Home > Claremont Savings Bank > Performance and Condition Ratios
Claremont Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,887 |
| Cost of funding earning assets | 1.5968% | 1,700 |
| Net interest margin | 2.4505% | 4,143 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.8818% | 1,309 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.0067% | 4,324 |
| Return on assets (ROA) | 0.3119% | 4,008 |
| Pretax return on assets | 0.3481% | 4,041 |
| Return on Equity (ROE) | 2.6400% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.6355% | 3,398 |
| Net charge-offs to loans | -0.0185% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.5763% | 180 |
| Assets per employee ($millions) | 6.2033% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 3,620 |
| Loan loss allowance to noncurrent loans | 163.8783% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 1,297 |
| Noncurrent loans to loans | 0.5659% | 1,381 |
| Net loans and leases to total assets | 75.0500% | 1,236 |
| Net loans and leases to deposits | 98.7514% | 603 |
| Net loans and leases to core deposits | 115.9049% | 746 |
| Total domestic deposits to total assets | 76.0000% | 3,941 |
| Equity capital to assets | 12.0536% | 1,111 |
| Core capital (leverage) ratio | 13.2828% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $547,223,600 | 1,625 |
| Average earning assets | $513,198,400 | 1,596 |
| Average equity | $64,768,800 | 1,322 |
| Average total loans | $415,497,600 | 1,439 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,821 |
| Cost of funding earning assets | 1.5060% | 1,587 |
| Net interest margin | 2.5093% | 4,131 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.7386% | 1,572 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.1252% | 4,299 |
| Return on assets (ROA) | -0.0176% | 4,424 |
| Pretax return on assets | -0.0684% | 4,434 |
| Return on Equity (ROE) | -0.1500% | 4,391 |
| Retained earnings to average equity (ytd only) | -0.1492% | 4,166 |
| Net charge-offs to loans | -0.0061% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.3159% | 263 |
| Assets per employee ($millions) | 5.9099% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,354 |
| Loan loss allowance to noncurrent loans | 194.2218% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,491 |
| Noncurrent loans to loans | 0.5161% | 1,532 |
| Net loans and leases to total assets | 74.1000% | 1,327 |
| Net loans and leases to deposits | 92.5567% | 1,010 |
| Net loans and leases to core deposits | 110.5726% | 854 |
| Total domestic deposits to total assets | 80.0600% | 3,520 |
| Equity capital to assets | 11.2778% | 1,246 |
| Core capital (leverage) ratio | 12.7922% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $546,006,250 | 1,624 |
| Average earning assets | $511,894,000 | 1,593 |
| Average equity | $64,324,250 | 1,313 |
| Average total loans | $414,810,500 | 1,433 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 3,748 |
| Cost of funding earning assets | 1.3785% | 1,511 |
| Net interest margin | 2.5926% | 4,118 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.7567% | 1,507 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.1348% | 4,340 |
| Return on assets (ROA) | 0.3887% | 4,037 |
| Pretax return on assets | 0.4462% | 4,049 |
| Return on Equity (ROE) | 3.2500% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.2521% | 3,412 |
| Net charge-offs to loans | -0.0043% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.4547% | 291 |
| Assets per employee ($millions) | 5.9024% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,480 |
| Loan loss allowance to noncurrent loans | 182.9806% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 1,292 |
| Noncurrent loans to loans | 0.5400% | 1,376 |
| Net loans and leases to total assets | 75.7600% | 1,081 |
| Net loans and leases to deposits | 96.8087% | 683 |
| Net loans and leases to core deposits | 111.2077% | 776 |
| Total domestic deposits to total assets | 78.2600% | 3,815 |
| Equity capital to assets | 11.9077% | 1,076 |
| Core capital (leverage) ratio | 13.2245% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $542,830,667 | 1,627 |
| Average earning assets | $508,825,000 | 1,606 |
| Average equity | $64,881,667 | 1,308 |
| Average total loans | $414,477,333 | 1,416 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 3,651 |
| Cost of funding earning assets | 1.3137% | 1,204 |
| Net interest margin | 2.5965% | 4,209 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.8204% | 1,391 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.0430% | 4,455 |
| Return on assets (ROA) | 0.0704% | 4,426 |
| Pretax return on assets | 0.0430% | 4,430 |
| Return on Equity (ROE) | 0.5900% | 4,409 |
| Retained earnings to average equity (ytd only) | 0.5879% | 3,933 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.9637% | 235 |
| Assets per employee ($millions) | 5.8988% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,590 |
| Loan loss allowance to noncurrent loans | 180.9167% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 1,247 |
| Noncurrent loans to loans | 0.5424% | 1,364 |
| Net loans and leases to total assets | 75.5000% | 1,020 |
| Net loans and leases to deposits | 91.3396% | 960 |
| Net loans and leases to core deposits | 110.9511% | 670 |
| Total domestic deposits to total assets | 82.6600% | 3,363 |
| Equity capital to assets | 11.9094% | 1,023 |
| Core capital (leverage) ratio | 13.0879% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $539,786,000 | 1,654 |
| Average earning assets | $505,456,500 | 1,635 |
| Average equity | $64,640,500 | 1,321 |
| Average total loans | $411,711,500 | 1,443 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 2,746 |
| Cost of funding earning assets | 0.5105% | 1,315 |
| Net interest margin | 3.1084% | 3,156 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.9234% | 1,089 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.5421% | 4,014 |
| Return on assets (ROA) | -0.2971% | 4,610 |
| Pretax return on assets | -0.4382% | 4,622 |
| Return on Equity (ROE) | -2.2300% | 4,588 |
| Retained earnings to average equity (ytd only) | -2.2279% | 4,491 |
| Net charge-offs to loans | -0.0452% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.0161% | 541 |
| Assets per employee ($millions) | 5.5885% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,120 |
| Loan loss allowance to noncurrent loans | 194.6020% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,251 |
| Noncurrent loans to loans | 0.5396% | 1,367 |
| Net loans and leases to total assets | 75.5100% | 1,061 |
| Net loans and leases to deposits | 92.6546% | 878 |
| Net loans and leases to core deposits | 108.9448% | 641 |
| Total domestic deposits to total assets | 81.4900% | 3,694 |
| Equity capital to assets | 12.0309% | 923 |
| Core capital (leverage) ratio | 13.4635% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $497,433,200 | 1,725 |
| Average earning assets | $464,038,400 | 1,717 |
| Average equity | $66,341,800 | 1,302 |
| Average total loans | $373,871,000 | 1,480 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 2,476 |
| Cost of funding earning assets | 0.3631% | 1,584 |
| Net interest margin | 3.1824% | 2,676 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.9301% | 1,006 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 0.6408% | 3,719 |
| Return on assets (ROA) | -1.0692% | 4,701 |
| Pretax return on assets | -1.4245% | 4,703 |
| Return on Equity (ROE) | -7.8100% | 4,689 |
| Retained earnings to average equity (ytd only) | -7.8096% | 4,653 |
| Net charge-offs to loans | -0.0612% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.4184% | 687 |
| Assets per employee ($millions) | 5.2412% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,137 |
| Loan loss allowance to noncurrent loans | 159.8301% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 1,035 |
| Noncurrent loans to loans | 0.6708% | 1,215 |
| Net loans and leases to total assets | 77.4900% | 750 |
| Net loans and leases to deposits | 98.7880% | 414 |
| Net loans and leases to core deposits | 105.4875% | 599 |
| Total domestic deposits to total assets | 78.4400% | 4,225 |
| Equity capital to assets | 12.5064% | 770 |
| Core capital (leverage) ratio | 13.4819% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $489,065,000 | 1,754 |
| Average earning assets | $456,033,250 | 1,751 |
| Average equity | $66,959,000 | 1,308 |
| Average total loans | $366,058,000 | 1,494 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 2,309 |
| Cost of funding earning assets | 0.2862% | 1,840 |
| Net interest margin | 3.1604% | 2,326 |
| Noninterest income to average assets | 0.6043% | 1,724 |
| Noninterest expense to average assets | 2.9123% | 972 |
| Loan and lease loss provision to assets | -0.1316% | 4,634 |
| Net operating income to assets | 0.6762% | 3,389 |
| Return on assets (ROA) | -1.2508% | 4,716 |
| Pretax return on assets | -1.6640% | 4,720 |
| Return on Equity (ROE) | -8.8769% | 4,717 |
| Retained earnings to average equity (ytd only) | -8.8769% | 4,641 |
| Net charge-offs to loans | -0.0401% | 4,154 |
| Credit loss provision to net charge-offs | 445.8333% | 663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5310% | 835 |
| Assets per employee ($millions) | 5.4307% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,140 |
| Loan loss allowance to noncurrent loans | 162.4598% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 1,120 |
| Noncurrent loans to loans | 0.6812% | 1,264 |
| Net loans and leases to total assets | 73.8993% | 930 |
| Net loans and leases to deposits | 89.9228% | 727 |
| Net loans and leases to core deposits | 96.4581% | 810 |
| Total domestic deposits to total assets | 82.1808% | 3,980 |
| Equity capital to assets | 13.1585% | 639 |
| Core capital (leverage) ratio | 13.9365% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,861,333 | 1,771 |
| Average earning assets | $455,633,333 | 1,766 |
| Average equity | $68,740,000 | 1,310 |
| Average total loans | $359,433,667 | 1,504 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4025% | 2,083 |
| Cost of funding earning assets | 0.2644% | 1,982 |
| Net interest margin | 3.1381% | 2,061 |
| Noninterest income to average assets | 0.5884% | 1,744 |
| Noninterest expense to average assets | 2.8904% | 977 |
| Loan and lease loss provision to assets | 0.0443% | 1,562 |
| Net operating income to assets | 0.5158% | 3,668 |
| Return on assets (ROA) | -0.7082% | 4,720 |
| Pretax return on assets | -0.9635% | 4,725 |
| Return on Equity (ROE) | -4.8652% | 4,705 |
| Retained earnings to average equity (ytd only) | -4.8652% | 4,420 |
| Net charge-offs to loans | -0.0920% | 4,435 |
| Credit loss provision to net charge-offs | -65.8537% | 2,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7249% | 1,003 |
| Assets per employee ($millions) | 5.3131% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,649 |
| Loan loss allowance to noncurrent loans | 178.0056% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 1,166 |
| Noncurrent loans to loans | 0.6969% | 1,364 |
| Net loans and leases to total assets | 72.8910% | 751 |
| Net loans and leases to deposits | 87.1183% | 670 |
| Net loans and leases to core deposits | 93.1678% | 769 |
| Total domestic deposits to total assets | 83.6689% | 3,834 |
| Equity capital to assets | 14.2982% | 478 |
| Core capital (leverage) ratio | 14.8003% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,410,000 | 1,775 |
| Average earning assets | $455,435,500 | 1,767 |
| Average equity | $70,953,000 | 1,319 |
| Average total loans | $356,533,000 | 1,502 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 3,123 |
| Cost of funding earning assets | 0.3740% | 1,726 |
| Net interest margin | 2.9535% | 3,311 |
| Noninterest income to average assets | 0.6380% | 1,997 |
| Noninterest expense to average assets | 2.8134% | 1,331 |
| Loan and lease loss provision to assets | -0.0456% | 4,333 |
| Net operating income to assets | 0.5496% | 3,985 |
| Return on assets (ROA) | 1.5645% | 916 |
| Pretax return on assets | 1.8532% | 807 |
| Return on Equity (ROE) | 10.9767% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.9767% | 706 |
| Net charge-offs to loans | 0.0151% | 2,009 |
| Credit loss provision to net charge-offs | -411.1111% | 3,707 |
| Earnings coverage of net charge-offs (x) | 53.9815% | 1,256 |
| Efficiency ratio | 82.0521% | 670 |
| Assets per employee ($millions) | 5.4592% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,863 |
| Loan loss allowance to noncurrent loans | 195.2229% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 1,478 |
| Noncurrent loans to loans | 0.6170% | 1,600 |
