Home > Bath Savings Institution > Performance and Condition Ratios
Bath Savings Institution, 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 | 4.3038% | 3,440 |
| Cost of funding earning assets | 1.5745% | 1,761 |
| Net interest margin | 2.7294% | 3,776 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.3718% | 2,661 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8388% | 2,746 |
| Return on assets (ROA) | 1.2157% | 1,585 |
| Pretax return on assets | 1.4679% | 1,493 |
| Return on Equity (ROE) | 9.9200% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.9207% | 1,033 |
| Net charge-offs to loans | 0.0061% | 2,467 |
| Credit loss provision to net charge-offs | 929.7872% | 434 |
| Earnings coverage of net charge-offs (x) | 288.4894% | 443 |
| Efficiency ratio | 69.5249% | 1,950 |
| Assets per employee ($millions) | 7.6564% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,461 |
| Loan loss allowance to noncurrent loans | 2,806.1224% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 3,480 |
| Noncurrent loans to loans | 0.0492% | 3,377 |
| Net loans and leases to total assets | 57.9900% | 3,037 |
| Net loans and leases to deposits | 74.6799% | 2,566 |
| Net loans and leases to core deposits | 80.3868% | 2,686 |
| Total domestic deposits to total assets | 77.6500% | 3,771 |
| Equity capital to assets | 12.7206% | 936 |
| Core capital (leverage) ratio | 15.0877% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,304,222,800 | 804 |
| Average earning assets | $1,220,609,800 | 784 |
| Average equity | $159,828,000 | 643 |
| Average total loans | $765,228,200 | 895 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 3,347 |
| Cost of funding earning assets | 1.4598% | 1,710 |
| Net interest margin | 2.8078% | 3,714 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.4996% | 2,229 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7528% | 3,159 |
| Return on assets (ROA) | 0.9810% | 2,415 |
| Pretax return on assets | 1.1672% | 2,371 |
| Return on Equity (ROE) | 8.0900% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.0855% | 1,934 |
| Net charge-offs to loans | 0.0016% | 2,537 |
| Credit loss provision to net charge-offs | 5,844.4444% | 95 |
| Earnings coverage of net charge-offs (x) | 1,022.3333% | 154 |
| Efficiency ratio | 72.4628% | 1,520 |
| Assets per employee ($millions) | 7.2272% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,346 |
| Loan loss allowance to noncurrent loans | 32,723.5294% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,851 |
| Noncurrent loans to loans | 0.0044% | 3,783 |
| Net loans and leases to total assets | 59.7500% | 2,869 |
| Net loans and leases to deposits | 75.7434% | 2,436 |
| Net loans and leases to core deposits | 80.2307% | 2,582 |
| Total domestic deposits to total assets | 78.8900% | 3,711 |
| Equity capital to assets | 11.8659% | 1,074 |
| Core capital (leverage) ratio | 14.7461% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,291,483,250 | 812 |
| Average earning assets | $1,207,934,000 | 794 |
| Average equity | $156,688,250 | 649 |
| Average total loans | $757,318,750 | 904 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,390 |
| Cost of funding earning assets | 1.3091% | 1,682 |
| Net interest margin | 2.8429% | 3,748 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.5146% | 2,162 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7398% | 3,242 |
| Return on assets (ROA) | 1.3329% | 1,471 |
| Pretax return on assets | 1.6180% | 1,375 |
| Return on Equity (ROE) | 10.9100% | 2,442 |
| Retained earnings to average equity (ytd only) | 10.9064% | 1,200 |
| Net charge-offs to loans | 0.0029% | 2,235 |
| Credit loss provision to net charge-offs | 3,190.9091% | 169 |
| Earnings coverage of net charge-offs (x) | 557.9091% | 261 |
| Efficiency ratio | 72.5978% | 1,497 |
| Assets per employee ($millions) | 7.1538% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,494 |
| Loan loss allowance to noncurrent loans | 3,737.2014% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,593 |
| Noncurrent loans to loans | 0.0377% | 3,461 |
| Net loans and leases to total assets | 58.1600% | 2,952 |
| Net loans and leases to deposits | 74.4998% | 2,446 |
| Net loans and leases to core deposits | 79.5261% | 2,502 |
| Total domestic deposits to total assets | 78.0700% | 3,842 |
| Equity capital to assets | 12.2628% | 983 |
| Core capital (leverage) ratio | 14.7953% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,293,166,000 | 798 |
| Average earning assets | $1,210,324,000 | 785 |
| Average equity | $158,035,333 | 640 |
| Average total loans | $749,825,333 | 896 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 3,327 |
| Cost of funding earning assets | 1.0799% | 1,810 |
| Net interest margin | 2.9879% | 3,632 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.5406% | 2,130 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8164% | 3,145 |
| Return on assets (ROA) | 1.3171% | 1,599 |
| Pretax return on assets | 1.5821% | 1,508 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.7966% | 1,516 |
| Net charge-offs to loans | 0.0038% | 1,852 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 243 |
| Efficiency ratio | 71.0855% | 1,632 |
| Assets per employee ($millions) | 6.9905% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,460 |
| Loan loss allowance to noncurrent loans | 5,132.3810% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,664 |
| Noncurrent loans to loans | 0.0281% | 3,565 |
| Net loans and leases to total assets | 57.3300% | 2,927 |
| Net loans and leases to deposits | 71.9620% | 2,472 |
| Net loans and leases to core deposits | 76.8292% | 2,473 |
| Total domestic deposits to total assets | 79.6600% | 3,812 |
| Equity capital to assets | 12.6141% | 845 |
| Core capital (leverage) ratio | 14.7466% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,281,602,500 | 824 |
| Average earning assets | $1,199,760,500 | 806 |
| Average equity | $156,346,000 | 658 |
| Average total loans | $736,470,500 | 923 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3718% | 3,414 |
| Cost of funding earning assets | 0.4212% | 1,928 |
| Net interest margin | 2.9505% | 3,570 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.3259% | 2,654 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1620% | 1,926 |
| Return on assets (ROA) | 0.6331% | 3,749 |
| Pretax return on assets | 0.6901% | 3,868 |
| Return on Equity (ROE) | 4.9600% | 4,031 |
| Retained earnings to average equity (ytd only) | 4.9629% | 3,070 |
| Net charge-offs to loans | 0.0025% | 2,421 |
| Credit loss provision to net charge-offs | 3,329.4118% | 177 |
| Earnings coverage of net charge-offs (x) | 957.4118% | 182 |
| Efficiency ratio | 63.9609% | 2,498 |
| Assets per employee ($millions) | 7.0162% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,573 |
| Loan loss allowance to noncurrent loans | 4,901.9608% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,693 |
| Noncurrent loans to loans | 0.0281% | 3,588 |
| Net loans and leases to total assets | 55.9800% | 3,036 |
| Net loans and leases to deposits | 67.7102% | 2,747 |
| Net loans and leases to core deposits | 71.3097% | 2,772 |
| Total domestic deposits to total assets | 82.6700% | 3,495 |
| Equity capital to assets | 11.7813% | 997 |
| Core capital (leverage) ratio | 14.4487% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,241,917,600 | 830 |
| Average earning assets | $1,167,252,600 | 813 |
| Average equity | $158,436,000 | 653 |
| Average total loans | $687,911,800 | 923 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 3,447 |
| Cost of funding earning assets | 0.2978% | 2,192 |
| Net interest margin | 2.8990% | 3,505 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.4531% | 2,151 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1232% | 1,991 |
| Return on assets (ROA) | 0.1275% | 4,498 |
| Pretax return on assets | 0.0661% | 4,531 |
| Return on Equity (ROE) | 0.9800% | 4,497 |
| Retained earnings to average equity (ytd only) | 0.9798% | 4,217 |
| Net charge-offs to loans | 0.0026% | 2,165 |
| Credit loss provision to net charge-offs | 3,861.5385% | 146 |
| Earnings coverage of net charge-offs (x) | 794.0000% | 205 |
| Efficiency ratio | 68.7316% | 1,924 |
| Assets per employee ($millions) | 6.7896% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,592 |
| Loan loss allowance to noncurrent loans | 3,976.0000% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,746 |
| Noncurrent loans to loans | 0.0353% | 3,641 |
| Net loans and leases to total assets | 55.2200% | 2,981 |
| Net loans and leases to deposits | 66.9017% | 2,641 |
| Net loans and leases to core deposits | 70.3841% | 2,616 |
| Total domestic deposits to total assets | 82.5400% | 3,747 |
| Equity capital to assets | 11.3353% | 1,061 |
| Core capital (leverage) ratio | 14.1925% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,233,159,250 | 839 |
| Average earning assets | $1,160,144,750 | 820 |
| Average equity | $160,434,500 | 654 |
| Average total loans | $678,686,500 | 929 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0438% | 3,443 |
| Cost of funding earning assets | 0.2118% | 2,756 |
| Net interest margin | 2.8320% | 3,343 |
| Noninterest income to average assets | 0.8656% | 913 |
| Noninterest expense to average assets | 2.5030% | 1,918 |
| Loan and lease loss provision to assets | 0.0548% | 1,597 |
| Net operating income to assets | 0.8466% | 2,792 |
| Return on assets (ROA) | -0.1565% | 4,604 |
| Pretax return on assets | -0.2927% | 4,621 |
| Return on Equity (ROE) | -1.1516% | 4,595 |
| Retained earnings to average equity (ytd only) | -1.1516% | 4,308 |
| Net charge-offs to loans | 0.0024% | 2,009 |
| Credit loss provision to net charge-offs | 4,187.5000% | 127 |
| Earnings coverage of net charge-offs (x) | 788.8750% | 180 |
| Efficiency ratio | 70.8094% | 1,851 |
| Assets per employee ($millions) | 6.5598% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,710 |
| Loan loss allowance to noncurrent loans | 3,529.9639% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,779 |
| Noncurrent loans to loans | 0.0400% | 3,646 |
| Net loans and leases to total assets | 55.3934% | 2,814 |
| Net loans and leases to deposits | 66.5588% | 2,503 |
| Net loans and leases to core deposits | 70.6185% | 2,437 |
| Total domestic deposits to total assets | 83.2248% | 3,829 |
| Equity capital to assets | 12.3559% | 789 |
| Core capital (leverage) ratio | 14.5080% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,223,258,333 | 844 |
| Average earning assets | $1,152,978,667 | 828 |
| Average equity | $166,196,333 | 637 |
| Average total loans | $669,159,000 | 930 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9708% | 3,337 |
| Cost of funding earning assets | 0.1724% | 3,191 |
| Net interest margin | 2.7985% | 3,148 |
| Noninterest income to average assets | 0.9450% | 768 |
| Noninterest expense to average assets | 2.5101% | 1,862 |
| Loan and lease loss provision to assets | 0.0548% | 1,397 |
| Net operating income to assets | 1.0526% | 1,679 |
| Return on assets (ROA) | 0.1783% | 4,328 |
| Pretax return on assets | 0.1445% | 4,399 |
| Return on Equity (ROE) | 1.2547% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.2547% | 3,763 |
| Net charge-offs to loans | 0.0006% | 1,823 |
| Credit loss provision to net charge-offs | 16,700.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 3,270.0000% | 14 |
| Efficiency ratio | 70.0412% | 2,223 |
| Assets per employee ($millions) | 6.5577% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,737 |
| Loan loss allowance to noncurrent loans | 3,816.2698% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,837 |
| Noncurrent loans to loans | 0.0379% | 3,708 |
| Net loans and leases to total assets | 54.3802% | 2,706 |
| Net loans and leases to deposits | 66.6355% | 2,281 |
| Net loans and leases to core deposits | 70.8290% | 2,223 |
| Total domestic deposits to total assets | 81.6085% | 4,128 |
| Equity capital to assets | 13.6187% | 583 |
| Core capital (leverage) ratio | 14.8486% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,218,264,500 | 847 |
| Average earning assets | $1,148,769,500 | 831 |
| Average equity | $173,105,000 | 629 |
| Average total loans | $657,281,000 | 936 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 3,743 |
| Cost of funding earning assets | 0.1992% | 3,470 |
| Net interest margin | 2.8723% | 3,506 |
| Noninterest income to average assets | 1.1856% | 755 |
| Noninterest expense to average assets | 2.3631% | 2,609 |
| Loan and lease loss provision to assets | 0.0561% | 1,926 |
| Net operating income to assets | 1.2094% | 1,894 |
| Return on assets (ROA) | 1.6380% | 765 |
