Home > Windsor Federal Bank > Performance and Condition Ratios
Windsor Federal 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 | 4.0146% | 3,946 |
| Cost of funding earning assets | 0.7032% | 3,926 |
| Net interest margin | 3.3114% | 2,606 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.7212% | 1,685 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5435% | 3,582 |
| Return on assets (ROA) | 0.5435% | 3,569 |
| Pretax return on assets | 0.6633% | 3,513 |
| Return on Equity (ROE) | 6.6800% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.6831% | 1,995 |
| Net charge-offs to loans | 0.0038% | 2,608 |
| Credit loss provision to net charge-offs | 1,238.0952% | 341 |
| Earnings coverage of net charge-offs (x) | 254.7143% | 490 |
| Efficiency ratio | 79.4759% | 947 |
| Assets per employee ($millions) | 7.6988% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 3,935 |
| Loan loss allowance to noncurrent loans | 90.4771% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 811 |
| Noncurrent loans to loans | 0.8995% | 836 |
| Net loans and leases to total assets | 72.5200% | 1,523 |
| Net loans and leases to deposits | 84.9906% | 1,691 |
| Net loans and leases to core deposits | 90.7891% | 1,996 |
| Total domestic deposits to total assets | 85.3300% | 2,202 |
| Equity capital to assets | 8.4319% | 3,100 |
| Core capital (leverage) ratio | 9.9220% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $761,184,600 | 1,227 |
| Average earning assets | $705,099,400 | 1,221 |
| Average equity | $61,902,200 | 1,361 |
| Average total loans | $549,170,200 | 1,154 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,948 |
| Cost of funding earning assets | 0.6290% | 3,919 |
| Net interest margin | 3.3035% | 2,678 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.7401% | 1,571 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5329% | 3,698 |
| Return on assets (ROA) | 0.5329% | 3,681 |
| Pretax return on assets | 0.6516% | 3,642 |
| Return on Equity (ROE) | 6.6200% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.6155% | 2,429 |
| Net charge-offs to loans | 0.0032% | 2,402 |
| Credit loss provision to net charge-offs | 884.6154% | 434 |
| Earnings coverage of net charge-offs (x) | 295.3846% | 451 |
| Efficiency ratio | 80.2052% | 845 |
| Assets per employee ($millions) | 7.4754% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 3,960 |
| Loan loss allowance to noncurrent loans | 82.9638% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 804 |
| Noncurrent loans to loans | 0.9767% | 837 |
| Net loans and leases to total assets | 71.3800% | 1,652 |
| Net loans and leases to deposits | 83.7376% | 1,763 |
| Net loans and leases to core deposits | 89.1772% | 1,985 |
| Total domestic deposits to total assets | 85.2500% | 2,429 |
| Equity capital to assets | 7.7298% | 3,225 |
| Core capital (leverage) ratio | 10.0633% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $757,085,000 | 1,231 |
| Average earning assets | $702,222,750 | 1,221 |
| Average equity | $60,986,500 | 1,366 |
| Average total loans | $544,329,750 | 1,156 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 3,900 |
| Cost of funding earning assets | 0.5049% | 3,970 |
| Net interest margin | 3.3773% | 2,580 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.7580% | 1,501 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5662% | 3,666 |
| Return on assets (ROA) | 0.5662% | 3,672 |
| Pretax return on assets | 0.6945% | 3,611 |
| Return on Equity (ROE) | 6.9300% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.9327% | 2,304 |
| Net charge-offs to loans | 0.0033% | 2,201 |
| Credit loss provision to net charge-offs | 1,222.2222% | 352 |
| Earnings coverage of net charge-offs (x) | 305.4444% | 442 |
| Efficiency ratio | 79.0632% | 909 |
| Assets per employee ($millions) | 7.3933% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 3,979 |
| Loan loss allowance to noncurrent loans | 78.6440% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 674 |
| Noncurrent loans to loans | 1.0391% | 714 |
| Net loans and leases to total assets | 72.2500% | 1,500 |
| Net loans and leases to deposits | 83.9126% | 1,674 |
| Net loans and leases to core deposits | 88.5070% | 1,896 |
| Total domestic deposits to total assets | 86.1000% | 2,206 |
| Equity capital to assets | 8.1578% | 3,109 |
| Core capital (leverage) ratio | 10.0546% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $752,790,000 | 1,233 |
| Average earning assets | $699,206,333 | 1,224 |
| Average equity | $61,476,333 | 1,361 |
| Average total loans | $541,064,667 | 1,151 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 3,790 |
| Cost of funding earning assets | 0.3951% | 3,978 |
| Net interest margin | 3.4398% | 2,529 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.7341% | 1,586 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6345% | 3,623 |
| Return on assets (ROA) | 0.6345% | 3,579 |
| Pretax return on assets | 0.7781% | 3,514 |
| Return on Equity (ROE) | 7.7700% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.7650% | 2,294 |
| Net charge-offs to loans | 0.0052% | 1,782 |
| Credit loss provision to net charge-offs | 971.4286% | 369 |
| Earnings coverage of net charge-offs (x) | 218.7143% | 479 |
| Efficiency ratio | 77.0534% | 1,080 |
| Assets per employee ($millions) | 7.4040% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,088 |
| Loan loss allowance to noncurrent loans | 252.1663% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 1,990 |
| Noncurrent loans to loans | 0.3164% | 2,010 |
| Net loans and leases to total assets | 70.9100% | 1,535 |
| Net loans and leases to deposits | 82.4891% | 1,616 |
| Net loans and leases to core deposits | 85.9465% | 1,867 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 8.3399% | 3,014 |
| Core capital (leverage) ratio | 9.9676% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $752,127,500 | 1,252 |
| Average earning assets | $700,516,000 | 1,238 |
| Average equity | $61,455,000 | 1,371 |
| Average total loans | $536,940,000 | 1,169 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 3,519 |
| Cost of funding earning assets | 0.1079% | 4,354 |
| Net interest margin | 3.2205% | 2,805 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.5413% | 1,989 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6062% | 3,866 |
| Return on assets (ROA) | 0.6062% | 3,820 |
| Pretax return on assets | 0.7450% | 3,754 |
| Return on Equity (ROE) | 7.2500% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.2475% | 2,127 |
| Net charge-offs to loans | 0.0234% | 1,594 |
| Credit loss provision to net charge-offs | 422.0339% | 754 |
| Earnings coverage of net charge-offs (x) | 51.2119% | 1,344 |
| Efficiency ratio | 75.7864% | 1,036 |
| Assets per employee ($millions) | 7.6434% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,040 |
| Loan loss allowance to noncurrent loans | 246.0023% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 1,990 |
| Noncurrent loans to loans | 0.3232% | 1,995 |
| Net loans and leases to total assets | 70.7300% | 1,558 |
| Net loans and leases to deposits | 80.7674% | 1,713 |
| Net loans and leases to core deposits | 82.8246% | 1,943 |
| Total domestic deposits to total assets | 87.5700% | 2,213 |
| Equity capital to assets | 8.0004% | 3,059 |
| Core capital (leverage) ratio | 9.8616% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $744,272,400 | 1,253 |
| Average earning assets | $698,063,600 | 1,237 |
| Average equity | $62,255,800 | 1,358 |
| Average total loans | $503,960,400 | 1,175 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 3,431 |
| Cost of funding earning assets | 0.0881% | 4,359 |
| Net interest margin | 3.1135% | 2,893 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.5226% | 1,948 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5421% | 3,987 |
| Return on assets (ROA) | 0.5421% | 3,928 |
| Pretax return on assets | 0.6641% | 3,873 |
| Return on Equity (ROE) | 6.4100% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.4100% | 2,591 |
| Net charge-offs to loans | 0.0314% | 1,210 |
| Credit loss provision to net charge-offs | 310.2564% | 799 |
| Earnings coverage of net charge-offs (x) | 34.7350% | 1,447 |
| Efficiency ratio | 77.5755% | 949 |
| Assets per employee ($millions) | 7.7378% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,098 |
| Loan loss allowance to noncurrent loans | 269.6393% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,222 |
| Noncurrent loans to loans | 0.2957% | 2,181 |
| Net loans and leases to total assets | 69.5900% | 1,515 |
| Net loans and leases to deposits | 77.1766% | 1,783 |
| Net loans and leases to core deposits | 78.8953% | 1,980 |
| Total domestic deposits to total assets | 90.1700% | 1,583 |
| Equity capital to assets | 7.6765% | 3,105 |
| Core capital (leverage) ratio | 9.7683% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $743,078,000 | 1,268 |
| Average earning assets | $697,412,750 | 1,247 |
| Average equity | $62,838,000 | 1,367 |
| Average total loans | $496,444,750 | 1,179 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0584% | 3,408 |
| Cost of funding earning assets | 0.0875% | 4,312 |
| Net interest margin | 2.9709% | 2,970 |
| Noninterest income to average assets | 0.3165% | 3,274 |
| Noninterest expense to average assets | 2.4738% | 2,015 |
| Loan and lease loss provision to assets | 0.0754% | 1,278 |
| Net operating income to assets | 0.4610% | 3,980 |
| Return on assets (ROA) | 0.4610% | 3,934 |
| Pretax return on assets | 0.5627% | 3,894 |
| Return on Equity (ROE) | 5.2913% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.2913% | 2,591 |
| Net charge-offs to loans | 0.0510% | 883 |
| Credit loss provision to net charge-offs | 224.8000% | 918 |
| Earnings coverage of net charge-offs (x) | 19.0320% | 1,568 |
| Efficiency ratio | 79.4967% | 985 |
| Assets per employee ($millions) | 7.7576% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 4,182 |
| Loan loss allowance to noncurrent loans | 229.3044% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,154 |
| Noncurrent loans to loans | 0.3468% | 2,109 |
| Net loans and leases to total assets | 66.6795% | 1,613 |
| Net loans and leases to deposits | 73.6784% | 1,900 |
| Net loans and leases to core deposits | 75.4339% | 2,059 |
| Total domestic deposits to total assets | 90.5007% | 1,463 |
| Equity capital to assets | 7.9265% | 3,179 |
| Core capital (leverage) ratio | 9.4703% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $745,740,000 | 1,259 |
| Average earning assets | $701,678,667 | 1,245 |
| Average equity | $64,974,333 | 1,361 |
| Average total loans | $490,031,667 | 1,189 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9939% | 3,274 |
| Cost of funding earning assets | 0.0869% | 4,283 |
| Net interest margin | 2.9070% | 2,817 |
| Noninterest income to average assets | 0.3109% | 3,238 |
| Noninterest expense to average assets | 2.4705% | 1,957 |
| Loan and lease loss provision to assets | 0.0253% | 1,909 |
| Net operating income to assets | 0.4558% | 3,830 |
| Return on assets (ROA) | 0.4558% | 3,795 |
| Pretax return on assets | 0.5544% | 3,740 |
| Return on Equity (ROE) | 5.0031% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.0031% | 2,596 |
| Net charge-offs to loans | 0.0589% | 723 |
| Credit loss provision to net charge-offs | 66.1972% | 1,151 |
| Earnings coverage of net charge-offs (x) | 15.1549% | 1,357 |
| Efficiency ratio | 80.9928% | 1,072 |
| Assets per employee ($millions) | 7.9272% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,252 |
| Loan loss allowance to noncurrent loans | 208.2385% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 2,154 |
| Noncurrent loans to loans | 0.3820% | 2,119 |
| Net loans and leases to total assets | 64.3043% | 1,588 |
| Net loans and leases to deposits | 72.1028% | 1,769 |
| Net loans and leases to core deposits | 73.9140% | 1,945 |
| Total domestic deposits to total assets | 89.1843% | 1,985 |
| Equity capital to assets | 8.6735% | 3,000 |
| Core capital (leverage) ratio | 9.7248% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $742,365,500 | 1,271 |
| Average earning assets | $699,552,000 | 1,259 |
| Average equity | $67,638,500 | 1,362 |
| Average total loans | $482,158,500 | 1,195 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 3,554 |
| Cost of funding earning assets | 0.1115% | 4,295 |
| Net interest margin | 3.0529% | 3,042 |
| Noninterest income to average assets | 0.3211% | 3,487 |
| Noninterest expense to average assets | 2.4883% | 2,215 |
| Loan and lease loss provision to assets | 0.0123% | 2,839 |
| Net operating income to assets | 0.5763% | 3,927 |
