Home > Kennebec Savings Bank > Performance and Condition Ratios
Kennebec 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 | 4.3870% | 3,303 |
| Cost of funding earning assets | 1.8429% | 1,178 |
| Net interest margin | 2.5441% | 4,045 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.2599% | 2,953 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.4238% | 3,818 |
| Return on assets (ROA) | 0.6540% | 3,280 |
| Pretax return on assets | 0.8019% | 3,210 |
| Return on Equity (ROE) | 5.4500% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.4500% | 2,423 |
| Net charge-offs to loans | -0.0074% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.8135% | 785 |
| Assets per employee ($millions) | 8.7270% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6219% | 4,215 |
| Loan loss allowance to noncurrent loans | 296.9557% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,356 |
| Noncurrent loans to loans | 0.2094% | 2,473 |
| Net loans and leases to total assets | 83.8400% | 283 |
| Net loans and leases to deposits | 109.8583% | 203 |
| Net loans and leases to core deposits | 136.5035% | 308 |
| Total domestic deposits to total assets | 76.3200% | 3,918 |
| Equity capital to assets | 12.1437% | 1,083 |
| Core capital (leverage) ratio | 12.6474% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2376% | 1,038 |
| Memoranda: | ||
| Average total assets | $1,671,728,800 | 658 |
| Average earning assets | $1,618,584,800 | 630 |
| Average equity | $200,605,600 | 539 |
| Average total loans | $1,414,120,600 | 546 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 3,273 |
| Cost of funding earning assets | 1.7354% | 1,121 |
| Net interest margin | 2.5749% | 4,058 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2454% | 2,954 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.4697% | 3,824 |
| Return on assets (ROA) | 0.3808% | 3,995 |
| Pretax return on assets | 0.4658% | 3,964 |
| Return on Equity (ROE) | 3.1800% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.1832% | 3,468 |
| Net charge-offs to loans | -0.0110% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.4218% | 837 |
| Assets per employee ($millions) | 8.2799% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 4,245 |
| Loan loss allowance to noncurrent loans | 309.9153% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,458 |
| Noncurrent loans to loans | 0.1986% | 2,561 |
| Net loans and leases to total assets | 84.8000% | 226 |
| Net loans and leases to deposits | 107.8212% | 250 |
| Net loans and leases to core deposits | 132.8282% | 311 |
| Total domestic deposits to total assets | 78.6500% | 3,744 |
| Equity capital to assets | 11.7683% | 1,099 |
| Core capital (leverage) ratio | 12.3820% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1018% | 1,295 |
| Memoranda: | ||
| Average total assets | $1,662,037,000 | 665 |
| Average earning assets | $1,608,911,250 | 634 |
| Average equity | $198,827,500 | 536 |
| Average total loans | $1,406,891,500 | 549 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,272 |
| Cost of funding earning assets | 1.6072% | 1,047 |
| Net interest margin | 2.6043% | 4,107 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2703% | 2,888 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.4815% | 3,841 |
| Return on assets (ROA) | 0.7142% | 3,312 |
| Pretax return on assets | 0.8920% | 3,186 |
| Return on Equity (ROE) | 5.9400% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.9380% | 2,647 |
| Net charge-offs to loans | -0.0124% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.5261% | 807 |
| Assets per employee ($millions) | 8.3926% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5934% | 4,308 |
| Loan loss allowance to noncurrent loans | 225.1611% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,075 |
| Noncurrent loans to loans | 0.2635% | 2,215 |
| Net loans and leases to total assets | 84.1100% | 263 |
| Net loans and leases to deposits | 106.6925% | 289 |
| Net loans and leases to core deposits | 129.8029% | 331 |
| Total domestic deposits to total assets | 78.8400% | 3,743 |
| Equity capital to assets | 12.1240% | 1,016 |
| Core capital (leverage) ratio | 12.5293% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6917% | 1,173 |
| Memoranda: | ||
| Average total assets | $1,658,535,667 | 651 |
| Average earning assets | $1,606,511,333 | 626 |
| Average equity | $199,493,667 | 525 |
| Average total loans | $1,400,172,333 | 533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 3,183 |
| Cost of funding earning assets | 1.4553% | 929 |
| Net interest margin | 2.6761% | 4,102 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.2542% | 2,947 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.5444% | 3,800 |
| Return on assets (ROA) | 0.6569% | 3,519 |
| Pretax return on assets | 0.8178% | 3,429 |
| Return on Equity (ROE) | 5.4800% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.4829% | 2,895 |
| Net charge-offs to loans | -0.0290% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1179% | 993 |
| Assets per employee ($millions) | 8.8098% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 4,352 |
| Loan loss allowance to noncurrent loans | 221.7164% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 1,968 |
| Noncurrent loans to loans | 0.2720% | 2,170 |
| Net loans and leases to total assets | 83.8900% | 245 |
| Net loans and leases to deposits | 105.0303% | 279 |
| Net loans and leases to core deposits | 127.3212% | 314 |
| Total domestic deposits to total assets | 79.8700% | 3,777 |
| Equity capital to assets | 12.0141% | 997 |
| Core capital (leverage) ratio | 12.4204% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,652,736,000 | 665 |
| Average earning assets | $1,600,994,000 | 636 |
| Average equity | $197,997,000 | 539 |
| Average total loans | $1,393,678,000 | 547 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 2,451 |
| Cost of funding earning assets | 0.5735% | 1,001 |
| Net interest margin | 3.1578% | 2,996 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2398% | 2,922 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9837% | 2,626 |
| Return on assets (ROA) | 0.2895% | 4,346 |
| Pretax return on assets | 0.3290% | 4,355 |
| Return on Equity (ROE) | 2.2800% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.2824% | 3,922 |
| Net charge-offs to loans | -0.0073% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0058% | 2,364 |
| Assets per employee ($millions) | 8.7723% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 4,292 |
| Loan loss allowance to noncurrent loans | 270.4374% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,162 |
| Noncurrent loans to loans | 0.2399% | 2,319 |
| Net loans and leases to total assets | 83.7000% | 280 |
| Net loans and leases to deposits | 101.9456% | 367 |
| Net loans and leases to core deposits | 121.4151% | 344 |
| Total domestic deposits to total assets | 82.1000% | 3,611 |
| Equity capital to assets | 11.9453% | 951 |
| Core capital (leverage) ratio | 12.5261% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,536,014,200 | 688 |
| Average earning assets | $1,489,253,400 | 664 |
| Average equity | $194,840,800 | 539 |
| Average total loans | $1,287,080,600 | 546 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 2,292 |
| Cost of funding earning assets | 0.3932% | 1,339 |
| Net interest margin | 3.2251% | 2,551 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2309% | 2,843 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9701% | 2,593 |
| Return on assets (ROA) | -0.3720% | 4,653 |
| Pretax return on assets | -0.5017% | 4,658 |
| Return on Equity (ROE) | -2.8900% | 4,631 |
| Retained earnings to average equity (ytd only) | -2.8871% | 4,534 |
| Net charge-offs to loans | -0.0135% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.5237% | 2,619 |
| Assets per employee ($millions) | 8.2789% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 4,344 |
| Loan loss allowance to noncurrent loans | 260.3391% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,220 |
| Noncurrent loans to loans | 0.2460% | 2,398 |
| Net loans and leases to total assets | 83.9200% | 252 |
| Net loans and leases to deposits | 99.0224% | 406 |
| Net loans and leases to core deposits | 114.0596% | 361 |
| Total domestic deposits to total assets | 84.7500% | 3,342 |
| Equity capital to assets | 11.6680% | 949 |
| Core capital (leverage) ratio | 12.5040% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,509,912,250 | 701 |
| Average earning assets | $1,464,352,250 | 676 |
| Average equity | $194,562,500 | 541 |
| Average total loans | $1,263,344,250 | 547 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 2,134 |
| Cost of funding earning assets | 0.2842% | 1,860 |
| Net interest margin | 3.2193% | 2,129 |
| Noninterest income to average assets | 0.3526% | 3,043 |
| Noninterest expense to average assets | 2.2511% | 2,700 |
| Loan and lease loss provision to assets | 0.0607% | 1,507 |
| Net operating income to assets | 0.9465% | 2,377 |
| Return on assets (ROA) | -0.6054% | 4,678 |
| Pretax return on assets | -0.8037% | 4,685 |
| Return on Equity (ROE) | -4.5447% | 4,666 |
| Retained earnings to average equity (ytd only) | -4.5447% | 4,523 |
| Net charge-offs to loans | 0.0018% | 2,047 |
| Credit loss provision to net charge-offs | 4,090.9091% | 130 |
| Earnings coverage of net charge-offs (x) | 823.5455% | 165 |
| Efficiency ratio | 64.8262% | 2,662 |
| Assets per employee ($millions) | 8.1045% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,442 |
| Loan loss allowance to noncurrent loans | 202.2872% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 2,030 |
| Noncurrent loans to loans | 0.3071% | 2,233 |
| Net loans and leases to total assets | 83.1446% | 223 |
| Net loans and leases to deposits | 101.8295% | 215 |
| Net loans and leases to core deposits | 113.4239% | 288 |
| Total domestic deposits to total assets | 81.6508% | 4,058 |
| Equity capital to assets | 12.4938% | 762 |
| Core capital (leverage) ratio | 13.0627% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,483,369,333 | 703 |
| Average earning assets | $1,437,572,333 | 680 |
| Average equity | $197,594,333 | 538 |
| Average total loans | $1,236,946,333 | 552 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 1,868 |
| Cost of funding earning assets | 0.2426% | 2,238 |
| Net interest margin | 3.2381% | 1,760 |
| Noninterest income to average assets | 0.3229% | 3,174 |
| Noninterest expense to average assets | 2.2218% | 2,769 |
| Loan and lease loss provision to assets | 0.0411% | 1,615 |
| Net operating income to assets | 0.9539% | 2,061 |
| Return on assets (ROA) | -0.2042% | 4,624 |
| Pretax return on assets | -0.2741% | 4,629 |
| Return on Equity (ROE) | -1.4848% | 4,611 |
| Retained earnings to average equity (ytd only) | -1.4848% | 4,195 |
| Net charge-offs to loans | 0.0040% | 1,626 |
| Credit loss provision to net charge-offs | 1,250.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 374.8333% | 266 |
| Efficiency ratio | 64.3101% | 2,988 |
| Assets per employee ($millions) | 8.1734% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 4,491 |
| Loan loss allowance to noncurrent loans | 232.5843% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,310 |
| Noncurrent loans to loans | 0.2686% | 2,513 |
| Net loans and leases to total assets | 82.8177% | 129 |
| Net loans and leases to deposits | 100.2481% | 169 |
| Net loans and leases to core deposits | 112.3734% | 215 |
| Total domestic deposits to total assets | 82.6128% | 4,000 |
| Equity capital to assets | 13.5157% | 599 |
| Core capital (leverage) ratio | 13.7982% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,459,179,500 | 715 |
| Average earning assets | $1,411,331,000 | 691 |
| Average equity | $200,704,500 | 545 |
| Average total loans | $1,214,656,000 | 553 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 2,157 |
| Cost of funding earning assets | 0.2950% | 2,450 |
| Net interest margin | 3.3901% | 2,065 |
| Noninterest income to average assets | 0.3503% | 3,338 |
| Noninterest expense to average assets | 2.6640% | 1,730 |
| Loan and lease loss provision to assets | 0.0111% | 2,861 |
| Net operating income to assets | 0.7637% | 3,440 |
| Return on assets (ROA) | 1.6710% | 711 |
| Pretax return on assets | 2.0954% | 501 |
| Return on Equity (ROE) | 11.9933% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.9933% | 536 |
| Net charge-offs to loans | -0.0249% | 4,059 |
