Home > Olympia Federal Savings and Loan Association > Performance and Condition Ratios
Olympia 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 | 4.0874% | 3,829 |
| Cost of funding earning assets | 1.6009% | 1,693 |
| Net interest margin | 2.4864% | 4,105 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2673% | 2,936 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.2193% | 4,142 |
| Return on assets (ROA) | 0.2193% | 4,156 |
| Pretax return on assets | 0.2582% | 4,134 |
| Return on Equity (ROE) | 1.8400% | 4,172 |
| Retained earnings to average equity (ytd only) | 1.8432% | 3,611 |
| Net charge-offs to loans | 0.0055% | 2,502 |
| Credit loss provision to net charge-offs | 155.8140% | 1,440 |
| Earnings coverage of net charge-offs (x) | 58.1163% | 1,205 |
| Efficiency ratio | 89.4379% | 430 |
| Assets per employee ($millions) | 8.5042% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6045% | 4,237 |
| Loan loss allowance to noncurrent loans | 184.3620% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,853 |
| Noncurrent loans to loans | 0.3279% | 2,010 |
| Net loans and leases to total assets | 83.3100% | 319 |
| Net loans and leases to deposits | 118.3355% | 96 |
| Net loans and leases to core deposits | 135.5795% | 327 |
| Total domestic deposits to total assets | 70.4000% | 4,276 |
| Equity capital to assets | 11.6366% | 1,237 |
| Core capital (leverage) ratio | 12.5455% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $933,326,600 | 1,049 |
| Average earning assets | $873,106,600 | 1,030 |
| Average equity | $111,054,000 | 882 |
| Average total loans | $782,555,400 | 879 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,735 |
| Cost of funding earning assets | 1.4825% | 1,659 |
| Net interest margin | 2.5768% | 4,056 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3364% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2441% | 4,186 |
| Return on assets (ROA) | 0.2441% | 4,196 |
| Pretax return on assets | 0.2906% | 4,176 |
| Return on Equity (ROE) | 2.0400% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.0397% | 3,721 |
| Net charge-offs to loans | 0.0007% | 2,629 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,604 |
| Earnings coverage of net charge-offs (x) | 498.0000% | 308 |
| Efficiency ratio | 89.0706% | 406 |
| Assets per employee ($millions) | 8.4460% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 4,261 |
| Loan loss allowance to noncurrent loans | 182.5010% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 1,886 |
| Noncurrent loans to loans | 0.3313% | 2,044 |
| Net loans and leases to total assets | 83.9300% | 284 |
| Net loans and leases to deposits | 111.3770% | 182 |
| Net loans and leases to core deposits | 127.1623% | 390 |
| Total domestic deposits to total assets | 75.3600% | 4,068 |
| Equity capital to assets | 11.7615% | 1,105 |
| Core capital (leverage) ratio | 12.6272% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $926,414,750 | 1,060 |
| Average earning assets | $866,897,500 | 1,035 |
| Average equity | $110,861,250 | 877 |
| Average total loans | $776,824,000 | 881 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,614 |
| Cost of funding earning assets | 1.3215% | 1,654 |
| Net interest margin | 2.7145% | 3,952 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.4181% | 2,428 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.2568% | 4,221 |
| Return on assets (ROA) | 0.2568% | 4,244 |
| Pretax return on assets | 0.3058% | 4,229 |
| Return on Equity (ROE) | 2.1300% | 4,258 |
| Retained earnings to average equity (ytd only) | 2.1340% | 3,696 |
| Net charge-offs to loans | 0.0010% | 2,382 |
| Credit loss provision to net charge-offs | 3,750.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 365 |
| Efficiency ratio | 87.5942% | 442 |
| Assets per employee ($millions) | 8.0399% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,258 |
| Loan loss allowance to noncurrent loans | 193.1502% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 1,813 |
| Noncurrent loans to loans | 0.3291% | 1,949 |
| Net loans and leases to total assets | 83.6600% | 295 |
| Net loans and leases to deposits | 110.2515% | 201 |
| Net loans and leases to core deposits | 125.7349% | 394 |
| Total domestic deposits to total assets | 75.8900% | 4,052 |
| Equity capital to assets | 11.8689% | 1,085 |
| Core capital (leverage) ratio | 12.4835% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $922,718,000 | 1,054 |
| Average earning assets | $863,442,667 | 1,034 |
| Average equity | $111,060,000 | 868 |
| Average total loans | $771,875,333 | 868 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,504 |
| Cost of funding earning assets | 1.0933% | 1,771 |
| Net interest margin | 2.8767% | 3,824 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.5148% | 2,209 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.3051% | 4,245 |
| Return on assets (ROA) | 0.3051% | 4,204 |
| Pretax return on assets | 0.3679% | 4,179 |
| Return on Equity (ROE) | 2.5200% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.5170% | 3,601 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.4549% | 491 |
| Assets per employee ($millions) | 7.9440% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3952% | 4,500 |
| Loan loss allowance to noncurrent loans | 109.6216% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 1,659 |
| Noncurrent loans to loans | 0.3606% | 1,855 |
| Net loans and leases to total assets | 83.1900% | 286 |
| Net loans and leases to deposits | 102.4250% | 348 |
| Net loans and leases to core deposits | 118.3943% | 482 |
| Total domestic deposits to total assets | 81.2200% | 3,604 |
| Equity capital to assets | 12.1289% | 962 |
| Core capital (leverage) ratio | 12.6676% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $917,762,000 | 1,075 |
| Average earning assets | $859,453,500 | 1,056 |
| Average equity | $111,243,500 | 878 |
| Average total loans | $765,176,000 | 892 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 2,774 |
| Cost of funding earning assets | 0.4639% | 1,625 |
| Net interest margin | 3.1463% | 3,034 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.4830% | 2,169 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5313% | 4,034 |
| Return on assets (ROA) | 0.5313% | 3,990 |
| Pretax return on assets | 0.6440% | 3,952 |
| Return on Equity (ROE) | 4.2500% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.2479% | 3,316 |
| Net charge-offs to loans | 0.0020% | 2,465 |
| Credit loss provision to net charge-offs | 4,042.8571% | 157 |
| Earnings coverage of net charge-offs (x) | 442.4286% | 365 |
| Efficiency ratio | 77.7945% | 860 |
| Assets per employee ($millions) | 7.5539% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 4,505 |
| Loan loss allowance to noncurrent loans | 104.2657% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 1,608 |
| Noncurrent loans to loans | 0.3760% | 1,797 |
| Net loans and leases to total assets | 82.9000% | 333 |
| Net loans and leases to deposits | 100.7056% | 412 |
| Net loans and leases to core deposits | 110.9953% | 578 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 12.1134% | 897 |
| Core capital (leverage) ratio | 12.7066% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $873,930,200 | 1,108 |
| Average earning assets | $818,542,200 | 1,087 |
| Average equity | $109,299,800 | 890 |
| Average total loans | $705,536,000 | 901 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 2,573 |
| Cost of funding earning assets | 0.3562% | 1,651 |
| Net interest margin | 3.1593% | 2,746 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.5073% | 1,999 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.5213% | 4,027 |
| Return on assets (ROA) | 0.5213% | 3,973 |
| Pretax return on assets | 0.6288% | 3,936 |
| Return on Equity (ROE) | 4.1300% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.1341% | 3,400 |
| Net charge-offs to loans | 0.0027% | 2,156 |
| Credit loss provision to net charge-offs | 3,971.4286% | 138 |
| Earnings coverage of net charge-offs (x) | 330.7143% | 441 |
| Efficiency ratio | 77.8214% | 927 |
| Assets per employee ($millions) | 7.2752% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 4,543 |
| Loan loss allowance to noncurrent loans | 108.5860% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 1,726 |
| Noncurrent loans to loans | 0.3663% | 1,927 |
| Net loans and leases to total assets | 83.1600% | 310 |
| Net loans and leases to deposits | 100.1196% | 360 |
| Net loans and leases to core deposits | 108.0995% | 533 |
| Total domestic deposits to total assets | 83.0600% | 3,682 |
| Equity capital to assets | 12.1833% | 849 |
| Core capital (leverage) ratio | 13.0851% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $863,906,750 | 1,127 |
| Average earning assets | $809,284,500 | 1,108 |
| Average equity | $108,945,000 | 905 |
| Average total loans | $691,746,000 | 916 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 2,296 |
| Cost of funding earning assets | 0.3136% | 1,588 |
| Net interest margin | 3.1369% | 2,413 |
| Noninterest income to average assets | 0.2308% | 3,801 |
| Noninterest expense to average assets | 2.5171% | 1,873 |
| Loan and lease loss provision to assets | 0.0776% | 1,249 |
| Net operating income to assets | 0.4717% | 3,964 |
| Return on assets (ROA) | 0.4717% | 3,915 |
| Pretax return on assets | 0.5755% | 3,863 |
| Return on Equity (ROE) | 3.6963% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.6963% | 3,203 |
| Net charge-offs to loans | 0.0039% | 1,891 |
| Credit loss provision to net charge-offs | 2,546.1538% | 206 |
| Earnings coverage of net charge-offs (x) | 214.3846% | 520 |
| Efficiency ratio | 79.4013% | 991 |
| Assets per employee ($millions) | 6.6565% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3904% | 4,621 |
| Loan loss allowance to noncurrent loans | 97.1711% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,659 |
| Noncurrent loans to loans | 0.4018% | 1,925 |
| Net loans and leases to total assets | 82.9370% | 240 |
| Net loans and leases to deposits | 99.9493% | 272 |
| Net loans and leases to core deposits | 102.8862% | 556 |
| Total domestic deposits to total assets | 82.9791% | 3,880 |
| Equity capital to assets | 12.8831% | 682 |
| Core capital (leverage) ratio | 13.0982% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $853,591,000 | 1,134 |
| Average earning assets | $799,845,000 | 1,123 |
| Average equity | $108,919,000 | 911 |
| Average total loans | $673,284,333 | 926 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 2,320 |
| Cost of funding earning assets | 0.3242% | 1,422 |
| Net interest margin | 2.9962% | 2,516 |
| Noninterest income to average assets | 0.2173% | 3,858 |
| Noninterest expense to average assets | 2.5207% | 1,832 |
| Loan and lease loss provision to assets | 0.0611% | 1,317 |
| Net operating income to assets | 0.3698% | 4,021 |
| Return on assets (ROA) | 0.3698% | 3,983 |
| Pretax return on assets | 0.4458% | 3,955 |
| Return on Equity (ROE) | 2.9121% | 4,111 |
| Retained earnings to average equity (ytd only) | 2.9121% | 3,296 |
| Net charge-offs to loans | 0.0079% | 1,461 |
| Credit loss provision to net charge-offs | 1,007.6923% | 326 |
| Earnings coverage of net charge-offs (x) | 83.6154% | 728 |
| Efficiency ratio | 83.2563% | 901 |
| Assets per employee ($millions) | 6.7346% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3752% | 4,656 |
| Loan loss allowance to noncurrent loans | 77.2589% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 1,584 |
| Noncurrent loans to loans | 0.4857% | 1,815 |
| Net loans and leases to total assets | 78.4758% | 341 |
| Net loans and leases to deposits | 94.3795% | 341 |
| Net loans and leases to core deposits | 96.9985% | 612 |
| Total domestic deposits to total assets | 83.1492% | 3,924 |
| Equity capital to assets | 12.5807% | 788 |
| Core capital (leverage) ratio | 12.9596% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $857,701,000 | 1,132 |
| Average earning assets | $804,485,500 | 1,119 |
| Average equity | $108,923,500 | 938 |
| Average total loans | $657,990,000 | 934 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 2,683 |
| Cost of funding earning assets | 0.4100% | 1,470 |
| Net interest margin | 3.0813% | 2,964 |
| Noninterest income to average assets | 0.2167% | 4,065 |
| Noninterest expense to average assets | 2.5403% | 2,055 |
| Loan and lease loss provision to assets | 0.0244% | 2,577 |