| Return on assets (ROA) | 0.5763% | 3,970 |
| Pretax return on assets | 0.7067% | 3,918 |
| Return on Equity (ROE) | 5.7947% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.7947% | 2,444 |
| Net charge-offs to loans | -0.0074% | 3,651 |
| Credit loss provision to net charge-offs | -245.7143% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5843% | 984 |
| Assets per employee ($millions) | 7.7850% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 4,261 |
| Loan loss allowance to noncurrent loans | 213.5912% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,336 |
| Noncurrent loans to loans | 0.3761% | 2,239 |
| Net loans and leases to total assets | 64.5562% | 1,643 |
| Net loans and leases to deposits | 73.2338% | 1,794 |
| Net loans and leases to core deposits | 75.0773% | 1,993 |
| Total domestic deposits to total assets | 88.1508% | 1,957 |
| Equity capital to assets | 9.5522% | 3,099 |
| Core capital (leverage) ratio | 9.7080% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $701,884,600 | 1,282 |
| Average earning assets | $663,527,600 | 1,269 |
| Average equity | $69,805,400 | 1,352 |
| Average total loans | $474,290,000 | 1,209 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 3,610 |
| Cost of funding earning assets | 0.1185% | 4,363 |
| Net interest margin | 3.0768% | 3,108 |
| Noninterest income to average assets | 0.3231% | 3,493 |
| Noninterest expense to average assets | 2.5015% | 2,113 |
| Loan and lease loss provision to assets | 0.0013% | 2,943 |
| Net operating income to assets | 0.5946% | 4,012 |
| Return on assets (ROA) | 0.5946% | 4,062 |
| Pretax return on assets | 0.7305% | 4,012 |
| Return on Equity (ROE) | 5.9160% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.9160% | 2,863 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3656% | 926 |
| Assets per employee ($millions) | 7.3035% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 4,380 |
| Loan loss allowance to noncurrent loans | 194.2029% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 2,415 |
| Noncurrent loans to loans | 0.4019% | 2,354 |
| Net loans and leases to total assets | 67.3229% | 1,395 |
| Net loans and leases to deposits | 76.6219% | 1,608 |
| Net loans and leases to core deposits | 78.4462% | 1,860 |
| Total domestic deposits to total assets | 87.8638% | 1,926 |
| Equity capital to assets | 9.9781% | 2,927 |
| Core capital (leverage) ratio | 9.9807% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $692,461,750 | 1,312 |
| Average earning assets | $654,992,000 | 1,299 |
| Average equity | $69,595,250 | 1,369 |
| Average total loans | $472,535,500 | 1,235 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1654% | 3,735 |
| Cost of funding earning assets | 0.1267% | 4,376 |
| Net interest margin | 3.0387% | 3,215 |
| Noninterest income to average assets | 0.3170% | 3,531 |
| Noninterest expense to average assets | 2.5113% | 2,104 |
| Loan and lease loss provision to assets | 0.0009% | 2,852 |
| Net operating income to assets | 0.5559% | 4,089 |
| Return on assets (ROA) | 0.5559% | 4,139 |
| Pretax return on assets | 0.6820% | 4,100 |
| Return on Equity (ROE) | 5.5178% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.5178% | 2,988 |
| Net charge-offs to loans | -0.0004% | 3,034 |
| Credit loss provision to net charge-offs | -300.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6222% | 878 |
| Assets per employee ($millions) | 7.0743% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 4,365 |
| Loan loss allowance to noncurrent loans | 184.1356% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 2,486 |
| Noncurrent loans to loans | 0.4351% | 2,368 |
| Net loans and leases to total assets | 65.6185% | 1,741 |
| Net loans and leases to deposits | 74.4724% | 1,958 |
| Net loans and leases to core deposits | 76.1932% | 2,219 |
| Total domestic deposits to total assets | 88.1111% | 1,767 |
| Equity capital to assets | 9.8783% | 2,972 |
| Core capital (leverage) ratio | 9.7830% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $687,135,000 | 1,314 |
| Average earning assets | $650,597,000 | 1,301 |
| Average equity | $69,230,667 | 1,369 |
| Average total loans | $469,815,333 | 1,242 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1845% | 3,719 |
| Cost of funding earning assets | 0.1408% | 4,377 |
| Net interest margin | 3.0437% | 3,152 |
| Noninterest income to average assets | 0.3072% | 3,570 |
| Noninterest expense to average assets | 2.5820% | 1,925 |
| Loan and lease loss provision to assets | 0.0012% | 2,733 |
| Net operating income to assets | 0.5028% | 4,172 |
| Return on assets (ROA) | 0.5028% | 4,209 |
| Pretax return on assets | 0.6115% | 4,179 |
| Return on Equity (ROE) | 4.9401% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.9401% | 3,235 |
| Net charge-offs to loans | 0.0025% | 1,835 |
| Credit loss provision to net charge-offs | 66.6667% | 1,259 |
| Earnings coverage of net charge-offs (x) | 345.6667% | 267 |
| Efficiency ratio | 80.8212% | 766 |
| Assets per employee ($millions) | 7.4277% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 4,435 |
| Loan loss allowance to noncurrent loans | 154.5192% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 2,410 |
| Noncurrent loans to loans | 0.5074% | 2,336 |
| Net loans and leases to total assets | 67.8582% | 1,549 |
| Net loans and leases to deposits | 77.2246% | 1,781 |
| Net loans and leases to core deposits | 79.0869% | 2,090 |
| Total domestic deposits to total assets | 87.8712% | 1,907 |
| Equity capital to assets | 9.8813% | 2,815 |
| Core capital (leverage) ratio | 10.0611% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $676,989,500 | 1,323 |
| Average earning assets | $642,235,500 | 1,303 |
| Average equity | $68,905,000 | 1,366 |
| Average total loans | $470,747,500 | 1,244 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 3,968 |
| Cost of funding earning assets | 0.3292% | 3,979 |
| Net interest margin | 3.1996% | 3,365 |
| Noninterest income to average assets | 0.3395% | 3,430 |
| Noninterest expense to average assets | 2.5163% | 2,794 |
| Loan and lease loss provision to assets | 0.0850% | 3,311 |
| Net operating income to assets | 0.6307% | 3,650 |
| Return on assets (ROA) | 0.6307% | 3,779 |
| Pretax return on assets | 0.7725% | 3,700 |
| Return on Equity (ROE) | 5.8148% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.8148% | 1,888 |
| Net charge-offs to loans | 0.0087% | 3,016 |
| Credit loss provision to net charge-offs | 1,341.0256% | 623 |
| Earnings coverage of net charge-offs (x) | 135.2821% | 628 |
| Efficiency ratio | 74.5845% | 1,378 |
| Assets per employee ($millions) | 6.9763% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 4,412 |
| Loan loss allowance to noncurrent loans | 145.9470% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 2,420 |
| Noncurrent loans to loans | 0.5531% | 2,327 |
| Net loans and leases to total assets | 70.1792% | 1,536 |
| Net loans and leases to deposits | 80.6051% | 1,803 |
| Net loans and leases to core deposits | 82.8729% | 2,128 |
| Total domestic deposits to total assets | 87.0655% | 1,910 |
| Equity capital to assets | 10.4942% | 2,678 |
| Core capital (leverage) ratio | 10.2369% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $615,304,400 | 1,305 |
| Average earning assets | $583,506,200 | 1,291 |
| Average equity | $66,743,800 | 1,351 |
| Average total loans | $447,390,600 | 1,235 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5382% | 4,140 |
| Cost of funding earning assets | 0.3797% | 3,918 |
| Net interest margin | 3.1585% | 3,598 |
| Noninterest income to average assets | 0.3450% | 3,404 |
| Noninterest expense to average assets | 2.4988% | 2,857 |
| Loan and lease loss provision to assets | 0.1145% | 2,891 |
| Net operating income to assets | 0.5953% | 3,782 |
| Return on assets (ROA) | 0.5953% | 3,881 |
| Pretax return on assets | 0.7279% | 3,836 |
| Return on Equity (ROE) | 5.4399% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.4399% | 2,355 |
| Net charge-offs to loans | 0.0012% | 3,185 |
| Credit loss provision to net charge-offs | 13,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 956.0000% | 124 |
| Efficiency ratio | 74.7857% | 1,329 |
| Assets per employee ($millions) | 6.8126% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 4,383 |
| Loan loss allowance to noncurrent loans | 144.6018% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 2,559 |
| Noncurrent loans to loans | 0.5448% | 2,437 |
| Net loans and leases to total assets | 73.5018% | 1,433 |
| Net loans and leases to deposits | 84.4800% | 1,859 |
| Net loans and leases to core deposits | 87.5380% | 2,188 |
| Total domestic deposits to total assets | 87.0050% | 1,668 |
| Equity capital to assets | 10.4781% | 2,811 |
| Core capital (leverage) ratio | 10.0885% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $605,187,000 | 1,303 |
| Average earning assets | $574,099,750 | 1,288 |
| Average equity | $66,225,250 | 1,341 |
| Average total loans | $443,247,750 | 1,234 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 4,237 |
| Cost of funding earning assets | 0.4128% | 3,983 |
| Net interest margin | 3.2013% | 3,668 |
| Noninterest income to average assets | 0.3501% | 3,381 |
| Noninterest expense to average assets | 2.5559% | 2,810 |
| Loan and lease loss provision to assets | 0.1390% | 2,622 |
| Net operating income to assets | 0.5704% | 3,828 |
| Return on assets (ROA) | 0.5704% | 3,909 |
| Pretax return on assets | 0.6932% | 3,884 |
| Return on Equity (ROE) | 5.1328% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.1328% | 2,410 |
| Net charge-offs to loans | 0.0005% | 3,025 |
| Credit loss provision to net charge-offs | 41,100.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 2,460.0000% | 32 |
| Efficiency ratio | 75.4368% | 1,315 |
| Assets per employee ($millions) | 7.0859% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,416 |
| Loan loss allowance to noncurrent loans | 165.9584% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 2,993 |
| Noncurrent loans to loans | 0.4645% | 2,745 |
| Net loans and leases to total assets | 70.2001% | 1,998 |
| Net loans and leases to deposits | 80.0728% | 2,414 |
| Net loans and leases to core deposits | 82.9434% | 2,701 |
| Total domestic deposits to total assets | 87.6704% | 1,342 |
| Equity capital to assets | 9.9547% | 3,251 |
| Core capital (leverage) ratio | 10.2020% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,184,333 | 1,309 |
| Average earning assets | $561,015,667 | 1,294 |
| Average equity | $65,695,667 | 1,337 |
| Average total loans | $431,171,333 | 1,253 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 4,152 |
| Cost of funding earning assets | 0.4786% | 4,036 |
| Net interest margin | 3.3616% | 3,421 |
| Noninterest income to average assets | 0.4071% | 3,047 |
| Noninterest expense to average assets | 2.7539% | 2,563 |
| Loan and lease loss provision to assets | 0.1490% | 1,901 |
| Net operating income to assets | 0.5642% | 3,697 |
| Return on assets (ROA) | 0.5642% | 3,766 |
| Pretax return on assets | 0.6805% | 3,742 |
| Return on Equity (ROE) | 4.7726% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.7726% | 2,382 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8513% | 1,468 |
| Assets per employee ($millions) | 5.8026% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,289 |
| Loan loss allowance to noncurrent loans | 172.9541% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 3,002 |
| Noncurrent loans to loans | 0.4882% | 2,801 |
| Net loans and leases to total assets | 73.0616% | 1,772 |
| Net loans and leases to deposits | 85.3643% | 2,073 |
| Net loans and leases to core deposits | 89.6078% | 2,386 |
| Total domestic deposits to total assets | 85.5880% | 2,177 |
| Equity capital to assets | 11.8796% | 2,157 |
| Core capital (leverage) ratio | 11.6305% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,196,000 | 1,356 |
| Average earning assets | $519,879,000 | 1,331 |
| Average equity | $65,038,000 | 1,348 |
| Average total loans | $408,641,500 | 1,276 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 4,369 |
| Cost of funding earning assets | 0.5483% | 3,886 |
| Net interest margin | 3.3890% | 3,782 |
| Noninterest income to average assets | 0.4374% | 3,070 |
| Noninterest expense to average assets | 2.7205% | 2,830 |
| Loan and lease loss provision to assets | 0.0335% | 3,339 |
| Net operating income to assets | 0.7130% | 3,831 |
| Return on assets (ROA) | 0.7130% | 3,891 |
| Pretax return on assets | 0.8703% | 3,822 |
| Return on Equity (ROE) | 6.1003% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.1003% | 1,818 |
| Net charge-offs to loans | 0.0043% | 3,528 |
