Home > Slovenian Savings and Loan Association of Canonsburg > Performance and Condition Ratios
Slovenian Savings and Loan Association of Canonsburg, 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 | 4.6325% | 2,824 |
| Cost of funding earning assets | 2.1773% | 672 |
| Net interest margin | 2.4552% | 4,136 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 0.9231% | 4,505 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0875% | 1,955 |
| Return on assets (ROA) | 1.0901% | 1,920 |
| Pretax return on assets | 1.4962% | 1,429 |
| Return on Equity (ROE) | 7.1400% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.1418% | 1,854 |
| Net charge-offs to loans | 0.0148% | 2,107 |
| Credit loss provision to net charge-offs | 423.5294% | 757 |
| Earnings coverage of net charge-offs (x) | 258.7353% | 483 |
| Efficiency ratio | 37.8172% | 4,401 |
| Assets per employee ($millions) | 30.8845% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,175 |
| Loan loss allowance to noncurrent loans | 63.3707% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 816 |
| Noncurrent loans to loans | 1.6218% | 399 |
| Net loans and leases to total assets | 39.8600% | 4,044 |
| Net loans and leases to deposits | 47.4867% | 4,008 |
| Net loans and leases to core deposits | 69.0539% | 3,354 |
| Total domestic deposits to total assets | 83.9400% | 2,640 |
| Equity capital to assets | 15.5382% | 505 |
| Core capital (leverage) ratio | 15.6637% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $579,587,600 | 1,526 |
| Average earning assets | $572,327,400 | 1,433 |
| Average equity | $88,465,200 | 1,047 |
| Average total loans | $229,112,000 | 2,108 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 2,643 |
| Cost of funding earning assets | 2.0467% | 654 |
| Net interest margin | 2.5684% | 4,067 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 0.7807% | 4,544 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.1751% | 1,867 |
| Return on assets (ROA) | 1.1771% | 1,840 |
| Pretax return on assets | 1.7886% | 1,027 |
| Return on Equity (ROE) | 7.7500% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.7474% | 2,054 |
| Net charge-offs to loans | 0.0205% | 1,709 |
| Credit loss provision to net charge-offs | 705.7143% | 505 |
| Earnings coverage of net charge-offs (x) | 219.7714% | 556 |
| Efficiency ratio | 30.5463% | 4,513 |
| Assets per employee ($millions) | 32.0312% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 3,889 |
| Loan loss allowance to noncurrent loans | 39.0634% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 608 |
| Noncurrent loans to loans | 2.1610% | 259 |
| Net loans and leases to total assets | 40.2800% | 4,046 |
| Net loans and leases to deposits | 47.9300% | 4,009 |
| Net loans and leases to core deposits | 69.2117% | 3,251 |
| Total domestic deposits to total assets | 84.0300% | 2,764 |
| Equity capital to assets | 15.5947% | 482 |
| Core capital (leverage) ratio | 15.5767% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $577,783,000 | 1,532 |
| Average earning assets | $570,661,750 | 1,439 |
| Average equity | $87,786,750 | 1,049 |
| Average total loans | $227,305,000 | 2,117 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 2,426 |
| Cost of funding earning assets | 1.8874% | 629 |
| Net interest margin | 2.7060% | 3,961 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 0.7679% | 4,577 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.2582% | 1,672 |
| Return on assets (ROA) | 1.2588% | 1,661 |
| Pretax return on assets | 1.9215% | 831 |
| Return on Equity (ROE) | 8.3600% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.3580% | 1,856 |
| Net charge-offs to loans | 0.0311% | 1,265 |
| Credit loss provision to net charge-offs | 157.1429% | 1,170 |
| Earnings coverage of net charge-offs (x) | 157.9143% | 728 |
| Efficiency ratio | 28.6563% | 4,552 |
| Assets per employee ($millions) | 32.2881% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 4,066 |
| Loan loss allowance to noncurrent loans | 28.1635% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0905% | 400 |
| Noncurrent loans to loans | 2.7508% | 164 |
| Net loans and leases to total assets | 39.3400% | 4,064 |
| Net loans and leases to deposits | 46.5125% | 4,028 |
| Net loans and leases to core deposits | 67.2546% | 3,271 |
| Total domestic deposits to total assets | 84.5700% | 2,669 |
| Equity capital to assets | 15.2273% | 501 |
| Core capital (leverage) ratio | 15.2987% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $578,190,333 | 1,534 |
| Average earning assets | $570,950,667 | 1,438 |
| Average equity | $87,078,000 | 1,049 |
| Average total loans | $225,009,333 | 2,124 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 2,116 |
| Cost of funding earning assets | 1.7337% | 521 |
| Net interest margin | 2.8534% | 3,860 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 0.7796% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3391% | 1,569 |
| Return on assets (ROA) | 1.3407% | 1,538 |
| Pretax return on assets | 2.0468% | 714 |
| Return on Equity (ROE) | 8.9500% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.9524% | 1,966 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 27.6031% | 4,619 |
| Assets per employee ($millions) | 32.0170% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,114 |
| Loan loss allowance to noncurrent loans | 43.8261% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 692 |
| Noncurrent loans to loans | 1.7881% | 345 |
| Net loans and leases to total assets | 38.7500% | 4,090 |
| Net loans and leases to deposits | 45.7136% | 4,047 |
| Net loans and leases to core deposits | 70.6584% | 2,906 |
| Total domestic deposits to total assets | 84.7700% | 2,915 |
| Equity capital to assets | 15.0602% | 477 |
| Core capital (leverage) ratio | 15.0547% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $576,693,000 | 1,560 |
| Average earning assets | $569,420,000 | 1,466 |
| Average equity | $86,367,500 | 1,069 |
| Average total loans | $222,309,500 | 2,155 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 961 |
| Cost of funding earning assets | 1.4890% | 27 |
| Net interest margin | 2.8648% | 3,760 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 0.9065% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4194% | 1,079 |
| Return on assets (ROA) | 1.4177% | 1,053 |
| Pretax return on assets | 1.9371% | 536 |
| Return on Equity (ROE) | 9.8300% | 2,861 |
| Retained earnings to average equity (ytd only) | 9.8306% | 1,212 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 31.8557% | 4,641 |
| Assets per employee ($millions) | 30.3726% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 3,778 |
| Loan loss allowance to noncurrent loans | 43.3921% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 581 |
| Noncurrent loans to loans | 2.0681% | 265 |
| Net loans and leases to total assets | 37.7000% | 4,155 |
| Net loans and leases to deposits | 44.3320% | 4,102 |
| Net loans and leases to core deposits | 64.2984% | 3,245 |
| Total domestic deposits to total assets | 85.0400% | 2,985 |
| Equity capital to assets | 14.8926% | 479 |
| Core capital (leverage) ratio | 14.8394% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $566,771,600 | 1,569 |
| Average earning assets | $559,978,400 | 1,475 |
| Average equity | $81,734,400 | 1,108 |
| Average total loans | $206,347,200 | 2,184 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 765 |
| Cost of funding earning assets | 1.4684% | 8 |
| Net interest margin | 2.8131% | 3,708 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 0.7487% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3398% | 1,239 |
| Return on assets (ROA) | 1.3411% | 1,213 |
| Pretax return on assets | 2.0501% | 420 |
| Return on Equity (ROE) | 9.3800% | 2,914 |
| Retained earnings to average equity (ytd only) | 9.3781% | 1,527 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 26.7658% | 4,704 |
| Assets per employee ($millions) | 30.5651% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 3,788 |
| Loan loss allowance to noncurrent loans | 82.2547% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 1,316 |
| Noncurrent loans to loans | 1.1233% | 660 |
| Net loans and leases to total assets | 36.3800% | 4,211 |
| Net loans and leases to deposits | 42.5817% | 4,163 |
| Net loans and leases to core deposits | 61.7653% | 3,252 |
| Total domestic deposits to total assets | 85.4300% | 3,194 |
| Equity capital to assets | 14.3924% | 520 |
| Core capital (leverage) ratio | 14.4979% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $564,194,500 | 1,581 |
| Average earning assets | $557,606,750 | 1,493 |
| Average equity | $80,682,500 | 1,134 |
| Average total loans | $203,052,750 | 2,207 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 592 |
| Cost of funding earning assets | 1.4638% | 5 |
| Net interest margin | 2.7670% | 3,532 |
| Noninterest income to average assets | 0.0383% | 4,666 |
| Noninterest expense to average assets | 0.7532% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3234% | 1,083 |
| Return on assets (ROA) | 1.3163% | 1,076 |
| Pretax return on assets | 2.0101% | 371 |
| Return on Equity (ROE) | 9.2244% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.2244% | 1,222 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.1694% | 4,730 |
| Assets per employee ($millions) | 30.0934% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,760 |
| Loan loss allowance to noncurrent loans | 64.6538% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 1,063 |
| Noncurrent loans to loans | 1.4865% | 497 |
| Net loans and leases to total assets | 35.5052% | 4,270 |
| Net loans and leases to deposits | 41.4683% | 4,208 |
| Net loans and leases to core deposits | 59.6802% | 3,294 |
| Total domestic deposits to total assets | 85.6202% | 3,346 |
| Equity capital to assets | 14.2689% | 486 |
| Core capital (leverage) ratio | 14.4312% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,687,333 | 1,598 |
| Average earning assets | $552,004,333 | 1,515 |
| Average equity | $79,723,000 | 1,165 |
| Average total loans | $199,665,000 | 2,238 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 500 |
| Cost of funding earning assets | 1.4755% | 4 |
| Net interest margin | 2.7412% | 3,307 |
| Noninterest income to average assets | 0.0014% | 4,753 |
| Noninterest expense to average assets | 0.7578% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2777% | 1,050 |
| Return on assets (ROA) | 1.2794% | 1,043 |
| Pretax return on assets | 1.9538% | 399 |
| Return on Equity (ROE) | 8.9654% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.9654% | 1,279 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9679% | 4,751 |
| Assets per employee ($millions) | 31.1096% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,756 |
| Loan loss allowance to noncurrent loans | 91.4578% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 1,572 |
| Noncurrent loans to loans | 1.0873% | 823 |
| Net loans and leases to total assets | 35.0271% | 4,264 |
| Net loans and leases to deposits | 40.9128% | 4,213 |
| Net loans and leases to core deposits | 58.6440% | 3,266 |
| Total domestic deposits to total assets | 85.6141% | 3,377 |
| Equity capital to assets | 14.2284% | 490 |
| Core capital (leverage) ratio | 14.3936% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,143,500 | 1,623 |
| Average earning assets | $545,458,500 | 1,545 |
| Average equity | $78,791,500 | 1,215 |
| Average total loans | $197,007,500 | 2,247 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 844 |
| Cost of funding earning assets | 1.6276% | 5 |
| Net interest margin | 2.6765% | 3,918 |
| Noninterest income to average assets | -0.0206% | 4,827 |
| Noninterest expense to average assets | 0.8957% | 4,774 |
| Loan and lease loss provision to assets | 0.0275% | 2,505 |
| Net operating income to assets | 1.2605% | 1,715 |
| Return on assets (ROA) | 1.2606% | 1,767 |
| Pretax return on assets | 1.6981% | 1,149 |
| Return on Equity (ROE) | 8.8047% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.8047% | 1,254 |
| Net charge-offs to loans | 0.0379% | 1,496 |
