Home > The Torrington Savings Bank > Performance and Condition Ratios
The Torrington 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 | 3.9300% | 4,051 |
| Cost of funding earning assets | 0.9091% | 3,505 |
| Net interest margin | 3.0210% | 3,234 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.6102% | 1,974 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5537% | 3,557 |
| Return on assets (ROA) | 0.2956% | 4,032 |
| Pretax return on assets | 0.3323% | 4,059 |
| Return on Equity (ROE) | 1.5800% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.5791% | 3,685 |
| Net charge-offs to loans | 0.0365% | 1,577 |
| Credit loss provision to net charge-offs | 114.9780% | 1,716 |
| Earnings coverage of net charge-offs (x) | 27.1586% | 1,692 |
| Efficiency ratio | 79.4012% | 955 |
| Assets per employee ($millions) | 7.0554% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 3,936 |
| Loan loss allowance to noncurrent loans | 316.9240% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,309 |
| Noncurrent loans to loans | 0.2563% | 2,264 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 88.8082% | 1,361 |
| Net loans and leases to core deposits | 93.4881% | 1,804 |
| Total domestic deposits to total assets | 80.0100% | 3,461 |
| Equity capital to assets | 19.0466% | 313 |
| Core capital (leverage) ratio | 19.8197% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $910,412,400 | 1,071 |
| Average earning assets | $837,018,800 | 1,074 |
| Average equity | $170,413,800 | 614 |
| Average total loans | $621,148,400 | 1,065 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 4,036 |
| Cost of funding earning assets | 0.7357% | 3,689 |
| Net interest margin | 3.1383% | 3,059 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.5851% | 1,984 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6154% | 3,505 |
| Return on assets (ROA) | -0.0908% | 4,455 |
| Pretax return on assets | -0.1558% | 4,464 |
| Return on Equity (ROE) | -0.4900% | 4,412 |
| Retained earnings to average equity (ytd only) | -0.4867% | 4,209 |
| Net charge-offs to loans | 0.0091% | 2,065 |
| Credit loss provision to net charge-offs | -954.7619% | 4,596 |
| Earnings coverage of net charge-offs (x) | 128.7381% | 810 |
| Efficiency ratio | 76.5219% | 1,129 |
| Assets per employee ($millions) | 6.8875% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 3,948 |
| Loan loss allowance to noncurrent loans | 345.8895% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,488 |
| Noncurrent loans to loans | 0.2369% | 2,403 |
| Net loans and leases to total assets | 68.3500% | 2,009 |
| Net loans and leases to deposits | 86.0308% | 1,571 |
| Net loans and leases to core deposits | 90.2082% | 1,919 |
| Total domestic deposits to total assets | 79.4400% | 3,614 |
| Equity capital to assets | 18.5371% | 327 |
| Core capital (leverage) ratio | 19.6905% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $908,935,750 | 1,078 |
| Average earning assets | $835,621,500 | 1,079 |
| Average equity | $169,563,750 | 613 |
| Average total loans | $612,177,500 | 1,075 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,984 |
| Cost of funding earning assets | 0.5736% | 3,819 |
| Net interest margin | 3.2559% | 2,854 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.6002% | 1,930 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6875% | 3,367 |
| Return on assets (ROA) | -0.2885% | 4,535 |
| Pretax return on assets | -0.4056% | 4,540 |
| Return on Equity (ROE) | -1.5400% | 4,486 |
| Retained earnings to average equity (ytd only) | -1.5432% | 4,258 |
| Net charge-offs to loans | 0.0069% | 1,981 |
| Credit loss provision to net charge-offs | -2,576.1905% | 4,649 |
| Earnings coverage of net charge-offs (x) | 191.4762% | 629 |
| Efficiency ratio | 74.6101% | 1,293 |
| Assets per employee ($millions) | 7.1273% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,001 |
| Loan loss allowance to noncurrent loans | 348.4364% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 2,436 |
| Noncurrent loans to loans | 0.2320% | 2,335 |
| Net loans and leases to total assets | 67.9700% | 1,961 |
| Net loans and leases to deposits | 84.4424% | 1,631 |
| Net loans and leases to core deposits | 87.7346% | 1,945 |
| Total domestic deposits to total assets | 80.5000% | 3,504 |
| Equity capital to assets | 18.6394% | 320 |
| Core capital (leverage) ratio | 19.6458% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $908,862,333 | 1,070 |
| Average earning assets | $836,092,667 | 1,072 |
| Average equity | $169,908,000 | 607 |
| Average total loans | $607,402,333 | 1,069 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 3,961 |
| Cost of funding earning assets | 0.3983% | 3,971 |
| Net interest margin | 3.3451% | 2,764 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.6476% | 1,817 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6987% | 3,471 |
| Return on assets (ROA) | -0.6681% | 4,592 |
| Pretax return on assets | -0.8841% | 4,598 |
| Return on Equity (ROE) | -3.5700% | 4,532 |
| Retained earnings to average equity (ytd only) | -3.5683% | 4,268 |
| Net charge-offs to loans | 0.0040% | 1,841 |
| Credit loss provision to net charge-offs | -8,516.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | 341.8333% | 329 |
| Efficiency ratio | 74.6132% | 1,281 |
| Assets per employee ($millions) | 7.2998% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 4,024 |
| Loan loss allowance to noncurrent loans | 297.0640% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 2,214 |
| Noncurrent loans to loans | 0.2807% | 2,137 |
| Net loans and leases to total assets | 65.9400% | 2,064 |
| Net loans and leases to deposits | 81.8244% | 1,669 |
| Net loans and leases to core deposits | 84.3776% | 1,963 |
| Total domestic deposits to total assets | 80.5900% | 3,694 |
| Equity capital to assets | 18.6663% | 277 |
| Core capital (leverage) ratio | 19.6674% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $910,708,000 | 1,086 |
| Average earning assets | $838,470,000 | 1,083 |
| Average equity | $170,503,000 | 612 |
| Average total loans | $600,963,000 | 1,091 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0094% | 4,122 |
| Cost of funding earning assets | 0.2104% | 3,673 |