| Credit loss provision to net charge-offs | -53.1915% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2631% | 1,392 |
| Assets per employee ($millions) | 8.1300% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 4,525 |
| Loan loss allowance to noncurrent loans | 209.5570% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 2,141 |
| Noncurrent loans to loans | 0.2983% | 2,526 |
| Net loans and leases to total assets | 82.6252% | 158 |
| Net loans and leases to deposits | 99.4811% | 205 |
| Net loans and leases to core deposits | 109.7989% | 287 |
| Total domestic deposits to total assets | 83.0562% | 3,794 |
| Equity capital to assets | 13.9975% | 664 |
| Core capital (leverage) ratio | 14.2012% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,352,989,400 | 739 |
| Average earning assets | $1,311,426,000 | 710 |
| Average equity | $188,513,200 | 574 |
| Average total loans | $1,131,383,200 | 586 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 2,237 |
| Cost of funding earning assets | 0.3033% | 2,563 |
| Net interest margin | 3.4113% | 2,124 |
| Noninterest income to average assets | 0.3490% | 3,363 |
| Noninterest expense to average assets | 2.5586% | 1,959 |
| Loan and lease loss provision to assets | 0.0050% | 2,876 |
| Net operating income to assets | 0.8631% | 3,343 |
| Return on assets (ROA) | 1.4549% | 1,443 |
| Pretax return on assets | 1.8401% | 1,066 |
| Return on Equity (ROE) | 10.4552% | 2,566 |
| Retained earnings to average equity (ytd only) | 10.4552% | 1,184 |
| Net charge-offs to loans | -0.0298% | 4,131 |
| Credit loss provision to net charge-offs | -20.0803% | 3,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0091% | 1,599 |
| Assets per employee ($millions) | 7.5825% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6384% | 4,585 |
| Loan loss allowance to noncurrent loans | 185.2093% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 2,169 |
| Noncurrent loans to loans | 0.3447% | 2,545 |
| Net loans and leases to total assets | 82.8628% | 146 |
| Net loans and leases to deposits | 99.6203% | 233 |
| Net loans and leases to core deposits | 108.6630% | 352 |
| Total domestic deposits to total assets | 83.1787% | 3,661 |
| Equity capital to assets | 13.9590% | 744 |
| Core capital (leverage) ratio | 14.0115% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,329,451,250 | 760 |
| Average earning assets | $1,288,266,750 | 729 |
| Average equity | $185,000,500 | 592 |
| Average total loans | $1,113,422,750 | 607 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 2,276 |
| Cost of funding earning assets | 0.3102% | 2,674 |
| Net interest margin | 3.4129% | 2,098 |
| Noninterest income to average assets | 0.3676% | 3,268 |
| Noninterest expense to average assets | 2.5970% | 1,865 |
| Loan and lease loss provision to assets | 0.0229% | 2,517 |
| Net operating income to assets | 0.8311% | 3,420 |
| Return on assets (ROA) | 1.8120% | 731 |
| Pretax return on assets | 2.2938% | 484 |
| Return on Equity (ROE) | 13.0355% | 1,703 |
| Retained earnings to average equity (ytd only) | 13.0355% | 713 |
| Net charge-offs to loans | 0.0025% | 2,107 |
| Credit loss provision to net charge-offs | 1,071.4286% | 455 |
| Earnings coverage of net charge-offs (x) | 503.0000% | 264 |
| Efficiency ratio | 70.7230% | 1,553 |
| Assets per employee ($millions) | 7.9288% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 4,615 |
| Loan loss allowance to noncurrent loans | 145.2845% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,007 |
| Noncurrent loans to loans | 0.4388% | 2,359 |
| Net loans and leases to total assets | 82.5811% | 195 |
| Net loans and leases to deposits | 100.4545% | 240 |
| Net loans and leases to core deposits | 108.5409% | 402 |
| Total domestic deposits to total assets | 82.2074% | 3,882 |
| Equity capital to assets | 14.0424% | 709 |
| Core capital (leverage) ratio | 14.1629% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,310,069,667 | 767 |
| Average earning assets | $1,268,414,667 | 735 |
| Average equity | $182,102,333 | 597 |
| Average total loans | $1,098,834,000 | 612 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 2,126 |
| Cost of funding earning assets | 0.3440% | 2,575 |
| Net interest margin | 3.4483% | 1,965 |
| Noninterest income to average assets | 0.3448% | 3,370 |
| Noninterest expense to average assets | 2.8653% | 1,225 |
| Loan and lease loss provision to assets | 0.0468% | 2,145 |
| Net operating income to assets | 0.6177% | 3,897 |
| Return on assets (ROA) | 1.5542% | 1,274 |
| Pretax return on assets | 1.9551% | 1,022 |
| Return on Equity (ROE) | 11.2423% | 2,292 |
| Retained earnings to average equity (ytd only) | 11.2423% | 1,336 |
| Net charge-offs to loans | 0.0052% | 1,725 |
| Credit loss provision to net charge-offs | 1,071.4286% | 397 |
| Earnings coverage of net charge-offs (x) | 187.0714% | 422 |
| Efficiency ratio | 77.8258% | 968 |
| Assets per employee ($millions) | 8.0795% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6474% | 4,636 |
| Loan loss allowance to noncurrent loans | 186.8373% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,504 |
| Noncurrent loans to loans | 0.3465% | 2,853 |
| Net loans and leases to total assets | 83.6745% | 162 |
| Net loans and leases to deposits | 104.5214% | 195 |
| Net loans and leases to core deposits | 113.8972% | 323 |
| Total domestic deposits to total assets | 80.0549% | 4,193 |
| Equity capital to assets | 13.9461% | 683 |
| Core capital (leverage) ratio | 13.9067% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,283,226,500 | 775 |
| Average earning assets | $1,241,758,000 | 743 |
| Average equity | $177,401,500 | 607 |
| Average total loans | $1,081,536,000 | 623 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,371 |
| Cost of funding earning assets | 0.6767% | 1,840 |
| Net interest margin | 3.4424% | 2,642 |
| Noninterest income to average assets | 0.2841% | 3,786 |
| Noninterest expense to average assets | 2.2789% | 3,466 |
| Loan and lease loss provision to assets | 0.1683% | 2,282 |
| Net operating income to assets | 0.9220% | 2,601 |
| Return on assets (ROA) | 1.2835% | 1,396 |
| Pretax return on assets | 1.6232% | 1,020 |
| Return on Equity (ROE) | 9.8180% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.8180% | 624 |
| Net charge-offs to loans | 0.0685% | 1,809 |
| Credit loss provision to net charge-offs | 288.7624% | 1,779 |
| Earnings coverage of net charge-offs (x) | 22.8848% | 1,833 |
| Efficiency ratio | 63.0789% | 2,964 |
| Assets per employee ($millions) | 8.5029% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,625 |
| Loan loss allowance to noncurrent loans | 176.9154% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 2,231 |
| Noncurrent loans to loans | 0.3827% | 2,835 |
| Net loans and leases to total assets | 83.7785% | 188 |
| Net loans and leases to deposits | 104.6723% | 251 |
| Net loans and leases to core deposits | 119.6126% | 313 |
| Total domestic deposits to total assets | 80.0388% | 4,034 |
| Equity capital to assets | 13.6951% | 876 |
| Core capital (leverage) ratio | 13.5598% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,206,092,800 | 746 |
| Average earning assets | $1,166,291,200 | 719 |
| Average equity | $157,669,400 | 649 |
| Average total loans | $1,026,357,800 | 624 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 2,665 |
| Cost of funding earning assets | 0.7416% | 1,789 |
| Net interest margin | 3.3610% | 3,020 |
| Noninterest income to average assets | 0.3692% | 3,242 |
| Noninterest expense to average assets | 2.1854% | 3,715 |
| Loan and lease loss provision to assets | 0.2094% | 1,918 |
| Net operating income to assets | 0.9766% | 2,428 |
| Return on assets (ROA) | 0.8013% | 3,203 |
| Pretax return on assets | 1.0045% | 3,056 |
| Return on Equity (ROE) | 6.2058% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.2058% | 2,016 |
| Net charge-offs to loans | 0.1082% | 1,255 |
| Credit loss provision to net charge-offs | 226.7793% | 2,006 |
| Earnings coverage of net charge-offs (x) | 15.5223% | 2,097 |
| Efficiency ratio | 60.3964% | 3,331 |
| Assets per employee ($millions) | 8.8803% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 4,679 |
| Loan loss allowance to noncurrent loans | 142.6508% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 1,916 |
| Noncurrent loans to loans | 0.4468% | 2,711 |
| Net loans and leases to total assets | 84.8167% | 218 |
| Net loans and leases to deposits | 115.8648% | 149 |
| Net loans and leases to core deposits | 127.5715% | 277 |
| Total domestic deposits to total assets | 73.2032% | 4,620 |
| Equity capital to assets | 12.9149% | 1,220 |
| Core capital (leverage) ratio | 13.0036% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,197,261,250 | 741 |
| Average earning assets | $1,157,442,750 | 713 |
| Average equity | $154,583,500 | 649 |
| Average total loans | $1,021,164,500 | 621 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 2,819 |
| Cost of funding earning assets | 0.8368% | 1,645 |
| Net interest margin | 3.3456% | 3,255 |
| Noninterest income to average assets | 0.3703% | 3,257 |
| Noninterest expense to average assets | 2.2014% | 3,784 |
| Loan and lease loss provision to assets | 0.1917% | 2,112 |
| Net operating income to assets | 1.0056% | 2,301 |
| Return on assets (ROA) | 0.2081% | 4,606 |
| Pretax return on assets | 0.2495% | 4,587 |
| Return on Equity (ROE) | 1.6123% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.6123% | 3,904 |
| Net charge-offs to loans | -0.0066% | 4,086 |
| Credit loss provision to net charge-offs | -3,424.2424% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0912% | 3,262 |
| Assets per employee ($millions) | 8.5400% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 4,652 |
| Loan loss allowance to noncurrent loans | 79.5611% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,721 |
| Noncurrent loans to loans | 0.8295% | 1,840 |
| Net loans and leases to total assets | 85.3536% | 167 |
| Net loans and leases to deposits | 114.2647% | 152 |
| Net loans and leases to core deposits | 128.5934% | 277 |
| Total domestic deposits to total assets | 74.6982% | 4,542 |
| Equity capital to assets | 12.7484% | 1,256 |
| Core capital (leverage) ratio | 12.8580% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,178,975,667 | 746 |
| Average earning assets | $1,139,360,667 | 713 |
| Average equity | $152,208,000 | 652 |
| Average total loans | $1,005,280,000 | 622 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,915 |
| Cost of funding earning assets | 1.0181% | 1,344 |
| Net interest margin | 3.2836% | 3,632 |
| Noninterest income to average assets | 0.3766% | 3,259 |
| Noninterest expense to average assets | 2.1827% | 4,051 |
| Loan and lease loss provision to assets | 0.1486% | 1,907 |
| Net operating income to assets | 0.9730% | 2,271 |
| Return on assets (ROA) | -2.5692% | 5,055 |
| Pretax return on assets | -3.2709% | 5,061 |
| Return on Equity (ROE) | -19.7701% | 5,056 |
| Retained earnings to average equity (ytd only) | -19.7701% | 4,961 |
| Net charge-offs to loans | -0.0146% | 4,210 |
| Credit loss provision to net charge-offs | -1,194.4444% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5849% | 3,542 |
| Assets per employee ($millions) | 8.3063% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 4,718 |
| Loan loss allowance to noncurrent loans | 121.5220% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 2,668 |
| Noncurrent loans to loans | 0.5190% | 2,708 |
| Net loans and leases to total assets | 84.9844% | 202 |
| Net loans and leases to deposits | 120.1363% | 77 |
| Net loans and leases to core deposits | 136.6208% | 195 |
| Total domestic deposits to total assets | 70.7399% | 4,829 |
| Equity capital to assets | 12.7488% | 1,591 |
| Core capital (leverage) ratio | 12.5847% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,157,855,500 | 724 |
| Average earning assets | $1,116,950,000 | 686 |
| Average equity | $150,469,500 | 659 |
| Average total loans | $983,281,500 | 607 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 3,458 |
| Cost of funding earning assets | 1.1082% | 1,293 |
| Net interest margin | 3.2225% | 4,140 |
| Noninterest income to average assets | 0.3916% | 3,350 |
| Noninterest expense to average assets | 2.3552% | 3,814 |
| Loan and lease loss provision to assets | 0.0542% | 2,947 |
| Net operating income to assets | 0.8667% | 3,332 |
| Return on assets (ROA) | 1.6006% | 892 |
| Pretax return on assets | 2.0194% | 578 |
| Return on Equity (ROE) | 12.1724% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.1724% | 227 |
