Home > Oconee Federal Savings and Loan Association > Performance and Condition Ratios
Oconee Federal Savings and Loan Association, 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 | 3.9058% | 4,078 |
| Cost of funding earning assets | 1.7001% | 1,458 |
| Net interest margin | 2.2056% | 4,314 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.9276% | 3,777 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.2959% | 4,032 |
| Return on assets (ROA) | 0.3013% | 4,021 |
| Pretax return on assets | 0.3775% | 3,995 |
| Return on Equity (ROE) | 2.6000% | 4,085 |
| Retained earnings to average equity (ytd only) | -2.2939% | 4,290 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.2101% | 707 |
| Assets per employee ($millions) | 8.8992% | 1,021 |
| Cash dividends to net income (ytd only)* | 188.3408% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 4,286 |
| Loan loss allowance to noncurrent loans | 250.1551% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,483 |
| Noncurrent loans to loans | 0.2254% | 2,416 |
| Net loans and leases to total assets | 69.4600% | 1,872 |
| Net loans and leases to deposits | 87.6793% | 1,467 |
| Net loans and leases to core deposits | 94.5284% | 1,738 |
| Total domestic deposits to total assets | 79.2200% | 3,578 |
| Equity capital to assets | 11.5130% | 1,282 |
| Core capital (leverage) ratio | 13.4266% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3061% | 331 |
| Memoranda: | ||
| Average total assets | $592,046,200 | 1,498 |
| Average earning assets | $542,431,000 | 1,517 |
| Average equity | $68,704,000 | 1,267 |
| Average total loans | $408,304,800 | 1,450 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 4,046 |
| Cost of funding earning assets | 1.5703% | 1,436 |
| Net interest margin | 2.2964% | 4,304 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.9892% | 3,621 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3168% | 4,095 |
| Return on assets (ROA) | 0.3203% | 4,097 |
| Pretax return on assets | 0.3964% | 4,068 |
| Return on Equity (ROE) | 2.7500% | 4,128 |
| Retained earnings to average equity (ytd only) | -3.8138% | 4,394 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.7665% | 685 |
| Assets per employee ($millions) | 8.2457% | 1,234 |
| Cash dividends to net income (ytd only)* | 238.4670% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5716% | 4,302 |
| Loan loss allowance to noncurrent loans | 192.1348% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 2,210 |
| Noncurrent loans to loans | 0.2975% | 2,170 |
| Net loans and leases to total assets | 70.1400% | 1,810 |
| Net loans and leases to deposits | 87.8114% | 1,405 |
| Net loans and leases to core deposits | 94.8245% | 1,629 |
| Total domestic deposits to total assets | 79.8800% | 3,549 |
| Equity capital to assets | 10.7518% | 1,453 |
| Core capital (leverage) ratio | 13.5728% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4078% | 337 |
| Memoranda: | ||
| Average total assets | $586,547,000 | 1,519 |
| Average earning assets | $536,879,000 | 1,532 |
| Average equity | $68,206,250 | 1,265 |
| Average total loans | $403,143,750 | 1,461 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 4,004 |
| Cost of funding earning assets | 1.4169% | 1,404 |
| Net interest margin | 2.3926% | 4,304 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.0227% | 3,541 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3466% | 4,094 |
| Return on assets (ROA) | 0.3485% | 4,116 |
| Pretax return on assets | 0.4369% | 4,064 |
| Return on Equity (ROE) | 2.9200% | 4,166 |
| Retained earnings to average equity (ytd only) | -6.7237% | 4,467 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.3892% | 752 |
| Assets per employee ($millions) | 7.7482% | 1,442 |
| Cash dividends to net income (ytd only)* | 330.0589% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3605% | 4,456 |
| Loan loss allowance to noncurrent loans | 132.4733% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 2,253 |
| Noncurrent loans to loans | 0.2721% | 2,181 |
| Net loans and leases to total assets | 68.9800% | 1,856 |
| Net loans and leases to deposits | 86.0385% | 1,500 |
| Net loans and leases to core deposits | 94.2413% | 1,553 |
| Total domestic deposits to total assets | 80.1700% | 3,550 |
| Equity capital to assets | 11.4984% | 1,203 |
| Core capital (leverage) ratio | 13.8001% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3182% | 339 |
| Memoranda: | ||
| Average total assets | $584,167,000 | 1,517 |
| Average earning assets | $534,811,000 | 1,542 |
| Average equity | $69,664,333 | 1,242 |
| Average total loans | $397,915,000 | 1,461 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 3,953 |
| Cost of funding earning assets | 1.1776% | 1,510 |
| Net interest margin | 2.5687% | 4,240 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.0590% | 3,478 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4684% | 3,969 |
| Return on assets (ROA) | 0.4706% | 3,918 |
| Pretax return on assets | 0.5973% | 3,846 |
| Return on Equity (ROE) | 3.8700% | 4,059 |
| Retained earnings to average equity (ytd only) | -15.2715% | 4,552 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.2616% | 1,149 |
| Assets per employee ($millions) | 7.4598% | 1,649 |
| Cash dividends to net income (ytd only)* | 494.1176% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3706% | 4,513 |
| Loan loss allowance to noncurrent loans | 151.1675% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,332 |
| Noncurrent loans to loans | 0.2452% | 2,272 |
| Net loans and leases to total assets | 67.9100% | 1,844 |
| Net loans and leases to deposits | 84.1480% | 1,488 |
| Net loans and leases to core deposits | 89.8289% | 1,624 |
| Total domestic deposits to total assets | 80.7100% | 3,676 |
| Equity capital to assets | 11.8447% | 1,046 |
| Core capital (leverage) ratio | 14.0704% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8512% | 317 |
| Memoranda: | ||
| Average total assets | $577,943,000 | 1,558 |
| Average earning assets | $528,518,000 | 1,573 |
| Average equity | $70,196,000 | 1,244 |
| Average total loans | $390,360,500 | 1,499 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 3,197 |
| Cost of funding earning assets | 0.2798% | 3,046 |
| Net interest margin | 3.1747% | 2,945 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.1089% | 3,265 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8753% | 3,063 |
| Return on assets (ROA) | 0.8576% | 3,056 |
| Pretax return on assets | 1.0937% | 2,793 |
| Return on Equity (ROE) | 6.2500% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.2472% | 3,317 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.7320% | 2,398 |
| Assets per employee ($millions) | 7.3579% | 1,716 |
| Cash dividends to net income (ytd only)* | 32.0229% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3797% | 4,510 |
| Loan loss allowance to noncurrent loans | 150.0521% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,243 |
| Noncurrent loans to loans | 0.2530% | 2,253 |
| Net loans and leases to total assets | 66.6400% | 1,965 |
| Net loans and leases to deposits | 82.4626% | 1,585 |
| Net loans and leases to core deposits | 86.4722% | 1,714 |
| Total domestic deposits to total assets | 80.8100% | 3,778 |
| Equity capital to assets | 12.4591% | 814 |
| Core capital (leverage) ratio | 14.9407% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1681% | 261 |
| Memoranda: | ||
| Average total assets | $548,771,000 | 1,611 |
| Average earning assets | $502,845,000 | 1,618 |
| Average equity | $75,320,600 | 1,183 |
| Average total loans | $352,173,200 | 1,538 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4041% | 2,909 |
| Cost of funding earning assets | 0.2022% | 3,247 |
| Net interest margin | 3.2019% | 2,616 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.1274% | 3,144 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8931% | 2,894 |
| Return on assets (ROA) | 0.8720% | 2,965 |
| Pretax return on assets | 1.1263% | 2,639 |
| Return on Equity (ROE) | 6.2000% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.5779% | 3,590 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3208% | 2,502 |
| Assets per employee ($millions) | 7.1569% | 1,836 |
| Cash dividends to net income (ytd only)* | 42.3315% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3843% | 4,551 |
| Loan loss allowance to noncurrent loans | 106.0305% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 1,932 |
| Noncurrent loans to loans | 0.3624% | 1,940 |
| Net loans and leases to total assets | 65.3400% | 1,948 |
| Net loans and leases to deposits | 77.8130% | 1,729 |
| Net loans and leases to core deposits | 80.1491% | 1,891 |
| Total domestic deposits to total assets | 83.9700% | 3,513 |
| Equity capital to assets | 12.2859% | 824 |
| Core capital (leverage) ratio | 15.1442% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6341% | 254 |
| Memoranda: | ||
| Average total assets | $544,323,750 | 1,635 |
| Average earning assets | $499,227,250 | 1,643 |
| Average equity | $76,503,750 | 1,186 |
| Average total loans | $345,468,000 | 1,553 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 2,686 |
| Cost of funding earning assets | 0.1895% | 3,053 |
| Net interest margin | 3.1270% | 2,449 |
| Noninterest income to average assets | 0.3262% | 3,214 |
| Noninterest expense to average assets | 2.1503% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8143% | 2,905 |
| Return on assets (ROA) | 0.8047% | 2,908 |
| Pretax return on assets | 1.0379% | 2,616 |
| Return on Equity (ROE) | 5.4912% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.4912% | 2,519 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8896% | 2,393 |
| Assets per employee ($millions) | 6.9218% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 4,622 |
| Loan loss allowance to noncurrent loans | 64.1591% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 1,474 |
| Noncurrent loans to loans | 0.6045% | 1,400 |
| Net loans and leases to total assets | 62.8948% | 2,026 |
| Net loans and leases to deposits | 74.4521% | 1,813 |
| Net loans and leases to core deposits | 76.9912% | 1,923 |
| Total domestic deposits to total assets | 84.4768% | 3,596 |
| Equity capital to assets | 13.6235% | 568 |
| Core capital (leverage) ratio | 15.3963% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9472% | 208 |
| Memoranda: | ||
| Average total assets | $542,072,333 | 1,649 |
| Average earning assets | $498,234,333 | 1,662 |
| Average equity | $79,436,667 | 1,168 |
| Average total loans | $340,131,333 | 1,563 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 2,552 |
| Cost of funding earning assets | 0.1990% | 2,818 |
| Net interest margin | 3.0457% | 2,346 |
| Noninterest income to average assets | 0.3750% | 2,842 |
| Noninterest expense to average assets | 2.1382% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8049% | 2,641 |
| Return on assets (ROA) | 0.8049% | 2,635 |
| Pretax return on assets | 1.0391% | 2,326 |
| Return on Equity (ROE) | 5.3036% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.3036% | 2,475 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9932% | 2,636 |
| Assets per employee ($millions) | 6.8500% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3984% | 4,647 |
| Loan loss allowance to noncurrent loans | 93.6364% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 2,090 |
| Noncurrent loans to loans | 0.4254% | 1,967 |
| Net loans and leases to total assets | 61.8652% | 1,877 |
| Net loans and leases to deposits | 73.3687% | 1,666 |
| Net loans and leases to core deposits | 76.1691% | 1,771 |
| Total domestic deposits to total assets | 84.3210% | 3,701 |
| Equity capital to assets | 14.5234% | 444 |
| Core capital (leverage) ratio | 15.5537% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7070% | 196 |
| Memoranda: | ||
| Average total assets | $539,695,500 | 1,665 |
| Average earning assets | $496,570,500 | 1,678 |
| Average equity | $81,906,500 | 1,174 |
| Average total loans | $337,565,000 | 1,561 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 3,269 |
| Cost of funding earning assets | 0.2840% | 2,556 |
| Net interest margin | 2.9969% | 3,199 |
| Noninterest income to average assets | 0.3114% | 3,543 |
| Noninterest expense to average assets | 2.1432% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7397% | 3,520 |
| Return on assets (ROA) | 0.7387% | 3,581 |
| Pretax return on assets | 0.9111% | 3,483 |
| Return on Equity (ROE) | 4.6912% | 4,064 |
| Retained earnings to average equity (ytd only) | 0.1900% | 4,442 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7270% | 1,769 |