| Pretax return on assets | 2.0105% | 590 |
| Return on Equity (ROE) | 11.2962% | 2,054 |
| Retained earnings to average equity (ytd only) | 11.2962% | 649 |
| Net charge-offs to loans | 0.0050% | 2,416 |
| Credit loss provision to net charge-offs | 2,056.2500% | 308 |
| Earnings coverage of net charge-offs (x) | 563.4375% | 251 |
| Efficiency ratio | 60.5833% | 3,065 |
| Assets per employee ($millions) | 6.5770% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,707 |
| Loan loss allowance to noncurrent loans | 3,905.3719% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,939 |
| Noncurrent loans to loans | 0.0373% | 3,809 |
| Net loans and leases to total assets | 51.9820% | 3,069 |
| Net loans and leases to deposits | 65.1266% | 2,587 |
| Net loans and leases to core deposits | 68.5968% | 2,597 |
| Total domestic deposits to total assets | 79.8169% | 4,238 |
| Equity capital to assets | 14.7884% | 521 |
| Core capital (leverage) ratio | 14.9650% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9579% | 350 |
| Memoranda: | ||
| Average total assets | $1,172,694,200 | 845 |
| Average earning assets | $1,108,462,400 | 829 |
| Average equity | $170,048,400 | 632 |
| Average total loans | $643,693,800 | 942 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1052% | 3,795 |
| Cost of funding earning assets | 0.2047% | 3,559 |
| Net interest margin | 2.9005% | 3,550 |
| Noninterest income to average assets | 1.1845% | 812 |
| Noninterest expense to average assets | 2.4241% | 2,358 |
| Loan and lease loss provision to assets | 0.0553% | 1,880 |
| Net operating income to assets | 1.1862% | 2,216 |
| Return on assets (ROA) | 1.3902% | 1,638 |
| Pretax return on assets | 1.6954% | 1,415 |
| Return on Equity (ROE) | 9.6377% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.6377% | 1,441 |
| Net charge-offs to loans | 0.0060% | 2,099 |
| Credit loss provision to net charge-offs | 1,658.6207% | 371 |
| Earnings coverage of net charge-offs (x) | 450.0000% | 327 |
| Efficiency ratio | 61.7425% | 2,736 |
| Assets per employee ($millions) | 6.3659% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,848 |
| Loan loss allowance to noncurrent loans | 3,802.0492% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,060 |
| Noncurrent loans to loans | 0.0379% | 3,938 |
| Net loans and leases to total assets | 52.7767% | 3,113 |
| Net loans and leases to deposits | 66.2363% | 2,611 |
| Net loans and leases to core deposits | 69.6726% | 2,626 |
| Total domestic deposits to total assets | 79.6795% | 4,272 |
| Equity capital to assets | 14.3137% | 666 |
| Core capital (leverage) ratio | 14.7082% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5422% | 398 |
| Memoranda: | ||
| Average total assets | $1,158,390,750 | 864 |
| Average earning assets | $1,094,937,500 | 850 |
| Average equity | $167,089,500 | 654 |
| Average total loans | $642,421,750 | 958 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0964% | 3,881 |
| Cost of funding earning assets | 0.2099% | 3,654 |
| Net interest margin | 2.8865% | 3,606 |
| Noninterest income to average assets | 1.2289% | 771 |
| Noninterest expense to average assets | 2.4149% | 2,413 |
| Loan and lease loss provision to assets | 0.0619% | 1,803 |
| Net operating income to assets | 1.2135% | 2,137 |
| Return on assets (ROA) | 1.5101% | 1,328 |
| Pretax return on assets | 1.8409% | 1,141 |
| Return on Equity (ROE) | 10.4414% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.4414% | 1,273 |
| Net charge-offs to loans | 0.0115% | 1,729 |
| Credit loss provision to net charge-offs | 956.7568% | 488 |
| Earnings coverage of net charge-offs (x) | 238.1351% | 450 |
| Efficiency ratio | 61.0443% | 2,864 |
| Assets per employee ($millions) | 6.3856% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,854 |
| Loan loss allowance to noncurrent loans | 3,312.3188% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,106 |
| Noncurrent loans to loans | 0.0431% | 3,970 |
| Net loans and leases to total assets | 53.3802% | 3,208 |
| Net loans and leases to deposits | 66.6072% | 2,769 |
| Net loans and leases to core deposits | 70.2295% | 2,759 |
| Total domestic deposits to total assets | 80.1418% | 4,219 |
| Equity capital to assets | 14.3356% | 654 |
| Core capital (leverage) ratio | 14.9814% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6583% | 394 |
| Memoranda: | ||
| Average total assets | $1,143,468,000 | 867 |
| Average earning assets | $1,080,351,333 | 848 |
| Average equity | $165,380,333 | 651 |
| Average total loans | $641,807,333 | 965 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 3,854 |
| Cost of funding earning assets | 0.2159% | 3,765 |
| Net interest margin | 2.8967% | 3,535 |
| Noninterest income to average assets | 1.3072% | 749 |
| Noninterest expense to average assets | 2.3950% | 2,504 |
| Loan and lease loss provision to assets | 0.0630% | 1,877 |
| Net operating income to assets | 1.3206% | 1,758 |
| Return on assets (ROA) | 1.2556% | 2,039 |
| Pretax return on assets | 1.5110% | 1,963 |
| Return on Equity (ROE) | 8.6417% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.6417% | 2,052 |
| Net charge-offs to loans | 0.0068% | 1,652 |
| Credit loss provision to net charge-offs | 1,609.0909% | 291 |
| Earnings coverage of net charge-offs (x) | 422.2727% | 220 |
| Efficiency ratio | 59.1756% | 3,130 |
| Assets per employee ($millions) | 6.2075% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,953 |
| Loan loss allowance to noncurrent loans | 783.1882% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,681 |
| Noncurrent loans to loans | 0.1789% | 3,465 |
| Net loans and leases to total assets | 55.7064% | 3,078 |
| Net loans and leases to deposits | 69.6009% | 2,550 |
| Net loans and leases to core deposits | 73.6895% | 2,543 |
| Total domestic deposits to total assets | 80.0369% | 4,199 |
| Equity capital to assets | 14.3710% | 596 |
| Core capital (leverage) ratio | 14.9063% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9265% | 407 |
| Memoranda: | ||
| Average total assets | $1,124,531,000 | 869 |
| Average earning assets | $1,063,694,000 | 852 |
| Average equity | $163,394,000 | 654 |
| Average total loans | $642,838,500 | 959 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 3,824 |
| Cost of funding earning assets | 0.3739% | 3,746 |
| Net interest margin | 3.2205% | 3,303 |
| Noninterest income to average assets | 1.1878% | 785 |
| Noninterest expense to average assets | 2.4863% | 2,892 |
| Loan and lease loss provision to assets | 0.1297% | 2,741 |
| Net operating income to assets | 1.3013% | 1,245 |
| Return on assets (ROA) | 1.7674% | 447 |
| Pretax return on assets | 2.1793% | 311 |
| Return on Equity (ROE) | 11.9153% | 1,345 |
| Retained earnings to average equity (ytd only) | 11.9153% | 323 |
| Net charge-offs to loans | 0.0105% | 2,948 |
| Credit loss provision to net charge-offs | 1,960.2941% | 449 |
| Earnings coverage of net charge-offs (x) | 262.0735% | 379 |
| Efficiency ratio | 58.9189% | 3,598 |
| Assets per employee ($millions) | 6.0494% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 2,104 |
| Loan loss allowance to noncurrent loans | 591.0918% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 3,615 |
| Noncurrent loans to loans | 0.2319% | 3,368 |
| Net loans and leases to total assets | 57.0531% | 3,197 |
| Net loans and leases to deposits | 71.6904% | 2,716 |
| Net loans and leases to core deposits | 76.1750% | 2,718 |
| Total domestic deposits to total assets | 79.5826% | 4,120 |
| Equity capital to assets | 14.6922% | 635 |
| Core capital (leverage) ratio | 15.1240% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2540% | 376 |
| Memoranda: | ||
| Average total assets | $1,027,973,200 | 861 |
| Average earning assets | $967,849,800 | 843 |
| Average equity | $152,476,400 | 665 |
| Average total loans | $649,982,800 | 917 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 3,899 |
| Cost of funding earning assets | 0.4193% | 3,706 |
| Net interest margin | 3.2398% | 3,367 |
| Noninterest income to average assets | 1.1850% | 759 |
| Noninterest expense to average assets | 2.5975% | 2,534 |
| Loan and lease loss provision to assets | 0.0627% | 3,556 |
| Net operating income to assets | 1.2797% | 1,399 |
| Return on assets (ROA) | 1.6300% | 748 |
| Pretax return on assets | 2.0029% | 514 |
| Return on Equity (ROE) | 10.9604% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.9604% | 582 |
| Net charge-offs to loans | 0.0014% | 3,162 |
| Credit loss provision to net charge-offs | 6,757.1429% | 172 |
| Earnings coverage of net charge-offs (x) | 1,761.5714% | 64 |
| Efficiency ratio | 61.3969% | 3,160 |
| Assets per employee ($millions) | 5.9646% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,571 |
| Loan loss allowance to noncurrent loans | 592.7622% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 3,808 |
| Noncurrent loans to loans | 0.2053% | 3,561 |
| Net loans and leases to total assets | 59.3538% | 3,290 |
| Net loans and leases to deposits | 74.8756% | 2,867 |
| Net loans and leases to core deposits | 79.2952% | 2,904 |
| Total domestic deposits to total assets | 79.2698% | 4,007 |
| Equity capital to assets | 14.4309% | 750 |
| Core capital (leverage) ratio | 15.0115% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6722% | 424 |
| Memoranda: | ||
| Average total assets | $1,006,695,750 | 862 |
| Average earning assets | $946,380,500 | 845 |
| Average equity | $149,711,500 | 664 |
| Average total loans | $651,510,250 | 915 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 3,848 |
| Cost of funding earning assets | 0.4921% | 3,586 |
| Net interest margin | 3.3120% | 3,352 |
| Noninterest income to average assets | 1.1059% | 811 |
| Noninterest expense to average assets | 2.6558% | 2,500 |
| Loan and lease loss provision to assets | 0.0477% | 3,702 |
| Net operating income to assets | 1.2529% | 1,486 |
| Return on assets (ROA) | 1.3125% | 1,436 |
| Pretax return on assets | 1.5936% | 1,241 |
| Return on Equity (ROE) | 8.7289% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.7289% | 1,095 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8685% | 2,976 |
| Assets per employee ($millions) | 5.7577% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,741 |
| Loan loss allowance to noncurrent loans | 561.4553% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 3,853 |
| Noncurrent loans to loans | 0.2062% | 3,645 |
| Net loans and leases to total assets | 63.8454% | 2,901 |
| Net loans and leases to deposits | 80.4171% | 2,380 |
| Net loans and leases to core deposits | 86.3196% | 2,411 |
| Total domestic deposits to total assets | 79.3928% | 3,957 |
| Equity capital to assets | 14.6408% | 696 |
| Core capital (leverage) ratio | 15.2172% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2313% | 437 |
| Memoranda: | ||
| Average total assets | $976,430,333 | 875 |
| Average earning assets | $919,380,667 | 858 |
| Average equity | $146,822,667 | 671 |
| Average total loans | $648,870,667 | 907 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 3,859 |
| Cost of funding earning assets | 0.6158% | 3,358 |
| Net interest margin | 3.3603% | 3,423 |
| Noninterest income to average assets | 1.0000% | 860 |
| Noninterest expense to average assets | 2.8178% | 2,382 |
| Loan and lease loss provision to assets | 0.0496% | 3,159 |
| Net operating income to assets | 1.0895% | 1,876 |
| Return on assets (ROA) | -0.1925% | 4,823 |
| Pretax return on assets | -0.3324% | 4,850 |
| Return on Equity (ROE) | -1.2616% | 4,812 |
| Retained earnings to average equity (ytd only) | -1.2616% | 4,172 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7712% | 2,713 |
| Assets per employee ($millions) | 5.2480% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,609 |
| Loan loss allowance to noncurrent loans | 373.2134% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 3,606 |
| Noncurrent loans to loans | 0.3245% | 3,330 |
| Net loans and leases to total assets | 65.9260% | 2,826 |
| Net loans and leases to deposits | 84.2726% | 2,191 |
| Net loans and leases to core deposits | 92.2111% | 2,131 |
| Total domestic deposits to total assets | 78.2294% | 4,179 |
| Equity capital to assets | 15.2881% | 714 |
| Core capital (leverage) ratio | 15.5164% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9687% | 495 |
| Memoranda: | ||
| Average total assets | $943,577,000 | 875 |
| Average earning assets | $886,703,000 | 859 |
| Average equity | $143,945,500 | 680 |
| Average total loans | $636,731,000 | 897 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 4,036 |
| Cost of funding earning assets | 0.8079% | 2,645 |
| Net interest margin | 3.2928% | 4,010 |
