk-based capital ratio | 16.0990% | 2,629 |
| Total risk-based capital ratio | 16.4967% | 2,868 |
| Memoranda: | ||
| Average total assets | $339,770,400 | 1,958 |
| Average earning assets | $316,662,000 | 1,925 |
| Average equity | $35,787,000 | 1,880 |
| Average total loans | $287,330,200 | 1,685 |