| Net loans and leases to total assets | 71.6275% | 866 |
| Net loans and leases to deposits | 86.3914% | 757 |
| Net loans and leases to core deposits | 91.5089% | 907 |
| Total domestic deposits to total assets | 82.9105% | 3,829 |
| Equity capital to assets | 14.8120% | 519 |
| Core capital (leverage) ratio | 15.0976% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,352,000 | 1,730 |
| Average earning assets | $456,921,800 | 1,723 |
| Average equity | $69,319,800 | 1,360 |
| Average total loans | $358,330,600 | 1,495 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 3,298 |
| Cost of funding earning assets | 0.4062% | 1,655 |
| Net interest margin | 2.9275% | 3,487 |
| Noninterest income to average assets | 0.6423% | 2,045 |
| Noninterest expense to average assets | 2.7834% | 1,380 |
| Loan and lease loss provision to assets | -0.0959% | 4,592 |
| Net operating income to assets | 0.6222% | 3,967 |
| Return on assets (ROA) | 1.2967% | 1,897 |
| Pretax return on assets | 1.4836% | 2,038 |
| Return on Equity (ROE) | 9.1891% | 3,043 |
| Retained earnings to average equity (ytd only) | 9.1891% | 1,621 |
| Net charge-offs to loans | -0.0167% | 3,895 |
| Credit loss provision to net charge-offs | 775.5556% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5783% | 662 |
| Assets per employee ($millions) | 5.1206% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 3,007 |
| Loan loss allowance to noncurrent loans | 170.4518% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 1,451 |
| Noncurrent loans to loans | 0.7017% | 1,583 |
| Net loans and leases to total assets | 73.9461% | 699 |
| Net loans and leases to deposits | 89.1362% | 650 |
| Net loans and leases to core deposits | 94.5536% | 809 |
| Total domestic deposits to total assets | 82.9585% | 3,719 |
| Equity capital to assets | 14.7365% | 589 |
| Core capital (leverage) ratio | 14.1973% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,109,000 | 1,752 |
| Average earning assets | $456,256,500 | 1,742 |
| Average equity | $68,456,000 | 1,389 |
| Average total loans | $358,859,750 | 1,520 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 3,469 |
| Cost of funding earning assets | 0.4499% | 1,520 |
| Net interest margin | 2.8354% | 3,709 |
| Noninterest income to average assets | 0.6667% | 1,946 |
| Noninterest expense to average assets | 2.7750% | 1,409 |
| Loan and lease loss provision to assets | -0.1225% | 4,666 |
| Net operating income to assets | 0.6050% | 3,973 |
| Return on assets (ROA) | 1.7247% | 883 |
| Pretax return on assets | 1.9743% | 879 |
| Return on Equity (ROE) | 12.4009% | 1,912 |
| Retained earnings to average equity (ytd only) | 12.4009% | 832 |
| Net charge-offs to loans | 0.0245% | 1,457 |
| Credit loss provision to net charge-offs | -679.5455% | 3,555 |
| Earnings coverage of net charge-offs (x) | 31.3182% | 1,288 |
| Efficiency ratio | 82.6994% | 629 |
| Assets per employee ($millions) | 5.2159% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,071 |
| Loan loss allowance to noncurrent loans | 142.5101% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 1,382 |
| Noncurrent loans to loans | 0.8250% | 1,486 |
| Net loans and leases to total assets | 72.4190% | 916 |
| Net loans and leases to deposits | 86.6692% | 870 |
| Net loans and leases to core deposits | 93.6195% | 924 |
| Total domestic deposits to total assets | 83.5579% | 3,556 |
| Equity capital to assets | 14.2238% | 669 |
| Core capital (leverage) ratio | 13.7285% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $488,072,000 | 1,740 |
| Average earning assets | $460,115,333 | 1,722 |
| Average equity | $67,882,000 | 1,387 |
| Average total loans | $359,676,667 | 1,524 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2580% | 3,551 |
| Cost of funding earning assets | 0.4168% | 1,957 |
| Net interest margin | 2.8412% | 3,665 |
| Noninterest income to average assets | 0.7516% | 1,703 |
| Noninterest expense to average assets | 2.6524% | 1,734 |
| Loan and lease loss provision to assets | -0.3302% | 4,873 |
| Net operating income to assets | 0.9332% | 3,037 |
| Return on assets (ROA) | 2.1390% | 494 |
| Pretax return on assets | 2.5300% | 415 |
| Return on Equity (ROE) | 15.5571% | 1,099 |
| Retained earnings to average equity (ytd only) | 15.5571% | 564 |
| Net charge-offs to loans | 0.0545% | 964 |
| Credit loss provision to net charge-offs | -820.4082% | 3,304 |
| Earnings coverage of net charge-offs (x) | 19.4082% | 1,263 |
| Efficiency ratio | 76.8660% | 1,050 |
| Assets per employee ($millions) | 5.3696% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,164 |
| Loan loss allowance to noncurrent loans | 120.5977% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 1,362 |
| Noncurrent loans to loans | 0.9588% | 1,412 |
| Net loans and leases to total assets | 71.2208% | 1,122 |
| Net loans and leases to deposits | 86.4954% | 924 |
| Net loans and leases to core deposits | 92.7363% | 1,062 |
| Total domestic deposits to total assets | 82.3406% | 3,824 |
| Equity capital to assets | 13.7536% | 729 |
| Core capital (leverage) ratio | 13.9113% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,959,500 | 1,735 |
| Average earning assets | $459,672,000 | 1,714 |
| Average equity | $66,953,500 | 1,397 |
| Average total loans | $359,869,000 | 1,524 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 3,470 |
| Cost of funding earning assets | 0.6587% | 1,939 |
| Net interest margin | 3.0822% | 3,670 |
| Noninterest income to average assets | 0.6022% | 2,210 |
| Noninterest expense to average assets | 2.8350% | 1,849 |
| Loan and lease loss provision to assets | 0.2549% | 1,522 |
| Net operating income to assets | 0.3680% | 4,309 |
| Return on assets (ROA) | 0.5499% | 4,001 |
| Pretax return on assets | 0.6321% | 4,015 |
| Return on Equity (ROE) | 4.0978% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.0978% | 2,762 |
| Net charge-offs to loans | 0.1413% | 1,145 |
| Credit loss provision to net charge-offs | 229.4574% | 2,022 |
| Earnings coverage of net charge-offs (x) | 6.1027% | 2,810 |
| Efficiency ratio | 80.3077% | 864 |
| Assets per employee ($millions) | 5.1604% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,641 |
| Loan loss allowance to noncurrent loans | 134.3630% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 1,469 |
| Noncurrent loans to loans | 0.9343% | 1,507 |
| Net loans and leases to total assets | 74.8510% | 920 |
| Net loans and leases to deposits | 91.0112% | 851 |
| Net loans and leases to core deposits | 99.7063% | 912 |
| Total domestic deposits to total assets | 82.2438% | 3,606 |
| Equity capital to assets | 13.7449% | 858 |
| Core capital (leverage) ratio | 13.5094% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,450,800 | 1,651 |
| Average earning assets | $438,616,600 | 1,631 |
| Average equity | $62,325,600 | 1,406 |
| Average total loans | $365,238,800 | 1,465 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 3,588 |
| Cost of funding earning assets | 0.7096% | 1,970 |
| Net interest margin | 3.0842% | 3,771 |
| Noninterest income to average assets | 0.5584% | 2,358 |
| Noninterest expense to average assets | 2.7961% | 1,972 |
| Loan and lease loss provision to assets | 0.3411% | 1,128 |
| Net operating income to assets | 0.2959% | 4,457 |
| Return on assets (ROA) | -0.1456% | 4,837 |
| Pretax return on assets | -0.1662% | 4,831 |
| Return on Equity (ROE) | -1.0920% | 4,838 |
| Retained earnings to average equity (ytd only) | -1.0920% | 4,621 |
| Net charge-offs to loans | 0.0948% | 1,362 |
| Credit loss provision to net charge-offs | 453.0769% | 1,360 |
| Earnings coverage of net charge-offs (x) | 8.9885% | 2,458 |
| Efficiency ratio | 80.1184% | 864 |
| Assets per employee ($millions) | 5.1745% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,365 |
| Loan loss allowance to noncurrent loans | 122.4453% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 1,394 |
| Noncurrent loans to loans | 1.0266% | 1,458 |
| Net loans and leases to total assets | 79.4808% | 659 |
| Net loans and leases to deposits | 97.7935% | 636 |
| Net loans and leases to core deposits | 108.4856% | 752 |
| Total domestic deposits to total assets | 81.2741% | 3,594 |
| Equity capital to assets | 13.2213% | 1,097 |
| Core capital (leverage) ratio | 13.0666% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,584,500 | 1,649 |
| Average earning assets | $435,193,000 | 1,624 |
| Average equity | $61,416,000 | 1,409 |
| Average total loans | $365,601,250 | 1,455 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 3,824 |
| Cost of funding earning assets | 0.7782% | 1,944 |
| Net interest margin | 3.0368% | 4,043 |
| Noninterest income to average assets | 0.5266% | 2,457 |
| Noninterest expense to average assets | 2.8051% | 2,089 |
| Loan and lease loss provision to assets | 0.5077% | 692 |
| Net operating income to assets | 0.0728% | 4,715 |
| Return on assets (ROA) | -1.0365% | 4,961 |
| Pretax return on assets | -1.1586% | 4,961 |
| Return on Equity (ROE) | -7.7572% | 4,966 |
| Retained earnings to average equity (ytd only) | -7.7572% | 4,874 |
| Net charge-offs to loans | 0.1596% | 926 |
| Credit loss provision to net charge-offs | 402.7875% | 1,397 |
| Earnings coverage of net charge-offs (x) | 4.7247% | 2,575 |
| Efficiency ratio | 82.0741% | 752 |
| Assets per employee ($millions) | 4.9684% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,273 |
| Loan loss allowance to noncurrent loans | 136.5798% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 1,668 |
| Noncurrent loans to loans | 0.9126% | 1,688 |
| Net loans and leases to total assets | 80.0383% | 591 |
| Net loans and leases to deposits | 99.7047% | 570 |
| Net loans and leases to core deposits | 108.7835% | 781 |
| Total domestic deposits to total assets | 80.2754% | 3,778 |
| Equity capital to assets | 12.9396% | 1,194 |
| Core capital (leverage) ratio | 12.6397% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $455,384,667 | 1,642 |
| Average earning assets | $430,979,000 | 1,611 |
| Average equity | $60,846,333 | 1,411 |
| Average total loans | $359,738,000 | 1,460 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 4,032 |
| Cost of funding earning assets | 0.8327% | 2,209 |
| Net interest margin | 3.0681% | 4,167 |
| Noninterest income to average assets | 0.4822% | 2,644 |
| Noninterest expense to average assets | 2.8863% | 2,165 |
| Loan and lease loss provision to assets | 0.5493% | 523 |
| Net operating income to assets | -0.0468% | 4,772 |
| Return on assets (ROA) | -4.0950% | 5,079 |
| Pretax return on assets | -4.1702% | 5,078 |
| Return on Equity (ROE) | -30.1456% | 5,079 |
| Retained earnings to average equity (ytd only) | -30.1456% | 5,040 |
| Net charge-offs to loans | 0.0471% | 1,547 |
| Credit loss provision to net charge-offs | 1,497.5610% | 450 |
| Earnings coverage of net charge-offs (x) | 13.9024% | 1,628 |
| Efficiency ratio | 84.5627% | 796 |
| Assets per employee ($millions) | 4.7107% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,332 |
| Loan loss allowance to noncurrent loans | 115.2577% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,578 |
| Noncurrent loans to loans | 1.0944% | 1,519 |
| Net loans and leases to total assets | 76.6065% | 1,196 |
| Net loans and leases to deposits | 95.8754% | 925 |
| Net loans and leases to core deposits | 106.4721% | 1,028 |
| Total domestic deposits to total assets | 79.9021% | 3,880 |
| Equity capital to assets | 12.7619% | 1,579 |
| Core capital (leverage) ratio | 12.9346% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,077,000 | 1,621 |
| Average earning assets | $424,629,500 | 1,578 |
| Average equity | $60,732,000 | 1,407 |
| Average total loans | $348,332,500 | 1,459 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 4,010 |
| Cost of funding earning assets | 0.8152% | 2,610 |
| Net interest margin | 3.2997% | 3,987 |
| Noninterest income to average assets | 0.4495% | 3,011 |
| Noninterest expense to average assets | 3.0683% | 1,834 |
| Loan and lease loss provision to assets | 0.0804% | 2,389 |
| Net operating income to assets | 0.4077% | 4,580 |
| Return on assets (ROA) | 0.7578% | 3,757 |
| Pretax return on assets | 0.8575% | 3,858 |
| Return on Equity (ROE) | 5.2865% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.2865% | 2,279 |
| Net charge-offs to loans | 0.0442% | 2,504 |
| Credit loss provision to net charge-offs | 231.9728% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.5850% | 2,220 |
| Efficiency ratio | 84.6169% | 625 |
| Assets per employee ($millions) | 4.5074% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,750 |