| Assets per employee ($millions) | 6.7280% | 2,131 |
| Cash dividends to net income (ytd only)* | 95.9507% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3950% | 4,688 |
| Loan loss allowance to noncurrent loans | 76.6457% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 1,943 |
| Noncurrent loans to loans | 0.5153% | 1,834 |
| Net loans and leases to total assets | 62.7355% | 1,855 |
| Net loans and leases to deposits | 75.5559% | 1,603 |
| Net loans and leases to core deposits | 78.9937% | 1,676 |
| Total domestic deposits to total assets | 83.0320% | 3,799 |
| Equity capital to assets | 15.8330% | 398 |
| Core capital (leverage) ratio | 15.3741% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4226% | 213 |
| Memoranda: | ||
| Average total assets | $538,254,400 | 1,603 |
| Average earning assets | $492,883,600 | 1,627 |
| Average equity | $84,754,200 | 1,152 |
| Average total loans | $340,789,400 | 1,554 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 3,553 |
| Cost of funding earning assets | 0.3006% | 2,587 |
| Net interest margin | 2.9262% | 3,490 |
| Noninterest income to average assets | 0.3126% | 3,558 |
| Noninterest expense to average assets | 2.1295% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6670% | 3,848 |
| Return on assets (ROA) | 0.6656% | 3,908 |
| Pretax return on assets | 0.8556% | 3,781 |
| Return on Equity (ROE) | 4.2328% | 4,263 |
| Retained earnings to average equity (ytd only) | -1.7769% | 4,697 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8658% | 1,509 |
| Assets per employee ($millions) | 6.7286% | 2,069 |
| Cash dividends to net income (ytd only)* | 141.9799% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3963% | 4,767 |
| Loan loss allowance to noncurrent loans | 52.6751% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 1,628 |
| Noncurrent loans to loans | 0.7523% | 1,493 |
| Net loans and leases to total assets | 61.7508% | 2,038 |
| Net loans and leases to deposits | 74.1242% | 1,844 |
| Net loans and leases to core deposits | 77.5889% | 1,920 |
| Total domestic deposits to total assets | 83.3073% | 3,632 |
| Equity capital to assets | 15.4852% | 470 |
| Core capital (leverage) ratio | 15.0497% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9935% | 232 |
| Memoranda: | ||
| Average total assets | $538,257,500 | 1,613 |
| Average earning assets | $491,914,750 | 1,640 |
| Average equity | $84,637,750 | 1,171 |
| Average total loans | $341,234,750 | 1,580 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2728% | 3,496 |
| Cost of funding earning assets | 0.3180% | 2,611 |
| Net interest margin | 2.9548% | 3,433 |
| Noninterest income to average assets | 0.3037% | 3,616 |
| Noninterest expense to average assets | 2.1127% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6899% | 3,782 |
| Return on assets (ROA) | 0.7026% | 3,824 |
| Pretax return on assets | 0.9045% | 3,654 |
| Return on Equity (ROE) | 4.4453% | 4,242 |
| Retained earnings to average equity (ytd only) | -4.5610% | 4,780 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9615% | 1,642 |
| Assets per employee ($millions) | 6.9958% | 1,810 |
| Cash dividends to net income (ytd only)* | 202.6022% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3947% | 4,800 |
| Loan loss allowance to noncurrent loans | 48.1481% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 1,638 |
| Noncurrent loans to loans | 0.8197% | 1,501 |
| Net loans and leases to total assets | 61.9259% | 2,187 |
| Net loans and leases to deposits | 75.9641% | 1,824 |
| Net loans and leases to core deposits | 79.4503% | 1,930 |
| Total domestic deposits to total assets | 81.5200% | 4,006 |
| Equity capital to assets | 15.4434% | 473 |
| Core capital (leverage) ratio | 14.9825% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5527% | 238 |
| Memoranda: | ||
| Average total assets | $536,004,667 | 1,609 |
| Average earning assets | $489,298,667 | 1,637 |
| Average equity | $84,718,000 | 1,167 |
| Average total loans | $342,349,333 | 1,587 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 3,472 |
| Cost of funding earning assets | 0.3441% | 2,573 |
| Net interest margin | 2.9463% | 3,389 |
| Noninterest income to average assets | 0.3411% | 3,390 |
| Noninterest expense to average assets | 2.1131% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7250% | 3,648 |
| Return on assets (ROA) | 0.7131% | 3,743 |
| Pretax return on assets | 0.9210% | 3,557 |
| Return on Equity (ROE) | 4.4595% | 4,199 |
| Retained earnings to average equity (ytd only) | -13.5058% | 4,868 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8812% | 1,825 |
| Assets per employee ($millions) | 6.7002% | 1,996 |
| Cash dividends to net income (ytd only)* | 402.8511% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3940% | 4,831 |
| Loan loss allowance to noncurrent loans | 44.8426% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 1,697 |
| Noncurrent loans to loans | 0.8785% | 1,538 |
| Net loans and leases to total assets | 63.1607% | 2,149 |
| Net loans and leases to deposits | 75.8117% | 1,932 |
| Net loans and leases to core deposits | 79.2564% | 2,071 |
| Total domestic deposits to total assets | 83.3126% | 3,613 |
| Equity capital to assets | 15.4373% | 445 |
| Core capital (leverage) ratio | 15.0654% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2419% | 251 |
| Memoranda: | ||
| Average total assets | $531,169,500 | 1,605 |
| Average earning assets | $488,199,500 | 1,622 |
| Average equity | $84,941,500 | 1,148 |
| Average total loans | $343,897,500 | 1,583 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 3,377 |
| Cost of funding earning assets | 0.5718% | 2,497 |
| Net interest margin | 3.2025% | 3,357 |
| Noninterest income to average assets | 0.3016% | 3,668 |
| Noninterest expense to average assets | 2.1485% | 3,829 |
| Loan and lease loss provision to assets | 0.0097% | 4,237 |
| Net operating income to assets | 0.8432% | 2,925 |
| Return on assets (ROA) | 0.8771% | 2,935 |
| Pretax return on assets | 1.1179% | 2,625 |
| Return on Equity (ROE) | 5.2488% | 3,830 |
| Retained earnings to average equity (ytd only) | -0.5625% | 4,597 |
| Net charge-offs to loans | 0.0020% | 3,334 |
| Credit loss provision to net charge-offs | 714.2857% | 985 |
| Earnings coverage of net charge-offs (x) | 797.8571% | 149 |
| Efficiency ratio | 65.9338% | 2,544 |
| Assets per employee ($millions) | 6.5791% | 1,866 |
| Cash dividends to net income (ytd only)* | 110.7174% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3849% | 4,864 |
| Loan loss allowance to noncurrent loans | 50.0561% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 1,921 |
| Noncurrent loans to loans | 0.7689% | 1,788 |
| Net loans and leases to total assets | 65.8465% | 2,115 |
| Net loans and leases to deposits | 80.0949% | 1,856 |
| Net loans and leases to core deposits | 83.9352% | 2,036 |
| Total domestic deposits to total assets | 82.2106% | 3,621 |
| Equity capital to assets | 16.5558% | 378 |
| Core capital (leverage) ratio | 15.8215% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4003% | 224 |
| Memoranda: | ||
| Average total assets | $514,873,000 | 1,506 |
| Average earning assets | $471,321,600 | 1,532 |
| Average equity | $86,038,800 | 1,087 |
| Average total loans | $355,613,000 | 1,494 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,378 |
| Cost of funding earning assets | 0.6297% | 2,433 |
| Net interest margin | 3.2327% | 3,389 |
| Noninterest income to average assets | 0.3167% | 3,594 |
| Noninterest expense to average assets | 2.1556% | 3,795 |
| Loan and lease loss provision to assets | 0.0131% | 4,149 |
| Net operating income to assets | 0.8411% | 2,948 |
| Return on assets (ROA) | 0.8703% | 2,953 |
| Pretax return on assets | 1.1408% | 2,596 |
| Return on Equity (ROE) | 5.1955% | 3,829 |
| Retained earnings to average equity (ytd only) | -2.5775% | 4,744 |
| Net charge-offs to loans | 0.0007% | 3,216 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 2,144.5000% | 47 |
| Efficiency ratio | 65.3537% | 2,540 |
| Assets per employee ($millions) | 6.6940% | 1,675 |
| Cash dividends to net income (ytd only)* | 149.6110% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 4,895 |
| Loan loss allowance to noncurrent loans | 57.0943% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,234 |
| Noncurrent loans to loans | 0.6541% | 2,154 |
| Net loans and leases to total assets | 68.6735% | 2,153 |
| Net loans and leases to deposits | 83.6298% | 1,945 |
| Net loans and leases to core deposits | 87.1953% | 2,214 |
| Total domestic deposits to total assets | 82.1161% | 3,391 |
| Equity capital to assets | 16.4267% | 422 |
| Core capital (leverage) ratio | 15.7348% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9115% | 261 |
| Memoranda: | ||
| Average total assets | $512,010,250 | 1,493 |
| Average earning assets | $468,168,000 | 1,520 |
| Average equity | $85,764,250 | 1,083 |
| Average total loans | $357,540,000 | 1,484 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,532 |
| Cost of funding earning assets | 0.7039% | 2,359 |
| Net interest margin | 3.2262% | 3,593 |
| Noninterest income to average assets | 0.2564% | 3,937 |
| Noninterest expense to average assets | 2.1898% | 3,815 |
| Loan and lease loss provision to assets | 0.0197% | 3,993 |
| Net operating income to assets | 0.7548% | 3,204 |
| Return on assets (ROA) | 0.7868% | 3,199 |
| Pretax return on assets | 1.0341% | 2,915 |
| Return on Equity (ROE) | 4.6664% | 3,931 |
| Retained earnings to average equity (ytd only) | -2.3274% | 4,613 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8247% | 2,257 |
| Assets per employee ($millions) | 6.7200% | 1,615 |
| Cash dividends to net income (ytd only)* | 149.8751% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3783% | 4,917 |
| Loan loss allowance to noncurrent loans | 49.1062% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 2,126 |
| Noncurrent loans to loans | 0.7705% | 1,960 |
| Net loans and leases to total assets | 68.4939% | 2,266 |
| Net loans and leases to deposits | 83.7272% | 2,021 |
| Net loans and leases to core deposits | 87.6128% | 2,288 |
| Total domestic deposits to total assets | 81.8061% | 3,423 |
| Equity capital to assets | 16.7145% | 399 |
| Core capital (leverage) ratio | 16.0507% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1336% | 260 |
| Memoranda: | ||
| Average total assets | $508,636,000 | 1,478 |
| Average earning assets | $464,568,667 | 1,497 |
| Average equity | $85,762,667 | 1,081 |
| Average total loans | $356,749,667 | 1,467 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 3,517 |
| Cost of funding earning assets | 0.8034% | 2,373 |
| Net interest margin | 3.2989% | 3,598 |
| Noninterest income to average assets | 0.2689% | 3,928 |
| Noninterest expense to average assets | 2.2394% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8271% | 2,807 |
| Return on assets (ROA) | 0.8163% | 2,938 |
| Pretax return on assets | 1.0257% | 2,758 |
| Return on Equity (ROE) | 4.8196% | 3,699 |
| Retained earnings to average equity (ytd only) | -9.2271% | 4,737 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7716% | 2,712 |
| Assets per employee ($millions) | 6.7187% | 1,223 |
| Cash dividends to net income (ytd only)* | 291.4480% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3658% | 4,964 |
| Loan loss allowance to noncurrent loans | 33.8028% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 1,649 |
| Noncurrent loans to loans | 1.0823% | 1,535 |
| Net loans and leases to total assets | 70.0434% | 2,253 |
| Net loans and leases to deposits | 85.8544% | 2,019 |
| Net loans and leases to core deposits | 89.8993% | 2,354 |
| Total domestic deposits to total assets | 81.5840% | 3,527 |
| Equity capital to assets | 16.8830% | 457 |
| Core capital (leverage) ratio | 16.1111% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1132% | 280 |
| Memoranda: | ||
| Average total assets | $504,235,500 | 1,455 |
| Average earning assets | $460,034,500 | 1,466 |
| Average equity | $85,400,500 | 1,079 |
| Average total loans | $357,245,000 | 1,429 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 4,089 |
| Cost of funding earning assets | 0.9391% | 2,014 |
| Net interest margin | 3.1397% | 4,306 |
| Noninterest income to average assets | 0.2739% | 4,040 |
| Noninterest expense to average assets | 2.1615% | 4,240 |
| Loan and lease loss provision to assets | 0.0135% | 3,742 |
| Net operating income to assets | 0.8106% | 3,527 |
| Return on assets (ROA) | 0.8315% | 3,538 |
| Pretax return on assets | 0.9924% | 3,478 |
| Return on Equity (ROE) | 5.2124% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.2124% | 2,305 |