| Credit loss provision to net charge-offs | 195.8904% | 1,318 |
| Earnings coverage of net charge-offs (x) | 123.0137% | 766 |
| Efficiency ratio | 34.1739% | 4,767 |
| Assets per employee ($millions) | 30.2397% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,724 |
| Loan loss allowance to noncurrent loans | 62.7588% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 1,145 |
| Noncurrent loans to loans | 1.6023% | 544 |
| Net loans and leases to total assets | 35.6288% | 4,304 |
| Net loans and leases to deposits | 41.6070% | 4,287 |
| Net loans and leases to core deposits | 59.0811% | 3,386 |
| Total domestic deposits to total assets | 85.6318% | 3,044 |
| Equity capital to assets | 14.3130% | 610 |
| Core capital (leverage) ratio | 14.4535% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $520,463,200 | 1,649 |
| Average earning assets | $513,702,400 | 1,563 |
| Average equity | $74,517,400 | 1,281 |
| Average total loans | $192,732,000 | 2,287 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 909 |
| Cost of funding earning assets | 1.6513% | 5 |
| Net interest margin | 2.6782% | 4,016 |
| Noninterest income to average assets | -0.0210% | 4,894 |
| Noninterest expense to average assets | 0.7342% | 4,883 |
| Loan and lease loss provision to assets | 0.0111% | 2,768 |
| Net operating income to assets | 1.2310% | 2,058 |
| Return on assets (ROA) | 1.2224% | 2,149 |
| Pretax return on assets | 1.8661% | 1,008 |
| Return on Equity (ROE) | 8.5370% | 3,248 |
| Retained earnings to average equity (ytd only) | 8.5370% | 1,864 |
| Net charge-offs to loans | 0.0500% | 1,168 |
| Credit loss provision to net charge-offs | 59.7222% | 1,806 |
| Earnings coverage of net charge-offs (x) | 101.1944% | 867 |
| Efficiency ratio | 27.9968% | 4,870 |
| Assets per employee ($millions) | 29.5680% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,943 |
| Loan loss allowance to noncurrent loans | 39.4681% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 753 |
| Noncurrent loans to loans | 2.4542% | 309 |
| Net loans and leases to total assets | 35.9217% | 4,398 |
| Net loans and leases to deposits | 41.9930% | 4,379 |
| Net loans and leases to core deposits | 59.9073% | 3,475 |
| Total domestic deposits to total assets | 85.5422% | 2,929 |
| Equity capital to assets | 14.2917% | 675 |
| Core capital (leverage) ratio | 14.4043% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,500,250 | 1,683 |
| Average earning assets | $507,787,000 | 1,592 |
| Average equity | $73,669,750 | 1,310 |
| Average total loans | $191,939,250 | 2,330 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 944 |
| Cost of funding earning assets | 1.6745% | 6 |
| Net interest margin | 2.6603% | 4,059 |
| Noninterest income to average assets | -0.0185% | 4,933 |
| Noninterest expense to average assets | 0.7420% | 4,915 |
| Loan and lease loss provision to assets | 0.0169% | 2,615 |
| Net operating income to assets | 1.2120% | 2,144 |
| Return on assets (ROA) | 1.1990% | 2,265 |
| Pretax return on assets | 1.8305% | 1,165 |
| Return on Equity (ROE) | 8.3681% | 3,291 |
| Retained earnings to average equity (ytd only) | 8.3681% | 1,956 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4744% | 4,903 |
| Assets per employee ($millions) | 29.0784% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,781 |
| Loan loss allowance to noncurrent loans | 31.0185% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 574 |
| Noncurrent loans to loans | 3.2604% | 208 |
| Net loans and leases to total assets | 36.3345% | 4,451 |
| Net loans and leases to deposits | 42.4387% | 4,448 |
| Net loans and leases to core deposits | 60.5205% | 3,581 |
| Total domestic deposits to total assets | 85.6165% | 2,870 |
| Equity capital to assets | 14.2139% | 675 |
| Core capital (leverage) ratio | 14.3458% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,592,333 | 1,682 |
| Average earning assets | $501,755,333 | 1,602 |
| Average equity | $72,871,667 | 1,318 |
| Average total loans | $191,567,667 | 2,337 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 927 |
| Cost of funding earning assets | 1.6941% | 10 |
| Net interest margin | 2.6961% | 3,976 |
| Noninterest income to average assets | 0.0064% | 4,927 |
| Noninterest expense to average assets | 0.7558% | 4,946 |
| Loan and lease loss provision to assets | 0.0263% | 2,437 |
| Net operating income to assets | 1.2259% | 2,054 |
| Return on assets (ROA) | 1.2139% | 2,178 |
| Pretax return on assets | 1.8676% | 1,160 |
| Return on Equity (ROE) | 8.4372% | 3,203 |
| Retained earnings to average equity (ytd only) | 8.4372% | 2,113 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3618% | 4,922 |
| Assets per employee ($millions) | 30.2148% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,800 |
| Loan loss allowance to noncurrent loans | 42.4742% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0137% | 810 |
| Noncurrent loans to loans | 2.3784% | 401 |
| Net loans and leases to total assets | 36.8765% | 4,464 |
| Net loans and leases to deposits | 43.0388% | 4,461 |
| Net loans and leases to core deposits | 61.3500% | 3,620 |
| Total domestic deposits to total assets | 85.6821% | 2,862 |
| Equity capital to assets | 14.1866% | 631 |
| Core capital (leverage) ratio | 14.6010% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,183,000 | 1,691 |
| Average earning assets | $494,199,000 | 1,608 |
| Average equity | $72,109,000 | 1,317 |
| Average total loans | $191,290,500 | 2,344 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 1,360 |
| Cost of funding earning assets | 1.9040% | 13 |
| Net interest margin | 2.5776% | 4,524 |
| Noninterest income to average assets | -0.0024% | 4,972 |
| Noninterest expense to average assets | 0.8587% | 4,951 |
| Loan and lease loss provision to assets | 0.0860% | 3,292 |
| Net operating income to assets | 1.2029% | 1,548 |
| Return on assets (ROA) | 1.1951% | 1,675 |
| Pretax return on assets | 1.5875% | 1,103 |
| Return on Equity (ROE) | 8.1341% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.1341% | 1,014 |
| Net charge-offs to loans | 0.1014% | 1,461 |
| Credit loss provision to net charge-offs | 208.3333% | 2,120 |
| Earnings coverage of net charge-offs (x) | 40.7813% | 1,374 |
| Efficiency ratio | 33.7788% | 4,943 |
| Assets per employee ($millions) | 28.7479% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,892 |
| Loan loss allowance to noncurrent loans | 67.0667% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 1,655 |
| Noncurrent loans to loans | 1.4815% | 901 |
| Net loans and leases to total assets | 38.7407% | 4,489 |
| Net loans and leases to deposits | 45.3862% | 4,485 |
| Net loans and leases to core deposits | 63.8549% | 3,702 |
| Total domestic deposits to total assets | 85.3577% | 2,630 |
| Equity capital to assets | 14.5991% | 655 |
| Core capital (leverage) ratio | 14.7834% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,137,000 | 1,648 |
| Average earning assets | $459,147,400 | 1,566 |
| Average equity | $68,342,200 | 1,315 |
| Average total loans | $189,415,000 | 2,332 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,639 |
| Cost of funding earning assets | 1.9335% | 20 |
| Net interest margin | 2.5412% | 4,622 |
| Noninterest income to average assets | -0.0491% | 5,010 |
| Noninterest expense to average assets | 0.7940% | 4,993 |
| Loan and lease loss provision to assets | 0.0682% | 3,476 |
| Net operating income to assets | 1.0441% | 2,174 |
| Return on assets (ROA) | 1.0609% | 2,240 |
| Pretax return on assets | 1.6194% | 1,132 |
| Return on Equity (ROE) | 7.2079% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.2079% | 1,612 |
| Net charge-offs to loans | 0.1362% | 1,061 |
| Credit loss provision to net charge-offs | 121.7617% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.7409% | 1,590 |
| Efficiency ratio | 32.2714% | 4,983 |
| Assets per employee ($millions) | 28.0804% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 4,016 |
| Loan loss allowance to noncurrent loans | 36.6885% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 1,060 |
| Noncurrent loans to loans | 2.5018% | 421 |
| Net loans and leases to total assets | 39.2342% | 4,586 |
| Net loans and leases to deposits | 46.0057% | 4,606 |
| Net loans and leases to core deposits | 64.7014% | 3,971 |
| Total domestic deposits to total assets | 85.2811% | 2,325 |
| Equity capital to assets | 14.5467% | 718 |
| Core capital (leverage) ratio | 14.7148% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,242,750 | 1,651 |
| Average earning assets | $453,528,000 | 1,563 |
| Average equity | $67,590,750 | 1,319 |
| Average total loans | $188,961,000 | 2,333 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,866 |
| Cost of funding earning assets | 1.9581% | 25 |
| Net interest margin | 2.5593% | 4,692 |
| Noninterest income to average assets | -0.0666% | 5,038 |
| Noninterest expense to average assets | 0.7921% | 5,031 |
| Loan and lease loss provision to assets | 0.0728% | 3,388 |
| Net operating income to assets | 1.0316% | 2,214 |
| Return on assets (ROA) | 1.0507% | 2,278 |
| Pretax return on assets | 1.6196% | 1,182 |
| Return on Equity (ROE) | 7.1102% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.1102% | 1,617 |
| Net charge-offs to loans | 0.0561% | 1,696 |
| Credit loss provision to net charge-offs | 311.3208% | 1,591 |
| Earnings coverage of net charge-offs (x) | 71.3208% | 875 |
| Efficiency ratio | 32.1973% | 5,005 |
| Assets per employee ($millions) | 27.5594% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 3,714 |
| Loan loss allowance to noncurrent loans | 45.4752% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,468 |
| Noncurrent loans to loans | 2.1308% | 602 |
| Net loans and leases to total assets | 39.3518% | 4,633 |
| Net loans and leases to deposits | 46.1667% | 4,651 |
| Net loans and leases to core deposits | 64.9026% | 4,027 |
| Total domestic deposits to total assets | 85.2385% | 2,288 |
| Equity capital to assets | 14.5502% | 727 |
| Core capital (leverage) ratio | 14.7786% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,201,333 | 1,649 |
| Average earning assets | $447,468,333 | 1,549 |
| Average equity | $66,974,000 | 1,317 |
| Average total loans | $188,939,333 | 2,316 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,975 |
| Cost of funding earning assets | 1.9797% | 36 |
| Net interest margin | 2.6290% | 4,734 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 1.0019% | 5,060 |
| Loan and lease loss provision to assets | 0.0673% | 2,917 |
| Net operating income to assets | 0.9787% | 2,251 |
| Return on assets (ROA) | 1.0567% | 2,083 |
| Pretax return on assets | 1.6250% | 1,003 |
| Return on Equity (ROE) | 7.0929% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.0929% | 1,504 |
| Net charge-offs to loans | 0.1135% | 1,022 |
| Credit loss provision to net charge-offs | 138.8889% | 1,625 |
| Earnings coverage of net charge-offs (x) | 32.8704% | 1,121 |
| Efficiency ratio | 38.6026% | 5,003 |
| Assets per employee ($millions) | 26.6482% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,095 |
| Loan loss allowance to noncurrent loans | 38.9318% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 1,268 |
| Noncurrent loans to loans | 2.3189% | 541 |
| Net loans and leases to total assets | 41.5069% | 4,609 |
| Net loans and leases to deposits | 48.7764% | 4,635 |
| Net loans and leases to core deposits | 68.5965% | 3,956 |
| Total domestic deposits to total assets | 85.0962% | 2,377 |
| Equity capital to assets | 14.7819% | 812 |
| Core capital (leverage) ratio | 15.0165% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $445,547,000 | 1,627 |
| Average earning assets | $439,869,500 | 1,521 |
| Average equity | $66,376,500 | 1,323 |
| Average total loans | $190,323,500 | 2,261 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 2,730 |
| Cost of funding earning assets | 1.9159% | 86 |
| Net interest margin | 2.6492% | 4,867 |
| Noninterest income to average assets | -0.0386% | 5,153 |
| Noninterest expense to average assets | 0.9767% | 5,124 |
