Home > South Atlantic Bank > Performance and Condition Ratios
South Atlantic Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 2,168 |
| Cost of funding earning assets | 1.8583% | 1,148 |
| Net interest margin | 3.0948% | 3,105 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1842% | 3,173 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7532% | 3,038 |
| Return on assets (ROA) | 0.7533% | 3,013 |
| Pretax return on assets | 0.9552% | 2,798 |
| Return on Equity (ROE) | 9.9700% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.9719% | 1,023 |
| Net charge-offs to loans | 0.0003% | 2,904 |
| Credit loss provision to net charge-offs | 25,166.6667% | 13 |
| Earnings coverage of net charge-offs (x) | 5,071.3333% | 14 |
| Efficiency ratio | 68.4893% | 2,055 |
| Assets per employee ($millions) | 9.9233% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 3,651 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.3400% | 1,541 |
| Net loans and leases to deposits | 89.9166% | 1,272 |
| Net loans and leases to core deposits | 95.5777% | 1,679 |
| Total domestic deposits to total assets | 80.4500% | 3,389 |
| Equity capital to assets | 7.6074% | 3,657 |
| Core capital (leverage) ratio | 8.8396% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2262% | 2,517 |
| Memoranda: | ||
| Average total assets | $1,513,955,400 | 713 |
| Average earning assets | $1,406,697,400 | 699 |
| Average equity | $114,371,800 | 862 |
| Average total loans | $1,091,351,600 | 685 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 2,159 |
| Cost of funding earning assets | 1.7010% | 1,183 |
| Net interest margin | 3.1503% | 3,026 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.2297% | 2,996 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8003% | 3,023 |
| Return on assets (ROA) | 0.8005% | 3,021 |
| Pretax return on assets | 0.9901% | 2,883 |
| Return on Equity (ROE) | 10.6200% | 2,476 |
| Retained earnings to average equity (ytd only) | 10.6163% | 1,238 |
| Net charge-offs to loans | 0.0004% | 2,653 |
| Credit loss provision to net charge-offs | 11,833.3333% | 40 |
| Earnings coverage of net charge-offs (x) | 3,800.6667% | 21 |
| Efficiency ratio | 68.5783% | 1,953 |
| Assets per employee ($millions) | 9.3830% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,656 |
| Loan loss allowance to noncurrent loans | 6,707.0513% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,755 |
| Noncurrent loans to loans | 0.0137% | 3,694 |
| Net loans and leases to total assets | 72.6200% | 1,507 |
| Net loans and leases to deposits | 85.7763% | 1,596 |
| Net loans and leases to core deposits | 91.1191% | 1,851 |
| Total domestic deposits to total assets | 84.6700% | 2,608 |
| Equity capital to assets | 7.5043% | 3,348 |
| Core capital (leverage) ratio | 8.8998% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8345% | 2,330 |
| Memoranda: | ||
| Average total assets | $1,488,068,250 | 726 |
| Average earning assets | $1,382,232,500 | 709 |
| Average equity | $112,202,250 | 869 |
| Average total loans | $1,068,956,500 | 692 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 2,175 |
| Cost of funding earning assets | 1.4857% | 1,267 |
| Net interest margin | 3.2312% | 2,907 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2237% | 3,004 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8622% | 2,880 |
| Return on assets (ROA) | 0.8625% | 2,882 |
| Pretax return on assets | 1.0719% | 2,717 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.4199% | 1,096 |
| Net charge-offs to loans | 0.0008% | 2,409 |
| Credit loss provision to net charge-offs | 8,875.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 2,055.0000% | 66 |
| Efficiency ratio | 66.5064% | 2,174 |
| Assets per employee ($millions) | 8.9549% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 3,585 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.1100% | 1,623 |
| Net loans and leases to deposits | 84.1977% | 1,654 |
| Net loans and leases to core deposits | 89.7468% | 1,814 |
| Total domestic deposits to total assets | 84.4500% | 2,711 |
| Equity capital to assets | 7.7213% | 3,390 |
| Core capital (leverage) ratio | 9.0038% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9262% | 2,320 |
| Memoranda: | ||
| Average total assets | $1,468,028,000 | 719 |
| Average earning assets | $1,363,830,000 | 706 |
| Average equity | $110,876,333 | 871 |
| Average total loans | $1,047,003,000 | 688 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 2,108 |
| Cost of funding earning assets | 1.1819% | 1,501 |
| Net interest margin | 3.4089% | 2,609 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.2495% | 2,959 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9349% | 2,734 |
| Return on assets (ROA) | 0.9355% | 2,691 |
| Pretax return on assets | 1.1746% | 2,498 |
| Return on Equity (ROE) | 12.5300% | 2,093 |
| Retained earnings to average equity (ytd only) | 12.5346% | 1,171 |
| Net charge-offs to loans | 0.0020% | 1,965 |
| Credit loss provision to net charge-offs | 3,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 880.6000% | 121 |
| Efficiency ratio | 64.7929% | 2,357 |
| Assets per employee ($millions) | 8.9924% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,588 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.3300% | 1,588 |
| Net loans and leases to deposits | 82.0091% | 1,653 |
| Net loans and leases to core deposits | 88.6355% | 1,695 |
| Total domestic deposits to total assets | 85.7600% | 2,662 |
| Equity capital to assets | 7.7975% | 3,384 |
| Core capital (leverage) ratio | 9.1301% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0525% | 2,370 |
| Memoranda: | ||
| Average total assets | $1,440,873,000 | 741 |
| Average earning assets | $1,341,536,500 | 732 |
| Average equity | $107,542,500 | 899 |
| Average total loans | $1,024,013,500 | 710 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 2,002 |
| Cost of funding earning assets | 0.2474% | 3,347 |
| Net interest margin | 3.6454% | 1,504 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.3752% | 2,494 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0299% | 2,460 |
| Return on assets (ROA) | 1.0048% | 2,494 |
| Pretax return on assets | 1.2568% | 2,256 |
| Return on Equity (ROE) | 13.4400% | 1,672 |
| Retained earnings to average equity (ytd only) | 13.4422% | 459 |
| Net charge-offs to loans | -0.0002% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3611% | 2,714 |
| Assets per employee ($millions) | 8.9050% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,303 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.3900% | 1,601 |
| Net loans and leases to deposits | 80.1120% | 1,762 |
| Net loans and leases to core deposits | 86.0671% | 1,745 |
| Total domestic deposits to total assets | 87.8700% | 2,115 |
| Equity capital to assets | 7.1138% | 3,611 |
| Core capital (leverage) ratio | 8.5577% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1201% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,339,723,600 | 765 |
| Average earning assets | $1,251,050,800 | 758 |
| Average equity | $100,147,000 | 945 |
| Average total loans | $869,475,400 | 770 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 1,965 |
| Cost of funding earning assets | 0.1701% | 3,627 |
| Net interest margin | 3.5538% | 1,511 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.4676% | 2,102 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9886% | 2,514 |
| Return on assets (ROA) | 0.9431% | 2,656 |
| Pretax return on assets | 1.1328% | 2,619 |
| Return on Equity (ROE) | 12.4600% | 1,886 |
| Retained earnings to average equity (ytd only) | 12.4556% | 704 |
| Net charge-offs to loans | -0.0002% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.6073% | 2,331 |
| Assets per employee ($millions) | 9.0139% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,599 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.3500% | 1,634 |
| Net loans and leases to deposits | 74.5755% | 1,995 |
| Net loans and leases to core deposits | 77.8973% | 2,046 |
| Total domestic deposits to total assets | 91.6600% | 988 |
| Equity capital to assets | 7.1049% | 3,456 |
| Core capital (leverage) ratio | 8.3274% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0102% | 2,812 |
| Memoranda: | ||
| Average total assets | $1,322,907,500 | 781 |
| Average earning assets | $1,235,849,500 | 777 |
| Average equity | $100,161,000 | 955 |
| Average total loans | $836,706,750 | 795 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 2,152 |
| Cost of funding earning assets | 0.1599% | 3,447 |
| Net interest margin | 3.3379% | 1,795 |
| Noninterest income to average assets | 0.5067% | 2,164 |
| Noninterest expense to average assets | 2.4675% | 2,032 |
| Loan and lease loss provision to assets | 0.0612% | 1,498 |
| Net operating income to assets | 0.9191% | 2,497 |
| Return on assets (ROA) | 0.8349% | 2,808 |
| Pretax return on assets | 0.9927% | 2,760 |
| Return on Equity (ROE) | 10.7953% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.7953% | 825 |
| Net charge-offs to loans | -0.0002% | 2,968 |
| Credit loss provision to net charge-offs | -40,000.0000% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1327% | 2,222 |
| Assets per employee ($millions) | 9.1517% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.7222% | 2,043 |
| Net loans and leases to deposits | 68.2410% | 2,370 |
| Net loans and leases to core deposits | 70.9856% | 2,417 |
| Total domestic deposits to total assets | 91.9128% | 874 |
| Equity capital to assets | 7.0552% | 3,739 |
| Core capital (leverage) ratio | 8.3729% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6324% | 2,905 |
| Memoranda: | ||
| Average total assets | $1,307,172,667 | 788 |
| Average earning assets | $1,219,797,667 | 783 |
| Average equity | $101,099,667 | 962 |
| Average total loans | $800,363,667 | 805 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 2,014 |
| Cost of funding earning assets | 0.1577% | 3,404 |
| Net interest margin | 3.2698% | 1,655 |
| Noninterest income to average assets | 0.3335% | 3,101 |
| Noninterest expense to average assets | 2.4530% | 2,008 |
| Loan and lease loss provision to assets | 0.0238% | 1,930 |
| Net operating income to assets | 0.7907% | 2,694 |
| Return on assets (ROA) | 0.7907% | 2,690 |
| Pretax return on assets | 0.9021% | 2,769 |
| Return on Equity (ROE) | 9.7481% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.7481% | 1,087 |
| Net charge-offs to loans | -0.0005% | 2,980 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5984% | 1,900 |
| Assets per employee ($millions) | 8.6184% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.2158% | 2,161 |
| Net loans and leases to deposits | 64.7381% | 2,460 |
| Net loans and leases to core deposits | 67.6483% | 2,482 |
| Total domestic deposits to total assets | 91.4698% | 816 |
| Equity capital to assets | 7.4968% | 3,937 |
| Core capital (leverage) ratio | 8.3465% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5338% | 2,764 |
| Memoranda: | ||
| Average total assets | $1,260,650,500 | 821 |
| Average earning assets | $1,174,156,000 | 819 |
| Average equity | $102,255,500 | 975 |
| Average total loans | $757,142,000 | 824 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 2,099 |
| Cost of funding earning assets | 0.2098% | 3,369 |
| Net interest margin | 3.4958% | 1,750 |
| Noninterest income to average assets | 0.7837% | 1,494 |
| Noninterest expense to average assets | 2.7212% | 1,569 |
| Loan and lease loss provision to assets | 0.1202% | 1,033 |
| Net operating income to assets | 0.9495% | 2,869 |
| Return on assets (ROA) | 1.0260% | 2,643 |
| Pretax return on assets | 1.2915% | 2,384 |
| Return on Equity (ROE) | 11.9496% | 1,835 |
| Retained earnings to average equity (ytd only) | 11.9496% | 537 |
| Net charge-offs to loans | -0.0015% | 3,324 |
| Credit loss provision to net charge-offs | -12,036.3636% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4216% | 2,067 |
| Assets per employee ($millions) | 8.1902% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,346 |