| Net charge-offs to loans | 0.0003% | 3,723 |
| Credit loss provision to net charge-offs | 7,000.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 5,072.0000% | 8 |
| Efficiency ratio | 68.1480% | 2,434 |
| Assets per employee ($millions) | 6.7276% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3598% | 5,011 |
| Loan loss allowance to noncurrent loans | 36.8706% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 1,579 |
| Noncurrent loans to loans | 0.9757% | 1,565 |
| Net loans and leases to total assets | 71.1395% | 2,229 |
| Net loans and leases to deposits | 86.2756% | 2,053 |
| Net loans and leases to core deposits | 91.4813% | 2,279 |
| Total domestic deposits to total assets | 82.4561% | 3,377 |
| Equity capital to assets | 16.9902% | 467 |
| Core capital (leverage) ratio | 16.0279% | 518 |
| Tier 1 risk-based capital ratio | 29.9531% | 476 |
| Total risk-based capital ratio | 30.4259% | 497 |
| Memoranda: | ||
| Average total assets | $517,004,800 | 1,383 |
| Average earning assets | $472,373,000 | 1,412 |
| Average equity | $82,476,400 | 1,058 |
| Average total loans | $359,724,400 | 1,384 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 4,221 |
| Cost of funding earning assets | 0.9377% | 2,052 |
| Net interest margin | 3.1325% | 4,427 |
| Noninterest income to average assets | 0.2607% | 4,181 |
| Noninterest expense to average assets | 2.1590% | 4,259 |
| Loan and lease loss provision to assets | 0.0179% | 3,549 |
| Net operating income to assets | 0.7548% | 3,837 |
| Return on assets (ROA) | 0.7911% | 3,774 |
| Pretax return on assets | 0.9910% | 3,620 |
| Return on Equity (ROE) | 5.0384% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.0384% | 2,874 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5001% | 2,341 |
| Assets per employee ($millions) | 6.9866% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3594% | 5,087 |
| Loan loss allowance to noncurrent loans | 33.4192% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 1,564 |
| Noncurrent loans to loans | 1.0754% | 1,476 |
| Net loans and leases to total assets | 68.6243% | 2,689 |
| Net loans and leases to deposits | 85.1027% | 2,309 |
| Net loans and leases to core deposits | 90.5343% | 2,501 |
| Total domestic deposits to total assets | 80.6371% | 3,841 |
| Equity capital to assets | 16.1050% | 613 |
| Core capital (leverage) ratio | 15.4694% | 650 |
| Tier 1 risk-based capital ratio | 29.2462% | 508 |
| Total risk-based capital ratio | 29.7164% | 533 |
| Memoranda: | ||
| Average total assets | $520,114,000 | 1,380 |
| Average earning assets | $475,172,750 | 1,398 |
| Average equity | $81,663,750 | 1,066 |
| Average total loans | $359,594,750 | 1,396 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 4,157 |
| Cost of funding earning assets | 0.9046% | 2,118 |
| Net interest margin | 3.1966% | 4,374 |
| Noninterest income to average assets | 0.2560% | 4,222 |
| Noninterest expense to average assets | 2.2023% | 4,216 |
| Loan and lease loss provision to assets | 0.0270% | 3,281 |
| Net operating income to assets | 0.7749% | 3,732 |
| Return on assets (ROA) | 0.8014% | 3,709 |
| Pretax return on assets | 0.9811% | 3,613 |
| Return on Equity (ROE) | 5.1489% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.1489% | 2,695 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6681% | 2,422 |
| Assets per employee ($millions) | 6.8701% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3602% | 5,140 |
| Loan loss allowance to noncurrent loans | 33.1121% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 1,561 |
| Noncurrent loans to loans | 1.0878% | 1,506 |
| Net loans and leases to total assets | 67.8246% | 2,837 |
| Net loans and leases to deposits | 84.6179% | 2,417 |
| Net loans and leases to core deposits | 89.8694% | 2,613 |
| Total domestic deposits to total assets | 80.1540% | 4,010 |
| Equity capital to assets | 15.6709% | 677 |
| Core capital (leverage) ratio | 15.4641% | 625 |
| Tier 1 risk-based capital ratio | 28.5601% | 537 |
| Total risk-based capital ratio | 29.0259% | 561 |
| Memoranda: | ||
| Average total assets | $518,821,330 | 1,380 |
| Average earning assets | $474,247,000 | 1,402 |
| Average equity | $80,755,330 | 1,070 |
| Average total loans | $359,165,330 | 1,399 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 4,210 |
| Cost of funding earning assets | 0.8716% | 2,142 |
| Net interest margin | 3.1990% | 4,388 |
| Noninterest income to average assets | 0.2787% | 4,015 |
| Noninterest expense to average assets | 2.2323% | 4,179 |
| Loan and lease loss provision to assets | 0.0670% | 2,330 |
| Net operating income to assets | 0.7473% | 3,780 |
| Return on assets (ROA) | 0.7996% | 3,668 |
| Pretax return on assets | 0.9725% | 3,530 |
| Return on Equity (ROE) | 5.1554% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.1554% | 2,837 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9563% | 2,503 |
| Assets per employee ($millions) | 6.4042% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3643% | 5,204 |
| Loan loss allowance to noncurrent loans | 27.5262% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 1,277 |
| Noncurrent loans to loans | 1.3235% | 1,236 |
| Net loans and leases to total assets | 70.0899% | 2,462 |
| Net loans and leases to deposits | 87.6792% | 1,911 |
| Net loans and leases to core deposits | 95.4261% | 1,982 |
| Total domestic deposits to total assets | 79.9390% | 4,186 |
| Equity capital to assets | 15.7831% | 609 |
| Core capital (leverage) ratio | 15.3404% | 626 |
| Tier 1 risk-based capital ratio | 28.3796% | 539 |
| Total risk-based capital ratio | 28.8539% | 574 |
| Memoranda: | ||
| Average total assets | $513,733,000 | 1,403 |
| Average earning assets | $470,398,500 | 1,419 |
| Average equity | $79,683,500 | 1,075 |
| Average total loans | $358,704,000 | 1,410 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 4,171 |
| Cost of funding earning assets | 0.5620% | 2,975 |
| Net interest margin | 3.3871% | 4,029 |
| Noninterest income to average assets | 0.3488% | 3,775 |
| Noninterest expense to average assets | 2.3714% | 3,954 |
| Loan and lease loss provision to assets | 0.0405% | 3,382 |
| Net operating income to assets | 0.8913% | 3,464 |
| Return on assets (ROA) | 0.8883% | 3,465 |
| Pretax return on assets | 1.0186% | 3,544 |
| Return on Equity (ROE) | 5.6229% | 4,281 |
| Retained earnings to average equity (ytd only) | -1.6651% | 5,111 |
| Net charge-offs to loans | 0.0015% | 3,705 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,050.2000% | 103 |
| Efficiency ratio | 68.3460% | 2,486 |
| Assets per employee ($millions) | 6.4391% | 1,244 |
| Cash dividends to net income (ytd only)* | 129.6128% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3437% | 5,260 |
| Loan loss allowance to noncurrent loans | 26.6507% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 1,293 |
| Noncurrent loans to loans | 1.2896% | 1,228 |
| Net loans and leases to total assets | 69.0646% | 2,720 |
| Net loans and leases to deposits | 88.5741% | 1,980 |
| Net loans and leases to core deposits | 96.0173% | 2,062 |
| Total domestic deposits to total assets | 77.9738% | 4,495 |
| Equity capital to assets | 15.2397% | 659 |
| Core capital (leverage) ratio | 15.3649% | 618 |
| Tier 1 risk-based capital ratio | 27.1088% | 608 |
| Total risk-based capital ratio | 27.5494% | 644 |
| Memoranda: | ||
| Average total assets | $494,218,400 | 1,422 |
| Average earning assets | $450,149,200 | 1,447 |
| Average equity | $78,073,200 | 1,053 |
| Average total loans | $332,753,000 | 1,470 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,178 |
| Cost of funding earning assets | 0.5102% | 3,128 |
| Net interest margin | 3.4041% | 3,996 |
| Noninterest income to average assets | 0.3700% | 3,657 |
| Noninterest expense to average assets | 2.4090% | 3,835 |
| Loan and lease loss provision to assets | 0.0338% | 3,340 |
| Net operating income to assets | 0.9165% | 3,452 |
| Return on assets (ROA) | 0.9123% | 3,478 |
| Pretax return on assets | 1.0209% | 3,658 |
| Return on Equity (ROE) | 5.7220% | 4,350 |
| Retained earnings to average equity (ytd only) | -4.0085% | 5,282 |
| Net charge-offs to loans | 0.0020% | 3,418 |
| Credit loss provision to net charge-offs | 2,480.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 776.5922% | 111 |
| Efficiency ratio | 68.7343% | 2,399 |
| Assets per employee ($millions) | 6.2333% | 1,328 |
| Cash dividends to net income (ytd only)* | 170.0539% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 5,335 |
| Loan loss allowance to noncurrent loans | 22.8645% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 1,215 |
| Noncurrent loans to loans | 1.4718% | 1,104 |
| Net loans and leases to total assets | 68.3588% | 2,883 |
| Net loans and leases to deposits | 84.5585% | 2,532 |
| Net loans and leases to core deposits | 90.1519% | 2,650 |
| Total domestic deposits to total assets | 80.8421% | 3,907 |
| Equity capital to assets | 15.2449% | 671 |
| Core capital (leverage) ratio | 15.4356% | 607 |
| Tier 1 risk-based capital ratio | 28.4265% | 546 |
| Total risk-based capital ratio | 28.8727% | 581 |
| Memoranda: | ||
| Average total assets | $488,991,000 | 1,444 |
| Average earning assets | $445,066,250 | 1,467 |
| Average equity | $77,965,500 | 1,049 |
| Average total loans | $326,691,750 | 1,493 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 4,074 |
| Cost of funding earning assets | 0.4718% | 3,211 |
| Net interest margin | 3.4328% | 3,850 |
| Noninterest income to average assets | 0.4092% | 3,426 |
| Noninterest expense to average assets | 2.4608% | 3,742 |
| Loan and lease loss provision to assets | 0.0214% | 3,483 |
| Net operating income to assets | 0.9885% | 3,073 |
| Return on assets (ROA) | 0.9820% | 3,105 |
| Pretax return on assets | 1.0441% | 3,531 |
| Return on Equity (ROE) | 6.0676% | 4,209 |
| Retained earnings to average equity (ytd only) | -8.4082% | 5,391 |
| Net charge-offs to loans | -0.0081% | 4,246 |
| Credit loss provision to net charge-offs | -400.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9350% | 2,500 |
| Assets per employee ($millions) | 6.2772% | 1,277 |
| Cash dividends to net income (ytd only)* | 238.5744% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3347% | 5,404 |
| Loan loss allowance to noncurrent loans | 20.3828% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 1,071 |
| Noncurrent loans to loans | 1.6421% | 978 |
| Net loans and leases to total assets | 66.7166% | 3,049 |
| Net loans and leases to deposits | 82.1582% | 2,753 |
| Net loans and leases to core deposits | 87.4545% | 2,774 |
| Total domestic deposits to total assets | 81.2050% | 3,943 |
| Equity capital to assets | 15.4063% | 608 |
| Core capital (leverage) ratio | 15.5282% | 566 |
| Tier 1 risk-based capital ratio | 29.2972% | 503 |
| Total risk-based capital ratio | 29.7457% | 532 |
| Memoranda: | ||
| Average total assets | $485,768,000 | 1,451 |
| Average earning assets | $442,091,000 | 1,481 |
| Average equity | $78,614,000 | 1,038 |
| Average total loans | $321,579,330 | 1,519 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 3,866 |
| Cost of funding earning assets | 0.4463% | 3,231 |
| Net interest margin | 3.4766% | 3,622 |
| Noninterest income to average assets | 0.3274% | 3,962 |
| Noninterest expense to average assets | 2.4041% | 3,931 |
| Loan and lease loss provision to assets | 0.0165% | 3,319 |
| Net operating income to assets | 1.1467% | 2,234 |
| Return on assets (ROA) | 1.1467% | 2,246 |
| Pretax return on assets | 1.0689% | 3,287 |
| Return on Equity (ROE) | 6.9173% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.9173% | 2,316 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1592% | 2,803 |
| Assets per employee ($millions) | 6.2968% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3291% | 5,472 |
| Loan loss allowance to noncurrent loans | 20.0305% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 1,183 |
| Noncurrent loans to loans | 1.6431% | 1,053 |
| Net loans and leases to total assets | 65.7097% | 3,082 |
| Net loans and leases to deposits | 81.7449% | 2,617 |
| Net loans and leases to core deposits | 86.7981% | 2,735 |
| Total domestic deposits to total assets | 80.3839% | 4,347 |
| Equity capital to assets | 16.5399% | 433 |
| Core capital (leverage) ratio | 16.4036% | 443 |
| Tier 1 risk-based capital ratio | 31.7124% | 415 |
| Total risk-based capital ratio | 32.1492% | 441 |
| Memoranda: | ||
| Average total assets | $483,839,500 | 1,465 |
| Average earning assets | $440,085,000 | 1,493 |
| Average equity | $80,204,500 | 1,030 |