| Credit loss provision to net charge-offs | 1,035.2941% | 332 |
| Earnings coverage of net charge-offs (x) | 278.9412% | 298 |
| Efficiency ratio | 75.0618% | 1,478 |
| Assets per employee ($millions) | 5.9059% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 4,299 |
| Loan loss allowance to noncurrent loans | 149.7245% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 2,794 |
| Noncurrent loans to loans | 0.5354% | 2,568 |
| Net loans and leases to total assets | 74.2749% | 1,707 |
| Net loans and leases to deposits | 86.6593% | 2,014 |
| Net loans and leases to core deposits | 92.2026% | 2,217 |
| Total domestic deposits to total assets | 85.7091% | 2,187 |
| Equity capital to assets | 11.7607% | 2,313 |
| Core capital (leverage) ratio | 11.8737% | 1,857 |
| Tier 1 risk-based capital ratio | 15.0244% | 2,770 |
| Total risk-based capital ratio | 15.8090% | 2,894 |
| Memoranda: | ||
| Average total assets | $524,655,800 | 1,365 |
| Average earning assets | $493,361,000 | 1,343 |
| Average equity | $61,325,000 | 1,365 |
| Average total loans | $395,995,600 | 1,275 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 4,413 |
| Cost of funding earning assets | 0.5628% | 3,854 |
| Net interest margin | 3.4107% | 3,839 |
| Noninterest income to average assets | 0.4433% | 3,060 |
| Noninterest expense to average assets | 2.6954% | 2,879 |
| Loan and lease loss provision to assets | 0.0256% | 3,383 |
| Net operating income to assets | 0.7567% | 3,832 |
| Return on assets (ROA) | 0.7567% | 3,896 |
| Pretax return on assets | 0.9262% | 3,803 |
| Return on Equity (ROE) | 6.4840% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.4840% | 2,127 |
| Net charge-offs to loans | 0.0041% | 3,263 |
| Credit loss provision to net charge-offs | 833.3333% | 418 |
| Earnings coverage of net charge-offs (x) | 309.3256% | 307 |
| Efficiency ratio | 73.9033% | 1,580 |
| Assets per employee ($millions) | 5.9719% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,399 |
| Loan loss allowance to noncurrent loans | 143.4998% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 2,835 |
| Noncurrent loans to loans | 0.5604% | 2,617 |
| Net loans and leases to total assets | 74.0343% | 1,814 |
| Net loans and leases to deposits | 86.4515% | 2,139 |
| Net loans and leases to core deposits | 92.2665% | 2,340 |
| Total domestic deposits to total assets | 85.6368% | 2,145 |
| Equity capital to assets | 11.8781% | 2,349 |
| Core capital (leverage) ratio | 12.0369% | 1,826 |
| Tier 1 risk-based capital ratio | 15.1670% | 2,772 |
| Total risk-based capital ratio | 15.9522% | 2,910 |
| Memoranda: | ||
| Average total assets | $519,983,750 | 1,381 |
| Average earning assets | $488,453,500 | 1,360 |
| Average equity | $60,681,000 | 1,374 |
| Average total loans | $393,287,250 | 1,295 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 4,412 |
| Cost of funding earning assets | 0.5820% | 3,743 |
| Net interest margin | 3.4018% | 3,892 |
| Noninterest income to average assets | 0.4382% | 3,022 |
| Noninterest expense to average assets | 2.7341% | 2,806 |
| Loan and lease loss provision to assets | 0.0043% | 3,636 |
| Net operating income to assets | 0.7347% | 3,884 |
| Return on assets (ROA) | 0.7347% | 3,940 |
| Pretax return on assets | 0.8955% | 3,861 |
| Return on Equity (ROE) | 6.3344% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.3344% | 2,124 |
| Net charge-offs to loans | 0.0036% | 3,032 |
| Credit loss provision to net charge-offs | 157.1429% | 1,439 |
| Earnings coverage of net charge-offs (x) | 331.7143% | 235 |
| Efficiency ratio | 75.2399% | 1,492 |
| Assets per employee ($millions) | 5.7260% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,475 |
| Loan loss allowance to noncurrent loans | 114.7396% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,457 |
| Noncurrent loans to loans | 0.6878% | 2,252 |
| Net loans and leases to total assets | 75.7658% | 1,585 |
| Net loans and leases to deposits | 90.0677% | 1,729 |
| Net loans and leases to core deposits | 96.0916% | 2,061 |
| Total domestic deposits to total assets | 84.1209% | 2,806 |
| Equity capital to assets | 12.0141% | 2,173 |
| Core capital (leverage) ratio | 11.9305% | 1,871 |
| Tier 1 risk-based capital ratio | 15.0254% | 2,831 |
| Total risk-based capital ratio | 15.7963% | 2,966 |
| Memoranda: | ||
| Average total assets | $516,145,670 | 1,388 |
| Average earning assets | $484,858,000 | 1,371 |
| Average equity | $59,864,000 | 1,378 |
| Average total loans | $392,156,000 | 1,302 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 4,404 |
| Cost of funding earning assets | 0.6077% | 3,526 |
| Net interest margin | 3.3747% | 3,964 |
| Noninterest income to average assets | 0.4275% | 2,993 |
| Noninterest expense to average assets | 2.7250% | 2,828 |
| Loan and lease loss provision to assets | 0.0039% | 3,371 |
| Net operating income to assets | 0.7124% | 3,894 |
| Return on assets (ROA) | 0.7124% | 3,940 |
| Pretax return on assets | 0.8681% | 3,868 |
| Return on Equity (ROE) | 6.2543% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.2543% | 2,340 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7589% | 1,520 |
| Assets per employee ($millions) | 6.0297% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 4,558 |
| Loan loss allowance to noncurrent loans | 106.4406% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 2,385 |
| Noncurrent loans to loans | 0.7398% | 2,173 |
| Net loans and leases to total assets | 75.4877% | 1,566 |
| Net loans and leases to deposits | 93.4723% | 1,232 |
| Net loans and leases to core deposits | 99.4202% | 1,671 |
| Total domestic deposits to total assets | 80.7594% | 4,011 |
| Equity capital to assets | 11.5110% | 2,386 |
| Core capital (leverage) ratio | 11.6096% | 2,044 |
| Tier 1 risk-based capital ratio | 15.0263% | 2,883 |
| Total risk-based capital ratio | 15.8099% | 3,001 |
| Memoranda: | ||
| Average total assets | $516,550,000 | 1,395 |
| Average earning assets | $485,142,500 | 1,380 |
| Average equity | $58,839,500 | 1,393 |
| Average total loans | $391,456,500 | 1,308 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,511 |
| Cost of funding earning assets | 0.3569% | 4,240 |
| Net interest margin | 3.4332% | 3,897 |
| Noninterest income to average assets | 0.4554% | 3,077 |
| Noninterest expense to average assets | 2.7851% | 2,734 |
| Loan and lease loss provision to assets | 0.0079% | 3,965 |
| Net operating income to assets | 0.7089% | 4,114 |
| Return on assets (ROA) | 0.7089% | 4,118 |
| Pretax return on assets | 0.8779% | 3,955 |
| Return on Equity (ROE) | 6.2077% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.2077% | 2,086 |
| Net charge-offs to loans | 0.0303% | 2,794 |
| Credit loss provision to net charge-offs | 34.8214% | 3,322 |
| Earnings coverage of net charge-offs (x) | 38.8036% | 1,347 |
| Efficiency ratio | 75.8690% | 1,385 |
| Assets per employee ($millions) | 5.8471% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 4,541 |
| Loan loss allowance to noncurrent loans | 96.2457% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,167 |
| Noncurrent loans to loans | 0.8299% | 1,942 |
| Net loans and leases to total assets | 74.8737% | 1,788 |
| Net loans and leases to deposits | 93.0344% | 1,396 |
| Net loans and leases to core deposits | 97.4614% | 1,914 |
| Total domestic deposits to total assets | 80.4796% | 3,999 |
| Equity capital to assets | 11.2698% | 2,452 |
| Core capital (leverage) ratio | 11.7153% | 1,940 |
| Tier 1 risk-based capital ratio | 14.8530% | 2,904 |
| Total risk-based capital ratio | 15.6393% | 3,034 |
| Memoranda: | ||
| Average total assets | $490,607,200 | 1,436 |
| Average earning assets | $459,508,600 | 1,414 |
| Average equity | $56,026,800 | 1,399 |
| Average total loans | $369,733,000 | 1,335 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,549 |
| Cost of funding earning assets | 0.3028% | 4,498 |
| Net interest margin | 3.4481% | 3,866 |
| Noninterest income to average assets | 0.4534% | 3,143 |
| Noninterest expense to average assets | 2.8095% | 2,605 |
| Loan and lease loss provision to assets | 0.0096% | 3,797 |
| Net operating income to assets | 0.6908% | 4,252 |
| Return on assets (ROA) | 0.6908% | 4,262 |
| Pretax return on assets | 0.8611% | 4,142 |
| Return on Equity (ROE) | 6.0283% | 4,260 |
| Retained earnings to average equity (ytd only) | 6.0283% | 2,644 |
| Net charge-offs to loans | 0.0657% | 1,889 |
| Credit loss provision to net charge-offs | 19.4444% | 3,019 |
| Earnings coverage of net charge-offs (x) | 17.5836% | 2,106 |
| Efficiency ratio | 76.3400% | 1,307 |
| Assets per employee ($millions) | 5.7648% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,596 |
| Loan loss allowance to noncurrent loans | 86.8942% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 2,092 |
| Noncurrent loans to loans | 0.9270% | 1,838 |
| Net loans and leases to total assets | 75.2635% | 1,767 |
| Net loans and leases to deposits | 96.2998% | 1,119 |
| Net loans and leases to core deposits | 100.4269% | 1,747 |
| Total domestic deposits to total assets | 78.1554% | 4,461 |
| Equity capital to assets | 11.3250% | 2,382 |
| Core capital (leverage) ratio | 11.7932% | 1,918 |
| Tier 1 risk-based capital ratio | 14.8035% | 2,972 |
| Total risk-based capital ratio | 15.5857% | 3,117 |
| Memoranda: | ||
| Average total assets | $484,622,750 | 1,451 |
| Average earning assets | $453,531,750 | 1,439 |
| Average equity | $55,536,500 | 1,412 |
| Average total loans | $365,076,000 | 1,347 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 4,627 |
| Cost of funding earning assets | 0.2463% | 4,764 |
| Net interest margin | 3.4340% | 3,846 |
| Noninterest income to average assets | 0.4525% | 3,133 |
| Noninterest expense to average assets | 2.8592% | 2,468 |
| Loan and lease loss provision to assets | 0.0129% | 3,606 |
| Net operating income to assets | 0.6267% | 4,418 |
| Return on assets (ROA) | 0.6267% | 4,420 |
| Pretax return on assets | 0.7931% | 4,265 |
| Return on Equity (ROE) | 5.4470% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.4470% | 2,849 |
| Net charge-offs to loans | 0.0991% | 1,365 |
| Credit loss provision to net charge-offs | 17.3184% | 2,699 |
| Earnings coverage of net charge-offs (x) | 10.8268% | 2,308 |
| Efficiency ratio | 78.0098% | 1,196 |
| Assets per employee ($millions) | 5.4170% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,622 |
| Loan loss allowance to noncurrent loans | 65.1388% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,582 |
| Noncurrent loans to loans | 1.2665% | 1,354 |
| Net loans and leases to total assets | 74.6427% | 1,843 |
| Net loans and leases to deposits | 93.4863% | 1,417 |
| Net loans and leases to core deposits | 96.8463% | 1,978 |
| Total domestic deposits to total assets | 79.8434% | 4,262 |
| Equity capital to assets | 11.3977% | 2,268 |
| Core capital (leverage) ratio | 11.8699% | 1,789 |
| Tier 1 risk-based capital ratio | 15.0555% | 2,848 |
| Total risk-based capital ratio | 15.8645% | 2,978 |
| Memoranda: | ||
| Average total assets | $480,907,330 | 1,466 |
| Average earning assets | $449,912,330 | 1,457 |
| Average equity | $55,333,330 | 1,416 |
| Average total loans | $361,380,330 | 1,358 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,543 |
| Cost of funding earning assets | 0.2257% | 4,860 |
| Net interest margin | 3.4437% | 3,729 |
| Noninterest income to average assets | 0.4355% | 3,199 |
| Noninterest expense to average assets | 2.8518% | 2,523 |
| Loan and lease loss provision to assets | 0.0226% | 3,234 |
| Net operating income to assets | 0.5787% | 4,486 |
| Return on assets (ROA) | 0.5787% | 4,493 |
| Pretax return on assets | 0.7814% | 4,200 |
| Return on Equity (ROE) | 5.0058% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.0058% | 3,165 |
| Net charge-offs to loans | 0.1963% | 752 |
| Credit loss provision to net charge-offs | 15.3409% | 2,153 |
| Earnings coverage of net charge-offs (x) | 5.4545% | 2,237 |
| Efficiency ratio | 78.0069% | 1,354 |
| Assets per employee ($millions) | 5.3322% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,680 |
| Loan loss allowance to noncurrent loans | 93.0218% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 2,300 |
| Noncurrent loans to loans | 0.9003% | 2,021 |
| Net loans and leases to total assets | 74.6619% | 1,760 |
| Net loans and leases to deposits | 92.4674% | 1,392 |
| Net loans and leases to core deposits | 95.9394% | 1,981 |
| Total domestic deposits to total assets | 80.7440% | 4,260 |
| Equity capital to assets | 11.4429% | 2,179 |
| Core capital (leverage) ratio | 11.8195% | 1,764 |