| Net operating income to assets | 0.4420% | 4,200 |
| Return on assets (ROA) | 0.4420% | 4,241 |
| Pretax return on assets | 0.5415% | 4,193 |
| Return on Equity (ROE) | 3.3766% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.3766% | 3,467 |
| Net charge-offs to loans | -0.0233% | 4,033 |
| Credit loss provision to net charge-offs | -137.9310% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7832% | 695 |
| Assets per employee ($millions) | 6.5644% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3815% | 4,693 |
| Loan loss allowance to noncurrent loans | 66.5389% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,532 |
| Noncurrent loans to loans | 0.5734% | 1,704 |
| Net loans and leases to total assets | 74.3541% | 637 |
| Net loans and leases to deposits | 91.1035% | 517 |
| Net loans and leases to core deposits | 93.8950% | 788 |
| Total domestic deposits to total assets | 81.6149% | 4,025 |
| Equity capital to assets | 12.8195% | 956 |
| Core capital (leverage) ratio | 12.9856% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $821,072,400 | 1,132 |
| Average earning assets | $769,969,200 | 1,132 |
| Average equity | $107,473,800 | 950 |
| Average total loans | $621,138,800 | 971 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 2,757 |
| Cost of funding earning assets | 0.4242% | 1,529 |
| Net interest margin | 3.1011% | 3,052 |
| Noninterest income to average assets | 0.2194% | 4,088 |
| Noninterest expense to average assets | 2.5784% | 1,903 |
| Loan and lease loss provision to assets | 0.0246% | 2,502 |
| Net operating income to assets | 0.4272% | 4,333 |
| Return on assets (ROA) | 0.4272% | 4,363 |
| Pretax return on assets | 0.5238% | 4,340 |
| Return on Equity (ROE) | 3.2462% | 4,425 |
| Retained earnings to average equity (ytd only) | 3.2462% | 3,813 |
| Net charge-offs to loans | 0.0022% | 2,304 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 334.4000% | 407 |
| Efficiency ratio | 82.4609% | 611 |
| Assets per employee ($millions) | 6.9450% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3523% | 4,792 |
| Loan loss allowance to noncurrent loans | 53.2042% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 1,547 |
| Noncurrent loans to loans | 0.6621% | 1,655 |
| Net loans and leases to total assets | 74.2857% | 668 |
| Net loans and leases to deposits | 91.0427% | 546 |
| Net loans and leases to core deposits | 94.3005% | 817 |
| Total domestic deposits to total assets | 81.5943% | 3,996 |
| Equity capital to assets | 12.7826% | 1,060 |
| Core capital (leverage) ratio | 13.1771% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $812,998,750 | 1,149 |
| Average earning assets | $762,209,750 | 1,142 |
| Average equity | $106,993,000 | 972 |
| Average total loans | $617,187,750 | 994 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 2,724 |
| Cost of funding earning assets | 0.4426% | 1,576 |
| Net interest margin | 3.1259% | 2,971 |
| Noninterest income to average assets | 0.2213% | 4,081 |
| Noninterest expense to average assets | 2.6296% | 1,776 |
| Loan and lease loss provision to assets | 0.0187% | 2,583 |
| Net operating income to assets | 0.4094% | 4,369 |
| Return on assets (ROA) | 0.4094% | 4,408 |
| Pretax return on assets | 0.5038% | 4,388 |
| Return on Equity (ROE) | 3.0801% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.0801% | 3,815 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4244% | 586 |
| Assets per employee ($millions) | 6.8325% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3464% | 4,829 |
| Loan loss allowance to noncurrent loans | 54.6697% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 1,725 |
| Noncurrent loans to loans | 0.6336% | 1,826 |
| Net loans and leases to total assets | 76.4269% | 554 |
| Net loans and leases to deposits | 92.3176% | 527 |
| Net loans and leases to core deposits | 95.9134% | 812 |
| Total domestic deposits to total assets | 82.7869% | 3,752 |
| Equity capital to assets | 13.2203% | 886 |
| Core capital (leverage) ratio | 13.4137% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,567,000 | 1,155 |
| Average earning assets | $751,538,333 | 1,152 |
| Average equity | $106,555,333 | 969 |
| Average total loans | $612,369,333 | 1,006 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 2,501 |
| Cost of funding earning assets | 0.4932% | 1,432 |
| Net interest margin | 3.1556% | 2,823 |
| Noninterest income to average assets | 0.2016% | 4,177 |
| Noninterest expense to average assets | 2.7172% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3523% | 4,445 |
| Return on assets (ROA) | 0.3523% | 4,473 |
| Pretax return on assets | 0.4398% | 4,434 |
| Return on Equity (ROE) | 2.6431% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.6431% | 3,888 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0691% | 508 |
| Assets per employee ($millions) | 6.7292% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3431% | 4,854 |
| Loan loss allowance to noncurrent loans | 55.4669% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 1,983 |
| Noncurrent loans to loans | 0.6186% | 2,020 |
| Net loans and leases to total assets | 75.6294% | 665 |
| Net loans and leases to deposits | 91.7807% | 607 |
| Net loans and leases to core deposits | 95.4723% | 906 |
| Total domestic deposits to total assets | 82.4023% | 3,813 |
| Equity capital to assets | 13.2882% | 840 |
| Core capital (leverage) ratio | 13.6592% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $795,817,000 | 1,151 |
| Average earning assets | $745,338,500 | 1,149 |
| Average equity | $106,088,000 | 965 |
| Average total loans | $606,773,000 | 1,012 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 2,551 |
| Cost of funding earning assets | 0.8669% | 962 |
| Net interest margin | 3.1921% | 3,381 |
| Noninterest income to average assets | 0.1981% | 4,288 |
| Noninterest expense to average assets | 2.5393% | 2,722 |
| Loan and lease loss provision to assets | 0.0815% | 3,357 |
| Net operating income to assets | 0.4459% | 4,150 |
| Return on assets (ROA) | 0.4459% | 4,228 |
| Pretax return on assets | 0.5562% | 4,169 |
| Return on Equity (ROE) | 3.2370% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.2370% | 3,209 |
| Net charge-offs to loans | 0.0236% | 2,573 |
| Credit loss provision to net charge-offs | 433.8028% | 1,361 |
| Earnings coverage of net charge-offs (x) | 33.9296% | 1,506 |
| Efficiency ratio | 79.9267% | 899 |
| Assets per employee ($millions) | 6.7594% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3442% | 4,882 |
| Loan loss allowance to noncurrent loans | 46.4883% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 1,857 |
| Noncurrent loans to loans | 0.7403% | 1,852 |
| Net loans and leases to total assets | 76.3417% | 750 |
| Net loans and leases to deposits | 92.7696% | 734 |
| Net loans and leases to core deposits | 97.3222% | 1,042 |
| Total domestic deposits to total assets | 82.2917% | 3,595 |
| Equity capital to assets | 13.3738% | 975 |
| Core capital (leverage) ratio | 13.7181% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $755,494,200 | 1,102 |
| Average earning assets | $705,020,800 | 1,095 |
| Average equity | $104,077,200 | 931 |
| Average total loans | $601,503,200 | 973 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 2,616 |
| Cost of funding earning assets | 0.9138% | 1,023 |
| Net interest margin | 3.2076% | 3,470 |
| Noninterest income to average assets | 0.1984% | 4,286 |
| Noninterest expense to average assets | 2.5698% | 2,630 |
| Loan and lease loss provision to assets | 0.0966% | 3,114 |
| Net operating income to assets | 0.4202% | 4,219 |
| Return on assets (ROA) | 0.4202% | 4,286 |
| Pretax return on assets | 0.5237% | 4,235 |
| Return on Equity (ROE) | 3.0266% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.0266% | 3,512 |
| Net charge-offs to loans | 0.0324% | 2,176 |
| Credit loss provision to net charge-offs | 370.5479% | 1,546 |
| Earnings coverage of net charge-offs (x) | 23.7945% | 1,781 |
| Efficiency ratio | 80.5542% | 838 |
| Assets per employee ($millions) | 6.7690% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3312% | 4,922 |
| Loan loss allowance to noncurrent loans | 43.8854% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 1,955 |
| Noncurrent loans to loans | 0.7547% | 1,917 |
| Net loans and leases to total assets | 78.2299% | 800 |
| Net loans and leases to deposits | 95.3967% | 807 |
| Net loans and leases to core deposits | 100.2641% | 1,145 |
| Total domestic deposits to total assets | 82.0048% | 3,418 |
| Equity capital to assets | 13.5725% | 978 |
| Core capital (leverage) ratio | 13.8786% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $746,654,000 | 1,098 |
| Average earning assets | $696,417,750 | 1,091 |
| Average equity | $103,654,750 | 929 |
| Average total loans | $600,419,750 | 969 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 2,708 |
| Cost of funding earning assets | 0.9661% | 1,086 |
| Net interest margin | 3.2492% | 3,529 |
| Noninterest income to average assets | 0.1967% | 4,293 |
| Noninterest expense to average assets | 2.6181% | 2,604 |
| Loan and lease loss provision to assets | 0.0609% | 3,539 |
| Net operating income to assets | 0.4375% | 4,150 |
| Return on assets (ROA) | 0.4375% | 4,214 |
| Pretax return on assets | 0.5442% | 4,172 |
| Return on Equity (ROE) | 3.1270% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.1270% | 3,333 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2253% | 801 |
| Assets per employee ($millions) | 6.7324% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3041% | 4,955 |
| Loan loss allowance to noncurrent loans | 43.9445% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 2,151 |
| Noncurrent loans to loans | 0.6921% | 2,142 |
| Net loans and leases to total assets | 79.8171% | 611 |
| Net loans and leases to deposits | 97.6788% | 676 |
| Net loans and leases to core deposits | 103.1261% | 1,054 |
| Total domestic deposits to total assets | 81.7139% | 3,443 |
| Equity capital to assets | 13.7885% | 900 |
| Core capital (leverage) ratio | 14.0889% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $738,317,667 | 1,095 |
| Average earning assets | $687,748,667 | 1,091 |
| Average equity | $103,295,000 | 926 |
| Average total loans | $598,667,333 | 962 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 2,791 |
| Cost of funding earning assets | 1.0138% | 1,364 |
| Net interest margin | 3.3289% | 3,520 |
| Noninterest income to average assets | 0.1938% | 4,387 |
| Noninterest expense to average assets | 2.8234% | 2,363 |
| Loan and lease loss provision to assets | 0.0548% | 3,081 |
| Net operating income to assets | 0.3231% | 4,301 |
| Return on assets (ROA) | 0.3231% | 4,328 |
| Pretax return on assets | 0.4102% | 4,274 |
| Return on Equity (ROE) | 2.2922% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.2922% | 3,333 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8618% | 719 |
| Assets per employee ($millions) | 6.5823% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2870% | 4,997 |
| Loan loss allowance to noncurrent loans | 39.8277% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,256 |
| Noncurrent loans to loans | 0.7206% | 2,196 |
| Net loans and leases to total assets | 79.2228% | 788 |
| Net loans and leases to deposits | 100.4245% | 530 |
| Net loans and leases to core deposits | 106.3060% | 1,041 |
| Total domestic deposits to total assets | 78.8879% | 4,075 |
| Equity capital to assets | 13.7023% | 1,151 |
| Core capital (leverage) ratio | 14.4171% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,463,500 | 1,072 |
| Average earning assets | $679,024,500 | 1,069 |
| Average equity | $102,958,000 | 927 |
| Average total loans | $596,162,000 | 946 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 2,926 |
| Cost of funding earning assets | 0.9972% | 1,733 |
| Net interest margin | 3.5078% | 3,424 |
| Noninterest income to average assets | 0.2166% | 4,370 |
| Noninterest expense to average assets | 2.7489% | 2,754 |
| Loan and lease loss provision to assets | 0.0254% | 3,503 |
| Net operating income to assets | 0.5568% | 4,275 |
| Return on assets (ROA) | 0.5589% | 4,322 |
| Pretax return on assets | 0.6948% | 4,216 |
| Return on Equity (ROE) | 3.8149% | 4,515 |
| Retained earnings to average equity (ytd only) | 3.8149% | 3,071 |
| Net charge-offs to loans | 0.0021% | 3,631 |
| Credit loss provision to net charge-offs | 1,458.3333% | 243 |