| Average total loans | $318,490,000 | 1,528 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 3,844 |
| Cost of funding earning assets | 0.3440% | 3,765 |
| Net interest margin | 3.5181% | 3,473 |
| Noninterest income to average assets | 0.3412% | 4,027 |
| Noninterest expense to average assets | 2.2421% | 4,450 |
| Loan and lease loss provision to assets | 0.0356% | 3,557 |
| Net operating income to assets | 0.8533% | 2,942 |
| Return on assets (ROA) | 0.8551% | 2,956 |
| Pretax return on assets | 1.2779% | 2,443 |
| Return on Equity (ROE) | 5.1335% | 4,107 |
| Retained earnings to average equity (ytd only) | -0.2984% | 5,083 |
| Net charge-offs to loans | 0.0437% | 2,919 |
| Credit loss provision to net charge-offs | 126.6667% | 2,078 |
| Earnings coverage of net charge-offs (x) | 46.6889% | 1,147 |
| Efficiency ratio | 62.0193% | 3,930 |
| Assets per employee ($millions) | 6.0353% | 1,495 |
| Cash dividends to net income (ytd only)* | 105.8123% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3252% | 5,541 |
| Loan loss allowance to noncurrent loans | 19.2753% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2849% | 1,135 |
| Noncurrent loans to loans | 1.6872% | 972 |
| Net loans and leases to total assets | 65.5102% | 3,159 |
| Net loans and leases to deposits | 83.7336% | 2,522 |
| Net loans and leases to core deposits | 86.5404% | 2,871 |
| Total domestic deposits to total assets | 78.2365% | 4,681 |
| Equity capital to assets | 16.6136% | 438 |
| Core capital (leverage) ratio | 16.3673% | 432 |
| Tier 1 risk-based capital ratio | 31.3490% | 407 |
| Total risk-based capital ratio | 31.7981% | 439 |
| Memoranda: | ||
| Average total assets | $480,880,000 | 1,451 |
| Average earning assets | $438,983,800 | 1,475 |
| Average equity | $80,101,400 | 1,007 |
| Average total loans | $309,147,400 | 1,533 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 3,829 |
| Cost of funding earning assets | 0.3294% | 3,850 |
| Net interest margin | 3.5214% | 3,420 |
| Noninterest income to average assets | 0.3727% | 3,861 |
| Noninterest expense to average assets | 2.1956% | 4,528 |
| Loan and lease loss provision to assets | 0.0450% | 3,200 |
| Net operating income to assets | 1.1274% | 1,961 |
| Return on assets (ROA) | 1.1304% | 2,016 |
| Pretax return on assets | 1.3575% | 2,250 |
| Return on Equity (ROE) | 6.7820% | 3,774 |
| Retained earnings to average equity (ytd only) | -0.4629% | 5,286 |
| Net charge-offs to loans | 0.0582% | 2,294 |
| Credit loss provision to net charge-offs | 120.8955% | 1,997 |
| Earnings coverage of net charge-offs (x) | 37.6124% | 1,362 |
| Efficiency ratio | 59.9722% | 4,222 |
| Assets per employee ($millions) | 6.0215% | 1,476 |
| Cash dividends to net income (ytd only)* | 106.8255% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3273% | 5,605 |
| Loan loss allowance to noncurrent loans | 29.0332% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,842 |
| Noncurrent loans to loans | 1.1273% | 1,708 |
| Net loans and leases to total assets | 65.5562% | 3,168 |
| Net loans and leases to deposits | 81.4363% | 2,837 |
| Net loans and leases to core deposits | 84.0637% | 3,120 |
| Total domestic deposits to total assets | 80.5000% | 4,211 |
| Equity capital to assets | 16.8875% | 442 |
| Core capital (leverage) ratio | 16.2778% | 458 |
| Tier 1 risk-based capital ratio | 31.9294% | 421 |
| Total risk-based capital ratio | 32.3919% | 439 |
| Memoranda: | ||
| Average total assets | $480,393,250 | 1,465 |
| Average earning assets | $439,510,250 | 1,480 |
| Average equity | $80,073,000 | 1,010 |
| Average total loans | $307,101,000 | 1,553 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 3,689 |
| Cost of funding earning assets | 0.3182% | 3,894 |
| Net interest margin | 3.5406% | 3,254 |
| Noninterest income to average assets | 0.4483% | 3,365 |
| Noninterest expense to average assets | 2.1798% | 4,600 |
| Loan and lease loss provision to assets | 0.0482% | 3,029 |
| Net operating income to assets | 1.1025% | 1,959 |
| Return on assets (ROA) | 1.1034% | 2,003 |
| Pretax return on assets | 1.4637% | 1,786 |
| Return on Equity (ROE) | 6.6602% | 3,742 |
| Retained earnings to average equity (ytd only) | -4.2422% | 5,501 |
| Net charge-offs to loans | 0.0629% | 2,027 |
| Credit loss provision to net charge-offs | 120.8333% | 1,768 |
| Earnings coverage of net charge-offs (x) | 37.9063% | 1,292 |
| Efficiency ratio | 57.9865% | 4,591 |
| Assets per employee ($millions) | 6.0178% | 1,453 |
| Cash dividends to net income (ytd only)* | 163.6945% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3301% | 5,653 |
| Loan loss allowance to noncurrent loans | 29.1703% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 1,964 |
| Noncurrent loans to loans | 1.1316% | 1,735 |
| Net loans and leases to total assets | 63.7252% | 3,426 |
| Net loans and leases to deposits | 76.5742% | 3,274 |
| Net loans and leases to core deposits | 78.5282% | 3,549 |
| Total domestic deposits to total assets | 83.2201% | 3,496 |
| Equity capital to assets | 16.3441% | 492 |
| Core capital (leverage) ratio | 15.7996% | 499 |
| Tier 1 risk-based capital ratio | 31.8590% | 410 |
| Total risk-based capital ratio | 32.3171% | 428 |
| Memoranda: | ||
| Average total assets | $481,789,000 | 1,465 |
| Average earning assets | $441,165,670 | 1,480 |
| Average equity | $79,818,000 | 1,015 |
| Average total loans | $305,176,000 | 1,553 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 3,546 |
| Cost of funding earning assets | 0.3081% | 3,960 |
| Net interest margin | 3.5526% | 3,079 |
| Noninterest income to average assets | 0.6688% | 2,096 |
| Noninterest expense to average assets | 1.9451% | 5,159 |
| Loan and lease loss provision to assets | 0.0871% | 2,083 |
| Net operating income to assets | 1.3442% | 1,127 |
| Return on assets (ROA) | 1.3459% | 1,158 |
| Pretax return on assets | 1.8919% | 651 |
| Return on Equity (ROE) | 8.0658% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.0658% | 1,432 |
| Net charge-offs to loans | 0.0448% | 1,944 |
| Credit loss provision to net charge-offs | 308.8235% | 770 |
| Earnings coverage of net charge-offs (x) | 70.0588% | 721 |
| Efficiency ratio | 48.5823% | 5,439 |
| Assets per employee ($millions) | 6.0954% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3485% | 5,721 |
| Loan loss allowance to noncurrent loans | 30.5381% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 2,075 |
| Noncurrent loans to loans | 1.1411% | 1,787 |
| Net loans and leases to total assets | 63.3636% | 3,349 |
| Net loans and leases to deposits | 76.7210% | 3,109 |
| Net loans and leases to core deposits | 78.5692% | 3,429 |
| Total domestic deposits to total assets | 82.5896% | 3,975 |
| Equity capital to assets | 16.9220% | 393 |
| Core capital (leverage) ratio | 16.5053% | 406 |
| Tier 1 risk-based capital ratio | 32.9215% | 381 |
| Total risk-based capital ratio | 33.4013% | 401 |
| Memoranda: | ||
| Average total assets | $482,043,500 | 1,465 |
| Average earning assets | $441,367,500 | 1,481 |
| Average equity | $80,438,000 | 1,013 |
| Average total loans | $303,862,500 | 1,562 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,308 |
| Cost of funding earning assets | 0.2925% | 4,147 |
| Net interest margin | 3.6782% | 2,782 |
| Noninterest income to average assets | 0.3916% | 3,955 |
| Noninterest expense to average assets | 2.0910% | 5,018 |
| Loan and lease loss provision to assets | 0.0242% | 3,877 |
| Net operating income to assets | 1.1896% | 1,542 |
| Return on assets (ROA) | 1.2259% | 1,513 |
| Pretax return on assets | 1.6967% | 1,007 |
| Return on Equity (ROE) | 7.6435% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.6435% | 984 |
| Net charge-offs to loans | 0.0906% | 2,401 |
| Credit loss provision to net charge-offs | 43.6567% | 3,456 |
| Earnings coverage of net charge-offs (x) | 30.1455% | 1,429 |
| Efficiency ratio | 54.8263% | 5,169 |
| Assets per employee ($millions) | 6.0318% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 5,782 |
| Loan loss allowance to noncurrent loans | 23.8620% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 1,858 |
| Noncurrent loans to loans | 1.3842% | 1,475 |
| Net loans and leases to total assets | 62.2822% | 3,572 |
| Net loans and leases to deposits | 75.0512% | 3,405 |
| Net loans and leases to core deposits | 76.9968% | 3,662 |
| Total domestic deposits to total assets | 82.9863% | 3,772 |
| Equity capital to assets | 16.4523% | 440 |
| Core capital (leverage) ratio | 16.0944% | 450 |
| Tier 1 risk-based capital ratio | 32.5730% | 393 |
| Total risk-based capital ratio | 33.0477% | 412 |
| Memoranda: | ||
| Average total assets | $483,633,800 | 1,425 |
| Average earning assets | $443,101,000 | 1,436 |
| Average equity | $77,569,000 | 1,022 |
| Average total loans | $295,742,000 | 1,537 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 3,177 |
| Cost of funding earning assets | 0.2877% | 4,227 |
| Net interest margin | 3.7255% | 2,616 |
| Noninterest income to average assets | 0.3447% | 4,318 |
| Noninterest expense to average assets | 2.1053% | 5,002 |
| Loan and lease loss provision to assets | 0.0256% | 3,732 |
| Net operating income to assets | 1.2006% | 1,647 |
| Return on assets (ROA) | 1.2388% | 1,594 |
| Pretax return on assets | 1.6799% | 1,174 |
| Return on Equity (ROE) | 7.7736% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.7736% | 1,267 |
| Net charge-offs to loans | 0.1214% | 1,744 |
| Credit loss provision to net charge-offs | 34.7015% | 3,191 |
| Earnings coverage of net charge-offs (x) | 22.3995% | 1,760 |
| Efficiency ratio | 55.3430% | 5,122 |
| Assets per employee ($millions) | 6.2253% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3286% | 5,841 |
| Loan loss allowance to noncurrent loans | 19.7160% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 1,748 |
| Noncurrent loans to loans | 1.6666% | 1,272 |
| Net loans and leases to total assets | 60.7204% | 3,778 |
| Net loans and leases to deposits | 73.2002% | 3,675 |
| Net loans and leases to core deposits | 75.1930% | 3,904 |
| Total domestic deposits to total assets | 82.9512% | 3,622 |
| Equity capital to assets | 16.4539% | 494 |
| Core capital (leverage) ratio | 15.7185% | 525 |
| Tier 1 risk-based capital ratio | 30.9568% | 449 |
| Total risk-based capital ratio | 31.3806% | 474 |
| Memoranda: | ||
| Average total assets | $483,905,500 | 1,425 |
| Average earning assets | $443,530,750 | 1,441 |
| Average equity | $77,113,750 | 1,035 |
| Average total loans | $294,293,250 | 1,545 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,100 |
| Cost of funding earning assets | 0.2830% | 4,316 |
| Net interest margin | 3.7572% | 2,488 |
| Noninterest income to average assets | 0.3294% | 4,424 |
| Noninterest expense to average assets | 2.1363% | 4,980 |
| Loan and lease loss provision to assets | -0.0070% | 5,760 |
| Net operating income to assets | 1.2638% | 1,377 |
| Return on assets (ROA) | 1.3017% | 1,373 |
| Pretax return on assets | 1.6940% | 1,106 |
| Return on Equity (ROE) | 8.2577% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.2577% | 1,087 |
| Net charge-offs to loans | 0.1729% | 1,305 |
| Credit loss provision to net charge-offs | -6.6929% | 4,450 |
| Earnings coverage of net charge-offs (x) | 15.5827% | 1,984 |
| Efficiency ratio | 55.9478% | 5,148 |
| Assets per employee ($millions) | 6.0789% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2998% | 5,940 |
| Loan loss allowance to noncurrent loans | 23.2917% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 2,020 |
| Noncurrent loans to loans | 1.2872% | 1,761 |
| Net loans and leases to total assets | 59.9036% | 3,895 |
| Net loans and leases to deposits | 71.8502% | 3,799 |
| Net loans and leases to core deposits | 73.8790% | 3,994 |
| Total domestic deposits to total assets | 83.3729% | 3,511 |
| Equity capital to assets | 16.1936% | 512 |
| Core capital (leverage) ratio | 15.4073% | 540 |
| Tier 1 risk-based capital ratio | 30.6031% | 470 |
| Total risk-based capital ratio | 30.9910% | 498 |
| Memoranda: | ||
| Average total assets | $483,366,000 | 1,430 |
| Average earning assets | $443,145,000 | 1,446 |
| Average equity | $76,196,000 | 1,048 |
| Average total loans | $293,787,000 | 1,549 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,548 |
| Cost of funding earning assets | 0.2735% | 4,462 |
| Net interest margin | 3.9066% | 1,919 |
| Noninterest income to average assets | 0.1851% | 5,393 |
| Noninterest expense to average assets | 2.1938% | 4,916 |
| Loan and lease loss provision to assets | 0.0091% | 3,569 |
| Net operating income to assets | 1.2183% | 1,498 |
