Home > Roxboro Savings Bank, SSB > Performance and Condition Ratios
Roxboro Savings Bank, SSB, 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 | 4.3361% | 3,383 |
| Cost of funding earning assets | 1.2641% | 2,618 |
| Net interest margin | 3.0720% | 3,151 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0062% | 3,607 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.9248% | 2,473 |
| Return on assets (ROA) | 0.9019% | 2,516 |
| Pretax return on assets | 1.0547% | 2,522 |
| Return on Equity (ROE) | 5.8700% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.8658% | 2,303 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.3557% | 2,796 |
| Assets per employee ($millions) | 9.1028% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 1,920 |
| Loan loss allowance to noncurrent loans | 331.3725% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,265 |
| Noncurrent loans to loans | 0.3832% | 1,839 |
| Net loans and leases to total assets | 49.4900% | 3,628 |
| Net loans and leases to deposits | 61.2098% | 3,459 |
| Net loans and leases to core deposits | 70.6320% | 3,270 |
| Total domestic deposits to total assets | 80.8500% | 3,332 |
| Equity capital to assets | 15.7186% | 486 |
| Core capital (leverage) ratio | 19.1675% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.6316% | 137 |
| Memoranda: | ||
| Average total assets | $304,259,600 | 2,409 |
| Average earning assets | $282,581,600 | 2,400 |
| Average equity | $46,780,000 | 1,688 |
| Average total loans | $146,238,000 | 2,703 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 3,423 |
| Cost of funding earning assets | 1.1394% | 2,628 |
| Net interest margin | 3.0872% | 3,161 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.0114% | 3,571 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.9492% | 2,512 |
| Return on assets (ROA) | 0.9228% | 2,592 |
| Pretax return on assets | 1.0815% | 2,625 |
| Return on Equity (ROE) | 6.0400% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.0376% | 2,622 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.0350% | 2,714 |
| Assets per employee ($millions) | 9.1624% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,540 |
| Loan loss allowance to noncurrent loans | 334.3402% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,261 |
| Noncurrent loans to loans | 0.4121% | 1,798 |
| Net loans and leases to total assets | 48.3200% | 3,722 |
| Net loans and leases to deposits | 58.3781% | 3,591 |
| Net loans and leases to core deposits | 66.7216% | 3,389 |
| Total domestic deposits to total assets | 82.7800% | 3,052 |
| Equity capital to assets | 14.3175% | 602 |
| Core capital (leverage) ratio | 19.5830% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3863% | 137 |
| Memoranda: | ||
| Average total assets | $300,675,250 | 2,429 |
| Average earning assets | $278,863,500 | 2,422 |
| Average equity | $45,955,250 | 1,694 |
| Average total loans | $142,872,750 | 2,740 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 3,424 |
| Cost of funding earning assets | 1.0201% | 2,530 |
| Net interest margin | 3.1140% | 3,187 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9451% | 3,726 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.0185% | 2,366 |
| Return on assets (ROA) | 0.9796% | 2,473 |
| Pretax return on assets | 1.1567% | 2,484 |
| Return on Equity (ROE) | 6.2700% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.2707% | 2,521 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.1523% | 3,059 |
| Assets per employee ($millions) | 8.8049% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,535 |
| Loan loss allowance to noncurrent loans | 293.4003% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 2,019 |
| Noncurrent loans to loans | 0.4769% | 1,520 |
| Net loans and leases to total assets | 48.1400% | 3,676 |
| Net loans and leases to deposits | 58.0120% | 3,536 |
| Net loans and leases to core deposits | 66.0640% | 3,347 |
| Total domestic deposits to total assets | 82.9800% | 3,053 |
| Equity capital to assets | 15.6722% | 470 |
| Core capital (leverage) ratio | 19.5112% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2264% | 131 |
| Memoranda: | ||
| Average total assets | $297,060,000 | 2,453 |
| Average earning assets | $275,462,333 | 2,448 |
| Average equity | $46,406,333 | 1,684 |
| Average total loans | $139,617,333 | 2,775 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,613 |
| Cost of funding earning assets | 0.8242% | 2,634 |
| Net interest margin | 3.1073% | 3,332 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.1628% | 3,219 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8208% | 3,134 |
| Return on assets (ROA) | 0.7570% | 3,276 |
| Pretax return on assets | 0.8530% | 3,337 |
| Return on Equity (ROE) | 4.8500% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.8536% | 3,049 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.0297% | 2,086 |
| Assets per employee ($millions) | 9.0623% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,636 |
| Loan loss allowance to noncurrent loans | 241.8953% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 1,800 |
| Noncurrent loans to loans | 0.5776% | 1,291 |
| Net loans and leases to total assets | 45.7800% | 3,781 |
| Net loans and leases to deposits | 55.9489% | 3,576 |
| Net loans and leases to core deposits | 62.2353% | 3,435 |
| Total domestic deposits to total assets | 81.8300% | 3,505 |
| Equity capital to assets | 15.8252% | 421 |
| Core capital (leverage) ratio | 19.7328% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6714% | 130 |
| Memoranda: | ||
| Average total assets | $295,907,500 | 2,489 |
| Average earning assets | $274,192,500 | 2,482 |
| Average equity | $46,151,000 | 1,708 |
| Average total loans | $136,344,500 | 2,836 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 3,623 |
| Cost of funding earning assets | 0.3600% | 2,402 |
| Net interest margin | 2.9254% | 3,619 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.0933% | 3,313 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.7716% | 3,421 |
| Return on assets (ROA) | 0.7632% | 3,385 |
| Pretax return on assets | 0.8206% | 3,572 |
| Return on Equity (ROE) | 4.6900% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.6894% | 3,176 |
| Net charge-offs to loans | -0.0166% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6750% | 1,876 |
| Assets per employee ($millions) | 8.8715% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,596 |
| Loan loss allowance to noncurrent loans | 222.2760% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 1,739 |
| Noncurrent loans to loans | 0.6172% | 1,206 |
| Net loans and leases to total assets | 45.0900% | 3,843 |
| Net loans and leases to deposits | 54.6099% | 3,645 |
| Net loans and leases to core deposits | 59.1970% | 3,547 |
| Total domestic deposits to total assets | 82.5600% | 3,525 |
| Equity capital to assets | 15.3628% | 441 |
| Core capital (leverage) ratio | 19.5598% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5521% | 130 |
| Memoranda: | ||
| Average total assets | $289,683,600 | 2,501 |
| Average earning assets | $269,198,000 | 2,495 |
| Average equity | $47,148,400 | 1,698 |
| Average total loans | $120,548,400 | 2,915 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 3,692 |
| Cost of funding earning assets | 0.3084% | 2,074 |
| Net interest margin | 2.7833% | 3,770 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.1607% | 3,039 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.6309% | 3,745 |
| Return on assets (ROA) | 0.6336% | 3,694 |
| Pretax return on assets | 0.6442% | 3,907 |
| Return on Equity (ROE) | 3.8400% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.8385% | 3,500 |
| Net charge-offs to loans | -0.0227% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.1762% | 1,259 |
| Assets per employee ($millions) | 8.7704% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 1,823 |
| Loan loss allowance to noncurrent loans | 234.9794% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 1,959 |
| Noncurrent loans to loans | 0.5729% | 1,400 |
| Net loans and leases to total assets | 43.3800% | 3,914 |
| Net loans and leases to deposits | 52.1785% | 3,720 |
| Net loans and leases to core deposits | 56.2019% | 3,616 |
| Total domestic deposits to total assets | 83.1300% | 3,664 |
| Equity capital to assets | 14.4709% | 510 |
| Core capital (leverage) ratio | 19.3221% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.9452% | 132 |
| Memoranda: | ||
| Average total assets | $288,914,500 | 2,524 |
| Average earning assets | $268,886,250 | 2,521 |
| Average equity | $47,691,500 | 1,699 |
| Average total loans | $117,228,750 | 2,958 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 3,680 |
| Cost of funding earning assets | 0.3115% | 1,607 |
| Net interest margin | 2.6370% | 3,834 |
| Noninterest income to average assets | 0.3145% | 3,279 |
| Noninterest expense to average assets | 2.1271% | 3,069 |
| Loan and lease loss provision to assets | 0.0894% | 1,103 |
| Net operating income to assets | 0.5811% | 3,677 |
| Return on assets (ROA) | 0.5832% | 3,620 |
| Pretax return on assets | 0.5624% | 3,896 |
| Return on Equity (ROE) | 3.3932% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.3932% | 3,313 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6026% | 1,210 |
| Assets per employee ($millions) | 8.7770% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 2,071 |
| Loan loss allowance to noncurrent loans | 164.3821% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 1,669 |
| Noncurrent loans to loans | 0.8063% | 1,067 |
| Net loans and leases to total assets | 40.6874% | 4,043 |
| Net loans and leases to deposits | 49.0059% | 3,863 |
| Net loans and leases to core deposits | 52.8986% | 3,762 |
| Total domestic deposits to total assets | 83.0255% | 3,870 |
| Equity capital to assets | 15.6311% | 358 |
| Core capital (leverage) ratio | 19.2227% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3692% | 86 |
| Memoranda: | ||
| Average total assets | $288,745,333 | 2,543 |
| Average earning assets | $269,621,333 | 2,543 |
| Average equity | $49,628,000 | 1,693 |
| Average total loans | $113,887,000 | 3,020 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 3,608 |
| Cost of funding earning assets | 0.3131% | 1,532 |
| Net interest margin | 2.5582% | 3,762 |
| Noninterest income to average assets | 0.2997% | 3,320 |
| Noninterest expense to average assets | 2.0937% | 3,164 |
| Loan and lease loss provision to assets | -0.0250% | 4,463 |
| Net operating income to assets | 0.6424% | 3,255 |
| Return on assets (ROA) | 0.6438% | 3,232 |
| Pretax return on assets | 0.6244% | 3,567 |
| Return on Equity (ROE) | 3.5827% | 3,974 |
| Retained earnings to average equity (ytd only) | 3.5827% | 3,083 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7835% | 1,333 |
| Assets per employee ($millions) | 8.7435% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,449 |
| Loan loss allowance to noncurrent loans | 216.4404% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 2,266 |
| Noncurrent loans to loans | 0.5919% | 1,575 |
| Net loans and leases to total assets | 38.3219% | 4,103 |
| Net loans and leases to deposits | 47.6618% | 3,892 |
| Net loans and leases to core deposits | 51.6551% | 3,757 |
| Total domestic deposits to total assets | 80.4039% | 4,259 |
| Equity capital to assets | 17.0349% | 267 |
| Core capital (leverage) ratio | 19.2255% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.0383% | 86 |
| Memoranda: | ||
| Average total assets | $288,298,000 | 2,559 |
| Average earning assets | $269,566,500 | 2,559 |
| Average equity | $51,805,000 | 1,684 |
| Average total loans | $111,115,500 | 3,046 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8250% | 4,170 |
| Cost of funding earning assets | 0.3733% | 1,731 |
| Net interest margin | 2.4517% | 4,251 |
| Noninterest income to average assets | 0.6747% | 1,854 |
| Noninterest expense to average assets | 1.8887% | 3,947 |
| Loan and lease loss provision to assets | -0.0143% | 4,189 |
| Net operating income to assets | 0.9304% | 2,936 |
| Return on assets (ROA) | 1.0026% | 2,727 |
| Pretax return on assets | 1.1922% | 2,690 |
| Return on Equity (ROE) | 5.2426% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.2426% | 2,695 |
| Net charge-offs to loans | 0.0175% | 1,933 |