| Earnings coverage of net charge-offs (x) | 411.4167% | 225 |
| Efficiency ratio | 79.2989% | 1,003 |
| Assets per employee ($millions) | 6.5187% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2702% | 5,061 |
| Loan loss allowance to noncurrent loans | 56.6456% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 2,741 |
| Noncurrent loans to loans | 0.4771% | 2,759 |
| Net loans and leases to total assets | 83.6722% | 349 |
| Net loans and leases to deposits | 105.4820% | 317 |
| Net loans and leases to core deposits | 111.0834% | 797 |
| Total domestic deposits to total assets | 79.3237% | 4,116 |
| Equity capital to assets | 14.5095% | 933 |
| Core capital (leverage) ratio | 14.6856% | 746 |
| Tier 1 risk-based capital ratio | 23.6640% | 856 |
| Total risk-based capital ratio | 24.0502% | 915 |
| Memoranda: | ||
| Average total assets | $687,973,800 | 1,084 |
| Average earning assets | $637,406,600 | 1,085 |
| Average equity | $100,789,000 | 900 |
| Average total loans | $579,295,600 | 937 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 3,030 |
| Cost of funding earning assets | 0.9765% | 1,865 |
| Net interest margin | 3.5326% | 3,463 |
| Noninterest income to average assets | 0.2192% | 4,417 |
| Noninterest expense to average assets | 2.7915% | 2,584 |
| Loan and lease loss provision to assets | 0.0195% | 3,517 |
| Net operating income to assets | 0.5424% | 4,424 |
| Return on assets (ROA) | 0.5424% | 4,478 |
| Pretax return on assets | 0.6788% | 4,389 |
| Return on Equity (ROE) | 3.6934% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.6934% | 3,550 |
| Net charge-offs to loans | 0.0026% | 3,339 |
| Credit loss provision to net charge-offs | 909.0909% | 386 |
| Earnings coverage of net charge-offs (x) | 324.8269% | 297 |
| Efficiency ratio | 79.9888% | 926 |
| Assets per employee ($millions) | 6.4465% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2588% | 5,139 |
| Loan loss allowance to noncurrent loans | 68.3578% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,207 |
| Noncurrent loans to loans | 0.3786% | 3,198 |
| Net loans and leases to total assets | 84.2358% | 326 |
| Net loans and leases to deposits | 107.5930% | 276 |
| Net loans and leases to core deposits | 113.1514% | 788 |
| Total domestic deposits to total assets | 78.2911% | 4,302 |
| Equity capital to assets | 14.4737% | 989 |
| Core capital (leverage) ratio | 14.7685% | 796 |
| Tier 1 risk-based capital ratio | 23.3396% | 912 |
| Total risk-based capital ratio | 23.7074% | 985 |
| Memoranda: | ||
| Average total assets | $682,331,500 | 1,092 |
| Average earning assets | $631,744,750 | 1,091 |
| Average equity | $100,212,250 | 900 |
| Average total loans | $575,085,000 | 945 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 3,043 |
| Cost of funding earning assets | 0.9415% | 1,959 |
| Net interest margin | 3.5499% | 3,434 |
| Noninterest income to average assets | 0.2220% | 4,413 |
| Noninterest expense to average assets | 2.8744% | 2,343 |
| Loan and lease loss provision to assets | 0.0148% | 3,481 |
| Net operating income to assets | 0.4855% | 4,559 |
| Return on assets (ROA) | 0.4855% | 4,595 |
| Pretax return on assets | 0.6170% | 4,512 |
| Return on Equity (ROE) | 3.2894% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.2894% | 3,581 |
| Net charge-offs to loans | -0.0070% | 4,219 |
| Credit loss provision to net charge-offs | -250.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9809% | 800 |
| Assets per employee ($millions) | 5.8768% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2615% | 5,196 |
| Loan loss allowance to noncurrent loans | 68.7982% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,199 |
| Noncurrent loans to loans | 0.3800% | 3,166 |
| Net loans and leases to total assets | 84.1646% | 346 |
| Net loans and leases to deposits | 108.1043% | 267 |
| Net loans and leases to core deposits | 112.9601% | 821 |
| Total domestic deposits to total assets | 77.8550% | 4,426 |
| Equity capital to assets | 14.6851% | 897 |
| Core capital (leverage) ratio | 14.9087% | 725 |
| Tier 1 risk-based capital ratio | 23.5806% | 889 |
| Total risk-based capital ratio | 23.9519% | 957 |
| Memoranda: | ||
| Average total assets | $675,553,330 | 1,103 |
| Average earning assets | $624,980,670 | 1,106 |
| Average equity | $99,715,670 | 902 |
| Average total loans | $568,969,330 | 950 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 3,071 |
| Cost of funding earning assets | 0.9000% | 2,002 |
| Net interest margin | 3.5439% | 3,449 |
| Noninterest income to average assets | 0.2037% | 4,533 |
| Noninterest expense to average assets | 2.7902% | 2,600 |
| Loan and lease loss provision to assets | 0.0149% | 3,240 |
| Net operating income to assets | 0.5555% | 4,371 |
| Return on assets (ROA) | 0.5555% | 4,401 |
| Pretax return on assets | 0.6750% | 4,361 |
| Return on Equity (ROE) | 3.7553% | 4,625 |
| Retained earnings to average equity (ytd only) | 3.7553% | 3,422 |
| Net charge-offs to loans | 0.0036% | 2,604 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 343 |
| Efficiency ratio | 80.1751% | 1,050 |
| Assets per employee ($millions) | 5.6360% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2574% | 5,264 |
| Loan loss allowance to noncurrent loans | 48.3372% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 2,755 |
| Noncurrent loans to loans | 0.5326% | 2,714 |
| Net loans and leases to total assets | 84.0977% | 366 |
| Net loans and leases to deposits | 106.9860% | 291 |
| Net loans and leases to core deposits | 110.9050% | 882 |
| Total domestic deposits to total assets | 78.6063% | 4,418 |
| Equity capital to assets | 14.7434% | 807 |
| Core capital (leverage) ratio | 15.0744% | 678 |
| Tier 1 risk-based capital ratio | 23.5480% | 881 |
| Total risk-based capital ratio | 23.9100% | 949 |
| Memoranda: | ||
| Average total assets | $669,633,000 | 1,111 |
| Average earning assets | $619,097,000 | 1,117 |
| Average equity | $99,059,500 | 899 |
| Average total loans | $563,343,000 | 960 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,918 |
| Cost of funding earning assets | 0.6615% | 2,311 |
| Net interest margin | 3.6915% | 3,068 |
| Noninterest income to average assets | 0.2240% | 4,584 |
| Noninterest expense to average assets | 2.9015% | 2,349 |
| Loan and lease loss provision to assets | 0.0157% | 3,838 |
| Net operating income to assets | 0.6008% | 4,422 |
| Return on assets (ROA) | 0.6008% | 4,427 |
| Pretax return on assets | 0.7084% | 4,390 |
| Return on Equity (ROE) | 3.9790% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.9790% | 3,385 |
| Net charge-offs to loans | 0.0078% | 3,407 |
| Credit loss provision to net charge-offs | 243.9024% | 1,216 |
| Earnings coverage of net charge-offs (x) | 112.7561% | 678 |
| Efficiency ratio | 80.0294% | 958 |
| Assets per employee ($millions) | 5.7150% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2600% | 5,308 |
| Loan loss allowance to noncurrent loans | 42.3719% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,479 |
| Noncurrent loans to loans | 0.6137% | 2,446 |
| Net loans and leases to total assets | 83.7174% | 440 |
| Net loans and leases to deposits | 106.1153% | 367 |
| Net loans and leases to core deposits | 109.6437% | 1,025 |
| Total domestic deposits to total assets | 78.8929% | 4,333 |
| Equity capital to assets | 14.8438% | 745 |
| Core capital (leverage) ratio | 15.1219% | 669 |
| Tier 1 risk-based capital ratio | 23.6128% | 856 |
| Total risk-based capital ratio | 23.9741% | 914 |
| Memoranda: | ||
| Average total assets | $638,506,000 | 1,140 |
| Average earning assets | $588,353,200 | 1,138 |
| Average equity | $96,405,800 | 879 |
| Average total loans | $528,780,000 | 990 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,917 |
| Cost of funding earning assets | 0.6038% | 2,446 |
| Net interest margin | 3.7102% | 2,983 |
| Noninterest income to average assets | 0.2275% | 4,609 |
| Noninterest expense to average assets | 2.9308% | 2,228 |
| Loan and lease loss provision to assets | 0.0158% | 3,697 |
| Net operating income to assets | 0.5979% | 4,509 |
| Return on assets (ROA) | 0.5979% | 4,516 |
| Pretax return on assets | 0.6970% | 4,541 |
| Return on Equity (ROE) | 3.9427% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.9427% | 3,804 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4363% | 906 |
| Assets per employee ($millions) | 5.4253% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2708% | 5,370 |
| Loan loss allowance to noncurrent loans | 42.2588% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 2,543 |
| Noncurrent loans to loans | 0.6409% | 2,481 |
| Net loans and leases to total assets | 83.4418% | 522 |
| Net loans and leases to deposits | 104.9290% | 489 |
| Net loans and leases to core deposits | 107.7450% | 1,186 |
| Total domestic deposits to total assets | 79.5222% | 4,217 |
| Equity capital to assets | 15.0161% | 715 |
| Core capital (leverage) ratio | 15.3856% | 615 |
| Tier 1 risk-based capital ratio | 23.9058% | 856 |
| Total risk-based capital ratio | 24.2792% | 910 |
| Memoranda: | ||
| Average total assets | $632,397,000 | 1,156 |
| Average earning assets | $582,279,500 | 1,152 |
| Average equity | $95,905,750 | 875 |
| Average total loans | $521,863,750 | 1,000 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 2,808 |
| Cost of funding earning assets | 0.5582% | 2,533 |
| Net interest margin | 3.7294% | 2,829 |
| Noninterest income to average assets | 0.2322% | 4,627 |
| Noninterest expense to average assets | 2.9459% | 2,206 |
| Loan and lease loss provision to assets | 0.0159% | 3,565 |
| Net operating income to assets | 0.6143% | 4,450 |
| Return on assets (ROA) | 0.6143% | 4,456 |
| Pretax return on assets | 0.7022% | 4,507 |
| Return on Equity (ROE) | 4.0373% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.0373% | 3,597 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3998% | 967 |
| Assets per employee ($millions) | 5.3165% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2710% | 5,432 |
| Loan loss allowance to noncurrent loans | 63.3759% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 3,261 |
| Noncurrent loans to loans | 0.4277% | 3,170 |
| Net loans and leases to total assets | 82.9385% | 584 |
| Net loans and leases to deposits | 103.9020% | 531 |
| Net loans and leases to core deposits | 106.2060% | 1,227 |
| Total domestic deposits to total assets | 79.8238% | 4,267 |
| Equity capital to assets | 15.0766% | 672 |
| Core capital (leverage) ratio | 15.5633% | 559 |
| Tier 1 risk-based capital ratio | 23.9880% | 837 |
| Total risk-based capital ratio | 24.3588% | 908 |
| Memoranda: | ||
| Average total assets | $627,991,000 | 1,159 |
| Average earning assets | $577,895,330 | 1,165 |
| Average equity | $95,559,000 | 880 |
| Average total loans | $515,759,670 | 1,016 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,658 |
| Cost of funding earning assets | 0.5380% | 2,490 |
| Net interest margin | 3.7257% | 2,703 |
| Noninterest income to average assets | 0.2132% | 4,729 |
| Noninterest expense to average assets | 2.9230% | 2,276 |
| Loan and lease loss provision to assets | 0.0161% | 3,324 |
| Net operating income to assets | 0.5580% | 4,551 |
| Return on assets (ROA) | 0.5580% | 4,553 |
| Pretax return on assets | 0.7025% | 4,438 |
| Return on Equity (ROE) | 3.6523% | 4,857 |
| Retained earnings to average equity (ytd only) | 3.6523% | 3,739 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2680% | 1,104 |
| Assets per employee ($millions) | 5.6050% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2753% | 5,495 |
| Loan loss allowance to noncurrent loans | 298.1013% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,641 |
| Noncurrent loans to loans | 0.0924% | 4,560 |
| Net loans and leases to total assets | 81.5236% | 723 |
| Net loans and leases to deposits | 100.9733% | 640 |
| Net loans and leases to core deposits | 103.1004% | 1,446 |
| Total domestic deposits to total assets | 80.7378% | 4,262 |
| Equity capital to assets | 15.1966% | 623 |
| Core capital (leverage) ratio | 15.5001% | 555 |
| Tier 1 risk-based capital ratio | 24.4986% | 794 |
| Total risk-based capital ratio | 24.8756% | 856 |
| Memoranda: | ||
| Average total assets | $622,927,000 | 1,182 |
| Average earning assets | $573,214,500 | 1,184 |
| Average equity | $95,173,500 | 890 |
| Average total loans | $508,357,000 | 1,034 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 2,853 |