| Loan loss allowance to noncurrent loans | 128.0880% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 1,860 |
| Noncurrent loans to loans | 0.8897% | 1,728 |
| Net loans and leases to total assets | 77.3645% | 1,186 |
| Net loans and leases to deposits | 100.3197% | 586 |
| Net loans and leases to core deposits | 109.1823% | 899 |
| Total domestic deposits to total assets | 77.1179% | 4,479 |
| Equity capital to assets | 14.4437% | 950 |
| Core capital (leverage) ratio | 14.4820% | 805 |
| Tier 1 risk-based capital ratio | 19.4113% | 1,434 |
| Total risk-based capital ratio | 20.6616% | 1,398 |
| Memoranda: | ||
| Average total assets | $424,273,200 | 1,652 |
| Average earning assets | $406,157,600 | 1,597 |
| Average equity | $60,815,000 | 1,368 |
| Average total loans | $332,355,800 | 1,493 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 4,015 |
| Cost of funding earning assets | 0.8074% | 2,674 |
| Net interest margin | 3.3524% | 3,982 |
| Noninterest income to average assets | 0.4462% | 3,046 |
| Noninterest expense to average assets | 3.0894% | 1,737 |
| Loan and lease loss provision to assets | 0.0865% | 2,187 |
| Net operating income to assets | 0.4117% | 4,701 |
| Return on assets (ROA) | 0.6416% | 4,228 |
| Pretax return on assets | 0.7445% | 4,252 |
| Return on Equity (ROE) | 4.4848% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.4848% | 3,152 |
| Net charge-offs to loans | 0.0016% | 3,390 |
| Credit loss provision to net charge-offs | 6,825.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 445.2664% | 222 |
| Efficiency ratio | 84.1540% | 608 |
| Assets per employee ($millions) | 4.5993% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,471 |
| Loan loss allowance to noncurrent loans | 116.5396% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 1,731 |
| Noncurrent loans to loans | 1.0357% | 1,549 |
| Net loans and leases to total assets | 76.0453% | 1,472 |
| Net loans and leases to deposits | 98.2327% | 798 |
| Net loans and leases to core deposits | 106.3470% | 1,160 |
| Total domestic deposits to total assets | 77.4135% | 4,455 |
| Equity capital to assets | 14.5325% | 973 |
| Core capital (leverage) ratio | 14.4217% | 872 |
| Tier 1 risk-based capital ratio | 19.7914% | 1,402 |
| Total risk-based capital ratio | 21.0426% | 1,366 |
| Memoranda: | ||
| Average total assets | $421,037,500 | 1,675 |
| Average earning assets | $402,770,250 | 1,613 |
| Average equity | $60,231,250 | 1,378 |
| Average total loans | $329,907,500 | 1,512 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 3,988 |
| Cost of funding earning assets | 0.7977% | 2,653 |
| Net interest margin | 3.3751% | 3,971 |
| Noninterest income to average assets | 0.4255% | 3,099 |
| Noninterest expense to average assets | 3.0601% | 1,839 |
| Loan and lease loss provision to assets | 0.1256% | 1,483 |
| Net operating income to assets | 0.3934% | 4,748 |
| Return on assets (ROA) | 0.5740% | 4,410 |
| Pretax return on assets | 0.6791% | 4,378 |
| Return on Equity (ROE) | 4.0344% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.0344% | 3,229 |
| Net charge-offs to loans | 0.0267% | 2,319 |
| Credit loss provision to net charge-offs | 597.7273% | 534 |
| Earnings coverage of net charge-offs (x) | 28.1818% | 1,517 |
| Efficiency ratio | 83.3682% | 703 |
| Assets per employee ($millions) | 4.3138% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,519 |
| Loan loss allowance to noncurrent loans | 105.9109% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 1,585 |
| Noncurrent loans to loans | 1.1342% | 1,436 |
| Net loans and leases to total assets | 77.1293% | 1,371 |
| Net loans and leases to deposits | 99.9235% | 685 |
| Net loans and leases to core deposits | 107.2465% | 1,158 |
| Total domestic deposits to total assets | 77.1884% | 4,541 |
| Equity capital to assets | 14.6334% | 911 |
| Core capital (leverage) ratio | 13.8651% | 1,006 |
| Tier 1 risk-based capital ratio | 19.3371% | 1,474 |
| Total risk-based capital ratio | 20.9000% | 1,384 |
| Memoranda: | ||
| Average total assets | $418,804,330 | 1,687 |
| Average earning assets | $400,408,670 | 1,629 |
| Average equity | $59,588,000 | 1,383 |
| Average total loans | $330,127,330 | 1,513 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 4,131 |
| Cost of funding earning assets | 0.7707% | 2,683 |
| Net interest margin | 3.3263% | 4,098 |
| Noninterest income to average assets | 0.4077% | 3,137 |
| Noninterest expense to average assets | 2.9882% | 2,026 |
| Loan and lease loss provision to assets | 0.1527% | 1,095 |
| Net operating income to assets | 0.3777% | 4,774 |
| Return on assets (ROA) | 0.5652% | 4,379 |
| Pretax return on assets | 0.6683% | 4,375 |
| Return on Equity (ROE) | 4.0295% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.0295% | 3,305 |
| Net charge-offs to loans | 0.0060% | 2,485 |
| Credit loss provision to net charge-offs | 3,200.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 125.8000% | 570 |
| Efficiency ratio | 82.8412% | 807 |
| Assets per employee ($millions) | 4.3831% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,799 |
| Loan loss allowance to noncurrent loans | 138.4009% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 2,110 |
| Noncurrent loans to loans | 0.8375% | 1,961 |
| Net loans and leases to total assets | 78.2209% | 1,114 |
| Net loans and leases to deposits | 101.5435% | 522 |
| Net loans and leases to core deposits | 108.7865% | 1,001 |
| Total domestic deposits to total assets | 77.0319% | 4,647 |
| Equity capital to assets | 14.2210% | 962 |
| Core capital (leverage) ratio | 13.7723% | 1,009 |
| Tier 1 risk-based capital ratio | 18.6617% | 1,616 |
| Total risk-based capital ratio | 20.1869% | 1,524 |
| Memoranda: | ||
| Average total assets | $418,986,500 | 1,691 |
| Average earning assets | $400,690,000 | 1,632 |
| Average equity | $58,766,000 | 1,395 |
| Average total loans | $331,859,000 | 1,513 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 4,121 |
| Cost of funding earning assets | 0.6787% | 2,218 |
| Net interest margin | 3.2880% | 4,282 |
| Noninterest income to average assets | 0.4940% | 2,862 |
| Noninterest expense to average assets | 3.0494% | 1,935 |
| Loan and lease loss provision to assets | 0.1316% | 1,666 |
| Net operating income to assets | 0.3803% | 4,892 |
| Return on assets (ROA) | 0.5873% | 4,456 |
| Pretax return on assets | 0.6880% | 4,441 |
| Return on Equity (ROE) | 4.2684% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.2684% | 3,200 |
| Net charge-offs to loans | 0.0578% | 2,309 |
| Credit loss provision to net charge-offs | 291.0053% | 1,052 |
| Earnings coverage of net charge-offs (x) | 12.7407% | 2,509 |
| Efficiency ratio | 83.6886% | 672 |
| Assets per employee ($millions) | 4.1719% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 2,978 |
| Loan loss allowance to noncurrent loans | 131.5696% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 2,036 |
| Noncurrent loans to loans | 0.8515% | 1,893 |
| Net loans and leases to total assets | 78.3846% | 1,204 |
| Net loans and leases to deposits | 101.3994% | 634 |
| Net loans and leases to core deposits | 108.5628% | 1,081 |
| Total domestic deposits to total assets | 77.3028% | 4,586 |
| Equity capital to assets | 13.8289% | 1,024 |
| Core capital (leverage) ratio | 13.6360% | 1,027 |
| Tier 1 risk-based capital ratio | 18.5293% | 1,612 |
| Total risk-based capital ratio | 19.8061% | 1,557 |
| Memoranda: | ||
| Average total assets | $418,010,200 | 1,639 |
| Average earning assets | $398,116,600 | 1,598 |
| Average equity | $57,515,200 | 1,374 |
| Average total loans | $327,052,800 | 1,493 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 4,191 |
| Cost of funding earning assets | 0.6671% | 2,049 |
| Net interest margin | 3.2416% | 4,428 |
| Noninterest income to average assets | 0.4642% | 3,073 |
| Noninterest expense to average assets | 3.0504% | 1,877 |
| Loan and lease loss provision to assets | 0.1285% | 1,565 |
| Net operating income to assets | 0.3209% | 5,073 |
| Return on assets (ROA) | 0.5665% | 4,600 |
| Pretax return on assets | 0.6567% | 4,627 |
| Return on Equity (ROE) | 4.1226% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.1226% | 3,713 |
| Net charge-offs to loans | 0.0638% | 1,922 |
| Credit loss provision to net charge-offs | 258.3333% | 1,145 |
| Earnings coverage of net charge-offs (x) | 10.0451% | 2,609 |
| Efficiency ratio | 85.4962% | 544 |
| Assets per employee ($millions) | 4.2931% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,189 |
| Loan loss allowance to noncurrent loans | 124.5146% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 1,769 |
| Noncurrent loans to loans | 0.8833% | 1,933 |
| Net loans and leases to total assets | 77.5406% | 1,407 |
| Net loans and leases to deposits | 101.1984% | 692 |
| Net loans and leases to core deposits | 107.1414% | 1,224 |
| Total domestic deposits to total assets | 76.6223% | 4,704 |
| Equity capital to assets | 13.9964% | 961 |
| Core capital (leverage) ratio | 13.5289% | 1,092 |
| Tier 1 risk-based capital ratio | 18.0743% | 1,770 |
| Total risk-based capital ratio | 19.5896% | 1,662 |
| Memoranda: | ||
| Average total assets | $418,214,500 | 1,641 |
| Average earning assets | $398,108,000 | 1,604 |
| Average equity | $57,470,750 | 1,367 |
| Average total loans | $326,136,000 | 1,501 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,182 |
| Cost of funding earning assets | 0.6468% | 1,940 |
| Net interest margin | 3.2158% | 4,465 |
| Noninterest income to average assets | 0.4413% | 3,209 |
| Noninterest expense to average assets | 3.0592% | 1,887 |
| Loan and lease loss provision to assets | 0.1619% | 1,151 |
| Net operating income to assets | 0.2459% | 5,185 |
| Return on assets (ROA) | 0.4561% | 4,854 |
| Pretax return on assets | 0.5172% | 4,874 |
| Return on Equity (ROE) | 3.3392% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.3392% | 3,909 |
| Net charge-offs to loans | 0.0785% | 1,537 |
| Credit loss provision to net charge-offs | 264.8438% | 1,101 |
| Earnings coverage of net charge-offs (x) | 7.2031% | 2,565 |
| Efficiency ratio | 86.9814% | 523 |
| Assets per employee ($millions) | 4.3083% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,374 |
| Loan loss allowance to noncurrent loans | 118.8168% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 1,654 |
| Noncurrent loans to loans | 0.9101% | 1,901 |
| Net loans and leases to total assets | 77.8152% | 1,344 |
| Net loans and leases to deposits | 102.9956% | 593 |
| Net loans and leases to core deposits | 108.3792% | 1,096 |
| Total domestic deposits to total assets | 75.5520% | 4,897 |
| Equity capital to assets | 13.6706% | 1,036 |
| Core capital (leverage) ratio | 13.1943% | 1,161 |
| Tier 1 risk-based capital ratio | 17.8642% | 1,838 |
| Total risk-based capital ratio | 19.2615% | 1,761 |
| Memoranda: | ||
| Average total assets | $418,807,670 | 1,644 |
| Average earning assets | $398,281,000 | 1,608 |
| Average equity | $57,199,000 | 1,374 |
| Average total loans | $326,015,670 | 1,497 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,249 |
| Cost of funding earning assets | 0.6313% | 1,837 |
| Net interest margin | 3.1567% | 4,586 |
| Noninterest income to average assets | 0.4465% | 3,137 |
| Noninterest expense to average assets | 3.0578% | 1,926 |
| Loan and lease loss provision to assets | 0.2671% | 518 |
| Net operating income to assets | 0.1043% | 5,326 |
| Return on assets (ROA) | 0.3664% | 4,994 |
| Pretax return on assets | 0.4341% | 4,981 |
| Return on Equity (ROE) | 2.6837% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.6837% | 4,102 |
| Net charge-offs to loans | 0.1294% | 1,027 |
| Credit loss provision to net charge-offs | 266.6667% | 882 |
| Earnings coverage of net charge-offs (x) | 3.8857% | 2,351 |
| Efficiency ratio | 88.2646% | 522 |
| Assets per employee ($millions) | 4.3089% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,472 |
| Loan loss allowance to noncurrent loans | 115.3770% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 1,660 |
| Noncurrent loans to loans | 0.9416% | 1,939 |
| Net loans and leases to total assets | 75.8791% | 1,560 |
| Net loans and leases to deposits | 99.9741% | 707 |
| Net loans and leases to core deposits | 106.7072% | 1,192 |
| Total domestic deposits to total assets | 75.8987% | 4,971 |
| Equity capital to assets | 13.4547% | 1,054 |
| Core capital (leverage) ratio | 13.1809% | 1,112 |
| Tier 1 risk-based capital ratio | 18.0013% | 1,838 |
| Total risk-based capital ratio | 19.4252% | 1,737 |
| Memoranda: | ||
| Average total assets | $419,259,500 | 1,655 |