| Net interest margin | 2.7990% | 3,897 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.2861% | 2,783 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6293% | 3,805 |
| Return on assets (ROA) | 0.3293% | 4,311 |
| Pretax return on assets | 0.3813% | 4,296 |
| Return on Equity (ROE) | 1.8200% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.8235% | 4,017 |
| Net charge-offs to loans | 0.0237% | 1,584 |
| Credit loss provision to net charge-offs | 159.2593% | 1,264 |
| Earnings coverage of net charge-offs (x) | 53.0963% | 1,318 |
| Efficiency ratio | 75.2272% | 1,098 |
| Assets per employee ($millions) | 7.5745% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,638 |
| Loan loss allowance to noncurrent loans | 305.5342% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 2,165 |
| Noncurrent loans to loans | 0.3066% | 2,044 |
| Net loans and leases to total assets | 64.8700% | 2,161 |
| Net loans and leases to deposits | 80.4851% | 1,737 |
| Net loans and leases to core deposits | 82.3491% | 1,985 |
| Total domestic deposits to total assets | 80.6000% | 3,805 |
| Equity capital to assets | 18.7779% | 260 |
| Core capital (leverage) ratio | 19.6479% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $952,148,000 | 1,030 |
| Average earning assets | $882,024,400 | 1,011 |
| Average equity | $171,920,400 | 605 |
| Average total loans | $569,855,200 | 1,073 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8517% | 4,124 |
| Cost of funding earning assets | 0.2089% | 3,165 |
| Net interest margin | 2.6429% | 4,040 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.2094% | 2,906 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5649% | 3,926 |
| Return on assets (ROA) | 0.0216% | 4,552 |
| Pretax return on assets | -0.0082% | 4,573 |
| Return on Equity (ROE) | 0.1200% | 4,554 |
| Retained earnings to average equity (ytd only) | 0.1208% | 4,318 |
| Net charge-offs to loans | 0.0116% | 1,684 |
| Credit loss provision to net charge-offs | 328.5714% | 772 |
| Earnings coverage of net charge-offs (x) | 103.4490% | 935 |
| Efficiency ratio | 75.8918% | 1,089 |
| Assets per employee ($millions) | 7.5433% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 3,673 |
| Loan loss allowance to noncurrent loans | 222.2751% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 1,860 |
| Noncurrent loans to loans | 0.4296% | 1,739 |
| Net loans and leases to total assets | 62.6900% | 2,220 |
| Net loans and leases to deposits | 77.1375% | 1,786 |
| Net loans and leases to core deposits | 78.9401% | 1,977 |
| Total domestic deposits to total assets | 81.2700% | 3,936 |
| Equity capital to assets | 18.0971% | 268 |
| Core capital (leverage) ratio | 18.0793% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $962,948,750 | 1,023 |
| Average earning assets | $893,093,250 | 1,012 |
| Average equity | $172,230,250 | 609 |
| Average total loans | $563,522,000 | 1,077 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6402% | 4,231 |
| Cost of funding earning assets | 0.2105% | 2,771 |
| Net interest margin | 2.4297% | 4,190 |
| Noninterest income to average assets | 0.4410% | 2,502 |
| Noninterest expense to average assets | 2.1696% | 2,945 |
| Loan and lease loss provision to assets | 0.0222% | 2,203 |
| Net operating income to assets | 0.4275% | 4,059 |
| Return on assets (ROA) | -0.3320% | 4,639 |
| Pretax return on assets | -0.4547% | 4,647 |
| Return on Equity (ROE) | -1.8633% | 4,610 |
| Retained earnings to average equity (ytd only) | -1.8633% | 4,372 |
| Net charge-offs to loans | 0.0036% | 1,913 |
| Credit loss provision to net charge-offs | 1,080.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 257.7000% | 457 |
| Efficiency ratio | 80.4030% | 915 |
| Assets per employee ($millions) | 8.1790% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,722 |
| Loan loss allowance to noncurrent loans | 185.9707% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 1,779 |
| Noncurrent loans to loans | 0.5220% | 1,579 |
| Net loans and leases to total assets | 58.1455% | 2,518 |
| Net loans and leases to deposits | 70.7852% | 2,129 |
| Net loans and leases to core deposits | 72.5361% | 2,279 |
| Total domestic deposits to total assets | 82.1437% | 3,988 |
| Equity capital to assets | 17.2967% | 261 |
| Core capital (leverage) ratio | 18.3547% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $974,657,667 | 998 |
| Average earning assets | $905,527,333 | 1,002 |
| Average equity | $173,670,667 | 608 |
| Average total loans | $555,606,333 | 1,082 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5354% | 4,221 |
| Cost of funding earning assets | 0.2176% | 2,559 |
| Net interest margin | 2.3177% | 4,207 |
| Noninterest income to average assets | 0.4287% | 2,504 |
| Noninterest expense to average assets | 2.1679% | 2,928 |
| Loan and lease loss provision to assets | 0.0222% | 1,955 |
| Net operating income to assets | 0.4090% | 3,935 |
| Return on assets (ROA) | 0.0647% | 4,480 |
| Pretax return on assets | 0.0478% | 4,489 |
| Return on Equity (ROE) | 0.3576% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.3576% | 3,946 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9553% | 854 |
| Assets per employee ($millions) | 8.2127% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,762 |
| Loan loss allowance to noncurrent loans | 155.0279% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,637 |
| Noncurrent loans to loans | 0.6405% | 1,472 |
| Net loans and leases to total assets | 57.1052% | 2,405 |
| Net loans and leases to deposits | 70.0457% | 1,961 |
| Net loans and leases to core deposits | 71.9973% | 2,113 |
| Total domestic deposits to total assets | 81.5256% | 4,145 |
| Equity capital to assets | 17.9398% | 229 |
| Core capital (leverage) ratio | 18.5255% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $971,244,500 | 1,008 |
| Average earning assets | $902,431,000 | 1,013 |
| Average equity | $175,624,000 | 617 |
| Average total loans | $545,268,000 | 1,090 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5980% | 4,409 |
| Cost of funding earning assets | 0.3437% | 1,999 |
| Net interest margin | 2.2543% | 4,453 |
| Noninterest income to average assets | 0.4151% | 2,974 |