| Return on assets (ROA) | 1.2791% | 1,405 |
| Pretax return on assets | 1.6402% | 1,205 |
| Return on Equity (ROE) | 8.2276% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.2276% | 1,363 |
| Net charge-offs to loans | 0.0014% | 3,072 |
| Credit loss provision to net charge-offs | 1,100.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 1,893.0000% | 17 |
| Efficiency ratio | 57.6058% | 5,042 |
| Assets per employee ($millions) | 5.9604% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3963% | 5,956 |
| Loan loss allowance to noncurrent loans | 41.3510% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 2,368 |
| Noncurrent loans to loans | 0.9585% | 2,458 |
| Net loans and leases to total assets | 60.2260% | 3,741 |
| Net loans and leases to deposits | 71.9069% | 3,658 |
| Net loans and leases to core deposits | 73.7856% | 3,920 |
| Total domestic deposits to total assets | 83.7556% | 3,617 |
| Equity capital to assets | 15.7958% | 558 |
| Core capital (leverage) ratio | 15.1629% | 579 |
| Tier 1 risk-based capital ratio | 30.3854% | 490 |
| Total risk-based capital ratio | 30.8907% | 514 |
| Memoranda: | ||
| Average total assets | $481,895,000 | 1,434 |
| Average earning assets | $441,616,000 | 1,447 |
| Average equity | $74,918,500 | 1,065 |
| Average total loans | $294,584,500 | 1,544 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 2,988 |
| Cost of funding earning assets | 0.2832% | 4,441 |
| Net interest margin | 3.7995% | 2,380 |
| Noninterest income to average assets | 0.4822% | 3,449 |
| Noninterest expense to average assets | 2.1312% | 5,192 |
| Loan and lease loss provision to assets | 0.1167% | 2,047 |
| Net operating income to assets | 1.0943% | 1,955 |
| Return on assets (ROA) | 1.1115% | 1,936 |
| Pretax return on assets | 1.7359% | 919 |
| Return on Equity (ROE) | 7.0059% | 3,515 |
| Retained earnings to average equity (ytd only) | -2.0332% | 5,754 |
| Net charge-offs to loans | 0.1039% | 2,364 |
| Credit loss provision to net charge-offs | 172.3077% | 1,566 |
| Earnings coverage of net charge-offs (x) | 26.9569% | 1,563 |
| Efficiency ratio | 53.1178% | 5,579 |
| Assets per employee ($millions) | 5.9398% | 1,426 |
| Cash dividends to net income (ytd only)* | 129.0214% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3697% | 6,016 |
| Loan loss allowance to noncurrent loans | 30.2338% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,885 |
| Noncurrent loans to loans | 1.2229% | 1,928 |
| Net loans and leases to total assets | 61.5529% | 3,619 |
| Net loans and leases to deposits | 73.2328% | 3,587 |
| Net loans and leases to core deposits | 75.1962% | 3,831 |
| Total domestic deposits to total assets | 84.0511% | 3,457 |
| Equity capital to assets | 15.2988% | 628 |
| Core capital (leverage) ratio | 14.7418% | 666 |
| Tier 1 risk-based capital ratio | 29.9578% | 505 |
| Total risk-based capital ratio | 30.4464% | 534 |
| Memoranda: | ||
| Average total assets | $479,870,800 | 1,407 |
| Average earning assets | $438,850,200 | 1,418 |
| Average equity | $76,135,400 | 999 |
| Average total loans | $312,949,800 | 1,414 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,927 |
| Cost of funding earning assets | 0.2840% | 4,517 |
| Net interest margin | 3.8179% | 2,315 |
| Noninterest income to average assets | 0.5269% | 3,188 |
| Noninterest expense to average assets | 2.0885% | 5,298 |
| Loan and lease loss provision to assets | 0.0920% | 2,328 |
| Net operating income to assets | 1.1620% | 1,786 |
| Return on assets (ROA) | 1.1850% | 1,765 |
| Pretax return on assets | 1.8736% | 762 |
| Return on Equity (ROE) | 7.4022% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.4022% | 1,499 |
| Net charge-offs to loans | 0.0774% | 2,453 |
| Credit loss provision to net charge-offs | 179.8913% | 1,469 |
| Earnings coverage of net charge-offs (x) | 37.7224% | 1,303 |
| Efficiency ratio | 51.2420% | 5,704 |
| Assets per employee ($millions) | 5.8598% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3319% | 6,129 |
| Loan loss allowance to noncurrent loans | 30.4243% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 2,227 |
| Noncurrent loans to loans | 1.0909% | 2,301 |
| Net loans and leases to total assets | 64.7621% | 3,190 |
| Net loans and leases to deposits | 78.6256% | 3,032 |
| Net loans and leases to core deposits | 81.1228% | 3,335 |
| Total domestic deposits to total assets | 82.3677% | 4,043 |
| Equity capital to assets | 16.9320% | 439 |
| Core capital (leverage) ratio | 16.1996% | 463 |
| Tier 1 risk-based capital ratio | 32.3304% | 435 |
| Total risk-based capital ratio | 32.7921% | 453 |
| Memoranda: | ||
| Average total assets | $479,557,500 | 1,413 |
| Average earning assets | $438,553,750 | 1,417 |
| Average equity | $76,767,750 | 997 |
| Average total loans | $316,876,000 | 1,402 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,821 |
| Cost of funding earning assets | 0.2863% | 4,548 |
| Net interest margin | 3.8356% | 2,185 |
| Noninterest income to average assets | 0.4061% | 4,040 |
| Noninterest expense to average assets | 2.1505% | 5,224 |
| Loan and lease loss provision to assets | 0.0720% | 2,670 |
| Net operating income to assets | 1.0970% | 1,967 |
| Return on assets (ROA) | 1.1293% | 1,921 |
| Pretax return on assets | 1.7440% | 993 |
| Return on Equity (ROE) | 7.1885% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.1885% | 1,620 |
| Net charge-offs to loans | 0.0262% | 3,156 |
| Credit loss provision to net charge-offs | 414.2857% | 727 |
| Earnings coverage of net charge-offs (x) | 101.5952% | 593 |
| Efficiency ratio | 54.1640% | 5,572 |
| Assets per employee ($millions) | 5.8963% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3219% | 6,205 |
| Loan loss allowance to noncurrent loans | 23.8449% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 1,912 |
| Noncurrent loans to loans | 1.3501% | 1,994 |
| Net loans and leases to total assets | 64.5706% | 3,185 |
| Net loans and leases to deposits | 77.9255% | 3,039 |
| Net loans and leases to core deposits | 80.4675% | 3,338 |
| Total domestic deposits to total assets | 82.8621% | 4,000 |
| Equity capital to assets | 16.1606% | 509 |
| Core capital (leverage) ratio | 15.3902% | 560 |
| Tier 1 risk-based capital ratio | 31.9450% | 461 |
| Total risk-based capital ratio | 32.4061% | 482 |
| Memoranda: | ||
| Average total assets | $483,149,330 | 1,413 |
| Average earning assets | $442,220,670 | 1,416 |
| Average equity | $75,899,000 | 1,014 |
| Average total loans | $320,966,670 | 1,398 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 2,986 |
| Cost of funding earning assets | 0.2904% | 4,546 |
| Net interest margin | 3.7716% | 2,345 |
| Noninterest income to average assets | 0.3029% | 4,759 |
| Noninterest expense to average assets | 2.2180% | 5,101 |
| Loan and lease loss provision to assets | 0.0058% | 3,632 |
| Net operating income to assets | 1.0056% | 2,242 |
| Return on assets (ROA) | 1.0707% | 2,092 |
| Pretax return on assets | 1.6304% | 1,190 |
| Return on Equity (ROE) | 6.9121% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.9121% | 2,045 |
| Net charge-offs to loans | 0.0037% | 3,193 |
| Credit loss provision to net charge-offs | 233.3333% | 955 |
| Earnings coverage of net charge-offs (x) | 622.6667% | 83 |
| Efficiency ratio | 58.0977% | 5,324 |
| Assets per employee ($millions) | 6.1983% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2687% | 6,305 |
| Loan loss allowance to noncurrent loans | 7.5834% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 2.8844% | 673 |
| Noncurrent loans to loans | 3.5438% | 537 |
| Net loans and leases to total assets | 66.6266% | 2,667 |
| Net loans and leases to deposits | 79.8184% | 2,575 |
| Net loans and leases to core deposits | 82.4796% | 2,911 |
| Total domestic deposits to total assets | 83.4728% | 4,014 |
| Equity capital to assets | 15.7923% | 568 |
| Core capital (leverage) ratio | 15.1432% | 589 |
| Tier 1 risk-based capital ratio | 28.3019% | 636 |
| Total risk-based capital ratio | 28.6380% | 668 |
| Memoranda: | ||
| Average total assets | $486,014,500 | 1,402 |
| Average earning assets | $444,902,500 | 1,416 |
| Average equity | $75,288,500 | 1,024 |
| Average total loans | $327,275,500 | 1,368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 4,668 |
| Cost of funding earning assets | 0.3724% | 4,005 |
| Net interest margin | 3.3698% | 4,330 |
| Noninterest income to average assets | 0.1259% | 6,065 |
| Noninterest expense to average assets | 1.6029% | 6,233 |
| Loan and lease loss provision to assets | 0.0197% | 4,223 |
| Net operating income to assets | 1.0758% | 2,070 |
| Return on assets (ROA) | 1.0954% | 2,045 |
| Pretax return on assets | 1.7125% | 963 |
| Return on Equity (ROE) | 5.8482% | 4,231 |
| Retained earnings to average equity (ytd only) | 0.2731% | 5,656 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5072% | 6,167 |
| Assets per employee ($millions) | 6.1070% | 1,306 |
| Cash dividends to net income (ytd only)* | 95.3306% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2606% | 6,395 |
| Loan loss allowance to noncurrent loans | 22.3950% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 1,894 |
| Noncurrent loans to loans | 1.1636% | 2,505 |
| Net loans and leases to total assets | 67.6887% | 2,606 |
| Net loans and leases to deposits | 80.4868% | 2,666 |
| Net loans and leases to core deposits | 83.4658% | 2,957 |
| Total domestic deposits to total assets | 84.0992% | 3,667 |
| Equity capital to assets | 15.1928% | 671 |
| Core capital (leverage) ratio | 15.1906% | 575 |
| Tier 1 risk-based capital ratio | 27.9382% | 619 |
| Total risk-based capital ratio | 28.2920% | 663 |
| Memoranda: | ||
| Average total assets | $385,170,800 | 1,700 |
| Average earning assets | $363,316,200 | 1,654 |
| Average equity | $72,142,200 | 1,016 |
| Average total loans | $249,500,600 | 1,690 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 4,454 |
| Cost of funding earning assets | 0.4010% | 3,777 |
| Net interest margin | 3.4236% | 4,133 |
| Noninterest income to average assets | 0.1024% | 6,243 |
| Noninterest expense to average assets | 1.6152% | 6,271 |
| Loan and lease loss provision to assets | 0.0245% | 3,918 |
| Net operating income to assets | 1.0890% | 2,077 |
| Return on assets (ROA) | 1.1113% | 2,046 |
| Pretax return on assets | 1.7417% | 995 |
| Return on Equity (ROE) | 5.5755% | 4,450 |
| Retained earnings to average equity (ytd only) | -1.9119% | 6,063 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2648% | 6,188 |
| Assets per employee ($millions) | 7.9370% | 541 |
| Cash dividends to net income (ytd only)* | 134.2905% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3653% | 6,429 |
| Loan loss allowance to noncurrent loans | 54.1878% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,017 |
| Noncurrent loans to loans | 0.6742% | 3,924 |
| Net loans and leases to total assets | 65.2121% | 2,995 |
| Net loans and leases to deposits | 82.7612% | 2,328 |
| Net loans and leases to core deposits | 84.9109% | 2,787 |
| Total domestic deposits to total assets | 78.7955% | 5,371 |
| Equity capital to assets | 20.0440% | 232 |
| Core capital (leverage) ratio | 20.1330% | 207 |
| Tier 1 risk-based capital ratio | 42.2451% | 207 |
| Total risk-based capital ratio | 42.7786% | 213 |
| Memoranda: | ||
| Average total assets | $359,323,500 | 1,829 |
| Average earning assets | $340,490,500 | 1,765 |
| Average equity | $71,621,250 | 1,025 |
| Average total loans | $228,984,750 | 1,841 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 4,564 |
| Cost of funding earning assets | 0.4102% | 3,771 |
| Net interest margin | 3.3791% | 4,265 |
| Noninterest income to average assets | 0.1105% | 6,241 |
| Noninterest expense to average assets | 1.6715% | 6,296 |
| Loan and lease loss provision to assets | 0.0367% | 3,558 |
| Net operating income to assets | 1.0299% | 2,203 |
| Return on assets (ROA) | 1.0615% | 2,150 |
| Pretax return on assets | 1.6548% | 1,128 |
| Return on Equity (ROE) | 5.3356% | 4,514 |
| Retained earnings to average equity (ytd only) | -5.8940% | 6,288 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4443% | 6,151 |
| Assets per employee ($millions) | 8.0075% | 493 |
| Cash dividends to net income (ytd only)* | 210.4657% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3700% | 6,503 |
| Loan loss allowance to noncurrent loans | 52.9120% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 4,023 |
| Noncurrent loans to loans | 0.6993% | 3,959 |
| Net loans and leases to total assets | 63.8104% | 3,098 |
| Net loans and leases to deposits | 80.6428% | 2,427 |