| Tier 1 risk-based capital ratio | 15.2574% | 2,762 |
| Total risk-based capital ratio | 16.0890% | 2,891 |
| Memoranda: | ||
| Average total assets | $477,597,000 | 1,481 |
| Average earning assets | $446,607,000 | 1,471 |
| Average equity | $55,216,500 | 1,422 |
| Average total loans | $358,605,000 | 1,371 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 4,701 |
| Cost of funding earning assets | 0.1987% | 4,959 |
| Net interest margin | 3.3471% | 4,018 |
| Noninterest income to average assets | 0.4679% | 3,207 |
| Noninterest expense to average assets | 2.7231% | 3,052 |
| Loan and lease loss provision to assets | 0.0030% | 4,185 |
| Net operating income to assets | 0.5495% | 4,224 |
| Return on assets (ROA) | 0.5495% | 4,254 |
| Pretax return on assets | 0.8757% | 3,988 |
| Return on Equity (ROE) | 4.6821% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.6821% | 2,333 |
| Net charge-offs to loans | 0.0030% | 4,003 |
| Credit loss provision to net charge-offs | 140.0000% | 1,888 |
| Earnings coverage of net charge-offs (x) | 408.1000% | 213 |
| Efficiency ratio | 75.6038% | 1,678 |
| Assets per employee ($millions) | 5.4011% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 4,511 |
| Loan loss allowance to noncurrent loans | 90.4043% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 2,077 |
| Noncurrent loans to loans | 0.9868% | 1,796 |
| Net loans and leases to total assets | 74.2081% | 1,882 |
| Net loans and leases to deposits | 91.9504% | 1,533 |
| Net loans and leases to core deposits | 95.4356% | 2,080 |
| Total domestic deposits to total assets | 80.7045% | 4,190 |
| Equity capital to assets | 11.6809% | 2,051 |
| Core capital (leverage) ratio | 11.9838% | 1,607 |
| Tier 1 risk-based capital ratio | 15.1915% | 2,752 |
| Total risk-based capital ratio | 16.0708% | 2,861 |
| Memoranda: | ||
| Average total assets | $464,431,400 | 1,498 |
| Average earning assets | $434,854,400 | 1,491 |
| Average equity | $54,505,800 | 1,417 |
| Average total loans | $336,161,400 | 1,424 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 4,764 |
| Cost of funding earning assets | 0.1940% | 5,024 |
| Net interest margin | 3.3282% | 4,081 |
| Noninterest income to average assets | 0.4701% | 3,211 |
| Noninterest expense to average assets | 2.7144% | 3,014 |
| Loan and lease loss provision to assets | 0.0029% | 4,051 |
| Net operating income to assets | 0.6235% | 4,300 |
| Return on assets (ROA) | 0.6235% | 4,350 |
| Pretax return on assets | 0.8683% | 4,144 |
| Return on Equity (ROE) | 5.3059% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.3059% | 2,676 |
| Net charge-offs to loans | 0.0020% | 3,697 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 603.0840% | 168 |
| Efficiency ratio | 75.7027% | 1,638 |
| Assets per employee ($millions) | 5.4769% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,479 |
| Loan loss allowance to noncurrent loans | 78.8676% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 1,959 |
| Noncurrent loans to loans | 1.1628% | 1,651 |
| Net loans and leases to total assets | 73.7067% | 1,965 |
| Net loans and leases to deposits | 93.5405% | 1,348 |
| Net loans and leases to core deposits | 97.1836% | 1,957 |
| Total domestic deposits to total assets | 78.7965% | 4,571 |
| Equity capital to assets | 11.9387% | 2,008 |
| Core capital (leverage) ratio | 12.0803% | 1,636 |
| Tier 1 risk-based capital ratio | 15.4425% | 2,727 |
| Total risk-based capital ratio | 16.3436% | 2,807 |
| Memoranda: | ||
| Average total assets | $461,715,000 | 1,517 |
| Average earning assets | $432,210,250 | 1,507 |
| Average equity | $54,252,500 | 1,433 |
| Average total loans | $331,230,750 | 1,448 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,779 |
| Cost of funding earning assets | 0.1903% | 5,067 |
| Net interest margin | 3.3050% | 4,090 |
| Noninterest income to average assets | 0.4613% | 3,276 |
| Noninterest expense to average assets | 2.7130% | 3,048 |
| Loan and lease loss provision to assets | 0.0035% | 3,832 |
| Net operating income to assets | 0.6042% | 4,285 |
| Return on assets (ROA) | 0.6042% | 4,330 |
| Pretax return on assets | 0.8379% | 4,134 |
| Return on Equity (ROE) | 5.1700% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.1700% | 2,596 |
| Net charge-offs to loans | -0.0135% | 4,632 |
| Credit loss provision to net charge-offs | -36.3636% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3290% | 1,669 |
| Assets per employee ($millions) | 5.4331% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,390 |
| Loan loss allowance to noncurrent loans | 76.2143% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 1,874 |
| Noncurrent loans to loans | 1.2529% | 1,543 |
| Net loans and leases to total assets | 71.8967% | 2,219 |
| Net loans and leases to deposits | 87.6190% | 2,033 |
| Net loans and leases to core deposits | 91.0586% | 2,424 |
| Total domestic deposits to total assets | 82.0560% | 3,872 |
| Equity capital to assets | 11.8960% | 2,006 |
| Core capital (leverage) ratio | 11.8969% | 1,696 |
| Tier 1 risk-based capital ratio | 15.6689% | 2,635 |
| Total risk-based capital ratio | 16.6030% | 2,714 |
| Memoranda: | ||
| Average total assets | $460,441,330 | 1,526 |
| Average earning assets | $430,926,330 | 1,513 |
| Average equity | $53,810,330 | 1,448 |
| Average total loans | $326,205,330 | 1,472 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 4,849 |
| Cost of funding earning assets | 0.1923% | 5,040 |
| Net interest margin | 3.2502% | 4,178 |
| Noninterest income to average assets | 0.4341% | 3,420 |
| Noninterest expense to average assets | 2.7441% | 2,979 |
| Loan and lease loss provision to assets | 0.0026% | 3,519 |
| Net operating income to assets | 0.5316% | 4,458 |
| Return on assets (ROA) | 0.5316% | 4,499 |
| Pretax return on assets | 0.7317% | 4,340 |
| Return on Equity (ROE) | 4.5899% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.5899% | 3,129 |
| Net charge-offs to loans | 0.0087% | 2,670 |
| Credit loss provision to net charge-offs | 42.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 120.5714% | 452 |
| Efficiency ratio | 78.8894% | 1,503 |
| Assets per employee ($millions) | 5.5998% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 4,407 |
| Loan loss allowance to noncurrent loans | 84.7925% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 2,148 |
| Noncurrent loans to loans | 1.1532% | 1,764 |
| Net loans and leases to total assets | 69.0050% | 2,528 |
| Net loans and leases to deposits | 84.6286% | 2,206 |
| Net loans and leases to core deposits | 88.0152% | 2,544 |
| Total domestic deposits to total assets | 81.5387% | 4,287 |
| Equity capital to assets | 11.5284% | 2,163 |
| Core capital (leverage) ratio | 11.7320% | 1,804 |
| Tier 1 risk-based capital ratio | 16.0435% | 2,529 |
| Total risk-based capital ratio | 17.0040% | 2,587 |
| Memoranda: | ||
| Average total assets | $459,757,000 | 1,534 |
| Average earning assets | $430,622,500 | 1,522 |
| Average equity | $53,247,000 | 1,458 |
| Average total loans | $321,694,500 | 1,494 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5247% | 4,717 |
| Cost of funding earning assets | 0.1967% | 5,046 |
| Net interest margin | 3.3279% | 4,062 |
| Noninterest income to average assets | 0.4935% | 3,280 |
| Noninterest expense to average assets | 2.7692% | 3,120 |
| Loan and lease loss provision to assets | 0.0195% | 3,982 |
| Net operating income to assets | 0.5879% | 4,262 |
| Return on assets (ROA) | 0.6197% | 4,244 |
| Pretax return on assets | 0.8596% | 3,979 |
| Return on Equity (ROE) | 5.1185% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,271 |
| Net charge-offs to loans | -0.0142% | 5,036 |
| Credit loss provision to net charge-offs | -193.1818% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8318% | 1,873 |
| Assets per employee ($millions) | 5.7561% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,381 |
| Loan loss allowance to noncurrent loans | 80.8722% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 2,046 |
| Noncurrent loans to loans | 1.2272% | 1,674 |
| Net loans and leases to total assets | 69.5636% | 2,548 |
| Net loans and leases to deposits | 86.0560% | 2,157 |
| Net loans and leases to core deposits | 89.4664% | 2,554 |
| Total domestic deposits to total assets | 80.8353% | 4,377 |
| Equity capital to assets | 11.6359% | 2,055 |
| Core capital (leverage) ratio | 11.8462% | 1,696 |
| Tier 1 risk-based capital ratio | 16.3029% | 2,428 |
| Total risk-based capital ratio | 17.2917% | 2,467 |
| Memoranda: | ||
| Average total assets | $435,073,000 | 1,562 |
| Average earning assets | $406,678,200 | 1,547 |
| Average equity | $52,671,800 | 1,460 |
| Average total loans | $309,616,800 | 1,479 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 4,692 |
| Cost of funding earning assets | 0.1964% | 5,110 |
| Net interest margin | 3.3494% | 4,032 |
| Noninterest income to average assets | 0.4931% | 3,303 |
| Noninterest expense to average assets | 2.7552% | 3,160 |
| Loan and lease loss provision to assets | 0.0251% | 3,743 |
| Net operating income to assets | 0.6059% | 4,270 |
| Return on assets (ROA) | 0.6487% | 4,211 |
| Pretax return on assets | 0.9020% | 3,973 |
| Return on Equity (ROE) | 5.3041% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.3041% | 2,625 |
| Net charge-offs to loans | -0.0117% | 4,826 |
| Credit loss provision to net charge-offs | -300.0000% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0524% | 1,967 |
| Assets per employee ($millions) | 5.3244% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 4,479 |
| Loan loss allowance to noncurrent loans | 69.3527% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 1,860 |
| Noncurrent loans to loans | 1.4246% | 1,523 |
| Net loans and leases to total assets | 71.4301% | 2,272 |
| Net loans and leases to deposits | 88.6043% | 1,942 |
| Net loans and leases to core deposits | 91.9623% | 2,384 |
| Total domestic deposits to total assets | 80.6170% | 4,353 |
| Equity capital to assets | 12.1585% | 2,003 |
| Core capital (leverage) ratio | 12.0636% | 1,633 |
| Tier 1 risk-based capital ratio | 16.4139% | 2,452 |
| Total risk-based capital ratio | 17.4140% | 2,512 |
| Memoranda: | ||
| Average total assets | $430,158,250 | 1,573 |
| Average earning assets | $401,933,000 | 1,556 |
| Average equity | $52,611,750 | 1,468 |
| Average total loans | $307,146,250 | 1,495 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 4,770 |
| Cost of funding earning assets | 0.1963% | 5,183 |
| Net interest margin | 3.3437% | 4,082 |
| Noninterest income to average assets | 0.4842% | 3,305 |
| Noninterest expense to average assets | 2.7154% | 3,339 |
| Loan and lease loss provision to assets | 0.0375% | 3,406 |
| Net operating income to assets | 0.6132% | 4,213 |
| Return on assets (ROA) | 0.6780% | 4,047 |
| Pretax return on assets | 0.9460% | 3,788 |
| Return on Equity (ROE) | 5.5323% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.5323% | 2,400 |
| Net charge-offs to loans | -0.0152% | 4,841 |
| Credit loss provision to net charge-offs | -347.8261% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2438% | 2,190 |
| Assets per employee ($millions) | 5.3851% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 4,498 |
| Loan loss allowance to noncurrent loans | 64.4203% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 1,835 |
| Noncurrent loans to loans | 1.5569% | 1,388 |
| Net loans and leases to total assets | 70.3007% | 2,432 |
| Net loans and leases to deposits | 87.2373% | 2,103 |
| Net loans and leases to core deposits | 90.4828% | 2,490 |
| Total domestic deposits to total assets | 80.5856% | 4,393 |
| Equity capital to assets | 12.0590% | 2,088 |
| Core capital (leverage) ratio | 12.0234% | 1,613 |
| Tier 1 risk-based capital ratio | 16.5224% | 2,415 |
| Total risk-based capital ratio | 17.5402% | 2,453 |
| Memoranda: | ||
| Average total assets | $426,236,670 | 1,590 |
| Average earning assets | $398,300,330 | 1,579 |
| Average equity | $52,238,670 | 1,480 |
| Average total loans | $303,256,330 | 1,512 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 4,653 |
| Cost of funding earning assets | 0.2076% | 5,129 |
| Net interest margin | 3.3806% | 3,935 |
| Noninterest income to average assets | 0.4759% | 3,301 |
| Noninterest expense to average assets | 2.7761% | 3,163 |
| Loan and lease loss provision to assets | 0.0162% | 3,477 |
| Net operating income to assets | 0.5929% | 4,213 |
| Return on assets (ROA) | 0.5915% | 4,331 |
| Pretax return on assets | 0.8400% | 4,065 |
| Return on Equity (ROE) | 4.7861% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.7861% | 3,073 |
| Net charge-offs to loans | -0.0161% | 4,752 |