| Noninterest expense to average assets | 2.1816% | 3,142 |
| Loan and lease loss provision to assets | 0.0229% | 2,607 |
| Net operating income to assets | 0.2425% | 4,490 |
| Return on assets (ROA) | 0.7454% | 3,567 |
| Pretax return on assets | 0.9077% | 3,493 |
| Return on Equity (ROE) | 3.9963% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.9963% | 3,221 |
| Net charge-offs to loans | 0.0010% | 2,648 |
| Credit loss provision to net charge-offs | 4,300.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 596.6000% | 241 |
| Efficiency ratio | 87.3085% | 415 |
| Assets per employee ($millions) | 8.2491% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,619 |
| Loan loss allowance to noncurrent loans | 160.7958% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 1,820 |
| Noncurrent loans to loans | 0.6430% | 1,552 |
| Net loans and leases to total assets | 54.0466% | 2,847 |
| Net loans and leases to deposits | 66.5586% | 2,459 |
| Net loans and leases to core deposits | 68.4535% | 2,609 |
| Total domestic deposits to total assets | 81.2015% | 4,079 |
| Equity capital to assets | 18.2243% | 249 |
| Core capital (leverage) ratio | 18.4184% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7946% | 103 |
| Memoranda: | ||
| Average total assets | $940,642,000 | 1,003 |
| Average earning assets | $869,413,400 | 1,010 |
| Average equity | $175,460,200 | 615 |
| Average total loans | $522,765,800 | 1,126 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6416% | 4,467 |
| Cost of funding earning assets | 0.3716% | 1,923 |
| Net interest margin | 2.2699% | 4,512 |
| Noninterest income to average assets | 0.3924% | 3,137 |
| Noninterest expense to average assets | 2.1698% | 3,168 |
| Loan and lease loss provision to assets | 0.0308% | 2,379 |
| Net operating income to assets | 0.2333% | 4,593 |
| Return on assets (ROA) | 0.8192% | 3,549 |
| Pretax return on assets | 1.0008% | 3,453 |
| Return on Equity (ROE) | 4.3654% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.3654% | 3,458 |
| Net charge-offs to loans | 0.0013% | 2,381 |
| Credit loss provision to net charge-offs | 4,300.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 443.4000% | 332 |
| Efficiency ratio | 87.2528% | 389 |
| Assets per employee ($millions) | 8.2574% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,594 |
| Loan loss allowance to noncurrent loans | 167.8681% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 2,103 |
| Noncurrent loans to loans | 0.6356% | 1,722 |
| Net loans and leases to total assets | 52.2983% | 3,174 |
| Net loans and leases to deposits | 64.2745% | 2,819 |
| Net loans and leases to core deposits | 66.0697% | 2,950 |
| Total domestic deposits to total assets | 81.3672% | 4,037 |
| Equity capital to assets | 18.1280% | 267 |
| Core capital (leverage) ratio | 18.3143% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5109% | 110 |
| Memoranda: | ||
| Average total assets | $932,455,000 | 1,024 |
| Average earning assets | $860,381,000 | 1,028 |
| Average equity | $174,976,750 | 627 |
| Average total loans | $520,562,250 | 1,148 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6509% | 4,501 |
| Cost of funding earning assets | 0.4062% | 1,835 |
| Net interest margin | 2.2447% | 4,564 |
| Noninterest income to average assets | 0.3891% | 3,161 |
| Noninterest expense to average assets | 2.1549% | 3,225 |
| Loan and lease loss provision to assets | 0.0468% | 2,084 |
| Net operating income to assets | 0.2137% | 4,618 |
| Return on assets (ROA) | 1.0182% | 2,908 |
| Pretax return on assets | 1.2525% | 2,759 |
| Return on Equity (ROE) | 5.3616% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.3616% | 3,048 |
| Net charge-offs to loans | 0.0019% | 2,142 |
| Credit loss provision to net charge-offs | 4,300.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 281.2000% | 389 |
| Efficiency ratio | 87.5597% | 415 |
| Assets per employee ($millions) | 7.6983% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,614 |
| Loan loss allowance to noncurrent loans | 162.2196% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 2,169 |
| Noncurrent loans to loans | 0.6484% | 1,794 |
| Net loans and leases to total assets | 54.6038% | 3,062 |
| Net loans and leases to deposits | 67.4922% | 2,674 |
| Net loans and leases to core deposits | 69.8319% | 2,802 |
| Total domestic deposits to total assets | 80.9038% | 4,099 |
| Equity capital to assets | 18.5837% | 249 |
| Core capital (leverage) ratio | 18.7935% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1746% | 104 |
| Memoranda: | ||
| Average total assets | $918,480,333 | 1,031 |
| Average earning assets | $847,785,000 | 1,038 |
| Average equity | $174,424,000 | 624 |
| Average total loans | $522,389,667 | 1,147 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7549% | 4,422 |
| Cost of funding earning assets | 0.4356% | 1,830 |
| Net interest margin | 2.3193% | 4,506 |
| Noninterest income to average assets | 0.3950% | 3,113 |
| Noninterest expense to average assets | 2.1166% | 3,375 |
| Loan and lease loss provision to assets | 0.0553% | 2,004 |
| Net operating income to assets | 0.2967% | 4,522 |
| Return on assets (ROA) | 2.0038% | 612 |
| Pretax return on assets | 2.5001% | 439 |
| Return on Equity (ROE) | 10.4347% | 2,555 |
| Retained earnings to average equity (ytd only) | 10.4347% | 1,539 |
| Net charge-offs to loans | 0.0046% | 1,746 |
| Credit loss provision to net charge-offs | 2,083.3333% | 241 |
| Earnings coverage of net charge-offs (x) | 158.8333% | 469 |
| Efficiency ratio | 83.3914% | 627 |
| Assets per employee ($millions) | 7.7470% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,652 |
| Loan loss allowance to noncurrent loans | 140.4261% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 2,137 |
| Noncurrent loans to loans | 0.7468% | 1,743 |
| Net loans and leases to total assets | 55.7866% | 3,069 |
| Net loans and leases to deposits | 70.0943% | 2,495 |
| Net loans and leases to core deposits | 72.7639% | 2,636 |
| Total domestic deposits to total assets | 79.5878% | 4,255 |
| Equity capital to assets | 19.2478% | 211 |
| Core capital (leverage) ratio | 19.7419% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0543% | 99 |