| Net loans and leases to core deposits | 82.5748% | 2,906 |
| Total domestic deposits to total assets | 79.1273% | 5,430 |
| Equity capital to assets | 19.5701% | 237 |
| Core capital (leverage) ratio | 19.6067% | 215 |
| Tier 1 risk-based capital ratio | 41.7308% | 211 |
| Total risk-based capital ratio | 42.3130% | 216 |
| Memoranda: | ||
| Average total assets | $360,043,330 | 1,823 |
| Average earning assets | $341,271,670 | 1,760 |
| Average equity | $71,631,670 | 1,014 |
| Average total loans | $227,390,330 | 1,845 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,578 |
| Cost of funding earning assets | 0.4247% | 3,702 |
| Net interest margin | 3.3510% | 4,333 |
| Noninterest income to average assets | 0.1189% | 6,253 |
| Noninterest expense to average assets | 1.6738% | 6,369 |
| Loan and lease loss provision to assets | 0.0456% | 3,187 |
| Net operating income to assets | 1.0072% | 2,189 |
| Return on assets (ROA) | 1.0570% | 2,051 |
| Pretax return on assets | 1.6516% | 1,072 |
| Return on Equity (ROE) | 5.2695% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.2695% | 2,947 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8269% | 6,203 |
| Assets per employee ($millions) | 7.9850% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3663% | 6,578 |
| Loan loss allowance to noncurrent loans | 36.3756% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 3,571 |
| Noncurrent loans to loans | 1.0070% | 3,406 |
| Net loans and leases to total assets | 62.7513% | 3,112 |
| Net loans and leases to deposits | 79.6151% | 2,349 |
| Net loans and leases to core deposits | 81.6357% | 2,772 |
| Total domestic deposits to total assets | 78.8183% | 5,712 |
| Equity capital to assets | 20.3095% | 200 |
| Core capital (leverage) ratio | 20.4483% | 186 |
| Tier 1 risk-based capital ratio | 43.4019% | 191 |
| Total risk-based capital ratio | 43.9686% | 199 |
| Memoranda: | ||
| Average total assets | $359,897,000 | 1,826 |
| Average earning assets | $340,908,500 | 1,766 |
| Average equity | $72,188,500 | 1,008 |
| Average total loans | $225,692,500 | 1,856 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,943 |
| Cost of funding earning assets | 0.5277% | 3,313 |
| Net interest margin | 3.2334% | 4,882 |
| Noninterest income to average assets | 0.0903% | 6,420 |
| Noninterest expense to average assets | 1.4722% | 6,586 |
| Loan and lease loss provision to assets | 0.0613% | 3,916 |
| Net operating income to assets | 1.0518% | 2,112 |
| Return on assets (ROA) | 1.0909% | 2,037 |
| Pretax return on assets | 1.7158% | 916 |
| Return on Equity (ROE) | 5.6248% | 4,313 |
| Retained earnings to average equity (ytd only) | 1.9118% | 4,868 |
| Net charge-offs to loans | 0.1343% | 3,457 |
| Credit loss provision to net charge-offs | 74.3421% | 3,187 |
| Earnings coverage of net charge-offs (x) | 20.8125% | 1,521 |
| Efficiency ratio | 46.1761% | 6,549 |
| Assets per employee ($millions) | 8.0104% | 470 |
| Cash dividends to net income (ytd only)* | 66.0119% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3501% | 6,669 |
| Loan loss allowance to noncurrent loans | 33.0398% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 3,641 |
| Noncurrent loans to loans | 1.0596% | 3,393 |
| Net loans and leases to total assets | 62.2209% | 3,326 |
| Net loans and leases to deposits | 78.4311% | 2,671 |
| Net loans and leases to core deposits | 80.5736% | 3,056 |
| Total domestic deposits to total assets | 79.3319% | 5,596 |
| Equity capital to assets | 19.8075% | 222 |
| Core capital (leverage) ratio | 20.0542% | 198 |
| Tier 1 risk-based capital ratio | 43.0965% | 188 |
| Total risk-based capital ratio | 43.5868% | 195 |
| Memoranda: | ||
| Average total assets | $368,693,600 | 1,767 |
| Average earning assets | $353,255,600 | 1,698 |
| Average equity | $71,504,800 | 995 |
| Average total loans | $226,283,000 | 1,810 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 5,028 |
| Cost of funding earning assets | 0.5474% | 3,289 |
| Net interest margin | 3.2047% | 4,985 |
| Noninterest income to average assets | 0.0849% | 6,526 |
| Noninterest expense to average assets | 1.4313% | 6,676 |
| Loan and lease loss provision to assets | 0.0957% | 3,164 |
| Net operating income to assets | 1.0379% | 2,233 |
| Return on assets (ROA) | 1.0566% | 2,245 |
| Pretax return on assets | 1.6672% | 1,166 |
| Return on Equity (ROE) | 5.4763% | 4,475 |
| Retained earnings to average equity (ytd only) | 0.5275% | 5,757 |
| Net charge-offs to loans | 0.1765% | 2,808 |
| Credit loss provision to net charge-offs | 88.6667% | 2,664 |
| Earnings coverage of net charge-offs (x) | 16.0700% | 1,828 |
| Efficiency ratio | 45.2221% | 6,623 |
| Assets per employee ($millions) | 8.1236% | 444 |
| Cash dividends to net income (ytd only)* | 90.3675% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 6,735 |
| Loan loss allowance to noncurrent loans | 25.9756% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 3,432 |
| Noncurrent loans to loans | 1.4383% | 3,005 |
| Net loans and leases to total assets | 60.6896% | 3,581 |
| Net loans and leases to deposits | 76.2705% | 2,921 |
| Net loans and leases to core deposits | 78.4330% | 3,307 |
| Total domestic deposits to total assets | 79.5715% | 5,617 |
| Equity capital to assets | 19.2917% | 238 |
| Core capital (leverage) ratio | 19.4193% | 219 |
| Tier 1 risk-based capital ratio | 42.1745% | 214 |
| Total risk-based capital ratio | 42.6763% | 221 |
| Memoranda: | ||
| Average total assets | $370,749,750 | 1,772 |
| Average earning assets | $356,346,250 | 1,696 |
| Average equity | $71,531,000 | 1,004 |
| Average total loans | $226,585,000 | 1,813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 4,884 |
| Cost of funding earning assets | 0.5656% | 3,258 |
| Net interest margin | 3.2167% | 4,882 |
| Noninterest income to average assets | 0.0832% | 6,575 |
| Noninterest expense to average assets | 1.4358% | 6,717 |
| Loan and lease loss provision to assets | 0.0988% | 3,143 |
| Net operating income to assets | 1.0396% | 2,153 |
| Return on assets (ROA) | 1.0674% | 2,165 |
| Pretax return on assets | 1.6946% | 1,128 |
| Return on Equity (ROE) | 5.5324% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.5324% | 2,720 |
| Net charge-offs to loans | 0.2633% | 2,151 |
| Credit loss provision to net charge-offs | 61.3333% | 2,992 |
| Earnings coverage of net charge-offs (x) | 10.8633% | 2,112 |
| Efficiency ratio | 45.0699% | 6,677 |
| Assets per employee ($millions) | 8.4070% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3380% | 6,797 |
| Loan loss allowance to noncurrent loans | 37.8597% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 4,185 |
| Noncurrent loans to loans | 0.8927% | 4,141 |
| Net loans and leases to total assets | 59.7887% | 3,695 |
| Net loans and leases to deposits | 75.2311% | 2,983 |
| Net loans and leases to core deposits | 77.2727% | 3,393 |
| Total domestic deposits to total assets | 79.4733% | 5,716 |
| Equity capital to assets | 19.4943% | 231 |
| Core capital (leverage) ratio | 19.6193% | 209 |
| Tier 1 risk-based capital ratio | 43.8295% | 181 |
| Total risk-based capital ratio | 44.2914% | 193 |
| Memoranda: | ||
| Average total assets | $372,479,000 | 1,760 |
| Average earning assets | $359,252,000 | 1,686 |
| Average equity | $71,867,000 | 1,003 |
| Average total loans | $227,883,330 | 1,799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 4,857 |
| Cost of funding earning assets | 0.5861% | 3,248 |
| Net interest margin | 3.2038% | 4,924 |
| Noninterest income to average assets | 0.0931% | 6,601 |
| Noninterest expense to average assets | 1.4201% | 6,797 |
| Loan and lease loss provision to assets | 0.1926% | 1,917 |
| Net operating income to assets | 0.9942% | 2,248 |
| Return on assets (ROA) | 0.9942% | 2,370 |
| Pretax return on assets | 1.5924% | 1,321 |
| Return on Equity (ROE) | 5.1795% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.1795% | 3,125 |
| Net charge-offs to loans | 0.5180% | 1,159 |
| Credit loss provision to net charge-offs | 60.2007% | 2,441 |
| Earnings coverage of net charge-offs (x) | 5.5786% | 2,352 |
| Efficiency ratio | 44.3072% | 6,762 |
| Assets per employee ($millions) | 8.4928% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3285% | 6,885 |
| Loan loss allowance to noncurrent loans | 44.9519% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 4,431 |
| Noncurrent loans to loans | 0.7308% | 4,671 |
| Net loans and leases to total assets | 60.7299% | 3,304 |
| Net loans and leases to deposits | 76.2087% | 2,602 |
| Net loans and leases to core deposits | 78.3152% | 3,016 |
| Total domestic deposits to total assets | 79.6890% | 5,824 |
| Equity capital to assets | 19.3353% | 245 |
| Core capital (leverage) ratio | 19.1737% | 229 |
| Tier 1 risk-based capital ratio | 44.4449% | 172 |
| Total risk-based capital ratio | 44.9141% | 182 |
| Memoranda: | ||
| Average total assets | $373,764,500 | 1,767 |
| Average earning assets | $363,066,000 | 1,682 |
| Average equity | $71,745,000 | 1,014 |
| Average total loans | $230,868,500 | 1,789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 5,259 |
| Cost of funding earning assets | 0.7326% | 3,229 |
| Net interest margin | 3.2813% | 5,315 |
| Noninterest income to average assets | 0.0685% | 6,626 |
| Noninterest expense to average assets | 1.3308% | 6,940 |
| Loan and lease loss provision to assets | 0.0544% | 5,122 |
| Net operating income to assets | 1.1666% | 1,706 |
| Return on assets (ROA) | 1.1890% | 1,803 |
| Pretax return on assets | 1.9091% | 742 |
| Return on Equity (ROE) | 6.0261% | 4,161 |
| Retained earnings to average equity (ytd only) | -3.8111% | 6,344 |
| Net charge-offs to loans | 0.0301% | 5,483 |
| Credit loss provision to net charge-offs | 273.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 96.8400% | 399 |
| Efficiency ratio | 40.8310% | 6,912 |
| Assets per employee ($millions) | 8.4965% | 401 |
| Cash dividends to net income (ytd only)* | 163.2425% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3700% | 6,914 |
| Loan loss allowance to noncurrent loans | 32.1098% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 4,353 |
| Noncurrent loans to loans | 1.1523% | 3,923 |
| Net loans and leases to total assets | 62.3748% | 3,197 |
| Net loans and leases to deposits | 77.9578% | 2,540 |
| Net loans and leases to core deposits | 80.1342% | 2,989 |
| Total domestic deposits to total assets | 80.0110% | 5,662 |
| Equity capital to assets | 19.0552% | 268 |
| Core capital (leverage) ratio | 18.8864% | 239 |
| Tier 1 risk-based capital ratio | 43.4045% | 187 |
| Total risk-based capital ratio | 43.9386% | 189 |
| Memoranda: | ||
| Average total assets | $376,615,600 | 1,731 |
| Average earning assets | $366,225,800 | 1,634 |
| Average equity | $74,310,000 | 954 |
| Average total loans | $248,855,800 | 1,653 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 5,315 |
| Cost of funding earning assets | 0.7623% | 3,254 |
| Net interest margin | 3.3004% | 5,396 |
| Noninterest income to average assets | 0.0784% | 6,699 |
| Noninterest expense to average assets | 1.3290% | 7,030 |
| Loan and lease loss provision to assets | 0.0951% | 4,392 |
| Net operating income to assets | 1.1599% | 1,868 |
| Return on assets (ROA) | 1.1866% | 1,972 |
| Pretax return on assets | 1.9057% | 859 |
| Return on Equity (ROE) | 5.9634% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.9634% | 2,715 |
| Net charge-offs to loans | 0.0396% | 5,095 |
| Credit loss provision to net charge-offs | 358.6667% | 748 |
| Earnings coverage of net charge-offs (x) | 73.9182% | 560 |
| Efficiency ratio | 40.4191% | 7,006 |
| Assets per employee ($millions) | 8.6044% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3801% | 7,023 |
| Loan loss allowance to noncurrent loans | 39.6927% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 4,618 |
| Noncurrent loans to loans | 0.9576% | 4,518 |
| Net loans and leases to total assets | 64.3832% | 2,955 |
| Net loans and leases to deposits | 82.1097% | 2,105 |
| Net loans and leases to core deposits | 84.6399% | 2,625 |
| Total domestic deposits to total assets | 78.4112% | 5,990 |
| Equity capital to assets | 20.4385% | 225 |
| Core capital (leverage) ratio | 20.2348% | 202 |
| Tier 1 risk-based capital ratio | 46.1790% | 164 |
| Total risk-based capital ratio | 46.7411% | 174 |
| Memoranda: | ||
| Average total assets | $377,308,250 | 1,747 |
| Average earning assets | $366,933,250 | 1,647 |
| Average equity | $75,078,250 | 942 |
| Average total loans | $252,557,000 | 1,649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 5,270 |
| Cost of funding earning assets | 0.7935% | 3,244 |