| Credit loss provision to net charge-offs | -200.0000% | 3,507 |
| Earnings coverage of net charge-offs (x) | 153.2000% | 650 |
| Efficiency ratio | 63.3624% | 2,664 |
| Assets per employee ($millions) | 9.2922% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,277 |
| Loan loss allowance to noncurrent loans | 192.1958% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 2,235 |
| Noncurrent loans to loans | 0.6859% | 1,463 |
| Net loans and leases to total assets | 37.7596% | 4,208 |
| Net loans and leases to deposits | 48.0286% | 3,995 |
| Net loans and leases to core deposits | 52.1349% | 3,882 |
| Total domestic deposits to total assets | 78.6190% | 4,346 |
| Equity capital to assets | 18.9052% | 218 |
| Core capital (leverage) ratio | 19.0850% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8759% | 89 |
| Memoranda: | ||
| Average total assets | $280,569,800 | 2,532 |
| Average earning assets | $263,893,600 | 2,529 |
| Average equity | $53,656,800 | 1,663 |
| Average total loans | $114,469,400 | 3,002 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8321% | 4,259 |
| Cost of funding earning assets | 0.3881% | 1,793 |
| Net interest margin | 2.4440% | 4,354 |
| Noninterest income to average assets | 0.7587% | 1,645 |
| Noninterest expense to average assets | 1.8380% | 4,089 |
| Loan and lease loss provision to assets | -0.0011% | 4,285 |
| Net operating income to assets | 1.0065% | 2,883 |
| Return on assets (ROA) | 1.1018% | 2,604 |
| Pretax return on assets | 1.3352% | 2,530 |
| Return on Equity (ROE) | 5.7441% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.7441% | 2,937 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1158% | 2,970 |
| Assets per employee ($millions) | 9.6584% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,262 |
| Loan loss allowance to noncurrent loans | 208.4138% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,530 |
| Noncurrent loans to loans | 0.6445% | 1,697 |
| Net loans and leases to total assets | 38.3041% | 4,284 |
| Net loans and leases to deposits | 48.6246% | 4,086 |
| Net loans and leases to core deposits | 52.4119% | 4,018 |
| Total domestic deposits to total assets | 78.7753% | 4,353 |
| Equity capital to assets | 18.7926% | 236 |
| Core capital (leverage) ratio | 18.9656% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3554% | 99 |
| Memoranda: | ||
| Average total assets | $278,697,250 | 2,565 |
| Average earning assets | $262,130,000 | 2,559 |
| Average equity | $53,456,500 | 1,687 |
| Average total loans | $115,525,250 | 3,034 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8696% | 4,262 |
| Cost of funding earning assets | 0.4102% | 1,801 |
| Net interest margin | 2.4594% | 4,352 |
| Noninterest income to average assets | 0.8218% | 1,472 |
| Noninterest expense to average assets | 1.8712% | 4,034 |
| Loan and lease loss provision to assets | -0.0371% | 4,480 |
| Net operating income to assets | 1.0796% | 2,607 |
| Return on assets (ROA) | 1.2130% | 2,216 |
| Pretax return on assets | 1.4596% | 2,140 |
| Return on Equity (ROE) | 6.2796% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.2796% | 2,703 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7261% | 3,050 |
| Assets per employee ($millions) | 9.5161% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,476 |
| Loan loss allowance to noncurrent loans | 192.6219% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 2,603 |
| Noncurrent loans to loans | 0.6709% | 1,747 |
| Net loans and leases to total assets | 39.1179% | 4,326 |
| Net loans and leases to deposits | 49.8859% | 4,121 |
| Net loans and leases to core deposits | 53.7858% | 4,034 |
| Total domestic deposits to total assets | 78.4148% | 4,394 |
| Equity capital to assets | 18.9111% | 228 |
| Core capital (leverage) ratio | 18.9987% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.7229% | 94 |
| Memoranda: | ||
| Average total assets | $275,012,333 | 2,579 |
| Average earning assets | $258,437,667 | 2,568 |
| Average equity | $53,124,667 | 1,690 |
| Average total loans | $116,534,333 | 3,040 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8596% | 4,304 |
| Cost of funding earning assets | 0.4381% | 1,815 |
| Net interest margin | 2.4215% | 4,393 |
| Noninterest income to average assets | 0.9341% | 1,246 |
| Noninterest expense to average assets | 1.7970% | 4,222 |
| Loan and lease loss provision to assets | -0.0489% | 4,653 |
| Net operating income to assets | 1.1997% | 2,146 |
| Return on assets (ROA) | 1.3967% | 1,656 |
| Pretax return on assets | 1.6962% | 1,499 |
| Return on Equity (ROE) | 7.1509% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.1509% | 2,530 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0851% | 3,537 |
| Assets per employee ($millions) | 9.2059% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,550 |
| Loan loss allowance to noncurrent loans | 177.0335% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 2,627 |
| Noncurrent loans to loans | 0.7207% | 1,802 |
| Net loans and leases to total assets | 41.4649% | 4,271 |
| Net loans and leases to deposits | 53.1414% | 3,994 |
| Net loans and leases to core deposits | 57.4501% | 3,878 |
| Total domestic deposits to total assets | 78.0276% | 4,432 |
| Equity capital to assets | 19.0747% | 219 |
| Core capital (leverage) ratio | 19.4832% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.4457% | 90 |
| Memoranda: | ||
| Average total assets | $269,777,000 | 2,598 |
| Average earning assets | $252,905,000 | 2,589 |
| Average equity | $52,693,000 | 1,692 |
| Average total loans | $118,233,000 | 3,029 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 3,872 |
| Cost of funding earning assets | 0.6282% | 2,131 |
| Net interest margin | 2.9426% | 4,029 |
| Noninterest income to average assets | 0.9442% | 1,164 |
| Noninterest expense to average assets | 2.1748% | 3,741 |
| Loan and lease loss provision to assets | 0.0880% | 3,263 |
| Net operating income to assets | 1.1844% | 1,599 |
| Return on assets (ROA) | 1.3304% | 1,270 |
| Pretax return on assets | 1.5959% | 1,083 |
| Return on Equity (ROE) | 6.4832% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.4832% | 1,599 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0535% | 3,582 |
| Assets per employee ($millions) | 8.7792% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,636 |
| Loan loss allowance to noncurrent loans | 184.5122% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 2,751 |
| Noncurrent loans to loans | 0.6807% | 1,982 |
| Net loans and leases to total assets | 45.1658% | 4,183 |
| Net loans and leases to deposits | 58.5658% | 3,856 |
| Net loans and leases to core deposits | 63.6608% | 3,715 |
| Total domestic deposits to total assets | 77.1198% | 4,400 |
| Equity capital to assets | 20.0117% | 201 |
| Core capital (leverage) ratio | 20.3950% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.1203% | 87 |
| Memoranda: | ||
| Average total assets | $244,432,400 | 2,618 |
| Average earning assets | $227,488,400 | 2,617 |
| Average equity | $50,160,400 | 1,687 |
| Average total loans | $119,161,000 | 2,990 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 3,912 |
| Cost of funding earning assets | 0.6810% | 2,137 |
| Net interest margin | 2.9691% | 4,049 |
| Noninterest income to average assets | 1.0730% | 905 |
| Noninterest expense to average assets | 2.1566% | 3,792 |
| Loan and lease loss provision to assets | 0.1101% | 2,942 |
| Net operating income to assets | 1.2921% | 1,374 |
| Return on assets (ROA) | 1.4846% | 1,016 |
| Pretax return on assets | 1.7983% | 780 |
| Return on Equity (ROE) | 7.1856% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.1856% | 1,621 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2618% | 3,886 |
| Assets per employee ($millions) | 8.4712% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,414 |
| Loan loss allowance to noncurrent loans | 116.5109% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,182 |
| Noncurrent loans to loans | 1.0691% | 1,401 |
| Net loans and leases to total assets | 46.6719% | 4,281 |
| Net loans and leases to deposits | 60.9569% | 3,997 |
| Net loans and leases to core deposits | 66.8553% | 3,834 |
| Total domestic deposits to total assets | 76.5653% | 4,376 |
| Equity capital to assets | 20.2663% | 199 |
| Core capital (leverage) ratio | 21.0575% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6083% | 94 |
| Memoranda: | ||
| Average total assets | $239,696,500 | 2,623 |
| Average earning assets | $222,820,250 | 2,632 |
| Average equity | $49,524,000 | 1,695 |
| Average total loans | $118,834,000 | 3,005 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 3,942 |
| Cost of funding earning assets | 0.7481% | 2,132 |
| Net interest margin | 3.0238% | 4,073 |
| Noninterest income to average assets | 1.0482% | 903 |
| Noninterest expense to average assets | 2.3756% | 3,322 |
| Loan and lease loss provision to assets | 0.1005% | 3,014 |
| Net operating income to assets | 1.1356% | 1,856 |
| Return on assets (ROA) | 1.3377% | 1,352 |
| Pretax return on assets | 1.6204% | 1,181 |
| Return on Equity (ROE) | 6.4301% | 3,354 |
| Retained earnings to average equity (ytd only) | 6.4301% | 1,888 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6575% | 3,175 |
| Assets per employee ($millions) | 8.1727% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,338 |
| Loan loss allowance to noncurrent loans | 142.1687% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 2,667 |
| Noncurrent loans to loans | 0.8674% | 1,757 |
| Net loans and leases to total assets | 46.2550% | 4,351 |
| Net loans and leases to deposits | 60.1636% | 4,108 |
| Net loans and leases to core deposits | 65.7249% | 3,979 |
| Total domestic deposits to total assets | 76.8821% | 4,329 |
| Equity capital to assets | 20.4522% | 194 |
| Core capital (leverage) ratio | 21.2943% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.3276% | 89 |
| Memoranda: | ||
| Average total assets | $234,883,333 | 2,639 |
| Average earning assets | $217,875,000 | 2,647 |
| Average equity | $48,864,000 | 1,702 |
| Average total loans | $118,410,000 | 3,001 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 4,030 |
| Cost of funding earning assets | 0.8278% | 2,235 |
| Net interest margin | 3.0736% | 4,150 |
| Noninterest income to average assets | 0.6198% | 1,953 |
| Noninterest expense to average assets | 2.0476% | 4,314 |
| Loan and lease loss provision to assets | 0.0749% | 2,800 |
| Net operating income to assets | 1.1282% | 1,757 |
| Return on assets (ROA) | 1.3929% | 1,083 |
| Pretax return on assets | 1.6506% | 949 |
| Return on Equity (ROE) | 6.6358% | 3,092 |
| Retained earnings to average equity (ytd only) | 6.6358% | 1,669 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2145% | 3,839 |
| Assets per employee ($millions) | 7.7864% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,075 |
| Loan loss allowance to noncurrent loans | 150.8436% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 2,919 |
| Noncurrent loans to loans | 0.7447% | 2,142 |
| Net loans and leases to total assets | 50.5341% | 4,213 |
| Net loans and leases to deposits | 66.5196% | 3,833 |
| Net loans and leases to core deposits | 72.9521% | 3,700 |
| Total domestic deposits to total assets | 75.9687% | 4,489 |
| Equity capital to assets | 20.9135% | 206 |
| Core capital (leverage) ratio | 21.9060% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6897% | 101 |
| Memoranda: | ||
| Average total assets | $229,734,000 | 2,634 |
| Average earning assets | $212,127,000 | 2,645 |
| Average equity | $48,223,500 | 1,715 |
| Average total loans | $120,202,500 | 2,951 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 4,050 |
| Cost of funding earning assets | 0.8184% | 2,594 |
| Net interest margin | 3.2780% | 4,030 |
| Noninterest income to average assets | 0.4607% | 2,948 |
| Noninterest expense to average assets | 2.1775% | 4,208 |
| Loan and lease loss provision to assets | 0.0980% | 2,093 |
| Net operating income to assets | 1.0249% | 2,750 |
| Return on assets (ROA) | 1.0996% | 2,547 |
| Pretax return on assets | 1.3173% | 2,452 |
| Return on Equity (ROE) | 5.3917% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.3917% | 2,230 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1646% | 3,349 |
| Assets per employee ($millions) | 7.5292% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,086 |