| Loan loss allowance to noncurrent loans | 10,878.6667% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,109 |
| Noncurrent loans to loans | 0.0101% | 4,023 |
| Net loans and leases to total assets | 59.6131% | 2,197 |
| Net loans and leases to deposits | 66.0792% | 2,505 |
| Net loans and leases to core deposits | 69.0295% | 2,547 |
| Total domestic deposits to total assets | 90.2147% | 861 |
| Equity capital to assets | 8.7580% | 3,839 |
| Core capital (leverage) ratio | 8.3778% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9899% | 2,636 |
| Memoranda: | ||
| Average total assets | $1,101,677,400 | 888 |
| Average earning assets | $1,024,979,200 | 887 |
| Average equity | $94,589,200 | 1,057 |
| Average total loans | $721,889,600 | 854 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 2,025 |
| Cost of funding earning assets | 0.2214% | 3,410 |
| Net interest margin | 3.5729% | 1,666 |
| Noninterest income to average assets | 0.8373% | 1,422 |
| Noninterest expense to average assets | 2.7906% | 1,366 |
| Loan and lease loss provision to assets | 0.0961% | 1,244 |
| Net operating income to assets | 1.0086% | 2,876 |
| Return on assets (ROA) | 1.1143% | 2,551 |
| Pretax return on assets | 1.3994% | 2,333 |
| Return on Equity (ROE) | 13.0531% | 1,680 |
| Retained earnings to average equity (ytd only) | 13.0531% | 628 |
| Net charge-offs to loans | -0.0020% | 3,222 |
| Credit loss provision to net charge-offs | -7,009.0909% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1786% | 1,943 |
| Assets per employee ($millions) | 7.7926% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,578 |
| Loan loss allowance to noncurrent loans | 10,141.3333% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,214 |
| Noncurrent loans to loans | 0.0105% | 4,131 |
| Net loans and leases to total assets | 60.5803% | 2,186 |
| Net loans and leases to deposits | 66.9556% | 2,548 |
| Net loans and leases to core deposits | 70.4310% | 2,558 |
| Total domestic deposits to total assets | 90.4783% | 573 |
| Equity capital to assets | 8.3223% | 4,323 |
| Core capital (leverage) ratio | 7.6299% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2728% | 2,913 |
| Memoranda: | ||
| Average total assets | $1,069,963,000 | 918 |
| Average earning assets | $993,220,500 | 920 |
| Average equity | $91,337,750 | 1,101 |
| Average total loans | $717,230,250 | 876 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 1,794 |
| Cost of funding earning assets | 0.2352% | 3,430 |
| Net interest margin | 3.6722% | 1,419 |
| Noninterest income to average assets | 0.9000% | 1,274 |
| Noninterest expense to average assets | 2.8548% | 1,246 |
| Loan and lease loss provision to assets | 0.1270% | 988 |
| Net operating income to assets | 1.0494% | 2,724 |
| Return on assets (ROA) | 1.1999% | 2,263 |
| Pretax return on assets | 1.5150% | 1,972 |
| Return on Equity (ROE) | 13.9260% | 1,432 |
| Retained earnings to average equity (ytd only) | 13.9260% | 557 |
| Net charge-offs to loans | -0.0028% | 3,267 |
| Credit loss provision to net charge-offs | -6,600.0000% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2929% | 2,105 |
| Assets per employee ($millions) | 7.6672% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.6113% | 2,108 |
| Net loans and leases to deposits | 69.1587% | 2,498 |
| Net loans and leases to core deposits | 73.3602% | 2,478 |
| Total domestic deposits to total assets | 90.5328% | 544 |
| Equity capital to assets | 8.3484% | 4,328 |
| Core capital (leverage) ratio | 7.9878% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2699% | 2,905 |
| Memoranda: | ||
| Average total assets | $1,039,583,667 | 939 |
| Average earning assets | $964,331,333 | 938 |
| Average equity | $89,573,667 | 1,110 |
| Average total loans | $719,305,333 | 877 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 1,328 |
| Cost of funding earning assets | 0.2517% | 3,461 |
| Net interest margin | 3.8766% | 1,022 |
| Noninterest income to average assets | 0.9929% | 1,142 |
| Noninterest expense to average assets | 2.9958% | 1,003 |
| Loan and lease loss provision to assets | 0.1154% | 1,189 |
| Net operating income to assets | 1.1548% | 2,317 |
| Return on assets (ROA) | 1.4714% | 1,456 |
| Pretax return on assets | 1.8673% | 1,161 |
| Return on Equity (ROE) | 16.7755% | 885 |
| Retained earnings to average equity (ytd only) | 16.7755% | 445 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4435% | 2,307 |
| Assets per employee ($millions) | 7.0769% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,859 |
| Loan loss allowance to noncurrent loans | 2,913.5246% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,197 |
| Noncurrent loans to loans | 0.0341% | 4,111 |
| Net loans and leases to total assets | 68.4772% | 1,466 |
| Net loans and leases to deposits | 75.8930% | 1,921 |
| Net loans and leases to core deposits | 81.9310% | 1,842 |
| Total domestic deposits to total assets | 90.2287% | 707 |
| Equity capital to assets | 8.4497% | 4,154 |
| Core capital (leverage) ratio | 8.1784% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4390% | 2,829 |
| Memoranda: | ||
| Average total assets | $988,171,500 | 966 |
| Average earning assets | $913,790,000 | 964 |
| Average equity | $86,674,000 | 1,133 |
| Average total loans | $717,572,500 | 877 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 1,896 |
| Cost of funding earning assets | 0.4546% | 3,257 |
| Net interest margin | 3.8356% | 1,406 |
| Noninterest income to average assets | 0.8001% | 1,529 |
| Noninterest expense to average assets | 3.1656% | 1,119 |
| Loan and lease loss provision to assets | 0.1982% | 1,970 |
| Net operating income to assets | 0.7876% | 3,145 |
| Return on assets (ROA) | 0.8878% | 2,891 |
| Pretax return on assets | 1.0895% | 2,739 |
| Return on Equity (ROE) | 9.5548% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.5548% | 672 |
| Net charge-offs to loans | 0.0150% | 2,816 |
| Credit loss provision to net charge-offs | 1,702.0202% | 499 |
| Earnings coverage of net charge-offs (x) | 99.9495% | 783 |
| Efficiency ratio | 73.1165% | 1,553 |
| Assets per employee ($millions) | 6.8840% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 4,052 |
| Loan loss allowance to noncurrent loans | 3,046.4286% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 4,269 |
| Noncurrent loans to loans | 0.0311% | 4,188 |
| Net loans and leases to total assets | 75.6733% | 824 |
| Net loans and leases to deposits | 84.3904% | 1,416 |
| Net loans and leases to core deposits | 92.4069% | 1,354 |
| Total domestic deposits to total assets | 89.6705% | 688 |
| Equity capital to assets | 9.1233% | 3,952 |
| Core capital (leverage) ratio | 8.0751% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1812% | 2,874 |
| Memoranda: | ||
| Average total assets | $850,149,800 | 1,010 |
| Average earning assets | $782,272,800 | 1,008 |
| Average equity | $78,996,800 | 1,169 |
| Average total loans | $659,149,200 | 909 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 1,996 |
| Cost of funding earning assets | 0.5071% | 3,176 |
| Net interest margin | 3.8312% | 1,534 |
| Noninterest income to average assets | 0.7720% | 1,590 |
| Noninterest expense to average assets | 3.1692% | 1,124 |
| Loan and lease loss provision to assets | 0.1645% | 2,357 |
| Net operating income to assets | 0.7856% | 3,149 |
| Return on assets (ROA) | 0.9128% | 2,776 |
| Pretax return on assets | 1.1153% | 2,695 |
| Return on Equity (ROE) | 9.7725% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.7725% | 812 |
| Net charge-offs to loans | 0.0029% | 3,069 |
| Credit loss provision to net charge-offs | 7,285.7143% | 159 |
| Earnings coverage of net charge-offs (x) | 498.2143% | 231 |
| Efficiency ratio | 73.8077% | 1,425 |
| Assets per employee ($millions) | 6.9029% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,126 |
| Loan loss allowance to noncurrent loans | 1,988.2166% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,288 |
| Noncurrent loans to loans | 0.0444% | 4,207 |
| Net loans and leases to total assets | 75.2877% | 1,192 |
| Net loans and leases to deposits | 83.9388% | 1,919 |
| Net loans and leases to core deposits | 93.1134% | 1,701 |
| Total domestic deposits to total assets | 89.6935% | 527 |
| Equity capital to assets | 9.0135% | 4,111 |
| Core capital (leverage) ratio | 8.0552% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8723% | 2,946 |
| Memoranda: | ||
| Average total assets | $826,909,250 | 1,019 |
| Average earning assets | $760,132,000 | 1,017 |
| Average equity | $77,235,250 | 1,181 |
| Average total loans | $643,809,500 | 921 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,896 |
| Cost of funding earning assets | 0.5934% | 3,001 |
| Net interest margin | 3.9126% | 1,538 |
| Noninterest income to average assets | 0.7178% | 1,675 |
| Noninterest expense to average assets | 3.2026% | 1,151 |
| Loan and lease loss provision to assets | 0.2159% | 1,930 |
| Net operating income to assets | 0.7105% | 3,361 |
| Return on assets (ROA) | 0.9049% | 2,795 |
| Pretax return on assets | 1.1271% | 2,630 |
| Return on Equity (ROE) | 9.5570% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.5570% | 865 |
| Net charge-offs to loans | -0.0026% | 3,862 |
| Credit loss provision to net charge-offs | -10,687.5000% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4321% | 1,423 |
| Assets per employee ($millions) | 6.9209% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,065 |
| Loan loss allowance to noncurrent loans | 1,942.6752% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,378 |
| Noncurrent loans to loans | 0.0455% | 4,302 |
| Net loans and leases to total assets | 74.3335% | 1,369 |
| Net loans and leases to deposits | 82.4531% | 2,156 |
| Net loans and leases to core deposits | 92.5521% | 1,857 |
| Total domestic deposits to total assets | 90.1525% | 361 |
| Equity capital to assets | 8.4675% | 4,495 |
| Core capital (leverage) ratio | 8.1356% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2458% | 3,131 |
| Memoranda: | ||
| Average total assets | $791,914,000 | 1,036 |
| Average earning assets | $725,611,667 | 1,041 |
| Average equity | $74,981,667 | 1,206 |
| Average total loans | $622,464,333 | 938 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 1,325 |
| Cost of funding earning assets | 0.8033% | 2,374 |
| Net interest margin | 4.0395% | 1,288 |
| Noninterest income to average assets | 0.5893% | 2,085 |
| Noninterest expense to average assets | 3.4792% | 966 |
| Loan and lease loss provision to assets | 0.1347% | 2,044 |
| Net operating income to assets | 0.5291% | 3,818 |
| Return on assets (ROA) | 0.7630% | 3,121 |
| Pretax return on assets | 0.9499% | 2,998 |
| Return on Equity (ROE) | 7.5535% | 2,715 |
| Retained earnings to average equity (ytd only) | 7.5535% | 1,362 |
| Net charge-offs to loans | -0.0054% | 3,891 |
| Credit loss provision to net charge-offs | -3,062.5000% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4543% | 1,008 |
| Assets per employee ($millions) | 5.4878% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,054 |
| Loan loss allowance to noncurrent loans | 1,033.8983% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,242 |
| Noncurrent loans to loans | 0.0886% | 4,155 |
| Net loans and leases to total assets | 80.1804% | 677 |
| Net loans and leases to deposits | 91.4016% | 1,353 |
| Net loans and leases to core deposits | 102.7734% | 1,260 |
| Total domestic deposits to total assets | 87.7232% | 1,220 |
| Equity capital to assets | 10.0398% | 3,746 |
| Core capital (leverage) ratio | 8.8684% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7537% | 3,168 |
| Memoranda: | ||
| Average total assets | $727,633,000 | 1,077 |
| Average earning assets | $663,254,000 | 1,086 |
| Average equity | $73,502,000 | 1,222 |
| Average total loans | $588,535,500 | 953 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 1,282 |
| Cost of funding earning assets | 0.8554% | 2,401 |
| Net interest margin | 4.2170% | 1,290 |
| Noninterest income to average assets | 0.6377% | 2,055 |
| Noninterest expense to average assets | 3.3063% | 1,284 |