| Noninterest income to average assets | 1.0198% | 935 |
| Noninterest expense to average assets | 2.6501% | 3,027 |
| Loan and lease loss provision to assets | 0.0388% | 3,240 |
| Net operating income to assets | 1.1673% | 2,186 |
| Return on assets (ROA) | 1.7176% | 678 |
| Pretax return on assets | 2.1091% | 468 |
| Return on Equity (ROE) | 12.0975% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.0975% | 233 |
| Net charge-offs to loans | 0.0008% | 3,699 |
| Credit loss provision to net charge-offs | 7,300.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 2,761.0000% | 20 |
| Efficiency ratio | 64.3447% | 3,028 |
| Assets per employee ($millions) | 5.2070% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,533 |
| Loan loss allowance to noncurrent loans | 578.4239% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,942 |
| Noncurrent loans to loans | 0.2044% | 3,726 |
| Net loans and leases to total assets | 67.4304% | 2,768 |
| Net loans and leases to deposits | 85.7158% | 2,134 |
| Net loans and leases to core deposits | 94.3361% | 2,028 |
| Total domestic deposits to total assets | 78.6674% | 4,249 |
| Equity capital to assets | 15.2220% | 742 |
| Core capital (leverage) ratio | 15.3250% | 621 |
| Tier 1 risk-based capital ratio | 22.5565% | 959 |
| Total risk-based capital ratio | 23.8075% | 943 |
| Memoranda: | ||
| Average total assets | $940,082,200 | 834 |
| Average earning assets | $884,686,000 | 818 |
| Average equity | $133,474,000 | 690 |
| Average total loans | $634,719,600 | 872 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 4,181 |
| Cost of funding earning assets | 0.8363% | 2,531 |
| Net interest margin | 3.2527% | 4,178 |
| Noninterest income to average assets | 0.9697% | 1,001 |
| Noninterest expense to average assets | 2.7079% | 2,850 |
| Loan and lease loss provision to assets | 0.0459% | 2,984 |
| Net operating income to assets | 1.0394% | 2,823 |
| Return on assets (ROA) | 1.6070% | 953 |
| Pretax return on assets | 1.9689% | 734 |
| Return on Equity (ROE) | 11.5253% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.5253% | 447 |
| Net charge-offs to loans | -0.0002% | 3,958 |
| Credit loss provision to net charge-offs | -32,400.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1835% | 2,552 |
| Assets per employee ($millions) | 5.4304% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,683 |
| Loan loss allowance to noncurrent loans | 366.5368% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 3,726 |
| Noncurrent loans to loans | 0.3181% | 3,388 |
| Net loans and leases to total assets | 65.6156% | 3,097 |
| Net loans and leases to deposits | 82.6765% | 2,596 |
| Net loans and leases to core deposits | 89.5767% | 2,577 |
| Total domestic deposits to total assets | 79.3642% | 4,106 |
| Equity capital to assets | 14.2240% | 1,068 |
| Core capital (leverage) ratio | 14.7930% | 787 |
| Tier 1 risk-based capital ratio | 21.2588% | 1,161 |
| Total risk-based capital ratio | 22.5092% | 1,141 |
| Memoranda: | ||
| Average total assets | $940,787,500 | 833 |
| Average earning assets | $885,325,250 | 816 |
| Average equity | $131,175,000 | 700 |
| Average total loans | $633,509,750 | 874 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 4,160 |
| Cost of funding earning assets | 0.8370% | 2,465 |
| Net interest margin | 3.2640% | 4,214 |
| Noninterest income to average assets | 0.9237% | 1,026 |
| Noninterest expense to average assets | 2.7699% | 2,690 |
| Loan and lease loss provision to assets | 0.0464% | 2,887 |
| Net operating income to assets | 0.9574% | 3,071 |
| Return on assets (ROA) | 1.7064% | 748 |
| Pretax return on assets | 2.0934% | 559 |
| Return on Equity (ROE) | 12.3249% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.3249% | 371 |
| Net charge-offs to loans | -0.0010% | 3,893 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3115% | 2,329 |
| Assets per employee ($millions) | 5.1653% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,729 |
| Loan loss allowance to noncurrent loans | 348.6372% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 3,676 |
| Noncurrent loans to loans | 0.3331% | 3,345 |
| Net loans and leases to total assets | 66.8035% | 3,002 |
| Net loans and leases to deposits | 83.5644% | 2,537 |
| Net loans and leases to core deposits | 92.1729% | 2,400 |
| Total domestic deposits to total assets | 79.9425% | 4,052 |
| Equity capital to assets | 14.2015% | 1,056 |
| Core capital (leverage) ratio | 14.9770% | 712 |
| Tier 1 risk-based capital ratio | 21.2782% | 1,148 |
| Total risk-based capital ratio | 22.5286% | 1,127 |
| Memoranda: | ||
| Average total assets | $930,368,000 | 838 |
| Average earning assets | $875,796,000 | 821 |
| Average equity | $128,812,000 | 705 |
| Average total loans | $629,566,670 | 877 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 4,122 |
| Cost of funding earning assets | 0.8066% | 2,500 |
| Net interest margin | 3.2949% | 4,171 |
| Noninterest income to average assets | 0.8607% | 1,143 |
| Noninterest expense to average assets | 2.8050% | 2,550 |
| Loan and lease loss provision to assets | 0.0468% | 2,711 |
| Net operating income to assets | 0.9002% | 3,233 |
| Return on assets (ROA) | 1.9885% | 411 |
| Pretax return on assets | 2.4561% | 268 |
| Return on Equity (ROE) | 14.5537% | 845 |
| Retained earnings to average equity (ytd only) | 14.5537% | 310 |
| Net charge-offs to loans | -0.0013% | 3,818 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7554% | 2,232 |
| Assets per employee ($millions) | 5.0821% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,745 |
| Loan loss allowance to noncurrent loans | 502.0604% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 4,020 |
| Noncurrent loans to loans | 0.2330% | 3,741 |
| Net loans and leases to total assets | 66.7728% | 2,936 |
| Net loans and leases to deposits | 83.3859% | 2,455 |
| Net loans and leases to core deposits | 92.8612% | 2,222 |
| Total domestic deposits to total assets | 80.0769% | 4,164 |
| Equity capital to assets | 13.9662% | 1,048 |
| Core capital (leverage) ratio | 14.7997% | 743 |
| Tier 1 risk-based capital ratio | 20.5374% | 1,242 |
| Total risk-based capital ratio | 21.7876% | 1,220 |
| Memoranda: | ||
| Average total assets | $922,929,000 | 847 |
| Average earning assets | $869,350,500 | 833 |
| Average equity | $126,098,500 | 720 |
| Average total loans | $624,912,000 | 888 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 4,183 |
| Cost of funding earning assets | 0.6748% | 2,246 |
| Net interest margin | 3.2694% | 4,342 |
| Noninterest income to average assets | 0.9451% | 1,071 |
| Noninterest expense to average assets | 2.6394% | 3,213 |
| Loan and lease loss provision to assets | 0.0413% | 3,360 |
| Net operating income to assets | 1.1261% | 2,490 |
| Return on assets (ROA) | 1.1548% | 2,367 |
| Pretax return on assets | 1.3769% | 2,217 |
| Return on Equity (ROE) | 8.8826% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.8826% | 911 |
| Net charge-offs to loans | 0.0019% | 3,678 |
| Credit loss provision to net charge-offs | 3,100.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 1,038.1667% | 106 |
| Efficiency ratio | 65.6008% | 2,934 |
| Assets per employee ($millions) | 5.0600% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,819 |
| Loan loss allowance to noncurrent loans | 480.3202% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,011 |
| Noncurrent loans to loans | 0.2399% | 3,722 |
| Net loans and leases to total assets | 67.0750% | 2,991 |
| Net loans and leases to deposits | 83.4669% | 2,568 |
| Net loans and leases to core deposits | 92.9345% | 2,325 |
| Total domestic deposits to total assets | 80.3612% | 4,025 |
| Equity capital to assets | 13.3582% | 1,199 |
| Core capital (leverage) ratio | 13.1750% | 1,184 |
| Tier 1 risk-based capital ratio | 19.3473% | 1,437 |
| Total risk-based capital ratio | 21.5434% | 1,236 |
| Memoranda: | ||
| Average total assets | $900,132,000 | 848 |
| Average earning assets | $847,533,000 | 831 |
| Average equity | $117,027,200 | 738 |
| Average total loans | $616,352,400 | 871 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 4,237 |
| Cost of funding earning assets | 0.6443% | 2,180 |
| Net interest margin | 3.2459% | 4,411 |
| Noninterest income to average assets | 0.9408% | 1,080 |
| Noninterest expense to average assets | 2.7380% | 2,849 |
| Loan and lease loss provision to assets | 0.0459% | 3,068 |
| Net operating income to assets | 1.0304% | 2,961 |
| Return on assets (ROA) | 1.0646% | 2,820 |
| Pretax return on assets | 1.2543% | 2,795 |
| Return on Equity (ROE) | 8.2470% | 3,444 |
| Retained earnings to average equity (ytd only) | 8.2470% | 1,537 |
| Net charge-offs to loans | 0.0026% | 3,385 |
| Credit loss provision to net charge-offs | 2,566.6667% | 162 |
| Earnings coverage of net charge-offs (x) | 704.7325% | 126 |
| Efficiency ratio | 68.4852% | 2,449 |
| Assets per employee ($millions) | 5.0549% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,941 |
| Loan loss allowance to noncurrent loans | 390.5857% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 3,874 |
| Noncurrent loans to loans | 0.2929% | 3,630 |
| Net loans and leases to total assets | 67.0295% | 3,065 |
| Net loans and leases to deposits | 82.9702% | 2,715 |
| Net loans and leases to core deposits | 90.8294% | 2,582 |
| Total domestic deposits to total assets | 80.7875% | 3,927 |
| Equity capital to assets | 12.9952% | 1,342 |
| Core capital (leverage) ratio | 12.9745% | 1,290 |
| Tier 1 risk-based capital ratio | 18.5368% | 1,651 |
| Total risk-based capital ratio | 20.9068% | 1,371 |
| Memoranda: | ||
| Average total assets | $894,935,750 | 854 |
| Average earning assets | $842,898,750 | 836 |
| Average equity | $115,529,500 | 738 |
| Average total loans | $614,214,250 | 872 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 4,173 |
| Cost of funding earning assets | 0.6210% | 2,099 |
| Net interest margin | 3.2438% | 4,395 |
| Noninterest income to average assets | 0.9256% | 1,119 |
| Noninterest expense to average assets | 2.7905% | 2,685 |
| Loan and lease loss provision to assets | 0.0462% | 2,977 |
| Net operating income to assets | 0.9840% | 3,091 |
| Return on assets (ROA) | 1.0363% | 2,868 |
| Pretax return on assets | 1.2030% | 2,932 |
| Return on Equity (ROE) | 8.0464% | 3,483 |
| Retained earnings to average equity (ytd only) | 8.0464% | 1,611 |
| Net charge-offs to loans | 0.0023% | 3,123 |
| Credit loss provision to net charge-offs | 2,928.5714% | 147 |
| Earnings coverage of net charge-offs (x) | 752.5714% | 109 |
| Efficiency ratio | 70.1327% | 2,290 |
| Assets per employee ($millions) | 4.9325% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,107 |
| Loan loss allowance to noncurrent loans | 443.4783% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,107 |
| Noncurrent loans to loans | 0.2543% | 3,789 |
| Net loans and leases to total assets | 68.3528% | 2,820 |
| Net loans and leases to deposits | 84.9207% | 2,438 |
| Net loans and leases to core deposits | 94.4478% | 2,189 |
| Total domestic deposits to total assets | 80.4901% | 4,140 |
| Equity capital to assets | 12.9117% | 1,337 |
| Core capital (leverage) ratio | 12.8687% | 1,290 |
| Tier 1 risk-based capital ratio | 17.8140% | 1,854 |
| Total risk-based capital ratio | 20.0173% | 1,565 |
| Memoranda: | ||
| Average total assets | $886,581,670 | 862 |
| Average earning assets | $834,523,330 | 847 |
| Average equity | $114,187,330 | 745 |
| Average total loans | $611,017,000 | 878 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 4,176 |
| Cost of funding earning assets | 0.5633% | 2,292 |
| Net interest margin | 3.2506% | 4,311 |
| Noninterest income to average assets | 0.9206% | 1,095 |
| Noninterest expense to average assets | 2.8370% | 2,584 |
| Loan and lease loss provision to assets | 0.0469% | 2,831 |
| Net operating income to assets | 0.9260% | 3,176 |
| Return on assets (ROA) | 1.0290% | 2,755 |
| Pretax return on assets | 1.2161% | 2,692 |
| Return on Equity (ROE) | 7.9995% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.9995% | 1,835 |
| Net charge-offs to loans | 0.0060% | 2,519 |
| Credit loss provision to net charge-offs | 1,144.4444% | 311 |
| Earnings coverage of net charge-offs (x) | 278.6667% | 242 |
| Efficiency ratio | 71.3011% | 2,300 |
| Assets per employee ($millions) | 4.8922% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 3,130 |
| Loan loss allowance to noncurrent loans | 468.1972% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 4,249 |
| Noncurrent loans to loans | 0.2440% | 3,893 |
| Net loans and leases to total assets | 68.1363% | 2,753 |
| Net loans and leases to deposits | 85.3162% | 2,260 |