| Loan loss allowance to noncurrent loans | 104.2536% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 2,234 |
| Noncurrent loans to loans | 1.0296% | 1,473 |
| Net loans and leases to total assets | 53.0032% | 4,145 |
| Net loans and leases to deposits | 70.0391% | 3,668 |
| Net loans and leases to core deposits | 77.7582% | 3,458 |
| Total domestic deposits to total assets | 75.6766% | 4,635 |
| Equity capital to assets | 21.0712% | 212 |
| Core capital (leverage) ratio | 21.7000% | 181 |
| Tier 1 risk-based capital ratio | 46.0017% | 169 |
| Total risk-based capital ratio | 47.2498% | 168 |
| Memoranda: | ||
| Average total assets | $225,531,400 | 2,617 |
| Average earning assets | $209,305,600 | 2,609 |
| Average equity | $45,997,000 | 1,722 |
| Average total loans | $116,700,800 | 2,982 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 4,169 |
| Cost of funding earning assets | 0.8056% | 2,689 |
| Net interest margin | 3.2874% | 4,110 |
| Noninterest income to average assets | 0.4536% | 3,002 |
| Noninterest expense to average assets | 2.1220% | 4,323 |
| Loan and lease loss provision to assets | 0.0958% | 1,999 |
| Net operating income to assets | 1.0626% | 2,724 |
| Return on assets (ROA) | 1.1574% | 2,428 |
| Pretax return on assets | 1.4005% | 2,314 |
| Return on Equity (ROE) | 5.7224% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.7224% | 2,495 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5570% | 3,533 |
| Assets per employee ($millions) | 7.4862% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,363 |
| Loan loss allowance to noncurrent loans | 74.9546% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 1,867 |
| Noncurrent loans to loans | 1.3821% | 1,115 |
| Net loans and leases to total assets | 52.7019% | 4,271 |
| Net loans and leases to deposits | 70.1477% | 3,759 |
| Net loans and leases to core deposits | 77.5655% | 3,584 |
| Total domestic deposits to total assets | 75.1298% | 4,736 |
| Equity capital to assets | 21.0770% | 217 |
| Core capital (leverage) ratio | 21.8571% | 179 |
| Tier 1 risk-based capital ratio | 46.3473% | 162 |
| Total risk-based capital ratio | 47.5687% | 160 |
| Memoranda: | ||
| Average total assets | $225,445,000 | 2,639 |
| Average earning assets | $209,197,250 | 2,634 |
| Average equity | $45,597,500 | 1,735 |
| Average total loans | $115,620,750 | 3,031 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 4,227 |
| Cost of funding earning assets | 0.7954% | 2,665 |
| Net interest margin | 3.2760% | 4,186 |
| Noninterest income to average assets | 0.4368% | 3,027 |
| Noninterest expense to average assets | 2.1415% | 4,344 |
| Loan and lease loss provision to assets | 0.0744% | 2,330 |
| Net operating income to assets | 1.0316% | 2,796 |
| Return on assets (ROA) | 1.1217% | 2,510 |
| Pretax return on assets | 1.3742% | 2,289 |
| Return on Equity (ROE) | 5.6244% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,458 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5326% | 3,501 |
| Assets per employee ($millions) | 7.4693% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,572 |
| Loan loss allowance to noncurrent loans | 77.0916% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 2,038 |
| Noncurrent loans to loans | 1.3081% | 1,204 |
| Net loans and leases to total assets | 50.8613% | 4,420 |
| Net loans and leases to deposits | 66.9396% | 4,028 |
| Net loans and leases to core deposits | 73.6012% | 3,915 |
| Total domestic deposits to total assets | 75.9809% | 4,672 |
| Equity capital to assets | 20.5793% | 226 |
| Core capital (leverage) ratio | 20.9405% | 201 |
| Tier 1 risk-based capital ratio | 46.6349% | 159 |
| Total risk-based capital ratio | 47.7918% | 156 |
| Memoranda: | ||
| Average total assets | $225,731,330 | 2,646 |
| Average earning assets | $209,704,330 | 2,640 |
| Average equity | $45,018,000 | 1,751 |
| Average total loans | $114,294,330 | 3,068 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 4,390 |
| Cost of funding earning assets | 0.7664% | 2,704 |
| Net interest margin | 3.2234% | 4,334 |
| Noninterest income to average assets | 0.4096% | 3,119 |
| Noninterest expense to average assets | 2.0057% | 4,630 |
| Loan and lease loss provision to assets | 0.0971% | 1,806 |
| Net operating income to assets | 1.2126% | 2,009 |
| Return on assets (ROA) | 1.1370% | 2,368 |
| Pretax return on assets | 1.2182% | 2,736 |
| Return on Equity (ROE) | 5.7927% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.7927% | 2,548 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9517% | 3,962 |
| Assets per employee ($millions) | 7.6527% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,791 |
| Loan loss allowance to noncurrent loans | 67.4613% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 1,919 |
| Noncurrent loans to loans | 1.4627% | 1,104 |
| Net loans and leases to total assets | 49.4749% | 4,499 |
| Net loans and leases to deposits | 65.2536% | 4,109 |
| Net loans and leases to core deposits | 72.5352% | 3,909 |
| Total domestic deposits to total assets | 75.8194% | 4,782 |
| Equity capital to assets | 19.7028% | 251 |
| Core capital (leverage) ratio | 20.9266% | 200 |
| Tier 1 risk-based capital ratio | 44.5822% | 175 |
| Total risk-based capital ratio | 45.6772% | 174 |
| Memoranda: | ||
| Average total assets | $226,557,000 | 2,663 |
| Average earning assets | $210,334,500 | 2,664 |
| Average equity | $44,470,000 | 1,761 |
| Average total loans | $113,876,000 | 3,102 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,405 |
| Cost of funding earning assets | 0.6959% | 2,116 |
| Net interest margin | 3.1449% | 4,589 |
| Noninterest income to average assets | 0.4169% | 3,332 |
| Noninterest expense to average assets | 2.1158% | 4,523 |
| Loan and lease loss provision to assets | -0.0435% | 5,184 |
| Net operating income to assets | 0.8005% | 3,803 |
| Return on assets (ROA) | 0.8324% | 3,682 |
| Pretax return on assets | 1.3022% | 2,489 |
| Return on Equity (ROE) | 4.3364% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.3364% | 3,157 |
| Net charge-offs to loans | 0.0053% | 3,519 |
| Credit loss provision to net charge-offs | -1,616.6667% | 4,804 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 231 |
| Efficiency ratio | 63.4579% | 3,271 |
| Assets per employee ($millions) | 7.4511% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,949 |
| Loan loss allowance to noncurrent loans | 66.0736% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 1,898 |
| Noncurrent loans to loans | 1.4420% | 1,072 |
| Net loans and leases to total assets | 50.0857% | 4,512 |
| Net loans and leases to deposits | 66.2411% | 4,101 |
| Net loans and leases to core deposits | 73.5757% | 3,885 |
| Total domestic deposits to total assets | 75.6112% | 4,794 |
| Equity capital to assets | 19.5524% | 249 |
| Core capital (leverage) ratio | 20.6799% | 209 |
| Tier 1 risk-based capital ratio | 46.2659% | 163 |
| Total risk-based capital ratio | 47.3393% | 161 |
| Memoranda: | ||
| Average total assets | $223,084,800 | 2,672 |
| Average earning assets | $206,939,400 | 2,662 |
| Average equity | $42,823,600 | 1,743 |
| Average total loans | $113,211,000 | 3,093 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 4,316 |
| Cost of funding earning assets | 0.6714% | 2,025 |
| Net interest margin | 3.1804% | 4,550 |
| Noninterest income to average assets | 0.3959% | 3,507 |
| Noninterest expense to average assets | 2.0863% | 4,583 |
| Loan and lease loss provision to assets | -0.0173% | 5,231 |
| Net operating income to assets | 0.7157% | 4,173 |
| Return on assets (ROA) | 0.7582% | 4,060 |
| Pretax return on assets | 1.3323% | 2,492 |
| Return on Equity (ROE) | 3.9683% | 4,823 |
| Retained earnings to average equity (ytd only) | 3.9683% | 3,789 |
| Net charge-offs to loans | 0.0047% | 3,275 |
| Credit loss provision to net charge-offs | -725.0000% | 4,569 |
| Earnings coverage of net charge-offs (x) | 527.5666% | 169 |
| Efficiency ratio | 62.3258% | 3,456 |
| Assets per employee ($millions) | 7.3665% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,697 |
| Loan loss allowance to noncurrent loans | 59.1847% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 1,681 |
| Noncurrent loans to loans | 1.7051% | 916 |
| Net loans and leases to total assets | 50.9104% | 4,532 |
| Net loans and leases to deposits | 67.2093% | 4,110 |
| Net loans and leases to core deposits | 73.5430% | 3,977 |
| Total domestic deposits to total assets | 75.7491% | 4,815 |
| Equity capital to assets | 19.1381% | 270 |
| Core capital (leverage) ratio | 20.6995% | 206 |
| Tier 1 risk-based capital ratio | 45.3928% | 173 |
| Total risk-based capital ratio | 46.5337% | 173 |
| Memoranda: | ||
| Average total assets | $222,972,750 | 2,688 |
| Average earning assets | $206,930,500 | 2,676 |
| Average equity | $42,603,000 | 1,758 |
| Average total loans | $113,255,000 | 3,119 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,346 |
| Cost of funding earning assets | 0.6494% | 1,925 |
| Net interest margin | 3.1499% | 4,618 |
| Noninterest income to average assets | 0.3747% | 3,650 |
| Noninterest expense to average assets | 2.1043% | 4,597 |
| Loan and lease loss provision to assets | -0.0277% | 5,337 |
| Net operating income to assets | 0.4551% | 4,851 |
| Return on assets (ROA) | 0.5151% | 4,721 |
| Pretax return on assets | 1.2977% | 2,524 |
| Return on Equity (ROE) | 2.6975% | 5,064 |
| Retained earnings to average equity (ytd only) | 2.6975% | 4,171 |
| Net charge-offs to loans | 0.0071% | 2,878 |
| Credit loss provision to net charge-offs | -775.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | 333.7500% | 273 |
| Efficiency ratio | 63.8015% | 3,345 |
| Assets per employee ($millions) | 7.3968% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,817 |
| Loan loss allowance to noncurrent loans | 68.3174% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 1,939 |
| Noncurrent loans to loans | 1.4692% | 1,148 |
| Net loans and leases to total assets | 50.8902% | 4,552 |
| Net loans and leases to deposits | 67.2415% | 4,081 |
| Net loans and leases to core deposits | 73.3461% | 3,921 |
| Total domestic deposits to total assets | 75.6828% | 4,885 |
| Equity capital to assets | 18.9820% | 267 |
| Core capital (leverage) ratio | 20.1937% | 219 |
| Tier 1 risk-based capital ratio | 44.4946% | 179 |
| Total risk-based capital ratio | 45.6310% | 179 |
| Memoranda: | ||
| Average total assets | $223,632,330 | 2,694 |
| Average earning assets | $207,563,670 | 2,688 |
| Average equity | $42,706,000 | 1,753 |
| Average total loans | $113,121,330 | 3,123 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 4,474 |
| Cost of funding earning assets | 0.6255% | 1,876 |
| Net interest margin | 3.0700% | 4,765 |
| Noninterest income to average assets | 0.3670% | 3,686 |
| Noninterest expense to average assets | 1.9350% | 4,965 |
| Loan and lease loss provision to assets | 0.0624% | 2,528 |
| Net operating income to assets | 0.9838% | 2,917 |
| Return on assets (ROA) | 1.0459% | 2,681 |
| Pretax return on assets | 1.2971% | 2,376 |
| Return on Equity (ROE) | 5.4607% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.4607% | 2,966 |
| Net charge-offs to loans | 0.0142% | 2,255 |
| Credit loss provision to net charge-offs | 875.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 364 |
| Efficiency ratio | 60.1329% | 4,047 |
| Assets per employee ($millions) | 7.4200% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,479 |
| Loan loss allowance to noncurrent loans | 77.1829% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 2,210 |
| Noncurrent loans to loans | 1.4054% | 1,268 |
| Net loans and leases to total assets | 49.6107% | 4,590 |
| Net loans and leases to deposits | 66.4658% | 4,054 |
| Net loans and leases to core deposits | 72.5526% | 3,914 |
| Total domestic deposits to total assets | 74.6409% | 5,096 |
| Equity capital to assets | 19.2135% | 245 |
| Core capital (leverage) ratio | 20.0523% | 211 |
| Tier 1 risk-based capital ratio | 45.0270% | 173 |
| Total risk-based capital ratio | 46.2530% | 168 |
| Memoranda: | ||
| Average total assets | $224,496,000 | 2,711 |
| Average earning assets | $208,466,000 | 2,711 |
| Average equity | $42,998,000 | 1,750 |
| Average total loans | $112,645,500 | 3,153 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 4,651 |