| Loan and lease loss provision to assets | 0.1172% | 1,803 |
| Net operating income to assets | 0.8861% | 3,267 |
| Return on assets (ROA) | 0.9346% | 3,156 |
| Pretax return on assets | 1.1456% | 3,028 |
| Return on Equity (ROE) | 9.3912% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.3912% | 619 |
| Net charge-offs to loans | -0.0048% | 4,344 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3128% | 1,688 |
| Assets per employee ($millions) | 5.4955% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 3,930 |
| Loan loss allowance to noncurrent loans | 986.2524% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 4,265 |
| Noncurrent loans to loans | 0.0919% | 4,158 |
| Net loans and leases to total assets | 80.1113% | 769 |
| Net loans and leases to deposits | 90.6894% | 1,516 |
| Net loans and leases to core deposits | 103.0525% | 1,306 |
| Total domestic deposits to total assets | 88.3359% | 969 |
| Equity capital to assets | 10.1655% | 3,768 |
| Core capital (leverage) ratio | 9.0744% | 4,465 |
| Tier 1 risk-based capital ratio | 11.0082% | 4,855 |
| Total risk-based capital ratio | 11.9129% | 4,888 |
| Memoranda: | ||
| Average total assets | $691,283,400 | 1,080 |
| Average earning assets | $634,757,000 | 1,089 |
| Average equity | $68,798,200 | 1,234 |
| Average total loans | $557,729,000 | 967 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 1,257 |
| Cost of funding earning assets | 0.8572% | 2,426 |
| Net interest margin | 4.2581% | 1,254 |
| Noninterest income to average assets | 0.6393% | 2,031 |
| Noninterest expense to average assets | 3.3693% | 1,140 |
| Loan and lease loss provision to assets | 0.0963% | 1,986 |
| Net operating income to assets | 0.8754% | 3,428 |
| Return on assets (ROA) | 0.9398% | 3,274 |
| Pretax return on assets | 1.1660% | 3,085 |
| Return on Equity (ROE) | 9.4964% | 2,674 |
| Retained earnings to average equity (ytd only) | 9.4964% | 895 |
| Net charge-offs to loans | -0.0043% | 4,168 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0173% | 1,568 |
| Assets per employee ($millions) | 6.0131% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 4,208 |
| Loan loss allowance to noncurrent loans | 925.4237% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,342 |
| Noncurrent loans to loans | 0.0926% | 4,233 |
| Net loans and leases to total assets | 80.1682% | 825 |
| Net loans and leases to deposits | 90.9793% | 1,571 |
| Net loans and leases to core deposits | 102.4980% | 1,454 |
| Total domestic deposits to total assets | 88.1170% | 988 |
| Equity capital to assets | 10.0524% | 3,967 |
| Core capital (leverage) ratio | 8.7190% | 4,820 |
| Tier 1 risk-based capital ratio | 10.4375% | 5,092 |
| Total risk-based capital ratio | 11.2571% | 5,135 |
| Memoranda: | ||
| Average total assets | $685,500,750 | 1,088 |
| Average earning assets | $629,910,500 | 1,094 |
| Average equity | $67,841,750 | 1,245 |
| Average total loans | $552,770,500 | 976 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 1,319 |
| Cost of funding earning assets | 0.8437% | 2,427 |
| Net interest margin | 4.2164% | 1,323 |
| Noninterest income to average assets | 0.5836% | 2,227 |
| Noninterest expense to average assets | 3.3353% | 1,221 |
| Loan and lease loss provision to assets | 0.0974% | 1,920 |
| Net operating income to assets | 0.8370% | 3,517 |
| Return on assets (ROA) | 0.9205% | 3,267 |
| Pretax return on assets | 1.1327% | 3,143 |
| Return on Equity (ROE) | 9.3521% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.3521% | 946 |
| Net charge-offs to loans | -0.0037% | 4,064 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7420% | 1,549 |
| Assets per employee ($millions) | 6.1466% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 4,281 |
| Loan loss allowance to noncurrent loans | 1,150.4854% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,480 |
| Noncurrent loans to loans | 0.0735% | 4,348 |
| Net loans and leases to total assets | 75.9807% | 1,550 |
| Net loans and leases to deposits | 85.5093% | 2,311 |
| Net loans and leases to core deposits | 96.2360% | 2,040 |
| Total domestic deposits to total assets | 88.8566% | 725 |
| Equity capital to assets | 9.4577% | 4,445 |
| Core capital (leverage) ratio | 8.7596% | 4,800 |
| Tier 1 risk-based capital ratio | 9.9815% | 5,230 |
| Total risk-based capital ratio | 10.7598% | 5,258 |
| Memoranda: | ||
| Average total assets | $677,487,000 | 1,102 |
| Average earning assets | $623,233,330 | 1,110 |
| Average equity | $66,680,330 | 1,261 |
| Average total loans | $545,780,330 | 992 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 1,212 |
| Cost of funding earning assets | 0.7883% | 2,601 |
| Net interest margin | 4.2627% | 1,165 |
| Noninterest income to average assets | 0.5313% | 2,378 |
| Noninterest expense to average assets | 3.3875% | 1,132 |
| Loan and lease loss provision to assets | 0.1015% | 1,730 |
| Net operating income to assets | 0.8068% | 3,595 |
| Return on assets (ROA) | 0.8068% | 3,634 |
| Pretax return on assets | 0.9691% | 3,546 |
| Return on Equity (ROE) | 8.0206% | 3,254 |
| Retained earnings to average equity (ytd only) | 8.0206% | 1,651 |
| Net charge-offs to loans | -0.0082% | 4,152 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9862% | 1,498 |
| Assets per employee ($millions) | 5.6762% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 4,408 |
| Loan loss allowance to noncurrent loans | 824.5045% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,392 |
| Noncurrent loans to loans | 0.1012% | 4,286 |
| Net loans and leases to total assets | 80.5514% | 775 |
| Net loans and leases to deposits | 92.3864% | 1,357 |
| Net loans and leases to core deposits | 105.1544% | 1,231 |
| Total domestic deposits to total assets | 87.1896% | 1,721 |
| Equity capital to assets | 9.8661% | 3,952 |
| Core capital (leverage) ratio | 9.2121% | 4,460 |
| Tier 1 risk-based capital ratio | 10.0573% | 5,276 |
| Total risk-based capital ratio | 10.8387% | 5,308 |
| Memoranda: | ||
| Average total assets | $650,508,500 | 1,154 |
| Average earning assets | $599,251,000 | 1,142 |
| Average equity | $65,431,500 | 1,275 |
| Average total loans | $538,422,500 | 1,004 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 1,218 |
| Cost of funding earning assets | 0.5357% | 3,140 |
| Net interest margin | 4.3883% | 966 |
| Noninterest income to average assets | 0.5976% | 2,306 |
| Noninterest expense to average assets | 3.5492% | 932 |
| Loan and lease loss provision to assets | 0.1218% | 1,809 |
| Net operating income to assets | 0.8010% | 3,801 |
| Return on assets (ROA) | 0.8010% | 3,805 |
| Pretax return on assets | 0.9949% | 3,623 |
| Return on Equity (ROE) | 8.3924% | 3,272 |
| Retained earnings to average equity (ytd only) | 8.3924% | 1,085 |
| Net charge-offs to loans | 0.0120% | 3,276 |
| Credit loss provision to net charge-offs | 1,224.1379% | 327 |
| Earnings coverage of net charge-offs (x) | 112.2759% | 681 |
| Efficiency ratio | 76.0667% | 1,350 |
| Assets per employee ($millions) | 5.3078% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 4,427 |
| Loan loss allowance to noncurrent loans | 785.7143% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,371 |
| Noncurrent loans to loans | 0.1060% | 4,258 |
| Net loans and leases to total assets | 83.6274% | 448 |
| Net loans and leases to deposits | 96.3642% | 1,037 |
| Net loans and leases to core deposits | 108.3255% | 1,099 |
| Total domestic deposits to total assets | 86.7827% | 1,883 |
| Equity capital to assets | 10.3419% | 3,333 |
| Core capital (leverage) ratio | 9.3580% | 4,291 |
| Tier 1 risk-based capital ratio | 11.2548% | 4,835 |
| Total risk-based capital ratio | 12.1194% | 4,922 |
| Memoranda: | ||
| Average total assets | $583,146,400 | 1,234 |
| Average earning assets | $540,615,000 | 1,232 |
| Average equity | $55,657,200 | 1,403 |
| Average total loans | $482,004,000 | 1,084 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,269 |
| Cost of funding earning assets | 0.4937% | 3,238 |
| Net interest margin | 4.3682% | 970 |
| Noninterest income to average assets | 0.6180% | 2,224 |
| Noninterest expense to average assets | 3.6478% | 798 |
| Loan and lease loss provision to assets | 0.0757% | 2,447 |
| Net operating income to assets | 0.7708% | 4,007 |
| Return on assets (ROA) | 0.7708% | 4,017 |
| Pretax return on assets | 0.9483% | 3,884 |
| Return on Equity (ROE) | 8.2653% | 3,432 |
| Retained earnings to average equity (ytd only) | 8.2653% | 1,528 |
| Net charge-offs to loans | -0.0065% | 4,287 |
| Credit loss provision to net charge-offs | -1,413.0435% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0803% | 1,115 |
| Assets per employee ($millions) | 5.3219% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 4,614 |
| Loan loss allowance to noncurrent loans | 2,947.4820% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,876 |
| Noncurrent loans to loans | 0.0272% | 4,771 |
| Net loans and leases to total assets | 82.7528% | 594 |
| Net loans and leases to deposits | 93.7193% | 1,407 |
| Net loans and leases to core deposits | 101.4137% | 1,658 |
| Total domestic deposits to total assets | 88.2986% | 1,122 |
| Equity capital to assets | 10.2467% | 3,405 |
| Core capital (leverage) ratio | 9.0644% | 4,645 |
| Tier 1 risk-based capital ratio | 11.2769% | 4,912 |
| Total risk-based capital ratio | 12.1038% | 5,010 |
| Memoranda: | ||
| Average total assets | $572,354,000 | 1,249 |
| Average earning assets | $531,162,250 | 1,249 |
| Average equity | $53,378,250 | 1,446 |
| Average total loans | $470,462,000 | 1,108 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,415 |
| Cost of funding earning assets | 0.4921% | 3,061 |
| Net interest margin | 4.2439% | 1,179 |
| Noninterest income to average assets | 0.6410% | 2,135 |
| Noninterest expense to average assets | 3.6274% | 842 |
| Loan and lease loss provision to assets | 0.0769% | 2,362 |
| Net operating income to assets | 0.7558% | 4,013 |
| Return on assets (ROA) | 0.7558% | 4,012 |
| Pretax return on assets | 0.8853% | 4,004 |
| Return on Equity (ROE) | 8.4071% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.4071% | 1,443 |
| Net charge-offs to loans | -0.0057% | 4,135 |
| Credit loss provision to net charge-offs | -1,653.8462% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0351% | 1,113 |
| Assets per employee ($millions) | 5.3746% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.8784% | 1,042 |
| Net loans and leases to deposits | 89.0204% | 1,978 |
| Net loans and leases to core deposits | 95.6345% | 2,093 |
| Total domestic deposits to total assets | 89.7304% | 657 |
| Equity capital to assets | 9.7872% | 3,832 |
| Core capital (leverage) ratio | 8.8290% | 4,860 |
| Tier 1 risk-based capital ratio | 10.9150% | 5,102 |
| Total risk-based capital ratio | 11.7122% | 5,184 |
| Memoranda: | ||
| Average total assets | $559,134,000 | 1,272 |
| Average earning assets | $520,224,330 | 1,272 |
| Average equity | $50,267,330 | 1,513 |
| Average total loans | $457,097,330 | 1,133 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,000 |
| Cost of funding earning assets | 0.4835% | 2,923 |
| Net interest margin | 3.9743% | 1,801 |
| Noninterest income to average assets | 0.5943% | 2,289 |
| Noninterest expense to average assets | 3.5506% | 924 |
| Loan and lease loss provision to assets | 0.0383% | 2,983 |
| Net operating income to assets | 0.6603% | 4,242 |
| Return on assets (ROA) | 0.6603% | 4,249 |
| Pretax return on assets | 0.7186% | 4,389 |
| Return on Equity (ROE) | 7.7628% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.7628% | 1,935 |
| Net charge-offs to loans | -0.0037% | 3,918 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4283% | 909 |
| Assets per employee ($millions) | 5.5619% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 4,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 80.1583% | 913 |
| Net loans and leases to deposits | 87.7459% | 1,963 |
| Net loans and leases to core deposits | 99.1453% | 1,753 |
| Total domestic deposits to total assets | 91.3528% | 216 |
| Equity capital to assets | 8.4069% | 5,041 |
| Core capital (leverage) ratio | 8.6419% | 5,026 |