| Loan and lease loss provision to assets | 0.0126% | 3,760 |
| Net operating income to assets | 1.2421% | 1,895 |
| Return on assets (ROA) | 1.2600% | 1,920 |
| Pretax return on assets | 1.6117% | 1,451 |
| Return on Equity (ROE) | 8.3990% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.3990% | 858 |
| Net charge-offs to loans | 0.0864% | 1,885 |
| Credit loss provision to net charge-offs | 32.9193% | 3,254 |
| Earnings coverage of net charge-offs (x) | 41.7516% | 1,277 |
| Efficiency ratio | 37.8800% | 5,091 |
| Assets per employee ($millions) | 25.7691% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,021 |
| Loan loss allowance to noncurrent loans | 28.7804% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3420% | 805 |
| Noncurrent loans to loans | 3.0796% | 301 |
| Net loans and leases to total assets | 43.1908% | 4,634 |
| Net loans and leases to deposits | 50.8656% | 4,655 |
| Net loans and leases to core deposits | 71.1726% | 3,903 |
| Total domestic deposits to total assets | 84.9115% | 2,527 |
| Equity capital to assets | 15.0175% | 788 |
| Core capital (leverage) ratio | 15.1982% | 648 |
| Tier 1 risk-based capital ratio | 21.1879% | 1,133 |
| Total risk-based capital ratio | 21.7328% | 1,225 |
| Memoranda: | ||
| Average total assets | $419,682,200 | 1,668 |
| Average earning assets | $414,573,000 | 1,570 |
| Average equity | $62,959,800 | 1,333 |
| Average total loans | $186,272,200 | 2,265 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,797 |
| Cost of funding earning assets | 1.8879% | 104 |
| Net interest margin | 2.6912% | 4,945 |
| Noninterest income to average assets | -0.0543% | 5,229 |
| Noninterest expense to average assets | 0.9167% | 5,212 |
| Loan and lease loss provision to assets | 0.0010% | 3,826 |
| Net operating income to assets | 1.0967% | 2,581 |
| Return on assets (ROA) | 1.1275% | 2,554 |
| Pretax return on assets | 1.7259% | 1,260 |
| Return on Equity (ROE) | 7.5175% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.5175% | 1,612 |
| Net charge-offs to loans | 0.0965% | 1,507 |
| Credit loss provision to net charge-offs | 2.2388% | 3,023 |
| Earnings coverage of net charge-offs (x) | 39.2169% | 1,389 |
| Efficiency ratio | 35.1955% | 5,185 |
| Assets per employee ($millions) | 25.3546% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 4,117 |
| Loan loss allowance to noncurrent loans | 26.9716% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 795 |
| Noncurrent loans to loans | 3.2731% | 265 |
| Net loans and leases to total assets | 43.4751% | 4,711 |
| Net loans and leases to deposits | 51.4730% | 4,729 |
| Net loans and leases to core deposits | 72.2515% | 3,934 |
| Total domestic deposits to total assets | 84.4620% | 2,645 |
| Equity capital to assets | 14.8505% | 886 |
| Core capital (leverage) ratio | 15.0629% | 726 |
| Tier 1 risk-based capital ratio | 23.7725% | 867 |
| Total risk-based capital ratio | 24.3923% | 914 |
| Memoranda: | ||
| Average total assets | $415,084,000 | 1,700 |
| Average earning assets | $410,112,250 | 1,591 |
| Average equity | $62,252,750 | 1,346 |
| Average total loans | $185,115,250 | 2,293 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 2,766 |
| Cost of funding earning assets | 1.8520% | 101 |
| Net interest margin | 2.7197% | 4,990 |
| Noninterest income to average assets | -0.0469% | 5,277 |
| Noninterest expense to average assets | 0.9454% | 5,257 |
| Loan and lease loss provision to assets | 0.0015% | 3,670 |
| Net operating income to assets | 1.1042% | 2,508 |
| Return on assets (ROA) | 1.1436% | 2,430 |
| Pretax return on assets | 1.7424% | 1,183 |
| Return on Equity (ROE) | 7.5989% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.5989% | 1,559 |
| Net charge-offs to loans | 0.1045% | 1,345 |
| Credit loss provision to net charge-offs | 3.1250% | 2,716 |
| Earnings coverage of net charge-offs (x) | 36.1563% | 1,309 |
| Efficiency ratio | 35.8173% | 5,224 |
| Assets per employee ($millions) | 23.1780% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,009 |
| Loan loss allowance to noncurrent loans | 36.1806% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 1,037 |
| Noncurrent loans to loans | 2.5419% | 462 |
| Net loans and leases to total assets | 44.0792% | 4,723 |
| Net loans and leases to deposits | 51.9723% | 4,740 |
| Net loans and leases to core deposits | 72.9059% | 3,952 |
| Total domestic deposits to total assets | 84.8127% | 2,560 |
| Equity capital to assets | 15.0629% | 792 |
| Core capital (leverage) ratio | 15.2203% | 664 |
| Tier 1 risk-based capital ratio | 24.7719% | 772 |
| Total risk-based capital ratio | 25.4447% | 811 |
| Memoranda: | ||
| Average total assets | $409,769,330 | 1,723 |
| Average earning assets | $404,746,330 | 1,613 |
| Average equity | $61,667,000 | 1,343 |
| Average total loans | $183,800,670 | 2,310 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,998 |
| Cost of funding earning assets | 1.8074% | 100 |
| Net interest margin | 2.6552% | 5,097 |
| Noninterest income to average assets | 0.0069% | 5,300 |
| Noninterest expense to average assets | 0.9733% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0732% | 2,571 |
| Return on assets (ROA) | 1.1417% | 2,354 |
| Pretax return on assets | 1.7426% | 1,107 |
| Return on Equity (ROE) | 7.5902% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.5902% | 1,806 |
| Net charge-offs to loans | 0.0678% | 1,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 54.2258% | 978 |
| Efficiency ratio | 37.0176% | 5,257 |
| Assets per employee ($millions) | 22.7651% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 3,925 |
| Loan loss allowance to noncurrent loans | 55.1090% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 1,706 |
| Noncurrent loans to loans | 1.7438% | 885 |
| Net loans and leases to total assets | 44.4901% | 4,725 |
| Net loans and leases to deposits | 52.4701% | 4,733 |
| Net loans and leases to core deposits | 72.8780% | 3,878 |
| Total domestic deposits to total assets | 84.7913% | 2,756 |
| Equity capital to assets | 15.0469% | 746 |
| Core capital (leverage) ratio | 15.2242% | 650 |
| Tier 1 risk-based capital ratio | 25.4734% | 729 |
| Total risk-based capital ratio | 26.2042% | 748 |
| Memoranda: | ||
| Average total assets | $406,052,000 | 1,750 |
| Average earning assets | $401,025,000 | 1,630 |
| Average equity | $61,079,000 | 1,350 |
| Average total loans | $182,897,500 | 2,336 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 2,765 |
| Cost of funding earning assets | 1.6881% | 45 |
| Net interest margin | 2.7105% | 5,090 |
| Noninterest income to average assets | -0.0026% | 5,360 |
| Noninterest expense to average assets | 1.0427% | 5,347 |
| Loan and lease loss provision to assets | 0.0385% | 3,430 |
| Net operating income to assets | 1.2475% | 1,985 |
| Return on assets (ROA) | 1.2477% | 1,982 |
| Pretax return on assets | 1.5936% | 1,489 |
| Return on Equity (ROE) | 8.4356% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.4356% | 1,071 |
| Net charge-offs to loans | 0.0538% | 2,379 |
| Credit loss provision to net charge-offs | 160.6383% | 1,729 |
| Earnings coverage of net charge-offs (x) | 68.0638% | 950 |
| Efficiency ratio | 38.9853% | 5,294 |
| Assets per employee ($millions) | 22.3518% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,755 |
| Loan loss allowance to noncurrent loans | 32.3107% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 855 |
| Noncurrent loans to loans | 3.0674% | 323 |
| Net loans and leases to total assets | 44.7185% | 4,793 |
| Net loans and leases to deposits | 52.6717% | 4,800 |
| Net loans and leases to core deposits | 72.6676% | 3,946 |
| Total domestic deposits to total assets | 84.9005% | 2,686 |
| Equity capital to assets | 15.0373% | 702 |
| Core capital (leverage) ratio | 15.1875% | 652 |
| Tier 1 risk-based capital ratio | 25.4556% | 713 |
| Total risk-based capital ratio | 26.2139% | 732 |
| Memoranda: | ||
| Average total assets | $392,076,800 | 1,756 |
| Average earning assets | $387,231,600 | 1,635 |
| Average equity | $57,992,400 | 1,357 |
| Average total loans | $174,704,800 | 2,385 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 2,644 |
| Cost of funding earning assets | 1.6717% | 35 |
| Net interest margin | 2.7224% | 5,153 |
| Noninterest income to average assets | 0.0075% | 5,414 |
| Noninterest expense to average assets | 0.9338% | 5,433 |
| Loan and lease loss provision to assets | 0.0164% | 3,686 |
| Net operating income to assets | 1.1418% | 2,482 |
| Return on assets (ROA) | 1.1566% | 2,423 |
| Pretax return on assets | 1.7652% | 1,101 |
| Return on Equity (ROE) | 7.8535% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.8535% | 1,724 |
| Net charge-offs to loans | 0.0609% | 1,951 |
| Credit loss provision to net charge-offs | 60.7595% | 2,740 |
| Earnings coverage of net charge-offs (x) | 65.1904% | 1,000 |
| Efficiency ratio | 34.6281% | 5,402 |
| Assets per employee ($millions) | 21.8964% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,973 |
| Loan loss allowance to noncurrent loans | 23.5553% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.8806% | 597 |
| Noncurrent loans to loans | 4.0997% | 196 |
| Net loans and leases to total assets | 44.5459% | 4,864 |
| Net loans and leases to deposits | 52.5512% | 4,869 |
| Net loans and leases to core deposits | 72.2568% | 4,065 |
| Total domestic deposits to total assets | 84.7666% | 2,696 |
| Equity capital to assets | 14.9807% | 726 |
| Core capital (leverage) ratio | 15.0478% | 691 |
| Tier 1 risk-based capital ratio | 25.4418% | 714 |
| Total risk-based capital ratio | 26.1805% | 739 |
| Memoranda: | ||
| Average total assets | $389,513,000 | 1,768 |
| Average earning assets | $384,746,250 | 1,657 |
| Average equity | $57,365,500 | 1,374 |
| Average total loans | $172,951,500 | 2,419 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 2,474 |
| Cost of funding earning assets | 1.6270% | 31 |
| Net interest margin | 2.7576% | 5,169 |
| Noninterest income to average assets | 0.0129% | 5,468 |
| Noninterest expense to average assets | 0.9217% | 5,500 |
| Loan and lease loss provision to assets | 0.0247% | 3,422 |
| Net operating income to assets | 1.1706% | 2,312 |
| Return on assets (ROA) | 1.1702% | 2,312 |
| Pretax return on assets | 1.7893% | 987 |
| Return on Equity (ROE) | 7.9921% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.9921% | 1,639 |
| Net charge-offs to loans | 0.0630% | 1,716 |
| Credit loss provision to net charge-offs | 88.8889% | 2,168 |
| Earnings coverage of net charge-offs (x) | 65.1852% | 950 |
| Efficiency ratio | 33.6850% | 5,468 |
| Assets per employee ($millions) | 21.7246% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,885 |
| Loan loss allowance to noncurrent loans | 24.2801% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8371% | 624 |
| Noncurrent loans to loans | 4.0928% | 210 |
| Net loans and leases to total assets | 44.2551% | 4,889 |
| Net loans and leases to deposits | 52.0479% | 4,912 |
| Net loans and leases to core deposits | 70.6654% | 4,110 |
| Total domestic deposits to total assets | 85.0277% | 2,660 |
| Equity capital to assets | 14.8155% | 725 |
| Core capital (leverage) ratio | 14.8416% | 706 |
| Tier 1 risk-based capital ratio | 24.9905% | 733 |
| Total risk-based capital ratio | 25.7407% | 767 |
| Memoranda: | ||
| Average total assets | $387,972,330 | 1,779 |
| Average earning assets | $383,162,330 | 1,673 |
| Average equity | $56,806,000 | 1,383 |
| Average total loans | $171,507,670 | 2,440 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,270 |
| Cost of funding earning assets | 1.6154% | 22 |
| Net interest margin | 2.7633% | 5,195 |
| Noninterest income to average assets | 0.0176% | 5,537 |
| Noninterest expense to average assets | 0.9098% | 5,570 |
| Loan and lease loss provision to assets | 0.0104% | 3,388 |
| Net operating income to assets | 1.1937% | 2,032 |
| Return on assets (ROA) | 1.1945% | 2,043 |
| Pretax return on assets | 1.8269% | 862 |
| Return on Equity (ROE) | 8.2075% | 3,291 |
| Retained earnings to average equity (ytd only) | 8.2075% | 1,765 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1323% | 5,544 |