| Cost of funding earning assets | 0.5262% | 2,126 |
| Net interest margin | 3.6302% | 3,062 |
| Noninterest income to average assets | 0.2242% | 4,804 |
| Noninterest expense to average assets | 2.8256% | 2,688 |
| Loan and lease loss provision to assets | 0.0328% | 3,607 |
| Net operating income to assets | 0.5146% | 4,340 |
| Return on assets (ROA) | 0.5146% | 4,374 |
| Pretax return on assets | 0.6990% | 4,509 |
| Return on Equity (ROE) | 3.3566% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.3566% | 3,285 |
| Net charge-offs to loans | 0.0040% | 3,955 |
| Credit loss provision to net charge-offs | 1,052.6316% | 344 |
| Earnings coverage of net charge-offs (x) | 234.5263% | 354 |
| Efficiency ratio | 79.4275% | 1,169 |
| Assets per employee ($millions) | 5.6191% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2757% | 5,559 |
| Loan loss allowance to noncurrent loans | 261.8868% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 4,627 |
| Noncurrent loans to loans | 0.1053% | 4,515 |
| Net loans and leases to total assets | 81.2401% | 793 |
| Net loans and leases to deposits | 100.8303% | 672 |
| Net loans and leases to core deposits | 102.8805% | 1,498 |
| Total domestic deposits to total assets | 80.5711% | 4,223 |
| Equity capital to assets | 15.3615% | 610 |
| Core capital (leverage) ratio | 15.5754% | 528 |
| Tier 1 risk-based capital ratio | 24.3689% | 786 |
| Total risk-based capital ratio | 24.7409% | 843 |
| Memoranda: | ||
| Average total assets | $608,856,400 | 1,180 |
| Average earning assets | $559,065,000 | 1,190 |
| Average equity | $93,338,600 | 879 |
| Average total loans | $473,555,400 | 1,081 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,933 |
| Cost of funding earning assets | 0.5218% | 2,096 |
| Net interest margin | 3.5944% | 3,174 |
| Noninterest income to average assets | 0.2247% | 4,866 |
| Noninterest expense to average assets | 2.8317% | 2,627 |
| Loan and lease loss provision to assets | 0.0275% | 3,581 |
| Net operating income to assets | 0.4768% | 4,801 |
| Return on assets (ROA) | 0.4768% | 4,841 |
| Pretax return on assets | 0.6647% | 4,693 |
| Return on Equity (ROE) | 3.1117% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.1117% | 4,060 |
| Net charge-offs to loans | 0.0054% | 3,540 |
| Credit loss provision to net charge-offs | 657.8947% | 501 |
| Earnings coverage of net charge-offs (x) | 165.7544% | 505 |
| Efficiency ratio | 80.3568% | 1,061 |
| Assets per employee ($millions) | 5.6713% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2669% | 5,633 |
| Loan loss allowance to noncurrent loans | 256.9472% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,747 |
| Noncurrent loans to loans | 0.1039% | 4,645 |
| Net loans and leases to total assets | 80.0998% | 973 |
| Net loans and leases to deposits | 99.5039% | 782 |
| Net loans and leases to core deposits | 101.1642% | 1,610 |
| Total domestic deposits to total assets | 80.4991% | 4,212 |
| Equity capital to assets | 15.3907% | 653 |
| Core capital (leverage) ratio | 15.5112% | 575 |
| Tier 1 risk-based capital ratio | 24.7475% | 781 |
| Total risk-based capital ratio | 25.1096% | 846 |
| Memoranda: | ||
| Average total assets | $606,546,500 | 1,189 |
| Average earning assets | $556,748,750 | 1,202 |
| Average equity | $92,936,000 | 886 |
| Average total loans | $466,061,750 | 1,102 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,033 |
| Cost of funding earning assets | 0.5199% | 2,016 |
| Net interest margin | 3.5229% | 3,315 |
| Noninterest income to average assets | 0.2299% | 4,860 |
| Noninterest expense to average assets | 2.8834% | 2,480 |
| Loan and lease loss provision to assets | 0.0331% | 3,327 |
| Net operating income to assets | 0.3973% | 4,982 |
| Return on assets (ROA) | 0.3973% | 5,011 |
| Pretax return on assets | 0.5439% | 4,920 |
| Return on Equity (ROE) | 2.5970% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.5970% | 4,144 |
| Net charge-offs to loans | 0.0083% | 3,159 |
| Credit loss provision to net charge-offs | 526.3158% | 637 |
| Earnings coverage of net charge-offs (x) | 91.7895% | 689 |
| Efficiency ratio | 83.3270% | 895 |
| Assets per employee ($millions) | 5.6226% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2709% | 5,678 |
| Loan loss allowance to noncurrent loans | 71.1996% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,830 |
| Noncurrent loans to loans | 0.3805% | 3,658 |
| Net loans and leases to total assets | 78.0738% | 1,239 |
| Net loans and leases to deposits | 96.9285% | 991 |
| Net loans and leases to core deposits | 98.3371% | 1,776 |
| Total domestic deposits to total assets | 80.5478% | 4,300 |
| Equity capital to assets | 15.3559% | 644 |
| Core capital (leverage) ratio | 15.4838% | 548 |
| Tier 1 risk-based capital ratio | 25.4789% | 705 |
| Total risk-based capital ratio | 25.8420% | 769 |
| Memoranda: | ||
| Average total assets | $604,563,670 | 1,199 |
| Average earning assets | $554,369,000 | 1,203 |
| Average equity | $92,492,330 | 889 |
| Average total loans | $457,442,330 | 1,114 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 2,936 |
| Cost of funding earning assets | 0.5173% | 1,954 |
| Net interest margin | 3.5102% | 3,237 |
| Noninterest income to average assets | 0.2201% | 4,958 |
| Noninterest expense to average assets | 2.9263% | 2,374 |
| Loan and lease loss provision to assets | 0.0497% | 2,815 |
| Net operating income to assets | 0.3441% | 5,091 |
| Return on assets (ROA) | 0.3441% | 5,108 |
| Pretax return on assets | 0.4615% | 5,029 |
| Return on Equity (ROE) | 2.2537% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.2537% | 4,239 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1273% | 882 |
| Assets per employee ($millions) | 5.4934% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2810% | 5,749 |
| Loan loss allowance to noncurrent loans | 180.3094% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 4,698 |
| Noncurrent loans to loans | 0.1559% | 4,566 |
| Net loans and leases to total assets | 74.6048% | 1,649 |
| Net loans and leases to deposits | 92.8396% | 1,241 |
| Net loans and leases to core deposits | 94.1834% | 1,972 |
| Total domestic deposits to total assets | 80.3588% | 4,549 |
| Equity capital to assets | 15.1605% | 627 |
| Core capital (leverage) ratio | 15.5092% | 523 |
| Tier 1 risk-based capital ratio | 25.5754% | 726 |
| Total risk-based capital ratio | 25.9408% | 784 |
| Memoranda: | ||
| Average total assets | $603,226,500 | 1,204 |
| Average earning assets | $552,898,500 | 1,202 |
| Average equity | $92,115,000 | 888 |
| Average total loans | $448,472,500 | 1,133 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,215 |
| Cost of funding earning assets | 0.5600% | 1,607 |
| Net interest margin | 3.4315% | 3,705 |
| Noninterest income to average assets | 0.2108% | 5,154 |
| Noninterest expense to average assets | 2.7120% | 3,310 |
| Loan and lease loss provision to assets | 0.0255% | 3,848 |
| Net operating income to assets | 0.4424% | 4,820 |
| Return on assets (ROA) | 0.4451% | 4,893 |
| Pretax return on assets | 0.6137% | 4,746 |
| Return on Equity (ROE) | 2.8815% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.8815% | 3,845 |
| Net charge-offs to loans | -0.0118% | 4,980 |
| Credit loss provision to net charge-offs | -294.1176% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0172% | 1,303 |
| Assets per employee ($millions) | 5.4244% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2739% | 5,808 |
| Loan loss allowance to noncurrent loans | 79.7226% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 4,061 |
| Noncurrent loans to loans | 0.3435% | 3,904 |
| Net loans and leases to total assets | 73.6637% | 1,904 |
| Net loans and leases to deposits | 91.9532% | 1,462 |
| Net loans and leases to core deposits | 93.1622% | 2,193 |
| Total domestic deposits to total assets | 80.1099% | 4,549 |
| Equity capital to assets | 15.3827% | 585 |
| Core capital (leverage) ratio | 15.7312% | 495 |
| Tier 1 risk-based capital ratio | 26.1968% | 687 |
| Total risk-based capital ratio | 26.5519% | 733 |
| Memoranda: | ||
| Average total assets | $588,579,800 | 1,192 |
| Average earning assets | $537,988,800 | 1,196 |
| Average equity | $90,926,400 | 882 |
| Average total loans | $432,723,400 | 1,128 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,281 |
| Cost of funding earning assets | 0.5704% | 1,542 |
| Net interest margin | 3.4152% | 3,798 |
| Noninterest income to average assets | 0.1971% | 5,281 |
| Noninterest expense to average assets | 2.7034% | 3,336 |
| Loan and lease loss provision to assets | 0.0227% | 3,790 |
| Net operating income to assets | 0.4313% | 4,929 |
| Return on assets (ROA) | 0.4317% | 5,013 |
| Pretax return on assets | 0.5921% | 4,900 |
| Return on Equity (ROE) | 2.7912% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.7912% | 4,220 |
| Net charge-offs to loans | -0.0158% | 4,929 |
| Credit loss provision to net charge-offs | -196.0784% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4812% | 1,250 |
| Assets per employee ($millions) | 5.4856% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2723% | 5,868 |
| Loan loss allowance to noncurrent loans | 160.6952% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,992 |
| Noncurrent loans to loans | 0.1694% | 4,680 |
| Net loans and leases to total assets | 75.0074% | 1,701 |
| Net loans and leases to deposits | 94.0600% | 1,247 |
| Net loans and leases to core deposits | 95.2113% | 2,077 |
| Total domestic deposits to total assets | 79.7442% | 4,568 |
| Equity capital to assets | 15.6760% | 600 |
| Core capital (leverage) ratio | 15.7752% | 515 |
| Tier 1 risk-based capital ratio | 26.1027% | 705 |
| Total risk-based capital ratio | 26.4451% | 778 |
| Memoranda: | ||
| Average total assets | $586,553,500 | 1,195 |
| Average earning assets | $535,989,250 | 1,199 |
| Average equity | $90,711,500 | 890 |
| Average total loans | $430,717,500 | 1,129 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,412 |
| Cost of funding earning assets | 0.5829% | 1,448 |
| Net interest margin | 3.3700% | 4,000 |
| Noninterest income to average assets | 0.1849% | 5,389 |
| Noninterest expense to average assets | 2.7209% | 3,308 |
| Loan and lease loss provision to assets | 0.0341% | 3,469 |
| Net operating income to assets | 0.3784% | 5,097 |
| Return on assets (ROA) | 0.3789% | 5,177 |
| Pretax return on assets | 0.5123% | 5,106 |
| Return on Equity (ROE) | 2.4613% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.4613% | 4,318 |
| Net charge-offs to loans | -0.0239% | 5,026 |
| Credit loss provision to net charge-offs | -196.0784% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2951% | 1,114 |
| Assets per employee ($millions) | 5.3824% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2759% | 5,946 |
| Loan loss allowance to noncurrent loans | 273.1818% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 4,127 |
| Noncurrent loans to loans | 0.1010% | 5,048 |
| Net loans and leases to total assets | 74.7294% | 1,698 |
| Net loans and leases to deposits | 93.7713% | 1,310 |
| Net loans and leases to core deposits | 94.9811% | 2,067 |
| Total domestic deposits to total assets | 79.6932% | 4,628 |
| Equity capital to assets | 15.7105% | 590 |
| Core capital (leverage) ratio | 15.6725% | 501 |
| Tier 1 risk-based capital ratio | 26.0594% | 722 |
| Total risk-based capital ratio | 26.4042% | 783 |
| Memoranda: | ||
| Average total assets | $586,420,000 | 1,198 |
| Average earning assets | $536,257,000 | 1,209 |
| Average equity | $90,278,330 | 890 |
| Average total loans | $427,136,330 | 1,143 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,688 |
| Cost of funding earning assets | 0.6028% | 1,314 |
| Net interest margin | 3.2694% | 4,333 |
| Noninterest income to average assets | 0.1990% | 5,314 |
| Noninterest expense to average assets | 2.7559% | 3,217 |
| Loan and lease loss provision to assets | 0.0679% | 2,598 |
| Net operating income to assets | 0.2832% | 5,350 |
| Return on assets (ROA) | 0.2832% | 5,427 |
| Pretax return on assets | 0.3661% | 5,368 |
| Return on Equity (ROE) | 1.8584% | 5,530 |
| Retained earnings to average equity (ytd only) | 1.8584% | 4,517 |
| Net charge-offs to loans | 0.0482% | 2,077 |
| Credit loss provision to net charge-offs | 196.0784% | 1,097 |
| Earnings coverage of net charge-offs (x) | 12.5294% | 1,786 |
| Efficiency ratio | 86.3956% | 945 |