| Tier 1 risk-based capital ratio | 10.6233% | 5,309 |
| Total risk-based capital ratio | 11.5234% | 5,347 |
| Memoranda: | ||
| Average total assets | $521,598,500 | 1,369 |
| Average earning assets | $487,328,500 | 1,357 |
| Average equity | $44,365,500 | 1,697 |
| Average total loans | $430,361,000 | 1,190 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,027 |
| Cost of funding earning assets | 0.3700% | 3,518 |
| Net interest margin | 4.0282% | 1,665 |
| Noninterest income to average assets | 0.6358% | 2,271 |
| Noninterest expense to average assets | 3.3635% | 1,265 |
| Loan and lease loss provision to assets | 0.1857% | 1,146 |
| Net operating income to assets | 0.6419% | 3,844 |
| Return on assets (ROA) | 0.6328% | 3,918 |
| Pretax return on assets | 0.8134% | 4,211 |
| Return on Equity (ROE) | 7.6999% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.6999% | 857 |
| Net charge-offs to loans | 0.1682% | 1,466 |
| Credit loss provision to net charge-offs | 132.4168% | 1,994 |
| Earnings coverage of net charge-offs (x) | 7.2084% | 3,073 |
| Efficiency ratio | 76.8917% | 1,499 |
| Assets per employee ($millions) | 5.4768% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,611 |
| Loan loss allowance to noncurrent loans | 11,360.6061% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,154 |
| Noncurrent loans to loans | 0.0076% | 5,023 |
| Net loans and leases to total assets | 83.4529% | 503 |
| Net loans and leases to deposits | 94.5620% | 1,210 |
| Net loans and leases to core deposits | 106.9614% | 1,215 |
| Total domestic deposits to total assets | 88.2520% | 1,374 |
| Equity capital to assets | 8.6071% | 5,034 |
| Core capital (leverage) ratio | 8.5658% | 5,077 |
| Tier 1 risk-based capital ratio | 10.5901% | 5,336 |
| Total risk-based capital ratio | 11.4923% | 5,390 |
| Memoranda: | ||
| Average total assets | $492,755,600 | 1,421 |
| Average earning assets | $457,327,400 | 1,421 |
| Average equity | $40,493,800 | 1,846 |
| Average total loans | $410,748,800 | 1,208 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,086 |
| Cost of funding earning assets | 0.3602% | 3,564 |
| Net interest margin | 3.9972% | 1,713 |
| Noninterest income to average assets | 0.6359% | 2,278 |
| Noninterest expense to average assets | 3.3100% | 1,320 |
| Loan and lease loss provision to assets | 0.1231% | 1,757 |
| Net operating income to assets | 0.6385% | 4,238 |
| Return on assets (ROA) | 0.6420% | 4,277 |
| Pretax return on assets | 0.9126% | 3,993 |
| Return on Equity (ROE) | 7.9109% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.9109% | 1,259 |
| Net charge-offs to loans | 0.2255% | 959 |
| Credit loss provision to net charge-offs | 65.6934% | 2,742 |
| Earnings coverage of net charge-offs (x) | 5.4993% | 3,099 |
| Efficiency ratio | 76.2529% | 1,554 |
| Assets per employee ($millions) | 5.4578% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,962 |
| Loan loss allowance to noncurrent loans | 2,860.0000% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,139 |
| Noncurrent loans to loans | 0.0271% | 5,001 |
| Net loans and leases to total assets | 82.9000% | 560 |
| Net loans and leases to deposits | 91.5500% | 1,617 |
| Net loans and leases to core deposits | 102.5015% | 1,508 |
| Total domestic deposits to total assets | 90.5516% | 311 |
| Equity capital to assets | 8.5938% | 5,227 |
| Core capital (leverage) ratio | 8.3364% | 5,347 |
| Tier 1 risk-based capital ratio | 10.7175% | 5,367 |
| Total risk-based capital ratio | 11.5312% | 5,465 |
| Memoranda: | ||
| Average total assets | $487,239,500 | 1,448 |
| Average earning assets | $451,603,250 | 1,443 |
| Average equity | $39,539,500 | 1,893 |
| Average total loans | $405,090,750 | 1,226 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,209 |
| Cost of funding earning assets | 0.3643% | 3,436 |
| Net interest margin | 3.9109% | 1,891 |
| Noninterest income to average assets | 0.6240% | 2,354 |
| Noninterest expense to average assets | 3.1695% | 1,656 |
| Loan and lease loss provision to assets | 0.1186% | 1,731 |
| Net operating income to assets | 0.7050% | 3,830 |
| Return on assets (ROA) | 0.7106% | 3,866 |
| Pretax return on assets | 0.9628% | 3,716 |
| Return on Equity (ROE) | 8.9420% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.9420% | 861 |
| Net charge-offs to loans | 0.3426% | 588 |
| Credit loss provision to net charge-offs | 41.7277% | 2,629 |
| Earnings coverage of net charge-offs (x) | 3.7775% | 3,003 |
| Efficiency ratio | 74.6910% | 1,900 |
| Assets per employee ($millions) | 5.8586% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 5,111 |
| Loan loss allowance to noncurrent loans | 2,605.8333% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,179 |
| Noncurrent loans to loans | 0.0284% | 5,050 |
| Net loans and leases to total assets | 81.3339% | 768 |
| Net loans and leases to deposits | 88.9986% | 1,865 |
| Net loans and leases to core deposits | 99.4399% | 1,690 |
| Total domestic deposits to total assets | 91.3878% | 144 |
| Equity capital to assets | 8.3253% | 5,397 |
| Core capital (leverage) ratio | 8.4956% | 5,222 |
| Tier 1 risk-based capital ratio | 10.6215% | 5,414 |
| Total risk-based capital ratio | 11.3995% | 5,536 |
| Memoranda: | ||
| Average total assets | $480,460,000 | 1,469 |
| Average earning assets | $444,653,670 | 1,466 |
| Average equity | $38,179,330 | 1,947 |
| Average total loans | $398,764,000 | 1,246 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 2,335 |
| Cost of funding earning assets | 0.3771% | 3,231 |
| Net interest margin | 3.8032% | 2,104 |
| Noninterest income to average assets | 0.5954% | 2,444 |
| Noninterest expense to average assets | 3.1972% | 1,615 |
| Loan and lease loss provision to assets | 0.1037% | 1,841 |
| Net operating income to assets | 0.6135% | 4,095 |
| Return on assets (ROA) | 0.6135% | 4,152 |
| Pretax return on assets | 0.8157% | 4,055 |
| Return on Equity (ROE) | 7.9312% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.9312% | 1,490 |
| Net charge-offs to loans | 0.0031% | 2,863 |
| Credit loss provision to net charge-offs | 4,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 354.6667% | 168 |
| Efficiency ratio | 77.6658% | 1,678 |
| Assets per employee ($millions) | 6.1018% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,756 |
| Loan loss allowance to noncurrent loans | 907.9800% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,940 |
| Noncurrent loans to loans | 0.0990% | 4,794 |
| Net loans and leases to total assets | 83.2313% | 444 |
| Net loans and leases to deposits | 91.9892% | 1,328 |
| Net loans and leases to core deposits | 102.2459% | 1,354 |
| Total domestic deposits to total assets | 90.4794% | 480 |
| Equity capital to assets | 7.5301% | 5,674 |
| Core capital (leverage) ratio | 8.1041% | 5,507 |
| Tier 1 risk-based capital ratio | 9.4618% | 5,774 |
| Total risk-based capital ratio | 10.4007% | 5,796 |
| Memoranda: | ||
| Average total assets | $462,910,500 | 1,523 |
| Average earning assets | $428,582,500 | 1,531 |
| Average equity | $35,808,000 | 2,047 |
| Average total loans | $386,920,500 | 1,286 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 2,626 |
| Cost of funding earning assets | 0.3613% | 3,400 |
| Net interest margin | 3.7989% | 2,322 |
| Noninterest income to average assets | 0.6114% | 2,602 |
| Noninterest expense to average assets | 3.1996% | 1,788 |
| Loan and lease loss provision to assets | 0.1424% | 1,755 |
| Net operating income to assets | 0.5515% | 4,427 |
| Return on assets (ROA) | 0.6077% | 4,290 |
| Pretax return on assets | 0.8400% | 4,048 |
| Return on Equity (ROE) | 7.6576% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.6576% | 974 |
| Net charge-offs to loans | -0.0227% | 5,161 |
| Credit loss provision to net charge-offs | -788.4615% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9628% | 1,696 |
| Assets per employee ($millions) | 5.6175% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,550 |
| Loan loss allowance to noncurrent loans | 876.6169% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,970 |
| Noncurrent loans to loans | 0.1089% | 4,794 |
| Net loans and leases to total assets | 82.3532% | 558 |
| Net loans and leases to deposits | 95.2844% | 1,069 |
| Net loans and leases to core deposits | 107.3280% | 1,051 |
| Total domestic deposits to total assets | 86.4289% | 2,403 |
| Equity capital to assets | 7.9584% | 5,583 |
| Core capital (leverage) ratio | 8.2390% | 5,484 |
| Tier 1 risk-based capital ratio | 10.0551% | 5,725 |
| Total risk-based capital ratio | 11.0358% | 5,758 |
| Memoranda: | ||
| Average total assets | $431,766,400 | 1,573 |
| Average earning assets | $396,952,400 | 1,583 |
| Average equity | $34,266,400 | 2,121 |
| Average total loans | $343,945,800 | 1,359 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,760 |
| Cost of funding earning assets | 0.3611% | 3,421 |
| Net interest margin | 3.7694% | 2,453 |
| Noninterest income to average assets | 0.6254% | 2,547 |
| Noninterest expense to average assets | 3.1927% | 1,796 |
| Loan and lease loss provision to assets | 0.1539% | 1,513 |
| Net operating income to assets | 0.5448% | 4,511 |
| Return on assets (ROA) | 0.6129% | 4,353 |
| Pretax return on assets | 0.8312% | 4,214 |
| Return on Equity (ROE) | 7.7284% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.7284% | 1,295 |
| Net charge-offs to loans | -0.0316% | 5,183 |
| Credit loss provision to net charge-offs | -618.7500% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1414% | 1,673 |
| Assets per employee ($millions) | 5.6644% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 4,659 |
| Loan loss allowance to noncurrent loans | 660.0775% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,954 |
| Noncurrent loans to loans | 0.1440% | 4,764 |
| Net loans and leases to total assets | 81.3658% | 708 |
| Net loans and leases to deposits | 89.1027% | 1,875 |
| Net loans and leases to core deposits | 99.8795% | 1,647 |
| Total domestic deposits to total assets | 91.3168% | 140 |
| Equity capital to assets | 8.3067% | 5,619 |
| Core capital (leverage) ratio | 7.7567% | 5,775 |
| Tier 1 risk-based capital ratio | 10.1978% | 5,738 |
| Total risk-based capital ratio | 11.1829% | 5,770 |
| Memoranda: | ||
| Average total assets | $428,763,000 | 1,582 |
| Average earning assets | $393,614,000 | 1,597 |
| Average equity | $34,003,500 | 2,147 |
| Average total loans | $337,684,500 | 1,387 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 2,915 |
| Cost of funding earning assets | 0.3533% | 3,525 |
| Net interest margin | 3.7329% | 2,576 |
| Noninterest income to average assets | 0.5747% | 2,762 |
| Noninterest expense to average assets | 3.1490% | 1,931 |
| Loan and lease loss provision to assets | 0.1501% | 1,528 |
| Net operating income to assets | 0.5113% | 4,635 |
| Return on assets (ROA) | 0.5405% | 4,627 |
| Pretax return on assets | 0.7352% | 4,513 |
| Return on Equity (ROE) | 6.9270% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.9270% | 1,642 |
| Net charge-offs to loans | -0.0139% | 4,805 |
| Credit loss provision to net charge-offs | -1,391.3043% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8256% | 1,673 |
| Assets per employee ($millions) | 6.2451% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,923 |
| Loan loss allowance to noncurrent loans | 615.1163% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 5,065 |
| Noncurrent loans to loans | 0.1480% | 4,844 |
| Net loans and leases to total assets | 74.7400% | 1,696 |
| Net loans and leases to deposits | 81.2218% | 2,789 |
| Net loans and leases to core deposits | 91.6647% | 2,372 |
| Total domestic deposits to total assets | 92.0196% | 81 |
| Equity capital to assets | 7.7635% | 5,868 |
| Core capital (leverage) ratio | 8.0610% | 5,692 |
| Tier 1 risk-based capital ratio | 10.0565% | 5,836 |
| Total risk-based capital ratio | 10.9813% | 5,881 |
| Memoranda: | ||
| Average total assets | $426,299,000 | 1,589 |
| Average earning assets | $390,577,000 | 1,608 |
| Average equity | $33,261,330 | 2,187 |