| Net loans and leases to core deposits | 96.7188% | 1,923 |
| Total domestic deposits to total assets | 79.8633% | 4,440 |
| Equity capital to assets | 12.8419% | 1,321 |
| Core capital (leverage) ratio | 12.8241% | 1,240 |
| Tier 1 risk-based capital ratio | 18.0922% | 1,810 |
| Total risk-based capital ratio | 20.2526% | 1,513 |
| Memoranda: | ||
| Average total assets | $878,545,500 | 875 |
| Average earning assets | $826,552,500 | 860 |
| Average equity | $113,007,000 | 754 |
| Average total loans | $604,512,000 | 889 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 4,154 |
| Cost of funding earning assets | 0.4751% | 2,549 |
| Net interest margin | 3.2930% | 4,183 |
| Noninterest income to average assets | 0.9534% | 1,130 |
| Noninterest expense to average assets | 2.6148% | 3,398 |
| Loan and lease loss provision to assets | 0.0456% | 3,326 |
| Net operating income to assets | 1.2390% | 1,395 |
| Return on assets (ROA) | 1.3105% | 1,218 |
| Pretax return on assets | 1.4796% | 1,721 |
| Return on Equity (ROE) | 10.7277% | 1,573 |
| Retained earnings to average equity (ytd only) | 10.7277% | 271 |
| Net charge-offs to loans | 0.0010% | 4,096 |
| Credit loss provision to net charge-offs | 6,600.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 2,089.3333% | 30 |
| Efficiency ratio | 64.4086% | 3,547 |
| Assets per employee ($millions) | 4.8694% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 3,140 |
| Loan loss allowance to noncurrent loans | 500.3658% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 4,357 |
| Noncurrent loans to loans | 0.2270% | 3,994 |
| Net loans and leases to total assets | 67.9119% | 2,832 |
| Net loans and leases to deposits | 85.5790% | 2,317 |
| Net loans and leases to core deposits | 96.2339% | 2,005 |
| Total domestic deposits to total assets | 79.3558% | 4,469 |
| Equity capital to assets | 12.8841% | 1,321 |
| Core capital (leverage) ratio | 12.5798% | 1,318 |
| Tier 1 risk-based capital ratio | 18.0135% | 1,805 |
| Total risk-based capital ratio | 20.1725% | 1,483 |
| Memoranda: | ||
| Average total assets | $867,591,000 | 860 |
| Average earning assets | $818,390,600 | 842 |
| Average equity | $105,987,200 | 772 |
| Average total loans | $587,917,000 | 876 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,197 |
| Cost of funding earning assets | 0.4625% | 2,594 |
| Net interest margin | 3.2821% | 4,228 |
| Noninterest income to average assets | 0.8939% | 1,291 |
| Noninterest expense to average assets | 2.6670% | 3,178 |
| Loan and lease loss provision to assets | 0.0499% | 3,097 |
| Net operating income to assets | 0.9606% | 2,723 |
| Return on assets (ROA) | 1.0153% | 2,532 |
| Pretax return on assets | 1.3506% | 2,283 |
| Return on Equity (ROE) | 8.4281% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.4281% | 1,041 |
| Net charge-offs to loans | 0.0011% | 3,745 |
| Credit loss provision to net charge-offs | 6,480.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,722.2954% | 49 |
| Efficiency ratio | 66.7670% | 3,090 |
| Assets per employee ($millions) | 4.9629% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,339 |
| Loan loss allowance to noncurrent loans | 481.0945% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 4,471 |
| Noncurrent loans to loans | 0.2340% | 4,127 |
| Net loans and leases to total assets | 67.6771% | 2,889 |
| Net loans and leases to deposits | 85.9963% | 2,292 |
| Net loans and leases to core deposits | 96.1103% | 2,057 |
| Total domestic deposits to total assets | 78.6977% | 4,594 |
| Equity capital to assets | 12.3343% | 1,754 |
| Core capital (leverage) ratio | 12.0704% | 1,639 |
| Tier 1 risk-based capital ratio | 17.4638% | 2,019 |
| Total risk-based capital ratio | 19.5444% | 1,741 |
| Memoranda: | ||
| Average total assets | $865,364,750 | 865 |
| Average earning assets | $817,512,000 | 848 |
| Average equity | $104,251,750 | 786 |
| Average total loans | $584,375,000 | 883 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,268 |
| Cost of funding earning assets | 0.4436% | 2,660 |
| Net interest margin | 3.2428% | 4,285 |
| Noninterest income to average assets | 0.8792% | 1,334 |
| Noninterest expense to average assets | 2.6813% | 3,159 |
| Loan and lease loss provision to assets | 0.0502% | 2,985 |
| Net operating income to assets | 0.9139% | 2,843 |
| Return on assets (ROA) | 0.9965% | 2,494 |
| Pretax return on assets | 1.3231% | 2,296 |
| Return on Equity (ROE) | 8.3393% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.3393% | 1,043 |
| Net charge-offs to loans | 0.0014% | 3,473 |
| Credit loss provision to net charge-offs | 5,400.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 1,359.5000% | 46 |
| Efficiency ratio | 67.9760% | 3,020 |
| Assets per employee ($millions) | 4.8467% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,483 |
| Loan loss allowance to noncurrent loans | 359.3312% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,327 |
| Noncurrent loans to loans | 0.3108% | 3,927 |
| Net loans and leases to total assets | 66.8762% | 2,969 |
| Net loans and leases to deposits | 85.4199% | 2,296 |
| Net loans and leases to core deposits | 96.6133% | 1,919 |
| Total domestic deposits to total assets | 78.2911% | 4,775 |
| Equity capital to assets | 12.0226% | 1,908 |
| Core capital (leverage) ratio | 11.7546% | 1,793 |
| Tier 1 risk-based capital ratio | 17.1977% | 2,104 |
| Total risk-based capital ratio | 19.2453% | 1,814 |
| Memoranda: | ||
| Average total assets | $861,011,000 | 878 |
| Average earning assets | $813,872,330 | 858 |
| Average equity | $102,886,330 | 801 |
| Average total loans | $578,746,000 | 898 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 4,385 |
| Cost of funding earning assets | 0.4104% | 2,899 |
| Net interest margin | 3.2017% | 4,341 |
| Noninterest income to average assets | 0.8005% | 1,549 |
| Noninterest expense to average assets | 2.7190% | 3,073 |
| Loan and lease loss provision to assets | 0.0508% | 2,792 |
| Net operating income to assets | 0.8216% | 3,115 |
| Return on assets (ROA) | 0.8701% | 2,954 |
| Pretax return on assets | 1.1321% | 2,853 |
| Return on Equity (ROE) | 7.3048% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.3048% | 1,745 |
| Net charge-offs to loans | 0.0014% | 2,915 |
| Credit loss provision to net charge-offs | 5,400.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,190.5000% | 35 |
| Efficiency ratio | 70.8282% | 2,773 |
| Assets per employee ($millions) | 4.7315% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,470 |
| Loan loss allowance to noncurrent loans | 347.2458% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,337 |
| Noncurrent loans to loans | 0.3282% | 3,943 |
| Net loans and leases to total assets | 66.4031% | 2,913 |
| Net loans and leases to deposits | 84.0053% | 2,287 |
| Net loans and leases to core deposits | 94.2421% | 1,965 |
| Total domestic deposits to total assets | 79.0464% | 4,817 |
| Equity capital to assets | 11.9983% | 1,849 |
| Core capital (leverage) ratio | 11.8110% | 1,743 |
| Tier 1 risk-based capital ratio | 17.3097% | 2,093 |
| Total risk-based capital ratio | 19.3778% | 1,793 |
| Memoranda: | ||
| Average total assets | $850,465,000 | 892 |
| Average earning assets | $807,063,500 | 866 |
| Average equity | $101,303,500 | 813 |
| Average total loans | $569,829,500 | 908 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,450 |
| Cost of funding earning assets | 0.4358% | 2,650 |
| Net interest margin | 3.1881% | 4,480 |
| Noninterest income to average assets | 0.9386% | 1,297 |
| Noninterest expense to average assets | 2.6017% | 3,671 |
| Loan and lease loss provision to assets | 0.0616% | 3,135 |
| Net operating income to assets | 0.9747% | 2,461 |
| Return on assets (ROA) | 0.9879% | 2,505 |
| Pretax return on assets | 1.3148% | 2,232 |
| Return on Equity (ROE) | 8.1844% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.1844% | 792 |
| Net charge-offs to loans | 0.0022% | 4,198 |
| Credit loss provision to net charge-offs | 4,183.3333% | 107 |
| Earnings coverage of net charge-offs (x) | 922.5000% | 84 |
| Efficiency ratio | 65.6904% | 3,645 |
| Assets per employee ($millions) | 4.7446% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 3,475 |
| Loan loss allowance to noncurrent loans | 347.8964% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 4,428 |
| Noncurrent loans to loans | 0.3285% | 3,966 |
| Net loans and leases to total assets | 66.0695% | 3,066 |
| Net loans and leases to deposits | 83.6667% | 2,460 |
| Net loans and leases to core deposits | 93.0586% | 2,205 |
| Total domestic deposits to total assets | 78.9675% | 4,806 |
| Equity capital to assets | 11.8235% | 1,919 |
| Core capital (leverage) ratio | 11.5343% | 1,905 |
| Tier 1 risk-based capital ratio | 17.3555% | 2,045 |
| Total risk-based capital ratio | 19.3767% | 1,782 |
| Memoranda: | ||
| Average total assets | $814,647,600 | 892 |
| Average earning assets | $772,219,200 | 873 |
| Average equity | $98,333,200 | 801 |
| Average total loans | $541,970,400 | 911 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 4,466 |
| Cost of funding earning assets | 0.4460% | 2,592 |
| Net interest margin | 3.1844% | 4,523 |
| Noninterest income to average assets | 0.9040% | 1,394 |
| Noninterest expense to average assets | 2.7181% | 3,304 |
| Loan and lease loss provision to assets | 0.0621% | 2,988 |
| Net operating income to assets | 0.8668% | 3,064 |
| Return on assets (ROA) | 0.8798% | 3,133 |
| Pretax return on assets | 1.1587% | 3,004 |
| Return on Equity (ROE) | 7.2496% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.2496% | 1,501 |
| Net charge-offs to loans | -0.0002% | 4,409 |
| Credit loss provision to net charge-offs | -37,600.0000% | 5,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3046% | 3,000 |
| Assets per employee ($millions) | 4.6594% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,617 |
| Loan loss allowance to noncurrent loans | 315.7449% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 4,457 |
| Noncurrent loans to loans | 0.3609% | 3,964 |
| Net loans and leases to total assets | 67.0355% | 2,952 |
| Net loans and leases to deposits | 86.6798% | 2,188 |
| Net loans and leases to core deposits | 94.7334% | 2,128 |
| Total domestic deposits to total assets | 77.3369% | 5,025 |
| Equity capital to assets | 12.3006% | 1,892 |
| Core capital (leverage) ratio | 11.6892% | 1,898 |
| Tier 1 risk-based capital ratio | 16.9463% | 2,243 |
| Total risk-based capital ratio | 18.9711% | 1,955 |
| Memoranda: | ||
| Average total assets | $807,175,750 | 901 |
| Average earning assets | $764,957,250 | 878 |
| Average equity | $97,953,000 | 809 |
| Average total loans | $536,355,500 | 920 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,501 |
| Cost of funding earning assets | 0.4639% | 2,436 |
| Net interest margin | 3.1676% | 4,650 |
| Noninterest income to average assets | 0.8796% | 1,439 |
| Noninterest expense to average assets | 2.7341% | 3,259 |
| Loan and lease loss provision to assets | 0.0623% | 2,888 |
| Net operating income to assets | 0.8196% | 3,219 |
| Return on assets (ROA) | 0.8410% | 3,260 |
| Pretax return on assets | 1.1132% | 3,147 |
| Return on Equity (ROE) | 6.9622% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.9622% | 1,625 |
| Net charge-offs to loans | -0.0004% | 4,299 |
| Credit loss provision to net charge-offs | -25,000.0000% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4403% | 2,913 |
| Assets per employee ($millions) | 4.6021% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,713 |
| Loan loss allowance to noncurrent loans | 284.2563% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,422 |
| Noncurrent loans to loans | 0.4013% | 3,922 |
| Net loans and leases to total assets | 66.0766% | 3,068 |
| Net loans and leases to deposits | 84.1357% | 2,452 |
| Net loans and leases to core deposits | 94.3138% | 2,135 |
| Total domestic deposits to total assets | 78.5357% | 4,888 |
| Equity capital to assets | 12.2103% | 1,964 |
| Core capital (leverage) ratio | 11.6092% | 1,902 |
| Tier 1 risk-based capital ratio | 16.8834% | 2,265 |
| Total risk-based capital ratio | 18.9139% | 1,985 |
| Memoranda: | ||
| Average total assets | $802,885,000 | 901 |
| Average earning assets | $760,886,330 | 880 |
| Average equity | $96,980,330 | 816 |
| Average total loans | $529,787,330 | 926 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 4,709 |
| Cost of funding earning assets | 0.4860% | 2,221 |
| Net interest margin | 3.0832% | 4,907 |
| Noninterest income to average assets | 0.7980% | 1,622 |
| Noninterest expense to average assets | 2.7261% | 3,322 |