| Memoranda: | ||
| Average total assets | $904,274,500 | 1,032 |
| Average earning assets | $835,607,500 | 1,040 |
| Average equity | $173,652,000 | 622 |
| Average total loans | $522,317,000 | 1,151 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 4,459 |
| Cost of funding earning assets | 0.6619% | 1,918 |
| Net interest margin | 2.5311% | 4,559 |
| Noninterest income to average assets | 0.3975% | 3,104 |
| Noninterest expense to average assets | 2.1609% | 3,781 |
| Loan and lease loss provision to assets | 0.0658% | 3,556 |
| Net operating income to assets | 0.3986% | 4,247 |
| Return on assets (ROA) | 0.0202% | 4,757 |
| Pretax return on assets | -0.0142% | 4,771 |
| Return on Equity (ROE) | 0.1027% | 4,763 |
| Retained earnings to average equity (ytd only) | 0.1027% | 4,490 |
| Net charge-offs to loans | 0.0035% | 3,249 |
| Credit loss provision to net charge-offs | 2,957.8947% | 336 |
| Earnings coverage of net charge-offs (x) | 238.6316% | 418 |
| Efficiency ratio | 80.2895% | 866 |
| Assets per employee ($millions) | 7.8454% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,873 |
| Loan loss allowance to noncurrent loans | 132.8474% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,249 |
| Noncurrent loans to loans | 0.7518% | 1,818 |
| Net loans and leases to total assets | 58.5852% | 3,028 |
| Net loans and leases to deposits | 73.5209% | 2,534 |
| Net loans and leases to core deposits | 76.4836% | 2,680 |
| Total domestic deposits to total assets | 79.6851% | 4,106 |
| Equity capital to assets | 19.1805% | 223 |
| Core capital (leverage) ratio | 19.6626% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2659% | 103 |
| Memoranda: | ||
| Average total assets | $854,674,600 | 1,003 |
| Average earning assets | $774,594,000 | 1,016 |
| Average equity | $168,447,400 | 605 |
| Average total loans | $538,369,600 | 1,078 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 4,465 |
| Cost of funding earning assets | 0.7208% | 1,901 |
| Net interest margin | 2.5827% | 4,587 |
| Noninterest income to average assets | 0.4004% | 3,077 |
| Noninterest expense to average assets | 2.1596% | 3,781 |
| Loan and lease loss provision to assets | 0.0652% | 3,523 |
| Net operating income to assets | 0.4297% | 4,206 |
| Return on assets (ROA) | -0.7398% | 4,928 |
| Pretax return on assets | -0.9764% | 4,942 |
| Return on Equity (ROE) | -3.7270% | 4,896 |
| Retained earnings to average equity (ytd only) | -3.7270% | 4,804 |
| Net charge-offs to loans | 0.0084% | 2,811 |
| Credit loss provision to net charge-offs | 1,214.7059% | 728 |
| Earnings coverage of net charge-offs (x) | 106.0588% | 759 |
| Efficiency ratio | 79.1428% | 928 |
| Assets per employee ($millions) | 7.5450% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 3,900 |
| Loan loss allowance to noncurrent loans | 167.6047% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 2,724 |
| Noncurrent loans to loans | 0.5649% | 2,385 |
| Net loans and leases to total assets | 62.2978% | 2,969 |
| Net loans and leases to deposits | 77.7881% | 2,552 |
| Net loans and leases to core deposits | 81.1011% | 2,743 |
| Total domestic deposits to total assets | 80.0866% | 3,845 |
| Equity capital to assets | 19.4273% | 228 |
| Core capital (leverage) ratio | 19.3105% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6082% | 123 |
| Memoranda: | ||
| Average total assets | $844,748,750 | 1,001 |
| Average earning assets | $761,564,000 | 1,016 |
| Average equity | $167,672,750 | 603 |
| Average total loans | $540,647,250 | 1,065 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 4,525 |
| Cost of funding earning assets | 0.7899% | 1,878 |
| Net interest margin | 2.6260% | 4,629 |
| Noninterest income to average assets | 0.4014% | 3,065 |
| Noninterest expense to average assets | 2.1481% | 3,932 |
| Loan and lease loss provision to assets | 0.0626% | 3,510 |
| Net operating income to assets | 0.4602% | 4,112 |
| Return on assets (ROA) | -1.1010% | 4,969 |
| Pretax return on assets | -1.4342% | 4,981 |
| Return on Equity (ROE) | -5.5068% | 4,934 |
| Retained earnings to average equity (ytd only) | -5.5068% | 4,793 |
| Net charge-offs to loans | 0.0074% | 2,687 |
| Credit loss provision to net charge-offs | 1,315.0000% | 663 |
| Earnings coverage of net charge-offs (x) | 126.9000% | 601 |
| Efficiency ratio | 78.0374% | 1,051 |
| Assets per employee ($millions) | 7.7817% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 3,989 |
| Loan loss allowance to noncurrent loans | 155.9099% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 2,815 |
| Noncurrent loans to loans | 0.5793% | 2,415 |
| Net loans and leases to total assets | 63.3363% | 2,956 |
| Net loans and leases to deposits | 79.0367% | 2,536 |
| Net loans and leases to core deposits | 82.0467% | 2,776 |
| Total domestic deposits to total assets | 80.1352% | 3,808 |
| Equity capital to assets | 19.3794% | 232 |
| Core capital (leverage) ratio | 19.6723% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2141% | 127 |
| Memoranda: | ||
| Average total assets | $839,623,000 | 994 |
| Average earning assets | $751,784,333 | 1,010 |
| Average equity | $167,864,000 | 597 |
| Average total loans | $540,542,333 | 1,052 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5451% | 4,590 |
| Cost of funding earning assets | 0.8717% | 2,005 |
| Net interest margin | 2.6734% | 4,690 |
| Noninterest income to average assets | 0.4036% | 3,069 |
| Noninterest expense to average assets | 2.1804% | 4,060 |
| Loan and lease loss provision to assets | 0.0541% | 3,090 |
| Net operating income to assets | 0.4921% | 3,913 |
| Return on assets (ROA) | -3.0316% | 5,064 |
| Pretax return on assets | -3.8779% | 5,068 |
| Return on Equity (ROE) | -14.9245% | 5,037 |
| Retained earnings to average equity (ytd only) | -14.9245% | 4,893 |
| Net charge-offs to loans | 0.0142% | 2,094 |
| Credit loss provision to net charge-offs | 589.4737% | 800 |
| Earnings coverage of net charge-offs (x) | 69.3158% | 733 |
| Efficiency ratio | 77.4022% | 1,412 |
| Assets per employee ($millions) | 7.3066% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,094 |