| Average total loans | $330,817,000 | 1,413 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,493 |
| Cost of funding earning assets | 0.3433% | 3,678 |
| Net interest margin | 3.8515% | 2,098 |
| Noninterest income to average assets | 0.5387% | 2,877 |
| Noninterest expense to average assets | 3.2587% | 1,698 |
| Loan and lease loss provision to assets | 0.1469% | 1,436 |
| Net operating income to assets | 0.4720% | 4,732 |
| Return on assets (ROA) | 0.4956% | 4,741 |
| Pretax return on assets | 0.6817% | 4,584 |
| Return on Equity (ROE) | 6.3343% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.3343% | 2,215 |
| Net charge-offs to loans | -0.0211% | 4,889 |
| Credit loss provision to net charge-offs | -882.3529% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3623% | 1,564 |
| Assets per employee ($millions) | 5.7172% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,034 |
| Loan loss allowance to noncurrent loans | 745.7711% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 5,191 |
| Noncurrent loans to loans | 0.1219% | 4,985 |
| Net loans and leases to total assets | 78.3249% | 1,060 |
| Net loans and leases to deposits | 89.2804% | 1,663 |
| Net loans and leases to core deposits | 100.3278% | 1,457 |
| Total domestic deposits to total assets | 87.7291% | 1,793 |
| Equity capital to assets | 7.7594% | 5,892 |
| Core capital (leverage) ratio | 8.0399% | 5,749 |
| Tier 1 risk-based capital ratio | 9.8252% | 5,942 |
| Total risk-based capital ratio | 10.7488% | 5,988 |
| Memoranda: | ||
| Average total assets | $408,381,500 | 1,653 |
| Average earning assets | $372,845,000 | 1,670 |
| Average equity | $31,953,000 | 2,250 |
| Average total loans | $321,939,000 | 1,438 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 2,991 |
| Cost of funding earning assets | 0.3315% | 3,889 |
| Net interest margin | 3.7504% | 2,553 |
| Noninterest income to average assets | 0.6043% | 2,695 |
| Noninterest expense to average assets | 3.2283% | 1,893 |
| Loan and lease loss provision to assets | 0.0611% | 3,081 |
| Net operating income to assets | 0.5526% | 4,484 |
| Return on assets (ROA) | 0.6043% | 4,348 |
| Pretax return on assets | 0.8398% | 4,067 |
| Return on Equity (ROE) | 7.5654% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.5654% | 1,076 |
| Net charge-offs to loans | 0.0085% | 4,160 |
| Credit loss provision to net charge-offs | 958.3333% | 361 |
| Earnings coverage of net charge-offs (x) | 129.9583% | 467 |
| Efficiency ratio | 79.5636% | 1,735 |
| Assets per employee ($millions) | 5.4714% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 5,079 |
| Loan loss allowance to noncurrent loans | 704.2289% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 5,204 |
| Noncurrent loans to loans | 0.1280% | 4,982 |
| Net loans and leases to total assets | 77.9044% | 1,134 |
| Net loans and leases to deposits | 91.3352% | 1,470 |
| Net loans and leases to core deposits | 101.6969% | 1,384 |
| Total domestic deposits to total assets | 85.2950% | 2,952 |
| Equity capital to assets | 7.8922% | 5,890 |
| Core capital (leverage) ratio | 8.1372% | 5,748 |
| Tier 1 risk-based capital ratio | 13.2922% | 4,107 |
| Total risk-based capital ratio | 14.4870% | 4,083 |
| Memoranda: | ||
| Average total assets | $376,139,000 | 1,745 |
| Average earning assets | $346,333,200 | 1,756 |
| Average equity | $30,044,800 | 2,316 |
| Average total loans | $282,240,400 | 1,543 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,083 |
| Cost of funding earning assets | 0.3308% | 3,981 |
| Net interest margin | 3.7337% | 2,633 |
| Noninterest income to average assets | 0.5919% | 2,792 |
| Noninterest expense to average assets | 3.2666% | 1,786 |
| Loan and lease loss provision to assets | 0.0594% | 2,996 |
| Net operating income to assets | 0.5303% | 4,677 |
| Return on assets (ROA) | 0.5930% | 4,520 |
| Pretax return on assets | 0.7950% | 4,355 |
| Return on Equity (ROE) | 7.3999% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.3999% | 1,500 |
| Net charge-offs to loans | -0.0262% | 5,296 |
| Credit loss provision to net charge-offs | -305.5556% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9078% | 1,531 |
| Assets per employee ($millions) | 5.2738% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,817 |
| Loan loss allowance to noncurrent loans | 518.0328% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 5,186 |
| Noncurrent loans to loans | 0.1902% | 4,884 |
| Net loans and leases to total assets | 74.2523% | 1,693 |
| Net loans and leases to deposits | 81.2715% | 2,728 |
| Net loans and leases to core deposits | 90.1699% | 2,449 |
| Total domestic deposits to total assets | 91.3633% | 176 |
| Equity capital to assets | 7.9263% | 5,980 |
| Core capital (leverage) ratio | 7.9129% | 5,941 |
| Tier 1 risk-based capital ratio | 10.7490% | 5,783 |
| Total risk-based capital ratio | 11.7427% | 5,819 |
| Memoranda: | ||
| Average total assets | $370,321,500 | 1,783 |
| Average earning assets | $341,745,750 | 1,791 |
| Average equity | $29,675,500 | 2,354 |
| Average total loans | $274,303,500 | 1,603 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,079 |
| Cost of funding earning assets | 0.3190% | 4,172 |
| Net interest margin | 3.7297% | 2,583 |
| Noninterest income to average assets | 0.5703% | 2,900 |
| Noninterest expense to average assets | 3.2953% | 1,721 |
| Loan and lease loss provision to assets | 0.0903% | 2,312 |
| Net operating income to assets | 0.4701% | 4,891 |
| Return on assets (ROA) | 0.5654% | 4,601 |
| Pretax return on assets | 0.7547% | 4,474 |
| Return on Equity (ROE) | 7.0282% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0282% | 1,698 |
| Net charge-offs to loans | 0.0015% | 3,856 |
| Credit loss provision to net charge-offs | 8,250.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 656.0000% | 95 |
| Efficiency ratio | 82.1083% | 1,476 |
| Assets per employee ($millions) | 5.1095% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,828 |
| Loan loss allowance to noncurrent loans | 591.9321% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,368 |
| Noncurrent loans to loans | 0.1703% | 5,087 |
| Net loans and leases to total assets | 72.4046% | 1,914 |
| Net loans and leases to deposits | 78.7172% | 2,936 |
| Net loans and leases to core deposits | 87.6062% | 2,592 |
| Total domestic deposits to total assets | 91.9806% | 125 |
| Equity capital to assets | 7.7671% | 6,055 |
| Core capital (leverage) ratio | 8.2432% | 5,750 |
| Tier 1 risk-based capital ratio | 11.0689% | 5,677 |
| Total risk-based capital ratio | 12.0941% | 5,713 |
| Memoranda: | ||
| Average total assets | $365,433,330 | 1,811 |
| Average earning assets | $337,346,670 | 1,820 |
| Average equity | $29,395,670 | 2,384 |
| Average total loans | $269,503,000 | 1,630 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 2,969 |
| Cost of funding earning assets | 0.3030% | 4,408 |
| Net interest margin | 3.7624% | 2,383 |
| Noninterest income to average assets | 0.4745% | 3,471 |
| Noninterest expense to average assets | 3.3384% | 1,627 |
| Loan and lease loss provision to assets | 0.1114% | 1,855 |
| Net operating income to assets | 0.3650% | 5,206 |
| Return on assets (ROA) | 0.5536% | 4,575 |
| Pretax return on assets | 0.7552% | 4,406 |
| Return on Equity (ROE) | 6.7597% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.7597% | 2,120 |
| Net charge-offs to loans | -0.0060% | 4,550 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5893% | 1,306 |
| Assets per employee ($millions) | 4.6836% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 4,950 |
| Loan loss allowance to noncurrent loans | 819.5195% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 5,479 |
| Noncurrent loans to loans | 0.1236% | 5,331 |
| Net loans and leases to total assets | 74.8920% | 1,373 |
| Net loans and leases to deposits | 81.8147% | 2,359 |
| Net loans and leases to core deposits | 91.1840% | 2,012 |
| Total domestic deposits to total assets | 91.5385% | 223 |
| Equity capital to assets | 8.2991% | 5,872 |
| Core capital (leverage) ratio | 8.4654% | 5,554 |
| Tier 1 risk-based capital ratio | 11.2857% | 5,672 |
| Total risk-based capital ratio | 12.3194% | 5,696 |
| Memoranda: | ||
| Average total assets | $359,097,000 | 1,845 |
| Average earning assets | $331,388,000 | 1,856 |
| Average equity | $29,409,500 | 2,398 |
| Average total loans | $265,977,500 | 1,650 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 3,160 |
| Cost of funding earning assets | 0.3740% | 3,991 |
| Net interest margin | 3.7679% | 2,741 |
| Noninterest income to average assets | 0.4656% | 3,747 |
| Noninterest expense to average assets | 3.1039% | 2,501 |
| Loan and lease loss provision to assets | 0.1395% | 1,901 |
| Net operating income to assets | 0.5737% | 4,490 |
| Return on assets (ROA) | 0.5928% | 4,488 |
| Pretax return on assets | 0.7223% | 4,546 |
| Return on Equity (ROE) | 7.5862% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.5862% | 1,164 |
| Net charge-offs to loans | 0.1021% | 3,046 |
| Credit loss provision to net charge-offs | 193.8776% | 1,273 |
| Earnings coverage of net charge-offs (x) | 11.6531% | 2,467 |
| Efficiency ratio | 78.7290% | 2,099 |
| Assets per employee ($millions) | 5.3271% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,069 |
| Loan loss allowance to noncurrent loans | 788.2883% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 5,552 |
| Noncurrent loans to loans | 0.1268% | 5,394 |
| Net loans and leases to total assets | 71.7811% | 1,939 |
| Net loans and leases to deposits | 78.7667% | 2,870 |
| Net loans and leases to core deposits | 84.9283% | 2,788 |
| Total domestic deposits to total assets | 91.1313% | 329 |
| Equity capital to assets | 8.0825% | 6,020 |
| Core capital (leverage) ratio | 8.5276% | 5,531 |
| Tier 1 risk-based capital ratio | 10.3782% | 6,150 |
| Total risk-based capital ratio | 11.3042% | 6,193 |
| Memoranda: | ||
| Average total assets | $340,440,400 | 1,913 |
| Average earning assets | $314,155,400 | 1,910 |
| Average equity | $26,601,000 | 2,519 |
| Average total loans | $239,932,000 | 1,763 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 2,971 |
| Cost of funding earning assets | 0.3928% | 3,868 |
| Net interest margin | 3.8124% | 2,566 |
| Noninterest income to average assets | 0.4525% | 3,877 |
| Noninterest expense to average assets | 3.0965% | 2,483 |
| Loan and lease loss provision to assets | 0.1592% | 1,564 |
| Net operating income to assets | 0.5946% | 4,464 |
| Return on assets (ROA) | 0.5926% | 4,566 |
| Pretax return on assets | 0.7100% | 4,673 |
| Return on Equity (ROE) | 7.6558% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.6558% | 1,509 |
| Net charge-offs to loans | 0.0820% | 3,024 |
| Credit loss provision to net charge-offs | 277.7778% | 963 |
| Earnings coverage of net charge-offs (x) | 15.2080% | 2,073 |
| Efficiency ratio | 78.0341% | 2,178 |
| Assets per employee ($millions) | 5.4515% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 4,715 |
| Loan loss allowance to noncurrent loans | 3,313.7500% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 5,777 |
| Noncurrent loans to loans | 0.0334% | 5,896 |
| Net loans and leases to total assets | 70.1062% | 2,179 |
| Net loans and leases to deposits | 76.8305% | 3,089 |
| Net loans and leases to core deposits | 85.9829% | 2,668 |
| Total domestic deposits to total assets | 91.2478% | 294 |
| Equity capital to assets | 8.3684% | 5,895 |
| Core capital (leverage) ratio | 8.1586% | 5,963 |
| Tier 1 risk-based capital ratio | 10.8548% | 6,062 |
| Total risk-based capital ratio | 11.8509% | 6,122 |
| Memoranda: | ||
| Average total assets | $334,990,500 | 1,955 |
| Average earning assets | $308,918,000 | 1,955 |
| Average equity | $25,931,750 | 2,581 |
| Average total loans | $234,253,750 | 1,804 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 3,045 |
| Cost of funding earning assets | 0.4122% | 3,744 |
| Net interest margin | 3.7647% | 2,696 |
| Noninterest income to average assets | 0.3970% | 4,264 |
| Noninterest expense to average assets | 3.0450% | 2,671 |