| Credit loss provision to net charge-offs | -141.6667% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3871% | 2,126 |
| Assets per employee ($millions) | 5.5862% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 4,487 |
| Loan loss allowance to noncurrent loans | 59.5040% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 1,742 |
| Noncurrent loans to loans | 1.7154% | 1,310 |
| Net loans and leases to total assets | 71.0787% | 2,179 |
| Net loans and leases to deposits | 87.7760% | 1,857 |
| Net loans and leases to core deposits | 91.0596% | 2,270 |
| Total domestic deposits to total assets | 80.9774% | 4,501 |
| Equity capital to assets | 12.4492% | 1,712 |
| Core capital (leverage) ratio | 12.2549% | 1,461 |
| Tier 1 risk-based capital ratio | 16.6917% | 2,400 |
| Total risk-based capital ratio | 17.7129% | 2,448 |
| Memoranda: | ||
| Average total assets | $418,565,500 | 1,620 |
| Average earning assets | $391,053,500 | 1,603 |
| Average equity | $51,733,000 | 1,488 |
| Average total loans | $298,095,500 | 1,523 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 4,811 |
| Cost of funding earning assets | 0.2400% | 4,894 |
| Net interest margin | 3.3075% | 4,273 |
| Noninterest income to average assets | 0.5171% | 3,217 |
| Noninterest expense to average assets | 2.7486% | 3,416 |
| Loan and lease loss provision to assets | 0.0078% | 4,239 |
| Net operating income to assets | 0.6100% | 4,220 |
| Return on assets (ROA) | 0.6100% | 4,317 |
| Pretax return on assets | 0.8429% | 4,051 |
| Return on Equity (ROE) | 4.9916% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.9916% | 2,427 |
| Net charge-offs to loans | 0.0506% | 3,188 |
| Credit loss provision to net charge-offs | 22.5352% | 3,727 |
| Earnings coverage of net charge-offs (x) | 24.6197% | 1,663 |
| Efficiency ratio | 76.3656% | 2,210 |
| Assets per employee ($millions) | 5.5022% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 4,439 |
| Loan loss allowance to noncurrent loans | 53.7931% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 1,531 |
| Noncurrent loans to loans | 1.9148% | 1,113 |
| Net loans and leases to total assets | 69.8964% | 2,379 |
| Net loans and leases to deposits | 86.3800% | 2,080 |
| Net loans and leases to core deposits | 89.7044% | 2,429 |
| Total domestic deposits to total assets | 80.9174% | 4,506 |
| Equity capital to assets | 12.2698% | 1,764 |
| Core capital (leverage) ratio | 12.0967% | 1,564 |
| Tier 1 risk-based capital ratio | 16.8348% | 2,344 |
| Total risk-based capital ratio | 17.8674% | 2,379 |
| Memoranda: | ||
| Average total assets | $410,978,800 | 1,602 |
| Average earning assets | $382,978,200 | 1,593 |
| Average equity | $50,224,000 | 1,483 |
| Average total loans | $280,838,600 | 1,552 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 4,885 |
| Cost of funding earning assets | 0.2467% | 4,915 |
| Net interest margin | 3.2954% | 4,369 |
| Noninterest income to average assets | 0.5057% | 3,324 |
| Noninterest expense to average assets | 2.7527% | 3,372 |
| Loan and lease loss provision to assets | 0.0095% | 4,079 |
| Net operating income to assets | 0.5911% | 4,429 |
| Return on assets (ROA) | 0.5911% | 4,529 |
| Pretax return on assets | 0.8123% | 4,298 |
| Return on Equity (ROE) | 4.8418% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.8418% | 3,023 |
| Net charge-offs to loans | 0.0462% | 2,968 |
| Credit loss provision to net charge-offs | 30.2083% | 3,269 |
| Earnings coverage of net charge-offs (x) | 26.2702% | 1,618 |
| Efficiency ratio | 77.0100% | 2,091 |
| Assets per employee ($millions) | 5.4329% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 4,365 |
| Loan loss allowance to noncurrent loans | 47.9112% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.6895% | 1,283 |
| Noncurrent loans to loans | 2.2408% | 971 |
| Net loans and leases to total assets | 68.8458% | 2,555 |
| Net loans and leases to deposits | 86.5093% | 2,090 |
| Net loans and leases to core deposits | 89.9258% | 2,475 |
| Total domestic deposits to total assets | 79.5819% | 4,838 |
| Equity capital to assets | 12.3448% | 1,842 |
| Core capital (leverage) ratio | 12.1456% | 1,595 |
| Tier 1 risk-based capital ratio | 16.7893% | 2,438 |
| Total risk-based capital ratio | 17.8480% | 2,485 |
| Memoranda: | ||
| Average total assets | $409,182,000 | 1,621 |
| Average earning assets | $381,045,500 | 1,613 |
| Average equity | $49,953,000 | 1,495 |
| Average total loans | $277,217,000 | 1,585 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 4,887 |
| Cost of funding earning assets | 0.2535% | 4,898 |
| Net interest margin | 3.2849% | 4,354 |
| Noninterest income to average assets | 0.4697% | 3,564 |
| Noninterest expense to average assets | 2.7906% | 3,268 |
| Loan and lease loss provision to assets | 0.0152% | 3,820 |
| Net operating income to assets | 0.5368% | 4,625 |
| Return on assets (ROA) | 0.5368% | 4,733 |
| Pretax return on assets | 0.7256% | 4,577 |
| Return on Equity (ROE) | 4.4141% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.4141% | 3,205 |
| Net charge-offs to loans | 0.0716% | 2,366 |
| Credit loss provision to net charge-offs | 31.6327% | 2,911 |
| Earnings coverage of net charge-offs (x) | 15.4184% | 1,976 |
| Efficiency ratio | 79.0226% | 1,909 |
| Assets per employee ($millions) | 5.6727% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 4,306 |
| Loan loss allowance to noncurrent loans | 48.4758% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.6527% | 1,453 |
| Noncurrent loans to loans | 2.2751% | 1,040 |
| Net loans and leases to total assets | 66.8037% | 2,818 |
| Net loans and leases to deposits | 84.0068% | 2,313 |
| Net loans and leases to core deposits | 87.5256% | 2,605 |
| Total domestic deposits to total assets | 79.5218% | 4,972 |
| Equity capital to assets | 12.0414% | 1,995 |
| Core capital (leverage) ratio | 11.9643% | 1,684 |
| Tier 1 risk-based capital ratio | 16.9580% | 2,420 |
| Total risk-based capital ratio | 18.0455% | 2,445 |
| Memoranda: | ||
| Average total assets | $407,941,330 | 1,637 |
| Average earning assets | $380,227,000 | 1,625 |
| Average equity | $49,613,330 | 1,512 |
| Average total loans | $273,838,670 | 1,610 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,574 |
| Cost of funding earning assets | 0.2618% | 4,882 |
| Net interest margin | 3.3762% | 3,930 |
| Noninterest income to average assets | 0.4466% | 3,656 |
| Noninterest expense to average assets | 2.8375% | 3,113 |
| Loan and lease loss provision to assets | 0.0267% | 3,353 |
| Net operating income to assets | 0.5108% | 4,626 |
| Return on assets (ROA) | 0.5108% | 4,748 |
| Pretax return on assets | 0.7291% | 4,505 |
| Return on Equity (ROE) | 4.1788% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.1788% | 3,498 |
| Net charge-offs to loans | 0.1565% | 1,324 |
| Credit loss provision to net charge-offs | 25.4717% | 2,311 |
| Earnings coverage of net charge-offs (x) | 7.2170% | 2,197 |
| Efficiency ratio | 78.9662% | 2,048 |
| Assets per employee ($millions) | 5.4620% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 4,346 |
| Loan loss allowance to noncurrent loans | 60.6473% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 1,963 |
| Noncurrent loans to loans | 1.8708% | 1,435 |
| Net loans and leases to total assets | 65.3653% | 2,869 |
| Net loans and leases to deposits | 83.1360% | 2,189 |
| Net loans and leases to core deposits | 86.7775% | 2,463 |
| Total domestic deposits to total assets | 78.6246% | 5,334 |
| Equity capital to assets | 12.1827% | 1,906 |
| Core capital (leverage) ratio | 12.0182% | 1,625 |
| Tier 1 risk-based capital ratio | 17.4418% | 2,320 |
| Total risk-based capital ratio | 18.5683% | 2,329 |
| Memoranda: | ||
| Average total assets | $404,860,000 | 1,654 |
| Average earning assets | $377,345,500 | 1,637 |
| Average equity | $49,488,000 | 1,523 |
| Average total loans | $270,897,000 | 1,621 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 5,356 |
| Cost of funding earning assets | 0.2945% | 4,846 |
| Net interest margin | 3.1869% | 4,966 |
| Noninterest income to average assets | 0.5970% | 2,877 |
| Noninterest expense to average assets | 2.7049% | 3,846 |
| Loan and lease loss provision to assets | 0.0332% | 3,932 |
| Net operating income to assets | 0.5522% | 4,590 |
| Return on assets (ROA) | 0.5702% | 4,590 |
| Pretax return on assets | 0.8550% | 4,050 |
| Return on Equity (ROE) | 4.8572% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.8572% | 2,709 |
| Net charge-offs to loans | 0.2282% | 1,845 |
| Credit loss provision to net charge-offs | 22.1122% | 3,949 |
| Earnings coverage of net charge-offs (x) | 5.7393% | 3,366 |
| Efficiency ratio | 74.8229% | 2,689 |
| Assets per employee ($millions) | 5.4063% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,206 |
| Loan loss allowance to noncurrent loans | 41.3160% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.0374% | 1,241 |
| Noncurrent loans to loans | 2.8156% | 832 |
| Net loans and leases to total assets | 66.9383% | 2,739 |
| Net loans and leases to deposits | 85.3091% | 2,059 |
| Net loans and leases to core deposits | 89.2473% | 2,357 |
| Total domestic deposits to total assets | 78.4656% | 5,353 |
| Equity capital to assets | 12.2652% | 1,811 |
| Core capital (leverage) ratio | 11.9940% | 1,617 |
| Tier 1 risk-based capital ratio | 18.1071% | 2,101 |
| Total risk-based capital ratio | 19.3192% | 2,080 |
| Memoranda: | ||
| Average total assets | $403,862,800 | 1,632 |
| Average earning assets | $376,263,400 | 1,609 |
| Average equity | $47,414,200 | 1,521 |
| Average total loans | $265,517,400 | 1,595 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 5,483 |
| Cost of funding earning assets | 0.2983% | 4,903 |
| Net interest margin | 3.1565% | 5,097 |
| Noninterest income to average assets | 0.5023% | 3,534 |
| Noninterest expense to average assets | 2.6912% | 3,854 |
| Loan and lease loss provision to assets | 0.0030% | 4,348 |
| Net operating income to assets | 0.4941% | 4,893 |
| Return on assets (ROA) | 0.5178% | 4,876 |
| Pretax return on assets | 0.7852% | 4,414 |
| Return on Equity (ROE) | 4.4594% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.4594% | 3,475 |
| Net charge-offs to loans | 0.1822% | 2,001 |
| Credit loss provision to net charge-offs | 2.4931% | 3,783 |
| Earnings coverage of net charge-offs (x) | 6.3269% | 3,101 |
| Efficiency ratio | 76.7384% | 2,381 |
| Assets per employee ($millions) | 5.3966% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 4,120 |
| Loan loss allowance to noncurrent loans | 39.0453% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.1247% | 1,319 |
| Noncurrent loans to loans | 3.1271% | 823 |
| Net loans and leases to total assets | 66.2858% | 2,808 |
| Net loans and leases to deposits | 83.5897% | 2,211 |
| Net loans and leases to core deposits | 87.4517% | 2,485 |
| Total domestic deposits to total assets | 79.2990% | 5,264 |
| Equity capital to assets | 12.0081% | 2,052 |
| Core capital (leverage) ratio | 11.8204% | 1,819 |
| Tier 1 risk-based capital ratio | 17.8185% | 2,268 |
| Total risk-based capital ratio | 19.0687% | 2,232 |
| Memoranda: | ||
| Average total assets | $404,811,750 | 1,641 |
| Average earning assets | $377,200,250 | 1,615 |
| Average equity | $47,000,500 | 1,536 |
| Average total loans | $264,159,250 | 1,612 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 5,588 |
| Cost of funding earning assets | 0.3021% | 4,950 |
| Net interest margin | 3.1160% | 5,209 |
| Noninterest income to average assets | 0.4938% | 3,519 |
| Noninterest expense to average assets | 2.6673% | 3,993 |
| Loan and lease loss provision to assets | 0.0030% | 4,153 |
| Net operating income to assets | 0.4660% | 4,947 |
| Return on assets (ROA) | 0.5032% | 4,885 |
| Pretax return on assets | 0.7835% | 4,337 |
| Return on Equity (ROE) | 4.3828% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.3828% | 3,390 |
| Net charge-offs to loans | 0.2587% | 1,517 |
| Credit loss provision to net charge-offs | 1.7647% | 3,388 |
| Earnings coverage of net charge-offs (x) | 4.3559% | 3,127 |
| Efficiency ratio | 77.1147% | 2,438 |
| Assets per employee ($millions) | 5.5976% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 4,153 |
| Loan loss allowance to noncurrent loans | 39.2087% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 2.1056% | 1,482 |
| Noncurrent loans to loans | 3.1906% | 889 |
| Net loans and leases to total assets | 62.6962% | 3,287 |
| Net loans and leases to deposits | 78.3409% | 2,752 |
| Net loans and leases to core deposits | 81.6469% | 3,011 |
| Total domestic deposits to total assets | 80.0300% | 5,228 |