| Assets per employee ($millions) | 21.5808% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,804 |
| Loan loss allowance to noncurrent loans | 30.7544% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 937 |
| Noncurrent loans to loans | 3.3373% | 324 |
| Net loans and leases to total assets | 43.5169% | 4,918 |
| Net loans and leases to deposits | 51.0443% | 4,922 |
| Net loans and leases to core deposits | 68.6032% | 4,184 |
| Total domestic deposits to total assets | 85.2531% | 2,837 |
| Equity capital to assets | 14.6267% | 748 |
| Core capital (leverage) ratio | 14.7317% | 702 |
| Tier 1 risk-based capital ratio | 25.0971% | 748 |
| Total risk-based capital ratio | 25.8714% | 765 |
| Memoranda: | ||
| Average total assets | $386,437,500 | 1,789 |
| Average earning assets | $381,569,000 | 1,690 |
| Average equity | $56,241,500 | 1,402 |
| Average total loans | $169,865,000 | 2,474 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 2,037 |
| Cost of funding earning assets | 1.6921% | 8 |
| Net interest margin | 2.7030% | 5,276 |
| Noninterest income to average assets | 0.0051% | 5,610 |
| Noninterest expense to average assets | 1.0056% | 5,614 |
| Loan and lease loss provision to assets | 0.0161% | 3,971 |
| Net operating income to assets | 1.0996% | 1,856 |
| Return on assets (ROA) | 1.0996% | 1,879 |
| Pretax return on assets | 1.6508% | 1,153 |
| Return on Equity (ROE) | 7.6815% | 2,963 |
| Retained earnings to average equity (ytd only) | 7.6815% | 863 |
| Net charge-offs to loans | 0.0406% | 2,974 |
| Credit loss provision to net charge-offs | 89.5522% | 2,793 |
| Earnings coverage of net charge-offs (x) | 92.9701% | 679 |
| Efficiency ratio | 37.6289% | 5,563 |
| Assets per employee ($millions) | 21.3567% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,727 |
| Loan loss allowance to noncurrent loans | 41.8890% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 1,375 |
| Noncurrent loans to loans | 2.4631% | 548 |
| Net loans and leases to total assets | 43.4916% | 5,001 |
| Net loans and leases to deposits | 50.8747% | 5,032 |
| Net loans and leases to core deposits | 67.9508% | 4,300 |
| Total domestic deposits to total assets | 85.4878% | 2,658 |
| Equity capital to assets | 14.4802% | 784 |
| Core capital (leverage) ratio | 14.5566% | 713 |
| Tier 1 risk-based capital ratio | 23.8360% | 828 |
| Total risk-based capital ratio | 24.5834% | 864 |
| Memoranda: | ||
| Average total assets | $373,691,800 | 1,819 |
| Average earning assets | $368,772,200 | 1,710 |
| Average equity | $53,492,400 | 1,440 |
| Average total loans | $165,002,200 | 2,481 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 2,010 |
| Cost of funding earning assets | 1.6955% | 7 |
| Net interest margin | 2.6857% | 5,336 |
| Noninterest income to average assets | 0.0043% | 5,676 |
| Noninterest expense to average assets | 0.9354% | 5,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9552% | 2,744 |
| Return on assets (ROA) | 0.9552% | 2,808 |
| Pretax return on assets | 1.7192% | 1,075 |
| Return on Equity (ROE) | 6.6930% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.6930% | 1,846 |
| Net charge-offs to loans | 0.0545% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 71.4039% | 879 |
| Efficiency ratio | 35.2376% | 5,649 |
| Assets per employee ($millions) | 21.1158% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,983 |
| Loan loss allowance to noncurrent loans | 34.3259% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 1,247 |
| Noncurrent loans to loans | 2.9551% | 440 |
| Net loans and leases to total assets | 43.2103% | 5,065 |
| Net loans and leases to deposits | 50.5514% | 5,103 |
| Net loans and leases to core deposits | 67.4406% | 4,386 |
| Total domestic deposits to total assets | 85.4780% | 2,524 |
| Equity capital to assets | 14.2800% | 918 |
| Core capital (leverage) ratio | 14.3448% | 806 |
| Tier 1 risk-based capital ratio | 24.1208% | 838 |
| Total risk-based capital ratio | 24.8706% | 871 |
| Memoranda: | ||
| Average total assets | $371,009,500 | 1,839 |
| Average earning assets | $366,131,750 | 1,739 |
| Average equity | $52,949,250 | 1,466 |
| Average total loans | $164,019,250 | 2,500 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 1,884 |
| Cost of funding earning assets | 1.6814% | 6 |
| Net interest margin | 2.6973% | 5,362 |
| Noninterest income to average assets | 0.0022% | 5,728 |
| Noninterest expense to average assets | 0.9424% | 5,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9549% | 2,634 |
| Return on assets (ROA) | 0.9549% | 2,694 |
| Pretax return on assets | 1.7207% | 1,011 |
| Return on Equity (ROE) | 6.6924% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.6924% | 1,744 |
| Net charge-offs to loans | 0.0820% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.2537% | 1,125 |
| Efficiency ratio | 35.3878% | 5,701 |
| Assets per employee ($millions) | 20.9173% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,999 |
| Loan loss allowance to noncurrent loans | 35.7173% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 1,341 |
| Noncurrent loans to loans | 2.8678% | 465 |
| Net loans and leases to total assets | 43.1922% | 5,089 |
| Net loans and leases to deposits | 50.4115% | 5,123 |
| Net loans and leases to core deposits | 66.2239% | 4,457 |
| Total domestic deposits to total assets | 85.6793% | 2,532 |
| Equity capital to assets | 14.1780% | 908 |
| Core capital (leverage) ratio | 14.3961% | 767 |
| Tier 1 risk-based capital ratio | 23.6631% | 887 |
| Total risk-based capital ratio | 24.4110% | 920 |
| Memoranda: | ||
| Average total assets | $367,984,330 | 1,855 |
| Average earning assets | $363,034,670 | 1,752 |
| Average equity | $52,507,000 | 1,477 |
| Average total loans | $163,386,000 | 2,513 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 1,590 |
| Cost of funding earning assets | 1.6886% | 8 |
| Net interest margin | 2.7303% | 5,349 |
| Noninterest income to average assets | 0.0165% | 5,786 |
| Noninterest expense to average assets | 0.9458% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9788% | 2,399 |
| Return on assets (ROA) | 0.9788% | 2,450 |
| Pretax return on assets | 1.7629% | 877 |
| Return on Equity (ROE) | 6.8370% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.8370% | 1,913 |
| Net charge-offs to loans | 0.0221% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 178.1111% | 316 |
| Efficiency ratio | 34.9168% | 5,767 |
| Assets per employee ($millions) | 20.3625% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,861 |
| Loan loss allowance to noncurrent loans | 34.0505% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 1,140 |
| Noncurrent loans to loans | 3.1539% | 413 |
| Net loans and leases to total assets | 43.7561% | 5,051 |
| Net loans and leases to deposits | 51.1556% | 5,060 |
| Net loans and leases to core deposits | 66.3554% | 4,406 |
| Total domestic deposits to total assets | 85.5352% | 2,872 |
| Equity capital to assets | 14.3275% | 805 |
| Core capital (leverage) ratio | 14.3622% | 750 |
| Tier 1 risk-based capital ratio | 25.0689% | 766 |
| Total risk-based capital ratio | 25.8964% | 786 |
| Memoranda: | ||
| Average total assets | $363,720,500 | 1,883 |
| Average earning assets | $358,641,500 | 1,781 |
| Average equity | $52,069,500 | 1,485 |
| Average total loans | $162,925,500 | 2,538 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 1,806 |
| Cost of funding earning assets | 1.7415% | 6 |
| Net interest margin | 2.6620% | 5,462 |
| Noninterest income to average assets | -0.0116% | 5,873 |
| Noninterest expense to average assets | 1.0213% | 5,853 |
| Loan and lease loss provision to assets | 0.0437% | 3,505 |
| Net operating income to assets | 1.0758% | 2,009 |
| Return on assets (ROA) | 1.0758% | 2,109 |
| Pretax return on assets | 1.5484% | 1,434 |
| Return on Equity (ROE) | 7.7088% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.7088% | 957 |
| Net charge-offs to loans | 0.1039% | 2,233 |
| Credit loss provision to net charge-offs | 91.1765% | 2,773 |
| Earnings coverage of net charge-offs (x) | 33.2118% | 1,345 |
| Efficiency ratio | 39.0807% | 5,794 |
| Assets per employee ($millions) | 21.2304% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,899 |
| Loan loss allowance to noncurrent loans | 51.1546% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 2,006 |
| Noncurrent loans to loans | 2.0894% | 844 |
| Net loans and leases to total assets | 44.8811% | 5,070 |
| Net loans and leases to deposits | 52.3998% | 5,096 |
| Net loans and leases to core deposits | 67.7989% | 4,414 |
| Total domestic deposits to total assets | 85.6512% | 2,755 |
| Equity capital to assets | 14.3039% | 795 |
| Core capital (leverage) ratio | 14.2709% | 742 |
| Tier 1 risk-based capital ratio | 24.3679% | 832 |
| Total risk-based capital ratio | 25.3054% | 839 |
| Memoranda: | ||
| Average total assets | $354,635,400 | 1,885 |
| Average earning assets | $349,706,000 | 1,776 |
| Average equity | $49,489,200 | 1,533 |
| Average total loans | $163,571,000 | 2,482 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 1,898 |
| Cost of funding earning assets | 1.7411% | 6 |
| Net interest margin | 2.6467% | 5,552 |
| Noninterest income to average assets | 0.0019% | 5,918 |
| Noninterest expense to average assets | 0.9399% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9279% | 2,765 |
| Return on assets (ROA) | 0.9279% | 2,888 |
| Pretax return on assets | 1.6722% | 1,192 |
| Return on Equity (ROE) | 6.6917% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.6917% | 1,790 |
| Net charge-offs to loans | 0.0090% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 402.4438% | 224 |
| Efficiency ratio | 35.9838% | 5,889 |
| Assets per employee ($millions) | 21.1122% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,988 |
| Loan loss allowance to noncurrent loans | 39.3538% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 1,549 |
| Noncurrent loans to loans | 2.7313% | 599 |
| Net loans and leases to total assets | 44.9775% | 5,145 |
| Net loans and leases to deposits | 52.4285% | 5,186 |
| Net loans and leases to core deposits | 68.8533% | 4,409 |
| Total domestic deposits to total assets | 85.7883% | 2,459 |
| Equity capital to assets | 13.9846% | 1,037 |
| Core capital (leverage) ratio | 14.0512% | 831 |
| Tier 1 risk-based capital ratio | 24.2646% | 879 |
| Total risk-based capital ratio | 25.1139% | 898 |
| Memoranda: | ||
| Average total assets | $353,065,250 | 1,894 |
| Average earning assets | $348,200,750 | 1,787 |
| Average equity | $48,955,250 | 1,561 |
| Average total loans | $163,530,500 | 2,481 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 1,877 |
| Cost of funding earning assets | 1.7413% | 5 |
| Net interest margin | 2.6415% | 5,627 |
| Noninterest income to average assets | 0.0051% | 5,994 |
| Noninterest expense to average assets | 0.9376% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9279% | 2,729 |
| Return on assets (ROA) | 0.9279% | 2,865 |
| Pretax return on assets | 1.6718% | 1,166 |
| Return on Equity (ROE) | 6.7116% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.7116% | 1,759 |
| Net charge-offs to loans | 0.0134% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 266.8182% | 256 |
| Efficiency ratio | 35.9310% | 5,967 |
| Assets per employee ($millions) | 20.8286% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 4,098 |
| Loan loss allowance to noncurrent loans | 65.6683% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 2,662 |
| Noncurrent loans to loans | 1.6322% | 1,310 |
| Net loans and leases to total assets | 45.7198% | 5,146 |
| Net loans and leases to deposits | 53.2124% | 5,183 |
| Net loans and leases to core deposits | 68.9255% | 4,408 |
| Total domestic deposits to total assets | 85.9196% | 2,460 |
| Equity capital to assets | 13.9409% | 1,046 |
| Core capital (leverage) ratio | 13.8974% | 855 |
| Tier 1 risk-based capital ratio | 25.1956% | 796 |
| Total risk-based capital ratio | 26.0923% | 812 |
| Memoranda: | ||
| Average total assets | $351,117,670 | 1,903 |