| Assets per employee ($millions) | 5.5892% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2600% | 6,020 |
| Loan loss allowance to noncurrent loans | 218.4524% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,987 |
| Noncurrent loans to loans | 0.1190% | 4,999 |
| Net loans and leases to total assets | 71.2993% | 2,143 |
| Net loans and leases to deposits | 89.0361% | 1,697 |
| Net loans and leases to core deposits | 90.4536% | 2,328 |
| Total domestic deposits to total assets | 80.0791% | 4,728 |
| Equity capital to assets | 15.2502% | 645 |
| Core capital (leverage) ratio | 15.3347% | 556 |
| Tier 1 risk-based capital ratio | 26.4608% | 702 |
| Total risk-based capital ratio | 26.7839% | 758 |
| Memoranda: | ||
| Average total assets | $588,980,500 | 1,199 |
| Average earning assets | $538,821,500 | 1,204 |
| Average equity | $89,755,000 | 889 |
| Average total loans | $422,903,000 | 1,149 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,430 |
| Cost of funding earning assets | 0.6546% | 1,048 |
| Net interest margin | 3.3159% | 4,224 |
| Noninterest income to average assets | 0.2070% | 5,356 |
| Noninterest expense to average assets | 2.5480% | 4,077 |
| Loan and lease loss provision to assets | 0.0552% | 3,208 |
| Net operating income to assets | 0.4615% | 4,840 |
| Return on assets (ROA) | 0.4615% | 4,916 |
| Pretax return on assets | 0.6359% | 4,716 |
| Return on Equity (ROE) | 3.0134% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.0134% | 3,911 |
| Net charge-offs to loans | 0.0509% | 3,183 |
| Credit loss provision to net charge-offs | 153.1401% | 1,744 |
| Earnings coverage of net charge-offs (x) | 19.1643% | 1,968 |
| Efficiency ratio | 78.6629% | 1,865 |
| Assets per employee ($millions) | 5.7971% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2491% | 6,078 |
| Loan loss allowance to noncurrent loans | 58.5420% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,176 |
| Noncurrent loans to loans | 0.4255% | 3,931 |
| Net loans and leases to total assets | 71.9441% | 2,062 |
| Net loans and leases to deposits | 89.7297% | 1,644 |
| Net loans and leases to core deposits | 91.0815% | 2,306 |
| Total domestic deposits to total assets | 80.1786% | 4,702 |
| Equity capital to assets | 15.2278% | 637 |
| Core capital (leverage) ratio | 15.4583% | 539 |
| Tier 1 risk-based capital ratio | 26.1026% | 737 |
| Total risk-based capital ratio | 26.4086% | 788 |
| Memoranda: | ||
| Average total assets | $573,985,400 | 1,189 |
| Average earning assets | $524,864,200 | 1,203 |
| Average equity | $87,908,800 | 868 |
| Average total loans | $407,064,200 | 1,138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,501 |
| Cost of funding earning assets | 0.6570% | 1,054 |
| Net interest margin | 3.3021% | 4,332 |
| Noninterest income to average assets | 0.2071% | 5,407 |
| Noninterest expense to average assets | 2.5242% | 4,122 |
| Loan and lease loss provision to assets | 0.0507% | 3,193 |
| Net operating income to assets | 0.4730% | 4,882 |
| Return on assets (ROA) | 0.4730% | 4,985 |
| Pretax return on assets | 0.6528% | 4,819 |
| Return on Equity (ROE) | 3.0838% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.0838% | 4,257 |
| Net charge-offs to loans | 0.0185% | 3,573 |
| Credit loss provision to net charge-offs | 387.5000% | 779 |
| Earnings coverage of net charge-offs (x) | 53.8070% | 996 |
| Efficiency ratio | 78.2061% | 1,920 |
| Assets per employee ($millions) | 5.6384% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2644% | 6,159 |
| Loan loss allowance to noncurrent loans | 49.1525% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 3,123 |
| Noncurrent loans to loans | 0.5380% | 3,729 |
| Net loans and leases to total assets | 71.5664% | 2,127 |
| Net loans and leases to deposits | 89.4215% | 1,719 |
| Net loans and leases to core deposits | 90.6267% | 2,400 |
| Total domestic deposits to total assets | 80.0327% | 4,749 |
| Equity capital to assets | 15.3285% | 673 |
| Core capital (leverage) ratio | 15.3964% | 574 |
| Tier 1 risk-based capital ratio | 26.1921% | 749 |
| Total risk-based capital ratio | 26.5163% | 812 |
| Memoranda: | ||
| Average total assets | $571,104,500 | 1,201 |
| Average earning assets | $522,400,000 | 1,212 |
| Average equity | $87,596,000 | 877 |
| Average total loans | $403,257,500 | 1,146 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 3,548 |
| Cost of funding earning assets | 0.6525% | 1,087 |
| Net interest margin | 3.2839% | 4,358 |
| Noninterest income to average assets | 0.2279% | 5,336 |
| Noninterest expense to average assets | 2.5509% | 4,066 |
| Loan and lease loss provision to assets | 0.0764% | 2,592 |
| Net operating income to assets | 0.4406% | 5,004 |
| Return on assets (ROA) | 0.4406% | 5,098 |
| Pretax return on assets | 0.6033% | 4,967 |
| Return on Equity (ROE) | 2.8719% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.8719% | 4,209 |
| Net charge-offs to loans | 0.0206% | 3,269 |
| Credit loss provision to net charge-offs | 529.2683% | 605 |
| Earnings coverage of net charge-offs (x) | 47.0732% | 1,000 |
| Efficiency ratio | 78.9600% | 1,923 |
| Assets per employee ($millions) | 5.9423% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2687% | 6,226 |
| Loan loss allowance to noncurrent loans | 49.1213% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 3,283 |
| Noncurrent loans to loans | 0.5470% | 3,814 |
| Net loans and leases to total assets | 71.9873% | 1,980 |
| Net loans and leases to deposits | 89.7921% | 1,623 |
| Net loans and leases to core deposits | 90.9566% | 2,248 |
| Total domestic deposits to total assets | 80.1710% | 4,825 |
| Equity capital to assets | 15.2148% | 664 |
| Core capital (leverage) ratio | 15.4068% | 557 |
| Tier 1 risk-based capital ratio | 26.2782% | 755 |
| Total risk-based capital ratio | 26.6108% | 817 |
| Memoranda: | ||
| Average total assets | $567,888,000 | 1,211 |
| Average earning assets | $519,253,670 | 1,227 |
| Average equity | $87,121,000 | 887 |
| Average total loans | $398,767,670 | 1,156 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,667 |
| Cost of funding earning assets | 0.6344% | 1,207 |
| Net interest margin | 3.2544% | 4,405 |
| Noninterest income to average assets | 0.2001% | 5,520 |
| Noninterest expense to average assets | 2.5605% | 4,062 |
| Loan and lease loss provision to assets | 0.1540% | 1,321 |
| Net operating income to assets | 0.3428% | 5,272 |
| Return on assets (ROA) | 0.3428% | 5,387 |
| Pretax return on assets | 0.4563% | 5,295 |
| Return on Equity (ROE) | 2.2250% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.2250% | 4,571 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7520% | 1,793 |
| Assets per employee ($millions) | 5.7913% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2871% | 6,299 |
| Loan loss allowance to noncurrent loans | 68.9471% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 3,669 |
| Noncurrent loans to loans | 0.4165% | 4,342 |
| Net loans and leases to total assets | 69.4974% | 2,202 |
| Net loans and leases to deposits | 86.7887% | 1,736 |
| Net loans and leases to core deposits | 87.5150% | 2,375 |
| Total domestic deposits to total assets | 80.0766% | 5,035 |
| Equity capital to assets | 15.0922% | 699 |
| Core capital (leverage) ratio | 15.0287% | 607 |
| Tier 1 risk-based capital ratio | 26.9279% | 720 |
| Total risk-based capital ratio | 27.2843% | 765 |
| Memoranda: | ||
| Average total assets | $563,632,500 | 1,226 |
| Average earning assets | $514,509,000 | 1,238 |
| Average equity | $86,832,500 | 888 |
| Average total loans | $390,125,500 | 1,177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,979 |
| Cost of funding earning assets | 0.6497% | 1,410 |
| Net interest margin | 3.2881% | 4,623 |
| Noninterest income to average assets | 0.2170% | 5,554 |
| Noninterest expense to average assets | 2.5088% | 4,518 |
| Loan and lease loss provision to assets | 0.0319% | 3,962 |
| Net operating income to assets | 0.4891% | 4,852 |
| Return on assets (ROA) | 0.5213% | 4,811 |
| Pretax return on assets | 0.7207% | 4,554 |
| Return on Equity (ROE) | 3.3975% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.3975% | 3,794 |
| Net charge-offs to loans | 0.0266% | 4,292 |
| Credit loss provision to net charge-offs | 182.2917% | 1,333 |
| Earnings coverage of net charge-offs (x) | 40.4479% | 1,078 |
| Efficiency ratio | 77.9913% | 2,213 |
| Assets per employee ($millions) | 5.7098% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2501% | 6,401 |
| Loan loss allowance to noncurrent loans | 55.0877% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 3,557 |
| Noncurrent loans to loans | 0.4540% | 4,289 |
| Net loans and leases to total assets | 68.5360% | 2,487 |
| Net loans and leases to deposits | 81.7277% | 2,507 |
| Net loans and leases to core deposits | 82.2705% | 3,072 |
| Total domestic deposits to total assets | 83.8590% | 3,781 |
| Equity capital to assets | 15.7373% | 572 |
| Core capital (leverage) ratio | 16.0468% | 464 |
| Tier 1 risk-based capital ratio | 29.1748% | 550 |
| Total risk-based capital ratio | 29.4904% | 590 |
| Memoranda: | ||
| Average total assets | $548,478,200 | 1,219 |
| Average earning assets | $500,375,800 | 1,230 |
| Average equity | $84,151,200 | 879 |
| Average total loans | $361,066,200 | 1,230 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 4,073 |
| Cost of funding earning assets | 0.6612% | 1,383 |
| Net interest margin | 3.2643% | 4,744 |
| Noninterest income to average assets | 0.2139% | 5,654 |
| Noninterest expense to average assets | 2.4840% | 4,578 |
| Loan and lease loss provision to assets | 0.0365% | 3,675 |
| Net operating income to assets | 0.4858% | 4,920 |
| Return on assets (ROA) | 0.5189% | 4,869 |
| Pretax return on assets | 0.7175% | 4,647 |
| Return on Equity (ROE) | 3.4041% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.4041% | 4,200 |
| Net charge-offs to loans | 0.0358% | 3,769 |
| Credit loss provision to net charge-offs | 156.2500% | 1,531 |
| Earnings coverage of net charge-offs (x) | 30.3430% | 1,360 |
| Efficiency ratio | 77.8192% | 2,209 |
| Assets per employee ($millions) | 5.5913% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2471% | 6,480 |
| Loan loss allowance to noncurrent loans | 60.1706% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 3,897 |
| Noncurrent loans to loans | 0.4107% | 4,672 |
| Net loans and leases to total assets | 68.2522% | 2,490 |
| Net loans and leases to deposits | 81.2311% | 2,518 |
| Net loans and leases to core deposits | 81.7283% | 3,123 |
| Total domestic deposits to total assets | 84.0222% | 3,752 |
| Equity capital to assets | 15.6799% | 608 |
| Core capital (leverage) ratio | 15.7893% | 510 |
| Tier 1 risk-based capital ratio | 28.9115% | 585 |
| Total risk-based capital ratio | 29.2186% | 628 |
| Memoranda: | ||
| Average total assets | $548,563,500 | 1,226 |
| Average earning assets | $500,468,750 | 1,240 |
| Average equity | $83,623,500 | 882 |
| Average total loans | $357,179,500 | 1,243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 4,194 |
| Cost of funding earning assets | 0.6684% | 1,392 |
| Net interest margin | 3.2170% | 4,887 |
| Noninterest income to average assets | 0.2147% | 5,664 |
| Noninterest expense to average assets | 2.3678% | 4,975 |
| Loan and lease loss provision to assets | 0.0272% | 3,723 |
| Net operating income to assets | 0.5397% | 4,653 |
| Return on assets (ROA) | 0.5884% | 4,508 |
| Pretax return on assets | 0.8234% | 4,185 |
| Return on Equity (ROE) | 3.8965% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.8965% | 3,700 |
| Net charge-offs to loans | 0.0545% | 3,182 |
| Credit loss provision to net charge-offs | 78.1250% | 2,355 |
| Earnings coverage of net charge-offs (x) | 22.4271% | 1,510 |
| Efficiency ratio | 75.1730% | 2,783 |
| Assets per employee ($millions) | 5.5736% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2297% | 6,560 |
| Loan loss allowance to noncurrent loans | 57.9092% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 4,077 |
| Noncurrent loans to loans | 0.3967% | 4,801 |
| Net loans and leases to total assets | 66.9484% | 2,594 |
| Net loans and leases to deposits | 79.4780% | 2,585 |
| Net loans and leases to core deposits | 80.0285% | 3,212 |
| Total domestic deposits to total assets | 84.2352% | 3,840 |
| Equity capital to assets | 15.5169% | 613 |
| Core capital (leverage) ratio | 15.5856% | 532 |