| Loan and lease loss provision to assets | 0.0627% | 2,697 |
| Net operating income to assets | 0.7218% | 3,610 |
| Return on assets (ROA) | 0.7392% | 3,649 |
| Pretax return on assets | 0.9545% | 3,646 |
| Return on Equity (ROE) | 6.1542% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.1542% | 2,304 |
| Net charge-offs to loans | -0.0008% | 4,074 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2668% | 2,597 |
| Assets per employee ($millions) | 4.5715% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,764 |
| Loan loss allowance to noncurrent loans | 240.9343% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 4,302 |
| Noncurrent loans to loans | 0.4774% | 3,749 |
| Net loans and leases to total assets | 65.3729% | 3,050 |
| Net loans and leases to deposits | 84.5494% | 2,244 |
| Net loans and leases to core deposits | 95.6536% | 1,832 |
| Total domestic deposits to total assets | 77.3192% | 5,245 |
| Equity capital to assets | 12.1084% | 1,952 |
| Core capital (leverage) ratio | 11.5956% | 1,908 |
| Tier 1 risk-based capital ratio | 16.9724% | 2,299 |
| Total risk-based capital ratio | 19.0134% | 2,013 |
| Memoranda: | ||
| Average total assets | $797,039,500 | 909 |
| Average earning assets | $755,581,000 | 888 |
| Average equity | $95,739,500 | 828 |
| Average total loans | $522,453,500 | 937 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6034% | 4,666 |
| Cost of funding earning assets | 0.5317% | 1,911 |
| Net interest margin | 3.0718% | 4,975 |
| Noninterest income to average assets | 0.8867% | 1,477 |
| Noninterest expense to average assets | 2.6169% | 3,859 |
| Loan and lease loss provision to assets | 0.0464% | 3,398 |
| Net operating income to assets | 0.8451% | 3,137 |
| Return on assets (ROA) | 0.8966% | 2,969 |
| Pretax return on assets | 1.2036% | 2,648 |
| Return on Equity (ROE) | 7.6522% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.6522% | 1,042 |
| Net charge-offs to loans | -0.0029% | 4,908 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9156% | 3,419 |
| Assets per employee ($millions) | 4.5900% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 3,724 |
| Loan loss allowance to noncurrent loans | 230.4718% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 4,283 |
| Noncurrent loans to loans | 0.5013% | 3,683 |
| Net loans and leases to total assets | 64.2099% | 3,244 |
| Net loans and leases to deposits | 80.9328% | 2,715 |
| Net loans and leases to core deposits | 90.0531% | 2,399 |
| Total domestic deposits to total assets | 79.3373% | 4,897 |
| Equity capital to assets | 11.9146% | 2,023 |
| Core capital (leverage) ratio | 11.3308% | 2,104 |
| Tier 1 risk-based capital ratio | 17.2526% | 2,199 |
| Total risk-based capital ratio | 19.2847% | 1,911 |
| Memoranda: | ||
| Average total assets | $776,369,000 | 892 |
| Average earning assets | $735,629,800 | 866 |
| Average equity | $90,967,200 | 834 |
| Average total loans | $510,820,000 | 915 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 4,850 |
| Cost of funding earning assets | 0.5391% | 1,895 |
| Net interest margin | 3.0178% | 5,153 |
| Noninterest income to average assets | 0.8531% | 1,610 |
| Noninterest expense to average assets | 2.6481% | 3,727 |
| Loan and lease loss provision to assets | 0.0643% | 2,899 |
| Net operating income to assets | 0.7570% | 3,650 |
| Return on assets (ROA) | 0.8120% | 3,465 |
| Pretax return on assets | 1.0738% | 3,321 |
| Return on Equity (ROE) | 6.9599% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.9599% | 1,711 |
| Net charge-offs to loans | -0.0034% | 4,763 |
| Credit loss provision to net charge-offs | -2,861.5385% | 5,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3050% | 2,993 |
| Assets per employee ($millions) | 4.5154% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,942 |
| Loan loss allowance to noncurrent loans | 213.5957% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 4,312 |
| Noncurrent loans to loans | 0.5373% | 3,732 |
| Net loans and leases to total assets | 65.8333% | 3,042 |
| Net loans and leases to deposits | 85.1846% | 2,255 |
| Net loans and leases to core deposits | 91.8560% | 2,276 |
| Total domestic deposits to total assets | 77.2831% | 5,301 |
| Equity capital to assets | 11.7743% | 2,286 |
| Core capital (leverage) ratio | 11.3069% | 2,188 |
| Tier 1 risk-based capital ratio | 17.2895% | 2,259 |
| Total risk-based capital ratio | 19.2965% | 1,980 |
| Memoranda: | ||
| Average total assets | $771,942,500 | 899 |
| Average earning assets | $731,762,750 | 873 |
| Average equity | $90,056,250 | 851 |
| Average total loans | $509,566,250 | 916 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,884 |
| Cost of funding earning assets | 0.5429% | 1,882 |
| Net interest margin | 2.9966% | 5,227 |
| Noninterest income to average assets | 0.8756% | 1,526 |
| Noninterest expense to average assets | 2.6246% | 3,835 |
| Loan and lease loss provision to assets | 0.0645% | 2,828 |
| Net operating income to assets | 0.7728% | 3,524 |
| Return on assets (ROA) | 0.8579% | 3,198 |
| Pretax return on assets | 1.1399% | 3,009 |
| Return on Equity (ROE) | 7.3767% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.3767% | 1,531 |
| Net charge-offs to loans | -0.0016% | 4,570 |
| Credit loss provision to net charge-offs | -6,200.0000% | 5,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6385% | 3,236 |
| Assets per employee ($millions) | 4.5483% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 4,165 |
| Loan loss allowance to noncurrent loans | 206.6195% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 4,411 |
| Noncurrent loans to loans | 0.5485% | 3,808 |
| Net loans and leases to total assets | 65.8565% | 2,979 |
| Net loans and leases to deposits | 84.0748% | 2,304 |
| Net loans and leases to core deposits | 92.4978% | 2,106 |
| Total domestic deposits to total assets | 78.3308% | 5,209 |
| Equity capital to assets | 11.6952% | 2,253 |
| Core capital (leverage) ratio | 11.2940% | 2,167 |
| Tier 1 risk-based capital ratio | 17.1120% | 2,364 |
| Total risk-based capital ratio | 19.1428% | 2,056 |
| Memoranda: | ||
| Average total assets | $768,870,330 | 907 |
| Average earning assets | $728,681,000 | 883 |
| Average equity | $89,416,330 | 860 |
| Average total loans | $506,010,670 | 923 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 4,929 |
| Cost of funding earning assets | 0.5505% | 1,839 |
| Net interest margin | 2.9604% | 5,316 |
| Noninterest income to average assets | 0.8676% | 1,507 |
| Noninterest expense to average assets | 2.5919% | 3,969 |
| Loan and lease loss provision to assets | 0.0647% | 2,639 |
| Net operating income to assets | 0.7634% | 3,464 |
| Return on assets (ROA) | 0.8890% | 2,920 |
| Pretax return on assets | 1.1843% | 2,731 |
| Return on Equity (ROE) | 7.6661% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.6661% | 1,699 |
| Net charge-offs to loans | 0.0088% | 3,036 |
| Credit loss provision to net charge-offs | 1,127.2727% | 310 |
| Earnings coverage of net charge-offs (x) | 188.4545% | 297 |
| Efficiency ratio | 70.5582% | 3,385 |
| Assets per employee ($millions) | 4.7119% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 4,392 |
| Loan loss allowance to noncurrent loans | 154.5430% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 4,079 |
| Noncurrent loans to loans | 0.7287% | 3,437 |
| Net loans and leases to total assets | 65.1387% | 2,910 |
| Net loans and leases to deposits | 83.4087% | 2,152 |
| Net loans and leases to core deposits | 91.8112% | 1,960 |
| Total domestic deposits to total assets | 78.0958% | 5,430 |
| Equity capital to assets | 11.7143% | 2,281 |
| Core capital (leverage) ratio | 11.1482% | 2,268 |
| Tier 1 risk-based capital ratio | 18.0065% | 2,135 |
| Total risk-based capital ratio | 20.0937% | 1,871 |
| Memoranda: | ||
| Average total assets | $766,703,000 | 908 |
| Average earning assets | $726,652,500 | 888 |
| Average equity | $88,910,500 | 869 |
| Average total loans | $501,494,500 | 935 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 5,098 |
| Cost of funding earning assets | 0.5979% | 1,775 |
| Net interest margin | 2.9956% | 5,457 |
| Noninterest income to average assets | 0.8174% | 1,804 |
| Noninterest expense to average assets | 2.4822% | 4,605 |
| Loan and lease loss provision to assets | 0.0610% | 3,300 |
| Net operating income to assets | 0.8336% | 3,203 |
| Return on assets (ROA) | 0.8837% | 3,041 |
| Pretax return on assets | 1.1660% | 2,796 |
| Return on Equity (ROE) | 7.6446% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.6446% | 1,144 |
| Net charge-offs to loans | 0.1796% | 2,230 |
| Credit loss provision to net charge-offs | 51.9119% | 3,446 |
| Earnings coverage of net charge-offs (x) | 9.8830% | 2,684 |
| Efficiency ratio | 68.1302% | 3,879 |
| Assets per employee ($millions) | 4.6386% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 4,427 |
| Loan loss allowance to noncurrent loans | 113.6780% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 3,650 |
| Noncurrent loans to loans | 0.9885% | 2,859 |
| Net loans and leases to total assets | 64.2065% | 3,195 |
| Net loans and leases to deposits | 82.9463% | 2,345 |
| Net loans and leases to core deposits | 92.5201% | 2,036 |
| Total domestic deposits to total assets | 77.4073% | 5,537 |
| Equity capital to assets | 11.4782% | 2,444 |
| Core capital (leverage) ratio | 10.8671% | 2,537 |
| Tier 1 risk-based capital ratio | 17.5817% | 2,284 |
| Total risk-based capital ratio | 19.6960% | 1,977 |
| Memoranda: | ||
| Average total assets | $734,542,200 | 917 |
| Average earning assets | $692,951,400 | 888 |
| Average equity | $84,909,600 | 870 |
| Average total loans | $480,491,400 | 922 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 5,147 |
| Cost of funding earning assets | 0.6073% | 1,772 |
| Net interest margin | 2.9899% | 5,521 |
| Noninterest income to average assets | 0.7666% | 2,027 |
| Noninterest expense to average assets | 2.5799% | 4,259 |
| Loan and lease loss provision to assets | 0.0624% | 3,110 |
| Net operating income to assets | 0.7307% | 3,783 |
| Return on assets (ROA) | 0.7765% | 3,635 |
| Pretax return on assets | 0.9997% | 3,591 |
| Return on Equity (ROE) | 6.7050% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.7050% | 1,982 |
| Net charge-offs to loans | 0.1349% | 2,445 |
| Credit loss provision to net charge-offs | 70.5394% | 2,762 |
| Earnings coverage of net charge-offs (x) | 11.3486% | 2,431 |
| Efficiency ratio | 71.9975% | 3,178 |
| Assets per employee ($millions) | 4.4557% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 4,368 |
| Loan loss allowance to noncurrent loans | 143.5081% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 4,180 |
| Noncurrent loans to loans | 0.8173% | 3,535 |
| Net loans and leases to total assets | 66.3313% | 2,801 |
| Net loans and leases to deposits | 87.5965% | 1,722 |
| Net loans and leases to core deposits | 96.7773% | 1,610 |
| Total domestic deposits to total assets | 75.7236% | 5,855 |
| Equity capital to assets | 11.7374% | 2,276 |
| Core capital (leverage) ratio | 10.8746% | 2,605 |
| Tier 1 risk-based capital ratio | 16.8882% | 2,656 |
| Total risk-based capital ratio | 18.9060% | 2,293 |
| Memoranda: | ||
| Average total assets | $726,837,250 | 932 |
| Average earning assets | $684,741,000 | 904 |
| Average equity | $84,174,500 | 876 |
| Average total loans | $476,365,000 | 937 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 5,263 |
| Cost of funding earning assets | 0.6105% | 1,807 |
| Net interest margin | 2.9486% | 5,638 |
| Noninterest income to average assets | 0.7189% | 2,191 |
| Noninterest expense to average assets | 2.6030% | 4,231 |
| Loan and lease loss provision to assets | 0.0627% | 3,017 |
| Net operating income to assets | 0.6547% | 4,072 |
| Return on assets (ROA) | 0.7189% | 3,833 |
| Pretax return on assets | 0.9100% | 3,846 |
| Return on Equity (ROE) | 6.2367% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.2367% | 2,193 |
| Net charge-offs to loans | 0.2134% | 1,747 |
| Credit loss provision to net charge-offs | 45.2000% | 2,862 |
| Earnings coverage of net charge-offs (x) | 6.4280% | 2,774 |
| Efficiency ratio | 74.4900% | 2,893 |
| Assets per employee ($millions) | 4.3815% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 4,509 |
| Loan loss allowance to noncurrent loans | 114.2230% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 3,537 |
| Noncurrent loans to loans | 1.0346% | 3,165 |
| Net loans and leases to total assets | 64.6640% | 2,970 |
| Net loans and leases to deposits | 85.4305% | 1,876 |
| Net loans and leases to core deposits | 94.9192% | 1,694 |
| Total domestic deposits to total assets | 75.6920% | 5,954 |