| Cost of funding earning assets | 0.5914% | 1,661 |
| Net interest margin | 2.9723% | 4,944 |
| Noninterest income to average assets | 0.5228% | 2,862 |
| Noninterest expense to average assets | 2.0651% | 4,852 |
| Loan and lease loss provision to assets | 0.0516% | 3,198 |
| Net operating income to assets | 0.8733% | 2,845 |
| Return on assets (ROA) | 0.9613% | 2,434 |
| Pretax return on assets | 1.2921% | 2,383 |
| Return on Equity (ROE) | 5.0891% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,072 |
| Net charge-offs to loans | 0.0716% | 2,425 |
| Credit loss provision to net charge-offs | 145.5696% | 1,825 |
| Earnings coverage of net charge-offs (x) | 34.5823% | 1,392 |
| Efficiency ratio | 62.7691% | 3,818 |
| Assets per employee ($millions) | 7.3030% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,694 |
| Loan loss allowance to noncurrent loans | 111.3208% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 2,998 |
| Noncurrent loans to loans | 0.9327% | 1,910 |
| Net loans and leases to total assets | 49.6778% | 4,670 |
| Net loans and leases to deposits | 66.9247% | 4,112 |
| Net loans and leases to core deposits | 73.5550% | 3,912 |
| Total domestic deposits to total assets | 74.2293% | 5,161 |
| Equity capital to assets | 19.0938% | 244 |
| Core capital (leverage) ratio | 19.5730% | 212 |
| Tier 1 risk-based capital ratio | 44.3627% | 164 |
| Total risk-based capital ratio | 45.5726% | 160 |
| Memoranda: | ||
| Average total assets | $223,042,200 | 2,699 |
| Average earning assets | $207,648,000 | 2,690 |
| Average equity | $42,129,400 | 1,767 |
| Average total loans | $110,400,200 | 3,173 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,629 |
| Cost of funding earning assets | 0.5777% | 1,687 |
| Net interest margin | 2.9959% | 4,930 |
| Noninterest income to average assets | 0.5586% | 2,675 |
| Noninterest expense to average assets | 2.0005% | 4,953 |
| Loan and lease loss provision to assets | 0.0558% | 2,972 |
| Net operating income to assets | 0.9320% | 2,872 |
| Return on assets (ROA) | 1.0327% | 2,438 |
| Pretax return on assets | 1.4335% | 1,999 |
| Return on Equity (ROE) | 5.4823% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4823% | 2,552 |
| Net charge-offs to loans | 0.0961% | 1,825 |
| Credit loss provision to net charge-offs | 117.7215% | 2,036 |
| Earnings coverage of net charge-offs (x) | 28.4685% | 1,604 |
| Efficiency ratio | 59.7170% | 4,262 |
| Assets per employee ($millions) | 7.6596% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,823 |
| Loan loss allowance to noncurrent loans | 94.8403% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,873 |
| Noncurrent loans to loans | 1.1009% | 1,745 |
| Net loans and leases to total assets | 49.4096% | 4,744 |
| Net loans and leases to deposits | 67.0075% | 4,180 |
| Net loans and leases to core deposits | 73.3516% | 4,033 |
| Total domestic deposits to total assets | 73.7373% | 5,259 |
| Equity capital to assets | 19.2888% | 257 |
| Core capital (leverage) ratio | 19.7398% | 219 |
| Tier 1 risk-based capital ratio | 45.0460% | 165 |
| Total risk-based capital ratio | 46.2689% | 163 |
| Memoranda: | ||
| Average total assets | $222,204,500 | 2,734 |
| Average earning assets | $207,030,250 | 2,717 |
| Average equity | $41,855,000 | 1,798 |
| Average total loans | $109,588,500 | 3,213 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 4,597 |
| Cost of funding earning assets | 0.5458% | 1,805 |
| Net interest margin | 3.0217% | 4,860 |
| Noninterest income to average assets | 0.5895% | 2,517 |
| Noninterest expense to average assets | 2.0636% | 4,845 |
| Loan and lease loss provision to assets | 0.0450% | 3,091 |
| Net operating income to assets | 0.9098% | 2,864 |
| Return on assets (ROA) | 1.0062% | 2,440 |
| Pretax return on assets | 1.4337% | 1,883 |
| Return on Equity (ROE) | 5.3848% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.3848% | 2,475 |
| Net charge-offs to loans | 0.1209% | 1,441 |
| Credit loss provision to net charge-offs | 75.7576% | 2,309 |
| Earnings coverage of net charge-offs (x) | 22.5758% | 1,706 |
| Efficiency ratio | 60.6133% | 4,222 |
| Assets per employee ($millions) | 7.7591% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,956 |
| Loan loss allowance to noncurrent loans | 88.6792% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,875 |
| Noncurrent loans to loans | 1.1620% | 1,685 |
| Net loans and leases to total assets | 48.1452% | 4,818 |
| Net loans and leases to deposits | 67.2702% | 4,126 |
| Net loans and leases to core deposits | 73.3394% | 3,993 |
| Total domestic deposits to total assets | 71.5699% | 5,477 |
| Equity capital to assets | 18.8210% | 274 |
| Core capital (leverage) ratio | 19.2298% | 230 |
| Tier 1 risk-based capital ratio | 46.8187% | 148 |
| Total risk-based capital ratio | 48.0651% | 146 |
| Memoranda: | ||
| Average total assets | $222,229,670 | 2,747 |
| Average earning assets | $207,037,000 | 2,733 |
| Average equity | $41,524,670 | 1,803 |
| Average total loans | $109,147,670 | 3,239 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 4,391 |
| Cost of funding earning assets | 0.5151% | 1,971 |
| Net interest margin | 3.0945% | 4,663 |
| Noninterest income to average assets | 0.5217% | 2,829 |
| Noninterest expense to average assets | 1.9182% | 5,211 |
| Loan and lease loss provision to assets | 0.0598% | 2,607 |
| Net operating income to assets | 1.0496% | 2,073 |
| Return on assets (ROA) | 1.2172% | 1,503 |
| Pretax return on assets | 1.6537% | 1,111 |
| Return on Equity (ROE) | 6.5382% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.5382% | 2,057 |
| Net charge-offs to loans | 0.2019% | 857 |
| Credit loss provision to net charge-offs | 60.0000% | 1,904 |
| Earnings coverage of net charge-offs (x) | 14.9273% | 1,703 |
| Efficiency ratio | 56.3298% | 4,902 |
| Assets per employee ($millions) | 7.7467% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 4,173 |
| Loan loss allowance to noncurrent loans | 75.9134% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,059 |
| Noncurrent loans to loans | 1.3410% | 1,509 |
| Net loans and leases to total assets | 48.5625% | 4,783 |
| Net loans and leases to deposits | 67.7981% | 4,009 |
| Net loans and leases to core deposits | 72.9445% | 3,920 |
| Total domestic deposits to total assets | 71.6281% | 5,562 |
| Equity capital to assets | 18.4300% | 279 |
| Core capital (leverage) ratio | 19.3601% | 219 |
| Tier 1 risk-based capital ratio | 43.8105% | 177 |
| Total risk-based capital ratio | 44.9870% | 176 |
| Memoranda: | ||
| Average total assets | $220,837,000 | 2,786 |
| Average earning assets | $205,782,000 | 2,768 |
| Average equity | $41,112,000 | 1,817 |
| Average total loans | $108,990,500 | 3,265 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 4,793 |
| Cost of funding earning assets | 0.5370% | 1,811 |
| Net interest margin | 2.9588% | 5,035 |
| Noninterest income to average assets | 0.6375% | 2,470 |
| Noninterest expense to average assets | 2.0902% | 5,020 |
| Loan and lease loss provision to assets | 0.0844% | 2,669 |
| Net operating income to assets | 0.9932% | 2,378 |
| Return on assets (ROA) | 1.1012% | 1,989 |
| Pretax return on assets | 1.3517% | 2,094 |
| Return on Equity (ROE) | 5.8361% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.8361% | 1,802 |
| Net charge-offs to loans | 0.0667% | 2,741 |
| Credit loss provision to net charge-offs | 261.4286% | 1,100 |
| Earnings coverage of net charge-offs (x) | 40.3429% | 1,170 |
| Efficiency ratio | 61.6044% | 4,330 |
| Assets per employee ($millions) | 7.4834% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,944 |
| Loan loss allowance to noncurrent loans | 53.9877% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 1,598 |
| Noncurrent loans to loans | 1.9664% | 919 |
| Net loans and leases to total assets | 49.1280% | 4,825 |
| Net loans and leases to deposits | 68.1721% | 4,075 |
| Net loans and leases to core deposits | 72.7602% | 4,032 |
| Total domestic deposits to total assets | 72.0647% | 5,556 |
| Equity capital to assets | 18.8094% | 255 |
| Core capital (leverage) ratio | 19.4689% | 207 |
| Tier 1 risk-based capital ratio | 44.7414% | 175 |
| Total risk-based capital ratio | 46.0049% | 175 |
| Memoranda: | ||
| Average total assets | $216,771,400 | 2,790 |
| Average earning assets | $201,869,200 | 2,768 |
| Average equity | $40,900,800 | 1,817 |
| Average total loans | $104,969,000 | 3,298 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4974% | 4,809 |
| Cost of funding earning assets | 0.5436% | 1,762 |
| Net interest margin | 2.9538% | 5,091 |
| Noninterest income to average assets | 0.7125% | 2,118 |
| Noninterest expense to average assets | 2.0346% | 5,139 |
| Loan and lease loss provision to assets | 0.0843% | 2,530 |
| Net operating income to assets | 1.0900% | 2,044 |
| Return on assets (ROA) | 1.2256% | 1,637 |
| Pretax return on assets | 1.5123% | 1,674 |
| Return on Equity (ROE) | 6.4904% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.4904% | 1,920 |
| Net charge-offs to loans | 0.0895% | 2,073 |
| Credit loss provision to net charge-offs | 195.7143% | 1,463 |
| Earnings coverage of net charge-offs (x) | 33.1861% | 1,397 |
| Efficiency ratio | 58.7389% | 4,718 |
| Assets per employee ($millions) | 7.4124% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 4,156 |
| Loan loss allowance to noncurrent loans | 57.3069% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 1,841 |
| Noncurrent loans to loans | 1.8229% | 1,124 |
| Net loans and leases to total assets | 48.3846% | 4,937 |
| Net loans and leases to deposits | 67.9669% | 4,157 |
| Net loans and leases to core deposits | 72.3748% | 4,131 |
| Total domestic deposits to total assets | 71.1885% | 5,633 |
| Equity capital to assets | 19.5098% | 241 |
| Core capital (leverage) ratio | 19.4808% | 214 |
| Tier 1 risk-based capital ratio | 45.1298% | 176 |
| Total risk-based capital ratio | 46.3327% | 176 |
| Memoranda: | ||
| Average total assets | $216,709,500 | 2,798 |
| Average earning assets | $201,856,750 | 2,781 |
| Average equity | $40,921,000 | 1,821 |
| Average total loans | $104,271,000 | 3,322 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4837% | 4,917 |
| Cost of funding earning assets | 0.5299% | 1,872 |
| Net interest margin | 2.9539% | 5,165 |
| Noninterest income to average assets | 0.8008% | 1,709 |
| Noninterest expense to average assets | 2.0277% | 5,216 |
| Loan and lease loss provision to assets | 0.0746% | 2,647 |
| Net operating income to assets | 1.2064% | 1,577 |
| Return on assets (ROA) | 1.3401% | 1,259 |
| Pretax return on assets | 1.6098% | 1,348 |
| Return on Equity (ROE) | 7.1756% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.1756% | 1,522 |
| Net charge-offs to loans | 0.0865% | 1,977 |
| Credit loss provision to net charge-offs | 180.0000% | 1,402 |
| Earnings coverage of net charge-offs (x) | 36.7778% | 1,221 |
| Efficiency ratio | 57.1021% | 5,015 |
| Assets per employee ($millions) | 7.6060% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,459 |
| Loan loss allowance to noncurrent loans | 53.1639% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 1,945 |
| Noncurrent loans to loans | 1.9003% | 1,065 |
| Net loans and leases to total assets | 47.3988% | 5,040 |
| Net loans and leases to deposits | 68.9758% | 4,091 |
| Net loans and leases to core deposits | 73.1068% | 4,070 |
| Total domestic deposits to total assets | 68.7181% | 5,822 |
| Equity capital to assets | 18.8117% | 274 |
| Core capital (leverage) ratio | 18.7968% | 242 |
| Tier 1 risk-based capital ratio | 44.5203% | 176 |
| Total risk-based capital ratio | 45.6932% | 175 |
| Memoranda: | ||
| Average total assets | $217,293,000 | 2,802 |
| Average earning assets | $202,311,330 | 2,789 |
| Average equity | $40,582,000 | 1,833 |
| Average total loans | $103,993,000 | 3,339 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 4,929 |
| Cost of funding earning assets | 0.5475% | 1,735 |
| Net interest margin | 2.9348% | 5,248 |
| Noninterest income to average assets | 1.2687% | 677 |
| Noninterest expense to average assets | 1.9773% | 5,387 |
| Loan and lease loss provision to assets | 0.1002% | 2,020 |
| Net operating income to assets | 1.3483% | 1,136 |
| Return on assets (ROA) | 1.5599% | 804 |