| Tier 1 risk-based capital ratio | 28.9018% | 585 |
| Total risk-based capital ratio | 29.1853% | 635 |
| Memoranda: | ||
| Average total assets | $550,632,000 | 1,212 |
| Average earning assets | $502,400,670 | 1,227 |
| Average equity | $83,151,000 | 883 |
| Average total loans | $352,543,330 | 1,248 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,256 |
| Cost of funding earning assets | 0.6711% | 1,434 |
| Net interest margin | 3.1874% | 4,959 |
| Noninterest income to average assets | 0.1693% | 5,958 |
| Noninterest expense to average assets | 2.1901% | 5,483 |
| Loan and lease loss provision to assets | 0.0543% | 3,030 |
| Net operating income to assets | 0.5874% | 4,250 |
| Return on assets (ROA) | 0.6845% | 3,838 |
| Pretax return on assets | 0.9688% | 3,445 |
| Return on Equity (ROE) | 4.5951% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.5951% | 3,364 |
| Net charge-offs to loans | 0.0741% | 2,406 |
| Credit loss provision to net charge-offs | 117.1875% | 1,484 |
| Earnings coverage of net charge-offs (x) | 19.1406% | 1,390 |
| Efficiency ratio | 71.1900% | 3,629 |
| Assets per employee ($millions) | 5.8359% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2531% | 6,622 |
| Loan loss allowance to noncurrent loans | 47.3456% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 3,903 |
| Noncurrent loans to loans | 0.5347% | 4,571 |
| Net loans and leases to total assets | 62.1180% | 3,221 |
| Net loans and leases to deposits | 73.3299% | 3,150 |
| Net loans and leases to core deposits | 73.9092% | 3,656 |
| Total domestic deposits to total assets | 84.7104% | 3,994 |
| Equity capital to assets | 14.9929% | 677 |
| Core capital (leverage) ratio | 15.3575% | 559 |
| Tier 1 risk-based capital ratio | 29.8156% | 535 |
| Total risk-based capital ratio | 30.1217% | 572 |
| Memoranda: | ||
| Average total assets | $552,843,000 | 1,214 |
| Average earning assets | $504,235,500 | 1,228 |
| Average equity | $82,349,000 | 891 |
| Average total loans | $345,554,500 | 1,270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,478 |
| Cost of funding earning assets | 0.7397% | 1,564 |
| Net interest margin | 3.1558% | 5,143 |
| Noninterest income to average assets | 0.2095% | 5,829 |
| Noninterest expense to average assets | 2.3624% | 5,196 |
| Loan and lease loss provision to assets | 0.0488% | 4,155 |
| Net operating income to assets | 0.5389% | 4,563 |
| Return on assets (ROA) | 0.5389% | 4,686 |
| Pretax return on assets | 0.6989% | 4,545 |
| Return on Equity (ROE) | 3.6397% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.6397% | 3,634 |
| Net charge-offs to loans | 0.1641% | 3,169 |
| Credit loss provision to net charge-offs | 47.8648% | 3,866 |
| Earnings coverage of net charge-offs (x) | 7.3345% | 2,866 |
| Efficiency ratio | 75.9594% | 2,777 |
| Assets per employee ($millions) | 5.8646% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2495% | 6,699 |
| Loan loss allowance to noncurrent loans | 54.0388% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 4,037 |
| Noncurrent loans to loans | 0.4618% | 4,843 |
| Net loans and leases to total assets | 62.5791% | 3,279 |
| Net loans and leases to deposits | 73.6857% | 3,311 |
| Net loans and leases to core deposits | 74.2813% | 3,812 |
| Total domestic deposits to total assets | 84.9270% | 3,782 |
| Equity capital to assets | 14.7976% | 709 |
| Core capital (leverage) ratio | 15.3011% | 566 |
| Tier 1 risk-based capital ratio | 29.2424% | 538 |
| Total risk-based capital ratio | 29.5421% | 580 |
| Memoranda: | ||
| Average total assets | $551,296,200 | 1,203 |
| Average earning assets | $506,710,200 | 1,199 |
| Average equity | $81,626,600 | 873 |
| Average total loans | $342,505,200 | 1,253 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 4,483 |
| Cost of funding earning assets | 0.7476% | 1,620 |
| Net interest margin | 3.1579% | 5,120 |
| Noninterest income to average assets | 0.2075% | 5,931 |
| Noninterest expense to average assets | 2.3382% | 5,220 |
| Loan and lease loss provision to assets | 0.0469% | 4,078 |
| Net operating income to assets | 0.5700% | 4,474 |
| Return on assets (ROA) | 0.5700% | 4,618 |
| Pretax return on assets | 0.7309% | 4,576 |
| Return on Equity (ROE) | 3.8494% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.8494% | 3,940 |
| Net charge-offs to loans | 0.2189% | 2,510 |
| Credit loss provision to net charge-offs | 34.5811% | 3,813 |
| Earnings coverage of net charge-offs (x) | 5.7326% | 3,115 |
| Efficiency ratio | 75.0388% | 2,896 |
| Assets per employee ($millions) | 6.1030% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2308% | 6,781 |
| Loan loss allowance to noncurrent loans | 53.2792% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 4,292 |
| Noncurrent loans to loans | 0.4332% | 5,113 |
| Net loans and leases to total assets | 62.0096% | 3,358 |
| Net loans and leases to deposits | 73.0266% | 3,399 |
| Net loans and leases to core deposits | 73.5662% | 3,902 |
| Total domestic deposits to total assets | 84.9137% | 3,785 |
| Equity capital to assets | 14.8716% | 736 |
| Core capital (leverage) ratio | 15.1739% | 612 |
| Tier 1 risk-based capital ratio | 29.2554% | 553 |
| Total risk-based capital ratio | 29.5312% | 597 |
| Memoranda: | ||
| Average total assets | $551,301,000 | 1,212 |
| Average earning assets | $507,748,250 | 1,211 |
| Average equity | $81,639,250 | 878 |
| Average total loans | $341,669,750 | 1,252 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 4,346 |
| Cost of funding earning assets | 0.7542% | 1,677 |
| Net interest margin | 3.1781% | 5,016 |
| Noninterest income to average assets | 0.2109% | 5,934 |
| Noninterest expense to average assets | 2.3370% | 5,252 |
| Loan and lease loss provision to assets | 0.0341% | 4,262 |
| Net operating income to assets | 0.6200% | 4,198 |
| Return on assets (ROA) | 0.6200% | 4,358 |
| Pretax return on assets | 0.7743% | 4,414 |
| Return on Equity (ROE) | 4.1924% | 5,140 |
| Retained earnings to average equity (ytd only) | 4.1924% | 3,626 |
| Net charge-offs to loans | 0.0890% | 3,479 |
| Credit loss provision to net charge-offs | 61.8421% | 2,984 |
| Earnings coverage of net charge-offs (x) | 14.6776% | 1,805 |
| Efficiency ratio | 74.3002% | 3,077 |
| Assets per employee ($millions) | 5.9452% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 6,802 |
| Loan loss allowance to noncurrent loans | 31.8261% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 4,130 |
| Noncurrent loans to loans | 1.0196% | 3,897 |
| Net loans and leases to total assets | 61.6645% | 3,363 |
| Net loans and leases to deposits | 72.5471% | 3,371 |
| Net loans and leases to core deposits | 73.1370% | 3,911 |
| Total domestic deposits to total assets | 84.9993% | 3,892 |
| Equity capital to assets | 14.7791% | 765 |
| Core capital (leverage) ratio | 15.1059% | 594 |
| Tier 1 risk-based capital ratio | 29.6978% | 539 |
| Total risk-based capital ratio | 30.0911% | 568 |
| Memoranda: | ||
| Average total assets | $551,978,670 | 1,215 |
| Average earning assets | $509,670,000 | 1,206 |
| Average equity | $81,624,000 | 882 |
| Average total loans | $341,764,000 | 1,241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 4,136 |
| Cost of funding earning assets | 0.7575% | 1,789 |
| Net interest margin | 3.2376% | 4,767 |
| Noninterest income to average assets | 0.1840% | 6,158 |
| Noninterest expense to average assets | 2.2976% | 5,429 |
| Loan and lease loss provision to assets | 0.0678% | 3,504 |
| Net operating income to assets | 0.7098% | 3,643 |
| Return on assets (ROA) | 0.7098% | 3,779 |
| Pretax return on assets | 0.8094% | 4,135 |
| Return on Equity (ROE) | 4.7989% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.7989% | 3,360 |
| Net charge-offs to loans | 0.1130% | 2,751 |
| Credit loss provision to net charge-offs | 96.9072% | 1,915 |
| Earnings coverage of net charge-offs (x) | 12.5361% | 1,591 |
| Efficiency ratio | 72.3699% | 3,552 |
| Assets per employee ($millions) | 5.9657% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3388% | 6,880 |
| Loan loss allowance to noncurrent loans | 30.1123% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9901% | 3,949 |
| Noncurrent loans to loans | 1.1250% | 3,904 |
| Net loans and leases to total assets | 61.1360% | 3,235 |
| Net loans and leases to deposits | 72.2208% | 3,156 |
| Net loans and leases to core deposits | 72.8969% | 3,711 |
| Total domestic deposits to total assets | 84.6516% | 4,199 |
| Equity capital to assets | 14.8625% | 787 |
| Core capital (leverage) ratio | 14.8160% | 618 |
| Tier 1 risk-based capital ratio | 29.7235% | 546 |
| Total risk-based capital ratio | 30.1404% | 580 |
| Memoranda: | ||
| Average total assets | $554,487,500 | 1,217 |
| Average earning assets | $512,227,500 | 1,218 |
| Average equity | $82,018,000 | 888 |
| Average total loans | $343,456,500 | 1,235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 4,533 |
| Cost of funding earning assets | 0.9847% | 1,434 |
| Net interest margin | 3.2289% | 5,498 |
| Noninterest income to average assets | 0.2131% | 5,899 |
| Noninterest expense to average assets | 2.2899% | 5,715 |
| Loan and lease loss provision to assets | 0.0855% | 4,635 |
| Net operating income to assets | 0.5855% | 4,305 |
| Return on assets (ROA) | 0.6178% | 4,420 |
| Pretax return on assets | 0.8630% | 4,058 |
| Return on Equity (ROE) | 4.3131% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.3131% | 3,187 |
| Net charge-offs to loans | 0.1885% | 3,868 |
| Credit loss provision to net charge-offs | 70.8955% | 4,132 |
| Earnings coverage of net charge-offs (x) | 7.4925% | 2,588 |
| Efficiency ratio | 71.7040% | 3,473 |
| Assets per employee ($millions) | 6.2266% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3333% | 6,933 |
| Loan loss allowance to noncurrent loans | 22.2715% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 3,548 |
| Noncurrent loans to loans | 1.4964% | 3,359 |
| Net loans and leases to total assets | 62.3309% | 3,203 |
| Net loans and leases to deposits | 73.5082% | 3,171 |
| Net loans and leases to core deposits | 74.0989% | 3,770 |
| Total domestic deposits to total assets | 84.7945% | 3,944 |
| Equity capital to assets | 14.7208% | 814 |
| Core capital (leverage) ratio | 14.6569% | 640 |
| Tier 1 risk-based capital ratio | 29.2459% | 543 |
| Total risk-based capital ratio | 29.6618% | 582 |
| Memoranda: | ||
| Average total assets | $555,526,200 | 1,205 |
| Average earning assets | $512,771,000 | 1,183 |
| Average equity | $79,572,400 | 883 |
| Average total loans | $355,461,600 | 1,174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 4,656 |
| Cost of funding earning assets | 1.0335% | 1,375 |
| Net interest margin | 3.2140% | 5,665 |
| Noninterest income to average assets | 0.2147% | 6,002 |
| Noninterest expense to average assets | 2.2926% | 5,703 |
| Loan and lease loss provision to assets | 0.0777% | 4,666 |
| Net operating income to assets | 0.5992% | 4,400 |
| Return on assets (ROA) | 0.5992% | 4,662 |
| Pretax return on assets | 0.8102% | 4,445 |
| Return on Equity (ROE) | 4.2121% | 5,191 |
| Retained earnings to average equity (ytd only) | 4.2121% | 3,928 |
| Net charge-offs to loans | 0.0425% | 5,058 |
| Credit loss provision to net charge-offs | 284.2105% | 953 |
| Earnings coverage of net charge-offs (x) | 32.4729% | 1,029 |
| Efficiency ratio | 72.0814% | 3,312 |
| Assets per employee ($millions) | 6.2002% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 6,982 |
| Loan loss allowance to noncurrent loans | 28.1566% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 3,622 |
| Noncurrent loans to loans | 1.5989% | 3,391 |
| Net loans and leases to total assets | 62.5514% | 3,290 |
| Net loans and leases to deposits | 73.5708% | 3,361 |
| Net loans and leases to core deposits | 74.2975% | 3,940 |
| Total domestic deposits to total assets | 85.0220% | 3,732 |
| Equity capital to assets | 14.5537% | 952 |
| Core capital (leverage) ratio | 14.5537% | 696 |
| Tier 1 risk-based capital ratio | 28.8289% | 597 |
| Total risk-based capital ratio | 29.3892% | 629 |
| Memoranda: | ||
| Average total assets | $555,867,000 | 1,212 |
| Average earning assets | $512,956,750 | 1,199 |
| Average equity | $79,071,250 | 890 |
| Average total loans | $357,684,500 | 1,169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 4,653 |
| Cost of funding earning assets | 1.0650% | 1,383 |
| Net interest margin | 3.2138% | 5,693 |