| Net charge-offs to loans | -0.0013% | 4,189 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2923% | 2,563 |
| Assets per employee ($millions) | 8.6652% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 4,767 |
| Loan loss allowance to noncurrent loans | 132.4902% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 2,888 |
| Noncurrent loans to loans | 0.4442% | 2,851 |
| Net loans and leases to total assets | 83.8287% | 336 |
| Net loans and leases to deposits | 123.3654% | 67 |
| Net loans and leases to core deposits | 138.7162% | 185 |
| Total domestic deposits to total assets | 67.9515% | 4,991 |
| Equity capital to assets | 13.2409% | 1,398 |
| Core capital (leverage) ratio | 13.5456% | 1,040 |
| Tier 1 risk-based capital ratio | 16.6042% | 2,184 |
| Total risk-based capital ratio | 17.2432% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,106,801,800 | 720 |
| Average earning assets | $1,067,579,200 | 677 |
| Average equity | $145,534,000 | 644 |
| Average total loans | $926,155,800 | 622 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 3,556 |
| Cost of funding earning assets | 1.1212% | 1,269 |
| Net interest margin | 3.2149% | 4,266 |
| Noninterest income to average assets | 0.3806% | 3,434 |
| Noninterest expense to average assets | 2.2618% | 4,048 |
| Loan and lease loss provision to assets | 0.0549% | 2,815 |
| Net operating income to assets | 0.9278% | 3,241 |
| Return on assets (ROA) | 1.0184% | 2,988 |
| Pretax return on assets | 1.2769% | 2,736 |
| Return on Equity (ROE) | 7.7592% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.7592% | 1,508 |
| Net charge-offs to loans | 0.0080% | 3,087 |
| Credit loss provision to net charge-offs | 818.1818% | 426 |
| Earnings coverage of net charge-offs (x) | 181.6764% | 469 |
| Efficiency ratio | 64.9858% | 2,863 |
| Assets per employee ($millions) | 7.9632% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 4,847 |
| Loan loss allowance to noncurrent loans | 119.8660% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 2,847 |
| Noncurrent loans to loans | 0.4895% | 2,830 |
| Net loans and leases to total assets | 83.6673% | 388 |
| Net loans and leases to deposits | 119.6801% | 98 |
| Net loans and leases to core deposits | 135.1570% | 237 |
| Total domestic deposits to total assets | 69.9092% | 4,999 |
| Equity capital to assets | 13.4190% | 1,392 |
| Core capital (leverage) ratio | 12.8546% | 1,403 |
| Tier 1 risk-based capital ratio | 16.3132% | 2,330 |
| Total risk-based capital ratio | 17.5032% | 2,278 |
| Memoranda: | ||
| Average total assets | $1,093,217,000 | 725 |
| Average earning assets | $1,054,060,000 | 689 |
| Average equity | $143,481,250 | 647 |
| Average total loans | $912,912,000 | 636 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 3,601 |
| Cost of funding earning assets | 1.1073% | 1,271 |
| Net interest margin | 3.2066% | 4,359 |
| Noninterest income to average assets | 0.3840% | 3,374 |
| Noninterest expense to average assets | 2.2857% | 4,038 |
| Loan and lease loss provision to assets | 0.0554% | 2,719 |
| Net operating income to assets | 0.9054% | 3,257 |
| Return on assets (ROA) | 1.0209% | 2,924 |
| Pretax return on assets | 1.2773% | 2,642 |
| Return on Equity (ROE) | 7.8392% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.8392% | 1,453 |
| Net charge-offs to loans | -0.0091% | 4,293 |
| Credit loss provision to net charge-offs | -731.7073% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7934% | 2,839 |
| Assets per employee ($millions) | 8.0476% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5928% | 4,887 |
| Loan loss allowance to noncurrent loans | 122.1580% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,877 |
| Noncurrent loans to loans | 0.4853% | 2,830 |
| Net loans and leases to total assets | 83.5190% | 409 |
| Net loans and leases to deposits | 118.5736% | 100 |
| Net loans and leases to core deposits | 138.4506% | 210 |
| Total domestic deposits to total assets | 70.4364% | 5,033 |
| Equity capital to assets | 13.3060% | 1,438 |
| Core capital (leverage) ratio | 12.8962% | 1,358 |
| Tier 1 risk-based capital ratio | 16.4568% | 2,253 |
| Total risk-based capital ratio | 17.6173% | 2,222 |
| Memoranda: | ||
| Average total assets | $1,083,352,670 | 733 |
| Average earning assets | $1,043,982,330 | 697 |
| Average equity | $141,085,000 | 652 |
| Average total loans | $902,226,000 | 641 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 3,610 |
| Cost of funding earning assets | 1.0959% | 1,199 |
| Net interest margin | 3.1867% | 4,414 |
| Noninterest income to average assets | 0.3889% | 3,264 |
| Noninterest expense to average assets | 2.3186% | 3,972 |
| Loan and lease loss provision to assets | 0.0559% | 2,551 |
| Net operating income to assets | 0.8692% | 3,354 |
| Return on assets (ROA) | 0.9827% | 2,956 |
| Pretax return on assets | 1.2241% | 2,719 |
| Return on Equity (ROE) | 7.6311% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.6311% | 1,796 |
| Net charge-offs to loans | 0.0045% | 2,545 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 305.5000% | 269 |
| Efficiency ratio | 67.0762% | 2,785 |
| Assets per employee ($millions) | 7.8285% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5912% | 4,952 |
| Loan loss allowance to noncurrent loans | 147.8066% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,276 |
| Noncurrent loans to loans | 0.4000% | 3,154 |
| Net loans and leases to total assets | 82.3368% | 553 |
| Net loans and leases to deposits | 117.0244% | 116 |
| Net loans and leases to core deposits | 137.5381% | 214 |
| Total domestic deposits to total assets | 70.3587% | 5,098 |
| Equity capital to assets | 13.1237% | 1,385 |
| Core capital (leverage) ratio | 12.6628% | 1,426 |
| Tier 1 risk-based capital ratio | 16.7832% | 2,179 |
| Total risk-based capital ratio | 17.8895% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,073,769,500 | 742 |
| Average earning assets | $1,033,658,000 | 707 |
| Average equity | $138,277,000 | 663 |
| Average total loans | $890,187,000 | 652 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 3,544 |
| Cost of funding earning assets | 0.9182% | 1,034 |
| Net interest margin | 3.2462% | 4,396 |
| Noninterest income to average assets | 0.4589% | 3,053 |
| Noninterest expense to average assets | 2.4318% | 3,798 |
| Loan and lease loss provision to assets | 0.0710% | 2,716 |
| Net operating income to assets | 0.8794% | 3,499 |
| Return on assets (ROA) | 1.0061% | 2,968 |
| Pretax return on assets | 1.2294% | 2,778 |
| Return on Equity (ROE) | 7.7360% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.7360% | 1,358 |
| Net charge-offs to loans | 0.0167% | 3,133 |
| Credit loss provision to net charge-offs | 517.9856% | 672 |
| Earnings coverage of net charge-offs (x) | 83.6187% | 841 |
| Efficiency ratio | 67.9701% | 2,553 |
| Assets per employee ($millions) | 7.7334% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 5,001 |
| Loan loss allowance to noncurrent loans | 156.3449% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 3,329 |
| Noncurrent loans to loans | 0.3720% | 3,208 |
| Net loans and leases to total assets | 82.4979% | 592 |
| Net loans and leases to deposits | 117.8737% | 121 |
| Net loans and leases to core deposits | 136.8100% | 232 |
| Total domestic deposits to total assets | 69.9884% | 5,153 |
| Equity capital to assets | 12.6287% | 1,522 |
| Core capital (leverage) ratio | 12.5601% | 1,425 |
| Tier 1 risk-based capital ratio | 16.7005% | 2,172 |
| Total risk-based capital ratio | 17.5599% | 2,249 |
| Memoranda: | ||
| Average total assets | $1,014,278,600 | 755 |
| Average earning assets | $974,454,200 | 724 |
| Average equity | $131,915,400 | 659 |
| Average total loans | $834,180,400 | 669 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,611 |
| Cost of funding earning assets | 0.8679% | 1,042 |
| Net interest margin | 3.2396% | 4,433 |
| Noninterest income to average assets | 0.4636% | 3,078 |
| Noninterest expense to average assets | 2.3595% | 3,950 |
| Loan and lease loss provision to assets | 0.0639% | 2,695 |
| Net operating income to assets | 0.9417% | 3,346 |
| Return on assets (ROA) | 0.9980% | 3,105 |
| Pretax return on assets | 1.2207% | 2,910 |
| Return on Equity (ROE) | 7.6146% | 3,702 |
| Retained earnings to average equity (ytd only) | 7.6146% | 1,841 |
| Net charge-offs to loans | 0.0196% | 2,753 |
| Credit loss provision to net charge-offs | 396.6942% | 833 |
| Earnings coverage of net charge-offs (x) | 75.4542% | 907 |
| Efficiency ratio | 65.9899% | 2,874 |
| Assets per employee ($millions) | 7.7384% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 5,100 |
| Loan loss allowance to noncurrent loans | 151.5841% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,434 |
| Noncurrent loans to loans | 0.3738% | 3,311 |
| Net loans and leases to total assets | 82.1806% | 684 |
| Net loans and leases to deposits | 118.4689% | 121 |
| Net loans and leases to core deposits | 136.9813% | 233 |
| Total domestic deposits to total assets | 69.3689% | 5,244 |
| Equity capital to assets | 12.8955% | 1,384 |
| Core capital (leverage) ratio | 12.6908% | 1,423 |
| Tier 1 risk-based capital ratio | 16.3613% | 2,313 |
| Total risk-based capital ratio | 17.5655% | 2,272 |
| Memoranda: | ||
| Average total assets | $1,001,047,500 | 760 |
| Average earning assets | $961,565,750 | 731 |
| Average equity | $131,200,750 | 657 |
| Average total loans | $821,333,000 | 677 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,581 |
| Cost of funding earning assets | 0.8011% | 1,116 |
| Net interest margin | 3.2592% | 4,362 |
| Noninterest income to average assets | 0.4374% | 3,239 |
| Noninterest expense to average assets | 2.3480% | 4,029 |
| Loan and lease loss provision to assets | 0.0488% | 2,941 |
| Net operating income to assets | 0.9413% | 3,268 |
| Return on assets (ROA) | 1.0261% | 2,918 |
| Pretax return on assets | 1.2737% | 2,619 |
| Return on Equity (ROE) | 7.7844% | 3,597 |
| Retained earnings to average equity (ytd only) | 7.7844% | 1,713 |
| Net charge-offs to loans | 0.0132% | 2,696 |
| Credit loss provision to net charge-offs | 452.8302% | 754 |
| Earnings coverage of net charge-offs (x) | 113.0377% | 635 |
| Efficiency ratio | 65.8477% | 3,010 |
| Assets per employee ($millions) | 7.4691% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5692% | 5,163 |
| Loan loss allowance to noncurrent loans | 143.3394% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,422 |
| Noncurrent loans to loans | 0.3971% | 3,264 |
| Net loans and leases to total assets | 81.7939% | 729 |
| Net loans and leases to deposits | 121.0895% | 94 |
| Net loans and leases to core deposits | 139.0130% | 207 |
| Total domestic deposits to total assets | 67.5483% | 5,349 |
| Equity capital to assets | 12.9383% | 1,326 |
| Core capital (leverage) ratio | 13.0077% | 1,215 |
| Tier 1 risk-based capital ratio | 16.6495% | 2,209 |
| Total risk-based capital ratio | 17.7053% | 2,215 |
| Memoranda: | ||
| Average total assets | $983,920,670 | 775 |
| Average earning assets | $944,417,330 | 745 |
| Average equity | $129,695,670 | 663 |
| Average total loans | $805,170,670 | 689 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,512 |
| Cost of funding earning assets | 0.7296% | 1,292 |
| Net interest margin | 3.2988% | 4,195 |
| Noninterest income to average assets | 0.4281% | 3,257 |
| Noninterest expense to average assets | 2.3455% | 4,072 |
| Loan and lease loss provision to assets | 0.0496% | 2,785 |
| Net operating income to assets | 0.9686% | 2,991 |
| Return on assets (ROA) | 1.1409% | 2,268 |
| Pretax return on assets | 1.4108% | 1,971 |
| Return on Equity (ROE) | 8.5726% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.5726% | 1,625 |
| Net charge-offs to loans | 0.0268% | 1,959 |
| Credit loss provision to net charge-offs | 226.4151% | 965 |
| Earnings coverage of net charge-offs (x) | 56.9623% | 869 |
| Efficiency ratio | 65.2789% | 3,280 |
| Assets per employee ($millions) | 7.6836% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 5,223 |
| Loan loss allowance to noncurrent loans | 140.4848% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 3,492 |
| Noncurrent loans to loans | 0.4124% | 3,301 |
| Net loans and leases to total assets | 80.8994% | 809 |
| Net loans and leases to deposits | 122.2114% | 92 |
| Net loans and leases to core deposits | 150.4868% | 123 |
| Total domestic deposits to total assets | 66.1963% | 5,458 |