| Loan loss allowance to noncurrent loans | 165.2204% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 2,965 |
| Noncurrent loans to loans | 0.5465% | 2,630 |
| Net loans and leases to total assets | 64.2804% | 3,036 |
| Net loans and leases to deposits | 80.8423% | 2,596 |
| Net loans and leases to core deposits | 84.0713% | 2,846 |
| Total domestic deposits to total assets | 79.5134% | 3,955 |
| Equity capital to assets | 20.0275% | 243 |
| Core capital (leverage) ratio | 19.9556% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6727% | 136 |
| Memoranda: | ||
| Average total assets | $827,551,500 | 979 |
| Average earning assets | $747,054,000 | 992 |
| Average equity | $168,099,500 | 589 |
| Average total loans | $534,782,000 | 1,038 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,818 |
| Cost of funding earning assets | 0.9101% | 2,152 |
| Net interest margin | 2.6433% | 4,870 |
| Noninterest income to average assets | 0.4077% | 3,246 |
| Noninterest expense to average assets | 2.1506% | 4,266 |
| Loan and lease loss provision to assets | 0.0544% | 2,944 |
| Net operating income to assets | 0.5302% | 4,333 |
| Return on assets (ROA) | 0.9888% | 2,965 |
| Pretax return on assets | 1.2116% | 2,798 |
| Return on Equity (ROE) | 4.9155% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.9155% | 2,466 |
| Net charge-offs to loans | 0.0420% | 2,550 |
| Credit loss provision to net charge-offs | 206.4220% | 1,286 |
| Earnings coverage of net charge-offs (x) | 26.8303% | 1,687 |
| Efficiency ratio | 75.2695% | 1,452 |
| Assets per employee ($millions) | 7.2759% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 4,013 |
| Loan loss allowance to noncurrent loans | 142.6466% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 2,681 |
| Noncurrent loans to loans | 0.6227% | 2,331 |
| Net loans and leases to total assets | 63.8076% | 3,224 |
| Net loans and leases to deposits | 80.8384% | 2,677 |
| Net loans and leases to core deposits | 84.2390% | 2,926 |
| Total domestic deposits to total assets | 78.9323% | 4,200 |
| Equity capital to assets | 20.5969% | 225 |
| Core capital (leverage) ratio | 20.0903% | 236 |
| Tier 1 risk-based capital ratio | 38.5583% | 265 |
| Total risk-based capital ratio | 39.6658% | 261 |
| Memoranda: | ||
| Average total assets | $827,761,800 | 945 |
| Average earning assets | $767,081,600 | 942 |
| Average equity | $166,513,800 | 553 |
| Average total loans | $519,501,400 | 1,042 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 4,913 |
| Cost of funding earning assets | 0.9036% | 2,214 |
| Net interest margin | 2.6581% | 4,967 |
| Noninterest income to average assets | 0.4063% | 3,272 |
| Noninterest expense to average assets | 2.1252% | 4,318 |
| Loan and lease loss provision to assets | 0.0545% | 2,824 |
| Net operating income to assets | 0.5641% | 4,378 |
| Return on assets (ROA) | 0.9047% | 3,401 |
| Pretax return on assets | 1.1057% | 3,280 |
| Return on Equity (ROE) | 4.5246% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.5246% | 3,130 |
| Net charge-offs to loans | 0.0416% | 2,266 |
| Credit loss provision to net charge-offs | 209.9379% | 1,257 |
| Earnings coverage of net charge-offs (x) | 28.7020% | 1,676 |
| Efficiency ratio | 74.0510% | 1,559 |
| Assets per employee ($millions) | 7.3531% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 4,070 |
| Loan loss allowance to noncurrent loans | 145.9073% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 2,876 |
| Noncurrent loans to loans | 0.6126% | 2,446 |
| Net loans and leases to total assets | 63.1117% | 3,375 |
| Net loans and leases to deposits | 79.7874% | 2,923 |
| Net loans and leases to core deposits | 83.0629% | 3,177 |
| Total domestic deposits to total assets | 79.0998% | 4,170 |
| Equity capital to assets | 20.4778% | 239 |
| Core capital (leverage) ratio | 20.0052% | 248 |
| Tier 1 risk-based capital ratio | 39.2034% | 259 |
| Total risk-based capital ratio | 40.3241% | 259 |
| Memoranda: | ||
| Average total assets | $827,337,750 | 951 |
| Average earning assets | $766,798,000 | 947 |
| Average equity | $165,431,500 | 559 |
| Average total loans | $515,876,750 | 1,051 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 4,974 |
| Cost of funding earning assets | 0.8791% | 2,247 |
| Net interest margin | 2.6720% | 5,023 |
| Noninterest income to average assets | 0.4031% | 3,259 |
| Noninterest expense to average assets | 2.1050% | 4,410 |
| Loan and lease loss provision to assets | 0.0543% | 2,736 |
| Net operating income to assets | 0.5907% | 4,332 |
| Return on assets (ROA) | 1.0488% | 2,803 |
| Pretax return on assets | 1.2875% | 2,604 |
| Return on Equity (ROE) | 5.2872% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.2872% | 2,627 |
| Net charge-offs to loans | 0.0285% | 2,284 |
| Credit loss provision to net charge-offs | 308.2192% | 880 |
| Earnings coverage of net charge-offs (x) | 44.0548% | 1,188 |
| Efficiency ratio | 73.0586% | 1,767 |
| Assets per employee ($millions) | 7.4706% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 4,089 |
| Loan loss allowance to noncurrent loans | 141.2602% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 2,924 |
| Noncurrent loans to loans | 0.6374% | 2,346 |
| Net loans and leases to total assets | 61.3348% | 3,618 |
| Net loans and leases to deposits | 77.0192% | 3,245 |
| Net loans and leases to core deposits | 80.0060% | 3,420 |
| Total domestic deposits to total assets | 79.6358% | 4,107 |
| Equity capital to assets | 19.9844% | 249 |
| Core capital (leverage) ratio | 19.7020% | 247 |
| Tier 1 risk-based capital ratio | 39.3104% | 245 |
| Total risk-based capital ratio | 40.4363% | 245 |
| Memoranda: | ||
| Average total assets | $828,600,670 | 941 |
| Average earning assets | $768,493,670 | 938 |
| Average equity | $164,360,330 | 556 |
| Average total loans | $513,021,000 | 1,049 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 5,021 |
| Cost of funding earning assets | 0.8477% | 2,283 |
| Net interest margin | 2.6826% | 5,081 |
| Noninterest income to average assets | 0.4007% | 3,177 |
| Noninterest expense to average assets | 2.1001% | 4,465 |
| Loan and lease loss provision to assets | 0.0548% | 2,572 |
| Net operating income to assets | 0.5941% | 4,261 |