| Equity capital to assets | 11.5621% | 2,363 |
| Core capital (leverage) ratio | 10.8545% | 2,574 |
| Tier 1 risk-based capital ratio | 17.0059% | 2,619 |
| Total risk-based capital ratio | 19.0359% | 2,287 |
| Memoranda: | ||
| Average total assets | $721,085,000 | 940 |
| Average earning assets | $678,774,000 | 909 |
| Average equity | $83,120,330 | 884 |
| Average total loans | $468,678,330 | 944 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5926% | 5,189 |
| Cost of funding earning assets | 0.6059% | 1,925 |
| Net interest margin | 2.9866% | 5,554 |
| Noninterest income to average assets | 0.6804% | 2,284 |
| Noninterest expense to average assets | 2.6382% | 4,156 |
| Loan and lease loss provision to assets | 0.0635% | 2,852 |
| Net operating income to assets | 0.6373% | 4,012 |
| Return on assets (ROA) | 0.6809% | 3,859 |
| Pretax return on assets | 0.8490% | 3,907 |
| Return on Equity (ROE) | 5.9164% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,584 |
| Net charge-offs to loans | 0.3976% | 922 |
| Credit loss provision to net charge-offs | 24.6725% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.3319% | 2,701 |
| Efficiency ratio | 75.4583% | 2,879 |
| Assets per employee ($millions) | 4.3456% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 4,553 |
| Loan loss allowance to noncurrent loans | 118.7277% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 3,683 |
| Noncurrent loans to loans | 1.0265% | 3,371 |
| Net loans and leases to total assets | 64.3123% | 2,835 |
| Net loans and leases to deposits | 86.0822% | 1,600 |
| Net loans and leases to core deposits | 96.9705% | 1,314 |
| Total domestic deposits to total assets | 74.7102% | 6,185 |
| Equity capital to assets | 11.6455% | 2,140 |
| Core capital (leverage) ratio | 10.8743% | 2,520 |
| Tier 1 risk-based capital ratio | 17.3606% | 2,531 |
| Total risk-based capital ratio | 19.4025% | 2,201 |
| Memoranda: | ||
| Average total assets | $711,391,500 | 953 |
| Average earning assets | $670,719,500 | 925 |
| Average equity | $81,873,500 | 898 |
| Average total loans | $460,745,000 | 963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 5,559 |
| Cost of funding earning assets | 0.6660% | 2,064 |
| Net interest margin | 2.8742% | 5,842 |
| Noninterest income to average assets | 1.0018% | 1,391 |
| Noninterest expense to average assets | 2.5432% | 4,634 |
| Loan and lease loss provision to assets | 0.0563% | 4,022 |
| Net operating income to assets | 0.8529% | 3,017 |
| Return on assets (ROA) | 0.8973% | 2,889 |
| Pretax return on assets | 1.1746% | 2,672 |
| Return on Equity (ROE) | 8.0866% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.0866% | 1,028 |
| Net charge-offs to loans | 0.1361% | 3,442 |
| Credit loss provision to net charge-offs | 63.8889% | 3,454 |
| Earnings coverage of net charge-offs (x) | 13.3007% | 2,038 |
| Efficiency ratio | 68.4459% | 4,116 |
| Assets per employee ($millions) | 4.3037% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,086 |
| Loan loss allowance to noncurrent loans | 79.3441% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 3,233 |
| Noncurrent loans to loans | 1.6529% | 2,430 |
| Net loans and leases to total assets | 63.5815% | 3,121 |
| Net loans and leases to deposits | 83.5454% | 1,989 |
| Net loans and leases to core deposits | 93.0026% | 1,674 |
| Total domestic deposits to total assets | 76.1042% | 6,086 |
| Equity capital to assets | 11.3718% | 2,263 |
| Core capital (leverage) ratio | 10.7665% | 2,608 |
| Tier 1 risk-based capital ratio | 17.3059% | 2,490 |
| Total risk-based capital ratio | 19.3663% | 2,176 |
| Memoranda: | ||
| Average total assets | $694,273,400 | 951 |
| Average earning assets | $655,546,800 | 920 |
| Average equity | $77,041,000 | 925 |
| Average total loans | $449,698,400 | 952 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 5,647 |
| Cost of funding earning assets | 0.6709% | 2,169 |
| Net interest margin | 2.8448% | 5,930 |
| Noninterest income to average assets | 1.0154% | 1,411 |
| Noninterest expense to average assets | 2.5563% | 4,526 |
| Loan and lease loss provision to assets | 0.0697% | 3,668 |
| Net operating income to assets | 0.8269% | 3,218 |
| Return on assets (ROA) | 0.8697% | 3,104 |
| Pretax return on assets | 1.1322% | 2,972 |
| Return on Equity (ROE) | 7.8880% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.8880% | 1,458 |
| Net charge-offs to loans | 0.1501% | 3,040 |
| Credit loss provision to net charge-offs | 71.6270% | 3,038 |
| Earnings coverage of net charge-offs (x) | 11.7759% | 2,202 |
| Efficiency ratio | 69.0402% | 3,910 |
| Assets per employee ($millions) | 4.2786% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,308 |
| Loan loss allowance to noncurrent loans | 82.8517% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 3,496 |
| Noncurrent loans to loans | 1.5878% | 2,787 |
| Net loans and leases to total assets | 64.9801% | 2,807 |
| Net loans and leases to deposits | 85.6881% | 1,652 |
| Net loans and leases to core deposits | 94.6527% | 1,509 |
| Total domestic deposits to total assets | 75.8333% | 6,187 |
| Equity capital to assets | 11.0198% | 2,736 |
| Core capital (leverage) ratio | 10.7110% | 2,777 |
| Tier 1 risk-based capital ratio | 16.8416% | 2,776 |
| Total risk-based capital ratio | 18.8204% | 2,453 |
| Memoranda: | ||
| Average total assets | $690,315,000 | 968 |
| Average earning assets | $652,066,000 | 929 |
| Average equity | $76,113,250 | 947 |
| Average total loans | $447,748,750 | 960 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 5,697 |
| Cost of funding earning assets | 0.6733% | 2,278 |
| Net interest margin | 2.8259% | 5,954 |
| Noninterest income to average assets | 1.0747% | 1,327 |
| Noninterest expense to average assets | 2.5564% | 4,540 |
| Loan and lease loss provision to assets | 0.0699% | 3,637 |
| Net operating income to assets | 0.8538% | 3,027 |
| Return on assets (ROA) | 0.9034% | 2,920 |
| Pretax return on assets | 1.1828% | 2,753 |
| Return on Equity (ROE) | 8.1919% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.1919% | 1,402 |
| Net charge-offs to loans | 0.1287% | 3,092 |
| Credit loss provision to net charge-offs | 84.2105% | 2,549 |
| Earnings coverage of net charge-offs (x) | 14.3018% | 1,831 |
| Efficiency ratio | 68.2826% | 4,128 |
| Assets per employee ($millions) | 4.0984% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 4,228 |
| Loan loss allowance to noncurrent loans | 78.8963% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 3,413 |
| Noncurrent loans to loans | 1.7211% | 2,733 |
| Net loans and leases to total assets | 65.1590% | 2,735 |
| Net loans and leases to deposits | 85.5308% | 1,621 |
| Net loans and leases to core deposits | 95.4488% | 1,401 |
| Total domestic deposits to total assets | 76.1819% | 6,235 |
| Equity capital to assets | 10.9525% | 2,796 |
| Core capital (leverage) ratio | 10.6886% | 2,680 |
| Tier 1 risk-based capital ratio | 16.6094% | 2,882 |
| Total risk-based capital ratio | 18.5689% | 2,555 |
| Memoranda: | ||
| Average total assets | $686,523,330 | 971 |
| Average earning assets | $648,436,330 | 931 |
| Average equity | $75,709,330 | 958 |
| Average total loans | $442,986,000 | 964 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4605% | 5,810 |
| Cost of funding earning assets | 0.6736% | 2,456 |
| Net interest margin | 2.7869% | 6,054 |
| Noninterest income to average assets | 1.0894% | 1,243 |
| Noninterest expense to average assets | 2.5312% | 4,650 |
| Loan and lease loss provision to assets | 0.0700% | 3,465 |
| Net operating income to assets | 0.8588% | 2,869 |
| Return on assets (ROA) | 0.8758% | 2,923 |
| Pretax return on assets | 1.1419% | 2,805 |
| Return on Equity (ROE) | 7.9147% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.9147% | 1,779 |
| Net charge-offs to loans | 0.1894% | 2,277 |
| Credit loss provision to net charge-offs | 57.9710% | 2,487 |
| Earnings coverage of net charge-offs (x) | 9.8502% | 1,799 |
| Efficiency ratio | 68.0257% | 4,303 |
| Assets per employee ($millions) | 4.2148% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 4,266 |
| Loan loss allowance to noncurrent loans | 75.4211% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 3,504 |
| Noncurrent loans to loans | 1.8492% | 2,801 |
| Net loans and leases to total assets | 63.9091% | 2,726 |
| Net loans and leases to deposits | 84.5736% | 1,522 |
| Net loans and leases to core deposits | 96.0248% | 1,199 |
| Total domestic deposits to total assets | 75.5663% | 6,405 |
| Equity capital to assets | 11.2892% | 2,643 |
| Core capital (leverage) ratio | 10.5376% | 2,724 |
| Tier 1 risk-based capital ratio | 16.5814% | 2,963 |
| Total risk-based capital ratio | 18.5384% | 2,614 |
| Memoranda: | ||
| Average total assets | $685,520,000 | 983 |
| Average earning assets | $647,309,500 | 941 |
| Average equity | $75,858,500 | 967 |
| Average total loans | $437,071,500 | 982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 5,999 |
| Cost of funding earning assets | 0.7474% | 3,106 |
| Net interest margin | 2.9812% | 6,084 |
| Noninterest income to average assets | 1.0185% | 1,486 |
| Noninterest expense to average assets | 2.5238% | 5,017 |
| Loan and lease loss provision to assets | 0.1079% | 4,283 |
| Net operating income to assets | 0.9046% | 2,790 |
| Return on assets (ROA) | 0.9422% | 2,838 |
| Pretax return on assets | 1.2616% | 2,560 |
| Return on Equity (ROE) | 8.6800% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.6800% | 917 |
| Net charge-offs to loans | 0.0830% | 4,847 |
| Credit loss provision to net charge-offs | 208.4795% | 1,224 |
| Earnings coverage of net charge-offs (x) | 25.4854% | 1,134 |
| Efficiency ratio | 65.6688% | 4,570 |
| Assets per employee ($millions) | 4.3551% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,004 |
| Loan loss allowance to noncurrent loans | 71.8775% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 3,544 |
| Noncurrent loans to loans | 1.9927% | 2,707 |
| Net loans and leases to total assets | 61.8250% | 3,281 |
| Net loans and leases to deposits | 80.2134% | 2,253 |
| Net loans and leases to core deposits | 90.6171% | 1,762 |
| Total domestic deposits to total assets | 77.0757% | 6,215 |
| Equity capital to assets | 10.8470% | 3,124 |
| Core capital (leverage) ratio | 10.3115% | 2,998 |
| Tier 1 risk-based capital ratio | 16.4129% | 2,937 |
| Total risk-based capital ratio | 18.2674% | 2,610 |
| Memoranda: | ||
| Average total assets | $660,598,200 | 996 |
| Average earning assets | $625,921,200 | 957 |
| Average equity | $71,705,200 | 986 |
| Average total loans | $411,817,000 | 1,016 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 6,081 |
| Cost of funding earning assets | 0.7625% | 3,251 |
| Net interest margin | 3.0122% | 6,147 |
| Noninterest income to average assets | 0.8701% | 1,941 |
| Noninterest expense to average assets | 2.5884% | 4,778 |
| Loan and lease loss provision to assets | 0.0738% | 4,738 |
| Net operating income to assets | 0.8095% | 3,401 |
| Return on assets (ROA) | 0.8474% | 3,476 |
| Pretax return on assets | 1.1155% | 3,294 |
| Return on Equity (ROE) | 7.8056% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.8056% | 1,703 |
| Net charge-offs to loans | 0.1119% | 4,269 |
| Credit loss provision to net charge-offs | 105.8651% | 2,778 |
| Earnings coverage of net charge-offs (x) | 16.3547% | 1,698 |
| Efficiency ratio | 69.4361% | 3,798 |
| Assets per employee ($millions) | 4.2212% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,449 |
| Loan loss allowance to noncurrent loans | 105.1783% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 4,539 |
| Noncurrent loans to loans | 1.3144% | 3,843 |
| Net loans and leases to total assets | 62.7830% | 3,244 |
| Net loans and leases to deposits | 82.8571% | 2,010 |
| Net loans and leases to core deposits | 95.4951% | 1,452 |
| Total domestic deposits to total assets | 75.7727% | 6,415 |
| Equity capital to assets | 11.1054% | 3,143 |
| Core capital (leverage) ratio | 10.1955% | 3,289 |
| Tier 1 risk-based capital ratio | 16.0954% | 3,219 |
| Total risk-based capital ratio | 17.9706% | 2,848 |
| Memoranda: | ||
| Average total assets | $652,632,500 | 1,018 |
| Average earning assets | $619,165,250 | 978 |
| Average equity | $70,853,750 | 1,000 |
| Average total loans | $406,187,500 | 1,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 6,122 |
| Cost of funding earning assets | 0.7768% | 3,388 |
| Net interest margin | 3.0309% | 6,172 |
| Noninterest income to average assets | 0.8221% | 2,089 |
| Noninterest expense to average assets | 2.5836% | 4,836 |
| Loan and lease loss provision to assets | 0.0741% | 4,699 |