| Noninterest income to average assets | 0.2250% | 5,959 |
| Noninterest expense to average assets | 2.3269% | 5,667 |
| Loan and lease loss provision to assets | 0.1080% | 4,171 |
| Net operating income to assets | 0.5947% | 4,389 |
| Return on assets (ROA) | 0.5947% | 4,647 |
| Pretax return on assets | 0.7555% | 4,624 |
| Return on Equity (ROE) | 4.2132% | 5,172 |
| Retained earnings to average equity (ytd only) | 4.2132% | 3,807 |
| Net charge-offs to loans | 0.0504% | 4,697 |
| Credit loss provision to net charge-offs | 330.7692% | 896 |
| Earnings coverage of net charge-offs (x) | 26.4396% | 1,165 |
| Efficiency ratio | 72.9328% | 3,252 |
| Assets per employee ($millions) | 6.0910% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4412% | 7,054 |
| Loan loss allowance to noncurrent loans | 27.3860% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3834% | 3,656 |
| Noncurrent loans to loans | 1.6112% | 3,492 |
| Net loans and leases to total assets | 63.5436% | 3,135 |
| Net loans and leases to deposits | 74.5215% | 3,206 |
| Net loans and leases to core deposits | 75.2557% | 3,844 |
| Total domestic deposits to total assets | 85.2689% | 3,727 |
| Equity capital to assets | 14.3366% | 962 |
| Core capital (leverage) ratio | 14.3366% | 725 |
| Tier 1 risk-based capital ratio | 28.0327% | 643 |
| Total risk-based capital ratio | 28.5833% | 680 |
| Memoranda: | ||
| Average total assets | $557,217,000 | 1,214 |
| Average earning assets | $514,154,330 | 1,192 |
| Average equity | $78,658,330 | 887 |
| Average total loans | $361,336,000 | 1,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 4,721 |
| Cost of funding earning assets | 1.0942% | 1,432 |
| Net interest margin | 3.2089% | 5,762 |
| Noninterest income to average assets | 0.1955% | 6,217 |
| Noninterest expense to average assets | 2.2617% | 5,875 |
| Loan and lease loss provision to assets | 0.2155% | 2,787 |
| Net operating income to assets | 0.6401% | 4,173 |
| Return on assets (ROA) | 0.6401% | 4,383 |
| Pretax return on assets | 0.6787% | 4,864 |
| Return on Equity (ROE) | 4.5697% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.5697% | 3,841 |
| Net charge-offs to loans | 0.0997% | 3,537 |
| Credit loss provision to net charge-offs | 330.7692% | 910 |
| Earnings coverage of net charge-offs (x) | 13.7253% | 1,518 |
| Efficiency ratio | 71.6652% | 3,502 |
| Assets per employee ($millions) | 6.0642% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4307% | 7,114 |
| Loan loss allowance to noncurrent loans | 30.4704% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 3,838 |
| Noncurrent loans to loans | 1.4136% | 3,987 |
| Net loans and leases to total assets | 64.6769% | 2,721 |
| Net loans and leases to deposits | 75.7540% | 2,835 |
| Net loans and leases to core deposits | 76.4441% | 3,565 |
| Total domestic deposits to total assets | 85.3776% | 3,847 |
| Equity capital to assets | 14.1069% | 985 |
| Core capital (leverage) ratio | 14.1069% | 776 |
| Tier 1 risk-based capital ratio | 28.2698% | 618 |
| Total risk-based capital ratio | 28.8305% | 660 |
| Memoranda: | ||
| Average total assets | $558,684,500 | 1,215 |
| Average earning assets | $515,436,500 | 1,191 |
| Average equity | $78,255,000 | 887 |
| Average total loans | $365,118,000 | 1,152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 5,112 |
| Cost of funding earning assets | 1.2751% | 1,592 |
| Net interest margin | 3.2157% | 6,044 |
| Noninterest income to average assets | 0.2030% | 6,049 |
| Noninterest expense to average assets | 2.2234% | 6,221 |
| Loan and lease loss provision to assets | 0.1247% | 5,050 |
| Net operating income to assets | 0.5541% | 4,212 |
| Return on assets (ROA) | 0.5541% | 4,399 |
| Pretax return on assets | 0.8280% | 3,875 |
| Return on Equity (ROE) | 4.0256% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.0256% | 3,326 |
| Net charge-offs to loans | 0.2611% | 4,142 |
| Credit loss provision to net charge-offs | 69.3467% | 4,874 |
| Earnings coverage of net charge-offs (x) | 5.2965% | 2,840 |
| Efficiency ratio | 70.0023% | 3,959 |
| Assets per employee ($millions) | 6.2162% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2409% | 7,243 |
| Loan loss allowance to noncurrent loans | 22.3512% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 4,210 |
| Noncurrent loans to loans | 1.0777% | 4,553 |
| Net loans and leases to total assets | 65.5902% | 2,856 |
| Net loans and leases to deposits | 77.6224% | 2,896 |
| Net loans and leases to core deposits | 78.4502% | 3,630 |
| Total domestic deposits to total assets | 84.4990% | 4,099 |
| Equity capital to assets | 13.9074% | 1,097 |
| Core capital (leverage) ratio | 13.9095% | 847 |
| Tier 1 risk-based capital ratio | 27.6817% | 646 |
| Total risk-based capital ratio | 27.9969% | 705 |
| Memoranda: | ||
| Average total assets | $553,117,000 | 1,193 |
| Average earning assets | $511,404,400 | 1,178 |
| Average equity | $76,136,800 | 881 |
| Average total loans | $381,147,800 | 1,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 5,204 |
| Cost of funding earning assets | 1.3011% | 1,692 |
| Net interest margin | 3.2176% | 6,118 |
| Noninterest income to average assets | 0.1963% | 6,191 |
| Noninterest expense to average assets | 2.2441% | 6,180 |
| Loan and lease loss provision to assets | 0.1668% | 4,391 |
| Net operating income to assets | 0.5176% | 4,466 |
| Return on assets (ROA) | 0.5176% | 4,653 |
| Pretax return on assets | 0.7613% | 4,273 |
| Return on Equity (ROE) | 3.7700% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.7700% | 4,056 |
| Net charge-offs to loans | 0.2736% | 3,723 |
| Credit loss provision to net charge-offs | 87.4525% | 3,871 |
| Earnings coverage of net charge-offs (x) | 4.8657% | 2,935 |
| Efficiency ratio | 70.7438% | 3,801 |
| Assets per employee ($millions) | 6.2000% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2890% | 7,295 |
| Loan loss allowance to noncurrent loans | 29.3233% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 4,673 |
| Noncurrent loans to loans | 0.9854% | 4,921 |
| Net loans and leases to total assets | 67.5281% | 2,567 |
| Net loans and leases to deposits | 79.7160% | 2,688 |
| Net loans and leases to core deposits | 80.5646% | 3,556 |
| Total domestic deposits to total assets | 84.7108% | 3,908 |
| Equity capital to assets | 13.7795% | 1,254 |
| Core capital (leverage) ratio | 13.7808% | 960 |
| Tier 1 risk-based capital ratio | 26.3061% | 805 |
| Total risk-based capital ratio | 26.6796% | 865 |
| Memoranda: | ||
| Average total assets | $551,531,500 | 1,205 |
| Average earning assets | $510,102,000 | 1,186 |
| Average equity | $75,719,500 | 897 |
| Average total loans | $384,475,750 | 1,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 5,194 |
| Cost of funding earning assets | 1.3136% | 1,861 |
| Net interest margin | 3.2309% | 6,062 |
| Noninterest income to average assets | 0.1897% | 6,311 |
| Noninterest expense to average assets | 2.2979% | 6,141 |
| Loan and lease loss provision to assets | 0.2512% | 3,392 |
| Net operating income to assets | 0.4471% | 4,732 |
| Return on assets (ROA) | 0.4471% | 4,872 |
| Pretax return on assets | 0.6331% | 4,638 |
| Return on Equity (ROE) | 3.2604% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.2604% | 4,188 |
| Net charge-offs to loans | 0.3993% | 2,962 |
| Credit loss provision to net charge-offs | 89.3782% | 3,468 |
| Earnings coverage of net charge-offs (x) | 3.1464% | 3,284 |
| Efficiency ratio | 72.2114% | 3,690 |
| Assets per employee ($millions) | 6.0360% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2907% | 7,355 |
| Loan loss allowance to noncurrent loans | 26.0757% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 4,703 |
| Noncurrent loans to loans | 1.1149% | 4,805 |
| Net loans and leases to total assets | 69.2470% | 2,367 |
| Net loans and leases to deposits | 81.7515% | 2,489 |
| Net loans and leases to core deposits | 82.5843% | 3,415 |
| Total domestic deposits to total assets | 84.7042% | 4,018 |
| Equity capital to assets | 13.8328% | 1,156 |
| Core capital (leverage) ratio | 13.8336% | 913 |
| Tier 1 risk-based capital ratio | 26.2459% | 793 |
| Total risk-based capital ratio | 26.6289% | 852 |
| Memoranda: | ||
| Average total assets | $549,374,670 | 1,219 |
| Average earning assets | $508,839,670 | 1,196 |
| Average equity | $75,329,330 | 899 |
| Average total loans | $386,667,670 | 1,130 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 5,355 |
| Cost of funding earning assets | 1.3263% | 2,032 |
| Net interest margin | 3.1684% | 6,171 |
| Noninterest income to average assets | 0.2009% | 6,287 |
| Noninterest expense to average assets | 2.2562% | 6,290 |
| Loan and lease loss provision to assets | 0.5023% | 1,733 |
| Net operating income to assets | 0.3232% | 5,295 |
| Return on assets (ROA) | 0.3232% | 5,373 |
| Pretax return on assets | 0.3764% | 5,408 |
| Return on Equity (ROE) | 2.3679% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.3679% | 4,729 |
| Net charge-offs to loans | 0.6063% | 1,984 |
| Credit loss provision to net charge-offs | 116.9492% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.0458% | 3,277 |
| Efficiency ratio | 71.9693% | 3,875 |
| Assets per employee ($millions) | 5.9858% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3360% | 7,384 |
| Loan loss allowance to noncurrent loans | 28.2309% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 4,633 |
| Noncurrent loans to loans | 1.1901% | 4,699 |
| Net loans and leases to total assets | 69.5390% | 2,214 |
| Net loans and leases to deposits | 81.9160% | 2,380 |
| Net loans and leases to core deposits | 82.6986% | 3,350 |
| Total domestic deposits to total assets | 84.8906% | 4,086 |
| Equity capital to assets | 13.6541% | 1,125 |
| Core capital (leverage) ratio | 13.6528% | 924 |
| Tier 1 risk-based capital ratio | 26.1810% | 770 |
| Total risk-based capital ratio | 26.6306% | 821 |
| Memoranda: | ||
| Average total assets | $549,424,000 | 1,229 |
| Average earning assets | $508,773,000 | 1,202 |
| Average equity | $75,004,000 | 892 |
| Average total loans | $389,268,500 | 1,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 4,324 |
| Cost of funding earning assets | 1.6515% | 1,824 |
| Net interest margin | 3.3970% | 5,643 |
| Noninterest income to average assets | 0.2404% | 6,081 |
| Noninterest expense to average assets | 2.1729% | 6,689 |
| Loan and lease loss provision to assets | 0.2225% | 5,050 |
| Net operating income to assets | 0.6562% | 3,410 |
| Return on assets (ROA) | 0.6562% | 3,554 |
| Pretax return on assets | 1.0111% | 2,899 |
| Return on Equity (ROE) | 4.7680% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.7680% | 2,564 |
| Net charge-offs to loans | 0.2275% | 4,920 |
| Credit loss provision to net charge-offs | 128.4624% | 3,118 |
| Earnings coverage of net charge-offs (x) | 7.1221% | 2,196 |
| Efficiency ratio | 63.7871% | 5,387 |
| Assets per employee ($millions) | 6.2290% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3021% | 7,481 |
| Loan loss allowance to noncurrent loans | 17.4813% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 4,428 |
| Noncurrent loans to loans | 1.7279% | 3,906 |
| Net loans and leases to total assets | 71.7149% | 2,164 |
| Net loans and leases to deposits | 85.7793% | 2,144 |
| Net loans and leases to core deposits | 86.7138% | 3,224 |
| Total domestic deposits to total assets | 83.6039% | 4,553 |
| Equity capital to assets | 13.6486% | 1,142 |
| Core capital (leverage) ratio | 13.6483% | 943 |
| Tier 1 risk-based capital ratio | 25.7711% | 776 |
| Total risk-based capital ratio | 26.1814% | 833 |
| Memoranda: | ||
| Average total assets | $529,424,200 | 1,262 |
| Average earning assets | $493,438,200 | 1,249 |
| Average equity | $72,860,400 | 916 |
| Average total loans | $403,067,000 | 1,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 4,345 |
| Cost of funding earning assets | 1.7171% | 1,785 |
| Net interest margin | 3.3783% | 5,751 |
| Noninterest income to average assets | 0.2406% | 6,170 |
| Noninterest expense to average assets | 2.1737% | 6,672 |
| Loan and lease loss provision to assets | 0.2620% | 4,489 |
| Net operating income to assets | 0.6225% | 3,783 |
| Return on assets (ROA) | 0.6225% | 3,953 |
| Pretax return on assets | 0.9584% | 3,337 |
| Return on Equity (ROE) | 4.5136% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.5136% | 3,333 |
| Net charge-offs to loans | 0.2862% | 4,224 |