| Average earning assets | $398,521,500 | 1,620 |
| Average equity | $57,233,500 | 1,384 |
| Average total loans | $324,649,500 | 1,504 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 3,974 |
| Cost of funding earning assets | 0.5984% | 1,603 |
| Net interest margin | 3.2238% | 4,377 |
| Noninterest income to average assets | 0.5496% | 2,721 |
| Noninterest expense to average assets | 3.0037% | 2,162 |
| Loan and lease loss provision to assets | 0.3425% | 473 |
| Net operating income to assets | 0.2530% | 5,016 |
| Return on assets (ROA) | 0.5883% | 4,096 |
| Pretax return on assets | 0.6239% | 4,687 |
| Return on Equity (ROE) | 4.3707% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.3707% | 2,534 |
| Net charge-offs to loans | 0.3307% | 770 |
| Credit loss provision to net charge-offs | 134.9237% | 1,963 |
| Earnings coverage of net charge-offs (x) | 2.4017% | 3,746 |
| Efficiency ratio | 82.6988% | 879 |
| Assets per employee ($millions) | 4.1213% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,758 |
| Loan loss allowance to noncurrent loans | 86.2078% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 1,248 |
| Noncurrent loans to loans | 1.1922% | 1,492 |
| Net loans and leases to total assets | 77.3627% | 1,371 |
| Net loans and leases to deposits | 104.2149% | 484 |
| Net loans and leases to core deposits | 110.9732% | 953 |
| Total domestic deposits to total assets | 74.2338% | 5,160 |
| Equity capital to assets | 13.8503% | 950 |
| Core capital (leverage) ratio | 12.9328% | 1,166 |
| Tier 1 risk-based capital ratio | 17.7590% | 1,870 |
| Total risk-based capital ratio | 19.2694% | 1,749 |
| Memoranda: | ||
| Average total assets | $412,858,000 | 1,656 |
| Average earning assets | $392,360,600 | 1,625 |
| Average equity | $55,574,400 | 1,399 |
| Average total loans | $316,936,600 | 1,496 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,044 |
| Cost of funding earning assets | 0.5789% | 1,677 |
| Net interest margin | 3.2114% | 4,425 |
| Noninterest income to average assets | 0.5754% | 2,605 |
| Noninterest expense to average assets | 3.0905% | 1,831 |
| Loan and lease loss provision to assets | 0.2938% | 535 |
| Net operating income to assets | 0.1939% | 5,363 |
| Return on assets (ROA) | 0.4531% | 4,902 |
| Pretax return on assets | 0.5666% | 4,899 |
| Return on Equity (ROE) | 3.3905% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.3905% | 3,908 |
| Net charge-offs to loans | 0.2757% | 783 |
| Credit loss provision to net charge-offs | 139.4777% | 1,783 |
| Earnings coverage of net charge-offs (x) | 2.5468% | 3,450 |
| Efficiency ratio | 84.7787% | 704 |
| Assets per employee ($millions) | 4.0943% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,187 |
| Loan loss allowance to noncurrent loans | 83.9170% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 1,419 |
| Noncurrent loans to loans | 1.1671% | 1,648 |
| Net loans and leases to total assets | 76.8096% | 1,449 |
| Net loans and leases to deposits | 104.8098% | 457 |
| Net loans and leases to core deposits | 110.9441% | 981 |
| Total domestic deposits to total assets | 73.2847% | 5,292 |
| Equity capital to assets | 13.1895% | 1,298 |
| Core capital (leverage) ratio | 12.8299% | 1,276 |
| Tier 1 risk-based capital ratio | 17.2650% | 2,073 |
| Total risk-based capital ratio | 18.6201% | 1,996 |
| Memoranda: | ||
| Average total assets | $412,009,750 | 1,677 |
| Average earning assets | $391,508,500 | 1,637 |
| Average equity | $55,055,000 | 1,419 |
| Average total loans | $314,829,000 | 1,514 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 3,952 |
| Cost of funding earning assets | 0.5547% | 1,746 |
| Net interest margin | 3.2278% | 4,329 |
| Noninterest income to average assets | 0.5999% | 2,457 |
| Noninterest expense to average assets | 3.0593% | 1,940 |
| Loan and lease loss provision to assets | 0.3805% | 367 |
| Net operating income to assets | 0.1849% | 5,416 |
| Return on assets (ROA) | 0.4227% | 4,949 |
| Pretax return on assets | 0.5189% | 4,976 |
| Return on Equity (ROE) | 3.1489% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.1489% | 3,833 |
| Net charge-offs to loans | 0.2732% | 738 |
| Credit loss provision to net charge-offs | 183.2151% | 1,347 |
| Earnings coverage of net charge-offs (x) | 2.9173% | 3,107 |
| Efficiency ratio | 83.0431% | 917 |
| Assets per employee ($millions) | 4.0325% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,973 |
| Loan loss allowance to noncurrent loans | 82.9390% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 1,447 |
| Noncurrent loans to loans | 1.2403% | 1,564 |
| Net loans and leases to total assets | 76.3935% | 1,483 |
| Net loans and leases to deposits | 103.5190% | 524 |
| Net loans and leases to core deposits | 110.2268% | 993 |
| Total domestic deposits to total assets | 73.7966% | 5,310 |
| Equity capital to assets | 13.2098% | 1,274 |
| Core capital (leverage) ratio | 13.0712% | 1,149 |
| Tier 1 risk-based capital ratio | 17.3269% | 2,058 |
| Total risk-based capital ratio | 18.6756% | 1,989 |
| Memoranda: | ||
| Average total assets | $407,410,000 | 1,686 |
| Average earning assets | $386,888,330 | 1,654 |
| Average equity | $54,686,000 | 1,432 |
| Average total loans | $309,673,000 | 1,530 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 3,948 |
| Cost of funding earning assets | 0.5454% | 1,746 |
| Net interest margin | 3.2010% | 4,344 |
| Noninterest income to average assets | 0.5231% | 2,816 |
| Noninterest expense to average assets | 3.0731% | 1,946 |
| Loan and lease loss provision to assets | 0.3488% | 341 |
| Net operating income to assets | 0.1192% | 5,490 |
| Return on assets (ROA) | 0.3577% | 5,074 |
| Pretax return on assets | 0.4265% | 5,110 |
| Return on Equity (ROE) | 2.6432% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.6432% | 4,081 |
| Net charge-offs to loans | 0.3040% | 612 |
| Credit loss provision to net charge-offs | 152.1739% | 1,202 |
| Earnings coverage of net charge-offs (x) | 2.1435% | 2,636 |
| Efficiency ratio | 85.7702% | 816 |
| Assets per employee ($millions) | 3.9171% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,283 |
| Loan loss allowance to noncurrent loans | 79.2733% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 1,757 |
| Noncurrent loans to loans | 1.2623% | 1,596 |
| Net loans and leases to total assets | 74.5196% | 1,658 |
| Net loans and leases to deposits | 98.3607% | 741 |
| Net loans and leases to core deposits | 103.6223% | 1,243 |
| Total domestic deposits to total assets | 75.7616% | 5,253 |
| Equity capital to assets | 13.3034% | 1,147 |
| Core capital (leverage) ratio | 13.2881% | 1,041 |
| Tier 1 risk-based capital ratio | 17.5986% | 2,002 |
| Total risk-based capital ratio | 18.9147% | 1,943 |
| Memoranda: | ||
| Average total assets | $401,422,500 | 1,727 |
| Average earning assets | $381,381,000 | 1,688 |
| Average equity | $54,329,000 | 1,434 |
| Average total loans | $302,653,000 | 1,567 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,639 |
| Cost of funding earning assets | 0.5349% | 1,826 |
| Net interest margin | 3.3477% | 4,003 |
| Noninterest income to average assets | 0.6719% | 2,309 |
| Noninterest expense to average assets | 3.2757% | 1,632 |
| Loan and lease loss provision to assets | 0.0800% | 2,763 |
| Net operating income to assets | 0.3833% | 4,998 |
| Return on assets (ROA) | 0.5423% | 4,561 |
| Pretax return on assets | 0.6902% | 4,522 |
| Return on Equity (ROE) | 3.8883% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.8883% | 3,154 |
| Net charge-offs to loans | 0.0233% | 3,581 |
| Credit loss provision to net charge-offs | 456.7164% | 706 |
| Earnings coverage of net charge-offs (x) | 32.4925% | 1,360 |
| Efficiency ratio | 84.7675% | 935 |
| Assets per employee ($millions) | 3.6939% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,277 |
| Loan loss allowance to noncurrent loans | 79.5406% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 1,764 |
| Noncurrent loans to loans | 1.2661% | 1,618 |
| Net loans and leases to total assets | 74.7630% | 1,733 |
| Net loans and leases to deposits | 99.0972% | 736 |
| Net loans and leases to core deposits | 105.6935% | 1,149 |
| Total domestic deposits to total assets | 75.4441% | 5,304 |
| Equity capital to assets | 13.7765% | 959 |
| Core capital (leverage) ratio | 13.6512% | 915 |
| Tier 1 risk-based capital ratio | 18.4134% | 1,748 |
| Total risk-based capital ratio | 19.6812% | 1,709 |
| Memoranda: | ||
| Average total assets | $382,664,800 | 1,752 |
| Average earning assets | $362,665,000 | 1,713 |
| Average equity | $53,365,200 | 1,441 |
| Average total loans | $287,398,600 | 1,575 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,562 |
| Cost of funding earning assets | 0.5318% | 1,863 |
| Net interest margin | 3.3756% | 3,933 |
| Noninterest income to average assets | 0.6943% | 2,193 |
| Noninterest expense to average assets | 3.3451% | 1,466 |
| Loan and lease loss provision to assets | 0.0613% | 3,008 |
| Net operating income to assets | 0.3804% | 5,092 |
| Return on assets (ROA) | 0.5635% | 4,545 |
| Pretax return on assets | 0.7216% | 4,551 |
| Return on Equity (ROE) | 4.0284% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.0284% | 3,432 |
| Net charge-offs to loans | -0.0243% | 5,076 |
| Credit loss provision to net charge-offs | -336.5385% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4892% | 868 |
| Assets per employee ($millions) | 3.5628% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,261 |
| Loan loss allowance to noncurrent loans | 74.0759% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 1,975 |
| Noncurrent loans to loans | 1.3886% | 1,586 |
| Net loans and leases to total assets | 74.1680% | 1,847 |
| Net loans and leases to deposits | 94.1600% | 1,242 |
| Net loans and leases to core deposits | 100.1224% | 1,624 |
| Total domestic deposits to total assets | 78.7680% | 4,773 |
| Equity capital to assets | 14.1188% | 994 |
| Core capital (leverage) ratio | 13.6254% | 961 |
| Tier 1 risk-based capital ratio | 18.3533% | 1,819 |
| Total risk-based capital ratio | 19.5607% | 1,803 |
| Memoranda: | ||
| Average total assets | $380,443,000 | 1,764 |
| Average earning assets | $360,535,500 | 1,723 |
| Average equity | $53,221,000 | 1,450 |
| Average total loans | $285,319,750 | 1,590 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,578 |
| Cost of funding earning assets | 0.5251% | 1,900 |
| Net interest margin | 3.3833% | 3,955 |
| Noninterest income to average assets | 0.7942% | 1,737 |
| Noninterest expense to average assets | 3.3794% | 1,412 |
| Loan and lease loss provision to assets | 0.0343% | 3,464 |
| Net operating income to assets | 0.4505% | 4,869 |
| Return on assets (ROA) | 0.6211% | 4,316 |
| Pretax return on assets | 0.8084% | 4,250 |
| Return on Equity (ROE) | 4.4539% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.4539% | 3,080 |
| Net charge-offs to loans | -0.0675% | 5,482 |
| Credit loss provision to net charge-offs | -67.7083% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0522% | 1,045 |
| Assets per employee ($millions) | 3.4848% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 4,441 |
| Loan loss allowance to noncurrent loans | 71.2006% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 1,997 |
| Noncurrent loans to loans | 1.4225% | 1,561 |
| Net loans and leases to total assets | 73.9408% | 1,855 |
| Net loans and leases to deposits | 93.9606% | 1,297 |
| Net loans and leases to core deposits | 100.5895% | 1,593 |
| Total domestic deposits to total assets | 78.6934% | 4,849 |
| Equity capital to assets | 14.1343% | 978 |
| Core capital (leverage) ratio | 13.5368% | 967 |
| Tier 1 risk-based capital ratio | 18.2801% | 1,857 |
| Total risk-based capital ratio | 19.4654% | 1,839 |
| Memoranda: | ||
| Average total assets | $378,998,000 | 1,766 |
| Average earning assets | $359,180,670 | 1,734 |
| Average equity | $52,852,670 | 1,466 |
| Average total loans | $284,310,330 | 1,598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 3,529 |
| Cost of funding earning assets | 0.5279% | 1,885 |
| Net interest margin | 3.3880% | 3,909 |
| Noninterest income to average assets | 0.9797% | 1,124 |
| Noninterest expense to average assets | 3.3797% | 1,426 |
| Loan and lease loss provision to assets | 0.0318% | 3,239 |
| Net operating income to assets | 0.6001% | 4,172 |
| Return on assets (ROA) | 0.5976% | 4,303 |
| Pretax return on assets | 0.7738% | 4,286 |
| Return on Equity (ROE) | 4.3151% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.3151% | 3,323 |
| Net charge-offs to loans | -0.1285% | 5,729 |