| Equity capital to assets | 11.4727% | 2,452 |
| Core capital (leverage) ratio | 11.2509% | 2,194 |
| Tier 1 risk-based capital ratio | 18.0559% | 2,224 |
| Total risk-based capital ratio | 19.3066% | 2,193 |
| Memoranda: | ||
| Average total assets | $406,633,000 | 1,638 |
| Average earning assets | $378,696,000 | 1,615 |
| Average equity | $46,682,670 | 1,536 |
| Average total loans | $262,884,670 | 1,617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 5,535 |
| Cost of funding earning assets | 0.3147% | 4,919 |
| Net interest margin | 3.1361% | 5,129 |
| Noninterest income to average assets | 0.4945% | 3,456 |
| Noninterest expense to average assets | 2.7138% | 3,890 |
| Loan and lease loss provision to assets | 0.0030% | 3,783 |
| Net operating income to assets | 0.3985% | 5,121 |
| Return on assets (ROA) | 0.4607% | 4,965 |
| Pretax return on assets | 0.7944% | 4,136 |
| Return on Equity (ROE) | 4.0119% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.0119% | 3,708 |
| Net charge-offs to loans | 0.4429% | 819 |
| Credit loss provision to net charge-offs | 1.0309% | 2,680 |
| Earnings coverage of net charge-offs (x) | 2.4227% | 2,878 |
| Efficiency ratio | 78.0396% | 2,470 |
| Assets per employee ($millions) | 5.6492% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,249 |
| Loan loss allowance to noncurrent loans | 43.5737% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.9637% | 1,743 |
| Noncurrent loans to loans | 2.9271% | 1,108 |
| Net loans and leases to total assets | 63.4852% | 2,982 |
| Net loans and leases to deposits | 79.4157% | 2,377 |
| Net loans and leases to core deposits | 83.2219% | 2,612 |
| Total domestic deposits to total assets | 79.9404% | 5,492 |
| Equity capital to assets | 11.4539% | 2,290 |
| Core capital (leverage) ratio | 11.2967% | 2,140 |
| Tier 1 risk-based capital ratio | 18.1810% | 2,216 |
| Total risk-based capital ratio | 19.4320% | 2,185 |
| Memoranda: | ||
| Average total assets | $402,836,500 | 1,660 |
| Average earning assets | $374,990,000 | 1,630 |
| Average equity | $46,262,500 | 1,547 |
| Average total loans | $262,830,000 | 1,619 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 5,808 |
| Cost of funding earning assets | 0.3489% | 5,144 |
| Net interest margin | 3.0676% | 5,411 |
| Noninterest income to average assets | 0.5867% | 3,171 |
| Noninterest expense to average assets | 2.6180% | 4,396 |
| Loan and lease loss provision to assets | 0.1271% | 2,718 |
| Net operating income to assets | 0.4770% | 4,828 |
| Return on assets (ROA) | 0.5124% | 4,809 |
| Pretax return on assets | 0.7563% | 4,312 |
| Return on Equity (ROE) | 4.4247% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.4247% | 3,024 |
| Net charge-offs to loans | 0.1002% | 3,836 |
| Credit loss provision to net charge-offs | 204.4715% | 1,123 |
| Earnings coverage of net charge-offs (x) | 13.3699% | 2,032 |
| Efficiency ratio | 74.4467% | 3,054 |
| Assets per employee ($millions) | 5.5407% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 3,781 |
| Loan loss allowance to noncurrent loans | 50.8632% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 1,951 |
| Noncurrent loans to loans | 2.6978% | 1,356 |
| Net loans and leases to total assets | 65.2942% | 2,806 |
| Net loans and leases to deposits | 81.6139% | 2,232 |
| Net loans and leases to core deposits | 85.8508% | 2,462 |
| Total domestic deposits to total assets | 80.0038% | 5,445 |
| Equity capital to assets | 11.5150% | 2,153 |
| Core capital (leverage) ratio | 11.3893% | 2,041 |
| Tier 1 risk-based capital ratio | 17.9939% | 2,250 |
| Total risk-based capital ratio | 19.2463% | 2,217 |
| Memoranda: | ||
| Average total assets | $395,605,000 | 1,669 |
| Average earning assets | $369,177,400 | 1,638 |
| Average equity | $45,811,200 | 1,528 |
| Average total loans | $245,597,400 | 1,690 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,927 |
| Cost of funding earning assets | 0.3602% | 5,194 |
| Net interest margin | 3.0186% | 5,546 |
| Noninterest income to average assets | 0.6046% | 3,123 |
| Noninterest expense to average assets | 2.5942% | 4,410 |
| Loan and lease loss provision to assets | 0.0760% | 3,536 |
| Net operating income to assets | 0.5134% | 4,746 |
| Return on assets (ROA) | 0.5343% | 4,799 |
| Pretax return on assets | 0.7839% | 4,357 |
| Return on Equity (ROE) | 4.6075% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.6075% | 3,391 |
| Net charge-offs to loans | 0.0791% | 3,820 |
| Credit loss provision to net charge-offs | 157.3427% | 1,504 |
| Earnings coverage of net charge-offs (x) | 17.1680% | 1,749 |
| Efficiency ratio | 74.3094% | 3,013 |
| Assets per employee ($millions) | 5.6562% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,012 |
| Loan loss allowance to noncurrent loans | 46.2891% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9705% | 2,053 |
| Noncurrent loans to loans | 2.9664% | 1,370 |
| Net loans and leases to total assets | 62.5682% | 3,245 |
| Net loans and leases to deposits | 78.6984% | 2,559 |
| Net loans and leases to core deposits | 82.9447% | 2,769 |
| Total domestic deposits to total assets | 79.5038% | 5,628 |
| Equity capital to assets | 11.5814% | 2,237 |
| Core capital (leverage) ratio | 11.3624% | 2,153 |
| Tier 1 risk-based capital ratio | 18.7920% | 2,049 |
| Total risk-based capital ratio | 20.0449% | 2,014 |
| Memoranda: | ||
| Average total assets | $394,773,500 | 1,677 |
| Average earning assets | $368,638,000 | 1,644 |
| Average equity | $45,779,750 | 1,543 |
| Average total loans | $240,971,000 | 1,716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 5,972 |
| Cost of funding earning assets | 0.3854% | 5,076 |
| Net interest margin | 2.9831% | 5,604 |
| Noninterest income to average assets | 0.6471% | 2,929 |
| Noninterest expense to average assets | 2.5584% | 4,530 |
| Loan and lease loss provision to assets | 0.1090% | 2,975 |
| Net operating income to assets | 0.5269% | 4,680 |
| Return on assets (ROA) | 0.5269% | 4,848 |
| Pretax return on assets | 0.7668% | 4,438 |
| Return on Equity (ROE) | 4.5416% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.5416% | 3,380 |
| Net charge-offs to loans | 0.0690% | 3,726 |
| Credit loss provision to net charge-offs | 262.1951% | 961 |
| Earnings coverage of net charge-offs (x) | 21.0610% | 1,430 |
| Efficiency ratio | 73.0360% | 3,302 |
| Assets per employee ($millions) | 5.7918% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 3,875 |
| Loan loss allowance to noncurrent loans | 44.6372% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.0261% | 2,129 |
| Noncurrent loans to loans | 3.2121% | 1,366 |
| Net loans and leases to total assets | 60.2069% | 3,619 |
| Net loans and leases to deposits | 75.2869% | 2,972 |
| Net loans and leases to core deposits | 79.4275% | 3,100 |
| Total domestic deposits to total assets | 79.9700% | 5,609 |
| Equity capital to assets | 11.4164% | 2,364 |
| Core capital (leverage) ratio | 11.1137% | 2,248 |
| Tier 1 risk-based capital ratio | 18.8810% | 2,026 |
| Total risk-based capital ratio | 20.1343% | 1,985 |
| Memoranda: | ||
| Average total assets | $394,386,000 | 1,677 |
| Average earning assets | $368,476,000 | 1,642 |
| Average equity | $45,754,670 | 1,549 |
| Average total loans | $237,568,330 | 1,739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 5,962 |
| Cost of funding earning assets | 0.4123% | 4,986 |
| Net interest margin | 2.9772% | 5,628 |
| Noninterest income to average assets | 0.6984% | 2,594 |
| Noninterest expense to average assets | 2.5607% | 4,526 |
| Loan and lease loss provision to assets | 0.0888% | 3,182 |
| Net operating income to assets | 0.5657% | 4,384 |
| Return on assets (ROA) | 0.5657% | 4,535 |
| Pretax return on assets | 0.8281% | 4,049 |
| Return on Equity (ROE) | 4.8363% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.8363% | 3,337 |
| Net charge-offs to loans | 0.1127% | 2,754 |
| Credit loss provision to net charge-offs | 131.8182% | 1,500 |
| Earnings coverage of net charge-offs (x) | 13.6061% | 1,520 |
| Efficiency ratio | 72.1668% | 3,582 |
| Assets per employee ($millions) | 5.6837% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,994 |
| Loan loss allowance to noncurrent loans | 42.3659% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.1105% | 2,225 |
| Noncurrent loans to loans | 3.4374% | 1,400 |
| Net loans and leases to total assets | 58.4589% | 3,714 |
| Net loans and leases to deposits | 73.0258% | 3,047 |
| Net loans and leases to core deposits | 77.6973% | 3,117 |
| Total domestic deposits to total assets | 80.0524% | 5,743 |
| Equity capital to assets | 11.7356% | 2,229 |
| Core capital (leverage) ratio | 11.2031% | 2,093 |
| Tier 1 risk-based capital ratio | 18.9105% | 2,067 |
| Total risk-based capital ratio | 20.1637% | 2,039 |
| Memoranda: | ||
| Average total assets | $391,761,500 | 1,702 |
| Average earning assets | $365,715,000 | 1,669 |
| Average equity | $45,820,000 | 1,564 |
| Average total loans | $234,298,500 | 1,767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 5,975 |
| Cost of funding earning assets | 0.5201% | 5,070 |
| Net interest margin | 3.2173% | 5,528 |
| Noninterest income to average assets | 0.7926% | 2,293 |
| Noninterest expense to average assets | 2.5373% | 4,972 |
| Loan and lease loss provision to assets | 0.1302% | 3,989 |
| Net operating income to assets | 0.7465% | 3,528 |
| Return on assets (ROA) | 0.7465% | 3,770 |
| Pretax return on assets | 1.1465% | 3,001 |
| Return on Equity (ROE) | 6.6572% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.6572% | 1,740 |
| Net charge-offs to loans | 0.2345% | 3,533 |
| Credit loss provision to net charge-offs | 94.4547% | 3,294 |
| Earnings coverage of net charge-offs (x) | 9.2625% | 2,279 |
| Efficiency ratio | 65.2037% | 4,667 |
| Assets per employee ($millions) | 5.7551% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,031 |
| Loan loss allowance to noncurrent loans | 39.6911% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.2284% | 2,200 |
| Noncurrent loans to loans | 3.5953% | 1,371 |
| Net loans and leases to total assets | 59.4307% | 3,698 |
| Net loans and leases to deposits | 74.4189% | 3,035 |
| Net loans and leases to core deposits | 79.6192% | 3,061 |
| Total domestic deposits to total assets | 79.8597% | 5,704 |
| Equity capital to assets | 11.6561% | 2,298 |
| Core capital (leverage) ratio | 11.0787% | 2,186 |
| Tier 1 risk-based capital ratio | 18.7308% | 2,039 |
| Total risk-based capital ratio | 19.9836% | 2,000 |
| Memoranda: | ||
| Average total assets | $392,502,400 | 1,670 |
| Average earning assets | $368,603,600 | 1,624 |
| Average equity | $44,012,200 | 1,585 |
| Average total loans | $230,667,400 | 1,763 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 6,058 |
| Cost of funding earning assets | 0.5373% | 5,186 |
| Net interest margin | 3.2471% | 5,557 |
| Noninterest income to average assets | 0.7682% | 2,389 |
| Noninterest expense to average assets | 2.5550% | 4,901 |
| Loan and lease loss provision to assets | 0.1684% | 3,433 |
| Net operating income to assets | 0.7196% | 3,832 |
| Return on assets (ROA) | 0.7196% | 4,078 |
| Pretax return on assets | 1.1012% | 3,345 |
| Return on Equity (ROE) | 6.4814% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.4814% | 2,388 |
| Net charge-offs to loans | 0.2651% | 3,129 |
| Credit loss provision to net charge-offs | 108.7719% | 2,698 |
| Earnings coverage of net charge-offs (x) | 8.2018% | 2,487 |
| Efficiency ratio | 65.4833% | 4,540 |
| Assets per employee ($millions) | 5.7727% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 4,021 |
| Loan loss allowance to noncurrent loans | 43.4129% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.1186% | 2,526 |
| Noncurrent loans to loans | 3.4169% | 1,596 |
| Net loans and leases to total assets | 59.0174% | 3,959 |
| Net loans and leases to deposits | 74.5504% | 3,212 |
| Net loans and leases to core deposits | 79.5288% | 3,267 |
| Total domestic deposits to total assets | 79.1644% | 5,829 |
| Equity capital to assets | 11.6237% | 2,619 |
| Core capital (leverage) ratio | 10.9957% | 2,385 |
| Tier 1 risk-based capital ratio | 18.7585% | 2,088 |
| Total risk-based capital ratio | 20.0121% | 2,051 |
| Memoranda: | ||
| Average total assets | $392,790,500 | 1,687 |
| Average earning assets | $369,713,500 | 1,631 |
| Average equity | $43,611,250 | 1,616 |
| Average total loans | $229,347,000 | 1,788 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 6,107 |
| Cost of funding earning assets | 0.5637% | 5,196 |
| Net interest margin | 3.2506% | 5,590 |
| Noninterest income to average assets | 0.7432% | 2,452 |