| Net interest margin | 3.3194% | 5,395 |
| Noninterest income to average assets | 0.0143% | 6,961 |
| Noninterest expense to average assets | 1.2879% | 7,109 |
| Loan and lease loss provision to assets | 0.0679% | 4,780 |
| Net operating income to assets | 1.1715% | 1,811 |
| Return on assets (ROA) | 1.2115% | 1,870 |
| Pretax return on assets | 1.9465% | 767 |
| Return on Equity (ROE) | 6.1444% | 4,249 |
| Retained earnings to average equity (ytd only) | 6.1444% | 2,615 |
| Net charge-offs to loans | 0.0063% | 5,401 |
| Credit loss provision to net charge-offs | 1,600.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 459.7500% | 86 |
| Efficiency ratio | 39.7543% | 7,067 |
| Assets per employee ($millions) | 8.5897% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3419% | 7,104 |
| Loan loss allowance to noncurrent loans | 37.4727% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 4,727 |
| Noncurrent loans to loans | 0.9123% | 4,675 |
| Net loans and leases to total assets | 66.1026% | 2,650 |
| Net loans and leases to deposits | 83.8633% | 1,871 |
| Net loans and leases to core deposits | 85.9513% | 2,434 |
| Total domestic deposits to total assets | 78.8218% | 5,990 |
| Equity capital to assets | 20.0634% | 237 |
| Core capital (leverage) ratio | 19.9366% | 210 |
| Tier 1 risk-based capital ratio | 44.7409% | 172 |
| Total risk-based capital ratio | 45.2506% | 177 |
| Memoranda: | ||
| Average total assets | $376,879,670 | 1,752 |
| Average earning assets | $366,212,330 | 1,650 |
| Average equity | $74,311,330 | 945 |
| Average total loans | $255,182,330 | 1,633 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 5,317 |
| Cost of funding earning assets | 0.8385% | 3,162 |
| Net interest margin | 3.3015% | 5,474 |
| Noninterest income to average assets | -0.0340% | 7,126 |
| Noninterest expense to average assets | 1.3254% | 7,158 |
| Loan and lease loss provision to assets | 0.0872% | 4,288 |
| Net operating income to assets | 1.0936% | 2,118 |
| Return on assets (ROA) | 1.1086% | 2,232 |
| Pretax return on assets | 1.7824% | 1,112 |
| Return on Equity (ROE) | 5.6721% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.6721% | 3,156 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7895% | 7,061 |
| Assets per employee ($millions) | 8.5669% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3189% | 7,167 |
| Loan loss allowance to noncurrent loans | 34.7937% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 4,797 |
| Noncurrent loans to loans | 0.9164% | 4,835 |
| Net loans and leases to total assets | 67.8396% | 2,139 |
| Net loans and leases to deposits | 85.5424% | 1,470 |
| Net loans and leases to core deposits | 87.6170% | 2,099 |
| Total domestic deposits to total assets | 79.3052% | 6,013 |
| Equity capital to assets | 19.6819% | 235 |
| Core capital (leverage) ratio | 19.6018% | 215 |
| Tier 1 risk-based capital ratio | 43.4842% | 180 |
| Total risk-based capital ratio | 43.9657% | 187 |
| Memoranda: | ||
| Average total assets | $376,346,500 | 1,761 |
| Average earning assets | $365,410,000 | 1,659 |
| Average equity | $73,552,500 | 945 |
| Average total loans | $257,429,000 | 1,621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 5,984 |
| Cost of funding earning assets | 1.1310% | 2,461 |
| Net interest margin | 3.0955% | 6,358 |
| Noninterest income to average assets | -0.0200% | 7,031 |
| Noninterest expense to average assets | 1.7882% | 6,969 |
| Loan and lease loss provision to assets | 0.0750% | 5,673 |
| Net operating income to assets | 0.6984% | 3,499 |
| Return on assets (ROA) | 0.7086% | 3,630 |
| Pretax return on assets | 1.1314% | 2,720 |
| Return on Equity (ROE) | 3.8304% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.8304% | 3,487 |
| Net charge-offs to loans | 0.1017% | 5,337 |
| Credit loss provision to net charge-offs | 104.4610% | 3,283 |
| Earnings coverage of net charge-offs (x) | 16.5799% | 1,318 |
| Efficiency ratio | 60.0358% | 5,752 |
| Assets per employee ($millions) | 8.5397% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2733% | 7,235 |
| Loan loss allowance to noncurrent loans | 51.7975% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 5,201 |
| Noncurrent loans to loans | 0.5276% | 5,659 |
| Net loans and leases to total assets | 68.5608% | 2,301 |
| Net loans and leases to deposits | 86.0958% | 1,655 |
| Net loans and leases to core deposits | 88.4242% | 2,333 |
| Total domestic deposits to total assets | 79.6332% | 5,837 |
| Equity capital to assets | 19.4053% | 263 |
| Core capital (leverage) ratio | 19.3703% | 227 |
| Tier 1 risk-based capital ratio | 38.3299% | 266 |
| Total risk-based capital ratio | 38.7020% | 275 |
| Memoranda: | ||
| Average total assets | $374,681,200 | 1,737 |
| Average earning assets | $362,945,200 | 1,631 |
| Average equity | $69,313,600 | 971 |
| Average total loans | $264,393,200 | 1,592 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 6,166 |
| Cost of funding earning assets | 1.1938% | 2,359 |
| Net interest margin | 3.0241% | 6,533 |
| Noninterest income to average assets | -0.0249% | 7,136 |
| Noninterest expense to average assets | 1.9080% | 6,840 |
| Loan and lease loss provision to assets | 0.0395% | 5,950 |
| Net operating income to assets | 0.5987% | 4,091 |
| Return on assets (ROA) | 0.6129% | 4,214 |
| Pretax return on assets | 0.9786% | 3,481 |
| Return on Equity (ROE) | 3.3540% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.3540% | 4,339 |
| Net charge-offs to loans | 0.0526% | 5,449 |
| Credit loss provision to net charge-offs | 105.7143% | 3,136 |
| Earnings coverage of net charge-offs (x) | 26.6374% | 1,012 |
| Efficiency ratio | 65.7020% | 4,772 |
| Assets per employee ($millions) | 8.5253% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2639% | 7,305 |
| Loan loss allowance to noncurrent loans | 46.9524% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 4,594 |
| Noncurrent loans to loans | 0.5621% | 5,742 |
| Net loans and leases to total assets | 70.6199% | 1,958 |
| Net loans and leases to deposits | 88.7091% | 1,352 |
| Net loans and leases to core deposits | 90.8077% | 2,146 |
| Total domestic deposits to total assets | 79.6083% | 5,845 |
| Equity capital to assets | 19.1710% | 304 |
| Core capital (leverage) ratio | 19.1315% | 255 |
| Tier 1 risk-based capital ratio | 37.1954% | 298 |
| Total risk-based capital ratio | 37.5591% | 310 |
| Memoranda: | ||
| Average total assets | $374,414,500 | 1,740 |
| Average earning assets | $362,637,000 | 1,637 |
| Average equity | $68,413,250 | 990 |
| Average total loans | $265,911,000 | 1,594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 6,292 |
| Cost of funding earning assets | 1.2583% | 2,198 |
| Net interest margin | 2.9346% | 6,729 |
| Noninterest income to average assets | -0.0134% | 7,213 |
| Noninterest expense to average assets | 2.2091% | 6,360 |
| Loan and lease loss provision to assets | 0.0444% | 5,761 |
| Net operating income to assets | 0.3645% | 5,109 |
| Return on assets (ROA) | 0.3645% | 5,246 |
| Pretax return on assets | 0.5767% | 4,822 |
| Return on Equity (ROE) | 2.0284% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.0284% | 4,965 |
| Net charge-offs to loans | 0.0383% | 5,315 |
| Credit loss provision to net charge-offs | 162.7451% | 1,864 |
| Earnings coverage of net charge-offs (x) | 22.7843% | 1,110 |
| Efficiency ratio | 78.0548% | 2,701 |
| Assets per employee ($millions) | 8.5063% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2737% | 7,363 |
| Loan loss allowance to noncurrent loans | 224.3827% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 5,530 |
| Noncurrent loans to loans | 0.1220% | 6,678 |
| Net loans and leases to total assets | 70.7799% | 2,056 |
| Net loans and leases to deposits | 88.4196% | 1,441 |
| Net loans and leases to core deposits | 90.5042% | 2,305 |
| Total domestic deposits to total assets | 80.0501% | 5,810 |
| Equity capital to assets | 18.9077% | 323 |
| Core capital (leverage) ratio | 18.8824% | 282 |
| Tier 1 risk-based capital ratio | 36.8138% | 305 |
| Total risk-based capital ratio | 37.1927% | 318 |
| Memoranda: | ||
| Average total assets | $374,181,330 | 1,746 |
| Average earning assets | $362,566,000 | 1,650 |
| Average equity | $67,246,670 | 1,003 |
| Average total loans | $266,012,670 | 1,622 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 6,320 |
| Cost of funding earning assets | 1.3460% | 1,914 |
| Net interest margin | 2.8365% | 6,855 |
| Noninterest income to average assets | -0.0011% | 7,316 |
| Noninterest expense to average assets | 3.1197% | 3,181 |
| Loan and lease loss provision to assets | -0.0064% | 7,441 |
| Net operating income to assets | -0.2256% | 6,591 |
| Return on assets (ROA) | -0.2256% | 6,604 |
| Pretax return on assets | -0.3656% | 6,664 |
| Return on Equity (ROE) | -1.2888% | 6,523 |
| Retained earnings to average equity (ytd only) | -1.2888% | 6,045 |
| Net charge-offs to loans | -0.0165% | 6,509 |
| Credit loss provision to net charge-offs | 54.5455% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5409% | 434 |
| Assets per employee ($millions) | 8.3770% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2631% | 7,424 |
| Loan loss allowance to noncurrent loans | 22.5257% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 4,364 |
| Noncurrent loans to loans | 1.1681% | 4,750 |
| Net loans and leases to total assets | 70.4857% | 2,039 |
| Net loans and leases to deposits | 87.5516% | 1,510 |
| Net loans and leases to core deposits | 89.4202% | 2,422 |
| Total domestic deposits to total assets | 80.5076% | 5,814 |
| Equity capital to assets | 18.4931% | 330 |
| Core capital (leverage) ratio | 18.4921% | 301 |
| Tier 1 risk-based capital ratio | 41.3785% | 216 |
| Total risk-based capital ratio | 41.7946% | 225 |
| Memoranda: | ||
| Average total assets | $374,133,500 | 1,761 |
| Average earning assets | $362,559,000 | 1,658 |
| Average equity | $65,486,500 | 1,018 |
| Average total loans | $266,199,000 | 1,634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 6,077 |
| Cost of funding earning assets | 1.6850% | 1,663 |
| Net interest margin | 2.9260% | 6,860 |
| Noninterest income to average assets | 0.0394% | 7,157 |
| Noninterest expense to average assets | 1.3416% | 7,510 |
| Loan and lease loss provision to assets | 0.2432% | 4,859 |
| Net operating income to assets | 0.8360% | 2,644 |
| Return on assets (ROA) | 0.8267% | 2,826 |
| Pretax return on assets | 1.2795% | 1,989 |
| Return on Equity (ROE) | 4.7023% | 4,202 |
| Retained earnings to average equity (ytd only) | 4.7023% | 2,607 |
| Net charge-offs to loans | 0.1410% | 5,514 |
| Credit loss provision to net charge-offs | 221.7158% | 1,350 |
| Earnings coverage of net charge-offs (x) | 14.0134% | 1,375 |
| Efficiency ratio | 46.6033% | 7,334 |
| Assets per employee ($millions) | 8.4387% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 7,500 |
| Loan loss allowance to noncurrent loans | 19.5238% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3385% | 4,341 |
| Noncurrent loans to loans | 1.3421% | 4,472 |
| Net loans and leases to total assets | 71.4495% | 2,208 |
| Net loans and leases to deposits | 86.0250% | 2,093 |
| Net loans and leases to core deposits | 87.9313% | 3,067 |
| Total domestic deposits to total assets | 83.0567% | 4,772 |
| Equity capital to assets | 16.4989% | 512 |
| Core capital (leverage) ratio | 16.4989% | 450 |
| Tier 1 risk-based capital ratio | 36.6995% | 303 |
| Total risk-based capital ratio | 37.1170% | 315 |
| Memoranda: | ||
| Average total assets | $340,046,600 | 1,921 |
| Average earning assets | $329,974,400 | 1,808 |
| Average equity | $59,779,400 | 1,113 |
| Average total loans | $264,600,000 | 1,676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 5,965 |
| Cost of funding earning assets | 1.7486% | 1,632 |
| Net interest margin | 2.9659% | 6,901 |
| Noninterest income to average assets | 0.0630% | 7,210 |
| Noninterest expense to average assets | 1.3444% | 7,615 |
| Loan and lease loss provision to assets | 0.3383% | 3,898 |
| Net operating income to assets | 0.8252% | 2,895 |
| Return on assets (ROA) | 0.8123% | 3,093 |
| Pretax return on assets | 1.2393% | 2,363 |
| Return on Equity (ROE) | 4.5424% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.5424% | 3,316 |
| Net charge-offs to loans | 0.1953% | 4,777 |
| Credit loss provision to net charge-offs | 217.8295% | 1,590 |
| Earnings coverage of net charge-offs (x) | 10.2842% | 1,901 |
| Efficiency ratio | 45.7026% | 7,393 |
| Assets per employee ($millions) | 7.6840% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2626% | 7,613 |