| Loan and lease loss provision to assets | 0.1946% | 1,258 |
| Net operating income to assets | 0.5340% | 4,675 |
| Return on assets (ROA) | 0.5300% | 4,779 |
| Pretax return on assets | 0.6252% | 4,872 |
| Return on Equity (ROE) | 7.0385% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.0385% | 1,749 |
| Net charge-offs to loans | 0.0792% | 2,902 |
| Credit loss provision to net charge-offs | 353.2609% | 757 |
| Earnings coverage of net charge-offs (x) | 14.9674% | 1,881 |
| Efficiency ratio | 78.6908% | 2,206 |
| Assets per employee ($millions) | 5.7927% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,044 |
| Loan loss allowance to noncurrent loans | 563.9485% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 5,518 |
| Noncurrent loans to loans | 0.1888% | 5,446 |
| Net loans and leases to total assets | 69.1038% | 2,222 |
| Net loans and leases to deposits | 74.8784% | 3,211 |
| Net loans and leases to core deposits | 83.3921% | 2,802 |
| Total domestic deposits to total assets | 92.2880% | 137 |
| Equity capital to assets | 7.4650% | 6,357 |
| Core capital (leverage) ratio | 8.0769% | 6,037 |
| Tier 1 risk-based capital ratio | 10.1354% | 6,352 |
| Total risk-based capital ratio | 11.1013% | 6,408 |
| Memoranda: | ||
| Average total assets | $333,988,670 | 1,956 |
| Average earning assets | $308,068,670 | 1,962 |
| Average equity | $25,147,330 | 2,645 |
| Average total loans | $232,469,330 | 1,808 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 2,853 |
| Cost of funding earning assets | 0.4204% | 3,755 |
| Net interest margin | 3.7859% | 2,525 |
| Noninterest income to average assets | 0.3367% | 4,682 |
| Noninterest expense to average assets | 3.0996% | 2,534 |
| Loan and lease loss provision to assets | 0.1850% | 1,291 |
| Net operating income to assets | 0.4693% | 4,846 |
| Return on assets (ROA) | 0.4650% | 4,940 |
| Pretax return on assets | 0.5353% | 5,063 |
| Return on Equity (ROE) | 6.1471% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.1471% | 2,459 |
| Net charge-offs to loans | -0.0089% | 5,009 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0384% | 2,042 |
| Assets per employee ($millions) | 5.5100% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,133 |
| Loan loss allowance to noncurrent loans | 380.5970% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 5,534 |
| Noncurrent loans to loans | 0.2883% | 5,250 |
| Net loans and leases to total assets | 69.5316% | 1,979 |
| Net loans and leases to deposits | 76.9635% | 2,684 |
| Net loans and leases to core deposits | 85.8783% | 2,330 |
| Total domestic deposits to total assets | 90.3437% | 895 |
| Equity capital to assets | 7.6494% | 6,250 |
| Core capital (leverage) ratio | 8.3634% | 5,789 |
| Tier 1 risk-based capital ratio | 10.5209% | 6,326 |
| Total risk-based capital ratio | 11.5121% | 6,360 |
| Memoranda: | ||
| Average total assets | $324,304,500 | 2,019 |
| Average earning assets | $298,793,500 | 2,019 |
| Average equity | $24,532,000 | 2,692 |
| Average total loans | $225,298,500 | 1,863 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 4,119 |
| Cost of funding earning assets | 0.4637% | 3,980 |
| Net interest margin | 3.5272% | 3,777 |
| Noninterest income to average assets | 0.4780% | 3,904 |
| Noninterest expense to average assets | 2.7998% | 3,722 |
| Loan and lease loss provision to assets | 0.2375% | 1,523 |
| Net operating income to assets | 0.5374% | 4,568 |
| Return on assets (ROA) | 0.5402% | 4,679 |
| Pretax return on assets | 0.6915% | 4,574 |
| Return on Equity (ROE) | 6.8912% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.8912% | 1,480 |
| Net charge-offs to loans | 0.3183% | 2,093 |
| Credit loss provision to net charge-offs | 113.7072% | 2,125 |
| Earnings coverage of net charge-offs (x) | 4.4299% | 3,567 |
| Efficiency ratio | 75.1572% | 2,923 |
| Assets per employee ($millions) | 5.3001% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,164 |
| Loan loss allowance to noncurrent loans | 341.6548% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 5,580 |
| Noncurrent loans to loans | 0.3213% | 5,223 |
| Net loans and leases to total assets | 67.8535% | 2,380 |
| Net loans and leases to deposits | 75.4902% | 3,029 |
| Net loans and leases to core deposits | 85.1085% | 2,552 |
| Total domestic deposits to total assets | 89.8839% | 1,140 |
| Equity capital to assets | 7.4763% | 6,297 |
| Core capital (leverage) ratio | 8.6084% | 5,529 |
| Tier 1 risk-based capital ratio | 10.9140% | 6,209 |
| Total risk-based capital ratio | 11.8933% | 6,270 |
| Memoranda: | ||
| Average total assets | $307,305,200 | 2,099 |
| Average earning assets | $282,917,800 | 2,091 |
| Average equity | $24,088,800 | 2,722 |
| Average total loans | $201,677,600 | 1,989 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 4,301 |
| Cost of funding earning assets | 0.4762% | 4,007 |
| Net interest margin | 3.4786% | 3,973 |
| Noninterest income to average assets | 0.6368% | 2,943 |
| Noninterest expense to average assets | 2.7666% | 3,772 |
| Loan and lease loss provision to assets | 0.2320% | 1,559 |
| Net operating income to assets | 0.5806% | 4,425 |
| Return on assets (ROA) | 0.5966% | 4,487 |
| Pretax return on assets | 0.8649% | 4,027 |
| Return on Equity (ROE) | 7.5196% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.5196% | 1,632 |
| Net charge-offs to loans | 0.2160% | 2,532 |
| Credit loss provision to net charge-offs | 165.6250% | 1,443 |
| Earnings coverage of net charge-offs (x) | 7.6655% | 2,761 |
| Efficiency ratio | 72.0424% | 3,396 |
| Assets per employee ($millions) | 5.1974% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,579 |
| Loan loss allowance to noncurrent loans | 184.7283% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 4,545 |
| Noncurrent loans to loans | 0.6838% | 4,490 |
| Net loans and leases to total assets | 63.0662% | 3,155 |
| Net loans and leases to deposits | 68.5363% | 3,995 |
| Net loans and leases to core deposits | 77.3762% | 3,445 |
| Total domestic deposits to total assets | 92.0187% | 247 |
| Equity capital to assets | 7.6420% | 6,331 |
| Core capital (leverage) ratio | 8.2012% | 6,059 |
| Tier 1 risk-based capital ratio | 11.5261% | 6,048 |
| Total risk-based capital ratio | 12.6248% | 6,083 |
| Memoranda: | ||
| Average total assets | $304,629,750 | 2,125 |
| Average earning assets | $280,531,250 | 2,116 |
| Average equity | $24,167,250 | 2,745 |
| Average total loans | $197,553,500 | 2,018 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 4,283 |
| Cost of funding earning assets | 0.4900% | 3,988 |
| Net interest margin | 3.4623% | 3,953 |
| Noninterest income to average assets | 0.5962% | 3,220 |
| Noninterest expense to average assets | 2.6589% | 4,185 |
| Loan and lease loss provision to assets | 0.2515% | 1,475 |
| Net operating income to assets | 0.5375% | 4,623 |
| Return on assets (ROA) | 0.5790% | 4,581 |
| Pretax return on assets | 0.9397% | 3,747 |
| Return on Equity (ROE) | 7.2078% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.2078% | 1,787 |
| Net charge-offs to loans | 0.3299% | 1,869 |
| Credit loss provision to net charge-offs | 116.9231% | 1,897 |
| Earnings coverage of net charge-offs (x) | 5.2369% | 2,940 |
| Efficiency ratio | 70.2448% | 3,781 |
| Assets per employee ($millions) | 6.5230% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,178 |
| Loan loss allowance to noncurrent loans | 173.7307% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 4,737 |
| Noncurrent loans to loans | 0.6705% | 4,594 |
| Net loans and leases to total assets | 61.4228% | 3,402 |
| Net loans and leases to deposits | 66.3306% | 4,226 |
| Net loans and leases to core deposits | 74.2583% | 3,771 |
| Total domestic deposits to total assets | 92.6010% | 170 |
| Equity capital to assets | 7.1041% | 6,578 |
| Core capital (leverage) ratio | 8.2674% | 5,928 |
| Tier 1 risk-based capital ratio | 10.9507% | 6,356 |
| Total risk-based capital ratio | 11.9631% | 6,416 |
| Memoranda: | ||
| Average total assets | $302,225,670 | 2,151 |
| Average earning assets | $278,371,000 | 2,141 |
| Average equity | $24,279,330 | 2,743 |
| Average total loans | $197,010,330 | 2,034 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 4,049 |
| Cost of funding earning assets | 0.4957% | 4,132 |
| Net interest margin | 3.5209% | 3,616 |
| Noninterest income to average assets | 0.4079% | 4,402 |
| Noninterest expense to average assets | 2.6169% | 4,348 |
| Loan and lease loss provision to assets | 0.2274% | 1,616 |
| Net operating income to assets | 0.4898% | 4,726 |
| Return on assets (ROA) | 0.5154% | 4,731 |
| Pretax return on assets | 0.8434% | 3,986 |
| Return on Equity (ROE) | 6.0240% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.0240% | 2,666 |
| Net charge-offs to loans | 0.1936% | 2,253 |
| Credit loss provision to net charge-offs | 175.5319% | 1,215 |
| Earnings coverage of net charge-offs (x) | 7.9574% | 2,000 |
| Efficiency ratio | 71.7416% | 3,660 |
| Assets per employee ($millions) | 6.5684% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,182 |
| Loan loss allowance to noncurrent loans | 155.1207% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 4,744 |
| Noncurrent loans to loans | 0.7728% | 4,578 |
| Net loans and leases to total assets | 66.3051% | 2,316 |
| Net loans and leases to deposits | 72.5274% | 3,122 |
| Net loans and leases to core deposits | 81.9121% | 2,581 |
| Total domestic deposits to total assets | 91.4208% | 379 |
| Equity capital to assets | 8.4036% | 6,098 |
| Core capital (leverage) ratio | 8.6869% | 5,345 |
| Tier 1 risk-based capital ratio | 11.1734% | 6,331 |
| Total risk-based capital ratio | 12.2297% | 6,386 |
| Memoranda: | ||
| Average total assets | $290,263,000 | 2,250 |
| Average earning assets | $267,088,500 | 2,238 |
| Average equity | $24,834,000 | 2,720 |
| Average total loans | $194,169,500 | 2,074 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 4,208 |
| Cost of funding earning assets | 0.6739% | 3,697 |
| Net interest margin | 3.6212% | 3,997 |
| Noninterest income to average assets | 0.7597% | 2,449 |
| Noninterest expense to average assets | 2.9940% | 3,300 |
| Loan and lease loss provision to assets | 0.5060% | 1,168 |
| Net operating income to assets | 0.8902% | 2,862 |
| Return on assets (ROA) | 1.0363% | 2,383 |
| Pretax return on assets | 0.7175% | 4,608 |
| Return on Equity (ROE) | 11.5964% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.5964% | 364 |
| Net charge-offs to loans | 0.7849% | 1,490 |
| Credit loss provision to net charge-offs | 95.9596% | 3,234 |
| Earnings coverage of net charge-offs (x) | 2.0433% | 4,389 |
| Efficiency ratio | 73.5377% | 3,146 |
| Assets per employee ($millions) | 6.4761% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 5,050 |
| Loan loss allowance to noncurrent loans | 132.1490% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 4,582 |
| Noncurrent loans to loans | 0.9185% | 4,349 |
| Net loans and leases to total assets | 65.8617% | 2,546 |
| Net loans and leases to deposits | 72.2283% | 3,377 |
| Net loans and leases to core deposits | 82.1402% | 2,753 |
| Total domestic deposits to total assets | 91.1855% | 434 |
| Equity capital to assets | 8.7135% | 5,837 |
| Core capital (leverage) ratio | 8.8339% | 5,127 |
| Tier 1 risk-based capital ratio | 11.4724% | 6,125 |
| Total risk-based capital ratio | 12.5400% | 6,187 |
| Memoranda: | ||
| Average total assets | $262,862,000 | 2,407 |
| Average earning assets | $240,388,200 | 2,406 |
| Average equity | $23,490,000 | 2,801 |
| Average total loans | $176,587,600 | 2,243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 4,262 |
| Cost of funding earning assets | 0.7034% | 3,738 |
| Net interest margin | 3.6454% | 4,022 |
| Noninterest income to average assets | 0.4404% | 4,361 |
| Noninterest expense to average assets | 2.8330% | 3,861 |
| Loan and lease loss provision to assets | 0.3471% | 1,884 |
| Net operating income to assets | 0.7279% | 3,780 |
| Return on assets (ROA) | 0.9264% | 3,071 |
| Pretax return on assets | 0.7880% | 4,541 |
| Return on Equity (ROE) | 10.2955% | 2,215 |