| Credit loss provision to net charge-offs | -32.9670% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2838% | 1,571 |
| Assets per employee ($millions) | 3.3948% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,551 |
| Loan loss allowance to noncurrent loans | 67.3893% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,898 |
| Noncurrent loans to loans | 1.4967% | 1,566 |
| Net loans and leases to total assets | 74.4910% | 1,646 |
| Net loans and leases to deposits | 95.1286% | 1,030 |
| Net loans and leases to core deposits | 102.4191% | 1,304 |
| Total domestic deposits to total assets | 78.3056% | 5,089 |
| Equity capital to assets | 14.0523% | 962 |
| Core capital (leverage) ratio | 13.6682% | 924 |
| Tier 1 risk-based capital ratio | 18.3966% | 1,882 |
| Total risk-based capital ratio | 19.5742% | 1,860 |
| Memoranda: | ||
| Average total assets | $376,835,500 | 1,780 |
| Average earning assets | $356,905,500 | 1,741 |
| Average equity | $52,189,000 | 1,478 |
| Average total loans | $283,299,500 | 1,600 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,521 |
| Cost of funding earning assets | 0.5023% | 2,136 |
| Net interest margin | 3.4487% | 3,724 |
| Noninterest income to average assets | 0.5787% | 2,839 |
| Noninterest expense to average assets | 3.4877% | 1,306 |
| Loan and lease loss provision to assets | 0.0624% | 3,050 |
| Net operating income to assets | 0.2330% | 5,510 |
| Return on assets (ROA) | 0.5074% | 4,752 |
| Pretax return on assets | 0.6334% | 4,732 |
| Return on Equity (ROE) | 3.5976% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.5976% | 3,497 |
| Net charge-offs to loans | 0.2049% | 1,431 |
| Credit loss provision to net charge-offs | 39.7188% | 3,535 |
| Earnings coverage of net charge-offs (x) | 2.2443% | 3,944 |
| Efficiency ratio | 90.4265% | 667 |
| Assets per employee ($millions) | 3.4259% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 4,785 |
| Loan loss allowance to noncurrent loans | 71.4957% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 2,098 |
| Noncurrent loans to loans | 1.3535% | 1,734 |
| Net loans and leases to total assets | 74.3803% | 1,663 |
| Net loans and leases to deposits | 99.7023% | 694 |
| Net loans and leases to core deposits | 106.7736% | 1,063 |
| Total domestic deposits to total assets | 74.6024% | 5,591 |
| Equity capital to assets | 13.6462% | 1,063 |
| Core capital (leverage) ratio | 13.6096% | 933 |
| Tier 1 risk-based capital ratio | 18.3119% | 1,881 |
| Total risk-based capital ratio | 19.3806% | 1,888 |
| Memoranda: | ||
| Average total assets | $362,011,200 | 1,807 |
| Average earning assets | $342,392,000 | 1,770 |
| Average equity | $51,061,800 | 1,454 |
| Average total loans | $277,757,400 | 1,578 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 3,480 |
| Cost of funding earning assets | 0.4959% | 2,251 |
| Net interest margin | 3.4687% | 3,677 |
| Noninterest income to average assets | 0.5734% | 2,891 |
| Noninterest expense to average assets | 3.4808% | 1,321 |
| Loan and lease loss provision to assets | 0.0781% | 2,616 |
| Net operating income to assets | 0.2281% | 5,621 |
| Return on assets (ROA) | 0.5567% | 4,661 |
| Pretax return on assets | 0.7152% | 4,633 |
| Return on Equity (ROE) | 3.9133% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.9133% | 3,677 |
| Net charge-offs to loans | 0.1278% | 1,854 |
| Credit loss provision to net charge-offs | 79.2453% | 2,623 |
| Earnings coverage of net charge-offs (x) | 3.7736% | 3,457 |
| Efficiency ratio | 89.9749% | 703 |
| Assets per employee ($millions) | 3.4210% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 4,408 |
| Loan loss allowance to noncurrent loans | 83.9202% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 2,288 |
| Noncurrent loans to loans | 1.2685% | 2,015 |
| Net loans and leases to total assets | 76.8535% | 1,264 |
| Net loans and leases to deposits | 101.5842% | 569 |
| Net loans and leases to core deposits | 109.8478% | 884 |
| Total domestic deposits to total assets | 75.6550% | 5,543 |
| Equity capital to assets | 13.8661% | 1,079 |
| Core capital (leverage) ratio | 13.5305% | 1,006 |
| Tier 1 risk-based capital ratio | 18.3483% | 1,939 |
| Total risk-based capital ratio | 19.5407% | 1,918 |
| Memoranda: | ||
| Average total assets | $358,301,250 | 1,845 |
| Average earning assets | $338,758,250 | 1,806 |
| Average equity | $50,970,750 | 1,465 |
| Average total loans | $276,436,250 | 1,589 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,623 |
| Cost of funding earning assets | 0.4804% | 2,428 |
| Net interest margin | 3.4374% | 3,762 |
| Noninterest income to average assets | 0.5516% | 3,030 |
| Noninterest expense to average assets | 3.5162% | 1,278 |
| Loan and lease loss provision to assets | 0.1035% | 2,101 |
| Net operating income to assets | 0.1409% | 5,828 |
| Return on assets (ROA) | 0.6145% | 4,393 |
| Pretax return on assets | 0.7899% | 4,350 |
| Return on Equity (ROE) | 4.2827% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.2827% | 3,298 |
| Net charge-offs to loans | 0.1738% | 1,422 |
| Credit loss provision to net charge-offs | 77.3109% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.1387% | 3,399 |
| Efficiency ratio | 92.1632% | 627 |
| Assets per employee ($millions) | 3.2705% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,503 |
| Loan loss allowance to noncurrent loans | 172.7325% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 3,844 |
| Noncurrent loans to loans | 0.6180% | 3,615 |
| Net loans and leases to total assets | 77.3047% | 1,165 |
| Net loans and leases to deposits | 100.9482% | 596 |
| Net loans and leases to core deposits | 108.8542% | 902 |
| Total domestic deposits to total assets | 76.5785% | 5,525 |
| Equity capital to assets | 14.0392% | 969 |
| Core capital (leverage) ratio | 13.6960% | 932 |
| Tier 1 risk-based capital ratio | 18.3408% | 1,971 |
| Total risk-based capital ratio | 19.6160% | 1,926 |
| Memoranda: | ||
| Average total assets | $355,720,670 | 1,869 |
| Average earning assets | $336,420,330 | 1,829 |
| Average equity | $51,042,330 | 1,465 |
| Average total loans | $273,800,330 | 1,611 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 3,624 |
| Cost of funding earning assets | 0.4753% | 2,498 |
| Net interest margin | 3.4222% | 3,746 |
| Noninterest income to average assets | 0.5079% | 3,236 |
| Noninterest expense to average assets | 3.6607% | 1,056 |
| Loan and lease loss provision to assets | 0.1943% | 959 |
| Net operating income to assets | -0.0855% | 6,086 |
| Return on assets (ROA) | 0.5828% | 4,455 |
| Pretax return on assets | 0.7714% | 4,344 |
| Return on Equity (ROE) | 4.0172% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.0172% | 3,594 |
| Net charge-offs to loans | 0.0074% | 3,079 |
| Credit loss provision to net charge-offs | 3,420.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 1,633 |
| Efficiency ratio | 97.6956% | 443 |
| Assets per employee ($millions) | 3.2461% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,059 |
| Loan loss allowance to noncurrent loans | 129.4024% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 3,015 |
| Noncurrent loans to loans | 0.9156% | 2,951 |
| Net loans and leases to total assets | 74.5096% | 1,425 |
| Net loans and leases to deposits | 93.6697% | 1,022 |
| Net loans and leases to core deposits | 104.2033% | 1,054 |
| Total domestic deposits to total assets | 79.5451% | 5,161 |
| Equity capital to assets | 14.0714% | 962 |
| Core capital (leverage) ratio | 14.2300% | 756 |
| Tier 1 risk-based capital ratio | 18.7069% | 1,942 |
| Total risk-based capital ratio | 20.1301% | 1,863 |
| Memoranda: | ||
| Average total assets | $352,068,000 | 1,892 |
| Average earning assets | $333,232,500 | 1,845 |
| Average equity | $51,080,500 | 1,475 |
| Average total loans | $268,868,500 | 1,632 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,364 |
| Cost of funding earning assets | 0.4848% | 2,833 |
| Net interest margin | 3.6047% | 3,399 |
| Noninterest income to average assets | 0.7045% | 2,283 |
| Noninterest expense to average assets | 3.7418% | 1,075 |
| Loan and lease loss provision to assets | 0.1683% | 1,549 |
| Net operating income to assets | 0.1494% | 5,877 |
| Return on assets (ROA) | 0.5001% | 4,897 |
| Pretax return on assets | 0.6450% | 4,799 |
| Return on Equity (ROE) | 3.3577% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.3577% | 3,822 |
| Net charge-offs to loans | 0.1972% | 2,087 |
| Credit loss provision to net charge-offs | 109.8039% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.3725% | 4,169 |
| Efficiency ratio | 91.1420% | 770 |
| Assets per employee ($millions) | 3.1535% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 4,174 |
| Loan loss allowance to noncurrent loans | 120.2966% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 2,881 |
| Noncurrent loans to loans | 0.9719% | 2,892 |
| Net loans and leases to total assets | 76.4939% | 1,196 |
| Net loans and leases to deposits | 100.2185% | 611 |
| Net loans and leases to core deposits | 108.6179% | 852 |
| Total domestic deposits to total assets | 76.3271% | 5,686 |
| Equity capital to assets | 14.9756% | 709 |
| Core capital (leverage) ratio | 14.4341% | 716 |
| Tier 1 risk-based capital ratio | 20.3350% | 1,527 |
| Total risk-based capital ratio | 21.9363% | 1,440 |
| Memoranda: | ||
| Average total assets | $332,728,400 | 1,948 |
| Average earning assets | $313,920,400 | 1,912 |
| Average equity | $49,557,000 | 1,459 |
| Average total loans | $258,653,200 | 1,639 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,366 |
| Cost of funding earning assets | 0.4819% | 2,937 |
| Net interest margin | 3.6195% | 3,349 |
| Noninterest income to average assets | 0.7123% | 2,269 |
| Noninterest expense to average assets | 3.8040% | 968 |
| Loan and lease loss provision to assets | 0.2080% | 1,122 |
| Net operating income to assets | 0.0904% | 6,041 |
| Return on assets (ROA) | 0.5373% | 4,793 |
| Pretax return on assets | 0.6712% | 4,799 |
| Return on Equity (ROE) | 3.6127% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.6127% | 4,079 |
| Net charge-offs to loans | 0.1896% | 1,947 |
| Credit loss provision to net charge-offs | 140.9836% | 1,672 |
| Earnings coverage of net charge-offs (x) | 2.1721% | 3,977 |
| Efficiency ratio | 92.2303% | 697 |
| Assets per employee ($millions) | 3.1648% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 4,130 |
| Loan loss allowance to noncurrent loans | 117.4603% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 2,930 |
| Noncurrent loans to loans | 1.0378% | 3,000 |
| Net loans and leases to total assets | 76.1452% | 1,202 |
| Net loans and leases to deposits | 99.0721% | 664 |
| Net loans and leases to core deposits | 108.2348% | 836 |
| Total domestic deposits to total assets | 76.8584% | 5,698 |
| Equity capital to assets | 14.7854% | 778 |
| Core capital (leverage) ratio | 14.5097% | 719 |
| Tier 1 risk-based capital ratio | 20.2431% | 1,604 |
| Total risk-based capital ratio | 21.7721% | 1,514 |
| Memoranda: | ||
| Average total assets | $330,766,750 | 1,974 |
| Average earning assets | $311,825,000 | 1,934 |
| Average equity | $49,195,500 | 1,464 |
| Average total loans | $257,416,250 | 1,653 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 3,422 |
| Cost of funding earning assets | 0.4916% | 2,914 |
| Net interest margin | 3.5892% | 3,406 |
| Noninterest income to average assets | 0.7923% | 1,864 |
| Noninterest expense to average assets | 3.8861% | 868 |
| Loan and lease loss provision to assets | 0.2554% | 849 |
| Net operating income to assets | 0.0244% | 6,165 |
| Return on assets (ROA) | 0.5900% | 4,500 |
| Pretax return on assets | 0.7771% | 4,353 |
| Return on Equity (ROE) | 3.9587% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.9587% | 3,661 |
| Net charge-offs to loans | 0.2545% | 1,537 |
| Credit loss provision to net charge-offs | 128.5276% | 1,622 |
| Earnings coverage of net charge-offs (x) | 1.4509% | 3,801 |
| Efficiency ratio | 93.0939% | 688 |
| Assets per employee ($millions) | 3.1059% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 4,324 |
| Loan loss allowance to noncurrent loans | 80.0461% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3658% | 2,395 |
| Noncurrent loans to loans | 1.5260% | 2,277 |
| Net loans and leases to total assets | 76.0414% | 1,155 |
| Net loans and leases to deposits | 94.4939% | 925 |
| Net loans and leases to core deposits | 105.3262% | 940 |
| Total domestic deposits to total assets | 80.4723% | 5,140 |
| Equity capital to assets | 14.9735% | 705 |
| Core capital (leverage) ratio | 14.6016% | 677 |