| Noninterest expense to average assets | 2.5096% | 5,106 |
| Loan and lease loss provision to assets | 0.2259% | 2,819 |
| Net operating income to assets | 0.6976% | 3,880 |
| Return on assets (ROA) | 0.6976% | 4,146 |
| Pretax return on assets | 1.0664% | 3,439 |
| Return on Equity (ROE) | 6.3805% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.3805% | 2,453 |
| Net charge-offs to loans | 0.2713% | 2,959 |
| Credit loss provision to net charge-offs | 143.8710% | 1,926 |
| Earnings coverage of net charge-offs (x) | 8.2290% | 2,334 |
| Efficiency ratio | 64.6902% | 4,767 |
| Assets per employee ($millions) | 6.1434% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 3,865 |
| Loan loss allowance to noncurrent loans | 42.5253% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.1835% | 2,559 |
| Noncurrent loans to loans | 3.6011% | 1,590 |
| Net loans and leases to total assets | 57.7797% | 4,205 |
| Net loans and leases to deposits | 72.5579% | 3,526 |
| Net loans and leases to core deposits | 77.4288% | 3,599 |
| Total domestic deposits to total assets | 79.6325% | 5,833 |
| Equity capital to assets | 11.1835% | 2,911 |
| Core capital (leverage) ratio | 10.6065% | 2,705 |
| Tier 1 risk-based capital ratio | 18.2451% | 2,213 |
| Total risk-based capital ratio | 19.4992% | 2,183 |
| Memoranda: | ||
| Average total assets | $394,797,000 | 1,676 |
| Average earning assets | $371,495,330 | 1,630 |
| Average equity | $43,162,670 | 1,619 |
| Average total loans | $228,563,000 | 1,790 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 6,108 |
| Cost of funding earning assets | 0.5971% | 5,159 |
| Net interest margin | 3.2658% | 5,592 |
| Noninterest income to average assets | 0.7098% | 2,614 |
| Noninterest expense to average assets | 2.6632% | 4,571 |
| Loan and lease loss provision to assets | 0.0809% | 4,382 |
| Net operating income to assets | 0.6886% | 3,937 |
| Return on assets (ROA) | 0.6886% | 4,155 |
| Pretax return on assets | 1.0404% | 3,531 |
| Return on Equity (ROE) | 6.3707% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.3707% | 2,759 |
| Net charge-offs to loans | 0.3042% | 2,442 |
| Credit loss provision to net charge-offs | 46.2428% | 3,342 |
| Earnings coverage of net charge-offs (x) | 6.4104% | 2,216 |
| Efficiency ratio | 69.0355% | 3,976 |
| Assets per employee ($millions) | 6.3160% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,350 |
| Loan loss allowance to noncurrent loans | 49.6022% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 3,235 |
| Noncurrent loans to loans | 2.9375% | 2,197 |
| Net loans and leases to total assets | 56.1566% | 4,353 |
| Net loans and leases to deposits | 71.0950% | 3,574 |
| Net loans and leases to core deposits | 75.8747% | 3,634 |
| Total domestic deposits to total assets | 78.9881% | 6,078 |
| Equity capital to assets | 10.8354% | 3,100 |
| Core capital (leverage) ratio | 10.2842% | 3,014 |
| Tier 1 risk-based capital ratio | 17.9244% | 2,323 |
| Total risk-based capital ratio | 19.1773% | 2,289 |
| Memoranda: | ||
| Average total assets | $395,607,500 | 1,680 |
| Average earning assets | $372,467,000 | 1,631 |
| Average equity | $42,758,500 | 1,624 |
| Average total loans | $227,490,000 | 1,809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 6,335 |
| Cost of funding earning assets | 0.7420% | 5,265 |
| Net interest margin | 3.3208% | 5,752 |
| Noninterest income to average assets | 0.7656% | 2,260 |
| Noninterest expense to average assets | 2.4559% | 5,617 |
| Loan and lease loss provision to assets | 0.1058% | 5,265 |
| Net operating income to assets | 0.8691% | 2,738 |
| Return on assets (ROA) | 0.8813% | 2,816 |
| Pretax return on assets | 1.3472% | 1,958 |
| Return on Equity (ROE) | 8.3180% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.3180% | 979 |
| Net charge-offs to loans | 0.1678% | 4,809 |
| Credit loss provision to net charge-offs | 108.2888% | 3,115 |
| Earnings coverage of net charge-offs (x) | 14.6765% | 1,440 |
| Efficiency ratio | 61.8015% | 5,487 |
| Assets per employee ($millions) | 6.2430% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,778 |
| Loan loss allowance to noncurrent loans | 45.3469% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.7284% | 3,359 |
| Noncurrent loans to loans | 2.9239% | 2,227 |
| Net loans and leases to total assets | 57.2577% | 4,504 |
| Net loans and leases to deposits | 72.6924% | 3,707 |
| Net loans and leases to core deposits | 78.1320% | 3,670 |
| Total domestic deposits to total assets | 78.7670% | 6,046 |
| Equity capital to assets | 10.7809% | 3,214 |
| Core capital (leverage) ratio | 10.2173% | 3,070 |
| Tier 1 risk-based capital ratio | 17.4233% | 2,408 |
| Total risk-based capital ratio | 18.6744% | 2,377 |
| Memoranda: | ||
| Average total assets | $382,712,200 | 1,690 |
| Average earning assets | $360,094,800 | 1,643 |
| Average equity | $40,550,400 | 1,661 |
| Average total loans | $222,834,200 | 1,852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 6,414 |
| Cost of funding earning assets | 0.7648% | 5,369 |
| Net interest margin | 3.3351% | 5,755 |
| Noninterest income to average assets | 0.7420% | 2,357 |
| Noninterest expense to average assets | 2.4329% | 5,682 |
| Loan and lease loss provision to assets | 0.0982% | 5,228 |
| Net operating income to assets | 0.8827% | 2,810 |
| Return on assets (ROA) | 0.8991% | 2,888 |
| Pretax return on assets | 1.3738% | 2,029 |
| Return on Equity (ROE) | 8.5245% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.5245% | 1,305 |
| Net charge-offs to loans | 0.2089% | 4,126 |
| Credit loss provision to net charge-offs | 80.6916% | 4,119 |
| Earnings coverage of net charge-offs (x) | 11.8846% | 1,768 |
| Efficiency ratio | 61.3708% | 5,504 |
| Assets per employee ($millions) | 6.1666% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 5,030 |
| Loan loss allowance to noncurrent loans | 46.4541% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 3,532 |
| Noncurrent loans to loans | 2.7891% | 2,500 |
| Net loans and leases to total assets | 58.3413% | 4,450 |
| Net loans and leases to deposits | 74.2813% | 3,615 |
| Net loans and leases to core deposits | 78.2785% | 3,860 |
| Total domestic deposits to total assets | 78.5411% | 6,087 |
| Equity capital to assets | 10.9680% | 3,178 |
| Core capital (leverage) ratio | 10.2984% | 3,085 |
| Tier 1 risk-based capital ratio | 17.6501% | 2,377 |
| Total risk-based capital ratio | 18.9012% | 2,344 |
| Memoranda: | ||
| Average total assets | $380,063,250 | 1,713 |
| Average earning assets | $357,565,000 | 1,658 |
| Average equity | $40,087,500 | 1,679 |
| Average total loans | $221,486,500 | 1,878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 6,528 |
| Cost of funding earning assets | 0.7813% | 5,505 |
| Net interest margin | 3.3006% | 5,858 |
| Noninterest income to average assets | 0.7340% | 2,352 |
| Noninterest expense to average assets | 2.4112% | 5,810 |
| Loan and lease loss provision to assets | 0.1055% | 4,988 |
| Net operating income to assets | 0.8632% | 2,807 |
| Return on assets (ROA) | 0.8632% | 2,895 |
| Pretax return on assets | 1.3203% | 2,075 |
| Return on Equity (ROE) | 8.2945% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.2945% | 1,346 |
| Net charge-offs to loans | 0.3137% | 3,303 |
| Credit loss provision to net charge-offs | 57.9710% | 4,393 |
| Earnings coverage of net charge-offs (x) | 7.8377% | 2,158 |
| Efficiency ratio | 61.4814% | 5,659 |
| Assets per employee ($millions) | 6.2699% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,967 |
| Loan loss allowance to noncurrent loans | 58.4426% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 4,310 |
| Noncurrent loans to loans | 2.2600% | 3,152 |
| Net loans and leases to total assets | 55.6790% | 5,040 |
| Net loans and leases to deposits | 70.7537% | 4,330 |
| Net loans and leases to core deposits | 74.3720% | 4,533 |
| Total domestic deposits to total assets | 78.6941% | 6,149 |
| Equity capital to assets | 10.4591% | 3,558 |
| Core capital (leverage) ratio | 9.8663% | 3,429 |
| Tier 1 risk-based capital ratio | 17.3487% | 2,395 |
| Total risk-based capital ratio | 18.6001% | 2,369 |
| Memoranda: | ||
| Average total assets | $379,307,330 | 1,728 |
| Average earning assets | $356,597,330 | 1,676 |
| Average equity | $39,472,000 | 1,695 |
| Average total loans | $219,987,000 | 1,910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 6,550 |
| Cost of funding earning assets | 0.7872% | 5,626 |
| Net interest margin | 3.2900% | 5,815 |
| Noninterest income to average assets | 0.7336% | 2,368 |
| Noninterest expense to average assets | 2.5040% | 5,533 |
| Loan and lease loss provision to assets | 0.0534% | 5,336 |
| Net operating income to assets | 0.8244% | 2,912 |
| Return on assets (ROA) | 0.8244% | 2,970 |
| Pretax return on assets | 1.2643% | 2,149 |
| Return on Equity (ROE) | 7.9426% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.9426% | 1,753 |
| Net charge-offs to loans | 0.5756% | 2,051 |
| Credit loss provision to net charge-offs | 15.7729% | 4,318 |
| Earnings coverage of net charge-offs (x) | 3.8927% | 2,610 |
| Efficiency ratio | 64.1520% | 5,343 |
| Assets per employee ($millions) | 6.2003% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 5,102 |
| Loan loss allowance to noncurrent loans | 62.1693% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 4,512 |
| Noncurrent loans to loans | 2.1002% | 3,443 |
| Net loans and leases to total assets | 56.8188% | 4,843 |
| Net loans and leases to deposits | 71.5748% | 4,127 |
| Net loans and leases to core deposits | 75.0055% | 4,429 |
| Total domestic deposits to total assets | 79.3838% | 6,094 |
| Equity capital to assets | 10.3760% | 3,318 |
| Core capital (leverage) ratio | 9.8811% | 3,298 |
| Tier 1 risk-based capital ratio | 17.3427% | 2,358 |
| Total risk-based capital ratio | 18.5940% | 2,335 |
| Memoranda: | ||
| Average total assets | $374,595,000 | 1,755 |
| Average earning assets | $351,607,500 | 1,707 |
| Average equity | $38,879,000 | 1,711 |
| Average total loans | $220,311,000 | 1,923 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 6,675 |
| Cost of funding earning assets | 0.9679% | 5,855 |
| Net interest margin | 3.4018% | 5,627 |
| Noninterest income to average assets | 0.8324% | 2,131 |
| Noninterest expense to average assets | 2.4649% | 5,903 |
| Loan and lease loss provision to assets | 0.2777% | 4,585 |
| Net operating income to assets | 0.7766% | 2,891 |
| Return on assets (ROA) | 0.6663% | 3,505 |
| Pretax return on assets | 1.1055% | 2,558 |
| Return on Equity (ROE) | 6.5693% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.5693% | 1,525 |
| Net charge-offs to loans | 0.5971% | 3,240 |
| Credit loss provision to net charge-offs | 76.8357% | 5,668 |
| Earnings coverage of net charge-offs (x) | 4.3036% | 2,976 |
| Efficiency ratio | 59.9469% | 6,060 |
| Assets per employee ($millions) | 5.9834% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 4,533 |
| Loan loss allowance to noncurrent loans | 89.5767% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 4,945 |
| Noncurrent loans to loans | 1.5582% | 4,161 |
| Net loans and leases to total assets | 59.2414% | 4,799 |
| Net loans and leases to deposits | 74.8654% | 4,053 |
| Net loans and leases to core deposits | 78.5754% | 4,388 |
| Total domestic deposits to total assets | 79.1305% | 6,054 |
| Equity capital to assets | 10.3819% | 3,294 |
| Core capital (leverage) ratio | 9.8558% | 3,258 |
| Tier 1 risk-based capital ratio | 16.6655% | 2,470 |
| Total risk-based capital ratio | 17.9183% | 2,434 |
| Memoranda: | ||
| Average total assets | $365,451,200 | 1,794 |
| Average earning assets | $342,494,600 | 1,746 |
| Average equity | $37,066,200 | 1,788 |
| Average total loans | $221,232,200 | 1,962 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 6,792 |
| Cost of funding earning assets | 1.0012% | 5,934 |
| Net interest margin | 3.4173% | 5,611 |
| Noninterest income to average assets | 0.7837% | 2,311 |
| Noninterest expense to average assets | 2.4775% | 5,797 |
| Loan and lease loss provision to assets | 0.3442% | 3,860 |
| Net operating income to assets | 0.6875% | 3,479 |
| Return on assets (ROA) | 0.5398% | 4,305 |
| Pretax return on assets | 0.9324% | 3,439 |
| Return on Equity (ROE) | 5.3544% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.3544% | 2,734 |
| Net charge-offs to loans | 0.7487% | 2,550 |
| Credit loss provision to net charge-offs | 75.8065% | 5,260 |
| Earnings coverage of net charge-offs (x) | 3.3194% | 3,493 |
| Efficiency ratio | 60.7940% | 5,826 |