| Pretax return on assets | 2.2277% | 364 |
| Return on Equity (ROE) | 8.3836% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.3836% | 1,305 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3976% | 5,657 |
| Assets per employee ($millions) | 7.4527% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 4,370 |
| Loan loss allowance to noncurrent loans | 43.8030% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.3113% | 1,634 |
| Noncurrent loans to loans | 2.3815% | 818 |
| Net loans and leases to total assets | 47.6218% | 4,997 |
| Net loans and leases to deposits | 68.1287% | 4,045 |
| Net loans and leases to core deposits | 71.7175% | 4,085 |
| Total domestic deposits to total assets | 69.8998% | 5,871 |
| Equity capital to assets | 18.8449% | 270 |
| Core capital (leverage) ratio | 18.6652% | 252 |
| Tier 1 risk-based capital ratio | 43.8599% | 190 |
| Total risk-based capital ratio | 45.0437% | 188 |
| Memoranda: | ||
| Average total assets | $215,652,000 | 2,826 |
| Average earning assets | $200,898,000 | 2,814 |
| Average equity | $40,126,000 | 1,842 |
| Average total loans | $103,181,000 | 3,368 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 4,960 |
| Cost of funding earning assets | 0.4948% | 2,201 |
| Net interest margin | 2.9897% | 5,163 |
| Noninterest income to average assets | 0.3630% | 4,310 |
| Noninterest expense to average assets | 2.0735% | 5,304 |
| Loan and lease loss provision to assets | 0.0628% | 3,042 |
| Net operating income to assets | 0.7727% | 3,452 |
| Return on assets (ROA) | 0.8944% | 2,985 |
| Pretax return on assets | 1.1561% | 2,821 |
| Return on Equity (ROE) | 4.9449% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.9449% | 2,458 |
| Net charge-offs to loans | 0.1078% | 2,310 |
| Credit loss provision to net charge-offs | 126.4151% | 2,058 |
| Earnings coverage of net charge-offs (x) | 21.3396% | 1,817 |
| Efficiency ratio | 66.1529% | 3,882 |
| Assets per employee ($millions) | 7.1725% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 4,560 |
| Loan loss allowance to noncurrent loans | 50.0243% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 1,952 |
| Noncurrent loans to loans | 2.0136% | 1,030 |
| Net loans and leases to total assets | 47.0880% | 5,085 |
| Net loans and leases to deposits | 67.1398% | 4,208 |
| Net loans and leases to core deposits | 70.6786% | 4,252 |
| Total domestic deposits to total assets | 70.1342% | 5,891 |
| Equity capital to assets | 18.3678% | 288 |
| Core capital (leverage) ratio | 18.3265% | 272 |
| Tier 1 risk-based capital ratio | 42.8078% | 193 |
| Total risk-based capital ratio | 43.9337% | 193 |
| Memoranda: | ||
| Average total assets | $213,209,400 | 2,809 |
| Average earning assets | $197,646,800 | 2,806 |
| Average equity | $38,565,000 | 1,862 |
| Average total loans | $98,349,600 | 3,413 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 5,065 |
| Cost of funding earning assets | 0.4875% | 2,338 |
| Net interest margin | 2.9780% | 5,252 |
| Noninterest income to average assets | 0.4074% | 4,031 |
| Noninterest expense to average assets | 2.0916% | 5,291 |
| Loan and lease loss provision to assets | 0.0476% | 3,252 |
| Net operating income to assets | 0.8079% | 3,394 |
| Return on assets (ROA) | 0.9233% | 2,933 |
| Pretax return on assets | 1.1765% | 2,906 |
| Return on Equity (ROE) | 5.1244% | 4,572 |
| Retained earnings to average equity (ytd only) | 5.1244% | 2,829 |
| Net charge-offs to loans | 0.0260% | 3,421 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 90.3782% | 684 |
| Efficiency ratio | 66.0269% | 3,887 |
| Assets per employee ($millions) | 7.1180% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 4,446 |
| Loan loss allowance to noncurrent loans | 46.9234% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 1,840 |
| Noncurrent loans to loans | 2.2477% | 962 |
| Net loans and leases to total assets | 46.5695% | 5,188 |
| Net loans and leases to deposits | 66.6091% | 4,318 |
| Net loans and leases to core deposits | 69.7740% | 4,390 |
| Total domestic deposits to total assets | 69.9146% | 5,975 |
| Equity capital to assets | 18.2646% | 324 |
| Core capital (leverage) ratio | 18.3726% | 278 |
| Tier 1 risk-based capital ratio | 42.8187% | 212 |
| Total risk-based capital ratio | 43.9989% | 209 |
| Memoranda: | ||
| Average total assets | $212,717,750 | 2,835 |
| Average earning assets | $197,172,750 | 2,830 |
| Average equity | $38,325,500 | 1,888 |
| Average total loans | $97,348,750 | 3,462 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 5,017 |
| Cost of funding earning assets | 0.4768% | 2,459 |
| Net interest margin | 3.0123% | 5,196 |
| Noninterest income to average assets | 0.3728% | 4,275 |
| Noninterest expense to average assets | 2.1314% | 5,271 |
| Loan and lease loss provision to assets | 0.0075% | 3,956 |
| Net operating income to assets | 0.7687% | 3,543 |
| Return on assets (ROA) | 0.9028% | 2,985 |
| Pretax return on assets | 1.2022% | 2,768 |
| Return on Equity (ROE) | 5.0341% | 4,600 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,842 |
| Net charge-offs to loans | 0.0395% | 2,889 |
| Credit loss provision to net charge-offs | 42.1053% | 2,786 |
| Earnings coverage of net charge-offs (x) | 57.6316% | 862 |
| Efficiency ratio | 67.4010% | 3,767 |
| Assets per employee ($millions) | 7.2277% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 4,844 |
| Loan loss allowance to noncurrent loans | 42.4839% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 1,857 |
| Noncurrent loans to loans | 2.3675% | 980 |
| Net loans and leases to total assets | 46.5809% | 5,209 |
| Net loans and leases to deposits | 66.6664% | 4,269 |
| Net loans and leases to core deposits | 69.6925% | 4,348 |
| Total domestic deposits to total assets | 69.8716% | 6,042 |
| Equity capital to assets | 18.2025% | 319 |
| Core capital (leverage) ratio | 18.2177% | 274 |
| Tier 1 risk-based capital ratio | 35.8141% | 343 |
| Total risk-based capital ratio | 36.7522% | 350 |
| Memoranda: | ||
| Average total assets | $212,444,000 | 2,859 |
| Average earning assets | $196,726,000 | 2,852 |
| Average equity | $38,100,000 | 1,907 |
| Average total loans | $96,297,000 | 3,503 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 5,068 |
| Cost of funding earning assets | 0.4793% | 2,456 |
| Net interest margin | 2.9787% | 5,273 |
| Noninterest income to average assets | 0.3834% | 4,135 |
| Noninterest expense to average assets | 2.0237% | 5,537 |
| Loan and lease loss provision to assets | -0.0299% | 6,129 |
| Net operating income to assets | 0.8835% | 2,827 |
| Return on assets (ROA) | 1.0736% | 2,077 |
| Pretax return on assets | 1.4028% | 1,879 |
| Return on Equity (ROE) | 6.0304% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.0304% | 2,485 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2518% | 4,439 |
| Assets per employee ($millions) | 7.3580% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,905 |
| Loan loss allowance to noncurrent loans | 43.0065% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 2,024 |
| Noncurrent loans to loans | 2.3811% | 1,032 |
| Net loans and leases to total assets | 44.7074% | 5,289 |
| Net loans and leases to deposits | 63.7010% | 4,401 |
| Net loans and leases to core deposits | 66.6494% | 4,461 |
| Total domestic deposits to total assets | 70.1832% | 6,124 |
| Equity capital to assets | 18.0877% | 327 |
| Core capital (leverage) ratio | 16.6702% | 396 |
| Tier 1 risk-based capital ratio | 33.6301% | 403 |
| Total risk-based capital ratio | 34.5788% | 409 |
| Memoranda: | ||
| Average total assets | $213,864,500 | 2,863 |
| Average earning assets | $198,609,000 | 2,852 |
| Average equity | $38,073,500 | 1,923 |
| Average total loans | $95,132,000 | 3,542 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 5,214 |
| Cost of funding earning assets | 0.5428% | 2,268 |
| Net interest margin | 3.0028% | 5,444 |
| Noninterest income to average assets | 0.3912% | 4,260 |
| Noninterest expense to average assets | 1.9770% | 5,809 |
| Loan and lease loss provision to assets | 0.0211% | 4,191 |
| Net operating income to assets | 0.8877% | 2,937 |
| Return on assets (ROA) | 0.9569% | 2,673 |
| Pretax return on assets | 1.2603% | 2,389 |
| Return on Equity (ROE) | 5.6679% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.6679% | 2,154 |
| Net charge-offs to loans | -0.0010% | 5,343 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4167% | 4,840 |
| Assets per employee ($millions) | 7.1449% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 4,707 |
| Loan loss allowance to noncurrent loans | 49.9005% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1752% | 2,415 |
| Noncurrent loans to loans | 2.1411% | 1,263 |
| Net loans and leases to total assets | 43.3299% | 5,509 |
| Net loans and leases to deposits | 61.6019% | 4,757 |
| Net loans and leases to core deposits | 64.7734% | 4,773 |
| Total domestic deposits to total assets | 70.3386% | 6,179 |
| Equity capital to assets | 17.5189% | 359 |
| Core capital (leverage) ratio | 17.4728% | 327 |
| Tier 1 risk-based capital ratio | 36.3082% | 303 |
| Total risk-based capital ratio | 37.2923% | 305 |
| Memoranda: | ||
| Average total assets | $213,198,400 | 2,850 |
| Average earning assets | $197,117,400 | 2,836 |
| Average equity | $35,992,200 | 1,952 |
| Average total loans | $95,548,800 | 3,516 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5763% | 5,206 |
| Cost of funding earning assets | 0.5531% | 2,259 |
| Net interest margin | 3.0232% | 5,457 |
| Noninterest income to average assets | 0.3983% | 4,256 |
| Noninterest expense to average assets | 1.9601% | 5,846 |
| Loan and lease loss provision to assets | 0.0595% | 3,173 |
| Net operating income to assets | 0.8825% | 3,005 |
| Return on assets (ROA) | 0.9487% | 2,782 |
| Pretax return on assets | 1.2600% | 2,533 |
| Return on Equity (ROE) | 5.6736% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.6736% | 2,624 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4207% | 4,978 |
| Assets per employee ($millions) | 7.1621% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 4,733 |
| Loan loss allowance to noncurrent loans | 65.7911% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 2,997 |
| Noncurrent loans to loans | 1.6768% | 1,946 |
| Net loans and leases to total assets | 43.8910% | 5,526 |
| Net loans and leases to deposits | 62.2490% | 4,713 |
| Net loans and leases to core deposits | 65.8428% | 4,727 |
| Total domestic deposits to total assets | 70.5088% | 6,259 |
| Equity capital to assets | 17.1401% | 411 |
| Core capital (leverage) ratio | 17.3040% | 342 |
| Tier 1 risk-based capital ratio | 36.1063% | 323 |
| Total risk-based capital ratio | 37.1547% | 322 |
| Memoranda: | ||
| Average total assets | $212,911,500 | 2,874 |
| Average earning assets | $196,698,500 | 2,867 |
| Average equity | $35,602,500 | 1,977 |
| Average total loans | $95,966,250 | 3,534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 5,224 |
| Cost of funding earning assets | 0.5599% | 2,262 |
| Net interest margin | 3.0143% | 5,480 |
| Noninterest income to average assets | 0.3712% | 4,466 |
| Noninterest expense to average assets | 1.9683% | 5,875 |
| Loan and lease loss provision to assets | 0.0537% | 3,226 |
| Net operating income to assets | 0.8782% | 2,918 |
| Return on assets (ROA) | 0.8782% | 3,005 |
| Pretax return on assets | 1.1288% | 2,983 |
| Return on Equity (ROE) | 5.2964% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.2964% | 2,765 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4701% | 4,948 |
| Assets per employee ($millions) | 6.8923% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 5,027 |
| Loan loss allowance to noncurrent loans | 60.8643% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 2,942 |
| Noncurrent loans to loans | 1.7562% | 1,964 |
| Net loans and leases to total assets | 43.9245% | 5,536 |
| Net loans and leases to deposits | 62.5788% | 4,632 |
| Net loans and leases to core deposits | 66.1367% | 4,623 |
| Total domestic deposits to total assets | 70.1908% | 6,348 |
| Equity capital to assets | 16.8935% | 429 |
| Core capital (leverage) ratio | 17.0827% | 354 |
| Tier 1 risk-based capital ratio | 35.2407% | 339 |
| Total risk-based capital ratio | 36.2611% | 339 |
| Memoranda: | ||
| Average total assets | $212,260,670 | 2,890 |