| Tier 1 risk-based capital ratio | 20.2895% | 1,615 |
| Total risk-based capital ratio | 21.8918% | 1,503 |
| Memoranda: | ||
| Average total assets | $328,145,000 | 1,988 |
| Average earning assets | $309,207,330 | 1,947 |
| Average equity | $48,904,670 | 1,466 |
| Average total loans | $256,210,330 | 1,653 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 3,378 |
| Cost of funding earning assets | 0.5043% | 2,858 |
| Net interest margin | 3.5704% | 3,389 |
| Noninterest income to average assets | 0.8195% | 1,676 |
| Noninterest expense to average assets | 3.7785% | 1,018 |
| Loan and lease loss provision to assets | 0.1460% | 1,668 |
| Net operating income to assets | 0.1835% | 5,849 |
| Return on assets (ROA) | 0.9851% | 2,325 |
| Pretax return on assets | 1.3397% | 1,959 |
| Return on Equity (ROE) | 6.6259% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.6259% | 2,222 |
| Net charge-offs to loans | 0.0827% | 2,319 |
| Credit loss provision to net charge-offs | 224.5283% | 964 |
| Earnings coverage of net charge-offs (x) | 6.1887% | 2,260 |
| Efficiency ratio | 90.3756% | 998 |
| Assets per employee ($millions) | 3.0569% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 4,588 |
| Loan loss allowance to noncurrent loans | 79.8248% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 2,486 |
| Noncurrent loans to loans | 1.5172% | 2,522 |
| Net loans and leases to total assets | 77.2564% | 849 |
| Net loans and leases to deposits | 94.0047% | 792 |
| Net loans and leases to core deposits | 105.8564% | 765 |
| Total domestic deposits to total assets | 82.1836% | 4,889 |
| Equity capital to assets | 14.9453% | 686 |
| Core capital (leverage) ratio | 14.6771% | 655 |
| Tier 1 risk-based capital ratio | 20.3460% | 1,632 |
| Total risk-based capital ratio | 21.8815% | 1,523 |
| Memoranda: | ||
| Average total assets | $326,053,500 | 2,007 |
| Average earning assets | $306,971,000 | 1,968 |
| Average equity | $48,476,500 | 1,475 |
| Average total loans | $256,399,500 | 1,659 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,264 |
| Cost of funding earning assets | 0.6048% | 2,618 |
| Net interest margin | 3.6171% | 3,385 |
| Noninterest income to average assets | 0.7698% | 2,214 |
| Noninterest expense to average assets | 3.5999% | 1,451 |
| Loan and lease loss provision to assets | 0.2871% | 1,199 |
| Net operating income to assets | 0.2024% | 5,809 |
| Return on assets (ROA) | 0.5221% | 4,762 |
| Pretax return on assets | 0.6966% | 4,556 |
| Return on Equity (ROE) | 3.5481% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,695 |
| Net charge-offs to loans | 0.3762% | 1,788 |
| Credit loss provision to net charge-offs | 94.8770% | 2,637 |
| Earnings coverage of net charge-offs (x) | 1.8422% | 4,432 |
| Efficiency ratio | 86.5921% | 1,353 |
| Assets per employee ($millions) | 3.1555% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 4,757 |
| Loan loss allowance to noncurrent loans | 95.8584% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 2,765 |
| Noncurrent loans to loans | 1.2307% | 3,086 |
| Net loans and leases to total assets | 78.1408% | 809 |
| Net loans and leases to deposits | 94.8974% | 810 |
| Net loans and leases to core deposits | 106.7346% | 758 |
| Total domestic deposits to total assets | 82.3424% | 4,754 |
| Equity capital to assets | 14.7895% | 711 |
| Core capital (leverage) ratio | 14.4171% | 709 |
| Tier 1 risk-based capital ratio | 20.1835% | 1,615 |
| Total risk-based capital ratio | 21.8510% | 1,488 |
| Memoranda: | ||
| Average total assets | $322,567,200 | 1,994 |
| Average earning assets | $302,090,600 | 1,963 |
| Average equity | $47,462,200 | 1,480 |
| Average total loans | $259,403,200 | 1,595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 3,231 |
| Cost of funding earning assets | 0.6239% | 2,618 |
| Net interest margin | 3.6168% | 3,378 |
| Noninterest income to average assets | 0.8249% | 2,036 |
| Noninterest expense to average assets | 3.6004% | 1,398 |
| Loan and lease loss provision to assets | 0.1126% | 2,890 |
| Net operating income to assets | 0.3522% | 5,428 |
| Return on assets (ROA) | 0.7169% | 3,903 |
| Pretax return on assets | 1.0009% | 3,501 |
| Return on Equity (ROE) | 4.8783% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.8783% | 3,169 |
| Net charge-offs to loans | 0.3149% | 1,970 |
| Credit loss provision to net charge-offs | 44.2997% | 3,629 |
| Earnings coverage of net charge-offs (x) | 2.3876% | 4,037 |
| Efficiency ratio | 85.5709% | 1,404 |
| Assets per employee ($millions) | 3.0857% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 5,447 |
| Loan loss allowance to noncurrent loans | 119.9125% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 3,637 |
| Noncurrent loans to loans | 0.8916% | 4,041 |
| Net loans and leases to total assets | 76.7895% | 896 |
| Net loans and leases to deposits | 92.8077% | 913 |
| Net loans and leases to core deposits | 104.9413% | 823 |
| Total domestic deposits to total assets | 82.7404% | 4,666 |
| Equity capital to assets | 14.4331% | 843 |
| Core capital (leverage) ratio | 14.5070% | 733 |
| Tier 1 risk-based capital ratio | 20.2905% | 1,659 |
| Total risk-based capital ratio | 21.7770% | 1,569 |
| Memoranda: | ||
| Average total assets | $321,953,750 | 2,002 |
| Average earning assets | $301,105,000 | 1,976 |
| Average equity | $47,310,500 | 1,493 |
| Average total loans | $260,002,500 | 1,600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,132 |
| Cost of funding earning assets | 0.6459% | 2,529 |
| Net interest margin | 3.6101% | 3,315 |
| Noninterest income to average assets | 0.8947% | 1,825 |
| Noninterest expense to average assets | 3.6784% | 1,284 |
| Loan and lease loss provision to assets | 0.0395% | 4,160 |
| Net operating income to assets | 0.3873% | 5,261 |
| Return on assets (ROA) | 0.8508% | 3,189 |
| Pretax return on assets | 1.2111% | 2,621 |
| Return on Equity (ROE) | 5.7547% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.7547% | 2,582 |
| Net charge-offs to loans | 0.0697% | 3,713 |
| Credit loss provision to net charge-offs | 69.2308% | 2,840 |
| Earnings coverage of net charge-offs (x) | 10.3187% | 2,165 |
| Efficiency ratio | 86.2115% | 1,395 |
| Assets per employee ($millions) | 2.9853% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,113 |
| Loan loss allowance to noncurrent loans | 118.0518% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 3,008 |
| Noncurrent loans to loans | 0.9978% | 3,940 |
| Net loans and leases to total assets | 80.2067% | 518 |
| Net loans and leases to deposits | 98.0749% | 536 |
| Net loans and leases to core deposits | 106.4514% | 717 |
| Total domestic deposits to total assets | 81.7810% | 5,124 |
| Equity capital to assets | 14.7531% | 775 |
| Core capital (leverage) ratio | 14.5825% | 680 |
| Tier 1 risk-based capital ratio | 20.3416% | 1,643 |
| Total risk-based capital ratio | 21.7615% | 1,581 |
| Memoranda: | ||
| Average total assets | $319,216,670 | 2,026 |
| Average earning assets | $298,165,670 | 1,996 |
| Average equity | $47,196,330 | 1,504 |
| Average total loans | $261,246,000 | 1,595 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 3,109 |
| Cost of funding earning assets | 0.6610% | 2,557 |
| Net interest margin | 3.5886% | 3,308 |
| Noninterest income to average assets | 1.0843% | 1,255 |
| Noninterest expense to average assets | 3.4283% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6872% | 3,749 |
| Return on assets (ROA) | 0.9702% | 2,482 |
| Pretax return on assets | 1.4202% | 1,799 |
| Return on Equity (ROE) | 6.5549% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.5549% | 2,389 |
| Net charge-offs to loans | 0.0580% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 21.0789% | 1,170 |
| Efficiency ratio | 77.3473% | 2,719 |
| Assets per employee ($millions) | 2.9948% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,358 |
| Loan loss allowance to noncurrent loans | 142.5761% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4964% | 3,010 |
| Noncurrent loans to loans | 0.8148% | 4,491 |
| Net loans and leases to total assets | 80.8250% | 362 |
| Net loans and leases to deposits | 98.3680% | 428 |
| Net loans and leases to core deposits | 107.5238% | 579 |
| Total domestic deposits to total assets | 82.1659% | 5,137 |
| Equity capital to assets | 14.9468% | 766 |
| Core capital (leverage) ratio | 14.5102% | 669 |
| Tier 1 risk-based capital ratio | 20.2323% | 1,712 |
| Total risk-based capital ratio | 21.7969% | 1,614 |
| Memoranda: | ||
| Average total assets | $319,109,500 | 2,051 |
| Average earning assets | $297,718,500 | 2,022 |
| Average equity | $47,231,500 | 1,525 |
| Average total loans | $262,239,500 | 1,599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 2,854 |
| Cost of funding earning assets | 0.9496% | 1,649 |
| Net interest margin | 3.6889% | 3,693 |
| Noninterest income to average assets | 0.6567% | 2,958 |
| Noninterest expense to average assets | 3.5516% | 1,717 |
| Loan and lease loss provision to assets | 0.2765% | 2,439 |
| Net operating income to assets | 0.1933% | 5,799 |
| Return on assets (ROA) | 0.4073% | 5,323 |
| Pretax return on assets | 0.5725% | 5,074 |
| Return on Equity (ROE) | 2.8521% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.8521% | 4,232 |
| Net charge-offs to loans | 0.3080% | 3,103 |
| Credit loss provision to net charge-offs | 110.1485% | 2,653 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 4,351 |
| Efficiency ratio | 86.9430% | 1,337 |
| Assets per employee ($millions) | 2.9154% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 5,239 |
| Loan loss allowance to noncurrent loans | 108.7125% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 2,802 |
| Noncurrent loans to loans | 1.0803% | 4,045 |
| Net loans and leases to total assets | 81.6157% | 348 |
| Net loans and leases to deposits | 100.2691% | 403 |
| Net loans and leases to core deposits | 108.9429% | 572 |
| Total domestic deposits to total assets | 81.3966% | 5,279 |
| Equity capital to assets | 14.6540% | 834 |
| Core capital (leverage) ratio | 14.2680% | 725 |
| Tier 1 risk-based capital ratio | 19.7495% | 1,736 |
| Total risk-based capital ratio | 21.1166% | 1,683 |
| Memoranda: | ||
| Average total assets | $321,912,000 | 2,000 |
| Average earning assets | $299,170,200 | 1,977 |
| Average equity | $45,965,600 | 1,515 |
| Average total loans | $262,332,400 | 1,579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 3,087 |
| Cost of funding earning assets | 0.9224% | 2,031 |
| Net interest margin | 3.7105% | 3,749 |
| Noninterest income to average assets | 0.6552% | 2,968 |
| Noninterest expense to average assets | 3.5241% | 1,704 |
| Loan and lease loss provision to assets | 0.2622% | 2,477 |
| Net operating income to assets | 0.2295% | 5,841 |
| Return on assets (ROA) | 0.4475% | 5,292 |
| Pretax return on assets | 0.6449% | 5,029 |
| Return on Equity (ROE) | 3.1546% | 5,625 |
| Retained earnings to average equity (ytd only) | 3.1546% | 4,657 |
| Net charge-offs to loans | 0.2714% | 3,099 |
| Credit loss provision to net charge-offs | 118.9139% | 2,440 |
| Earnings coverage of net charge-offs (x) | 2.6180% | 3,988 |
| Efficiency ratio | 85.9271% | 1,385 |
| Assets per employee ($millions) | 3.0846% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,400 |
| Loan loss allowance to noncurrent loans | 84.8427% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.9974% | 2,640 |
| Noncurrent loans to loans | 1.3852% | 3,722 |
| Net loans and leases to total assets | 80.5109% | 469 |
| Net loans and leases to deposits | 99.3008% | 478 |
| Net loans and leases to core deposits | 108.5217% | 631 |
| Total domestic deposits to total assets | 81.0778% | 5,330 |
| Equity capital to assets | 14.3520% | 1,018 |
| Core capital (leverage) ratio | 14.0645% | 814 |
| Tier 1 risk-based capital ratio | 19.4256% | 1,892 |
| Total risk-based capital ratio | 20.7992% | 1,841 |
| Memoranda: | ||
| Average total assets | $322,946,000 | 2,010 |
| Average earning assets | $299,930,250 | 1,989 |
| Average equity | $45,815,250 | 1,534 |
| Average total loans | $262,306,250 | 1,589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 2,916 |
| Cost of funding earning assets | 0.9464% | 2,087 |
| Net interest margin | 3.7528% | 3,576 |
| Noninterest income to average assets | 0.6180% | 3,140 |
| Noninterest expense to average assets | 3.6543% | 1,460 |
| Loan and lease loss provision to assets | 0.1829% | 3,274 |
| Net operating income to assets | 0.1963% | 5,926 |
| Return on assets (ROA) | 0.3874% | 5,499 |
| Pretax return on assets | 0.5728% | 5,237 |
| Return on Equity (ROE) | 2.7417% | 5,788 |