| Loan loss allowance to noncurrent loans | 14.2478% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5738% | 4,082 |
| Noncurrent loans to loans | 1.8428% | 3,874 |
| Net loans and leases to total assets | 76.6800% | 1,284 |
| Net loans and leases to deposits | 93.4860% | 1,265 |
| Net loans and leases to core deposits | 95.7963% | 2,291 |
| Total domestic deposits to total assets | 82.0230% | 4,980 |
| Equity capital to assets | 17.4892% | 467 |
| Core capital (leverage) ratio | 17.4892% | 388 |
| Tier 1 risk-based capital ratio | 37.4329% | 298 |
| Total risk-based capital ratio | 37.8650% | 308 |
| Memoranda: | ||
| Average total assets | $332,232,250 | 1,984 |
| Average earning assets | $322,460,000 | 1,866 |
| Average equity | $59,409,000 | 1,121 |
| Average total loans | $264,252,000 | 1,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 5,909 |
| Cost of funding earning assets | 1.7950% | 1,661 |
| Net interest margin | 2.9703% | 6,897 |
| Noninterest income to average assets | 0.0897% | 7,130 |
| Noninterest expense to average assets | 1.3872% | 7,675 |
| Loan and lease loss provision to assets | 0.4717% | 2,957 |
| Net operating income to assets | 0.7557% | 3,167 |
| Return on assets (ROA) | 0.7391% | 3,391 |
| Pretax return on assets | 1.0875% | 2,816 |
| Return on Equity (ROE) | 4.1013% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.1013% | 3,470 |
| Net charge-offs to loans | 0.0978% | 5,164 |
| Credit loss provision to net charge-offs | 599.2248% | 631 |
| Earnings coverage of net charge-offs (x) | 20.1163% | 1,229 |
| Efficiency ratio | 46.6927% | 7,408 |
| Assets per employee ($millions) | 7.4121% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3344% | 7,645 |
| Loan loss allowance to noncurrent loans | 22.4500% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 4,361 |
| Noncurrent loans to loans | 1.4897% | 4,472 |
| Net loans and leases to total assets | 79.2481% | 910 |
| Net loans and leases to deposits | 96.9634% | 960 |
| Net loans and leases to core deposits | 99.3024% | 2,088 |
| Total domestic deposits to total assets | 81.7300% | 5,096 |
| Equity capital to assets | 17.8869% | 428 |
| Core capital (leverage) ratio | 17.8869% | 367 |
| Tier 1 risk-based capital ratio | 37.6244% | 287 |
| Total risk-based capital ratio | 38.1838% | 295 |
| Memoranda: | ||
| Average total assets | $327,716,330 | 2,025 |
| Average earning assets | $317,879,330 | 1,910 |
| Average equity | $59,054,000 | 1,121 |
| Average total loans | $263,722,000 | 1,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 5,956 |
| Cost of funding earning assets | 1.8183% | 1,807 |
| Net interest margin | 2.9644% | 6,908 |
| Noninterest income to average assets | -0.0025% | 7,686 |
| Noninterest expense to average assets | 1.3978% | 7,763 |
| Loan and lease loss provision to assets | 0.1650% | 4,880 |
| Net operating income to assets | 0.8140% | 2,904 |
| Return on assets (ROA) | 0.8140% | 3,002 |
| Pretax return on assets | 1.3079% | 2,030 |
| Return on Equity (ROE) | 4.5004% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.5004% | 3,459 |
| Net charge-offs to loans | 0.1962% | 3,734 |
| Credit loss provision to net charge-offs | 103.8760% | 3,295 |
| Earnings coverage of net charge-offs (x) | 9.2713% | 1,875 |
| Efficiency ratio | 48.6915% | 7,394 |
| Assets per employee ($millions) | 7.2851% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0938% | 7,844 |
| Loan loss allowance to noncurrent loans | 8.1869% | 7,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 4,609 |
| Noncurrent loans to loans | 1.1452% | 5,083 |
| Net loans and leases to total assets | 80.2851% | 804 |
| Net loans and leases to deposits | 98.5402% | 860 |
| Net loans and leases to core deposits | 100.6247% | 2,068 |
| Total domestic deposits to total assets | 81.4745% | 5,280 |
| Equity capital to assets | 18.0204% | 422 |
| Core capital (leverage) ratio | 18.0193% | 373 |
| Tier 1 risk-based capital ratio | 37.6323% | 298 |
| Total risk-based capital ratio | 37.7897% | 309 |
| Memoranda: | ||
| Average total assets | $324,801,500 | 2,092 |
| Average earning assets | $314,805,000 | 1,984 |
| Average equity | $58,750,500 | 1,132 |
| Average total loans | $262,975,000 | 1,784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 6,410 |
| Cost of funding earning assets | 2.1813% | 2,109 |
| Net interest margin | 2.8256% | 7,014 |
| Noninterest income to average assets | 0.0148% | 7,639 |
| Noninterest expense to average assets | 1.3911% | 7,842 |
| Loan and lease loss provision to assets | -0.0055% | 7,957 |
| Net operating income to assets | 0.8468% | 2,360 |
| Return on assets (ROA) | 0.8468% | 2,448 |
| Pretax return on assets | 1.3779% | 1,485 |
| Return on Equity (ROE) | 4.6226% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.6226% | 2,021 |
| Net charge-offs to loans | 0.0064% | 7,149 |
| Credit loss provision to net charge-offs | -106.2500% | 7,382 |
| Earnings coverage of net charge-offs (x) | 267.3125% | 106 |
| Efficiency ratio | 50.3367% | 7,520 |
| Assets per employee ($millions) | 7.1505% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0922% | 7,917 |
| Loan loss allowance to noncurrent loans | 7.2651% | 7,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 4,375 |
| Noncurrent loans to loans | 1.2689% | 4,809 |
| Net loans and leases to total assets | 81.5053% | 762 |
| Net loans and leases to deposits | 100.1853% | 883 |
| Net loans and leases to core deposits | 125.8695% | 1,524 |
| Total domestic deposits to total assets | 81.3546% | 5,212 |
| Equity capital to assets | 18.1572% | 434 |
| Core capital (leverage) ratio | 18.1533% | 395 |
| Tier 1 risk-based capital ratio | 37.3275% | 296 |
| Total risk-based capital ratio | 37.4822% | 313 |
| Memoranda: | ||
| Average total assets | $311,628,800 | 2,154 |
| Average earning assets | $303,161,000 | 2,048 |
| Average equity | $57,088,600 | 1,157 |
| Average total loans | $249,992,800 | 1,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 6,396 |
| Cost of funding earning assets | 2.2502% | 2,185 |
| Net interest margin | 2.8159% | 7,028 |
| Noninterest income to average assets | 0.0254% | 7,747 |
| Noninterest expense to average assets | 1.3804% | 7,928 |
| Loan and lease loss provision to assets | -0.0052% | 8,038 |
| Net operating income to assets | 0.8519% | 2,606 |
| Return on assets (ROA) | 0.8519% | 2,672 |
| Pretax return on assets | 1.3924% | 1,717 |
| Return on Equity (ROE) | 4.6398% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.6398% | 2,685 |
| Net charge-offs to loans | 0.0086% | 6,836 |
| Credit loss provision to net charge-offs | -75.0000% | 7,199 |
| Earnings coverage of net charge-offs (x) | 201.0263% | 193 |
| Efficiency ratio | 49.8753% | 7,567 |
| Assets per employee ($millions) | 7.0621% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0950% | 8,007 |
| Loan loss allowance to noncurrent loans | 16.0703% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 5,907 |
| Noncurrent loans to loans | 0.5913% | 6,127 |
| Net loans and leases to total assets | 81.7103% | 860 |
| Net loans and leases to deposits | 100.7027% | 1,045 |
| Net loans and leases to core deposits | 126.0635% | 1,726 |
| Total domestic deposits to total assets | 81.1401% | 5,017 |
| Equity capital to assets | 18.1808% | 500 |
| Core capital (leverage) ratio | 18.1752% | 443 |
| Tier 1 risk-based capital ratio | 37.9225% | 314 |
| Total risk-based capital ratio | 38.0847% | 326 |
| Memoranda: | ||
| Average total assets | $309,092,500 | 2,178 |
| Average earning assets | $301,002,500 | 2,083 |
| Average equity | $56,754,500 | 1,178 |
| Average total loans | $246,864,750 | 1,938 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 6,263 |
| Cost of funding earning assets | 2.3394% | 2,204 |
| Net interest margin | 2.8078% | 7,000 |
| Noninterest income to average assets | 0.0150% | 7,893 |
| Noninterest expense to average assets | 1.3939% | 8,011 |
| Loan and lease loss provision to assets | -0.0007% | 8,131 |
| Net operating income to assets | 0.8191% | 2,782 |
| Return on assets (ROA) | 0.8191% | 2,875 |
| Pretax return on assets | 1.3547% | 1,852 |
| Return on Equity (ROE) | 4.4458% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.4458% | 2,820 |
| Net charge-offs to loans | 0.0132% | 6,369 |
| Credit loss provision to net charge-offs | -6.2500% | 6,887 |
| Earnings coverage of net charge-offs (x) | 129.5625% | 302 |
| Efficiency ratio | 50.7250% | 7,615 |
| Assets per employee ($millions) | 7.0806% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1052% | 8,099 |
| Loan loss allowance to noncurrent loans | 13.3643% | 7,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 5,774 |
| Noncurrent loans to loans | 0.7871% | 5,660 |
| Net loans and leases to total assets | 78.9505% | 1,535 |
| Net loans and leases to deposits | 97.3159% | 1,626 |
| Net loans and leases to core deposits | 120.2160% | 2,353 |
| Total domestic deposits to total assets | 81.1280% | 5,026 |
| Equity capital to assets | 18.3045% | 524 |
| Core capital (leverage) ratio | 18.3045% | 475 |
| Tier 1 risk-based capital ratio | 38.9750% | 331 |
| Total risk-based capital ratio | 39.1520% | 343 |
| Memoranda: | ||
| Average total assets | $306,191,330 | 2,223 |
| Average earning assets | $298,030,670 | 2,128 |
| Average equity | $56,413,330 | 1,195 |
| Average total loans | $242,513,330 | 1,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 6,437 |
| Cost of funding earning assets | 2.4356% | 2,153 |
| Net interest margin | 2.7270% | 7,144 |
| Noninterest income to average assets | 0.0356% | 7,900 |
| Noninterest expense to average assets | 1.2981% | 8,077 |
| Loan and lease loss provision to assets | -0.0066% | 8,171 |
| Net operating income to assets | 0.8790% | 2,801 |
| Return on assets (ROA) | 0.8790% | 2,944 |
| Pretax return on assets | 1.3957% | 1,982 |
| Return on Equity (ROE) | 4.7552% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.7552% | 3,260 |
| Net charge-offs to loans | 0.0266% | 5,161 |
| Credit loss provision to net charge-offs | -31.2500% | 6,154 |
| Earnings coverage of net charge-offs (x) | 65.8750% | 606 |
| Efficiency ratio | 48.3080% | 7,712 |
| Assets per employee ($millions) | 6.9799% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1075% | 8,152 |
| Loan loss allowance to noncurrent loans | 15.7505% | 7,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 5,718 |
| Noncurrent loans to loans | 0.6826% | 5,702 |
| Net loans and leases to total assets | 77.1486% | 2,001 |
| Net loans and leases to deposits | 95.1764% | 2,081 |
| Net loans and leases to core deposits | 117.4295% | 2,645 |
| Total domestic deposits to total assets | 81.0585% | 4,945 |
| Equity capital to assets | 18.3775% | 561 |
| Core capital (leverage) ratio | 18.3775% | 516 |
| Tier 1 risk-based capital ratio | 40.0827% | 325 |
| Total risk-based capital ratio | 40.2638% | 334 |
| Memoranda: | ||
| Average total assets | $303,513,500 | 2,246 |
| Average earning assets | $295,128,000 | 2,151 |
| Average equity | $56,106,500 | 1,209 |
| Average total loans | $240,656,500 | 2,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 7,562 |
| Cost of funding earning assets | 3.0080% | 1,846 |
| Net interest margin | 2.3256% | 7,898 |
| Noninterest income to average assets | 0.0254% | 8,007 |
| Noninterest expense to average assets | 1.3097% | 8,112 |
| Loan and lease loss provision to assets | 0.0016% | 7,325 |
| Net operating income to assets | 0.6245% | 4,210 |
| Return on assets (ROA) | 0.6239% | 4,060 |
| Pretax return on assets | 0.9729% | 3,477 |
| Return on Equity (ROE) | 3.4094% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.4094% | 3,022 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3118% | 6,817 |
| Assets per employee ($millions) | 6.6647% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1131% | 8,207 |
| Loan loss allowance to noncurrent loans | 52.8736% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 6,675 |
| Noncurrent loans to loans | 0.2138% | 6,749 |
| Net loans and leases to total assets | 81.3062% | 1,358 |
| Net loans and leases to deposits | 100.5849% | 1,773 |
| Net loans and leases to core deposits | 122.6100% | 2,437 |
| Total domestic deposits to total assets | 80.8334% | 4,720 |
| Equity capital to assets | 18.5964% | 589 |
| Core capital (leverage) ratio | 18.5964% | 549 |
| Tier 1 risk-based capital ratio | 39.5234% | 350 |
| Total risk-based capital ratio | 39.7182% | 358 |
| Memoranda: | ||
| Average total assets | $303,419,200 | 2,185 |
| Average earning assets | $294,851,000 | 2,077 |
| Average equity | $55,522,800 | 1,213 |
| Average total loans | $241,605,000 | 1,959 |