| Equity capital to assets | 13.1259% | 1,183 |
| Core capital (leverage) ratio | 13.1095% | 1,137 |
| Tier 1 risk-based capital ratio | 17.0934% | 2,090 |
| Total risk-based capital ratio | 18.1580% | 2,092 |
| Memoranda: | ||
| Average total assets | $967,980,000 | 790 |
| Average earning assets | $928,712,000 | 753 |
| Average equity | $128,829,500 | 665 |
| Average total loans | $789,946,000 | 703 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,286 |
| Cost of funding earning assets | 0.6159% | 1,498 |
| Net interest margin | 3.4210% | 3,784 |
| Noninterest income to average assets | 0.4373% | 3,391 |
| Noninterest expense to average assets | 2.8276% | 2,685 |
| Loan and lease loss provision to assets | 0.0523% | 3,182 |
| Net operating income to assets | 0.5761% | 4,110 |
| Return on assets (ROA) | 0.9111% | 2,679 |
| Pretax return on assets | 1.3151% | 2,290 |
| Return on Equity (ROE) | 6.7719% | 3,401 |
| Retained earnings to average equity (ytd only) | 6.7719% | 1,163 |
| Net charge-offs to loans | 0.0223% | 3,356 |
| Credit loss provision to net charge-offs | 286.1446% | 977 |
| Earnings coverage of net charge-offs (x) | 48.2590% | 1,116 |
| Efficiency ratio | 76.2250% | 1,584 |
| Assets per employee ($millions) | 7.3834% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 5,268 |
| Loan loss allowance to noncurrent loans | 147.3396% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 3,575 |
| Noncurrent loans to loans | 0.3978% | 3,333 |
| Net loans and leases to total assets | 81.3726% | 763 |
| Net loans and leases to deposits | 121.0005% | 103 |
| Net loans and leases to core deposits | 149.2615% | 138 |
| Total domestic deposits to total assets | 67.2498% | 5,491 |
| Equity capital to assets | 13.4983% | 1,065 |
| Core capital (leverage) ratio | 13.1143% | 1,106 |
| Tier 1 risk-based capital ratio | 16.8339% | 2,148 |
| Total risk-based capital ratio | 18.0061% | 2,124 |
| Memoranda: | ||
| Average total assets | $908,343,200 | 818 |
| Average earning assets | $868,841,800 | 781 |
| Average equity | $122,210,000 | 672 |
| Average total loans | $745,453,800 | 702 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,294 |
| Cost of funding earning assets | 0.5989% | 1,535 |
| Net interest margin | 3.4163% | 3,790 |
| Noninterest income to average assets | 0.4428% | 3,385 |
| Noninterest expense to average assets | 2.8938% | 2,430 |
| Loan and lease loss provision to assets | 0.0483% | 3,131 |
| Net operating income to assets | 0.5247% | 4,666 |
| Return on assets (ROA) | 0.9770% | 2,715 |
| Pretax return on assets | 1.4218% | 2,054 |
| Return on Equity (ROE) | 7.2678% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.2678% | 1,556 |
| Net charge-offs to loans | 0.0087% | 3,416 |
| Credit loss provision to net charge-offs | 677.0833% | 491 |
| Earnings coverage of net charge-offs (x) | 114.2263% | 641 |
| Efficiency ratio | 78.0311% | 1,328 |
| Assets per employee ($millions) | 7.4554% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 5,340 |
| Loan loss allowance to noncurrent loans | 155.8571% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,814 |
| Noncurrent loans to loans | 0.3795% | 3,589 |
| Net loans and leases to total assets | 81.8130% | 723 |
| Net loans and leases to deposits | 124.8891% | 62 |
| Net loans and leases to core deposits | 148.2146% | 134 |
| Total domestic deposits to total assets | 65.5085% | 5,600 |
| Equity capital to assets | 13.5157% | 1,152 |
| Core capital (leverage) ratio | 13.3867% | 1,064 |
| Tier 1 risk-based capital ratio | 17.2952% | 2,064 |
| Total risk-based capital ratio | 18.3793% | 2,079 |
| Memoranda: | ||
| Average total assets | $897,313,750 | 839 |
| Average earning assets | $857,742,250 | 800 |
| Average equity | $120,621,000 | 683 |
| Average total loans | $736,914,500 | 714 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,223 |
| Cost of funding earning assets | 0.5816% | 1,564 |
| Net interest margin | 3.4129% | 3,729 |
| Noninterest income to average assets | 0.4398% | 3,423 |
| Noninterest expense to average assets | 2.4108% | 4,021 |
| Loan and lease loss provision to assets | 0.0395% | 3,221 |
| Net operating income to assets | 0.8378% | 3,208 |
| Return on assets (ROA) | 1.4880% | 912 |
| Pretax return on assets | 2.2184% | 343 |
| Return on Equity (ROE) | 11.0903% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.0903% | 427 |
| Net charge-offs to loans | 0.0055% | 3,268 |
| Credit loss provision to net charge-offs | 875.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 285.1000% | 298 |
| Efficiency ratio | 65.1871% | 3,474 |
| Assets per employee ($millions) | 7.3801% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 5,393 |
| Loan loss allowance to noncurrent loans | 172.7308% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,996 |
| Noncurrent loans to loans | 0.3434% | 3,811 |
| Net loans and leases to total assets | 81.4997% | 746 |
| Net loans and leases to deposits | 123.3005% | 68 |
| Net loans and leases to core deposits | 138.0403% | 206 |
| Total domestic deposits to total assets | 66.0985% | 5,636 |
| Equity capital to assets | 13.3863% | 1,193 |
| Core capital (leverage) ratio | 13.7300% | 934 |
| Tier 1 risk-based capital ratio | 17.6145% | 1,969 |
| Total risk-based capital ratio | 18.5764% | 2,012 |
| Memoranda: | ||
| Average total assets | $885,775,670 | 857 |
| Average earning assets | $845,661,670 | 824 |
| Average equity | $118,842,330 | 695 |
| Average total loans | $726,894,330 | 726 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 3,176 |
| Cost of funding earning assets | 0.5689% | 1,593 |
| Net interest margin | 3.3909% | 3,680 |
| Noninterest income to average assets | 0.4088% | 3,596 |
| Noninterest expense to average assets | 2.4747% | 3,896 |
| Loan and lease loss provision to assets | 0.0343% | 3,098 |
| Net operating income to assets | 0.7571% | 3,444 |
| Return on assets (ROA) | 2.0110% | 307 |
| Pretax return on assets | 3.0348% | 133 |
| Return on Equity (ROE) | 14.9712% | 648 |
| Retained earnings to average equity (ytd only) | 14.9712% | 233 |
| Net charge-offs to loans | 0.0128% | 2,552 |
| Credit loss provision to net charge-offs | 326.0870% | 746 |
| Earnings coverage of net charge-offs (x) | 111.1739% | 491 |
| Efficiency ratio | 67.9132% | 3,214 |
| Assets per employee ($millions) | 7.5694% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5927% | 5,487 |
| Loan loss allowance to noncurrent loans | 159.1731% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,941 |
| Noncurrent loans to loans | 0.3723% | 3,760 |
| Net loans and leases to total assets | 81.6666% | 607 |
| Net loans and leases to deposits | 129.5552% | 38 |
| Net loans and leases to core deposits | 139.7529% | 172 |
| Total domestic deposits to total assets | 63.0362% | 5,750 |
| Equity capital to assets | 13.4236% | 1,099 |
| Core capital (leverage) ratio | 13.9223% | 869 |
| Tier 1 risk-based capital ratio | 18.3146% | 1,777 |
| Total risk-based capital ratio | 19.2849% | 1,823 |
| Memoranda: | ||
| Average total assets | $874,784,500 | 869 |
| Average earning assets | $834,585,500 | 837 |
| Average equity | $117,506,000 | 698 |
| Average total loans | $718,224,000 | 733 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,235 |
| Cost of funding earning assets | 0.6484% | 1,067 |
| Net interest margin | 3.3392% | 4,029 |
| Noninterest income to average assets | 0.4501% | 3,545 |
| Noninterest expense to average assets | 2.5854% | 3,722 |
| Loan and lease loss provision to assets | 0.0184% | 4,006 |
| Net operating income to assets | 0.7139% | 3,718 |
| Return on assets (ROA) | 0.8604% | 3,134 |
| Pretax return on assets | 1.2398% | 2,516 |
| Return on Equity (ROE) | 6.4328% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.4328% | 1,483 |
| Net charge-offs to loans | 0.0363% | 3,301 |
| Credit loss provision to net charge-offs | 62.5000% | 3,211 |
| Earnings coverage of net charge-offs (x) | 35.4758% | 1,287 |
| Efficiency ratio | 71.1975% | 2,711 |
| Assets per employee ($millions) | 7.3216% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 5,527 |
| Loan loss allowance to noncurrent loans | 131.4815% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 3,518 |
| Noncurrent loans to loans | 0.4571% | 3,518 |
| Net loans and leases to total assets | 81.5580% | 660 |
| Net loans and leases to deposits | 127.4035% | 49 |
| Net loans and leases to core deposits | 137.3978% | 201 |
| Total domestic deposits to total assets | 64.0156% | 5,790 |
| Equity capital to assets | 13.4418% | 1,078 |
| Core capital (leverage) ratio | 13.6161% | 928 |
| Tier 1 risk-based capital ratio | 17.5888% | 1,979 |
| Total risk-based capital ratio | 18.7337% | 1,968 |
| Memoranda: | ||
| Average total assets | $841,188,000 | 861 |
| Average earning assets | $801,395,600 | 840 |
| Average equity | $112,516,600 | 711 |
| Average total loans | $683,501,000 | 731 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 3,350 |
| Cost of funding earning assets | 0.6649% | 978 |
| Net interest margin | 3.3003% | 4,187 |
| Noninterest income to average assets | 0.4368% | 3,652 |
| Noninterest expense to average assets | 2.5825% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6832% | 3,943 |
| Return on assets (ROA) | 0.8464% | 3,285 |
| Pretax return on assets | 1.2337% | 2,690 |
| Return on Equity (ROE) | 6.3360% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.3360% | 1,991 |
| Net charge-offs to loans | 0.0301% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 40.8441% | 1,220 |
| Efficiency ratio | 72.1425% | 2,561 |
| Assets per employee ($millions) | 7.1194% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 5,605 |
| Loan loss allowance to noncurrent loans | 126.1640% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,735 |
| Noncurrent loans to loans | 0.4778% | 3,579 |
| Net loans and leases to total assets | 81.0651% | 745 |
| Net loans and leases to deposits | 127.7994% | 55 |
| Net loans and leases to core deposits | 138.1838% | 211 |
| Total domestic deposits to total assets | 63.4316% | 5,854 |
| Equity capital to assets | 13.4711% | 1,258 |
| Core capital (leverage) ratio | 13.5517% | 980 |
| Tier 1 risk-based capital ratio | 17.6243% | 2,032 |
| Total risk-based capital ratio | 18.7188% | 2,050 |
| Memoranda: | ||
| Average total assets | $835,496,500 | 867 |
| Average earning assets | $795,670,750 | 838 |
| Average equity | $111,613,000 | 721 |
| Average total loans | $677,155,250 | 735 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,379 |
| Cost of funding earning assets | 0.6886% | 852 |
| Net interest margin | 3.2724% | 4,320 |
| Noninterest income to average assets | 0.4197% | 3,743 |
| Noninterest expense to average assets | 2.5074% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7061% | 3,760 |
| Return on assets (ROA) | 0.8058% | 3,417 |
| Pretax return on assets | 1.1722% | 2,893 |
| Return on Equity (ROE) | 6.0495% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.0495% | 2,095 |
| Net charge-offs to loans | 0.0149% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 85.2200% | 669 |
| Efficiency ratio | 70.9286% | 2,841 |
| Assets per employee ($millions) | 7.2007% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 5,645 |
| Loan loss allowance to noncurrent loans | 136.9510% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,895 |
| Noncurrent loans to loans | 0.4579% | 3,726 |
| Net loans and leases to total assets | 80.9292% | 766 |
| Net loans and leases to deposits | 127.7413% | 54 |
| Net loans and leases to core deposits | 137.1956% | 211 |
| Total domestic deposits to total assets | 63.3540% | 5,941 |
| Equity capital to assets | 13.4340% | 1,269 |
| Core capital (leverage) ratio | 13.5672% | 958 |
| Tier 1 risk-based capital ratio | 17.5520% | 2,053 |
| Total risk-based capital ratio | 18.7151% | 2,042 |
| Memoranda: | ||
| Average total assets | $829,220,670 | 877 |
| Average earning assets | $789,441,670 | 842 |
| Average equity | $110,455,000 | 731 |
| Average total loans | $670,620,670 | 740 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,422 |
| Cost of funding earning assets | 0.7175% | 740 |
| Net interest margin | 3.2274% | 4,482 |
| Noninterest income to average assets | 0.4021% | 3,813 |
| Noninterest expense to average assets | 2.4717% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6876% | 3,771 |
| Return on assets (ROA) | 0.7741% | 3,477 |
| Pretax return on assets | 1.1267% | 2,985 |
| Return on Equity (ROE) | 5.8372% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.8372% | 2,448 |