| Net operating income to assets | 0.7869% | 3,442 |
| Return on assets (ROA) | 0.8094% | 3,617 |
| Pretax return on assets | 1.0715% | 3,410 |
| Return on Equity (ROE) | 7.5148% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.5148% | 1,861 |
| Net charge-offs to loans | 0.0560% | 4,633 |
| Credit loss provision to net charge-offs | 214.2857% | 1,318 |
| Earnings coverage of net charge-offs (x) | 32.2768% | 1,023 |
| Efficiency ratio | 69.8348% | 3,795 |
| Assets per employee ($millions) | 4.1506% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 4,212 |
| Loan loss allowance to noncurrent loans | 108.7304% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 4,628 |
| Noncurrent loans to loans | 1.3416% | 3,911 |
| Net loans and leases to total assets | 61.1906% | 3,591 |
| Net loans and leases to deposits | 79.3353% | 2,474 |
| Net loans and leases to core deposits | 89.9223% | 1,994 |
| Total domestic deposits to total assets | 77.1291% | 6,304 |
| Equity capital to assets | 10.8144% | 3,324 |
| Core capital (leverage) ratio | 9.9372% | 3,505 |
| Tier 1 risk-based capital ratio | 16.2243% | 3,053 |
| Total risk-based capital ratio | 18.0795% | 2,707 |
| Memoranda: | ||
| Average total assets | $647,861,330 | 1,023 |
| Average earning assets | $615,074,670 | 981 |
| Average equity | $69,782,670 | 1,005 |
| Average total loans | $400,050,330 | 1,054 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 6,147 |
| Cost of funding earning assets | 0.7956% | 3,510 |
| Net interest margin | 3.0524% | 6,177 |
| Noninterest income to average assets | 0.7622% | 2,334 |
| Noninterest expense to average assets | 2.6176% | 4,751 |
| Loan and lease loss provision to assets | 0.0748% | 4,460 |
| Net operating income to assets | 0.7174% | 3,795 |
| Return on assets (ROA) | 0.7566% | 3,829 |
| Pretax return on assets | 1.0233% | 3,595 |
| Return on Equity (ROE) | 7.0388% | 3,763 |
| Retained earnings to average equity (ytd only) | 7.0388% | 2,417 |
| Net charge-offs to loans | 0.0375% | 4,174 |
| Credit loss provision to net charge-offs | 324.3243% | 923 |
| Earnings coverage of net charge-offs (x) | 45.3243% | 681 |
| Efficiency ratio | 71.4650% | 3,538 |
| Assets per employee ($millions) | 4.1468% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 4,216 |
| Loan loss allowance to noncurrent loans | 97.4380% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 4,495 |
| Noncurrent loans to loans | 1.5285% | 3,825 |
| Net loans and leases to total assets | 60.6635% | 3,519 |
| Net loans and leases to deposits | 79.2073% | 2,310 |
| Net loans and leases to core deposits | 92.4872% | 1,599 |
| Total domestic deposits to total assets | 76.5882% | 6,473 |
| Equity capital to assets | 10.8135% | 3,126 |
| Core capital (leverage) ratio | 10.2037% | 3,100 |
| Tier 1 risk-based capital ratio | 16.4726% | 2,923 |
| Total risk-based capital ratio | 18.3615% | 2,604 |
| Memoranda: | ||
| Average total assets | $641,820,500 | 1,032 |
| Average earning assets | $609,885,000 | 985 |
| Average equity | $68,989,500 | 1,014 |
| Average total loans | $395,175,000 | 1,068 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 6,087 |
| Cost of funding earning assets | 0.9000% | 4,116 |
| Net interest margin | 3.2892% | 5,839 |
| Noninterest income to average assets | 0.8522% | 1,835 |
| Noninterest expense to average assets | 2.5863% | 5,147 |
| Loan and lease loss provision to assets | 0.1105% | 5,205 |
| Net operating income to assets | 0.9496% | 2,410 |
| Return on assets (ROA) | 0.9702% | 2,455 |
| Pretax return on assets | 1.3044% | 2,115 |
| Return on Equity (ROE) | 9.3542% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.3542% | 711 |
| Net charge-offs to loans | 0.1686% | 4,806 |
| Credit loss provision to net charge-offs | 102.2590% | 3,389 |
| Earnings coverage of net charge-offs (x) | 12.8343% | 1,591 |
| Efficiency ratio | 65.0909% | 4,936 |
| Assets per employee ($millions) | 4.2169% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 4,059 |
| Loan loss allowance to noncurrent loans | 102.0408% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 4,631 |
| Noncurrent loans to loans | 1.4625% | 3,966 |
| Net loans and leases to total assets | 60.6424% | 3,861 |
| Net loans and leases to deposits | 79.3178% | 2,638 |
| Net loans and leases to core deposits | 93.0462% | 1,795 |
| Total domestic deposits to total assets | 76.4549% | 6,418 |
| Equity capital to assets | 10.6835% | 3,320 |
| Core capital (leverage) ratio | 10.0517% | 3,276 |
| Tier 1 risk-based capital ratio | 16.2661% | 2,922 |
| Total risk-based capital ratio | 18.0814% | 2,640 |
| Memoranda: | ||
| Average total assets | $614,381,800 | 1,062 |
| Average earning assets | $583,000,800 | 1,014 |
| Average equity | $63,725,400 | 1,058 |
| Average total loans | $393,904,600 | 1,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 6,067 |
| Cost of funding earning assets | 0.9215% | 4,265 |
| Net interest margin | 3.3371% | 5,748 |
| Noninterest income to average assets | 0.7681% | 2,207 |
| Noninterest expense to average assets | 2.6482% | 4,913 |
| Loan and lease loss provision to assets | 0.1198% | 4,937 |
| Net operating income to assets | 0.8672% | 2,873 |
| Return on assets (ROA) | 0.8975% | 2,895 |
| Pretax return on assets | 1.2072% | 2,603 |
| Return on Equity (ROE) | 8.7212% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.7212% | 1,245 |
| Net charge-offs to loans | 0.2204% | 4,054 |
| Credit loss provision to net charge-offs | 83.8957% | 4,007 |
| Earnings coverage of net charge-offs (x) | 9.0062% | 2,102 |
| Efficiency ratio | 67.3124% | 4,461 |
| Assets per employee ($millions) | 4.2684% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,361 |
| Loan loss allowance to noncurrent loans | 112.1111% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 4,816 |
| Noncurrent loans to loans | 1.2863% | 4,381 |
| Net loans and leases to total assets | 62.4129% | 3,628 |
| Net loans and leases to deposits | 82.1954% | 2,323 |
| Net loans and leases to core deposits | 97.5910% | 1,457 |
| Total domestic deposits to total assets | 75.9323% | 6,540 |
| Equity capital to assets | 10.5892% | 3,591 |
| Core capital (leverage) ratio | 9.9040% | 3,566 |
| Tier 1 risk-based capital ratio | 15.8108% | 3,213 |
| Total risk-based capital ratio | 17.5535% | 2,932 |
| Memoranda: | ||
| Average total assets | $608,790,250 | 1,082 |
| Average earning assets | $577,610,750 | 1,030 |
| Average equity | $62,650,000 | 1,079 |
| Average total loans | $394,383,500 | 1,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 6,073 |
| Cost of funding earning assets | 0.9361% | 4,419 |
| Net interest margin | 3.3466% | 5,720 |
| Noninterest income to average assets | 0.7753% | 2,130 |
| Noninterest expense to average assets | 2.6951% | 4,846 |
| Loan and lease loss provision to assets | 0.1371% | 4,594 |
| Net operating income to assets | 0.8173% | 2,997 |
| Return on assets (ROA) | 0.8626% | 2,902 |
| Pretax return on assets | 1.1806% | 2,560 |
| Return on Equity (ROE) | 8.4678% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.4678% | 1,275 |
| Net charge-offs to loans | 0.2659% | 3,557 |
| Credit loss provision to net charge-offs | 78.9675% | 3,803 |
| Earnings coverage of net charge-offs (x) | 7.2333% | 2,254 |
| Efficiency ratio | 68.2181% | 4,478 |
| Assets per employee ($millions) | 4.1613% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 4,421 |
| Loan loss allowance to noncurrent loans | 99.2373% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 4,737 |
| Noncurrent loans to loans | 1.4456% | 4,250 |
| Net loans and leases to total assets | 63.4405% | 3,592 |
| Net loans and leases to deposits | 83.0941% | 2,257 |
| Net loans and leases to core deposits | 103.4492% | 1,078 |
| Total domestic deposits to total assets | 76.3478% | 6,550 |
| Equity capital to assets | 10.3061% | 3,744 |
| Core capital (leverage) ratio | 9.8703% | 3,424 |
| Tier 1 risk-based capital ratio | 15.4854% | 3,250 |
| Total risk-based capital ratio | 17.3039% | 2,918 |
| Memoranda: | ||
| Average total assets | $602,567,000 | 1,106 |
| Average earning assets | $571,752,330 | 1,051 |
| Average equity | $61,385,670 | 1,102 |
| Average total loans | $393,396,000 | 1,103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 6,011 |
| Cost of funding earning assets | 0.9540% | 4,537 |
| Net interest margin | 3.3495% | 5,613 |
| Noninterest income to average assets | 0.8858% | 1,707 |
| Noninterest expense to average assets | 2.7415% | 4,669 |
| Loan and lease loss provision to assets | 0.0903% | 4,886 |
| Net operating income to assets | 0.8907% | 2,610 |
| Return on assets (ROA) | 0.9814% | 2,301 |
| Pretax return on assets | 1.3633% | 1,834 |
| Return on Equity (ROE) | 9.6927% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.6927% | 1,182 |
| Net charge-offs to loans | 0.0758% | 4,180 |
| Credit loss provision to net charge-offs | 181.0811% | 1,617 |
| Earnings coverage of net charge-offs (x) | 26.6351% | 920 |
| Efficiency ratio | 67.3730% | 4,775 |
| Assets per employee ($millions) | 4.1054% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 4,221 |
| Loan loss allowance to noncurrent loans | 90.7342% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 4,663 |
| Noncurrent loans to loans | 1.6514% | 4,004 |
| Net loans and leases to total assets | 64.6535% | 3,321 |
| Net loans and leases to deposits | 84.9533% | 1,885 |
| Net loans and leases to core deposits | 108.4082% | 822 |
| Total domestic deposits to total assets | 76.1048% | 6,656 |
| Equity capital to assets | 10.1806% | 3,559 |
| Core capital (leverage) ratio | 9.8823% | 3,295 |
| Tier 1 risk-based capital ratio | 15.5888% | 3,109 |
| Total risk-based capital ratio | 17.3841% | 2,811 |
| Memoranda: | ||
| Average total assets | $593,836,500 | 1,126 |
| Average earning assets | $564,388,000 | 1,077 |
| Average equity | $60,128,000 | 1,108 |
| Average total loans | $390,557,000 | 1,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 6,131 |
| Cost of funding earning assets | 1.0395% | 5,487 |
| Net interest margin | 3.5543% | 5,024 |
| Noninterest income to average assets | 0.9950% | 1,520 |
| Noninterest expense to average assets | 2.8071% | 4,579 |
| Loan and lease loss provision to assets | 0.2231% | 5,047 |
| Net operating income to assets | 0.9681% | 2,141 |
| Return on assets (ROA) | 0.9902% | 2,177 |
| Pretax return on assets | 1.3634% | 1,758 |
| Return on Equity (ROE) | 9.6617% | 2,052 |
| Retained earnings to average equity (ytd only) | 9.6617% | 579 |
| Net charge-offs to loans | 0.2118% | 5,019 |
| Credit loss provision to net charge-offs | 152.9842% | 2,337 |
| Earnings coverage of net charge-offs (x) | 10.6711% | 1,682 |
| Efficiency ratio | 64.3354% | 5,293 |
| Assets per employee ($millions) | 4.0853% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,977 |
| Loan loss allowance to noncurrent loans | 83.8844% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 4,401 |
| Noncurrent loans to loans | 1.7942% | 3,822 |
| Net loans and leases to total assets | 64.9105% | 3,681 |
| Net loans and leases to deposits | 85.8962% | 2,122 |
| Net loans and leases to core deposits | 100.9533% | 1,540 |
| Total domestic deposits to total assets | 75.5685% | 6,689 |
| Equity capital to assets | 10.0690% | 3,660 |
| Core capital (leverage) ratio | 9.7821% | 3,341 |
| Tier 1 risk-based capital ratio | 15.5104% | 2,991 |
| Total risk-based capital ratio | 17.3285% | 2,673 |
| Memoranda: | ||
| Average total assets | $562,998,000 | 1,193 |
| Average earning assets | $533,526,000 | 1,146 |
| Average equity | $57,702,200 | 1,152 |
| Average total loans | $387,623,000 | 1,161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 6,148 |
| Cost of funding earning assets | 1.0591% | 5,652 |
| Net interest margin | 3.6013% | 4,868 |
| Noninterest income to average assets | 0.8582% | 1,965 |
| Noninterest expense to average assets | 2.8408% | 4,310 |
| Loan and lease loss provision to assets | 0.1796% | 5,249 |
| Net operating income to assets | 0.9014% | 2,602 |
| Return on assets (ROA) | 0.9245% | 2,652 |
| Pretax return on assets | 1.2821% | 2,221 |
| Return on Equity (ROE) | 8.9787% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.9787% | 1,059 |
| Net charge-offs to loans | 0.0757% | 5,758 |
| Credit loss provision to net charge-offs | 340.9091% | 933 |
| Earnings coverage of net charge-offs (x) | 27.1315% | 942 |
| Efficiency ratio | 66.5227% | 4,744 |
| Assets per employee ($millions) | 3.9675% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 4,013 |
| Loan loss allowance to noncurrent loans | 102.7018% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 5,024 |