| Average earning assets | $346,170,330 | 1,790 |
| Average equity | $48,543,000 | 1,567 |
| Average total loans | $163,646,670 | 2,488 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 1,895 |
| Cost of funding earning assets | 1.7392% | 6 |
| Net interest margin | 2.6309% | 5,692 |
| Noninterest income to average assets | 0.0023% | 6,063 |
| Noninterest expense to average assets | 0.9484% | 6,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9130% | 2,684 |
| Return on assets (ROA) | 0.9130% | 2,804 |
| Pretax return on assets | 1.6463% | 1,189 |
| Return on Equity (ROE) | 6.6316% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.6316% | 2,068 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5520% | 6,020 |
| Assets per employee ($millions) | 20.7846% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 4,189 |
| Loan loss allowance to noncurrent loans | 40.3060% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 1,755 |
| Noncurrent loans to loans | 2.6708% | 673 |
| Net loans and leases to total assets | 45.9036% | 5,121 |
| Net loans and leases to deposits | 53.2861% | 5,147 |
| Net loans and leases to core deposits | 68.6511% | 4,345 |
| Total domestic deposits to total assets | 86.1456% | 2,611 |
| Equity capital to assets | 13.7353% | 1,075 |
| Core capital (leverage) ratio | 13.8417% | 853 |
| Tier 1 risk-based capital ratio | 26.3688% | 711 |
| Total risk-based capital ratio | 27.3293% | 713 |
| Memoranda: | ||
| Average total assets | $349,633,000 | 1,915 |
| Average earning assets | $344,520,000 | 1,807 |
| Average equity | $48,133,000 | 1,568 |
| Average total loans | $163,649,000 | 2,485 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 1,855 |
| Cost of funding earning assets | 1.7579% | 8 |
| Net interest margin | 2.6564% | 5,696 |
| Noninterest income to average assets | 0.0112% | 6,084 |
| Noninterest expense to average assets | 1.0218% | 6,120 |
| Loan and lease loss provision to assets | 0.0148% | 4,111 |
| Net operating income to assets | 1.1039% | 1,908 |
| Return on assets (ROA) | 1.1039% | 1,978 |
| Pretax return on assets | 1.5912% | 1,271 |
| Return on Equity (ROE) | 8.1693% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.1693% | 860 |
| Net charge-offs to loans | 0.0094% | 4,133 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 362.5333% | 185 |
| Efficiency ratio | 38.8851% | 6,079 |
| Assets per employee ($millions) | 19.2182% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 4,149 |
| Loan loss allowance to noncurrent loans | 38.9539% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.3352% | 1,583 |
| Noncurrent loans to loans | 2.7740% | 624 |
| Net loans and leases to total assets | 46.7071% | 5,116 |
| Net loans and leases to deposits | 54.2129% | 5,153 |
| Net loans and leases to core deposits | 69.2899% | 4,352 |
| Total domestic deposits to total assets | 86.1549% | 2,569 |
| Equity capital to assets | 13.7988% | 1,008 |
| Core capital (leverage) ratio | 13.9246% | 847 |
| Tier 1 risk-based capital ratio | 26.0242% | 741 |
| Total risk-based capital ratio | 27.0007% | 738 |
| Memoranda: | ||
| Average total assets | $338,619,400 | 1,932 |
| Average earning assets | $333,530,800 | 1,818 |
| Average equity | $45,756,600 | 1,611 |
| Average total loans | $160,012,800 | 2,469 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 1,850 |
| Cost of funding earning assets | 1.7591% | 9 |
| Net interest margin | 2.6617% | 5,768 |
| Noninterest income to average assets | 0.0127% | 6,165 |
| Noninterest expense to average assets | 0.9402% | 6,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9937% | 2,502 |
| Return on assets (ROA) | 0.9937% | 2,587 |
| Pretax return on assets | 1.6944% | 1,118 |
| Return on Equity (ROE) | 7.3938% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.3938% | 1,503 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6875% | 6,186 |
| Assets per employee ($millions) | 18.9241% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,394 |
| Loan loss allowance to noncurrent loans | 45.5263% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 2,126 |
| Noncurrent loans to loans | 2.3482% | 894 |
| Net loans and leases to total assets | 46.9987% | 5,150 |
| Net loans and leases to deposits | 54.5187% | 5,218 |
| Net loans and leases to core deposits | 69.2881% | 4,442 |
| Total domestic deposits to total assets | 86.2066% | 2,435 |
| Equity capital to assets | 13.6572% | 1,154 |
| Core capital (leverage) ratio | 13.6598% | 956 |
| Tier 1 risk-based capital ratio | 25.4122% | 817 |
| Total risk-based capital ratio | 26.3587% | 835 |
| Memoranda: | ||
| Average total assets | $336,792,250 | 1,957 |
| Average earning assets | $331,761,250 | 1,841 |
| Average equity | $45,262,250 | 1,642 |
| Average total loans | $159,181,500 | 2,488 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 1,715 |
| Cost of funding earning assets | 1.7510% | 9 |
| Net interest margin | 2.6885% | 5,777 |
| Noninterest income to average assets | 0.0137% | 6,239 |
| Noninterest expense to average assets | 0.9329% | 6,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0056% | 2,365 |
| Return on assets (ROA) | 1.0056% | 2,469 |
| Pretax return on assets | 1.7287% | 1,023 |
| Return on Equity (ROE) | 7.5241% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.5241% | 1,461 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0504% | 6,266 |
| Assets per employee ($millions) | 18.8323% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 4,363 |
| Loan loss allowance to noncurrent loans | 46.6559% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 2,320 |
| Noncurrent loans to loans | 2.3404% | 1,001 |
| Net loans and leases to total assets | 46.2277% | 5,228 |
| Net loans and leases to deposits | 53.4939% | 5,285 |
| Net loans and leases to core deposits | 67.4848% | 4,536 |
| Total domestic deposits to total assets | 86.4166% | 2,482 |
| Equity capital to assets | 13.4807% | 1,177 |
| Core capital (leverage) ratio | 13.5423% | 976 |
| Tier 1 risk-based capital ratio | 25.9708% | 780 |
| Total risk-based capital ratio | 26.9555% | 785 |
| Memoranda: | ||
| Average total assets | $335,512,000 | 1,978 |
| Average earning assets | $330,446,330 | 1,859 |
| Average equity | $44,842,670 | 1,664 |
| Average total loans | $158,301,000 | 2,501 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 1,567 |
| Cost of funding earning assets | 1.7528% | 9 |
| Net interest margin | 2.7131% | 5,779 |
| Noninterest income to average assets | 0.0096% | 6,312 |
| Noninterest expense to average assets | 1.0079% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9707% | 2,388 |
| Return on assets (ROA) | 0.9707% | 2,523 |
| Pretax return on assets | 1.6730% | 1,106 |
| Return on Equity (ROE) | 7.2948% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.2948% | 1,863 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5950% | 6,311 |
| Assets per employee ($millions) | 18.6489% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 4,547 |
| Loan loss allowance to noncurrent loans | 29.6894% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.7359% | 1,431 |
| Noncurrent loans to loans | 3.6846% | 499 |
| Net loans and leases to total assets | 46.5965% | 5,158 |
| Net loans and leases to deposits | 53.8651% | 5,201 |
| Net loans and leases to core deposits | 67.9300% | 4,331 |
| Total domestic deposits to total assets | 86.5059% | 2,665 |
| Equity capital to assets | 13.3520% | 1,237 |
| Core capital (leverage) ratio | 13.5558% | 955 |
| Tier 1 risk-based capital ratio | 27.7243% | 666 |
| Total risk-based capital ratio | 28.7961% | 658 |
| Memoranda: | ||
| Average total assets | $333,777,500 | 1,996 |
| Average earning assets | $328,625,500 | 1,869 |
| Average equity | $44,415,500 | 1,683 |
| Average total loans | $158,235,000 | 2,508 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 1,656 |
| Cost of funding earning assets | 1.8090% | 13 |
| Net interest margin | 2.7542% | 5,869 |
| Noninterest income to average assets | 0.0015% | 6,387 |
| Noninterest expense to average assets | 1.0315% | 6,443 |
| Loan and lease loss provision to assets | 0.0907% | 2,652 |
| Net operating income to assets | 1.1010% | 1,973 |
| Return on assets (ROA) | 1.1010% | 2,027 |
| Pretax return on assets | 1.5859% | 1,279 |
| Return on Equity (ROE) | 8.5009% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.5009% | 831 |
| Net charge-offs to loans | 0.0583% | 3,671 |
| Credit loss provision to net charge-offs | 324.1758% | 807 |
| Earnings coverage of net charge-offs (x) | 59.9231% | 795 |
| Efficiency ratio | 38.0904% | 6,423 |
| Assets per employee ($millions) | 18.4375% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 4,572 |
| Loan loss allowance to noncurrent loans | 31.9601% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.6524% | 1,629 |
| Noncurrent loans to loans | 3.4189% | 612 |
| Net loans and leases to total assets | 47.1849% | 5,233 |
| Net loans and leases to deposits | 54.4203% | 5,302 |
| Net loans and leases to core deposits | 68.3260% | 4,468 |
| Total domestic deposits to total assets | 86.7046% | 2,448 |
| Equity capital to assets | 13.2613% | 1,244 |
| Core capital (leverage) ratio | 13.2701% | 1,036 |
| Tier 1 risk-based capital ratio | 27.6418% | 637 |
| Total risk-based capital ratio | 28.7300% | 630 |
| Memoranda: | ||
| Average total assets | $325,251,200 | 1,996 |
| Average earning assets | $319,618,000 | 1,873 |
| Average equity | $42,124,800 | 1,703 |
| Average total loans | $155,980,600 | 2,481 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,670 |
| Cost of funding earning assets | 1.8043% | 13 |
| Net interest margin | 2.7567% | 5,924 |
| Noninterest income to average assets | 0.0152% | 6,447 |
| Noninterest expense to average assets | 0.9975% | 6,524 |
| Loan and lease loss provision to assets | 0.0288% | 3,831 |
| Net operating income to assets | 0.9839% | 2,522 |
| Return on assets (ROA) | 0.9839% | 2,586 |
| Pretax return on assets | 1.6971% | 1,073 |
| Return on Equity (ROE) | 7.6439% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.6439% | 1,514 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6263% | 6,502 |
| Assets per employee ($millions) | 18.3048% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 5,200 |
| Loan loss allowance to noncurrent loans | 32.2809% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 2,051 |
| Noncurrent loans to loans | 3.1092% | 834 |
| Net loans and leases to total assets | 47.7468% | 5,231 |
| Net loans and leases to deposits | 55.0149% | 5,306 |
| Net loans and leases to core deposits | 69.5443% | 4,369 |
| Total domestic deposits to total assets | 86.7888% | 2,425 |
| Equity capital to assets | 13.0054% | 1,423 |
| Core capital (leverage) ratio | 12.9738% | 1,188 |
| Tier 1 risk-based capital ratio | 27.0255% | 709 |
| Total risk-based capital ratio | 28.0339% | 707 |
| Memoranda: | ||
| Average total assets | $323,595,250 | 2,023 |
| Average earning assets | $317,907,500 | 1,893 |
| Average equity | $41,653,250 | 1,731 |
| Average total loans | $155,394,500 | 2,500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,599 |
| Cost of funding earning assets | 1.7969% | 14 |
| Net interest margin | 2.7767% | 5,953 |
| Noninterest income to average assets | 0.0187% | 6,511 |
| Noninterest expense to average assets | 1.0167% | 6,590 |
| Loan and lease loss provision to assets | 0.0267% | 3,739 |
| Net operating income to assets | 0.9844% | 2,388 |
| Return on assets (ROA) | 0.9844% | 2,467 |
| Pretax return on assets | 1.7013% | 1,018 |
| Return on Equity (ROE) | 7.6744% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.6744% | 1,446 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0412% | 6,560 |
| Assets per employee ($millions) | 19.1356% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 5,298 |
| Loan loss allowance to noncurrent loans | 30.2411% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 1.5939% | 2,057 |
| Noncurrent loans to loans | 3.3465% | 824 |
| Net loans and leases to total assets | 47.1461% | 5,251 |
| Net loans and leases to deposits | 54.2237% | 5,340 |