| Average earning assets | $195,732,000 | 2,889 |
| Average equity | $35,194,000 | 1,984 |
| Average total loans | $96,169,000 | 3,537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 5,179 |
| Cost of funding earning assets | 0.5628% | 2,315 |
| Net interest margin | 3.0336% | 5,435 |
| Noninterest income to average assets | 0.4008% | 4,176 |
| Noninterest expense to average assets | 1.8397% | 6,160 |
| Loan and lease loss provision to assets | 0.1777% | 1,357 |
| Net operating income to assets | 0.9265% | 2,520 |
| Return on assets (ROA) | 0.9265% | 2,593 |
| Pretax return on assets | 1.1760% | 2,583 |
| Return on Equity (ROE) | 5.6413% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.6413% | 2,722 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6081% | 5,686 |
| Assets per employee ($millions) | 7.0949% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,150 |
| Loan loss allowance to noncurrent loans | 61.0337% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 3,024 |
| Noncurrent loans to loans | 1.7903% | 2,154 |
| Net loans and leases to total assets | 44.6948% | 5,450 |
| Net loans and leases to deposits | 63.3251% | 4,397 |
| Net loans and leases to core deposits | 66.8306% | 4,412 |
| Total domestic deposits to total assets | 70.5799% | 6,425 |
| Equity capital to assets | 16.5855% | 444 |
| Core capital (leverage) ratio | 17.1556% | 353 |
| Tier 1 risk-based capital ratio | 34.6637% | 361 |
| Total risk-based capital ratio | 35.7154% | 359 |
| Memoranda: | ||
| Average total assets | $211,560,000 | 2,903 |
| Average earning assets | $194,749,500 | 2,907 |
| Average equity | $34,743,500 | 1,996 |
| Average total loans | $96,821,500 | 3,538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 5,436 |
| Cost of funding earning assets | 0.6558% | 2,161 |
| Net interest margin | 2.9328% | 5,725 |
| Noninterest income to average assets | 0.4989% | 3,769 |
| Noninterest expense to average assets | 1.9200% | 6,161 |
| Loan and lease loss provision to assets | 0.0342% | 4,433 |
| Net operating income to assets | 1.0142% | 2,268 |
| Return on assets (ROA) | 1.0146% | 2,328 |
| Pretax return on assets | 1.2414% | 2,409 |
| Return on Equity (ROE) | 6.1834% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.1834% | 1,864 |
| Net charge-offs to loans | 0.1070% | 3,760 |
| Credit loss provision to net charge-offs | 68.2692% | 3,350 |
| Earnings coverage of net charge-offs (x) | 25.4615% | 1,326 |
| Efficiency ratio | 60.0904% | 5,459 |
| Assets per employee ($millions) | 7.0091% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 5,648 |
| Loan loss allowance to noncurrent loans | 55.2860% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 3,106 |
| Noncurrent loans to loans | 1.7761% | 2,267 |
| Net loans and leases to total assets | 45.8944% | 5,500 |
| Net loans and leases to deposits | 64.6024% | 4,450 |
| Net loans and leases to core deposits | 68.3255% | 4,472 |
| Total domestic deposits to total assets | 71.0413% | 6,477 |
| Equity capital to assets | 16.2575% | 495 |
| Core capital (leverage) ratio | 16.8412% | 390 |
| Tier 1 risk-based capital ratio | 33.2771% | 387 |
| Total risk-based capital ratio | 34.1996% | 395 |
| Memoranda: | ||
| Average total assets | $207,661,400 | 2,939 |
| Average earning assets | $190,912,400 | 2,943 |
| Average equity | $34,075,000 | 2,019 |
| Average total loans | $97,165,400 | 3,528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 5,447 |
| Cost of funding earning assets | 0.6672% | 2,204 |
| Net interest margin | 2.9291% | 5,744 |
| Noninterest income to average assets | 0.4728% | 3,983 |
| Noninterest expense to average assets | 1.9206% | 6,152 |
| Loan and lease loss provision to assets | -0.0187% | 6,482 |
| Net operating income to assets | 1.0449% | 2,204 |
| Return on assets (ROA) | 1.0492% | 2,269 |
| Pretax return on assets | 1.2708% | 2,447 |
| Return on Equity (ROE) | 6.3792% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.3792% | 2,196 |
| Net charge-offs to loans | 0.0494% | 4,198 |
| Credit loss provision to net charge-offs | -80.5556% | 5,752 |
| Earnings coverage of net charge-offs (x) | 53.7765% | 820 |
| Efficiency ratio | 60.6344% | 5,341 |
| Assets per employee ($millions) | 7.0176% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 5,878 |
| Loan loss allowance to noncurrent loans | 50.4637% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 3,195 |
| Noncurrent loans to loans | 1.9052% | 2,360 |
| Net loans and leases to total assets | 45.2588% | 5,608 |
| Net loans and leases to deposits | 63.5652% | 4,562 |
| Net loans and leases to core deposits | 66.8395% | 4,638 |
| Total domestic deposits to total assets | 71.2006% | 6,540 |
| Equity capital to assets | 16.0211% | 550 |
| Core capital (leverage) ratio | 16.8023% | 402 |
| Tier 1 risk-based capital ratio | 33.2333% | 392 |
| Total risk-based capital ratio | 34.1127% | 398 |
| Memoranda: | ||
| Average total assets | $207,008,750 | 2,961 |
| Average earning assets | $190,450,500 | 2,968 |
| Average equity | $34,047,500 | 2,035 |
| Average total loans | $97,091,750 | 3,549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 5,246 |
| Cost of funding earning assets | 0.6802% | 2,219 |
| Net interest margin | 2.9876% | 5,590 |
| Noninterest income to average assets | 0.4713% | 4,017 |
| Noninterest expense to average assets | 2.0006% | 6,045 |
| Loan and lease loss provision to assets | 0.0136% | 4,611 |
| Net operating income to assets | 1.0589% | 2,081 |
| Return on assets (ROA) | 1.0649% | 2,175 |
| Pretax return on assets | 1.2165% | 2,598 |
| Return on Equity (ROE) | 6.4181% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.4181% | 2,192 |
| Net charge-offs to loans | 0.0760% | 3,626 |
| Credit loss provision to net charge-offs | 37.8378% | 3,458 |
| Earnings coverage of net charge-offs (x) | 34.0270% | 1,043 |
| Efficiency ratio | 62.0555% | 5,163 |
| Assets per employee ($millions) | 6.9280% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,867 |
| Loan loss allowance to noncurrent loans | 55.3520% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2024% | 3,341 |
| Noncurrent loans to loans | 1.7879% | 2,651 |
| Net loans and leases to total assets | 46.5469% | 5,473 |
| Net loans and leases to deposits | 66.2564% | 4,236 |
| Net loans and leases to core deposits | 69.5293% | 4,319 |
| Total domestic deposits to total assets | 70.2526% | 6,651 |
| Equity capital to assets | 16.1008% | 514 |
| Core capital (leverage) ratio | 16.5520% | 413 |
| Tier 1 risk-based capital ratio | 33.0880% | 404 |
| Total risk-based capital ratio | 34.0183% | 405 |
| Memoranda: | ||
| Average total assets | $205,835,330 | 2,991 |
| Average earning assets | $189,649,670 | 2,994 |
| Average equity | $34,153,670 | 2,038 |
| Average total loans | $97,386,330 | 3,556 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 5,360 |
| Cost of funding earning assets | 0.6767% | 2,420 |
| Net interest margin | 2.9541% | 5,695 |
| Noninterest income to average assets | 0.4316% | 4,240 |
| Noninterest expense to average assets | 1.9587% | 6,186 |
| Loan and lease loss provision to assets | -0.0273% | 6,760 |
| Net operating income to assets | 0.9551% | 2,422 |
| Return on assets (ROA) | 0.9627% | 2,518 |
| Pretax return on assets | 1.2381% | 2,441 |
| Return on Equity (ROE) | 5.7162% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.7162% | 2,832 |
| Net charge-offs to loans | -0.0041% | 5,235 |
| Credit loss provision to net charge-offs | 1,400.0000% | 233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9901% | 5,302 |
| Assets per employee ($millions) | 6.9067% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,961 |
| Loan loss allowance to noncurrent loans | 44.9816% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 3,396 |
| Noncurrent loans to loans | 2.2384% | 2,343 |
| Net loans and leases to total assets | 46.3588% | 5,402 |
| Net loans and leases to deposits | 66.6130% | 3,968 |
| Net loans and leases to core deposits | 69.9576% | 4,088 |
| Total domestic deposits to total assets | 69.5943% | 6,769 |
| Equity capital to assets | 16.7301% | 457 |
| Core capital (leverage) ratio | 16.6906% | 383 |
| Tier 1 risk-based capital ratio | 32.8422% | 419 |
| Total risk-based capital ratio | 33.7916% | 423 |
| Memoranda: | ||
| Average total assets | $204,833,000 | 3,037 |
| Average earning assets | $189,159,500 | 3,026 |
| Average equity | $34,498,500 | 2,048 |
| Average total loans | $97,224,500 | 3,586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 5,728 |
| Cost of funding earning assets | 0.8277% | 2,438 |
| Net interest margin | 3.0140% | 6,022 |
| Noninterest income to average assets | 0.6893% | 2,775 |
| Noninterest expense to average assets | 1.9260% | 6,462 |
| Loan and lease loss provision to assets | 0.1069% | 4,300 |
| Net operating income to assets | 0.9892% | 2,387 |
| Return on assets (ROA) | 1.1563% | 1,907 |
| Pretax return on assets | 1.6688% | 1,216 |
| Return on Equity (ROE) | 6.9707% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.9707% | 1,581 |
| Net charge-offs to loans | 0.1235% | 4,446 |
| Credit loss provision to net charge-offs | 178.3333% | 1,473 |
| Earnings coverage of net charge-offs (x) | 25.5833% | 1,132 |
| Efficiency ratio | 55.6743% | 6,095 |
| Assets per employee ($millions) | 6.7488% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 5,910 |
| Loan loss allowance to noncurrent loans | 43.8441% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4417% | 3,226 |
| Noncurrent loans to loans | 2.3179% | 2,329 |
| Net loans and leases to total assets | 47.6260% | 5,452 |
| Net loans and leases to deposits | 66.9462% | 4,138 |
| Net loans and leases to core deposits | 70.0317% | 4,309 |
| Total domestic deposits to total assets | 71.1407% | 6,734 |
| Equity capital to assets | 16.9570% | 421 |
| Core capital (leverage) ratio | 16.5740% | 392 |
| Tier 1 risk-based capital ratio | 32.6164% | 413 |
| Total risk-based capital ratio | 33.6045% | 413 |
| Memoranda: | ||
| Average total assets | $200,205,400 | 3,042 |
| Average earning assets | $184,005,000 | 3,039 |
| Average equity | $33,210,200 | 2,073 |
| Average total loans | $97,171,600 | 3,590 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 5,858 |
| Cost of funding earning assets | 0.8483% | 2,552 |
| Net interest margin | 3.0221% | 6,123 |
| Noninterest income to average assets | 0.6745% | 2,856 |
| Noninterest expense to average assets | 1.9060% | 6,513 |
| Loan and lease loss provision to assets | 0.1636% | 3,475 |
| Net operating income to assets | 0.9739% | 2,639 |
| Return on assets (ROA) | 1.2015% | 1,902 |
| Pretax return on assets | 1.6997% | 1,269 |
| Return on Equity (ROE) | 7.2840% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.2840% | 1,951 |
| Net charge-offs to loans | 0.1648% | 3,805 |
| Credit loss provision to net charge-offs | 204.1667% | 1,355 |
| Earnings coverage of net charge-offs (x) | 19.2495% | 1,506 |
| Efficiency ratio | 55.2672% | 6,130 |
| Assets per employee ($millions) | 6.7521% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,940 |
| Loan loss allowance to noncurrent loans | 54.6574% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 3,810 |
| Noncurrent loans to loans | 1.8988% | 2,963 |
| Net loans and leases to total assets | 48.0638% | 5,536 |
| Net loans and leases to deposits | 67.6781% | 4,232 |
| Net loans and leases to core deposits | 71.7172% | 4,289 |
| Total domestic deposits to total assets | 71.0183% | 6,794 |
| Equity capital to assets | 16.6867% | 504 |
| Core capital (leverage) ratio | 16.3808% | 437 |
| Tier 1 risk-based capital ratio | 32.4006% | 424 |
| Total risk-based capital ratio | 33.4344% | 428 |
| Memoranda: | ||
| Average total assets | $199,640,500 | 3,081 |
| Average earning assets | $183,266,750 | 3,075 |
| Average equity | $32,929,750 | 2,110 |
| Average total loans | $97,110,500 | 3,633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 5,771 |
| Cost of funding earning assets | 0.8745% | 2,608 |
| Net interest margin | 3.0804% | 6,058 |
| Noninterest income to average assets | 0.7742% | 2,318 |
| Noninterest expense to average assets | 1.9570% | 6,504 |
| Loan and lease loss provision to assets | 0.1691% | 3,411 |
| Net operating income to assets | 1.0669% | 2,175 |
| Return on assets (ROA) | 1.4174% | 1,291 |
| Pretax return on assets | 1.9510% | 756 |