| Retained earnings to average equity (ytd only) | 2.7417% | 4,794 |
| Net charge-offs to loans | 0.1581% | 3,656 |
| Credit loss provision to net charge-offs | 142.5121% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.4638% | 3,362 |
| Efficiency ratio | 89.1561% | 1,136 |
| Assets per employee ($millions) | 3.0375% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,479 |
| Loan loss allowance to noncurrent loans | 80.2078% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2136% | 2,528 |
| Noncurrent loans to loans | 1.4598% | 3,721 |
| Net loans and leases to total assets | 80.9557% | 411 |
| Net loans and leases to deposits | 100.9285% | 384 |
| Net loans and leases to core deposits | 108.1678% | 655 |
| Total domestic deposits to total assets | 80.2109% | 5,688 |
| Equity capital to assets | 14.2106% | 1,010 |
| Core capital (leverage) ratio | 13.8197% | 861 |
| Tier 1 risk-based capital ratio | 19.3167% | 1,894 |
| Total risk-based capital ratio | 20.6810% | 1,835 |
| Memoranda: | ||
| Average total assets | $322,635,000 | 2,008 |
| Average earning assets | $299,243,670 | 1,985 |
| Average equity | $45,592,670 | 1,530 |
| Average total loans | $261,788,670 | 1,594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,941 |
| Cost of funding earning assets | 0.9692% | 2,163 |
| Net interest margin | 3.7578% | 3,569 |
| Noninterest income to average assets | 0.5846% | 3,329 |
| Noninterest expense to average assets | 3.5199% | 1,717 |
| Loan and lease loss provision to assets | 0.1424% | 3,575 |
| Net operating income to assets | 0.2879% | 5,699 |
| Return on assets (ROA) | 0.8471% | 3,414 |
| Pretax return on assets | 1.1964% | 2,923 |
| Return on Equity (ROE) | 6.0116% | 4,285 |
| Retained earnings to average equity (ytd only) | 6.0116% | 2,950 |
| Net charge-offs to loans | 0.0874% | 3,640 |
| Credit loss provision to net charge-offs | 201.7544% | 1,327 |
| Earnings coverage of net charge-offs (x) | 7.8070% | 2,037 |
| Efficiency ratio | 86.4618% | 1,432 |
| Assets per employee ($millions) | 3.1599% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,635 |
| Loan loss allowance to noncurrent loans | 77.4766% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.4125% | 2,451 |
| Noncurrent loans to loans | 1.5113% | 3,849 |
| Net loans and leases to total assets | 79.3027% | 470 |
| Net loans and leases to deposits | 97.8289% | 448 |
| Net loans and leases to core deposits | 106.0424% | 667 |
| Total domestic deposits to total assets | 81.0626% | 5,589 |
| Equity capital to assets | 14.1025% | 988 |
| Core capital (leverage) ratio | 13.8705% | 834 |
| Tier 1 risk-based capital ratio | 19.4981% | 1,842 |
| Total risk-based capital ratio | 20.9206% | 1,764 |
| Memoranda: | ||
| Average total assets | $322,967,500 | 2,014 |
| Average earning assets | $299,640,000 | 1,985 |
| Average equity | $45,512,000 | 1,523 |
| Average total loans | $260,812,500 | 1,606 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 3,371 |
| Cost of funding earning assets | 1.0899% | 2,735 |
| Net interest margin | 3.8074% | 3,780 |
| Noninterest income to average assets | 0.6206% | 3,060 |
| Noninterest expense to average assets | 3.3396% | 2,391 |
| Loan and lease loss provision to assets | 0.2460% | 3,751 |
| Net operating income to assets | 0.3787% | 4,953 |
| Return on assets (ROA) | 0.1199% | 5,940 |
| Pretax return on assets | 0.3573% | 5,411 |
| Return on Equity (ROE) | 0.8616% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.8616% | 5,458 |
| Net charge-offs to loans | 0.1515% | 4,929 |
| Credit loss provision to net charge-offs | 203.0534% | 1,226 |
| Earnings coverage of net charge-offs (x) | 6.6056% | 2,483 |
| Efficiency ratio | 80.6687% | 2,208 |
| Assets per employee ($millions) | 3.2047% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,619 |
| Loan loss allowance to noncurrent loans | 83.1025% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 2,647 |
| Noncurrent loans to loans | 1.3860% | 4,065 |
| Net loans and leases to total assets | 80.3397% | 460 |
| Net loans and leases to deposits | 99.1688% | 494 |
| Net loans and leases to core deposits | 107.7630% | 711 |
| Total domestic deposits to total assets | 81.0131% | 5,441 |
| Equity capital to assets | 14.0810% | 1,033 |
| Core capital (leverage) ratio | 13.7177% | 895 |
| Tier 1 risk-based capital ratio | 19.4478% | 1,780 |
| Total risk-based capital ratio | 20.8617% | 1,692 |
| Memoranda: | ||
| Average total assets | $324,380,800 | 1,986 |
| Average earning assets | $299,833,600 | 1,955 |
| Average equity | $45,148,000 | 1,509 |
| Average total loans | $259,402,800 | 1,625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 3,423 |
| Cost of funding earning assets | 1.1171% | 2,863 |
| Net interest margin | 3.8135% | 3,803 |
| Noninterest income to average assets | 0.6167% | 3,071 |
| Noninterest expense to average assets | 3.3279% | 2,409 |
| Loan and lease loss provision to assets | 0.1918% | 4,106 |
| Net operating income to assets | 0.4183% | 4,916 |
| Return on assets (ROA) | 0.5680% | 4,404 |
| Pretax return on assets | 0.8397% | 3,983 |
| Return on Equity (ROE) | 4.0926% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.0926% | 3,815 |
| Net charge-offs to loans | 0.0983% | 5,002 |
| Credit loss provision to net charge-offs | 245.0262% | 1,170 |
| Earnings coverage of net charge-offs (x) | 10.3665% | 1,930 |
| Efficiency ratio | 80.3980% | 2,195 |
| Assets per employee ($millions) | 3.3678% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,908 |
| Loan loss allowance to noncurrent loans | 62.6390% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.6341% | 2,458 |
| Noncurrent loans to loans | 1.7492% | 3,703 |
| Net loans and leases to total assets | 80.1877% | 500 |
| Net loans and leases to deposits | 99.0509% | 512 |
| Net loans and leases to core deposits | 105.9365% | 869 |
| Total domestic deposits to total assets | 80.9560% | 5,450 |
| Equity capital to assets | 14.0966% | 1,126 |
| Core capital (leverage) ratio | 13.9213% | 918 |
| Tier 1 risk-based capital ratio | 19.9064% | 1,709 |
| Total risk-based capital ratio | 21.1626% | 1,680 |
| Memoranda: | ||
| Average total assets | $325,359,000 | 1,986 |
| Average earning assets | $300,542,750 | 1,956 |
| Average equity | $45,153,750 | 1,507 |
| Average total loans | $259,137,750 | 1,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 3,403 |
| Cost of funding earning assets | 1.1228% | 3,086 |
| Net interest margin | 3.8253% | 3,666 |
| Noninterest income to average assets | 0.6373% | 2,909 |
| Noninterest expense to average assets | 3.4719% | 2,060 |
| Loan and lease loss provision to assets | 0.1963% | 3,967 |
| Net operating income to assets | 0.3343% | 5,232 |
| Return on assets (ROA) | 0.5361% | 4,490 |
| Pretax return on assets | 0.8042% | 4,012 |
| Return on Equity (ROE) | 3.8833% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.8833% | 3,728 |
| Net charge-offs to loans | 0.0930% | 4,744 |
| Credit loss provision to net charge-offs | 266.6667% | 1,139 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,915 |
| Efficiency ratio | 83.2353% | 1,916 |
| Assets per employee ($millions) | 3.2927% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,068 |
| Loan loss allowance to noncurrent loans | 81.5820% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 2,923 |
| Noncurrent loans to loans | 1.3099% | 4,454 |
| Net loans and leases to total assets | 79.3798% | 605 |
| Net loans and leases to deposits | 99.6910% | 510 |
| Net loans and leases to core deposits | 106.8585% | 876 |
| Total domestic deposits to total assets | 79.6258% | 5,922 |
| Equity capital to assets | 13.9983% | 1,095 |
| Core capital (leverage) ratio | 13.5656% | 977 |
| Tier 1 risk-based capital ratio | 19.6507% | 1,679 |
| Total risk-based capital ratio | 21.0937% | 1,612 |
| Memoranda: | ||
| Average total assets | $326,044,000 | 1,993 |
| Average earning assets | $301,207,330 | 1,969 |
| Average equity | $45,013,330 | 1,497 |
| Average total loans | $258,143,000 | 1,663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 3,373 |
| Cost of funding earning assets | 1.1311% | 3,291 |
| Net interest margin | 3.8068% | 3,588 |
| Noninterest income to average assets | 0.5704% | 3,365 |
| Noninterest expense to average assets | 3.5231% | 1,942 |
| Loan and lease loss provision to assets | 0.1043% | 4,708 |
| Net operating income to assets | 0.3224% | 5,301 |
| Return on assets (ROA) | 0.4931% | 4,600 |
| Pretax return on assets | 0.6968% | 4,312 |
| Return on Equity (ROE) | 3.5970% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.5970% | 4,025 |
| Net charge-offs to loans | 0.0359% | 4,598 |
| Credit loss provision to net charge-offs | 369.5652% | 894 |
| Earnings coverage of net charge-offs (x) | 19.8696% | 1,123 |
| Efficiency ratio | 86.2722% | 1,687 |
| Assets per employee ($millions) | 3.3349% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,298 |
| Loan loss allowance to noncurrent loans | 80.1508% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 2,952 |
| Noncurrent loans to loans | 1.2804% | 4,559 |
| Net loans and leases to total assets | 78.4049% | 690 |
| Net loans and leases to deposits | 98.1394% | 564 |
| Net loans and leases to core deposits | 105.6902% | 954 |
| Total domestic deposits to total assets | 79.8913% | 5,974 |
| Equity capital to assets | 13.7726% | 1,077 |
| Core capital (leverage) ratio | 13.6438% | 925 |
| Tier 1 risk-based capital ratio | 19.6488% | 1,661 |
| Total risk-based capital ratio | 21.0727% | 1,598 |
| Memoranda: | ||
| Average total assets | $326,078,000 | 2,002 |
| Average earning assets | $300,935,500 | 1,981 |
| Average equity | $44,704,500 | 1,498 |
| Average total loans | $256,437,500 | 1,688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 3,036 |
| Cost of funding earning assets | 1.3160% | 3,780 |
| Net interest margin | 4.0023% | 3,009 |
| Noninterest income to average assets | 0.5597% | 3,750 |
| Noninterest expense to average assets | 3.5356% | 2,082 |
| Loan and lease loss provision to assets | 0.4121% | 3,634 |
| Net operating income to assets | 0.2147% | 5,233 |
| Return on assets (ROA) | 0.3564% | 4,880 |
| Pretax return on assets | 0.4745% | 4,710 |
| Return on Equity (ROE) | 2.6341% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.6341% | 4,019 |
| Net charge-offs to loans | 0.3084% | 4,477 |
| Credit loss provision to net charge-offs | 167.8481% | 2,025 |
| Earnings coverage of net charge-offs (x) | 2.8418% | 3,653 |
| Efficiency ratio | 83.5193% | 1,978 |
| Assets per employee ($millions) | 3.2533% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,279 |
| Loan loss allowance to noncurrent loans | 88.0855% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2620% | 3,015 |
| Noncurrent loans to loans | 1.1600% | 4,785 |
| Net loans and leases to total assets | 77.2678% | 1,055 |
| Net loans and leases to deposits | 96.6400% | 805 |
| Net loans and leases to core deposits | 103.4026% | 1,359 |
| Total domestic deposits to total assets | 79.9543% | 5,851 |
| Equity capital to assets | 13.6467% | 1,144 |
| Core capital (leverage) ratio | 13.6132% | 953 |
| Tier 1 risk-based capital ratio | 19.9674% | 1,494 |
| Total risk-based capital ratio | 21.3310% | 1,442 |
| Memoranda: | ||
| Average total assets | $321,787,800 | 2,021 |
| Average earning assets | $295,355,000 | 2,013 |
| Average equity | $43,544,800 | 1,530 |
| Average total loans | $256,177,000 | 1,729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 2,864 |
| Cost of funding earning assets | 1.3461% | 3,927 |
| Net interest margin | 4.0573% | 2,824 |
| Noninterest income to average assets | 0.5505% | 3,782 |
| Noninterest expense to average assets | 3.6841% | 1,602 |
| Loan and lease loss provision to assets | 0.4882% | 3,029 |
| Net operating income to assets | 0.0876% | 5,800 |
| Return on assets (ROA) | 0.1816% | 5,728 |
| Pretax return on assets | 0.2032% | 5,726 |
| Return on Equity (ROE) | 1.3446% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.3446% | 5,271 |
| Net charge-offs to loans | 0.3786% | 3,783 |
| Credit loss provision to net charge-offs | 161.1797% | 2,347 |
| Earnings coverage of net charge-offs (x) | 1.9341% | 4,254 |
| Efficiency ratio | 86.2800% | 1,600 |
| Assets per employee ($millions) | 3.2699% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,497 |
| Loan loss allowance to noncurrent loans | 131.2893% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 2.0184% | 3,443 |
| Noncurrent loans to loans | 0.7436% | 5,719 |
| Net loans and leases to total assets | 79.2913% | 854 |
| Net loans and leases to deposits | 100.5389% | 619 |