| Net charge-offs to loans | 0.0235% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 52.7949% | 847 |
| Efficiency ratio | 71.1705% | 2,921 |
| Assets per employee ($millions) | 7.2879% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 5,676 |
| Loan loss allowance to noncurrent loans | 111.3003% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 3,730 |
| Noncurrent loans to loans | 0.5813% | 3,445 |
| Net loans and leases to total assets | 79.7379% | 855 |
| Net loans and leases to deposits | 124.3813% | 66 |
| Net loans and leases to core deposits | 133.5691% | 232 |
| Total domestic deposits to total assets | 64.1076% | 5,997 |
| Equity capital to assets | 13.3156% | 1,260 |
| Core capital (leverage) ratio | 13.4624% | 999 |
| Tier 1 risk-based capital ratio | 17.5249% | 2,114 |
| Total risk-based capital ratio | 18.6415% | 2,127 |
| Memoranda: | ||
| Average total assets | $822,587,500 | 886 |
| Average earning assets | $782,676,500 | 854 |
| Average equity | $109,092,500 | 742 |
| Average total loans | $662,870,500 | 748 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,395 |
| Cost of funding earning assets | 0.8758% | 323 |
| Net interest margin | 3.1010% | 4,898 |
| Noninterest income to average assets | 0.4521% | 3,649 |
| Noninterest expense to average assets | 2.3742% | 4,576 |
| Loan and lease loss provision to assets | 0.0467% | 3,390 |
| Net operating income to assets | 0.6886% | 3,871 |
| Return on assets (ROA) | 0.7880% | 3,467 |
| Pretax return on assets | 1.1238% | 2,946 |
| Return on Equity (ROE) | 5.9833% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.9833% | 1,798 |
| Net charge-offs to loans | 0.0386% | 3,453 |
| Credit loss provision to net charge-offs | 150.6024% | 1,763 |
| Earnings coverage of net charge-offs (x) | 33.1727% | 1,350 |
| Efficiency ratio | 69.7746% | 3,258 |
| Assets per employee ($millions) | 7.2711% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 5,707 |
| Loan loss allowance to noncurrent loans | 93.3119% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 3,264 |
| Noncurrent loans to loans | 0.7079% | 3,065 |
| Net loans and leases to total assets | 80.3821% | 788 |
| Net loans and leases to deposits | 123.7098% | 76 |
| Net loans and leases to core deposits | 132.8434% | 234 |
| Total domestic deposits to total assets | 64.9763% | 6,030 |
| Equity capital to assets | 13.2076% | 1,255 |
| Core capital (leverage) ratio | 13.5013% | 967 |
| Tier 1 risk-based capital ratio | 17.6494% | 2,073 |
| Total risk-based capital ratio | 18.7015% | 2,094 |
| Memoranda: | ||
| Average total assets | $803,139,200 | 864 |
| Average earning assets | $764,180,200 | 827 |
| Average equity | $105,777,600 | 733 |
| Average total loans | $644,367,800 | 724 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,456 |
| Cost of funding earning assets | 0.9156% | 266 |
| Net interest margin | 3.0564% | 5,060 |
| Noninterest income to average assets | 0.4370% | 3,822 |
| Noninterest expense to average assets | 2.3590% | 4,626 |
| Loan and lease loss provision to assets | 0.0625% | 2,934 |
| Net operating income to assets | 0.6371% | 4,199 |
| Return on assets (ROA) | 0.7335% | 3,854 |
| Pretax return on assets | 1.0642% | 3,352 |
| Return on Equity (ROE) | 5.5733% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.5733% | 2,539 |
| Net charge-offs to loans | 0.0298% | 3,338 |
| Credit loss provision to net charge-offs | 262.2378% | 1,097 |
| Earnings coverage of net charge-offs (x) | 41.4270% | 1,208 |
| Efficiency ratio | 70.5039% | 3,133 |
| Assets per employee ($millions) | 6.8368% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 5,752 |
| Loan loss allowance to noncurrent loans | 78.3793% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 3,127 |
| Noncurrent loans to loans | 0.8814% | 2,778 |
| Net loans and leases to total assets | 80.1299% | 809 |
| Net loans and leases to deposits | 122.8470% | 79 |
| Net loans and leases to core deposits | 132.2380% | 249 |
| Total domestic deposits to total assets | 65.2274% | 6,111 |
| Equity capital to assets | 13.2612% | 1,325 |
| Core capital (leverage) ratio | 13.5002% | 1,017 |
| Tier 1 risk-based capital ratio | 17.7771% | 2,096 |
| Total risk-based capital ratio | 18.7479% | 2,144 |
| Memoranda: | ||
| Average total assets | $800,334,500 | 876 |
| Average earning assets | $761,698,750 | 838 |
| Average equity | $105,332,750 | 741 |
| Average total loans | $640,722,000 | 735 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,380 |
| Cost of funding earning assets | 0.9478% | 223 |
| Net interest margin | 3.0300% | 5,152 |
| Noninterest income to average assets | 0.4542% | 3,668 |
| Noninterest expense to average assets | 2.3466% | 4,727 |
| Loan and lease loss provision to assets | 0.0625% | 2,866 |
| Net operating income to assets | 0.6402% | 4,169 |
| Return on assets (ROA) | 0.7171% | 3,928 |
| Pretax return on assets | 1.0409% | 3,415 |
| Return on Equity (ROE) | 5.4623% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.4623% | 2,559 |
| Net charge-offs to loans | 0.0300% | 3,065 |
| Credit loss provision to net charge-offs | 260.4167% | 1,019 |
| Earnings coverage of net charge-offs (x) | 41.3542% | 1,108 |
| Efficiency ratio | 70.2889% | 3,288 |
| Assets per employee ($millions) | 6.8148% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 5,851 |
| Loan loss allowance to noncurrent loans | 74.6974% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 3,040 |
| Noncurrent loans to loans | 0.9164% | 2,836 |
| Net loans and leases to total assets | 80.4047% | 752 |
| Net loans and leases to deposits | 121.4178% | 84 |
| Net loans and leases to core deposits | 131.4441% | 255 |
| Total domestic deposits to total assets | 66.2216% | 6,164 |
| Equity capital to assets | 13.4142% | 1,209 |
| Core capital (leverage) ratio | 13.3356% | 1,038 |
| Tier 1 risk-based capital ratio | 17.4932% | 2,223 |
| Total risk-based capital ratio | 18.6577% | 2,208 |
| Memoranda: | ||
| Average total assets | $800,477,670 | 883 |
| Average earning assets | $761,973,670 | 841 |
| Average equity | $105,084,670 | 740 |
| Average total loans | $639,155,330 | 733 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 3,373 |
| Cost of funding earning assets | 0.9607% | 215 |
| Net interest margin | 3.0013% | 5,212 |
| Noninterest income to average assets | 0.4167% | 3,868 |
| Noninterest expense to average assets | 2.3162% | 4,838 |
| Loan and lease loss provision to assets | 0.0621% | 2,686 |
| Net operating income to assets | 0.6162% | 4,213 |
| Return on assets (ROA) | 0.6913% | 3,970 |
| Pretax return on assets | 1.0066% | 3,468 |
| Return on Equity (ROE) | 5.3228% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.3228% | 2,874 |
| Net charge-offs to loans | 0.0100% | 2,999 |
| Credit loss provision to net charge-offs | 781.2500% | 395 |
| Earnings coverage of net charge-offs (x) | 120.8125% | 423 |
| Efficiency ratio | 70.6988% | 3,368 |
| Assets per employee ($millions) | 7.2569% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 5,937 |
| Loan loss allowance to noncurrent loans | 69.7442% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 3,085 |
| Noncurrent loans to loans | 0.9768% | 2,815 |
| Net loans and leases to total assets | 78.4776% | 862 |
| Net loans and leases to deposits | 117.5050% | 119 |
| Net loans and leases to core deposits | 127.7266% | 276 |
| Total domestic deposits to total assets | 66.7866% | 6,229 |
| Equity capital to assets | 13.0850% | 1,352 |
| Core capital (leverage) ratio | 13.1208% | 1,117 |
| Tier 1 risk-based capital ratio | 17.4130% | 2,333 |
| Total risk-based capital ratio | 18.6284% | 2,304 |
| Memoranda: | ||
| Average total assets | $805,460,000 | 878 |
| Average earning assets | $767,388,500 | 841 |
| Average equity | $104,606,500 | 738 |
| Average total loans | $638,737,500 | 727 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,335 |
| Cost of funding earning assets | 1.0567% | 176 |
| Net interest margin | 3.0421% | 5,344 |
| Noninterest income to average assets | 0.5112% | 3,415 |
| Noninterest expense to average assets | 2.5027% | 4,538 |
| Loan and lease loss provision to assets | 0.0755% | 2,966 |
| Net operating income to assets | 0.6367% | 4,204 |
| Return on assets (ROA) | 0.7765% | 3,580 |
| Pretax return on assets | 0.9983% | 3,504 |
| Return on Equity (ROE) | 6.0428% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.0428% | 1,899 |
| Net charge-offs to loans | 0.0596% | 3,649 |
| Credit loss provision to net charge-offs | 157.4803% | 1,536 |
| Earnings coverage of net charge-offs (x) | 18.6509% | 1,828 |
| Efficiency ratio | 73.6678% | 2,887 |
| Assets per employee ($millions) | 7.0649% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 6,061 |
| Loan loss allowance to noncurrent loans | 74.4321% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 3,396 |
| Noncurrent loans to loans | 0.8860% | 3,101 |
| Net loans and leases to total assets | 79.0613% | 877 |
| Net loans and leases to deposits | 120.8124% | 94 |
| Net loans and leases to core deposits | 131.7677% | 225 |
| Total domestic deposits to total assets | 65.4414% | 6,340 |
| Equity capital to assets | 12.8893% | 1,420 |
| Core capital (leverage) ratio | 12.9256% | 1,168 |
| Tier 1 risk-based capital ratio | 19.5765% | 1,697 |
| Total risk-based capital ratio | 20.3899% | 1,778 |
| Memoranda: | ||
| Average total assets | $794,354,400 | 851 |
| Average earning assets | $753,595,400 | 813 |
| Average equity | $102,071,800 | 717 |
| Average total loans | $638,996,000 | 685 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 3,384 |
| Cost of funding earning assets | 1.0850% | 160 |
| Net interest margin | 3.0133% | 5,473 |
| Noninterest income to average assets | 0.5213% | 3,401 |
| Noninterest expense to average assets | 2.5181% | 4,469 |
| Loan and lease loss provision to assets | 0.0758% | 2,822 |
| Net operating income to assets | 0.6317% | 4,296 |
| Return on assets (ROA) | 0.7517% | 3,759 |
| Pretax return on assets | 0.9304% | 3,857 |
| Return on Equity (ROE) | 5.8547% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.8547% | 2,500 |
| Net charge-offs to loans | 0.0530% | 3,459 |
| Credit loss provision to net charge-offs | 177.1654% | 1,408 |
| Earnings coverage of net charge-offs (x) | 20.0550% | 1,755 |
| Efficiency ratio | 74.5859% | 2,719 |
| Assets per employee ($millions) | 6.8681% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 6,160 |
| Loan loss allowance to noncurrent loans | 64.8365% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8406% | 3,314 |
| Noncurrent loans to loans | 1.0136% | 3,044 |
| Net loans and leases to total assets | 80.4592% | 665 |
| Net loans and leases to deposits | 120.4913% | 91 |
| Net loans and leases to core deposits | 131.8430% | 222 |
| Total domestic deposits to total assets | 66.7759% | 6,385 |
| Equity capital to assets | 13.1276% | 1,366 |
| Core capital (leverage) ratio | 12.8674% | 1,239 |
| Tier 1 risk-based capital ratio | 19.2859% | 1,825 |
| Total risk-based capital ratio | 20.0965% | 1,913 |
| Memoranda: | ||
| Average total assets | $791,592,500 | 857 |
| Average earning assets | $749,934,500 | 821 |
| Average equity | $101,637,000 | 716 |
| Average total loans | $638,498,000 | 677 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 3,365 |
| Cost of funding earning assets | 1.1176% | 135 |
| Net interest margin | 2.9777% | 5,582 |
| Noninterest income to average assets | 0.5587% | 3,055 |
| Noninterest expense to average assets | 2.6529% | 4,040 |
| Loan and lease loss provision to assets | 0.0757% | 2,758 |
| Net operating income to assets | 0.5878% | 4,420 |
| Return on assets (ROA) | 0.7365% | 3,733 |
| Pretax return on assets | 0.8142% | 4,216 |
| Return on Equity (ROE) | 5.7789% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.7789% | 2,465 |
| Net charge-offs to loans | 0.0755% | 2,943 |
| Credit loss provision to net charge-offs | 124.4813% | 1,677 |
| Earnings coverage of net charge-offs (x) | 11.9129% | 2,104 |
| Efficiency ratio | 78.5410% | 2,223 |
| Assets per employee ($millions) | 7.3281% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 6,255 |
| Loan loss allowance to noncurrent loans | 63.1228% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 3,380 |
| Noncurrent loans to loans | 1.0132% | 3,207 |
| Net loans and leases to total assets | 80.5828% | 618 |
| Net loans and leases to deposits | 118.5436% | 99 |
| Net loans and leases to core deposits | 130.9663% | 217 |