| Noncurrent loans to loans | 1.4506% | 4,444 |
| Net loans and leases to total assets | 67.6921% | 3,292 |
| Net loans and leases to deposits | 90.7409% | 1,614 |
| Net loans and leases to core deposits | 105.2337% | 1,384 |
| Total domestic deposits to total assets | 74.5993% | 6,844 |
| Equity capital to assets | 10.4339% | 3,593 |
| Core capital (leverage) ratio | 9.7638% | 3,531 |
| Tier 1 risk-based capital ratio | 14.7567% | 3,363 |
| Total risk-based capital ratio | 16.5273% | 3,078 |
| Memoranda: | ||
| Average total assets | $556,677,250 | 1,214 |
| Average earning assets | $527,463,000 | 1,171 |
| Average equity | $57,319,250 | 1,160 |
| Average total loans | $387,606,000 | 1,177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 6,174 |
| Cost of funding earning assets | 1.0843% | 5,761 |
| Net interest margin | 3.6047% | 4,790 |
| Noninterest income to average assets | 0.8377% | 1,930 |
| Noninterest expense to average assets | 2.8673% | 4,197 |
| Loan and lease loss provision to assets | 0.1821% | 5,048 |
| Net operating income to assets | 0.8711% | 2,654 |
| Return on assets (ROA) | 0.8897% | 2,709 |
| Pretax return on assets | 1.2295% | 2,320 |
| Return on Equity (ROE) | 8.6816% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.6816% | 1,207 |
| Net charge-offs to loans | 0.1218% | 4,966 |
| Credit loss provision to net charge-offs | 213.6752% | 1,825 |
| Earnings coverage of net charge-offs (x) | 16.2607% | 1,407 |
| Efficiency ratio | 67.4174% | 4,688 |
| Assets per employee ($millions) | 3.8911% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 4,172 |
| Loan loss allowance to noncurrent loans | 86.7289% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 4,831 |
| Noncurrent loans to loans | 1.6737% | 4,181 |
| Net loans and leases to total assets | 67.7097% | 3,452 |
| Net loans and leases to deposits | 89.8999% | 1,870 |
| Net loans and leases to core deposits | 106.0566% | 1,440 |
| Total domestic deposits to total assets | 75.3168% | 6,806 |
| Equity capital to assets | 10.1933% | 3,775 |
| Core capital (leverage) ratio | 9.7195% | 3,512 |
| Tier 1 risk-based capital ratio | 14.6094% | 3,379 |
| Total risk-based capital ratio | 16.3397% | 3,073 |
| Memoranda: | ||
| Average total assets | $549,153,670 | 1,237 |
| Average earning assets | $520,317,330 | 1,190 |
| Average equity | $56,279,670 | 1,170 |
| Average total loans | $384,129,670 | 1,197 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 6,209 |
| Cost of funding earning assets | 1.1348% | 5,735 |
| Net interest margin | 3.5766% | 4,830 |
| Noninterest income to average assets | 0.8583% | 1,781 |
| Noninterest expense to average assets | 2.9432% | 3,893 |
| Loan and lease loss provision to assets | 0.1853% | 4,653 |
| Net operating income to assets | 0.8084% | 2,925 |
| Return on assets (ROA) | 0.8398% | 2,891 |
| Pretax return on assets | 1.1577% | 2,522 |
| Return on Equity (ROE) | 8.1709% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.1709% | 1,636 |
| Net charge-offs to loans | 0.0472% | 4,933 |
| Credit loss provision to net charge-offs | 555.5556% | 775 |
| Earnings coverage of net charge-offs (x) | 38.9778% | 708 |
| Efficiency ratio | 69.3624% | 4,432 |
| Assets per employee ($millions) | 3.8230% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 4,187 |
| Loan loss allowance to noncurrent loans | 84.3364% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 4,743 |
| Noncurrent loans to loans | 1.7127% | 4,175 |
| Net loans and leases to total assets | 69.9555% | 2,949 |
| Net loans and leases to deposits | 94.6699% | 1,274 |
| Net loans and leases to core deposits | 109.0394% | 1,352 |
| Total domestic deposits to total assets | 73.8942% | 7,063 |
| Equity capital to assets | 10.2653% | 3,515 |
| Core capital (leverage) ratio | 9.9101% | 3,277 |
| Tier 1 risk-based capital ratio | 14.3344% | 3,474 |
| Total risk-based capital ratio | 16.1615% | 3,112 |
| Memoranda: | ||
| Average total assets | $539,677,500 | 1,297 |
| Average earning assets | $510,759,500 | 1,248 |
| Average equity | $55,465,000 | 1,201 |
| Average total loans | $381,030,000 | 1,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 6,294 |
| Cost of funding earning assets | 1.4216% | 5,838 |
| Net interest margin | 3.6226% | 4,464 |
| Noninterest income to average assets | 1.0967% | 1,277 |
| Noninterest expense to average assets | 2.9518% | 4,334 |
| Loan and lease loss provision to assets | 0.4017% | 4,404 |
| Net operating income to assets | 0.8500% | 2,349 |
| Return on assets (ROA) | 0.8689% | 2,348 |
| Pretax return on assets | 1.1862% | 1,994 |
| Return on Equity (ROE) | 8.6590% | 2,141 |
| Retained earnings to average equity (ytd only) | 8.6590% | 552 |
| Net charge-offs to loans | 0.1772% | 5,533 |
| Credit loss provision to net charge-offs | 317.6923% | 1,026 |
| Earnings coverage of net charge-offs (x) | 12.3538% | 1,518 |
| Efficiency ratio | 65.3954% | 5,517 |
| Assets per employee ($millions) | 3.7778% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 4,016 |
| Loan loss allowance to noncurrent loans | 84.2960% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2257% | 4,649 |
| Noncurrent loans to loans | 1.7128% | 4,068 |
| Net loans and leases to total assets | 69.2021% | 3,436 |
| Net loans and leases to deposits | 94.5502% | 1,523 |
| Net loans and leases to core deposits | 113.4426% | 2,551 |
| Total domestic deposits to total assets | 73.1909% | 7,132 |
| Equity capital to assets | 10.2899% | 3,413 |
| Core capital (leverage) ratio | 9.7790% | 3,355 |
| Tier 1 risk-based capital ratio | 14.7540% | 3,073 |
| Total risk-based capital ratio | 16.5833% | 2,745 |
| Memoranda: | ||
| Average total assets | $514,096,000 | 1,341 |
| Average earning assets | $484,932,200 | 1,302 |
| Average equity | $51,588,000 | 1,297 |
| Average total loans | $366,721,200 | 1,309 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 5,936 |
| Cost of funding earning assets | 1.4774% | 5,925 |
| Net interest margin | 3.7078% | 4,032 |
| Noninterest income to average assets | 1.1651% | 1,161 |
| Noninterest expense to average assets | 3.0510% | 3,839 |
| Loan and lease loss provision to assets | 0.3612% | 4,159 |
| Net operating income to assets | 0.8867% | 2,464 |
| Return on assets (ROA) | 0.8746% | 2,596 |
| Pretax return on assets | 1.2321% | 2,157 |
| Return on Equity (ROE) | 8.7745% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.7745% | 902 |
| Net charge-offs to loans | 0.0913% | 5,774 |
| Credit loss provision to net charge-offs | 552.0000% | 707 |
| Earnings coverage of net charge-offs (x) | 24.6116% | 1,084 |
| Efficiency ratio | 65.4539% | 5,465 |
| Assets per employee ($millions) | 3.7309% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,214 |
| Loan loss allowance to noncurrent loans | 84.6014% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 4,712 |
| Noncurrent loans to loans | 1.5940% | 4,242 |
| Net loans and leases to total assets | 71.1288% | 3,238 |
| Net loans and leases to deposits | 99.1279% | 1,199 |
| Net loans and leases to core deposits | 120.6253% | 2,194 |
| Total domestic deposits to total assets | 71.7546% | 7,236 |
| Equity capital to assets | 10.3472% | 3,682 |
| Core capital (leverage) ratio | 9.8098% | 3,507 |
| Tier 1 risk-based capital ratio | 14.3555% | 3,355 |
| Total risk-based capital ratio | 16.1422% | 3,032 |
| Memoranda: | ||
| Average total assets | $509,452,750 | 1,372 |
| Average earning assets | $480,376,750 | 1,333 |
| Average equity | $50,782,250 | 1,335 |
| Average total loans | $364,897,000 | 1,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 5,609 |
| Cost of funding earning assets | 1.5532% | 5,906 |
| Net interest margin | 3.7569% | 3,730 |
| Noninterest income to average assets | 1.1684% | 1,148 |
| Noninterest expense to average assets | 3.1957% | 3,345 |
| Loan and lease loss provision to assets | 0.1766% | 5,282 |
| Net operating income to assets | 0.9359% | 2,323 |
| Return on assets (ROA) | 0.9101% | 2,515 |
| Pretax return on assets | 1.2958% | 2,036 |
| Return on Equity (ROE) | 9.2524% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.2524% | 877 |
| Net charge-offs to loans | 0.0444% | 5,845 |
| Credit loss provision to net charge-offs | 556.2500% | 833 |
| Earnings coverage of net charge-offs (x) | 47.5375% | 710 |
| Efficiency ratio | 67.9207% | 5,163 |
| Assets per employee ($millions) | 3.5979% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 5,053 |
| Loan loss allowance to noncurrent loans | 239.8015% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,484 |
| Noncurrent loans to loans | 0.4935% | 6,293 |
| Net loans and leases to total assets | 70.5913% | 3,552 |
| Net loans and leases to deposits | 96.9859% | 1,655 |
| Net loans and leases to core deposits | 116.1137% | 2,701 |
| Total domestic deposits to total assets | 72.7850% | 7,141 |
| Equity capital to assets | 9.9405% | 4,033 |
| Core capital (leverage) ratio | 9.7983% | 3,522 |
| Tier 1 risk-based capital ratio | 14.3480% | 3,329 |
| Total risk-based capital ratio | 16.0359% | 3,039 |
| Memoranda: | ||
| Average total assets | $503,919,330 | 1,410 |
| Average earning assets | $474,376,670 | 1,368 |
| Average equity | $49,565,670 | 1,393 |
| Average total loans | $360,099,330 | 1,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 5,511 |
| Cost of funding earning assets | 1.6406% | 5,856 |
| Net interest margin | 3.7427% | 3,690 |
| Noninterest income to average assets | 1.2113% | 979 |
| Noninterest expense to average assets | 3.2032% | 2,972 |
| Loan and lease loss provision to assets | 0.1901% | 4,537 |
| Net operating income to assets | 0.9383% | 2,552 |
| Return on assets (ROA) | 0.8383% | 3,108 |
| Pretax return on assets | 1.1945% | 2,649 |
| Return on Equity (ROE) | 8.5697% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.5697% | 1,615 |
| Net charge-offs to loans | 0.0730% | 4,457 |
| Credit loss provision to net charge-offs | 364.6154% | 1,400 |
| Earnings coverage of net charge-offs (x) | 29.2923% | 1,077 |
| Efficiency ratio | 67.7124% | 5,020 |
| Assets per employee ($millions) | 3.5309% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 4,921 |
| Loan loss allowance to noncurrent loans | 515.1177% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 6,787 |
| Noncurrent loans to loans | 0.2294% | 6,876 |
| Net loans and leases to total assets | 69.3214% | 3,841 |
| Net loans and leases to deposits | 94.9032% | 2,121 |
| Net loans and leases to core deposits | 113.6123% | 3,048 |
| Total domestic deposits to total assets | 73.0443% | 7,043 |
| Equity capital to assets | 9.8221% | 4,219 |
| Core capital (leverage) ratio | 9.8773% | 3,548 |
| Tier 1 risk-based capital ratio | 14.6868% | 3,209 |
| Total risk-based capital ratio | 16.3158% | 2,976 |
| Memoranda: | ||
| Average total assets | $498,629,000 | 1,421 |
| Average earning assets | $468,855,000 | 1,387 |
| Average equity | $48,776,500 | 1,417 |
| Average total loans | $356,378,000 | 1,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 6,002 |
| Cost of funding earning assets | 2.3280% | 5,017 |
| Net interest margin | 3.5800% | 4,975 |
| Noninterest income to average assets | 0.6897% | 3,185 |
| Noninterest expense to average assets | 2.8609% | 4,565 |
| Loan and lease loss provision to assets | 0.1544% | 5,387 |
| Net operating income to assets | 0.7410% | 3,713 |
| Return on assets (ROA) | 0.8070% | 3,250 |
| Pretax return on assets | 1.1326% | 2,906 |
| Return on Equity (ROE) | 8.1731% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.1731% | 792 |
| Net charge-offs to loans | 0.0591% | 5,933 |
| Credit loss provision to net charge-offs | 355.4502% | 1,259 |
| Earnings coverage of net charge-offs (x) | 27.4929% | 1,242 |
| Efficiency ratio | 70.5548% | 4,239 |
| Assets per employee ($millions) | 3.5675% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,249 |
| Loan loss allowance to noncurrent loans | 213.6729% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 5,941 |
| Noncurrent loans to loans | 0.5166% | 5,801 |
| Net loans and leases to total assets | 72.0037% | 3,581 |
| Net loans and leases to deposits | 100.4188% | 1,798 |
| Net loans and leases to core deposits | 116.3689% | 3,082 |
| Total domestic deposits to total assets | 71.7034% | 7,054 |
| Equity capital to assets | 9.7417% | 4,375 |
| Core capital (leverage) ratio | 9.5247% | 3,984 |
| Tier 1 risk-based capital ratio | 14.5289% | 3,280 |
| Total risk-based capital ratio | 16.2337% | 2,969 |
| Memoranda: | ||
| Average total assets | $485,862,000 | 1,410 |
| Average earning assets | $456,703,200 | 1,363 |
| Average equity | $47,974,400 | 1,427 |
| Average total loans | $356,773,600 | 1,364 |