| Retained earnings to average equity (ytd only) | 10.2955% | 836 |
| Net charge-offs to loans | 0.6234% | 1,765 |
| Credit loss provision to net charge-offs | 82.7160% | 3,540 |
| Earnings coverage of net charge-offs (x) | 2.2321% | 4,147 |
| Efficiency ratio | 75.1512% | 2,802 |
| Assets per employee ($millions) | 6.4486% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 5,196 |
| Loan loss allowance to noncurrent loans | 105.6586% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9026% | 4,477 |
| Noncurrent loans to loans | 1.1541% | 4,131 |
| Net loans and leases to total assets | 63.4398% | 3,127 |
| Net loans and leases to deposits | 69.4773% | 3,967 |
| Net loans and leases to core deposits | 79.6686% | 3,245 |
| Total domestic deposits to total assets | 91.3100% | 328 |
| Equity capital to assets | 8.4725% | 6,291 |
| Core capital (leverage) ratio | 8.4730% | 5,788 |
| Tier 1 risk-based capital ratio | 11.4322% | 6,263 |
| Total risk-based capital ratio | 12.4975% | 6,350 |
| Memoranda: | ||
| Average total assets | $257,340,000 | 2,484 |
| Average earning assets | $235,032,250 | 2,479 |
| Average equity | $23,155,250 | 2,859 |
| Average total loans | $173,239,750 | 2,309 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 4,599 |
| Cost of funding earning assets | 0.7328% | 3,738 |
| Net interest margin | 3.5607% | 4,415 |
| Noninterest income to average assets | 0.4064% | 4,601 |
| Noninterest expense to average assets | 2.7078% | 4,375 |
| Loan and lease loss provision to assets | 0.3299% | 1,994 |
| Net operating income to assets | 0.8321% | 3,230 |
| Return on assets (ROA) | 1.0002% | 2,686 |
| Pretax return on assets | 0.7781% | 4,549 |
| Return on Equity (ROE) | 10.8747% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.8747% | 765 |
| Net charge-offs to loans | 0.7883% | 1,397 |
| Credit loss provision to net charge-offs | 61.1028% | 3,769 |
| Earnings coverage of net charge-offs (x) | 1.7407% | 4,113 |
| Efficiency ratio | 74.2334% | 3,040 |
| Assets per employee ($millions) | 6.7400% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,208 |
| Loan loss allowance to noncurrent loans | 99.6207% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 4,513 |
| Noncurrent loans to loans | 1.2349% | 4,081 |
| Net loans and leases to total assets | 61.0441% | 3,618 |
| Net loans and leases to deposits | 66.8280% | 4,392 |
| Net loans and leases to core deposits | 77.3834% | 3,602 |
| Total domestic deposits to total assets | 91.3450% | 345 |
| Equity capital to assets | 8.4950% | 6,210 |
| Core capital (leverage) ratio | 8.9435% | 4,990 |
| Tier 1 risk-based capital ratio | 11.9576% | 5,963 |
| Total risk-based capital ratio | 13.0358% | 6,046 |
| Memoranda: | ||
| Average total assets | $248,540,000 | 2,563 |
| Average earning assets | $226,248,000 | 2,572 |
| Average equity | $22,860,330 | 2,870 |
| Average total loans | $170,244,330 | 2,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 3,405 |
| Cost of funding earning assets | 0.7599% | 3,790 |
| Net interest margin | 3.8613% | 3,090 |
| Noninterest income to average assets | 0.3853% | 4,785 |
| Noninterest expense to average assets | 2.7173% | 4,368 |
| Loan and lease loss provision to assets | 0.3921% | 1,612 |
| Net operating income to assets | 0.7624% | 3,563 |
| Return on assets (ROA) | 0.8643% | 3,313 |
| Pretax return on assets | 0.8796% | 4,110 |
| Return on Equity (ROE) | 8.9922% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.9922% | 1,602 |
| Net charge-offs to loans | 0.7437% | 1,374 |
| Credit loss provision to net charge-offs | 72.7848% | 2,863 |
| Earnings coverage of net charge-offs (x) | 2.1677% | 3,292 |
| Efficiency ratio | 69.9430% | 3,821 |
| Assets per employee ($millions) | 6.6549% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,853 |
| Loan loss allowance to noncurrent loans | 142.6065% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 5,159 |
| Noncurrent loans to loans | 0.9371% | 4,795 |
| Net loans and leases to total assets | 70.1361% | 1,731 |
| Net loans and leases to deposits | 77.5687% | 2,584 |
| Net loans and leases to core deposits | 88.2951% | 2,019 |
| Total domestic deposits to total assets | 90.4181% | 856 |
| Equity capital to assets | 9.4742% | 4,847 |
| Core capital (leverage) ratio | 9.6988% | 3,774 |
| Tier 1 risk-based capital ratio | 11.8067% | 6,080 |
| Total risk-based capital ratio | 12.9976% | 6,109 |
| Memoranda: | ||
| Average total assets | $234,641,000 | 2,719 |
| Average earning assets | $212,673,500 | 2,739 |
| Average equity | $22,553,000 | 2,903 |
| Average total loans | $169,972,000 | 2,363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 4,949 |
| Cost of funding earning assets | 1.0232% | 3,215 |
| Net interest margin | 3.5085% | 5,110 |
| Noninterest income to average assets | 0.2957% | 5,414 |
| Noninterest expense to average assets | 2.6175% | 5,025 |
| Loan and lease loss provision to assets | 0.5764% | 1,798 |
| Net operating income to assets | 0.5403% | 4,272 |
| Return on assets (ROA) | 0.6147% | 4,111 |
| Pretax return on assets | 0.4110% | 5,262 |
| Return on Equity (ROE) | 6.5775% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.5775% | 1,706 |
| Net charge-offs to loans | 0.5614% | 2,773 |
| Credit loss provision to net charge-offs | 141.3161% | 2,070 |
| Earnings coverage of net charge-offs (x) | 2.2384% | 4,107 |
| Efficiency ratio | 74.1401% | 3,213 |
| Assets per employee ($millions) | 6.5630% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,496 |
| Loan loss allowance to noncurrent loans | 204.5022% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 5,548 |
| Noncurrent loans to loans | 0.6809% | 5,338 |
| Net loans and leases to total assets | 72.8221% | 1,490 |
| Net loans and leases to deposits | 84.2284% | 1,895 |
| Net loans and leases to core deposits | 93.5789% | 1,742 |
| Total domestic deposits to total assets | 86.4578% | 3,052 |
| Equity capital to assets | 9.7551% | 4,504 |
| Core capital (leverage) ratio | 9.5705% | 3,916 |
| Tier 1 risk-based capital ratio | 11.4462% | 6,195 |
| Total risk-based capital ratio | 12.6719% | 6,198 |
| Memoranda: | ||
| Average total assets | $227,276,600 | 2,760 |
| Average earning assets | $209,548,000 | 2,736 |
| Average equity | $21,239,000 | 2,984 |
| Average total loans | $165,129,800 | 2,424 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 5,233 |
| Cost of funding earning assets | 1.1007% | 2,975 |
| Net interest margin | 3.4069% | 5,549 |
| Noninterest income to average assets | 0.2635% | 5,733 |
| Noninterest expense to average assets | 2.5693% | 5,202 |
| Loan and lease loss provision to assets | 0.3706% | 2,630 |
| Net operating income to assets | 0.4745% | 4,659 |
| Return on assets (ROA) | 0.5759% | 4,379 |
| Pretax return on assets | 0.5829% | 4,873 |
| Return on Equity (ROE) | 6.2315% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.2315% | 2,414 |
| Net charge-offs to loans | 0.1211% | 4,823 |
| Credit loss provision to net charge-offs | 422.8188% | 667 |
| Earnings coverage of net charge-offs (x) | 9.7115% | 2,012 |
| Efficiency ratio | 75.1161% | 2,986 |
| Assets per employee ($millions) | 6.9383% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 4,239 |
| Loan loss allowance to noncurrent loans | 194.0063% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 5,754 |
| Noncurrent loans to loans | 0.7591% | 5,358 |
| Net loans and leases to total assets | 69.7624% | 2,124 |
| Net loans and leases to deposits | 77.1243% | 3,147 |
| Net loans and leases to core deposits | 84.0514% | 3,061 |
| Total domestic deposits to total assets | 90.4545% | 656 |
| Equity capital to assets | 9.3289% | 5,335 |
| Core capital (leverage) ratio | 8.8553% | 5,175 |
| Tier 1 risk-based capital ratio | 11.7192% | 6,087 |
| Total risk-based capital ratio | 12.9703% | 6,088 |
| Memoranda: | ||
| Average total assets | $226,669,500 | 2,774 |
| Average earning assets | $210,037,000 | 2,733 |
| Average equity | $20,946,750 | 3,017 |
| Average total loans | $164,002,750 | 2,455 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 5,306 |
| Cost of funding earning assets | 1.1596% | 2,844 |
| Net interest margin | 3.3569% | 5,691 |
| Noninterest income to average assets | 0.2263% | 6,049 |
| Noninterest expense to average assets | 2.5484% | 5,359 |
| Loan and lease loss provision to assets | 0.3757% | 2,540 |
| Net operating income to assets | 0.2872% | 5,417 |
| Return on assets (ROA) | 0.3158% | 5,444 |
| Pretax return on assets | 0.4472% | 5,239 |
| Return on Equity (ROE) | 3.4283% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.4283% | 4,077 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5038% | 2,935 |
| Assets per employee ($millions) | 7.4771% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 4,261 |
| Loan loss allowance to noncurrent loans | 272.6136% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 6,096 |
| Noncurrent loans to loans | 0.5388% | 5,836 |
| Net loans and leases to total assets | 65.2252% | 3,201 |
| Net loans and leases to deposits | 71.4482% | 4,211 |
| Net loans and leases to core deposits | 78.9100% | 3,945 |
| Total domestic deposits to total assets | 91.2902% | 399 |
| Equity capital to assets | 8.5740% | 6,093 |
| Core capital (leverage) ratio | 9.3072% | 4,243 |
| Tier 1 risk-based capital ratio | 11.7169% | 5,994 |
| Total risk-based capital ratio | 12.9683% | 6,002 |
| Memoranda: | ||
| Average total assets | $223,592,000 | 2,819 |
| Average earning assets | $206,797,330 | 2,797 |
| Average equity | $20,593,330 | 3,052 |
| Average total loans | $162,993,330 | 2,496 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 4,060 |
| Cost of funding earning assets | 1.2543% | 2,475 |
| Net interest margin | 3.5457% | 4,828 |
| Noninterest income to average assets | 0.2132% | 6,209 |
| Noninterest expense to average assets | 2.6338% | 5,102 |
| Loan and lease loss provision to assets | 0.4528% | 1,948 |
| Net operating income to assets | 0.2943% | 5,436 |
| Return on assets (ROA) | 0.2943% | 5,508 |
| Pretax return on assets | 0.3905% | 5,369 |
| Return on Equity (ROE) | 3.0721% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.0721% | 4,322 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7461% | 3,198 |
| Assets per employee ($millions) | 6.4457% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 4,838 |
| Loan loss allowance to noncurrent loans | 426.7308% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 6,480 |
| Noncurrent loans to loans | 0.3195% | 6,354 |
| Net loans and leases to total assets | 73.2486% | 1,471 |
| Net loans and leases to deposits | 82.2137% | 2,326 |
| Net loans and leases to core deposits | 95.4376% | 1,723 |
| Total domestic deposits to total assets | 89.0954% | 1,719 |
| Equity capital to assets | 9.3336% | 4,671 |
| Core capital (leverage) ratio | 9.9387% | 3,212 |
| Tier 1 risk-based capital ratio | 11.6918% | 5,947 |
| Total risk-based capital ratio | 12.9383% | 5,942 |
| Memoranda: | ||
| Average total assets | $212,015,500 | 2,967 |
| Average earning assets | $195,163,500 | 2,942 |
| Average equity | $20,312,000 | 3,070 |
| Average total loans | $162,820,500 | 2,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 6,051 |
| Cost of funding earning assets | 1.6216% | 1,945 |
| Net interest margin | 2.9998% | 6,736 |
| Noninterest income to average assets | 0.2497% | 6,015 |
| Noninterest expense to average assets | 2.8450% | 4,422 |
| Loan and lease loss provision to assets | 0.5477% | 2,947 |
| Net operating income to assets | -0.4000% | 6,311 |
| Return on assets (ROA) | -0.3629% | 6,303 |
| Pretax return on assets | -0.3629% | 6,213 |
| Return on Equity (ROE) | -3.2764% | 6,299 |
| Retained earnings to average equity (ytd only) | -3.2764% | 6,128 |
| Net charge-offs to loans | 0.4527% | 3,805 |
| Credit loss provision to net charge-offs | 158.1288% | 2,223 |
| Earnings coverage of net charge-offs (x) | 0.4264% | 5,682 |
| Efficiency ratio | 95.0648% | 1,006 |
| Assets per employee ($millions) | 6.2084% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 5,442 |