| Net loans and leases to core deposits | 105.1818% | 1,388 |
| Total domestic deposits to total assets | 78.8663% | 6,053 |
| Equity capital to assets | 13.6353% | 1,302 |
| Core capital (leverage) ratio | 13.6453% | 1,010 |
| Tier 1 risk-based capital ratio | 19.9239% | 1,564 |
| Total risk-based capital ratio | 21.2235% | 1,525 |
| Memoranda: | ||
| Average total assets | $320,901,750 | 2,057 |
| Average earning assets | $294,177,250 | 2,049 |
| Average equity | $43,331,750 | 1,539 |
| Average total loans | $256,728,250 | 1,747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 2,719 |
| Cost of funding earning assets | 1.3720% | 4,045 |
| Net interest margin | 4.0848% | 2,630 |
| Noninterest income to average assets | 0.5364% | 3,822 |
| Noninterest expense to average assets | 3.8810% | 1,214 |
| Loan and lease loss provision to assets | 0.5482% | 2,590 |
| Net operating income to assets | -0.0677% | 6,184 |
| Return on assets (ROA) | -0.0573% | 6,251 |
| Pretax return on assets | -0.1377% | 6,283 |
| Return on Equity (ROE) | -0.4258% | 6,241 |
| Retained earnings to average equity (ytd only) | -0.4258% | 5,831 |
| Net charge-offs to loans | 0.4331% | 3,260 |
| Credit loss provision to net charge-offs | 158.2734% | 2,489 |
| Earnings coverage of net charge-offs (x) | 1.1385% | 4,652 |
| Efficiency ratio | 90.7766% | 1,277 |
| Assets per employee ($millions) | 3.2992% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 6,716 |
| Loan loss allowance to noncurrent loans | 231.1348% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 1.7596% | 3,817 |
| Noncurrent loans to loans | 0.3949% | 6,453 |
| Net loans and leases to total assets | 80.8443% | 687 |
| Net loans and leases to deposits | 102.1047% | 590 |
| Net loans and leases to core deposits | 107.0645% | 1,366 |
| Total domestic deposits to total assets | 79.1778% | 5,986 |
| Equity capital to assets | 13.3805% | 1,398 |
| Core capital (leverage) ratio | 13.0854% | 1,180 |
| Tier 1 risk-based capital ratio | 19.2636% | 1,662 |
| Total risk-based capital ratio | 20.4594% | 1,632 |
| Memoranda: | ||
| Average total assets | $321,050,670 | 2,067 |
| Average earning assets | $293,871,000 | 2,066 |
| Average equity | $43,210,670 | 1,534 |
| Average total loans | $256,771,670 | 1,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4845% | 2,661 |
| Cost of funding earning assets | 1.3932% | 4,224 |
| Net interest margin | 4.0912% | 2,476 |
| Noninterest income to average assets | 0.4839% | 4,167 |
| Noninterest expense to average assets | 3.0550% | 3,457 |
| Loan and lease loss provision to assets | 0.5896% | 2,148 |
| Net operating income to assets | 0.4098% | 4,794 |
| Return on assets (ROA) | 0.5635% | 4,210 |
| Pretax return on assets | 0.7961% | 3,880 |
| Return on Equity (ROE) | 4.1745% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.1745% | 3,643 |
| Net charge-offs to loans | 0.5640% | 2,392 |
| Credit loss provision to net charge-offs | 132.0334% | 2,673 |
| Earnings coverage of net charge-offs (x) | 2.6184% | 3,229 |
| Efficiency ratio | 72.3204% | 3,875 |
| Assets per employee ($millions) | 3.2614% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 6,991 |
| Loan loss allowance to noncurrent loans | 876.6129% | 373 |
| Noncurrent assets plus other real estate owned to assets | 1.9051% | 3,628 |
| Noncurrent loans to loans | 0.0971% | 7,152 |
| Net loans and leases to total assets | 79.2505% | 941 |
| Net loans and leases to deposits | 100.5554% | 720 |
| Net loans and leases to core deposits | 105.3985% | 1,629 |
| Total domestic deposits to total assets | 78.8128% | 6,115 |
| Equity capital to assets | 13.7287% | 1,234 |
| Core capital (leverage) ratio | 13.5170% | 1,080 |
| Tier 1 risk-based capital ratio | 19.9241% | 1,540 |
| Total risk-based capital ratio | 21.0950% | 1,518 |
| Memoranda: | ||
| Average total assets | $321,566,500 | 2,113 |
| Average earning assets | $293,994,000 | 2,124 |
| Average equity | $43,406,000 | 1,546 |
| Average total loans | $254,607,500 | 1,836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 3,630 |
| Cost of funding earning assets | 1.8317% | 3,824 |
| Net interest margin | 3.7642% | 3,854 |
| Noninterest income to average assets | 0.4935% | 4,465 |
| Noninterest expense to average assets | 3.4284% | 2,587 |
| Loan and lease loss provision to assets | 0.4075% | 4,370 |
| Net operating income to assets | 0.1140% | 5,170 |
| Return on assets (ROA) | 0.0742% | 5,320 |
| Pretax return on assets | 0.0681% | 5,280 |
| Return on Equity (ROE) | 0.5539% | 5,369 |
| Retained earnings to average equity (ytd only) | 0.5539% | 4,594 |
| Net charge-offs to loans | 0.2090% | 5,318 |
| Credit loss provision to net charge-offs | 248.0620% | 1,432 |
| Earnings coverage of net charge-offs (x) | 3.1376% | 3,494 |
| Efficiency ratio | 86.9309% | 2,000 |
| Assets per employee ($millions) | 3.2678% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 7,096 |
| Loan loss allowance to noncurrent loans | 161.2373% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0825% | 3,298 |
| Noncurrent loans to loans | 0.5033% | 6,245 |
| Net loans and leases to total assets | 77.7964% | 1,429 |
| Net loans and leases to deposits | 99.6038% | 938 |
| Net loans and leases to core deposits | 118.1275% | 2,117 |
| Total domestic deposits to total assets | 78.1058% | 6,194 |
| Equity capital to assets | 13.2706% | 1,404 |
| Core capital (leverage) ratio | 13.5891% | 1,069 |
| Tier 1 risk-based capital ratio | 19.7900% | 1,496 |
| Total risk-based capital ratio | 20.4964% | 1,568 |
| Memoranda: | ||
| Average total assets | $314,112,400 | 2,138 |
| Average earning assets | $287,922,600 | 2,138 |
| Average equity | $42,061,800 | 1,586 |
| Average total loans | $246,930,200 | 1,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6635% | 3,508 |
| Cost of funding earning assets | 1.9315% | 3,705 |
| Net interest margin | 3.7320% | 3,938 |
| Noninterest income to average assets | 0.4905% | 4,572 |
| Noninterest expense to average assets | 3.5389% | 2,174 |
| Loan and lease loss provision to assets | 0.4063% | 3,884 |
| Net operating income to assets | 0.0051% | 5,698 |
| Return on assets (ROA) | -0.0642% | 5,877 |
| Pretax return on assets | -0.1411% | 5,899 |
| Return on Equity (ROE) | -0.4780% | 5,852 |
| Retained earnings to average equity (ytd only) | -0.4780% | 5,345 |
| Net charge-offs to loans | 0.2110% | 4,713 |
| Credit loss provision to net charge-offs | 244.8454% | 1,773 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,140 |
| Efficiency ratio | 90.4569% | 1,650 |
| Assets per employee ($millions) | 3.1627% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 7,268 |
| Loan loss allowance to noncurrent loans | 547.7876% | 590 |
| Noncurrent assets plus other real estate owned to assets | 1.8083% | 3,644 |
| Noncurrent loans to loans | 0.1364% | 7,138 |
| Net loans and leases to total assets | 78.7931% | 1,426 |
| Net loans and leases to deposits | 100.0422% | 1,099 |
| Net loans and leases to core deposits | 116.7916% | 2,542 |
| Total domestic deposits to total assets | 78.7599% | 5,878 |
| Equity capital to assets | 13.5791% | 1,463 |
| Core capital (leverage) ratio | 13.6861% | 1,170 |
| Tier 1 risk-based capital ratio | 19.8929% | 1,580 |
| Total risk-based capital ratio | 20.8364% | 1,591 |
| Memoranda: | ||
| Average total assets | $311,762,750 | 2,165 |
| Average earning assets | $285,845,750 | 2,163 |
| Average equity | $41,844,250 | 1,615 |
| Average total loans | $245,228,000 | 1,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 3,561 |
| Cost of funding earning assets | 2.0278% | 3,641 |
| Net interest margin | 3.6679% | 4,089 |
| Noninterest income to average assets | 0.4812% | 4,618 |
| Noninterest expense to average assets | 3.6310% | 2,001 |
| Loan and lease loss provision to assets | 0.3855% | 3,605 |
| Net operating income to assets | -0.0811% | 5,979 |
| Return on assets (ROA) | -0.1876% | 6,195 |
| Pretax return on assets | -0.3411% | 6,274 |
| Return on Equity (ROE) | -1.4032% | 6,131 |
| Retained earnings to average equity (ytd only) | -1.4032% | 5,592 |
| Net charge-offs to loans | 0.1868% | 4,392 |
| Credit loss provision to net charge-offs | 263.1579% | 1,772 |
| Earnings coverage of net charge-offs (x) | 1.4386% | 4,452 |
| Efficiency ratio | 94.5151% | 1,467 |
| Assets per employee ($millions) | 3.0305% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6834% | 7,455 |
| Loan loss allowance to noncurrent loans | 417.7945% | 761 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 3,444 |
| Noncurrent loans to loans | 0.1636% | 7,117 |
| Net loans and leases to total assets | 77.6131% | 1,836 |
| Net loans and leases to deposits | 98.3673% | 1,473 |
| Net loans and leases to core deposits | 114.4215% | 2,865 |
| Total domestic deposits to total assets | 78.9013% | 5,840 |
| Equity capital to assets | 13.4111% | 1,526 |
| Core capital (leverage) ratio | 13.2627% | 1,343 |
| Tier 1 risk-based capital ratio | 19.8397% | 1,614 |
| Total risk-based capital ratio | 20.6876% | 1,650 |
| Memoranda: | ||
| Average total assets | $311,315,000 | 2,190 |
| Average earning assets | $285,233,670 | 2,195 |
| Average equity | $41,620,000 | 1,634 |
| Average total loans | $244,116,330 | 1,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 3,780 |
| Cost of funding earning assets | 2.1192% | 3,562 |
| Net interest margin | 3.5863% | 4,376 |
| Noninterest income to average assets | 0.4207% | 5,045 |
| Noninterest expense to average assets | 3.3618% | 2,467 |
| Loan and lease loss provision to assets | 0.1930% | 4,505 |
| Net operating income to assets | 0.1043% | 5,969 |
| Return on assets (ROA) | 0.1106% | 6,112 |
| Pretax return on assets | 0.1582% | 6,033 |
| Return on Equity (ROE) | 0.8289% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.8289% | 5,331 |
| Net charge-offs to loans | 0.0344% | 5,032 |
| Credit loss provision to net charge-offs | 714.2857% | 833 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,785 |
| Efficiency ratio | 90.7607% | 1,668 |
| Assets per employee ($millions) | 3.1615% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 7,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 3,728 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.8298% | 2,081 |
| Net loans and leases to deposits | 96.9516% | 1,807 |
| Net loans and leases to core deposits | 112.8961% | 3,117 |
| Total domestic deposits to total assets | 79.2455% | 5,625 |
| Equity capital to assets | 13.1617% | 1,673 |
| Core capital (leverage) ratio | 13.4571% | 1,338 |
| Tier 1 risk-based capital ratio | 20.5880% | 1,507 |
| Total risk-based capital ratio | 21.3351% | 1,561 |
| Memoranda: | ||
| Average total assets | $310,903,500 | 2,210 |
| Average earning assets | $284,639,000 | 2,214 |
| Average equity | $41,499,500 | 1,640 |
| Average total loans | $244,211,000 | 1,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0534% | 5,280 |
| Cost of funding earning assets | 2.6545% | 3,396 |
| Net interest margin | 3.3989% | 5,669 |
| Noninterest income to average assets | 0.4965% | 4,638 |
| Noninterest expense to average assets | 3.0692% | 3,826 |
| Loan and lease loss provision to assets | 0.2631% | 4,295 |
| Net operating income to assets | 0.3183% | 5,486 |
| Return on assets (ROA) | -0.6720% | 6,948 |
| Pretax return on assets | -1.2493% | 7,141 |
| Return on Equity (ROE) | -4.7430% | 6,837 |
| Retained earnings to average equity (ytd only) | -4.7430% | 6,468 |
| Net charge-offs to loans | 0.3257% | 3,223 |
| Credit loss provision to net charge-offs | 105.7819% | 5,063 |
| Earnings coverage of net charge-offs (x) | 2.2562% | 4,951 |
| Efficiency ratio | 84.5413% | 2,007 |
| Assets per employee ($millions) | 3.1193% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5626% | 7,742 |
| Loan loss allowance to noncurrent loans | 297.6395% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5032% | 3,212 |
| Noncurrent loans to loans | 0.1890% | 6,825 |
| Net loans and leases to total assets | 79.3809% | 1,806 |
| Net loans and leases to deposits | 100.8271% | 1,735 |
| Net loans and leases to core deposits | 117.7556% | 2,914 |
| Total domestic deposits to total assets | 78.7297% | 5,474 |
| Equity capital to assets | 13.5369% | 1,586 |
| Core capital (leverage) ratio | 13.7107% | 1,327 |
| Tier 1 risk-based capital ratio | 20.7889% | 1,484 |
| Total risk-based capital ratio | 21.4742% | 1,549 |
| Memoranda: | ||
| Average total assets | $305,939,000 | 2,174 |
| Average earning assets | $282,087,600 | 2,163 |
| Average equity | $43,348,400 | 1,554 |
| Average total loans | $233,621,800 | 2,019 |