| Total domestic deposits to total assets | 67.9773% | 6,425 |
| Equity capital to assets | 13.1209% | 1,310 |
| Core capital (leverage) ratio | 12.7645% | 1,257 |
| Tier 1 risk-based capital ratio | 19.2696% | 1,861 |
| Total risk-based capital ratio | 20.0634% | 1,936 |
| Memoranda: | ||
| Average total assets | $792,178,670 | 857 |
| Average earning assets | $749,968,330 | 819 |
| Average equity | $100,954,000 | 718 |
| Average total loans | $638,098,000 | 671 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,412 |
| Cost of funding earning assets | 1.1256% | 142 |
| Net interest margin | 2.9410% | 5,666 |
| Noninterest income to average assets | 0.6476% | 2,479 |
| Noninterest expense to average assets | 3.0017% | 2,853 |
| Loan and lease loss provision to assets | 0.0754% | 2,636 |
| Net operating income to assets | 0.5380% | 4,510 |
| Return on assets (ROA) | 0.6817% | 3,855 |
| Pretax return on assets | 0.4984% | 5,176 |
| Return on Equity (ROE) | 5.4285% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.4285% | 2,831 |
| Net charge-offs to loans | 0.0113% | 3,397 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 47.5556% | 780 |
| Efficiency ratio | 87.4689% | 1,284 |
| Assets per employee ($millions) | 7.4709% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 6,340 |
| Loan loss allowance to noncurrent loans | 61.8038% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 3,520 |
| Noncurrent loans to loans | 1.0540% | 3,318 |
| Net loans and leases to total assets | 79.7103% | 585 |
| Net loans and leases to deposits | 114.5667% | 100 |
| Net loans and leases to core deposits | 126.1765% | 227 |
| Total domestic deposits to total assets | 69.5754% | 6,464 |
| Equity capital to assets | 12.6447% | 1,496 |
| Core capital (leverage) ratio | 12.4045% | 1,433 |
| Tier 1 risk-based capital ratio | 19.0654% | 1,945 |
| Total risk-based capital ratio | 19.8775% | 2,047 |
| Memoranda: | ||
| Average total assets | $796,214,500 | 860 |
| Average earning assets | $753,750,500 | 827 |
| Average equity | $99,990,000 | 726 |
| Average total loans | $639,186,000 | 671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 3,536 |
| Cost of funding earning assets | 1.2634% | 131 |
| Net interest margin | 2.8874% | 5,810 |
| Noninterest income to average assets | 0.4268% | 4,255 |
| Noninterest expense to average assets | 2.4074% | 5,049 |
| Loan and lease loss provision to assets | 0.0830% | 3,459 |
| Net operating income to assets | 0.4629% | 4,895 |
| Return on assets (ROA) | 0.6379% | 4,189 |
| Pretax return on assets | 0.9149% | 3,702 |
| Return on Equity (ROE) | 5.4706% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.4706% | 2,295 |
| Net charge-offs to loans | 0.0581% | 4,413 |
| Credit loss provision to net charge-offs | 178.3784% | 1,286 |
| Earnings coverage of net charge-offs (x) | 16.0757% | 1,826 |
| Efficiency ratio | 76.2990% | 2,725 |
| Assets per employee ($millions) | 7.4122% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 6,449 |
| Loan loss allowance to noncurrent loans | 54.2134% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 3,532 |
| Noncurrent loans to loans | 1.1498% | 3,242 |
| Net loans and leases to total assets | 79.8221% | 612 |
| Net loans and leases to deposits | 117.3958% | 87 |
| Net loans and leases to core deposits | 129.3545% | 201 |
| Total domestic deposits to total assets | 67.9940% | 6,585 |
| Equity capital to assets | 12.4726% | 1,524 |
| Core capital (leverage) ratio | 12.0683% | 1,556 |
| Tier 1 risk-based capital ratio | 18.3758% | 2,124 |
| Total risk-based capital ratio | 19.1446% | 2,241 |
| Memoranda: | ||
| Average total assets | $795,371,800 | 834 |
| Average earning assets | $751,569,200 | 805 |
| Average equity | $92,750,200 | 756 |
| Average total loans | $637,272,400 | 656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,524 |
| Cost of funding earning assets | 1.2864% | 134 |
| Net interest margin | 2.8747% | 5,867 |
| Noninterest income to average assets | 0.4401% | 4,220 |
| Noninterest expense to average assets | 2.4848% | 4,775 |
| Loan and lease loss provision to assets | 0.0831% | 3,407 |
| Net operating income to assets | 0.4331% | 5,099 |
| Return on assets (ROA) | 0.6375% | 4,299 |
| Pretax return on assets | 0.8645% | 4,029 |
| Return on Equity (ROE) | 5.5647% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.5647% | 2,682 |
| Net charge-offs to loans | 0.0663% | 3,970 |
| Credit loss provision to net charge-offs | 156.6456% | 1,508 |
| Earnings coverage of net charge-offs (x) | 12.6552% | 2,112 |
| Efficiency ratio | 78.7265% | 2,305 |
| Assets per employee ($millions) | 7.1341% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6076% | 6,550 |
| Loan loss allowance to noncurrent loans | 56.4374% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 3,834 |
| Noncurrent loans to loans | 1.0765% | 3,646 |
| Net loans and leases to total assets | 79.7860% | 571 |
| Net loans and leases to deposits | 118.1243% | 80 |
| Net loans and leases to core deposits | 130.4462% | 186 |
| Total domestic deposits to total assets | 67.5441% | 6,673 |
| Equity capital to assets | 11.6615% | 2,160 |
| Core capital (leverage) ratio | 12.0694% | 1,629 |
| Tier 1 risk-based capital ratio | 18.1882% | 2,250 |
| Total risk-based capital ratio | 18.9380% | 2,409 |
| Memoranda: | ||
| Average total assets | $794,085,750 | 842 |
| Average earning assets | $750,299,250 | 812 |
| Average equity | $90,976,500 | 779 |
| Average total loans | $635,841,250 | 665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,519 |
| Cost of funding earning assets | 1.3168% | 130 |
| Net interest margin | 2.8382% | 5,927 |
| Noninterest income to average assets | 0.4467% | 4,187 |
| Noninterest expense to average assets | 2.4527% | 4,888 |
| Loan and lease loss provision to assets | 0.0833% | 3,409 |
| Net operating income to assets | 0.4087% | 5,184 |
| Return on assets (ROA) | 0.6628% | 4,155 |
| Pretax return on assets | 0.9603% | 3,678 |
| Return on Equity (ROE) | 5.8199% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.8199% | 2,542 |
| Net charge-offs to loans | 0.0445% | 4,058 |
| Credit loss provision to net charge-offs | 234.0426% | 1,060 |
| Earnings coverage of net charge-offs (x) | 18.9787% | 1,528 |
| Efficiency ratio | 78.4089% | 2,392 |
| Assets per employee ($millions) | 7.2597% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 6,601 |
| Loan loss allowance to noncurrent loans | 55.9502% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9425% | 3,902 |
| Noncurrent loans to loans | 1.0921% | 3,748 |
| Net loans and leases to total assets | 81.0509% | 435 |
| Net loans and leases to deposits | 117.2850% | 79 |
| Net loans and leases to core deposits | 129.4835% | 193 |
| Total domestic deposits to total assets | 69.1059% | 6,684 |
| Equity capital to assets | 11.6380% | 2,180 |
| Core capital (leverage) ratio | 11.9983% | 1,613 |
| Tier 1 risk-based capital ratio | 18.1372% | 2,275 |
| Total risk-based capital ratio | 18.8962% | 2,425 |
| Memoranda: | ||
| Average total assets | $792,441,330 | 846 |
| Average earning assets | $748,651,670 | 812 |
| Average equity | $90,242,670 | 784 |
| Average total loans | $633,987,670 | 662 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,575 |
| Cost of funding earning assets | 1.3504% | 124 |
| Net interest margin | 2.7843% | 6,060 |
| Noninterest income to average assets | 0.3957% | 4,493 |
| Noninterest expense to average assets | 2.5095% | 4,719 |
| Loan and lease loss provision to assets | 0.0828% | 3,269 |
| Net operating income to assets | 0.2996% | 5,566 |
| Return on assets (ROA) | 0.5910% | 4,413 |
| Pretax return on assets | 0.8561% | 3,931 |
| Return on Equity (ROE) | 5.2462% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.2462% | 3,082 |
| Net charge-offs to loans | 0.0234% | 3,710 |
| Credit loss provision to net charge-offs | 445.9459% | 597 |
| Earnings coverage of net charge-offs (x) | 27.8108% | 1,006 |
| Efficiency ratio | 82.9268% | 1,898 |
| Assets per employee ($millions) | 7.8981% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6098% | 6,695 |
| Loan loss allowance to noncurrent loans | 57.1556% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 4,082 |
| Noncurrent loans to loans | 1.0670% | 4,010 |
| Net loans and leases to total assets | 79.3635% | 484 |
| Net loans and leases to deposits | 114.3456% | 93 |
| Net loans and leases to core deposits | 125.9124% | 205 |
| Total domestic deposits to total assets | 69.4067% | 6,773 |
| Equity capital to assets | 11.5068% | 2,405 |
| Core capital (leverage) ratio | 11.7161% | 1,736 |
| Tier 1 risk-based capital ratio | 18.3464% | 2,246 |
| Total risk-based capital ratio | 19.1141% | 2,384 |
| Memoranda: | ||
| Average total assets | $796,640,000 | 842 |
| Average earning assets | $752,640,500 | 816 |
| Average equity | $89,740,500 | 794 |
| Average total loans | $631,290,500 | 664 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 3,903 |
| Cost of funding earning assets | 1.6054% | 105 |
| Net interest margin | 2.7736% | 6,416 |
| Noninterest income to average assets | 0.4014% | 4,598 |
| Noninterest expense to average assets | 2.1073% | 6,110 |
| Loan and lease loss provision to assets | 0.0864% | 4,618 |
| Net operating income to assets | 0.5895% | 4,287 |
| Return on assets (ROA) | 0.6334% | 4,340 |
| Pretax return on assets | 0.8899% | 3,958 |
| Return on Equity (ROE) | 5.8738% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.8738% | 2,154 |
| Net charge-offs to loans | 0.0789% | 4,882 |
| Credit loss provision to net charge-offs | 138.0762% | 1,996 |
| Earnings coverage of net charge-offs (x) | 14.6172% | 1,720 |
| Efficiency ratio | 69.7382% | 3,862 |
| Assets per employee ($millions) | 7.9551% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 6,772 |
| Loan loss allowance to noncurrent loans | 58.6648% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 4,299 |
| Noncurrent loans to loans | 1.0027% | 4,186 |
| Net loans and leases to total assets | 78.1855% | 650 |
| Net loans and leases to deposits | 115.0336% | 100 |
| Net loans and leases to core deposits | 127.0402% | 210 |
| Total domestic deposits to total assets | 67.9675% | 6,862 |
| Equity capital to assets | 11.0271% | 2,919 |
| Core capital (leverage) ratio | 11.3820% | 1,951 |
| Tier 1 risk-based capital ratio | 18.0503% | 2,243 |
| Total risk-based capital ratio | 18.7898% | 2,414 |
| Memoranda: | ||
| Average total assets | $797,640,000 | 828 |
| Average earning assets | $753,573,600 | 791 |
| Average equity | $86,009,200 | 811 |
| Average total loans | $632,284,400 | 655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 3,958 |
| Cost of funding earning assets | 1.6276% | 112 |
| Net interest margin | 2.7933% | 6,509 |
| Noninterest income to average assets | 0.4131% | 4,531 |
| Noninterest expense to average assets | 2.0887% | 6,188 |
| Loan and lease loss provision to assets | 0.0683% | 4,823 |
| Net operating income to assets | 0.6089% | 4,351 |
| Return on assets (ROA) | 0.6603% | 4,357 |
| Pretax return on assets | 0.9704% | 3,820 |
| Return on Equity (ROE) | 6.1587% | 4,257 |
| Retained earnings to average equity (ytd only) | 6.1587% | 2,594 |
| Net charge-offs to loans | 0.0902% | 4,475 |
| Credit loss provision to net charge-offs | 95.3271% | 3,135 |
| Earnings coverage of net charge-offs (x) | 13.4393% | 1,909 |
| Efficiency ratio | 68.4390% | 3,970 |
| Assets per employee ($millions) | 8.0331% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 6,913 |
| Loan loss allowance to noncurrent loans | 58.1978% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,642 |
| Noncurrent loans to loans | 0.9547% | 4,524 |
| Net loans and leases to total assets | 78.9295% | 618 |
| Net loans and leases to deposits | 116.5039% | 95 |
| Net loans and leases to core deposits | 128.8086% | 203 |
| Total domestic deposits to total assets | 67.7484% | 6,936 |
| Equity capital to assets | 11.0842% | 3,174 |
| Core capital (leverage) ratio | 11.2888% | 2,151 |
| Tier 1 risk-based capital ratio | 17.9252% | 2,383 |
| Total risk-based capital ratio | 18.6266% | 2,548 |
| Memoranda: | ||
| Average total assets | $796,182,750 | 837 |
| Average earning assets | $752,174,500 | 801 |
| Average equity | $85,361,750 | 821 |
| Average total loans | $632,377,250 | 657 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 3,986 |
| Cost of funding earning assets | 1.6377% | 129 |
| Net interest margin | 2.8102% | 6,559 |