| Credit loss provision to net charge-offs | 118.5057% | 3,499 |
| Earnings coverage of net charge-offs (x) | 5.5207% | 2,730 |
| Efficiency ratio | 64.0440% | 5,231 |
| Assets per employee ($millions) | 6.1319% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2703% | 7,606 |
| Loan loss allowance to noncurrent loans | 23.1487% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 5,163 |
| Noncurrent loans to loans | 1.1676% | 4,916 |
| Net loans and leases to total assets | 74.6052% | 1,661 |
| Net loans and leases to deposits | 89.8857% | 1,740 |
| Net loans and leases to core deposits | 90.8880% | 2,973 |
| Total domestic deposits to total assets | 83.0001% | 4,587 |
| Equity capital to assets | 13.6788% | 1,284 |
| Core capital (leverage) ratio | 13.6771% | 1,000 |
| Tier 1 risk-based capital ratio | 25.2735% | 843 |
| Total risk-based capital ratio | 25.6472% | 888 |
| Memoranda: | ||
| Average total assets | $524,742,750 | 1,283 |
| Average earning assets | $489,813,000 | 1,267 |
| Average equity | $72,371,750 | 923 |
| Average total loans | $405,259,750 | 1,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 4,330 |
| Cost of funding earning assets | 1.7758% | 1,741 |
| Net interest margin | 3.3476% | 5,844 |
| Noninterest income to average assets | 0.2486% | 6,130 |
| Noninterest expense to average assets | 2.2078% | 6,627 |
| Loan and lease loss provision to assets | 0.3736% | 3,472 |
| Net operating income to assets | 0.5194% | 4,242 |
| Return on assets (ROA) | 0.5194% | 4,398 |
| Pretax return on assets | 0.7984% | 3,887 |
| Return on Equity (ROE) | 3.7556% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.7556% | 3,704 |
| Net charge-offs to loans | 0.3992% | 3,382 |
| Credit loss provision to net charge-offs | 119.8765% | 3,395 |
| Earnings coverage of net charge-offs (x) | 3.7605% | 3,188 |
| Efficiency ratio | 65.3233% | 5,097 |
| Assets per employee ($millions) | 6.0552% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2691% | 7,675 |
| Loan loss allowance to noncurrent loans | 22.5553% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 5,100 |
| Noncurrent loans to loans | 1.1929% | 4,970 |
| Net loans and leases to total assets | 76.7623% | 1,336 |
| Net loans and leases to deposits | 92.7105% | 1,432 |
| Net loans and leases to core deposits | 93.6926% | 2,767 |
| Total domestic deposits to total assets | 82.7978% | 4,650 |
| Equity capital to assets | 13.7973% | 1,243 |
| Core capital (leverage) ratio | 13.7984% | 977 |
| Tier 1 risk-based capital ratio | 24.8403% | 856 |
| Total risk-based capital ratio | 25.2132% | 931 |
| Memoranda: | ||
| Average total assets | $519,789,330 | 1,300 |
| Average earning assets | $486,193,330 | 1,282 |
| Average equity | $71,892,000 | 920 |
| Average total loans | $405,792,000 | 1,134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 4,221 |
| Cost of funding earning assets | 1.8133% | 1,822 |
| Net interest margin | 3.3526% | 5,773 |
| Noninterest income to average assets | 0.2030% | 6,513 |
| Noninterest expense to average assets | 2.1438% | 6,823 |
| Loan and lease loss provision to assets | 0.7523% | 1,690 |
| Net operating income to assets | 0.3029% | 5,292 |
| Return on assets (ROA) | 0.3029% | 5,419 |
| Pretax return on assets | 0.4556% | 5,107 |
| Return on Equity (ROE) | 2.1875% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.1875% | 4,821 |
| Net charge-offs to loans | 0.8090% | 1,920 |
| Credit loss provision to net charge-offs | 118.2704% | 2,955 |
| Earnings coverage of net charge-offs (x) | 1.8989% | 3,592 |
| Efficiency ratio | 63.9621% | 5,501 |
| Assets per employee ($millions) | 6.1562% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2657% | 7,775 |
| Loan loss allowance to noncurrent loans | 47.4308% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 6,382 |
| Noncurrent loans to loans | 0.5603% | 6,177 |
| Net loans and leases to total assets | 77.4619% | 1,258 |
| Net loans and leases to deposits | 93.4224% | 1,416 |
| Net loans and leases to core deposits | 94.4761% | 2,770 |
| Total domestic deposits to total assets | 82.9158% | 4,667 |
| Equity capital to assets | 13.7007% | 1,242 |
| Core capital (leverage) ratio | 13.6976% | 1,027 |
| Tier 1 risk-based capital ratio | 24.5084% | 917 |
| Total risk-based capital ratio | 24.8777% | 975 |
| Memoranda: | ||
| Average total assets | $516,284,500 | 1,347 |
| Average earning assets | $484,874,500 | 1,316 |
| Average equity | $71,496,000 | 928 |
| Average total loans | $405,951,000 | 1,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4701% | 4,326 |
| Cost of funding earning assets | 2.1656% | 2,165 |
| Net interest margin | 3.3045% | 5,721 |
| Noninterest income to average assets | 0.1383% | 7,056 |
| Noninterest expense to average assets | 2.1623% | 7,065 |
| Loan and lease loss provision to assets | 0.0405% | 7,143 |
| Net operating income to assets | 0.7035% | 2,916 |
| Return on assets (ROA) | 0.7035% | 2,988 |
| Pretax return on assets | 1.0857% | 2,290 |
| Return on Equity (ROE) | 4.8799% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.8799% | 1,883 |
| Net charge-offs to loans | 0.0112% | 7,075 |
| Credit loss provision to net charge-offs | 433.3333% | 721 |
| Earnings coverage of net charge-offs (x) | 120.5556% | 240 |
| Efficiency ratio | 65.7534% | 5,443 |
| Assets per employee ($millions) | 6.2109% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2294% | 7,869 |
| Loan loss allowance to noncurrent loans | 39.2405% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 6,298 |
| Noncurrent loans to loans | 0.5845% | 6,073 |
| Net loans and leases to total assets | 79.4342% | 1,109 |
| Net loans and leases to deposits | 96.3240% | 1,295 |
| Net loans and leases to core deposits | 121.7698% | 1,802 |
| Total domestic deposits to total assets | 82.4656% | 4,754 |
| Equity capital to assets | 13.9997% | 1,173 |
| Core capital (leverage) ratio | 13.9950% | 982 |
| Tier 1 risk-based capital ratio | 25.6857% | 787 |
| Total risk-based capital ratio | 26.0208% | 844 |
| Memoranda: | ||
| Average total assets | $481,715,200 | 1,434 |
| Average earning assets | $459,223,400 | 1,370 |
| Average equity | $69,447,800 | 942 |
| Average total loans | $403,390,400 | 1,192 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 4,156 |
| Cost of funding earning assets | 2.2510% | 2,182 |
| Net interest margin | 3.2989% | 5,645 |
| Noninterest income to average assets | 0.1390% | 7,184 |
| Noninterest expense to average assets | 2.2399% | 6,875 |
| Loan and lease loss provision to assets | 0.0126% | 7,207 |
| Net operating income to assets | 0.6703% | 3,316 |
| Return on assets (ROA) | 0.6703% | 3,375 |
| Pretax return on assets | 1.0353% | 2,790 |
| Return on Equity (ROE) | 4.6135% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.6135% | 2,696 |
| Net charge-offs to loans | 0.0149% | 6,711 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 82.9313% | 412 |
| Efficiency ratio | 68.1271% | 4,948 |
| Assets per employee ($millions) | 6.1107% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1928% | 7,981 |
| Loan loss allowance to noncurrent loans | 41.4894% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 6,521 |
| Noncurrent loans to loans | 0.4647% | 6,391 |
| Net loans and leases to total assets | 81.5839% | 882 |
| Net loans and leases to deposits | 99.2711% | 1,181 |
| Net loans and leases to core deposits | 124.6558% | 1,848 |
| Total domestic deposits to total assets | 82.1829% | 4,596 |
| Equity capital to assets | 14.2025% | 1,237 |
| Core capital (leverage) ratio | 14.1977% | 1,044 |
| Tier 1 risk-based capital ratio | 25.8497% | 826 |
| Total risk-based capital ratio | 26.1367% | 887 |
| Memoranda: | ||
| Average total assets | $474,821,250 | 1,472 |
| Average earning assets | $453,233,750 | 1,408 |
| Average equity | $68,985,000 | 963 |
| Average total loans | $402,867,750 | 1,215 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6561% | 3,791 |
| Cost of funding earning assets | 2.2861% | 2,407 |
| Net interest margin | 3.3700% | 5,286 |
| Noninterest income to average assets | 0.1495% | 7,196 |
| Noninterest expense to average assets | 2.3777% | 6,535 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6366% | 3,524 |
| Return on assets (ROA) | 0.6366% | 3,631 |
| Pretax return on assets | 0.9840% | 3,071 |
| Return on Equity (ROE) | 4.3473% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.3473% | 2,875 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7295% | 4,635 |
| Assets per employee ($millions) | 5.7177% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1941% | 8,070 |
| Loan loss allowance to noncurrent loans | 37.5180% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 6,372 |
| Noncurrent loans to loans | 0.5174% | 6,238 |
| Net loans and leases to total assets | 83.4941% | 711 |
| Net loans and leases to deposits | 103.1754% | 976 |
| Net loans and leases to core deposits | 128.5463% | 1,675 |
| Total domestic deposits to total assets | 80.9244% | 5,105 |
| Equity capital to assets | 14.4307% | 1,186 |
| Core capital (leverage) ratio | 14.4309% | 1,037 |
| Tier 1 risk-based capital ratio | 26.0990% | 855 |
| Total risk-based capital ratio | 26.3927% | 910 |
| Memoranda: | ||
| Average total assets | $468,107,330 | 1,519 |
| Average earning assets | $446,169,670 | 1,449 |
| Average equity | $68,547,670 | 978 |
| Average total loans | $402,293,670 | 1,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 3,823 |
| Cost of funding earning assets | 2.3627% | 2,453 |
| Net interest margin | 3.3340% | 5,387 |
| Noninterest income to average assets | 0.1325% | 7,342 |
| Noninterest expense to average assets | 2.4622% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5446% | 4,237 |
| Return on assets (ROA) | 0.5446% | 4,422 |
| Pretax return on assets | 0.8441% | 3,911 |
| Return on Equity (ROE) | 3.6909% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.6909% | 3,849 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4698% | 3,736 |
| Assets per employee ($millions) | 5.6735% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1946% | 8,109 |
| Loan loss allowance to noncurrent loans | 164.5570% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 7,288 |
| Noncurrent loans to loans | 0.1182% | 7,185 |
| Net loans and leases to total assets | 84.9657% | 552 |
| Net loans and leases to deposits | 105.1964% | 928 |
| Net loans and leases to core deposits | 130.9951% | 1,600 |
| Total domestic deposits to total assets | 80.7686% | 5,059 |
| Equity capital to assets | 14.5327% | 1,224 |
| Core capital (leverage) ratio | 14.5327% | 1,073 |
| Tier 1 risk-based capital ratio | 25.9810% | 894 |
| Total risk-based capital ratio | 26.2771% | 954 |
| Memoranda: | ||
| Average total assets | $462,016,500 | 1,546 |
| Average earning assets | $439,828,500 | 1,476 |
| Average equity | $68,167,000 | 985 |
| Average total loans | $402,544,000 | 1,248 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 6,165 |
| Cost of funding earning assets | 2.7494% | 2,930 |
| Net interest margin | 3.1248% | 6,577 |
| Noninterest income to average assets | 0.1502% | 7,343 |
| Noninterest expense to average assets | 2.3464% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4961% | 4,752 |
| Return on assets (ROA) | 0.4961% | 4,592 |
| Pretax return on assets | 0.7745% | 4,163 |
| Return on Equity (ROE) | 3.2621% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.2621% | 3,125 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1847% | 3,374 |
| Assets per employee ($millions) | 5.4595% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1930% | 8,165 |
| Loan loss allowance to noncurrent loans | 110.4816% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 6,947 |
| Noncurrent loans to loans | 0.1747% | 6,864 |
| Net loans and leases to total assets | 89.0300% | 277 |
| Net loans and leases to deposits | 111.9607% | 711 |
| Net loans and leases to core deposits | 138.0606% | 1,369 |
| Total domestic deposits to total assets | 79.5190% | 5,195 |
| Equity capital to assets | 14.9845% | 1,166 |
| Core capital (leverage) ratio | 14.9845% | 1,039 |
| Tier 1 risk-based capital ratio | 26.1056% | 893 |
| Total risk-based capital ratio | 26.4055% | 955 |
| Memoranda: | ||
| Average total assets | $437,982,800 | 1,561 |
| Average earning assets | $416,383,200 | 1,502 |
| Average equity | $66,613,800 | 1,003 |
| Average total loans | $389,974,600 | 1,243 |