| Return on assets (ROA) | 1.3025% | 1,724 |
| Pretax return on assets | 1.6091% | 1,448 |
| Return on Equity (ROE) | 6.5916% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.5916% | 2,205 |
| Net charge-offs to loans | 0.0031% | 2,628 |
| Credit loss provision to net charge-offs | 2,825.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 406.7500% | 191 |
| Efficiency ratio | 72.6830% | 1,928 |
| Assets per employee ($millions) | 7.7471% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,134 |
| Loan loss allowance to noncurrent loans | 122.9377% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 2,709 |
| Noncurrent loans to loans | 0.7355% | 2,187 |
| Net loans and leases to total assets | 61.0781% | 3,593 |
| Net loans and leases to deposits | 76.5795% | 3,207 |
| Net loans and leases to core deposits | 79.5326% | 3,408 |
| Total domestic deposits to total assets | 79.7578% | 4,211 |
| Equity capital to assets | 19.8563% | 242 |
| Core capital (leverage) ratio | 19.7378% | 243 |
| Tier 1 risk-based capital ratio | 39.4117% | 245 |
| Total risk-based capital ratio | 40.5395% | 243 |
| Memoranda: | ||
| Average total assets | $824,545,000 | 955 |
| Average earning assets | $764,930,500 | 939 |
| Average equity | $162,934,500 | 561 |
| Average total loans | $510,602,000 | 1,055 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 5,085 |
| Cost of funding earning assets | 0.7173% | 1,983 |
| Net interest margin | 2.5789% | 5,166 |
| Noninterest income to average assets | 0.3937% | 3,474 |
| Noninterest expense to average assets | 2.1736% | 4,398 |
| Loan and lease loss provision to assets | 0.0676% | 2,791 |
| Net operating income to assets | 0.4868% | 4,688 |
| Return on assets (ROA) | 0.6366% | 4,328 |
| Pretax return on assets | 0.7202% | 4,361 |
| Return on Equity (ROE) | 3.2588% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,774 |
| Net charge-offs to loans | 0.0319% | 2,763 |
| Credit loss provision to net charge-offs | 354.4304% | 898 |
| Earnings coverage of net charge-offs (x) | 32.3608% | 1,520 |
| Efficiency ratio | 77.8754% | 1,141 |
| Assets per employee ($millions) | 8.2851% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,234 |
| Loan loss allowance to noncurrent loans | 117.0472% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 2,652 |
| Noncurrent loans to loans | 0.7553% | 2,115 |
| Net loans and leases to total assets | 61.6631% | 3,600 |
| Net loans and leases to deposits | 77.1152% | 3,268 |
| Net loans and leases to core deposits | 79.9015% | 3,437 |
| Total domestic deposits to total assets | 79.9623% | 4,114 |
| Equity capital to assets | 19.6305% | 244 |
| Core capital (leverage) ratio | 19.4279% | 247 |
| Tier 1 risk-based capital ratio | 40.2089% | 231 |
| Total risk-based capital ratio | 42.0372% | 216 |
| Memoranda: | ||
| Average total assets | $827,962,600 | 926 |
| Average earning assets | $769,701,800 | 916 |
| Average equity | $161,746,400 | 538 |
| Average total loans | $495,854,200 | 1,056 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2436% | 5,173 |
| Cost of funding earning assets | 0.6922% | 1,887 |
| Net interest margin | 2.5514% | 5,250 |
| Noninterest income to average assets | 0.3840% | 3,578 |
| Noninterest expense to average assets | 1.9131% | 4,883 |
| Loan and lease loss provision to assets | 0.0675% | 2,631 |
| Net operating income to assets | 0.6458% | 4,378 |
| Return on assets (ROA) | 0.6458% | 4,388 |
| Pretax return on assets | 0.7776% | 4,351 |
| Return on Equity (ROE) | 3.3100% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.3100% | 4,096 |
| Net charge-offs to loans | 0.0428% | 2,238 |
| Credit loss provision to net charge-offs | 265.8228% | 1,123 |
| Earnings coverage of net charge-offs (x) | 33.2914% | 1,516 |
| Efficiency ratio | 69.3616% | 2,295 |
| Assets per employee ($millions) | 7.7977% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,393 |
| Loan loss allowance to noncurrent loans | 118.4232% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 2,844 |
| Noncurrent loans to loans | 0.7298% | 2,252 |
| Net loans and leases to total assets | 61.2364% | 3,726 |
| Net loans and leases to deposits | 76.8941% | 3,338 |
| Net loans and leases to core deposits | 79.5459% | 3,533 |
| Total domestic deposits to total assets | 79.6373% | 4,188 |
| Equity capital to assets | 19.9481% | 230 |
| Core capital (leverage) ratio | 19.3058% | 262 |
| Tier 1 risk-based capital ratio | 40.5108% | 226 |
| Total risk-based capital ratio | 42.9930% | 206 |
| Memoranda: | ||
| Average total assets | $829,897,750 | 919 |
| Average earning assets | $772,247,750 | 907 |
| Average equity | $161,929,500 | 536 |
| Average total loans | $492,246,500 | 1,064 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 5,233 |
| Cost of funding earning assets | 0.6699% | 1,813 |
| Net interest margin | 2.5254% | 5,329 |
| Noninterest income to average assets | 0.3798% | 3,623 |
| Noninterest expense to average assets | 1.9030% | 4,955 |
| Loan and lease loss provision to assets | 0.0672% | 2,547 |
| Net operating income to assets | 0.6319% | 4,403 |
| Return on assets (ROA) | 0.6319% | 4,411 |
| Pretax return on assets | 0.7601% | 4,366 |
| Return on Equity (ROE) | 3.2627% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.2627% | 3,939 |
| Net charge-offs to loans | 0.0365% | 2,124 |
| Credit loss provision to net charge-offs | 314.6067% | 974 |
| Earnings coverage of net charge-offs (x) | 38.7416% | 1,326 |
| Efficiency ratio | 69.7012% | 2,366 |
| Assets per employee ($millions) | 8.1047% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,499 |
| Loan loss allowance to noncurrent loans | 162.4103% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,428 |
| Noncurrent loans to loans | 0.5319% | 2,825 |
| Net loans and leases to total assets | 59.1004% | 3,893 |
| Net loans and leases to deposits | 73.7581% | 3,564 |
| Net loans and leases to core deposits | 76.2221% | 3,730 |
| Total domestic deposits to total assets | 80.1273% | 4,210 |
| Equity capital to assets | 19.4502% | 246 |
| Core capital (leverage) ratio | 18.8883% | 274 |
| Tier 1 risk-based capital ratio | 40.0668% | 227 |
| Total risk-based capital ratio | 42.5382% | 212 |