| Loan loss allowance to noncurrent loans | 318.6795% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 6,484 |
| Noncurrent loans to loans | 0.3812% | 6,280 |
| Net loans and leases to total assets | 78.5426% | 870 |
| Net loans and leases to deposits | 89.6982% | 1,566 |
| Net loans and leases to core deposits | 105.2647% | 1,240 |
| Total domestic deposits to total assets | 87.5632% | 2,509 |
| Equity capital to assets | 9.8445% | 3,945 |
| Core capital (leverage) ratio | 10.4315% | 2,633 |
| Tier 1 risk-based capital ratio | 11.6618% | 5,758 |
| Total risk-based capital ratio | 12.7789% | 5,890 |
| Memoranda: | ||
| Average total assets | $188,227,200 | 3,255 |
| Average earning assets | $172,109,400 | 3,244 |
| Average equity | $20,845,800 | 3,031 |
| Average total loans | $144,017,600 | 2,862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 6,291 |
| Cost of funding earning assets | 1.7158% | 1,787 |
| Net interest margin | 2.9002% | 7,004 |
| Noninterest income to average assets | 0.2332% | 6,217 |
| Noninterest expense to average assets | 2.8873% | 4,142 |
| Loan and lease loss provision to assets | 0.4209% | 3,381 |
| Net operating income to assets | -0.4266% | 6,541 |
| Return on assets (ROA) | -0.3977% | 6,558 |
| Pretax return on assets | -0.3977% | 6,488 |
| Return on Equity (ROE) | -3.4831% | 6,536 |
| Retained earnings to average equity (ytd only) | -3.4831% | 6,404 |
| Net charge-offs to loans | 0.0220% | 6,364 |
| Credit loss provision to net charge-offs | 2,526.0870% | 123 |
| Earnings coverage of net charge-offs (x) | -0.3479% | 6,264 |
| Efficiency ratio | 100.2011% | 736 |
| Assets per employee ($millions) | 5.7366% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 77.4256% | 1,142 |
| Net loans and leases to deposits | 86.8740% | 2,168 |
| Net loans and leases to core deposits | 97.6786% | 2,078 |
| Total domestic deposits to total assets | 89.1240% | 1,328 |
| Equity capital to assets | 10.7171% | 3,271 |
| Core capital (leverage) ratio | 10.4912% | 2,699 |
| Tier 1 risk-based capital ratio | 12.5345% | 4,947 |
| Total risk-based capital ratio | 13.7853% | 4,928 |
| Memoranda: | ||
| Average total assets | $184,065,000 | 3,359 |
| Average earning assets | $168,077,500 | 3,358 |
| Average equity | $21,015,000 | 3,048 |
| Average total loans | $139,298,500 | 2,995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 6,599 |
| Cost of funding earning assets | 1.7401% | 1,918 |
| Net interest margin | 2.8066% | 7,134 |
| Noninterest income to average assets | 0.2018% | 6,463 |
| Noninterest expense to average assets | 2.8979% | 4,084 |
| Loan and lease loss provision to assets | 0.4035% | 3,300 |
| Net operating income to assets | -0.5410% | 6,686 |
| Return on assets (ROA) | -0.5144% | 6,702 |
| Pretax return on assets | -0.5144% | 6,602 |
| Return on Equity (ROE) | -4.4081% | 6,648 |
| Retained earnings to average equity (ytd only) | -4.4081% | 6,487 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9799% | 654 |
| Assets per employee ($millions) | 5.7133% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 75.6349% | 1,561 |
| Net loans and leases to deposits | 84.9497% | 2,716 |
| Net loans and leases to core deposits | 95.7222% | 2,477 |
| Total domestic deposits to total assets | 89.0349% | 1,420 |
| Equity capital to assets | 10.7792% | 3,095 |
| Core capital (leverage) ratio | 11.3355% | 2,018 |
| Tier 1 risk-based capital ratio | 12.8598% | 4,557 |
| Total risk-based capital ratio | 14.0694% | 4,549 |
| Memoranda: | ||
| Average total assets | $180,405,330 | 3,438 |
| Average earning assets | $164,469,330 | 3,431 |
| Average equity | $21,052,330 | 3,035 |
| Average total loans | $134,674,000 | 3,107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 6,740 |
| Cost of funding earning assets | 1.7468% | 2,142 |
| Net interest margin | 2.7787% | 7,213 |
| Noninterest income to average assets | 0.1545% | 6,862 |
| Noninterest expense to average assets | 2.9698% | 3,781 |
| Loan and lease loss provision to assets | 0.4289% | 2,813 |
| Net operating income to assets | -0.7171% | 6,962 |
| Return on assets (ROA) | -0.7171% | 6,987 |
| Pretax return on assets | -0.7171% | 6,907 |
| Return on Equity (ROE) | -5.8932% | 6,935 |
| Retained earnings to average equity (ytd only) | -5.8932% | 6,655 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7481% | 585 |
| Assets per employee ($millions) | 5.3812% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 72.2584% | 2,396 |
| Net loans and leases to deposits | 81.7725% | 3,322 |
| Net loans and leases to core deposits | 95.2732% | 2,670 |
| Total domestic deposits to total assets | 88.3652% | 1,871 |
| Equity capital to assets | 11.4998% | 2,362 |
| Core capital (leverage) ratio | 12.1400% | 1,577 |
| Tier 1 risk-based capital ratio | 13.7859% | 3,808 |
| Total risk-based capital ratio | 14.9565% | 3,816 |
| Memoranda: | ||
| Average total assets | $173,481,500 | 3,602 |
| Average earning assets | $157,771,000 | 3,613 |
| Average equity | $21,109,000 | 3,052 |
| Average total loans | $127,567,500 | 3,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 7,491 |
| Cost of funding earning assets | 2.2208% | 1,943 |
| Net interest margin | 2.1635% | 7,668 |
| Noninterest income to average assets | 0.1692% | 6,869 |
| Noninterest expense to average assets | 3.4222% | 2,606 |
| Loan and lease loss provision to assets | 0.4916% | 3,917 |
| Net operating income to assets | -1.7478% | 6,988 |
| Return on assets (ROA) | -1.5372% | 6,886 |
| Pretax return on assets | -1.5321% | 6,725 |
| Return on Equity (ROE) | -12.0973% | 6,774 |
| Retained earnings to average equity (ytd only) | -12.0973% | 6,690 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.6254% | 264 |
| Assets per employee ($millions) | 4.9698% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.8920% | 2,535 |
| Net loans and leases to deposits | 83.8001% | 3,315 |
| Net loans and leases to core deposits | 116.1014% | 2,308 |
| Total domestic deposits to total assets | 86.9832% | 2,521 |
| Equity capital to assets | 12.9132% | 1,542 |
| Core capital (leverage) ratio | 13.5673% | 1,075 |
| Tier 1 risk-based capital ratio | 16.1654% | 2,445 |
| Total risk-based capital ratio | 17.3772% | 2,396 |
| Memoranda: | ||
| Average total assets | $137,717,200 | 4,172 |
| Average earning assets | $127,434,000 | 4,146 |
| Average equity | $17,499,800 | 3,583 |
| Average total loans | $97,618,800 | 4,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 7,677 |
| Cost of funding earning assets | 2.4068% | 1,613 |
| Net interest margin | 1.8909% | 7,855 |
| Noninterest income to average assets | 0.1982% | 6,797 |
| Noninterest expense to average assets | 3.3285% | 2,815 |
| Loan and lease loss provision to assets | 0.4778% | 3,521 |
| Net operating income to assets | -1.8564% | 7,258 |
| Return on assets (ROA) | -1.8432% | 7,250 |
| Pretax return on assets | -1.8361% | 7,103 |
| Return on Equity (ROE) | -14.5792% | 7,166 |
| Retained earnings to average equity (ytd only) | -14.5792% | 7,106 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.0779% | 239 |
| Assets per employee ($millions) | 4.9958% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 69.1350% | 3,686 |
| Net loans and leases to deposits | 77.1492% | 4,875 |
| Net loans and leases to core deposits | 103.1940% | 4,041 |
| Total domestic deposits to total assets | 89.6120% | 919 |
| Equity capital to assets | 10.2582% | 3,778 |
| Core capital (leverage) ratio | 10.3996% | 2,885 |
| Tier 1 risk-based capital ratio | 13.0953% | 4,125 |
| Total risk-based capital ratio | 14.2611% | 4,117 |
| Memoranda: | ||
| Average total assets | $131,145,750 | 4,352 |
| Average earning assets | $121,985,250 | 4,298 |
| Average equity | $16,580,250 | 3,791 |
| Average total loans | $91,737,250 | 4,202 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 7,879 |
| Cost of funding earning assets | 2.6312% | 1,209 |
| Net interest margin | 1.4523% | 8,025 |
| Noninterest income to average assets | 0.1818% | 6,996 |
| Noninterest expense to average assets | 3.5541% | 2,182 |
| Loan and lease loss provision to assets | 0.5372% | 2,883 |
| Net operating income to assets | -2.5674% | 7,577 |
| Return on assets (ROA) | -2.5463% | 7,560 |
| Pretax return on assets | -2.5349% | 7,428 |
| Return on Equity (ROE) | -18.6660% | 7,470 |
| Retained earnings to average equity (ytd only) | -18.6660% | 7,412 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 231.5011% | 141 |
| Assets per employee ($millions) | 4.6872% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 4,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.4372% | 3,838 |
| Net loans and leases to deposits | 78.1605% | 4,845 |
| Net loans and leases to core deposits | 106.6464% | 3,761 |
| Total domestic deposits to total assets | 88.8393% | 1,360 |
| Equity capital to assets | 11.0011% | 2,922 |
| Core capital (leverage) ratio | 11.4948% | 2,087 |
| Tier 1 risk-based capital ratio | 14.3361% | 3,339 |
| Total risk-based capital ratio | 15.4674% | 3,329 |
| Memoranda: | ||
| Average total assets | $123,237,330 | 4,553 |
| Average earning assets | $114,852,670 | 4,492 |
| Average equity | $16,811,330 | 3,750 |
| Average total loans | $86,162,000 | 4,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 7,951 |
| Cost of funding earning assets | 2.6497% | 1,412 |
| Net interest margin | 1.4338% | 8,076 |
| Noninterest income to average assets | 0.1105% | 7,482 |
| Noninterest expense to average assets | 3.8359% | 1,408 |
| Loan and lease loss provision to assets | 0.3957% | 2,956 |
| Net operating income to assets | -2.8092% | 7,816 |
| Return on assets (ROA) | -2.8092% | 7,820 |
| Pretax return on assets | -2.7842% | 7,715 |
| Return on Equity (ROE) | -18.2995% | 7,719 |
| Retained earnings to average equity (ytd only) | -18.2995% | 7,599 |
| Net charge-offs to loans | 0.0102% | 5,494 |
| Credit loss provision to net charge-offs | 5,550.0000% | 133 |
| Earnings coverage of net charge-offs (x) | -335.0000% | 5,724 |
| Efficiency ratio | 265.0246% | 117 |
| Assets per employee ($millions) | 4.2607% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 63.9097% | 5,006 |
| Net loans and leases to deposits | 73.7254% | 5,519 |
| Net loans and leases to core deposits | 106.5628% | 3,840 |
| Total domestic deposits to total assets | 86.6861% | 2,367 |
| Equity capital to assets | 13.1731% | 1,671 |
| Core capital (leverage) ratio | 14.7613% | 1,019 |
| Tier 1 risk-based capital ratio | 17.9690% | 2,062 |
| Total risk-based capital ratio | 19.0813% | 2,042 |
| Memoranda: | ||
| Average total assets | $112,204,000 | 4,847 |
| Average earning assets | $104,614,000 | 4,785 |
| Average equity | $17,224,500 | 3,691 |
| Average total loans | $78,168,500 | 4,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 7,783 |
| Cost of funding earning assets | 2.6628% | 3,352 |
| Net interest margin | 2.4188% | 7,832 |
| Noninterest income to average assets | 0.2132% | 6,915 |
| Noninterest expense to average assets | 5.5286% | 494 |
| Loan and lease loss provision to assets | 1.2763% | 1,120 |
| Net operating income to assets | -4.2689% | 8,024 |
| Return on assets (ROA) | -4.2689% | 8,008 |
| Pretax return on assets | -4.2689% | 7,939 |
| Return on Equity (ROE) | -14.9710% | 7,587 |
| Retained earnings to average equity (ytd only) | -14.9710% | 7,455 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.0083% | 172 |
| Assets per employee ($millions) | 3.4495% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 4,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.2606% | 2,817 |
| Net loans and leases to deposits | 93.3433% | 2,888 |
| Net loans and leases to core deposits | 136.1350% | 1,475 |
| Total domestic deposits to total assets | 80.6278% | 4,797 |
| Equity capital to assets | 18.2333% | 622 |
| Core capital (leverage) ratio | 18.8820% | 523 |
| Tier 1 risk-based capital ratio | 21.6553% | 1,362 |
| Total risk-based capital ratio | 22.8001% | 1,344 |
| Memoranda: | ||
| Average total assets | $66,129,000 | 6,157 |
| Average earning assets | $63,503,400 | 6,037 |
| Average equity | $18,856,400 | 3,423 |
| Average total loans | $44,741,000 | 5,938 |