| Net loans and leases to core deposits | 67.2358% | 4,527 |
| Total domestic deposits to total assets | 86.9474% | 2,478 |
| Equity capital to assets | 12.9248% | 1,411 |
| Core capital (leverage) ratio | 12.8928% | 1,199 |
| Tier 1 risk-based capital ratio | 27.3158% | 681 |
| Total risk-based capital ratio | 28.3371% | 682 |
| Memoranda: | ||
| Average total assets | $321,631,670 | 2,030 |
| Average earning assets | $315,766,330 | 1,899 |
| Average equity | $41,254,000 | 1,738 |
| Average total loans | $154,221,330 | 2,514 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,516 |
| Cost of funding earning assets | 1.7880% | 14 |
| Net interest margin | 2.8083% | 5,918 |
| Noninterest income to average assets | 0.0088% | 6,588 |
| Noninterest expense to average assets | 1.0332% | 6,671 |
| Loan and lease loss provision to assets | 0.0250% | 3,506 |
| Net operating income to assets | 0.9931% | 2,233 |
| Return on assets (ROA) | 0.9931% | 2,292 |
| Pretax return on assets | 1.7048% | 966 |
| Return on Equity (ROE) | 7.7732% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.7732% | 1,695 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3925% | 6,627 |
| Assets per employee ($millions) | 18.9644% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,527 |
| Loan loss allowance to noncurrent loans | 37.5091% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 2,654 |
| Noncurrent loans to loans | 2.6645% | 1,276 |
| Net loans and leases to total assets | 47.4714% | 5,192 |
| Net loans and leases to deposits | 54.5051% | 5,235 |
| Net loans and leases to core deposits | 66.9608% | 4,402 |
| Total domestic deposits to total assets | 87.0953% | 2,748 |
| Equity capital to assets | 12.7968% | 1,398 |
| Core capital (leverage) ratio | 12.7645% | 1,264 |
| Tier 1 risk-based capital ratio | 26.9842% | 711 |
| Total risk-based capital ratio | 27.9973% | 717 |
| Memoranda: | ||
| Average total assets | $319,794,500 | 2,043 |
| Average earning assets | $313,645,000 | 1,918 |
| Average equity | $40,858,500 | 1,745 |
| Average total loans | $153,863,500 | 2,536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 1,491 |
| Cost of funding earning assets | 1.8598% | 14 |
| Net interest margin | 2.8694% | 5,856 |
| Noninterest income to average assets | 0.0141% | 6,623 |
| Noninterest expense to average assets | 1.1327% | 6,726 |
| Loan and lease loss provision to assets | 0.0871% | 3,362 |
| Net operating income to assets | 1.0754% | 2,014 |
| Return on assets (ROA) | 1.0754% | 2,103 |
| Pretax return on assets | 1.6069% | 1,148 |
| Return on Equity (ROE) | 8.4994% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.4994% | 903 |
| Net charge-offs to loans | 0.0500% | 4,522 |
| Credit loss provision to net charge-offs | 354.6667% | 642 |
| Earnings coverage of net charge-offs (x) | 68.9733% | 613 |
| Efficiency ratio | 40.0718% | 6,688 |
| Assets per employee ($millions) | 17.6219% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,593 |
| Loan loss allowance to noncurrent loans | 43.7715% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1558% | 3,087 |
| Noncurrent loans to loans | 2.2751% | 1,697 |
| Net loans and leases to total assets | 47.7977% | 5,312 |
| Net loans and leases to deposits | 54.8377% | 5,397 |
| Net loans and leases to core deposits | 67.5669% | 4,554 |
| Total domestic deposits to total assets | 87.1622% | 2,639 |
| Equity capital to assets | 12.7559% | 1,392 |
| Core capital (leverage) ratio | 12.7231% | 1,247 |
| Tier 1 risk-based capital ratio | 26.8479% | 695 |
| Total risk-based capital ratio | 27.8625% | 701 |
| Memoranda: | ||
| Average total assets | $305,375,600 | 2,115 |
| Average earning assets | $299,327,000 | 1,987 |
| Average equity | $38,638,000 | 1,803 |
| Average total loans | $149,964,400 | 2,557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,572 |
| Cost of funding earning assets | 1.8669% | 15 |
| Net interest margin | 2.8424% | 5,937 |
| Noninterest income to average assets | 0.0362% | 6,665 |
| Noninterest expense to average assets | 1.0299% | 6,825 |
| Loan and lease loss provision to assets | 0.0829% | 3,410 |
| Net operating income to assets | 0.9977% | 2,383 |
| Return on assets (ROA) | 0.9977% | 2,475 |
| Pretax return on assets | 1.7097% | 1,073 |
| Return on Equity (ROE) | 7.9023% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.9023% | 1,452 |
| Net charge-offs to loans | 0.0313% | 4,508 |
| Credit loss provision to net charge-offs | 537.1429% | 525 |
| Earnings coverage of net charge-offs (x) | 116.1603% | 442 |
| Efficiency ratio | 36.4886% | 6,796 |
| Assets per employee ($millions) | 17.1977% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,751 |
| Loan loss allowance to noncurrent loans | 33.5060% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 1.4934% | 2,694 |
| Noncurrent loans to loans | 2.9703% | 1,366 |
| Net loans and leases to total assets | 47.8190% | 5,365 |
| Net loans and leases to deposits | 54.8701% | 5,466 |
| Net loans and leases to core deposits | 67.4320% | 4,579 |
| Total domestic deposits to total assets | 87.1495% | 2,601 |
| Equity capital to assets | 12.7078% | 1,473 |
| Core capital (leverage) ratio | 12.7084% | 1,320 |
| Tier 1 risk-based capital ratio | 26.8529% | 717 |
| Total risk-based capital ratio | 27.8686% | 723 |
| Memoranda: | ||
| Average total assets | $302,420,750 | 2,145 |
| Average earning assets | $296,459,500 | 2,005 |
| Average equity | $38,182,250 | 1,832 |
| Average total loans | $149,171,250 | 2,581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 1,626 |
| Cost of funding earning assets | 1.8616% | 17 |
| Net interest margin | 2.8183% | 5,968 |
| Noninterest income to average assets | 0.0367% | 6,706 |
| Noninterest expense to average assets | 1.0132% | 6,879 |
| Loan and lease loss provision to assets | 0.0920% | 3,248 |
| Net operating income to assets | 0.9685% | 2,474 |
| Return on assets (ROA) | 0.9685% | 2,618 |
| Pretax return on assets | 1.6924% | 1,131 |
| Return on Equity (ROE) | 7.6884% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.6884% | 1,600 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2163% | 6,843 |
| Assets per employee ($millions) | 16.9889% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 5,883 |
| Loan loss allowance to noncurrent loans | 42.1339% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 3,063 |
| Noncurrent loans to loans | 2.3388% | 2,015 |
| Net loans and leases to total assets | 48.3988% | 5,290 |
| Net loans and leases to deposits | 55.4233% | 5,395 |
| Net loans and leases to core deposits | 67.2382% | 4,569 |
| Total domestic deposits to total assets | 87.3257% | 2,639 |
| Equity capital to assets | 12.5990% | 1,519 |
| Core capital (leverage) ratio | 12.5997% | 1,318 |
| Tier 1 risk-based capital ratio | 25.8839% | 786 |
| Total risk-based capital ratio | 26.8734% | 792 |
| Memoranda: | ||
| Average total assets | $300,041,330 | 2,166 |
| Average earning assets | $293,933,000 | 2,018 |
| Average equity | $37,797,000 | 1,860 |
| Average total loans | $149,056,330 | 2,585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 1,221 |
| Cost of funding earning assets | 1.8590% | 17 |
| Net interest margin | 2.9755% | 5,633 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 1.0688% | 6,945 |
| Loan and lease loss provision to assets | 0.1319% | 2,589 |
| Net operating income to assets | 0.9611% | 2,396 |
| Return on assets (ROA) | 0.9611% | 2,526 |
| Pretax return on assets | 1.7122% | 1,047 |
| Return on Equity (ROE) | 7.6299% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.6299% | 1,883 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6913% | 6,915 |
| Assets per employee ($millions) | 16.7014% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 6,104 |
| Loan loss allowance to noncurrent loans | 48.3958% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 3,767 |
| Noncurrent loans to loans | 1.9859% | 2,634 |
| Net loans and leases to total assets | 49.1195% | 5,099 |
| Net loans and leases to deposits | 56.2629% | 5,218 |
| Net loans and leases to core deposits | 68.3010% | 4,265 |
| Total domestic deposits to total assets | 87.3035% | 2,755 |
| Equity capital to assets | 12.5698% | 1,670 |
| Core capital (leverage) ratio | 12.5704% | 1,309 |
| Tier 1 risk-based capital ratio | 23.0836% | 1,148 |
| Total risk-based capital ratio | 23.9590% | 1,184 |
| Memoranda: | ||
| Average total assets | $297,161,500 | 2,205 |
| Average earning assets | $290,907,500 | 2,071 |
| Average equity | $37,431,500 | 1,893 |
| Average total loans | $148,846,000 | 2,598 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 1,930 |
| Cost of funding earning assets | 1.9531% | 37 |
| Net interest margin | 2.9210% | 6,187 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 1.0288% | 7,008 |
| Loan and lease loss provision to assets | 0.2244% | 2,885 |
| Net operating income to assets | 0.9949% | 2,358 |
| Return on assets (ROA) | 0.9949% | 2,579 |
| Pretax return on assets | 1.6028% | 1,382 |
| Return on Equity (ROE) | 7.8349% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.8349% | 1,181 |
| Net charge-offs to loans | 0.3673% | 2,795 |
| Credit loss provision to net charge-offs | 115.4128% | 2,510 |
| Earnings coverage of net charge-offs (x) | 9.3982% | 2,269 |
| Efficiency ratio | 36.0230% | 6,988 |
| Assets per employee ($millions) | 17.2763% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,270 |
| Loan loss allowance to noncurrent loans | 39.7558% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 3,546 |
| Noncurrent loans to loans | 2.2599% | 2,394 |
| Net loans and leases to total assets | 50.1394% | 5,149 |
| Net loans and leases to deposits | 57.4237% | 5,303 |
| Net loans and leases to core deposits | 69.6565% | 4,362 |
| Total domestic deposits to total assets | 87.3148% | 2,638 |
| Equity capital to assets | 12.6236% | 1,629 |
| Core capital (leverage) ratio | 12.6242% | 1,268 |
| Tier 1 risk-based capital ratio | 25.2307% | 825 |
| Total risk-based capital ratio | 26.1391% | 856 |
| Memoranda: | ||
| Average total assets | $280,325,200 | 2,265 |
| Average earning assets | $274,082,400 | 2,136 |
| Average equity | $35,597,000 | 1,944 |
| Average total loans | $148,387,200 | 2,593 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 1,889 |
| Cost of funding earning assets | 1.9822% | 33 |
| Net interest margin | 2.9511% | 6,270 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.9637% | 7,126 |
| Loan and lease loss provision to assets | 0.2209% | 2,855 |
| Net operating income to assets | 0.9401% | 2,797 |
| Return on assets (ROA) | 0.9401% | 3,019 |
| Pretax return on assets | 1.7007% | 1,267 |
| Return on Equity (ROE) | 7.3918% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.3918% | 1,902 |
| Net charge-offs to loans | 0.1915% | 3,587 |
| Credit loss provision to net charge-offs | 215.4930% | 1,290 |
| Earnings coverage of net charge-offs (x) | 18.7420% | 1,536 |
| Efficiency ratio | 33.4001% | 7,101 |
| Assets per employee ($millions) | 16.6154% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,076 |
| Loan loss allowance to noncurrent loans | 51.5496% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 3,685 |
| Noncurrent loans to loans | 1.9416% | 2,910 |
| Net loans and leases to total assets | 52.4201% | 4,991 |
| Net loans and leases to deposits | 60.2226% | 5,182 |
| Net loans and leases to core deposits | 71.2104% | 4,351 |
| Total domestic deposits to total assets | 87.0439% | 2,643 |
| Equity capital to assets | 12.8297% | 1,687 |
| Core capital (leverage) ratio | 12.8311% | 1,261 |
| Tier 1 risk-based capital ratio | 29.9287% | 540 |
| Total risk-based capital ratio | 31.1648% | 530 |
| Memoranda: | ||
| Average total assets | $276,982,250 | 2,319 |
| Average earning assets | $270,804,750 | 2,180 |
| Average equity | $35,227,500 | 1,980 |
| Average total loans | $148,335,750 | 2,629 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 2,255 |
| Cost of funding earning assets | 1.9732% | 42 |
| Net interest margin | 2.8910% | 6,441 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.9544% | 7,195 |