| Assets per employee ($millions) | 5.6164% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,366 |
| Loan loss allowance to noncurrent loans | 79.9743% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,989 |
| Noncurrent loans to loans | 1.7710% | 3,990 |
| Net loans and leases to total assets | 58.4911% | 5,184 |
| Net loans and leases to deposits | 75.2000% | 4,319 |
| Net loans and leases to core deposits | 79.1068% | 4,644 |
| Total domestic deposits to total assets | 77.7807% | 6,297 |
| Equity capital to assets | 10.2697% | 3,803 |
| Core capital (leverage) ratio | 9.6086% | 3,753 |
| Tier 1 risk-based capital ratio | 16.4714% | 2,569 |
| Total risk-based capital ratio | 17.7246% | 2,522 |
| Memoranda: | ||
| Average total assets | $364,071,000 | 1,822 |
| Average earning assets | $341,040,750 | 1,780 |
| Average equity | $36,704,250 | 1,823 |
| Average total loans | $220,820,250 | 1,994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 6,751 |
| Cost of funding earning assets | 1.0361% | 5,981 |
| Net interest margin | 3.4453% | 5,456 |
| Noninterest income to average assets | 0.7804% | 2,231 |
| Noninterest expense to average assets | 2.4799% | 5,795 |
| Loan and lease loss provision to assets | 0.4200% | 3,218 |
| Net operating income to assets | 0.6132% | 3,824 |
| Return on assets (ROA) | 0.3908% | 4,952 |
| Pretax return on assets | 0.7583% | 4,033 |
| Return on Equity (ROE) | 3.9007% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.9007% | 3,606 |
| Net charge-offs to loans | 0.9407% | 1,957 |
| Credit loss provision to net charge-offs | 73.0769% | 4,891 |
| Earnings coverage of net charge-offs (x) | 2.6548% | 3,671 |
| Efficiency ratio | 60.5270% | 5,950 |
| Assets per employee ($millions) | 5.4881% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,216 |
| Loan loss allowance to noncurrent loans | 85.5155% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 5,114 |
| Noncurrent loans to loans | 1.6877% | 4,159 |
| Net loans and leases to total assets | 58.2223% | 5,378 |
| Net loans and leases to deposits | 74.3864% | 4,612 |
| Net loans and leases to core deposits | 77.7026% | 5,000 |
| Total domestic deposits to total assets | 78.2701% | 6,206 |
| Equity capital to assets | 10.0826% | 3,905 |
| Core capital (leverage) ratio | 9.4631% | 3,871 |
| Tier 1 risk-based capital ratio | 16.3360% | 2,539 |
| Total risk-based capital ratio | 17.5895% | 2,482 |
| Memoranda: | ||
| Average total assets | $361,867,330 | 1,846 |
| Average earning assets | $338,784,670 | 1,808 |
| Average equity | $36,249,670 | 1,840 |
| Average total loans | $221,116,670 | 2,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 6,601 |
| Cost of funding earning assets | 1.0757% | 6,017 |
| Net interest margin | 3.5083% | 5,121 |
| Noninterest income to average assets | 0.7600% | 2,235 |
| Noninterest expense to average assets | 2.4583% | 5,879 |
| Loan and lease loss provision to assets | 0.6519% | 1,948 |
| Net operating income to assets | 0.3906% | 4,877 |
| Return on assets (ROA) | -0.0501% | 6,455 |
| Pretax return on assets | 0.2429% | 5,762 |
| Return on Equity (ROE) | -0.5023% | 6,470 |
| Retained earnings to average equity (ytd only) | -0.5023% | 5,950 |
| Net charge-offs to loans | 1.8040% | 962 |
| Credit loss provision to net charge-offs | 58.1511% | 4,337 |
| Earnings coverage of net charge-offs (x) | 1.4125% | 3,900 |
| Efficiency ratio | 59.4431% | 6,270 |
| Assets per employee ($millions) | 5.7930% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,653 |
| Loan loss allowance to noncurrent loans | 63.0659% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 4,544 |
| Noncurrent loans to loans | 2.1482% | 3,589 |
| Net loans and leases to total assets | 60.7170% | 4,993 |
| Net loans and leases to deposits | 76.8298% | 4,249 |
| Net loans and leases to core deposits | 80.9142% | 4,641 |
| Total domestic deposits to total assets | 79.0279% | 6,070 |
| Equity capital to assets | 10.0624% | 3,786 |
| Core capital (leverage) ratio | 9.4566% | 3,837 |
| Tier 1 risk-based capital ratio | 15.9661% | 2,670 |
| Total risk-based capital ratio | 17.2184% | 2,616 |
| Memoranda: | ||
| Average total assets | $358,950,500 | 1,909 |
| Average earning assets | $335,779,500 | 1,864 |
| Average equity | $35,837,500 | 1,879 |
| Average total loans | $223,065,500 | 2,049 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 6,745 |
| Cost of funding earning assets | 1.5723% | 5,170 |
| Net interest margin | 3.3131% | 5,690 |
| Noninterest income to average assets | 0.8539% | 2,165 |
| Noninterest expense to average assets | 2.5280% | 6,035 |
| Loan and lease loss provision to assets | 0.3106% | 4,962 |
| Net operating income to assets | 0.7469% | 2,736 |
| Return on assets (ROA) | 0.7541% | 2,794 |
| Pretax return on assets | 1.1299% | 2,160 |
| Return on Equity (ROE) | 7.6242% | 2,532 |
| Retained earnings to average equity (ytd only) | 7.6242% | 798 |
| Net charge-offs to loans | 0.0137% | 7,026 |
| Credit loss provision to net charge-offs | 3,566.6667% | 99 |
| Earnings coverage of net charge-offs (x) | 164.2000% | 178 |
| Efficiency ratio | 62.4157% | 6,071 |
| Assets per employee ($millions) | 5.6052% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 3,635 |
| Loan loss allowance to noncurrent loans | 58.2963% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.6628% | 3,876 |
| Noncurrent loans to loans | 2.6029% | 2,955 |
| Net loans and leases to total assets | 61.7855% | 5,033 |
| Net loans and leases to deposits | 78.7201% | 4,228 |
| Net loans and leases to core deposits | 96.3699% | 4,415 |
| Total domestic deposits to total assets | 78.4876% | 6,122 |
| Equity capital to assets | 9.9054% | 3,889 |
| Core capital (leverage) ratio | 9.2940% | 3,986 |
| Tier 1 risk-based capital ratio | 15.0703% | 2,903 |
| Total risk-based capital ratio | 16.3245% | 2,852 |
| Memoranda: | ||
| Average total assets | $344,535,400 | 1,982 |
| Average earning assets | $322,780,600 | 1,925 |
| Average equity | $34,075,800 | 1,969 |
| Average total loans | $218,754,800 | 2,114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 6,844 |
| Cost of funding earning assets | 1.6691% | 5,064 |
| Net interest margin | 3.2469% | 5,850 |
| Noninterest income to average assets | 0.8579% | 2,164 |
| Noninterest expense to average assets | 2.4974% | 6,073 |
| Loan and lease loss provision to assets | 0.2346% | 5,099 |
| Net operating income to assets | 0.7833% | 2,885 |
| Return on assets (ROA) | 0.7930% | 2,906 |
| Pretax return on assets | 1.1852% | 2,315 |
| Return on Equity (ROE) | 8.0209% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.0209% | 1,128 |
| Net charge-offs to loans | 0.0092% | 6,823 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 239.5940% | 160 |
| Efficiency ratio | 62.4987% | 6,019 |
| Assets per employee ($millions) | 5.7510% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 4,341 |
| Loan loss allowance to noncurrent loans | 91.2735% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 4,979 |
| Noncurrent loans to loans | 1.4541% | 4,497 |
| Net loans and leases to total assets | 62.7318% | 5,117 |
| Net loans and leases to deposits | 81.2819% | 4,153 |
| Net loans and leases to core deposits | 99.8824% | 4,385 |
| Total domestic deposits to total assets | 77.1780% | 6,297 |
| Equity capital to assets | 10.0385% | 4,042 |
| Core capital (leverage) ratio | 9.3417% | 4,124 |
| Tier 1 risk-based capital ratio | 15.1933% | 2,956 |
| Total risk-based capital ratio | 16.4456% | 2,896 |
| Memoranda: | ||
| Average total assets | $340,986,000 | 2,014 |
| Average earning assets | $319,764,250 | 1,960 |
| Average equity | $33,711,250 | 2,009 |
| Average total loans | $217,178,500 | 2,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9514% | 6,917 |
| Cost of funding earning assets | 1.7606% | 4,947 |
| Net interest margin | 3.1909% | 5,951 |
| Noninterest income to average assets | 0.8623% | 2,139 |
| Noninterest expense to average assets | 2.5264% | 6,032 |
| Loan and lease loss provision to assets | 0.2369% | 4,694 |
| Net operating income to assets | 0.7351% | 3,114 |
| Return on assets (ROA) | 0.7498% | 3,151 |
| Pretax return on assets | 1.1134% | 2,586 |
| Return on Equity (ROE) | 7.6243% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.6243% | 1,342 |
| Net charge-offs to loans | 0.0149% | 6,326 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 140.1875% | 284 |
| Efficiency ratio | 64.0191% | 5,913 |
| Assets per employee ($millions) | 5.5542% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,460 |
| Loan loss allowance to noncurrent loans | 98.4303% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 5,092 |
| Noncurrent loans to loans | 1.2909% | 4,618 |
| Net loans and leases to total assets | 62.2523% | 5,318 |
| Net loans and leases to deposits | 78.1384% | 4,847 |
| Net loans and leases to core deposits | 97.6847% | 4,729 |
| Total domestic deposits to total assets | 79.6692% | 5,566 |
| Equity capital to assets | 9.8658% | 4,127 |
| Core capital (leverage) ratio | 9.2680% | 4,215 |
| Tier 1 risk-based capital ratio | 15.2968% | 2,886 |
| Total risk-based capital ratio | 16.5483% | 2,824 |
| Memoranda: | ||
| Average total assets | $337,711,000 | 2,053 |
| Average earning assets | $316,716,330 | 2,011 |
| Average equity | $33,209,670 | 2,046 |
| Average total loans | $215,228,000 | 2,195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 6,845 |
| Cost of funding earning assets | 1.7932% | 5,142 |
| Net interest margin | 3.2425% | 5,719 |
| Noninterest income to average assets | 0.8134% | 2,264 |
| Noninterest expense to average assets | 2.5444% | 5,671 |
| Loan and lease loss provision to assets | 0.2392% | 4,069 |
| Net operating income to assets | 0.7259% | 3,437 |
| Return on assets (ROA) | 0.7560% | 3,500 |
| Pretax return on assets | 1.1197% | 2,913 |
| Return on Equity (ROE) | 7.7009% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.7009% | 1,929 |
| Net charge-offs to loans | -0.0019% | 7,109 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3831% | 5,611 |
| Assets per employee ($millions) | 5.9543% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 4,872 |
| Loan loss allowance to noncurrent loans | 101.0597% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 4,987 |
| Noncurrent loans to loans | 1.1775% | 4,625 |
| Net loans and leases to total assets | 62.9988% | 5,163 |
| Net loans and leases to deposits | 79.9199% | 4,630 |
| Net loans and leases to core deposits | 103.2578% | 4,223 |
| Total domestic deposits to total assets | 78.8274% | 5,782 |
| Equity capital to assets | 9.8118% | 4,228 |
| Core capital (leverage) ratio | 9.1989% | 4,399 |
| Tier 1 risk-based capital ratio | 15.0173% | 3,060 |
| Total risk-based capital ratio | 16.2674% | 2,997 |
| Memoranda: | ||
| Average total assets | $334,386,500 | 2,084 |
| Average earning assets | $314,078,000 | 2,039 |
| Average equity | $32,827,500 | 2,063 |
| Average total loans | $214,276,500 | 2,227 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3479% | 7,540 |
| Cost of funding earning assets | 2.1616% | 5,772 |
| Net interest margin | 3.1862% | 6,404 |
| Noninterest income to average assets | 0.7724% | 2,654 |
| Noninterest expense to average assets | 2.3066% | 6,679 |
| Loan and lease loss provision to assets | 0.1737% | 5,166 |
| Net operating income to assets | 0.8559% | 3,200 |
| Return on assets (ROA) | 0.8989% | 2,845 |
| Pretax return on assets | 1.3465% | 2,145 |
| Return on Equity (ROE) | 9.4537% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.4537% | 529 |
| Net charge-offs to loans | 0.0010% | 7,027 |
| Credit loss provision to net charge-offs | 28,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 2,347.0000% | 6 |
| Efficiency ratio | 59.6538% | 6,411 |
| Assets per employee ($millions) | 5.8817% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,140 |
| Loan loss allowance to noncurrent loans | 97.2165% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 4,905 |
| Noncurrent loans to loans | 1.1515% | 4,235 |
| Net loans and leases to total assets | 63.6923% | 5,343 |
| Net loans and leases to deposits | 80.9776% | 4,876 |
| Net loans and leases to core deposits | 104.9707% | 4,298 |
| Total domestic deposits to total assets | 78.6542% | 5,499 |
| Equity capital to assets | 9.8228% | 4,258 |
| Core capital (leverage) ratio | 9.3442% | 4,243 |
| Tier 1 risk-based capital ratio | 14.8685% | 3,116 |
| Total risk-based capital ratio | 16.0443% | 3,069 |
| Memoranda: | ||
| Average total assets | $322,379,600 | 2,071 |
| Average earning assets | $302,551,200 | 2,021 |
| Average equity | $30,654,800 | 2,199 |
| Average total loans | $203,857,200 | 2,263 |