| Noninterest income to average assets | 0.4148% | 4,547 |
| Noninterest expense to average assets | 2.0761% | 6,269 |
| Loan and lease loss provision to assets | 0.0633% | 4,860 |
| Net operating income to assets | 0.6334% | 4,206 |
| Return on assets (ROA) | 0.6956% | 4,155 |
| Pretax return on assets | 1.0215% | 3,625 |
| Return on Equity (ROE) | 6.5615% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.5615% | 2,351 |
| Net charge-offs to loans | 0.1296% | 3,892 |
| Credit loss provision to net charge-offs | 61.4634% | 3,762 |
| Earnings coverage of net charge-offs (x) | 9.6488% | 2,147 |
| Efficiency ratio | 67.6374% | 4,200 |
| Assets per employee ($millions) | 8.1350% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 6,999 |
| Loan loss allowance to noncurrent loans | 53.4338% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 4,667 |
| Noncurrent loans to loans | 0.9986% | 4,506 |
| Net loans and leases to total assets | 78.7772% | 638 |
| Net loans and leases to deposits | 118.5279% | 78 |
| Net loans and leases to core deposits | 131.0416% | 206 |
| Total domestic deposits to total assets | 66.4630% | 7,037 |
| Equity capital to assets | 10.7854% | 3,357 |
| Core capital (leverage) ratio | 11.1663% | 2,153 |
| Tier 1 risk-based capital ratio | 17.6372% | 2,420 |
| Total risk-based capital ratio | 18.3095% | 2,601 |
| Memoranda: | ||
| Average total assets | $796,484,000 | 834 |
| Average earning assets | $752,401,670 | 799 |
| Average equity | $84,432,330 | 822 |
| Average total loans | $632,764,000 | 661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 3,926 |
| Cost of funding earning assets | 1.6561% | 147 |
| Net interest margin | 2.8402% | 6,569 |
| Noninterest income to average assets | 0.3793% | 4,830 |
| Noninterest expense to average assets | 2.0806% | 6,307 |
| Loan and lease loss provision to assets | 0.0633% | 4,631 |
| Net operating income to assets | 0.6240% | 4,240 |
| Return on assets (ROA) | 0.6763% | 4,214 |
| Pretax return on assets | 0.9938% | 3,697 |
| Return on Equity (ROE) | 6.4359% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.4359% | 2,723 |
| Net charge-offs to loans | 0.1945% | 2,952 |
| Credit loss provision to net charge-offs | 40.9091% | 3,438 |
| Earnings coverage of net charge-offs (x) | 6.3344% | 2,226 |
| Efficiency ratio | 67.9744% | 4,176 |
| Assets per employee ($millions) | 8.3873% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5327% | 7,044 |
| Loan loss allowance to noncurrent loans | 50.4753% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8597% | 4,804 |
| Noncurrent loans to loans | 1.0554% | 4,589 |
| Net loans and leases to total assets | 78.3853% | 548 |
| Net loans and leases to deposits | 116.6603% | 88 |
| Net loans and leases to core deposits | 128.4245% | 212 |
| Total domestic deposits to total assets | 67.1911% | 7,078 |
| Equity capital to assets | 10.6526% | 3,319 |
| Core capital (leverage) ratio | 11.0434% | 2,224 |
| Tier 1 risk-based capital ratio | 17.2678% | 2,572 |
| Total risk-based capital ratio | 17.9315% | 2,776 |
| Memoranda: | ||
| Average total assets | $796,109,500 | 831 |
| Average earning assets | $751,638,000 | 805 |
| Average equity | $83,656,000 | 824 |
| Average total loans | $633,442,500 | 656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 4,290 |
| Cost of funding earning assets | 1.8198% | 199 |
| Net interest margin | 2.8694% | 6,738 |
| Noninterest income to average assets | 0.2912% | 5,453 |
| Noninterest expense to average assets | 2.0636% | 6,558 |
| Loan and lease loss provision to assets | 0.1032% | 5,297 |
| Net operating income to assets | 0.5956% | 4,018 |
| Return on assets (ROA) | 0.6208% | 4,079 |
| Pretax return on assets | 0.8611% | 3,737 |
| Return on Equity (ROE) | 6.0612% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.0612% | 1,986 |
| Net charge-offs to loans | 0.0917% | 5,423 |
| Credit loss provision to net charge-offs | 138.2253% | 2,143 |
| Earnings coverage of net charge-offs (x) | 12.4505% | 1,620 |
| Efficiency ratio | 68.9466% | 4,165 |
| Assets per employee ($millions) | 8.6459% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5520% | 7,063 |
| Loan loss allowance to noncurrent loans | 67.6837% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 5,260 |
| Noncurrent loans to loans | 0.8155% | 5,059 |
| Net loans and leases to total assets | 79.8873% | 506 |
| Net loans and leases to deposits | 120.7781% | 82 |
| Net loans and leases to core deposits | 133.5524% | 205 |
| Total domestic deposits to total assets | 66.1438% | 7,125 |
| Equity capital to assets | 10.3634% | 3,692 |
| Core capital (leverage) ratio | 10.7534% | 2,472 |
| Tier 1 risk-based capital ratio | 16.7979% | 2,691 |
| Total risk-based capital ratio | 17.4929% | 2,902 |
| Memoranda: | ||
| Average total assets | $785,000,600 | 838 |
| Average earning assets | $739,139,400 | 804 |
| Average equity | $80,396,600 | 831 |
| Average total loans | $638,855,200 | 643 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 4,425 |
| Cost of funding earning assets | 1.8418% | 219 |
| Net interest margin | 2.8657% | 6,807 |
| Noninterest income to average assets | 0.2906% | 5,531 |
| Noninterest expense to average assets | 2.0712% | 6,549 |
| Loan and lease loss provision to assets | 0.0997% | 5,209 |
| Net operating income to assets | 0.5546% | 4,300 |
| Return on assets (ROA) | 0.5649% | 4,416 |
| Pretax return on assets | 0.8325% | 4,008 |
| Return on Equity (ROE) | 5.5326% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.5326% | 2,842 |
| Net charge-offs to loans | 0.0326% | 5,692 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 34.4944% | 847 |
| Efficiency ratio | 69.3128% | 4,072 |
| Assets per employee ($millions) | 8.7587% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 7,106 |
| Loan loss allowance to noncurrent loans | 66.5418% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 5,388 |
| Noncurrent loans to loans | 0.8723% | 5,116 |
| Net loans and leases to total assets | 80.1808% | 503 |
| Net loans and leases to deposits | 120.6084% | 86 |
| Net loans and leases to core deposits | 134.1000% | 208 |
| Total domestic deposits to total assets | 66.4803% | 7,186 |
| Equity capital to assets | 10.1717% | 4,129 |
| Core capital (leverage) ratio | 10.6056% | 2,754 |
| Tier 1 risk-based capital ratio | 16.9355% | 2,665 |
| Total risk-based capital ratio | 17.7011% | 2,853 |
| Memoranda: | ||
| Average total assets | $782,394,000 | 846 |
| Average earning assets | $736,513,000 | 811 |
| Average equity | $79,887,500 | 844 |
| Average total loans | $638,826,000 | 653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 4,315 |
| Cost of funding earning assets | 1.8638% | 247 |
| Net interest margin | 2.8835% | 6,822 |
| Noninterest income to average assets | 0.2842% | 5,606 |
| Noninterest expense to average assets | 2.1060% | 6,578 |
| Loan and lease loss provision to assets | 0.1003% | 5,066 |
| Net operating income to assets | 0.5355% | 4,349 |
| Return on assets (ROA) | 0.5332% | 4,507 |
| Pretax return on assets | 0.7864% | 4,081 |
| Return on Equity (ROE) | 5.2156% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.2156% | 2,865 |
| Net charge-offs to loans | 0.0376% | 5,322 |
| Credit loss provision to net charge-offs | 325.0000% | 934 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 954 |
| Efficiency ratio | 70.2928% | 4,050 |
| Assets per employee ($millions) | 8.1288% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5588% | 7,187 |
| Loan loss allowance to noncurrent loans | 73.3019% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,625 |
| Noncurrent loans to loans | 0.7623% | 5,383 |
| Net loans and leases to total assets | 81.4612% | 415 |
| Net loans and leases to deposits | 121.3082% | 84 |
| Net loans and leases to core deposits | 135.4107% | 218 |
| Total domestic deposits to total assets | 67.1523% | 7,232 |
| Equity capital to assets | 10.3855% | 3,652 |
| Core capital (leverage) ratio | 10.6474% | 2,572 |
| Tier 1 risk-based capital ratio | 17.3256% | 2,403 |
| Total risk-based capital ratio | 18.0746% | 2,562 |
| Memoranda: | ||
| Average total assets | $777,511,330 | 861 |
| Average earning assets | $731,195,330 | 826 |
| Average equity | $79,492,330 | 849 |
| Average total loans | $637,499,330 | 670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 4,165 |
| Cost of funding earning assets | 1.8766% | 278 |
| Net interest margin | 2.9005% | 6,761 |
| Noninterest income to average assets | 0.2541% | 5,863 |
| Noninterest expense to average assets | 1.9843% | 6,850 |
| Loan and lease loss provision to assets | 0.1005% | 4,754 |
| Net operating income to assets | 0.6057% | 4,005 |
| Return on assets (ROA) | 0.5840% | 4,184 |
| Pretax return on assets | 0.8618% | 3,655 |
| Return on Equity (ROE) | 5.7574% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.7574% | 2,774 |
| Net charge-offs to loans | 0.0050% | 5,056 |
| Credit loss provision to net charge-offs | 2,437.5000% | 163 |
| Earnings coverage of net charge-offs (x) | 241.1250% | 127 |
| Efficiency ratio | 66.6205% | 4,922 |
| Assets per employee ($millions) | 8.7120% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5508% | 7,255 |
| Loan loss allowance to noncurrent loans | 94.5287% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 6,028 |
| Noncurrent loans to loans | 0.5827% | 5,862 |
| Net loans and leases to total assets | 81.2707% | 419 |
| Net loans and leases to deposits | 120.6036% | 87 |
| Net loans and leases to core deposits | 134.9605% | 230 |
| Total domestic deposits to total assets | 67.3866% | 7,287 |
| Equity capital to assets | 10.2623% | 3,455 |
| Core capital (leverage) ratio | 10.5539% | 2,555 |
| Tier 1 risk-based capital ratio | 16.9974% | 2,477 |
| Total risk-based capital ratio | 17.7254% | 2,647 |
| Memoranda: | ||
| Average total assets | $776,084,500 | 869 |
| Average earning assets | $728,973,500 | 840 |
| Average equity | $78,716,000 | 848 |
| Average total loans | $636,615,500 | 673 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 4,604 |
| Cost of funding earning assets | 2.1122% | 408 |
| Net interest margin | 2.8789% | 6,925 |
| Noninterest income to average assets | 0.2559% | 5,972 |
| Noninterest expense to average assets | 2.0108% | 7,002 |
| Loan and lease loss provision to assets | 0.1031% | 6,110 |
| Net operating income to assets | 0.5917% | 3,710 |
| Return on assets (ROA) | 0.6131% | 3,782 |
| Pretax return on assets | 0.8843% | 3,357 |
| Return on Equity (ROE) | 6.2233% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.2233% | 1,706 |
| Net charge-offs to loans | 0.0245% | 6,568 |
| Credit loss provision to net charge-offs | 506.5359% | 449 |
| Earnings coverage of net charge-offs (x) | 46.9935% | 493 |
| Efficiency ratio | 67.7680% | 4,607 |
| Assets per employee ($millions) | 8.7281% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 7,343 |
| Loan loss allowance to noncurrent loans | 79.1896% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 5,958 |
| Noncurrent loans to loans | 0.6521% | 5,754 |
| Net loans and leases to total assets | 81.9117% | 458 |
| Net loans and leases to deposits | 122.8056% | 104 |
| Net loans and leases to core deposits | 136.9302% | 252 |
| Total domestic deposits to total assets | 66.7003% | 7,369 |
| Equity capital to assets | 10.0233% | 3,719 |
| Core capital (leverage) ratio | 10.1363% | 2,941 |
| Tier 1 risk-based capital ratio | 16.4437% | 2,545 |
| Total risk-based capital ratio | 17.1257% | 2,766 |
| Memoranda: | ||
| Average total assets | $751,782,400 | 896 |
| Average earning assets | $708,012,800 | 870 |
| Average equity | $74,060,800 | 897 |
| Average total loans | $625,370,800 | 707 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 4,740 |
| Cost of funding earning assets | 2.1356% | 474 |
| Net interest margin | 2.8802% | 7,038 |
| Noninterest income to average assets | 0.2361% | 6,199 |
| Noninterest expense to average assets | 2.0379% | 6,984 |
| Loan and lease loss provision to assets | 0.0563% | 6,506 |
| Net operating income to assets | 0.5855% | 3,935 |
| Return on assets (ROA) | 0.5607% | 4,215 |
| Pretax return on assets | 0.8169% | 3,840 |
| Return on Equity (ROE) | 5.7172% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.7172% | 2,533 |
| Net charge-offs to loans | 0.0178% | 6,424 |
| Credit loss provision to net charge-offs | 379.5181% | 822 |
| Earnings coverage of net charge-offs (x) | 61.2552% | 478 |
| Efficiency ratio | 69.1486% | 4,236 |