| Return on Equity (ROE) | 8.6276% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.6276% | 1,405 |
| Net charge-offs to loans | 0.2482% | 3,092 |
| Credit loss provision to net charge-offs | 140.0000% | 1,968 |
| Earnings coverage of net charge-offs (x) | 13.5750% | 1,786 |
| Efficiency ratio | 54.4081% | 6,279 |
| Assets per employee ($millions) | 6.6172% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 6,229 |
| Loan loss allowance to noncurrent loans | 53.2731% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 4,001 |
| Noncurrent loans to loans | 1.8410% | 3,164 |
| Net loans and leases to total assets | 48.0100% | 5,611 |
| Net loans and leases to deposits | 67.0074% | 4,363 |
| Net loans and leases to core deposits | 71.0337% | 4,408 |
| Total domestic deposits to total assets | 71.6488% | 6,819 |
| Equity capital to assets | 16.7583% | 476 |
| Core capital (leverage) ratio | 16.3842% | 425 |
| Tier 1 risk-based capital ratio | 33.0461% | 405 |
| Total risk-based capital ratio | 34.0328% | 401 |
| Memoranda: | ||
| Average total assets | $198,666,670 | 3,095 |
| Average earning assets | $182,055,670 | 3,100 |
| Average equity | $32,639,330 | 2,110 |
| Average total loans | $96,687,330 | 3,651 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 6,007 |
| Cost of funding earning assets | 0.9073% | 2,632 |
| Net interest margin | 2.9966% | 6,297 |
| Noninterest income to average assets | 0.7467% | 2,415 |
| Noninterest expense to average assets | 1.9744% | 6,514 |
| Loan and lease loss provision to assets | 0.0684% | 4,554 |
| Net operating income to assets | 0.9404% | 2,745 |
| Return on assets (ROA) | 0.9862% | 2,726 |
| Pretax return on assets | 1.5196% | 1,823 |
| Return on Equity (ROE) | 6.0634% | 4,250 |
| Retained earnings to average equity (ytd only) | 6.0634% | 2,915 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5418% | 6,070 |
| Assets per employee ($millions) | 6.6485% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 6,415 |
| Loan loss allowance to noncurrent loans | 43.8266% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 3,986 |
| Noncurrent loans to loans | 2.1698% | 2,948 |
| Net loans and leases to total assets | 48.5653% | 5,480 |
| Net loans and leases to deposits | 67.1626% | 4,200 |
| Net loans and leases to core deposits | 70.9885% | 4,290 |
| Total domestic deposits to total assets | 72.3100% | 6,862 |
| Equity capital to assets | 16.3240% | 524 |
| Core capital (leverage) ratio | 15.9815% | 465 |
| Tier 1 risk-based capital ratio | 32.2589% | 425 |
| Total risk-based capital ratio | 33.2347% | 426 |
| Memoranda: | ||
| Average total assets | $198,741,500 | 3,118 |
| Average earning assets | $182,070,500 | 3,123 |
| Average equity | $32,325,000 | 2,129 |
| Average total loans | $96,905,000 | 3,664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 5,399 |
| Cost of funding earning assets | 1.1548% | 2,321 |
| Net interest margin | 3.2511% | 5,959 |
| Noninterest income to average assets | 0.4844% | 3,964 |
| Noninterest expense to average assets | 2.1220% | 6,446 |
| Loan and lease loss provision to assets | 0.0294% | 6,206 |
| Net operating income to assets | 0.9817% | 2,272 |
| Return on assets (ROA) | 1.0049% | 2,322 |
| Pretax return on assets | 1.3347% | 2,000 |
| Return on Equity (ROE) | 6.2621% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.2621% | 1,873 |
| Net charge-offs to loans | -0.0135% | 6,914 |
| Credit loss provision to net charge-offs | -430.7692% | 6,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4171% | 5,549 |
| Assets per employee ($millions) | 6.6009% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 6,450 |
| Loan loss allowance to noncurrent loans | 38.8552% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 3,772 |
| Noncurrent loans to loans | 2.4017% | 2,722 |
| Net loans and leases to total assets | 48.0326% | 5,820 |
| Net loans and leases to deposits | 67.5305% | 4,507 |
| Net loans and leases to core deposits | 71.4582% | 4,597 |
| Total domestic deposits to total assets | 71.1273% | 6,922 |
| Equity capital to assets | 16.2053% | 554 |
| Core capital (leverage) ratio | 15.6237% | 506 |
| Tier 1 risk-based capital ratio | 32.0497% | 424 |
| Total risk-based capital ratio | 33.0006% | 427 |
| Memoranda: | ||
| Average total assets | $190,760,600 | 3,175 |
| Average earning assets | $174,311,800 | 3,170 |
| Average equity | $30,612,800 | 2,149 |
| Average total loans | $96,267,000 | 3,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 5,310 |
| Cost of funding earning assets | 1.1749% | 2,481 |
| Net interest margin | 3.3054% | 5,846 |
| Noninterest income to average assets | 0.4664% | 4,155 |
| Noninterest expense to average assets | 2.1600% | 6,370 |
| Loan and lease loss provision to assets | 0.0529% | 5,785 |
| Net operating income to assets | 1.0699% | 2,074 |
| Return on assets (ROA) | 1.0818% | 2,180 |
| Pretax return on assets | 1.2892% | 2,323 |
| Return on Equity (ROE) | 6.7584% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.7584% | 2,105 |
| Net charge-offs to loans | 0.0055% | 6,101 |
| Credit loss provision to net charge-offs | 1,875.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 470.7824% | 80 |
| Efficiency ratio | 61.9260% | 5,418 |
| Assets per employee ($millions) | 6.7319% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,514 |
| Loan loss allowance to noncurrent loans | 44.0196% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 4,190 |
| Noncurrent loans to loans | 2.1116% | 3,230 |
| Net loans and leases to total assets | 47.3910% | 6,019 |
| Net loans and leases to deposits | 68.3011% | 4,552 |
| Net loans and leases to core deposits | 72.3178% | 4,674 |
| Total domestic deposits to total assets | 69.3854% | 7,068 |
| Equity capital to assets | 15.6727% | 690 |
| Core capital (leverage) ratio | 15.7242% | 544 |
| Tier 1 risk-based capital ratio | 31.3297% | 480 |
| Total risk-based capital ratio | 32.2761% | 481 |
| Memoranda: | ||
| Average total assets | $188,943,750 | 3,213 |
| Average earning assets | $172,724,500 | 3,206 |
| Average equity | $30,243,250 | 2,181 |
| Average total loans | $96,330,250 | 3,743 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 4,864 |
| Cost of funding earning assets | 1.2159% | 2,470 |
| Net interest margin | 3.4102% | 5,522 |
| Noninterest income to average assets | 0.4637% | 4,156 |
| Noninterest expense to average assets | 2.2762% | 6,185 |
| Loan and lease loss provision to assets | 0.1560% | 4,361 |
| Net operating income to assets | 1.0524% | 2,028 |
| Return on assets (ROA) | 1.0693% | 2,060 |
| Pretax return on assets | 1.1614% | 2,633 |
| Return on Equity (ROE) | 6.6300% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.6300% | 2,065 |
| Net charge-offs to loans | 0.0083% | 5,740 |
| Credit loss provision to net charge-offs | 3,600.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 299.7500% | 115 |
| Efficiency ratio | 63.6667% | 5,309 |
| Assets per employee ($millions) | 6.2402% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,342 |
| Loan loss allowance to noncurrent loans | 53.7820% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 4,332 |
| Noncurrent loans to loans | 1.8575% | 3,670 |
| Net loans and leases to total assets | 51.1901% | 5,669 |
| Net loans and leases to deposits | 70.3001% | 4,399 |
| Net loans and leases to core deposits | 74.4770% | 4,514 |
| Total domestic deposits to total assets | 72.8166% | 6,943 |
| Equity capital to assets | 16.4311% | 553 |
| Core capital (leverage) ratio | 16.2204% | 480 |
| Tier 1 risk-based capital ratio | 30.3137% | 516 |
| Total risk-based capital ratio | 31.3141% | 520 |
| Memoranda: | ||
| Average total assets | $184,606,330 | 3,307 |
| Average earning assets | $168,434,000 | 3,303 |
| Average equity | $29,773,670 | 2,197 |
| Average total loans | $96,238,000 | 3,790 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 4,631 |
| Cost of funding earning assets | 1.2592% | 2,437 |
| Net interest margin | 3.4153% | 5,370 |
| Noninterest income to average assets | 0.5172% | 3,746 |
| Noninterest expense to average assets | 2.0927% | 6,652 |
| Loan and lease loss provision to assets | 0.0873% | 4,916 |
| Net operating income to assets | 0.7929% | 3,065 |
| Return on assets (ROA) | 0.7943% | 3,131 |
| Pretax return on assets | 1.4468% | 1,609 |
| Return on Equity (ROE) | 4.9726% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.9726% | 3,213 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7363% | 6,297 |
| Assets per employee ($millions) | 5.9168% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,675 |
| Loan loss allowance to noncurrent loans | 55.8274% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 4,382 |
| Noncurrent loans to loans | 1.6287% | 4,034 |
| Net loans and leases to total assets | 51.5129% | 5,647 |
| Net loans and leases to deposits | 70.4983% | 4,271 |
| Net loans and leases to core deposits | 75.1655% | 4,401 |
| Total domestic deposits to total assets | 73.0698% | 6,994 |
| Equity capital to assets | 16.1382% | 552 |
| Core capital (leverage) ratio | 16.1016% | 484 |
| Tier 1 risk-based capital ratio | 29.9839% | 523 |
| Total risk-based capital ratio | 30.8896% | 529 |
| Memoranda: | ||
| Average total assets | $183,306,500 | 3,350 |
| Average earning assets | $166,777,000 | 3,346 |
| Average equity | $29,280,500 | 2,216 |
| Average total loans | $95,958,000 | 3,834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 5,341 |
| Cost of funding earning assets | 1.5594% | 2,304 |
| Net interest margin | 3.2624% | 6,096 |
| Noninterest income to average assets | 0.5415% | 3,876 |
| Noninterest expense to average assets | 2.0512% | 6,943 |
| Loan and lease loss provision to assets | 0.1970% | 5,266 |
| Net operating income to assets | 0.9351% | 2,259 |
| Return on assets (ROA) | 1.0299% | 2,041 |
| Pretax return on assets | 1.4120% | 1,629 |
| Return on Equity (ROE) | 6.6375% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.6375% | 1,489 |
| Net charge-offs to loans | 0.3163% | 4,438 |
| Credit loss provision to net charge-offs | 121.1221% | 3,474 |
| Earnings coverage of net charge-offs (x) | 9.0957% | 1,876 |
| Efficiency ratio | 58.1028% | 6,325 |
| Assets per employee ($millions) | 5.9094% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,840 |
| Loan loss allowance to noncurrent loans | 63.2263% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 4,677 |
| Noncurrent loans to loans | 1.3546% | 4,450 |
| Net loans and leases to total assets | 52.2602% | 5,879 |
| Net loans and leases to deposits | 71.2088% | 4,647 |
| Net loans and leases to core deposits | 76.0365% | 4,710 |
| Total domestic deposits to total assets | 73.3901% | 6,961 |
| Equity capital to assets | 15.8086% | 620 |
| Core capital (leverage) ratio | 15.6373% | 556 |
| Tier 1 risk-based capital ratio | 29.1956% | 536 |
| Total risk-based capital ratio | 30.0539% | 544 |
| Memoranda: | ||
| Average total assets | $186,332,200 | 3,279 |
| Average earning assets | $170,705,000 | 3,267 |
| Average equity | $28,911,400 | 2,251 |
| Average total loans | $95,801,200 | 3,900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 5,639 |
| Cost of funding earning assets | 1.5888% | 2,448 |
| Net interest margin | 3.2156% | 6,287 |
| Noninterest income to average assets | 0.5373% | 3,892 |
| Noninterest expense to average assets | 2.0001% | 7,047 |
| Loan and lease loss provision to assets | 0.1845% | 5,199 |
| Net operating income to assets | 1.0210% | 2,171 |
| Return on assets (ROA) | 1.0888% | 2,040 |
| Pretax return on assets | 1.3916% | 1,901 |
| Return on Equity (ROE) | 7.0496% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.0496% | 1,819 |
| Net charge-offs to loans | 0.2273% | 4,569 |
| Credit loss provision to net charge-offs | 158.8957% | 2,394 |
| Earnings coverage of net charge-offs (x) | 12.8220% | 1,647 |
| Efficiency ratio | 57.3208% | 6,373 |
| Assets per employee ($millions) | 6.1298% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 6,764 |
| Loan loss allowance to noncurrent loans | 25.8346% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 2.0250% | 3,435 |
| Noncurrent loans to loans | 3.4596% | 2,300 |
| Net loans and leases to total assets | 50.1255% | 6,311 |
| Net loans and leases to deposits | 70.4366% | 5,081 |