| Loan and lease loss provision to assets | 0.2406% | 2,657 |
| Net operating income to assets | 0.8955% | 2,933 |
| Return on assets (ROA) | 0.8955% | 3,196 |
| Pretax return on assets | 1.6325% | 1,446 |
| Return on Equity (ROE) | 7.0621% | 3,747 |
| Retained earnings to average equity (ytd only) | 7.0621% | 2,069 |
| Net charge-offs to loans | 0.1095% | 4,090 |
| Credit loss provision to net charge-offs | 408.6420% | 722 |
| Earnings coverage of net charge-offs (x) | 31.8148% | 1,033 |
| Efficiency ratio | 33.7532% | 7,142 |
| Assets per employee ($millions) | 16.4433% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 6,081 |
| Loan loss allowance to noncurrent loans | 44.3951% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2642% | 3,896 |
| Noncurrent loans to loans | 2.2929% | 2,616 |
| Net loans and leases to total assets | 52.2137% | 5,073 |
| Net loans and leases to deposits | 59.8708% | 5,248 |
| Net loans and leases to core deposits | 70.4309% | 4,480 |
| Total domestic deposits to total assets | 87.2106% | 2,645 |
| Equity capital to assets | 12.7061% | 1,683 |
| Core capital (leverage) ratio | 12.7075% | 1,255 |
| Tier 1 risk-based capital ratio | 28.9583% | 575 |
| Total risk-based capital ratio | 30.1811% | 563 |
| Memoranda: | ||
| Average total assets | $275,155,670 | 2,336 |
| Average earning assets | $269,112,670 | 2,197 |
| Average equity | $34,890,330 | 1,976 |
| Average total loans | $147,926,330 | 2,644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 2,151 |
| Cost of funding earning assets | 1.9993% | 46 |
| Net interest margin | 2.9271% | 6,443 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 1.0258% | 7,252 |
| Loan and lease loss provision to assets | 0.2491% | 2,469 |
| Net operating income to assets | 0.8529% | 3,143 |
| Return on assets (ROA) | 0.8529% | 3,378 |
| Pretax return on assets | 1.5870% | 1,612 |
| Return on Equity (ROE) | 6.7329% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,564 |
| Net charge-offs to loans | 0.0648% | 3,845 |
| Credit loss provision to net charge-offs | 708.3333% | 499 |
| Earnings coverage of net charge-offs (x) | 52.2083% | 619 |
| Efficiency ratio | 35.8423% | 7,183 |
| Assets per employee ($millions) | 16.2222% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,435 |
| Loan loss allowance to noncurrent loans | 49.9642% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 4,364 |
| Noncurrent loans to loans | 1.8901% | 3,297 |
| Net loans and leases to total assets | 53.1346% | 4,864 |
| Net loans and leases to deposits | 60.9802% | 5,047 |
| Net loans and leases to core deposits | 71.2633% | 4,258 |
| Total domestic deposits to total assets | 87.1342% | 2,877 |
| Equity capital to assets | 12.6435% | 1,633 |
| Core capital (leverage) ratio | 12.6450% | 1,268 |
| Tier 1 risk-based capital ratio | 28.9075% | 574 |
| Total risk-based capital ratio | 30.0001% | 574 |
| Memoranda: | ||
| Average total assets | $272,965,500 | 2,361 |
| Average earning assets | $266,887,000 | 2,226 |
| Average equity | $34,576,500 | 1,997 |
| Average total loans | $148,161,000 | 2,659 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 3,040 |
| Cost of funding earning assets | 2.1505% | 62 |
| Net interest margin | 2.8165% | 6,804 |
| Noninterest income to average assets | 0.0479% | 6,842 |
| Noninterest expense to average assets | 1.0537% | 7,290 |
| Loan and lease loss provision to assets | 0.2785% | 3,436 |
| Net operating income to assets | 0.8921% | 2,634 |
| Return on assets (ROA) | 0.8921% | 2,768 |
| Pretax return on assets | 1.4664% | 1,571 |
| Return on Equity (ROE) | 7.1591% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.1591% | 1,426 |
| Net charge-offs to loans | 0.0481% | 5,825 |
| Credit loss provision to net charge-offs | 1,055.7143% | 212 |
| Earnings coverage of net charge-offs (x) | 66.1429% | 449 |
| Efficiency ratio | 37.6515% | 7,238 |
| Assets per employee ($millions) | 16.8846% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 6,663 |
| Loan loss allowance to noncurrent loans | 86.3856% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 5,498 |
| Noncurrent loans to loans | 0.9751% | 4,761 |
| Net loans and leases to total assets | 54.4660% | 4,957 |
| Net loans and leases to deposits | 62.4531% | 5,178 |
| Net loans and leases to core deposits | 71.9275% | 4,542 |
| Total domestic deposits to total assets | 87.2110% | 2,638 |
| Equity capital to assets | 12.6909% | 1,660 |
| Core capital (leverage) ratio | 12.6909% | 1,270 |
| Tier 1 risk-based capital ratio | 27.3440% | 682 |
| Total risk-based capital ratio | 29.0811% | 625 |
| Memoranda: | ||
| Average total assets | $265,342,600 | 2,375 |
| Average earning assets | $259,154,200 | 2,241 |
| Average equity | $33,062,800 | 2,017 |
| Average total loans | $145,388,400 | 2,709 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 3,117 |
| Cost of funding earning assets | 2.1716% | 66 |
| Net interest margin | 2.8213% | 6,864 |
| Noninterest income to average assets | 0.0454% | 6,971 |
| Noninterest expense to average assets | 1.0777% | 7,363 |
| Loan and lease loss provision to assets | 0.2862% | 3,226 |
| Net operating income to assets | 0.8591% | 2,910 |
| Return on assets (ROA) | 0.8591% | 3,061 |
| Pretax return on assets | 1.4366% | 1,827 |
| Return on Equity (ROE) | 6.9276% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.9276% | 2,010 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4823% | 7,281 |
| Assets per employee ($millions) | 16.6854% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 6,854 |
| Loan loss allowance to noncurrent loans | 47.4401% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 4,765 |
| Noncurrent loans to loans | 1.6433% | 3,826 |
| Net loans and leases to total assets | 54.7781% | 5,035 |
| Net loans and leases to deposits | 62.6780% | 5,326 |
| Net loans and leases to core deposits | 72.3540% | 4,670 |
| Total domestic deposits to total assets | 87.3961% | 2,409 |
| Equity capital to assets | 12.5937% | 1,856 |
| Core capital (leverage) ratio | 12.5937% | 1,393 |
| Tier 1 risk-based capital ratio | 26.6999% | 759 |
| Total risk-based capital ratio | 28.3882% | 713 |
| Memoranda: | ||
| Average total assets | $264,139,750 | 2,401 |
| Average earning assets | $257,934,500 | 2,262 |
| Average equity | $32,757,250 | 2,028 |
| Average total loans | $144,637,500 | 2,738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 3,344 |
| Cost of funding earning assets | 2.1874% | 74 |
| Net interest margin | 2.7746% | 6,958 |
| Noninterest income to average assets | 0.0448% | 7,069 |
| Noninterest expense to average assets | 1.0631% | 7,444 |
| Loan and lease loss provision to assets | 0.2713% | 3,224 |
| Net operating income to assets | 0.8647% | 2,800 |
| Return on assets (ROA) | 0.8647% | 2,888 |
| Pretax return on assets | 1.4179% | 1,757 |
| Return on Equity (ROE) | 7.0097% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.0097% | 1,873 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6251% | 7,356 |
| Assets per employee ($millions) | 16.5879% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 7,047 |
| Loan loss allowance to noncurrent loans | 31.8728% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 4,293 |
| Noncurrent loans to loans | 2.1265% | 3,318 |
| Net loans and leases to total assets | 54.2207% | 5,261 |
| Net loans and leases to deposits | 61.9348% | 5,512 |
| Net loans and leases to core deposits | 72.9623% | 4,710 |
| Total domestic deposits to total assets | 87.5447% | 2,444 |
| Equity capital to assets | 12.4553% | 1,806 |
| Core capital (leverage) ratio | 12.4553% | 1,385 |
| Tier 1 risk-based capital ratio | 26.9833% | 725 |
| Total risk-based capital ratio | 28.6248% | 692 |
| Memoranda: | ||
| Average total assets | $263,197,670 | 2,424 |
| Average earning assets | $256,833,330 | 2,284 |
| Average equity | $32,469,330 | 2,032 |
| Average total loans | $143,720,670 | 2,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 3,301 |
| Cost of funding earning assets | 2.2206% | 81 |
| Net interest margin | 2.7371% | 6,981 |
| Noninterest income to average assets | 0.0565% | 7,108 |
| Noninterest expense to average assets | 1.0729% | 7,506 |
| Loan and lease loss provision to assets | 0.1984% | 3,645 |
| Net operating income to assets | 0.7845% | 3,108 |
| Return on assets (ROA) | 0.7845% | 3,177 |
| Pretax return on assets | 1.4544% | 1,585 |
| Return on Equity (ROE) | 6.3900% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.3900% | 2,423 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3617% | 7,402 |
| Assets per employee ($millions) | 16.4221% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 7,179 |
| Loan loss allowance to noncurrent loans | 35.3479% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 4,699 |
| Noncurrent loans to loans | 1.7604% | 3,874 |
| Net loans and leases to total assets | 54.0350% | 5,300 |
| Net loans and leases to deposits | 61.7348% | 5,533 |
| Net loans and leases to core deposits | 72.6180% | 4,709 |
| Total domestic deposits to total assets | 87.5275% | 2,650 |
| Equity capital to assets | 12.3435% | 1,717 |
| Core capital (leverage) ratio | 12.3435% | 1,393 |
| Tier 1 risk-based capital ratio | 26.8534% | 721 |
| Total risk-based capital ratio | 28.4861% | 673 |
| Memoranda: | ||
| Average total assets | $262,093,500 | 2,456 |
| Average earning assets | $255,603,000 | 2,309 |
| Average equity | $32,175,500 | 2,033 |
| Average total loans | $143,137,500 | 2,822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 3,039 |
| Cost of funding earning assets | 2.5571% | 89 |
| Net interest margin | 2.7599% | 7,075 |
| Noninterest income to average assets | -0.0028% | 7,302 |
| Noninterest expense to average assets | 1.1037% | 7,564 |
| Loan and lease loss provision to assets | 0.1666% | 5,552 |
| Net operating income to assets | 0.8734% | 2,489 |
| Return on assets (ROA) | 0.8618% | 2,687 |
| Pretax return on assets | 1.3959% | 1,676 |
| Return on Equity (ROE) | 7.0656% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.0656% | 1,291 |
| Net charge-offs to loans | 0.0724% | 6,074 |
| Credit loss provision to net charge-offs | 411.7647% | 589 |
| Earnings coverage of net charge-offs (x) | 39.0784% | 595 |
| Efficiency ratio | 41.1139% | 7,486 |
| Assets per employee ($millions) | 16.3396% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 7,016 |
| Loan loss allowance to noncurrent loans | 36.2869% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 4,590 |
| Noncurrent loans to loans | 2.1484% | 3,367 |
| Net loans and leases to total assets | 54.4266% | 5,582 |
| Net loans and leases to deposits | 62.0959% | 5,840 |
| Net loans and leases to core deposits | 72.8563% | 5,116 |
| Total domestic deposits to total assets | 87.6492% | 2,451 |
| Equity capital to assets | 12.2089% | 1,782 |
| Core capital (leverage) ratio | 12.2089% | 1,423 |
| Tier 1 risk-based capital ratio | 26.3840% | 726 |
| Total risk-based capital ratio | 28.2505% | 667 |
| Memoranda: | ||
| Average total assets | $252,158,800 | 2,525 |
| Average earning assets | $245,512,400 | 2,375 |
| Average equity | $30,754,800 | 2,129 |
| Average total loans | $140,829,400 | 2,934 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2682% | 3,497 |
| Cost of funding earning assets | 2.6045% | 94 |
| Net interest margin | 2.6637% | 7,269 |
| Noninterest income to average assets | 0.0395% | 7,325 |
| Noninterest expense to average assets | 1.1084% | 7,681 |
| Loan and lease loss provision to assets | 0.1094% | 5,937 |
| Net operating income to assets | 0.7968% | 3,011 |
| Return on assets (ROA) | 0.7968% | 3,173 |
| Pretax return on assets | 1.4142% | 1,843 |
| Return on Equity (ROE) | 6.5343% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.5343% | 2,071 |
| Net charge-offs to loans | 0.0732% | 5,786 |
| Credit loss provision to net charge-offs | 266.2338% | 1,234 |
| Earnings coverage of net charge-offs (x) | 37.0794% | 734 |
| Efficiency ratio | 42.1127% | 7,523 |
| Assets per employee ($millions) | 16.1405% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 7,283 |