| Memoranda: | ||
| Average total assets | $833,611,000 | 909 |
| Average earning assets | $775,891,670 | 908 |
| Average equity | $161,463,670 | 537 |
| Average total loans | $487,745,670 | 1,077 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1218% | 5,297 |
| Cost of funding earning assets | 0.6496% | 1,718 |
| Net interest margin | 2.4721% | 5,411 |
| Noninterest income to average assets | 0.3784% | 3,598 |
| Noninterest expense to average assets | 1.8885% | 5,035 |
| Loan and lease loss provision to assets | 0.0672% | 2,420 |
| Net operating income to assets | 0.6026% | 4,418 |
| Return on assets (ROA) | 0.6026% | 4,425 |
| Pretax return on assets | 0.7231% | 4,376 |
| Return on Equity (ROE) | 3.1178% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.1178% | 3,957 |
| Net charge-offs to loans | 0.0497% | 1,601 |
| Credit loss provision to net charge-offs | 233.3333% | 950 |
| Earnings coverage of net charge-offs (x) | 27.4333% | 1,297 |
| Efficiency ratio | 70.4965% | 2,417 |
| Assets per employee ($millions) | 8.3130% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,579 |
| Loan loss allowance to noncurrent loans | 139.5868% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 3,343 |
| Noncurrent loans to loans | 0.6201% | 2,680 |
| Net loans and leases to total assets | 57.7156% | 3,966 |
| Net loans and leases to deposits | 72.0065% | 3,599 |
| Net loans and leases to core deposits | 74.3326% | 3,792 |
| Total domestic deposits to total assets | 80.1533% | 4,388 |
| Equity capital to assets | 19.3940% | 238 |
| Core capital (leverage) ratio | 18.8369% | 259 |
| Tier 1 risk-based capital ratio | 40.6811% | 220 |
| Total risk-based capital ratio | 43.1393% | 203 |
| Memoranda: | ||
| Average total assets | $833,022,500 | 919 |
| Average earning assets | $775,197,500 | 913 |
| Average equity | $161,011,500 | 540 |
| Average total loans | $482,787,500 | 1,090 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9839% | 5,368 |
| Cost of funding earning assets | 0.6251% | 1,432 |
| Net interest margin | 2.3588% | 5,483 |
| Noninterest income to average assets | 0.3734% | 3,796 |
| Noninterest expense to average assets | 1.7671% | 5,267 |
| Loan and lease loss provision to assets | 0.0677% | 2,851 |
| Net operating income to assets | 0.5837% | 4,084 |
| Return on assets (ROA) | 0.5844% | 4,122 |
| Pretax return on assets | 0.7364% | 4,426 |
| Return on Equity (ROE) | 3.0622% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.0622% | 3,470 |
| Net charge-offs to loans | 0.0330% | 3,131 |
| Credit loss provision to net charge-offs | 366.0131% | 809 |
| Earnings coverage of net charge-offs (x) | 43.4379% | 1,198 |
| Efficiency ratio | 68.7482% | 2,752 |
| Assets per employee ($millions) | 8.1838% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,654 |
| Loan loss allowance to noncurrent loans | 144.9894% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,440 |
| Noncurrent loans to loans | 0.5885% | 2,748 |
| Net loans and leases to total assets | 57.2016% | 4,084 |
| Net loans and leases to deposits | 71.2413% | 3,771 |
| Net loans and leases to core deposits | 73.5294% | 3,914 |
| Total domestic deposits to total assets | 80.2927% | 4,284 |
| Equity capital to assets | 19.2634% | 238 |
| Core capital (leverage) ratio | 18.6952% | 251 |
| Tier 1 risk-based capital ratio | 40.5324% | 209 |
| Total risk-based capital ratio | 42.9929% | 186 |
| Memoranda: | ||
| Average total assets | $827,353,600 | 900 |
| Average earning assets | $770,599,400 | 891 |
| Average equity | $157,895,200 | 525 |
| Average total loans | $464,058,000 | 1,096 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9580% | 5,440 |
| Cost of funding earning assets | 0.6216% | 1,395 |
| Net interest margin | 2.3364% | 5,556 |
| Noninterest income to average assets | 0.3666% | 3,904 |
| Noninterest expense to average assets | 1.7523% | 5,322 |
| Loan and lease loss provision to assets | 0.0654% | 2,762 |
| Net operating income to assets | 0.5395% | 4,616 |
| Return on assets (ROA) | 0.5395% | 4,650 |
| Pretax return on assets | 0.7258% | 4,541 |
| Return on Equity (ROE) | 2.8334% | 5,149 |
| Retained earnings to average equity (ytd only) | 2.8334% | 4,215 |
| Net charge-offs to loans | 0.0438% | 2,565 |
| Credit loss provision to net charge-offs | 268.2119% | 1,072 |
| Earnings coverage of net charge-offs (x) | 32.4435% | 1,487 |
| Efficiency ratio | 68.8913% | 2,725 |
| Assets per employee ($millions) | 8.0576% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 4,821 |
| Loan loss allowance to noncurrent loans | 131.2977% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,564 |
| Noncurrent loans to loans | 0.6293% | 2,818 |
| Net loans and leases to total assets | 57.7742% | 4,084 |
| Net loans and leases to deposits | 72.1629% | 3,753 |
| Net loans and leases to core deposits | 74.4711% | 3,930 |
| Total domestic deposits to total assets | 80.0608% | 4,298 |
| Equity capital to assets | 19.4226% | 252 |
| Core capital (leverage) ratio | 18.6541% | 268 |
| Tier 1 risk-based capital ratio | 40.7180% | 212 |
| Total risk-based capital ratio | 43.0842% | 197 |
| Memoranda: | ||
| Average total assets | $825,506,250 | 906 |
| Average earning assets | $769,145,500 | 899 |
| Average equity | $157,169,000 | 528 |
| Average total loans | $459,673,750 | 1,110 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9067% | 5,505 |
| Cost of funding earning assets | 0.6127% | 1,374 |
| Net interest margin | 2.2940% | 5,611 |
| Noninterest income to average assets | 0.3593% | 3,989 |
| Noninterest expense to average assets | 1.7438% | 5,375 |
| Loan and lease loss provision to assets | 0.0605% | 2,754 |
| Net operating income to assets | 0.5177% | 4,663 |
| Return on assets (ROA) | 0.5177% | 4,695 |
| Pretax return on assets | 0.6943% | 4,565 |
| Return on Equity (ROE) | 2.7375% | 5,187 |
| Retained earnings to average equity (ytd only) | 2.7375% | 4,068 |
| Net charge-offs to loans | 0.0675% | 1,961 |
| Credit loss provision to net charge-offs | 163.3987% | 1,444 |
| Earnings coverage of net charge-offs (x) | 20.3922% | 1,799 |
| Efficiency ratio | 69.7909% | 2,705 |