| Assets per employee ($millions) | 8.8268% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4569% | 7,492 |
| Loan loss allowance to noncurrent loans | 112.7758% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 6,527 |
| Noncurrent loans to loans | 0.4051% | 6,390 |
| Net loans and leases to total assets | 81.7034% | 532 |
| Net loans and leases to deposits | 123.7402% | 95 |
| Net loans and leases to core deposits | 137.9298% | 282 |
| Total domestic deposits to total assets | 66.0282% | 7,469 |
| Equity capital to assets | 9.7132% | 4,528 |
| Core capital (leverage) ratio | 9.9963% | 3,260 |
| Tier 1 risk-based capital ratio | 16.2723% | 2,646 |
| Total risk-based capital ratio | 16.8870% | 2,896 |
| Memoranda: | ||
| Average total assets | $745,528,000 | 909 |
| Average earning assets | $701,734,250 | 880 |
| Average equity | $73,110,750 | 907 |
| Average total loans | $621,815,250 | 715 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 4,730 |
| Cost of funding earning assets | 2.1557% | 541 |
| Net interest margin | 2.8874% | 7,021 |
| Noninterest income to average assets | 0.2220% | 6,326 |
| Noninterest expense to average assets | 2.0318% | 7,046 |
| Loan and lease loss provision to assets | 0.0367% | 6,588 |
| Net operating income to assets | 0.5789% | 3,958 |
| Return on assets (ROA) | 0.5523% | 4,223 |
| Pretax return on assets | 0.8301% | 3,777 |
| Return on Equity (ROE) | 5.6130% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.6130% | 2,549 |
| Net charge-offs to loans | 0.0266% | 5,962 |
| Credit loss provision to net charge-offs | 164.6341% | 2,389 |
| Earnings coverage of net charge-offs (x) | 40.6341% | 719 |
| Efficiency ratio | 69.1481% | 4,349 |
| Assets per employee ($millions) | 7.9991% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4345% | 7,573 |
| Loan loss allowance to noncurrent loans | 132.4770% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,712 |
| Noncurrent loans to loans | 0.3280% | 6,572 |
| Net loans and leases to total assets | 82.4049% | 496 |
| Net loans and leases to deposits | 124.5558% | 94 |
| Net loans and leases to core deposits | 138.3748% | 303 |
| Total domestic deposits to total assets | 66.1590% | 7,524 |
| Equity capital to assets | 9.5895% | 4,565 |
| Core capital (leverage) ratio | 10.0603% | 3,102 |
| Tier 1 risk-based capital ratio | 16.1605% | 2,605 |
| Total risk-based capital ratio | 16.7515% | 2,858 |
| Memoranda: | ||
| Average total assets | $735,117,000 | 924 |
| Average earning assets | $691,551,000 | 898 |
| Average equity | $72,331,670 | 914 |
| Average total loans | $616,569,330 | 727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 4,602 |
| Cost of funding earning assets | 2.1822% | 628 |
| Net interest margin | 2.9035% | 7,016 |
| Noninterest income to average assets | 0.2159% | 6,417 |
| Noninterest expense to average assets | 2.0423% | 7,080 |
| Loan and lease loss provision to assets | 0.0332% | 6,345 |
| Net operating income to assets | 0.5725% | 4,021 |
| Return on assets (ROA) | 0.5706% | 4,173 |
| Pretax return on assets | 0.8667% | 3,597 |
| Return on Equity (ROE) | 5.7229% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.7229% | 2,752 |
| Net charge-offs to loans | 0.0341% | 5,098 |
| Credit loss provision to net charge-offs | 115.3846% | 3,014 |
| Earnings coverage of net charge-offs (x) | 31.3654% | 845 |
| Efficiency ratio | 69.3479% | 4,435 |
| Assets per employee ($millions) | 8.1429% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4374% | 7,661 |
| Loan loss allowance to noncurrent loans | 124.8375% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,698 |
| Noncurrent loans to loans | 0.3504% | 6,598 |
| Net loans and leases to total assets | 84.4553% | 334 |
| Net loans and leases to deposits | 128.3532% | 85 |
| Net loans and leases to core deposits | 141.3116% | 313 |
| Total domestic deposits to total assets | 65.7991% | 7,622 |
| Equity capital to assets | 10.0619% | 3,787 |
| Core capital (leverage) ratio | 10.4504% | 2,670 |
| Tier 1 risk-based capital ratio | 16.5051% | 2,445 |
| Total risk-based capital ratio | 17.0978% | 2,652 |
| Memoranda: | ||
| Average total assets | $722,718,000 | 951 |
| Average earning assets | $679,315,500 | 930 |
| Average equity | $72,061,500 | 919 |
| Average total loans | $610,384,000 | 753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 5,113 |
| Cost of funding earning assets | 2.5169% | 991 |
| Net interest margin | 2.7964% | 7,068 |
| Noninterest income to average assets | 0.1885% | 6,742 |
| Noninterest expense to average assets | 2.0826% | 7,218 |
| Loan and lease loss provision to assets | 0.0261% | 7,252 |
| Net operating income to assets | 0.4786% | 3,819 |
| Return on assets (ROA) | 0.3649% | 4,371 |
| Pretax return on assets | 0.5315% | 4,106 |
| Return on Equity (ROE) | 3.7479% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.7479% | 2,571 |
| Net charge-offs to loans | 0.0130% | 7,039 |
| Credit loss provision to net charge-offs | 236.8421% | 1,528 |
| Earnings coverage of net charge-offs (x) | 65.6447% | 414 |
| Efficiency ratio | 74.2463% | 3,846 |
| Assets per employee ($millions) | 8.1900% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4422% | 7,721 |
| Loan loss allowance to noncurrent loans | 105.5118% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 6,556 |
| Noncurrent loans to loans | 0.4191% | 6,436 |
| Net loans and leases to total assets | 83.7133% | 464 |
| Net loans and leases to deposits | 127.0621% | 110 |
| Net loans and leases to core deposits | 154.6460% | 418 |
| Total domestic deposits to total assets | 65.8837% | 7,645 |
| Equity capital to assets | 9.8794% | 3,912 |
| Core capital (leverage) ratio | 10.2728% | 2,808 |
| Tier 1 risk-based capital ratio | 16.2206% | 2,426 |
| Total risk-based capital ratio | 16.8138% | 2,638 |
| Memoranda: | ||
| Average total assets | $690,624,600 | 995 |
| Average earning assets | $646,196,600 | 966 |
| Average equity | $67,237,200 | 981 |
| Average total loans | $584,562,600 | 816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 5,162 |
| Cost of funding earning assets | 2.5732% | 1,098 |
| Net interest margin | 2.7795% | 7,089 |
| Noninterest income to average assets | 0.1739% | 6,970 |
| Noninterest expense to average assets | 2.0686% | 7,243 |
| Loan and lease loss provision to assets | 0.0088% | 7,237 |
| Net operating income to assets | 0.4738% | 4,104 |
| Return on assets (ROA) | 0.3224% | 4,815 |
| Pretax return on assets | 0.4720% | 4,612 |
| Return on Equity (ROE) | 3.3249% | 4,652 |
| Retained earnings to average equity (ytd only) | 3.3249% | 3,446 |
| Net charge-offs to loans | 0.0159% | 6,696 |
| Credit loss provision to net charge-offs | 65.2174% | 6,074 |
| Earnings coverage of net charge-offs (x) | 52.2161% | 605 |
| Efficiency ratio | 74.6285% | 3,759 |
| Assets per employee ($millions) | 8.4749% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4296% | 7,792 |
| Loan loss allowance to noncurrent loans | 103.7383% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 6,601 |
| Noncurrent loans to loans | 0.4141% | 6,509 |
| Net loans and leases to total assets | 84.1234% | 527 |
| Net loans and leases to deposits | 132.2877% | 96 |
| Net loans and leases to core deposits | 163.3290% | 338 |
| Total domestic deposits to total assets | 63.5913% | 7,782 |
| Equity capital to assets | 9.8834% | 4,231 |
| Core capital (leverage) ratio | 10.4546% | 2,828 |
| Tier 1 risk-based capital ratio | 16.1526% | 2,579 |
| Total risk-based capital ratio | 16.7262% | 2,778 |
| Memoranda: | ||
| Average total assets | $683,100,500 | 1,015 |
| Average earning assets | $638,466,750 | 990 |
| Average equity | $66,245,750 | 1,012 |
| Average total loans | $579,198,500 | 838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 5,134 |
| Cost of funding earning assets | 2.6450% | 1,173 |
| Net interest margin | 2.7588% | 7,090 |
| Noninterest income to average assets | 0.1964% | 6,890 |
| Noninterest expense to average assets | 2.0180% | 7,432 |
| Loan and lease loss provision to assets | 0.0044% | 7,138 |
| Net operating income to assets | 0.4833% | 4,155 |
| Return on assets (ROA) | 0.4856% | 4,260 |
| Pretax return on assets | 0.7502% | 3,828 |
| Return on Equity (ROE) | 5.0404% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.0404% | 2,482 |
| Net charge-offs to loans | 0.0240% | 6,152 |
| Credit loss provision to net charge-offs | 21.7391% | 6,109 |
| Earnings coverage of net charge-offs (x) | 36.8116% | 861 |
| Efficiency ratio | 72.8748% | 4,235 |
| Assets per employee ($millions) | 8.6631% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4363% | 7,862 |
| Loan loss allowance to noncurrent loans | 121.1816% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 6,501 |
| Noncurrent loans to loans | 0.3600% | 6,609 |
| Net loans and leases to total assets | 84.1328% | 615 |
| Net loans and leases to deposits | 133.2043% | 100 |
| Net loans and leases to core deposits | 165.9470% | 371 |
| Total domestic deposits to total assets | 63.1607% | 7,861 |
| Equity capital to assets | 9.8054% | 4,208 |
| Core capital (leverage) ratio | 10.2962% | 3,001 |
| Tier 1 risk-based capital ratio | 15.7589% | 2,708 |
| Total risk-based capital ratio | 16.3277% | 2,919 |
| Memoranda: | ||
| Average total assets | $676,329,330 | 1,040 |
| Average earning assets | $630,711,330 | 1,023 |
| Average equity | $65,154,000 | 1,038 |
| Average total loans | $574,168,330 | 868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 5,123 |
| Cost of funding earning assets | 2.7236% | 1,195 |
| Net interest margin | 2.7351% | 7,132 |
| Noninterest income to average assets | 0.2261% | 6,655 |
| Noninterest expense to average assets | 1.8266% | 7,666 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6130% | 3,962 |
| Return on assets (ROA) | 0.6110% | 4,164 |
| Pretax return on assets | 0.9377% | 3,575 |
| Return on Equity (ROE) | 6.4010% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.4010% | 2,462 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0073% | 5,331 |
| Assets per employee ($millions) | 8.6231% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4503% | 7,893 |
| Loan loss allowance to noncurrent loans | 109.1949% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 6,278 |
| Noncurrent loans to loans | 0.4124% | 6,392 |
| Net loans and leases to total assets | 84.6998% | 593 |
| Net loans and leases to deposits | 136.0135% | 107 |
| Net loans and leases to core deposits | 169.0889% | 361 |
| Total domestic deposits to total assets | 62.2731% | 7,901 |
| Equity capital to assets | 9.5888% | 4,545 |
| Core capital (leverage) ratio | 10.1853% | 3,207 |
| Tier 1 risk-based capital ratio | 15.3788% | 2,904 |
| Total risk-based capital ratio | 15.9607% | 3,130 |
| Memoranda: | ||
| Average total assets | $672,301,000 | 1,047 |
| Average earning assets | $624,611,500 | 1,029 |
| Average equity | $64,177,500 | 1,061 |
| Average total loans | $572,094,500 | 870 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 5,847 |
| Cost of funding earning assets | 3.2000% | 1,193 |
| Net interest margin | 2.7410% | 7,427 |
| Noninterest income to average assets | 0.2835% | 6,441 |
| Noninterest expense to average assets | 1.7619% | 7,797 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1014% | 2,141 |
| Return on assets (ROA) | 0.0276% | 6,142 |
| Pretax return on assets | 0.0038% | 6,147 |
| Return on Equity (ROE) | 0.2600% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.2600% | 5,084 |
| Net charge-offs to loans | 0.0298% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 43.0429% | 858 |
| Efficiency ratio | 62.0511% | 5,944 |
| Assets per employee ($millions) | 8.6154% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 7,917 |
| Loan loss allowance to noncurrent loans | 144.9634% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 6,323 |
| Noncurrent loans to loans | 0.3107% | 6,448 |
| Net loans and leases to total assets | 84.7237% | 781 |
| Net loans and leases to deposits | 139.7162% | 108 |
| Net loans and leases to core deposits | 171.4636% | 379 |
| Total domestic deposits to total assets | 60.6398% | 7,941 |
| Equity capital to assets | 9.5031% | 4,691 |
| Core capital (leverage) ratio | 10.1717% | 3,300 |
| Tier 1 risk-based capital ratio | 15.0686% | 3,008 |
| Total risk-based capital ratio | 15.6440% | 3,264 |
| Memoranda: | ||
| Average total assets | $651,106,600 | 1,029 |
| Average earning assets | $607,157,400 | 1,002 |
| Average equity | $69,233,000 | 969 |
| Average total loans | $547,324,200 | 869 |