| Loan loss allowance to noncurrent loans | 42.3744% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 5,062 |
| Noncurrent loans to loans | 1.5315% | 4,342 |
| Net loans and leases to total assets | 55.0111% | 5,699 |
| Net loans and leases to deposits | 62.6334% | 6,060 |
| Net loans and leases to core deposits | 73.5574% | 5,349 |
| Total domestic deposits to total assets | 87.8303% | 2,070 |
| Equity capital to assets | 12.0888% | 2,097 |
| Core capital (leverage) ratio | 12.1116% | 1,610 |
| Tier 1 risk-based capital ratio | 25.9689% | 773 |
| Total risk-based capital ratio | 27.7908% | 714 |
| Memoranda: | ||
| Average total assets | $249,840,250 | 2,578 |
| Average earning assets | $243,164,250 | 2,433 |
| Average equity | $30,464,000 | 2,163 |
| Average total loans | $140,185,000 | 2,978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 3,386 |
| Cost of funding earning assets | 2.6485% | 106 |
| Net interest margin | 2.6676% | 7,286 |
| Noninterest income to average assets | 0.0405% | 7,378 |
| Noninterest expense to average assets | 1.0962% | 7,757 |
| Loan and lease loss provision to assets | 0.1295% | 5,586 |
| Net operating income to assets | 0.7861% | 3,040 |
| Return on assets (ROA) | 0.7861% | 3,186 |
| Pretax return on assets | 1.4095% | 1,818 |
| Return on Equity (ROE) | 6.4278% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.4278% | 2,110 |
| Net charge-offs to loans | 0.1106% | 5,058 |
| Credit loss provision to net charge-offs | 207.7922% | 1,869 |
| Earnings coverage of net charge-offs (x) | 24.6883% | 1,059 |
| Efficiency ratio | 41.5975% | 7,606 |
| Assets per employee ($millions) | 15.9004% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 7,382 |
| Loan loss allowance to noncurrent loans | 28.3013% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3966% | 4,382 |
| Noncurrent loans to loans | 2.1990% | 3,482 |
| Net loans and leases to total assets | 55.4240% | 5,797 |
| Net loans and leases to deposits | 63.0644% | 6,133 |
| Net loans and leases to core deposits | 74.3956% | 5,399 |
| Total domestic deposits to total assets | 87.8847% | 2,059 |
| Equity capital to assets | 12.0665% | 2,058 |
| Core capital (leverage) ratio | 12.0721% | 1,605 |
| Tier 1 risk-based capital ratio | 25.6225% | 800 |
| Total risk-based capital ratio | 26.3725% | 818 |
| Memoranda: | ||
| Average total assets | $247,037,670 | 2,629 |
| Average earning assets | $240,290,670 | 2,475 |
| Average equity | $30,212,330 | 2,180 |
| Average total loans | $139,249,000 | 3,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 3,105 |
| Cost of funding earning assets | 2.7039% | 118 |
| Net interest margin | 2.6819% | 7,317 |
| Noninterest income to average assets | 0.0378% | 7,521 |
| Noninterest expense to average assets | 1.1177% | 7,851 |
| Loan and lease loss provision to assets | 0.1644% | 4,883 |
| Net operating income to assets | 0.7446% | 3,237 |
| Return on assets (ROA) | 0.7446% | 3,343 |
| Pretax return on assets | 1.3626% | 1,873 |
| Return on Equity (ROE) | 6.0461% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.0461% | 2,599 |
| Net charge-offs to loans | 0.2233% | 3,594 |
| Credit loss provision to net charge-offs | 129.8701% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.0649% | 1,591 |
| Efficiency ratio | 42.2623% | 7,670 |
| Assets per employee ($millions) | 15.4483% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 7,509 |
| Loan loss allowance to noncurrent loans | 41.4401% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 5,141 |
| Noncurrent loans to loans | 1.4249% | 4,596 |
| Net loans and leases to total assets | 56.0579% | 5,734 |
| Net loans and leases to deposits | 63.9336% | 6,055 |
| Net loans and leases to core deposits | 74.6479% | 5,425 |
| Total domestic deposits to total assets | 87.6815% | 2,246 |
| Equity capital to assets | 12.2101% | 1,926 |
| Core capital (leverage) ratio | 12.2037% | 1,544 |
| Tier 1 risk-based capital ratio | 25.9637% | 775 |
| Total risk-based capital ratio | 26.6850% | 800 |
| Memoranda: | ||
| Average total assets | $243,353,500 | 2,726 |
| Average earning assets | $236,549,000 | 2,569 |
| Average equity | $29,969,500 | 2,217 |
| Average total loans | $137,931,000 | 3,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 3,589 |
| Cost of funding earning assets | 3.1030% | 169 |
| Net interest margin | 2.5001% | 7,428 |
| Noninterest income to average assets | 0.0384% | 7,557 |
| Noninterest expense to average assets | 1.1629% | 7,919 |
| Loan and lease loss provision to assets | 0.1856% | 5,853 |
| Net operating income to assets | 0.6961% | 2,945 |
| Return on assets (ROA) | 0.6961% | 3,021 |
| Pretax return on assets | 1.1236% | 2,179 |
| Return on Equity (ROE) | 5.5198% | 3,413 |
| Retained earnings to average equity (ytd only) | 5.5198% | 1,569 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0412% | 7,664 |
| Assets per employee ($millions) | 13.3074% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 7,572 |
| Loan loss allowance to noncurrent loans | 35.1339% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 4,912 |
| Noncurrent loans to loans | 1.6684% | 4,148 |
| Net loans and leases to total assets | 56.6429% | 5,879 |
| Net loans and leases to deposits | 64.7500% | 6,180 |
| Net loans and leases to core deposits | 99.4153% | 4,058 |
| Total domestic deposits to total assets | 87.4794% | 2,230 |
| Equity capital to assets | 12.4237% | 1,784 |
| Core capital (leverage) ratio | 12.4164% | 1,486 |
| Tier 1 risk-based capital ratio | 26.3513% | 740 |
| Total risk-based capital ratio | 27.0805% | 763 |
| Memoranda: | ||
| Average total assets | $228,992,400 | 2,835 |
| Average earning assets | $222,913,600 | 2,671 |
| Average equity | $28,877,600 | 2,311 |
| Average total loans | $134,838,600 | 3,176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6089% | 3,815 |
| Cost of funding earning assets | 3.1675% | 203 |
| Net interest margin | 2.4414% | 7,522 |
| Noninterest income to average assets | 0.0359% | 7,709 |
| Noninterest expense to average assets | 1.1392% | 8,003 |
| Loan and lease loss provision to assets | 0.1720% | 5,642 |
| Net operating income to assets | 0.6173% | 3,544 |
| Return on assets (ROA) | 0.6173% | 3,593 |
| Pretax return on assets | 1.1032% | 2,552 |
| Return on Equity (ROE) | 4.8759% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.8759% | 2,564 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1822% | 7,709 |
| Assets per employee ($millions) | 13.8008% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 7,723 |
| Loan loss allowance to noncurrent loans | 28.2747% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 4,852 |
| Noncurrent loans to loans | 1.7407% | 4,019 |
| Net loans and leases to total assets | 57.4798% | 5,970 |
| Net loans and leases to deposits | 65.7852% | 6,330 |
| Net loans and leases to core deposits | 105.7695% | 3,729 |
| Total domestic deposits to total assets | 87.3750% | 1,962 |
| Equity capital to assets | 12.4520% | 1,983 |
| Core capital (leverage) ratio | 12.4449% | 1,602 |
| Tier 1 risk-based capital ratio | 25.8842% | 824 |
| Total risk-based capital ratio | 26.4968% | 849 |
| Memoranda: | ||
| Average total assets | $226,357,000 | 2,882 |
| Average earning assets | $220,524,500 | 2,712 |
| Average equity | $28,657,250 | 2,345 |
| Average total loans | $134,428,500 | 3,217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 3,774 |
| Cost of funding earning assets | 3.2229% | 250 |
| Net interest margin | 2.4360% | 7,542 |
| Noninterest income to average assets | 0.0331% | 7,826 |
| Noninterest expense to average assets | 1.1091% | 8,104 |
| Loan and lease loss provision to assets | 0.1843% | 5,186 |
| Net operating income to assets | 0.6154% | 3,619 |
| Return on assets (ROA) | 0.6154% | 3,728 |
| Pretax return on assets | 1.1127% | 2,590 |
| Return on Equity (ROE) | 4.8329% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.8329% | 2,605 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0967% | 7,845 |
| Assets per employee ($millions) | 14.3699% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 7,856 |
| Loan loss allowance to noncurrent loans | 18.1762% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5601% | 3,886 |
| Noncurrent loans to loans | 2.4315% | 2,971 |
| Net loans and leases to total assets | 58.0033% | 5,962 |
| Net loans and leases to deposits | 66.4451% | 6,348 |
| Net loans and leases to core deposits | 106.3214% | 3,801 |
| Total domestic deposits to total assets | 87.2950% | 2,101 |
| Equity capital to assets | 12.5358% | 1,907 |
| Core capital (leverage) ratio | 12.5310% | 1,612 |
| Tier 1 risk-based capital ratio | 26.0543% | 859 |
| Total risk-based capital ratio | 26.5997% | 892 |
| Memoranda: | ||
| Average total assets | $223,605,000 | 2,932 |
| Average earning assets | $217,817,330 | 2,769 |
| Average equity | $28,471,670 | 2,377 |
| Average total loans | $134,064,000 | 3,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7697% | 3,437 |
| Cost of funding earning assets | 3.3090% | 263 |
| Net interest margin | 2.4608% | 7,546 |
| Noninterest income to average assets | 0.0308% | 7,924 |
| Noninterest expense to average assets | 1.2992% | 8,075 |
| Loan and lease loss provision to assets | 0.0617% | 6,185 |
| Net operating income to assets | 0.5806% | 4,103 |
| Return on assets (ROA) | 0.5806% | 4,298 |
| Pretax return on assets | 1.0651% | 3,125 |
| Return on Equity (ROE) | 4.5235% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.5235% | 3,414 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5527% | 7,266 |
| Assets per employee ($millions) | 14.0269% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3969% | 7,945 |
| Loan loss allowance to noncurrent loans | 20.2426% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 3,883 |
| Noncurrent loans to loans | 1.9607% | 3,320 |
| Net loans and leases to total assets | 59.7113% | 5,708 |
| Net loans and leases to deposits | 68.5684% | 6,123 |
| Net loans and leases to core deposits | 109.2764% | 3,529 |
| Total domestic deposits to total assets | 87.0828% | 2,173 |
| Equity capital to assets | 12.6801% | 1,897 |
| Core capital (leverage) ratio | 12.6762% | 1,616 |
| Tier 1 risk-based capital ratio | 26.1247% | 882 |
| Total risk-based capital ratio | 26.6215% | 916 |
| Memoranda: | ||
| Average total assets | $220,448,500 | 2,981 |
| Average earning assets | $214,568,500 | 2,832 |
| Average equity | $28,296,500 | 2,398 |
| Average total loans | $134,120,000 | 3,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 6,422 |
| Cost of funding earning assets | 3.7475% | 230 |
| Net interest margin | 2.0542% | 8,039 |
| Noninterest income to average assets | 0.0678% | 7,811 |
| Noninterest expense to average assets | 1.0844% | 8,191 |
| Loan and lease loss provision to assets | 0.0488% | 6,801 |
| Net operating income to assets | 0.5811% | 4,391 |
| Return on assets (ROA) | 0.5811% | 4,254 |
| Pretax return on assets | 0.9361% | 3,595 |
| Return on Equity (ROE) | 4.3702% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.3702% | 2,400 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4049% | 7,448 |
| Assets per employee ($millions) | 13.5292% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3882% | 7,998 |
| Loan loss allowance to noncurrent loans | 20.5219% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 3,663 |
| Noncurrent loans to loans | 1.8916% | 2,921 |
| Net loans and leases to total assets | 61.5230% | 5,693 |
| Net loans and leases to deposits | 70.7824% | 6,195 |
| Net loans and leases to core deposits | 108.4777% | 3,909 |
| Total domestic deposits to total assets | 86.9186% | 1,975 |
| Equity capital to assets | 12.9974% | 1,789 |
| Core capital (leverage) ratio | 12.9938% | 1,543 |
| Tier 1 risk-based capital ratio | 26.3148% | 874 |
| Total risk-based capital ratio | 26.8079% | 919 |
| Memoranda: | ||
| Average total assets | $210,988,000 | 2,997 |
| Average earning assets | $205,574,800 | 2,828 |
| Average equity | $28,053,800 | 2,408 |
| Average total loans | $128,397,400 | 3,296 |