| Net loans and leases to core deposits | 75.6156% | 5,108 |
| Total domestic deposits to total assets | 71.1640% | 7,202 |
| Equity capital to assets | 15.7291% | 723 |
| Core capital (leverage) ratio | 15.1345% | 689 |
| Tier 1 risk-based capital ratio | 29.0509% | 567 |
| Total risk-based capital ratio | 29.9564% | 573 |
| Memoranda: | ||
| Average total assets | $187,117,500 | 3,315 |
| Average earning assets | $171,782,000 | 3,290 |
| Average equity | $28,899,250 | 2,280 |
| Average total loans | $95,610,750 | 3,980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 5,643 |
| Cost of funding earning assets | 1.6132% | 2,582 |
| Net interest margin | 3.2264% | 6,235 |
| Noninterest income to average assets | 0.5265% | 3,908 |
| Noninterest expense to average assets | 2.1295% | 6,820 |
| Loan and lease loss provision to assets | 0.2138% | 4,751 |
| Net operating income to assets | 1.0307% | 2,082 |
| Return on assets (ROA) | 1.0819% | 1,989 |
| Pretax return on assets | 1.2012% | 2,411 |
| Return on Equity (ROE) | 7.0495% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.0495% | 1,811 |
| Net charge-offs to loans | 0.2179% | 4,297 |
| Credit loss provision to net charge-offs | 191.3462% | 2,063 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 1,701 |
| Efficiency ratio | 61.0598% | 5,844 |
| Assets per employee ($millions) | 6.0685% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,773 |
| Loan loss allowance to noncurrent loans | 26.2707% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8228% | 3,730 |
| Noncurrent loans to loans | 3.4092% | 2,334 |
| Net loans and leases to total assets | 50.4688% | 6,381 |
| Net loans and leases to deposits | 70.8292% | 5,159 |
| Net loans and leases to core deposits | 74.2020% | 5,424 |
| Total domestic deposits to total assets | 71.2543% | 7,242 |
| Equity capital to assets | 15.4910% | 772 |
| Core capital (leverage) ratio | 14.9547% | 729 |
| Tier 1 risk-based capital ratio | 29.4110% | 546 |
| Total risk-based capital ratio | 30.3369% | 553 |
| Memoranda: | ||
| Average total assets | $186,149,000 | 3,360 |
| Average earning assets | $170,838,330 | 3,327 |
| Average equity | $28,569,330 | 2,299 |
| Average total loans | $95,444,670 | 4,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 5,466 |
| Cost of funding earning assets | 1.6650% | 2,565 |
| Net interest margin | 3.2332% | 6,187 |
| Noninterest income to average assets | 0.4515% | 4,455 |
| Noninterest expense to average assets | 1.7714% | 7,498 |
| Loan and lease loss provision to assets | 0.1512% | 5,031 |
| Net operating income to assets | 1.1638% | 1,637 |
| Return on assets (ROA) | 1.2076% | 1,595 |
| Pretax return on assets | 1.5424% | 1,414 |
| Return on Equity (ROE) | 7.9058% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.9058% | 1,749 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9645% | 7,161 |
| Assets per employee ($millions) | 6.0519% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 6,893 |
| Loan loss allowance to noncurrent loans | 18.6897% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 2.4274% | 2,992 |
| Noncurrent loans to loans | 4.7195% | 1,564 |
| Net loans and leases to total assets | 49.8934% | 6,470 |
| Net loans and leases to deposits | 69.8889% | 5,356 |
| Net loans and leases to core deposits | 73.2073% | 5,590 |
| Total domestic deposits to total assets | 71.3896% | 7,320 |
| Equity capital to assets | 15.2039% | 836 |
| Core capital (leverage) ratio | 14.7853% | 792 |
| Tier 1 risk-based capital ratio | 28.5290% | 602 |
| Total risk-based capital ratio | 29.3985% | 614 |
| Memoranda: | ||
| Average total assets | $185,162,500 | 3,427 |
| Average earning assets | $169,369,500 | 3,412 |
| Average equity | $28,283,000 | 2,353 |
| Average total loans | $95,266,500 | 4,092 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 4,656 |
| Cost of funding earning assets | 2.2191% | 1,948 |
| Net interest margin | 3.1906% | 6,126 |
| Noninterest income to average assets | 0.3970% | 5,223 |
| Noninterest expense to average assets | 3.4385% | 2,557 |
| Loan and lease loss provision to assets | 0.1189% | 6,456 |
| Net operating income to assets | -0.7160% | 6,381 |
| Return on assets (ROA) | -0.6170% | 6,283 |
| Pretax return on assets | -0.1051% | 5,608 |
| Return on Equity (ROE) | -4.0440% | 6,116 |
| Retained earnings to average equity (ytd only) | -4.0440% | 5,870 |
| Net charge-offs to loans | 0.0512% | 6,588 |
| Credit loss provision to net charge-offs | 438.7755% | 714 |
| Earnings coverage of net charge-offs (x) | -3.1429% | 7,062 |
| Efficiency ratio | 102.5392% | 994 |
| Assets per employee ($millions) | 5.8940% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 7,146 |
| Loan loss allowance to noncurrent loans | 33.4356% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 4,597 |
| Noncurrent loans to loans | 2.3747% | 3,194 |
| Net loans and leases to total assets | 52.1752% | 6,405 |
| Net loans and leases to deposits | 71.0500% | 5,461 |
| Net loans and leases to core deposits | 100.8559% | 3,916 |
| Total domestic deposits to total assets | 73.4346% | 7,098 |
| Equity capital to assets | 15.3474% | 833 |
| Core capital (leverage) ratio | 14.7912% | 827 |
| Tier 1 risk-based capital ratio | 28.0478% | 641 |
| Total risk-based capital ratio | 28.8690% | 647 |
| Memoranda: | ||
| Average total assets | $180,866,000 | 3,424 |
| Average earning assets | $167,587,400 | 3,389 |
| Average equity | $27,596,600 | 2,411 |
| Average total loans | $95,667,600 | 4,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 4,776 |
| Cost of funding earning assets | 2.3192% | 1,909 |
| Net interest margin | 3.1138% | 6,271 |
| Noninterest income to average assets | 0.3954% | 5,329 |
| Noninterest expense to average assets | 3.7338% | 1,740 |
| Loan and lease loss provision to assets | 0.1367% | 5,984 |
| Net operating income to assets | -1.1034% | 6,900 |
| Return on assets (ROA) | -0.9807% | 6,823 |
| Pretax return on assets | -0.4590% | 6,253 |
| Return on Equity (ROE) | -6.4372% | 6,601 |
| Retained earnings to average equity (ytd only) | -6.4372% | 6,437 |
| Net charge-offs to loans | 0.0126% | 6,747 |
| Credit loss provision to net charge-offs | 2,055.5556% | 192 |
| Earnings coverage of net charge-offs (x) | -66.8875% | 6,968 |
| Efficiency ratio | 113.5281% | 703 |
| Assets per employee ($millions) | 5.9544% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 7,116 |
| Loan loss allowance to noncurrent loans | 29.2250% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 1.4329% | 4,238 |
| Noncurrent loans to loans | 2.7384% | 2,769 |
| Net loans and leases to total assets | 51.9083% | 6,605 |
| Net loans and leases to deposits | 71.3671% | 5,757 |
| Net loans and leases to core deposits | 99.3468% | 4,447 |
| Total domestic deposits to total assets | 72.7343% | 7,117 |
| Equity capital to assets | 15.0997% | 976 |
| Core capital (leverage) ratio | 14.6195% | 932 |
| Tier 1 risk-based capital ratio | 28.2050% | 675 |
| Total risk-based capital ratio | 29.0700% | 680 |
| Memoranda: | ||
| Average total assets | $180,403,750 | 3,464 |
| Average earning assets | $167,639,250 | 3,410 |
| Average equity | $27,485,250 | 2,436 |
| Average total loans | $95,560,750 | 4,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 4,719 |
| Cost of funding earning assets | 2.3670% | 2,094 |
| Net interest margin | 3.1168% | 6,184 |
| Noninterest income to average assets | 0.3497% | 5,705 |
| Noninterest expense to average assets | 4.7025% | 640 |
| Loan and lease loss provision to assets | 0.1732% | 5,327 |
| Net operating income to assets | -2.1150% | 7,455 |
| Return on assets (ROA) | -1.9720% | 7,417 |
| Pretax return on assets | -1.4848% | 7,082 |
| Return on Equity (ROE) | -12.9038% | 7,223 |
| Retained earnings to average equity (ytd only) | -12.9038% | 7,109 |
| Net charge-offs to loans | 0.0042% | 6,553 |
| Credit loss provision to net charge-offs | 7,750.0000% | 65 |
| Earnings coverage of net charge-offs (x) | -651.0000% | 6,625 |
| Efficiency ratio | 144.7884% | 397 |
| Assets per employee ($millions) | 6.0031% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 7,245 |
| Loan loss allowance to noncurrent loans | 23.5849% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 1.7088% | 3,620 |
| Noncurrent loans to loans | 3.2749% | 2,161 |
| Net loans and leases to total assets | 51.7760% | 6,713 |
| Net loans and leases to deposits | 71.9042% | 5,747 |
| Net loans and leases to core deposits | 101.2367% | 4,373 |
| Total domestic deposits to total assets | 72.0069% | 7,242 |
| Equity capital to assets | 14.3899% | 1,196 |
| Core capital (leverage) ratio | 14.4182% | 1,042 |
| Tier 1 risk-based capital ratio | 26.3557% | 827 |
| Total risk-based capital ratio | 27.1018% | 852 |
| Memoranda: | ||
| Average total assets | $179,009,330 | 3,499 |
| Average earning assets | $166,454,000 | 3,453 |
| Average equity | $27,356,330 | 2,444 |
| Average total loans | $95,218,000 | 4,137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 4,536 |
| Cost of funding earning assets | 2.4473% | 2,114 |
| Net interest margin | 3.1198% | 6,140 |
| Noninterest income to average assets | 0.2416% | 6,522 |
| Noninterest expense to average assets | 2.7606% | 4,735 |
| Loan and lease loss provision to assets | 0.1254% | 5,354 |
| Net operating income to assets | 0.0012% | 6,249 |
| Return on assets (ROA) | 0.1208% | 6,084 |
| Pretax return on assets | 0.4400% | 5,272 |
| Return on Equity (ROE) | 0.7669% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.7669% | 5,356 |
| Net charge-offs to loans | 0.0042% | 5,655 |
| Credit loss provision to net charge-offs | 5,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 260 |
| Efficiency ratio | 87.9448% | 1,903 |
| Assets per employee ($millions) | 5.9132% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 7,485 |
| Loan loss allowance to noncurrent loans | 53.4483% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 5,506 |
| Noncurrent loans to loans | 1.2824% | 4,411 |
| Net loans and leases to total assets | 51.4587% | 6,739 |
| Net loans and leases to deposits | 71.6321% | 5,789 |
| Net loans and leases to core deposits | 100.3073% | 4,510 |
| Total domestic deposits to total assets | 71.8376% | 7,235 |
| Equity capital to assets | 15.2170% | 1,041 |
| Core capital (leverage) ratio | 15.4259% | 880 |
| Tier 1 risk-based capital ratio | 28.5457% | 716 |
| Total risk-based capital ratio | 29.2080% | 737 |
| Memoranda: | ||
| Average total assets | $175,466,000 | 3,568 |
| Average earning assets | $162,957,500 | 3,527 |
| Average equity | $27,645,000 | 2,444 |
| Average total loans | $94,275,500 | 4,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 6,242 |
| Cost of funding earning assets | 2.7529% | 2,911 |
| Net interest margin | 3.1060% | 6,638 |
| Noninterest income to average assets | 0.4460% | 5,071 |
| Noninterest expense to average assets | 2.1845% | 7,004 |
| Loan and lease loss provision to assets | 0.0279% | 7,053 |
| Net operating income to assets | 1.1495% | 1,944 |
| Return on assets (ROA) | 0.2363% | 5,561 |
| Pretax return on assets | 0.1988% | 5,731 |
| Return on Equity (ROE) | 1.3897% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.3897% | 4,386 |
| Net charge-offs to loans | 0.0215% | 6,548 |
| Credit loss provision to net charge-offs | 242.1053% | 1,930 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 434 |
| Efficiency ratio | 65.7127% | 5,188 |
| Assets per employee ($millions) | 5.4072% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6380% | 7,585 |
| Loan loss allowance to noncurrent loans | 45.9231% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 4,852 |
| Noncurrent loans to loans | 1.3893% | 3,738 |
| Net loans and leases to total assets | 55.4664% | 6,487 |
| Net loans and leases to deposits | 73.3866% | 5,905 |
| Net loans and leases to core deposits | 101.9753% | 4,616 |
| Total domestic deposits to total assets | 75.5811% | 6,327 |
| Equity capital to assets | 16.3437% | 876 |
| Core capital (leverage) ratio | 16.6518% | 738 |
| Tier 1 risk-based capital ratio | 28.4981% | 734 |
| Total risk-based capital ratio | 29.1061% | 753 |
| Memoranda: | ||
| Average total assets | $165,026,600 | 3,630 |
| Average earning assets | $152,930,200 | 3,599 |
| Average equity | $28,062,800 | 2,407 |
| Average total loans | $88,198,000 | 4,284 |