| Assets per employee ($millions) | 8.2385% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,902 |
| Loan loss allowance to noncurrent loans | 121.6459% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 3,615 |
| Noncurrent loans to loans | 0.6720% | 2,738 |
| Net loans and leases to total assets | 55.3979% | 4,279 |
| Net loans and leases to deposits | 68.7126% | 4,014 |
| Net loans and leases to core deposits | 70.7509% | 4,179 |
| Total domestic deposits to total assets | 80.6225% | 4,278 |
| Equity capital to assets | 18.9232% | 264 |
| Core capital (leverage) ratio | 18.5056% | 269 |
| Tier 1 risk-based capital ratio | 41.1695% | 196 |
| Total risk-based capital ratio | 43.3977% | 186 |
| Memoranda: | ||
| Average total assets | $826,715,330 | 915 |
| Average earning assets | $770,972,000 | 902 |
| Average equity | $156,348,670 | 530 |
| Average total loans | $453,301,670 | 1,125 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8773% | 5,554 |
| Cost of funding earning assets | 0.6079% | 1,319 |
| Net interest margin | 2.2694% | 5,672 |
| Noninterest income to average assets | 0.3573% | 3,982 |
| Noninterest expense to average assets | 1.7572% | 5,424 |
| Loan and lease loss provision to assets | 0.0607% | 2,586 |
| Net operating income to assets | 0.4917% | 4,635 |
| Return on assets (ROA) | 0.4917% | 4,654 |
| Pretax return on assets | 0.6558% | 4,579 |
| Return on Equity (ROE) | 2.6009% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.6009% | 4,099 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0361% | 2,728 |
| Assets per employee ($millions) | 8.2418% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 4,926 |
| Loan loss allowance to noncurrent loans | 145.0171% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,911 |
| Noncurrent loans to loans | 0.5862% | 3,051 |
| Net loans and leases to total assets | 54.1596% | 4,327 |
| Net loans and leases to deposits | 67.1683% | 4,075 |
| Net loans and leases to core deposits | 69.2304% | 4,206 |
| Total domestic deposits to total assets | 80.6327% | 4,496 |
| Equity capital to assets | 18.9198% | 250 |
| Core capital (leverage) ratio | 18.5164% | 260 |
| Tier 1 risk-based capital ratio | 42.7668% | 194 |
| Total risk-based capital ratio | 45.0639% | 173 |
| Memoranda: | ||
| Average total assets | $824,028,000 | 920 |
| Average earning assets | $768,498,500 | 909 |
| Average equity | $155,794,000 | 531 |
| Average total loans | $447,573,000 | 1,137 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8556% | 5,614 |
| Cost of funding earning assets | 0.6199% | 1,211 |
| Net interest margin | 2.2357% | 5,735 |
| Noninterest income to average assets | 0.3537% | 4,202 |
| Noninterest expense to average assets | 1.6990% | 5,569 |
| Loan and lease loss provision to assets | 0.0661% | 3,043 |
| Net operating income to assets | 0.4906% | 4,671 |
| Return on assets (ROA) | 0.4972% | 4,720 |
| Pretax return on assets | 0.6602% | 4,621 |
| Return on Equity (ROE) | 2.6843% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.6843% | 3,995 |
| Net charge-offs to loans | 0.0131% | 3,840 |
| Credit loss provision to net charge-offs | 964.2857% | 397 |
| Earnings coverage of net charge-offs (x) | 104.6786% | 578 |
| Efficiency ratio | 70.3085% | 2,848 |
| Assets per employee ($millions) | 8.1572% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 5,011 |
| Loan loss allowance to noncurrent loans | 133.7911% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,937 |
| Noncurrent loans to loans | 0.6219% | 2,982 |
| Net loans and leases to total assets | 53.5572% | 4,476 |
| Net loans and leases to deposits | 66.4198% | 4,210 |
| Net loans and leases to core deposits | 68.3940% | 4,365 |
| Total domestic deposits to total assets | 80.6343% | 4,425 |
| Equity capital to assets | 18.8930% | 251 |
| Core capital (leverage) ratio | 18.4182% | 262 |
| Tier 1 risk-based capital ratio | 42.9948% | 188 |
| Total risk-based capital ratio | 45.4232% | 176 |
| Memoranda: | ||
| Average total assets | $816,986,600 | 889 |
| Average earning assets | $753,809,800 | 886 |
| Average equity | $151,324,800 | 525 |
| Average total loans | $429,066,200 | 1,144 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8582% | 5,688 |
| Cost of funding earning assets | 0.6235% | 1,182 |
| Net interest margin | 2.2347% | 5,804 |
| Noninterest income to average assets | 0.3577% | 4,224 |
| Noninterest expense to average assets | 1.6848% | 5,618 |
| Loan and lease loss provision to assets | 0.0638% | 2,961 |
| Net operating income to assets | 0.4983% | 4,705 |
| Return on assets (ROA) | 0.5071% | 4,771 |
| Pretax return on assets | 0.6758% | 4,677 |
| Return on Equity (ROE) | 2.7519% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.7519% | 4,247 |
| Net charge-offs to loans | 0.0122% | 3,520 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 114.0998% | 594 |
| Efficiency ratio | 69.8346% | 2,907 |
| Assets per employee ($millions) | 7.9707% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 5,162 |
| Loan loss allowance to noncurrent loans | 129.2180% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,046 |
| Noncurrent loans to loans | 0.6272% | 3,131 |
| Net loans and leases to total assets | 53.7281% | 4,517 |
| Net loans and leases to deposits | 66.4601% | 4,306 |
| Net loans and leases to core deposits | 68.4136% | 4,431 |
| Total domestic deposits to total assets | 80.8426% | 4,288 |
| Equity capital to assets | 18.7795% | 284 |
| Core capital (leverage) ratio | 18.3866% | 271 |
| Tier 1 risk-based capital ratio | 43.0634% | 193 |
| Total risk-based capital ratio | 44.7808% | 188 |
| Memoranda: | ||
| Average total assets | $815,264,500 | 889 |
| Average earning assets | $749,685,500 | 888 |
| Average equity | $150,242,250 | 530 |
| Average total loans | $425,096,250 | 1,148 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8467% | 5,775 |
| Cost of funding earning assets | 0.6261% | 1,155 |
| Net interest margin | 2.2206% | 5,893 |
| Noninterest income to average assets | 0.3551% | 4,234 |
| Noninterest expense to average assets | 1.6750% | 5,705 |
| Loan and lease loss provision to assets | 0.0588% | 2,967 |
| Net operating income to assets | 0.4897% | 4,719 |
| Return on assets (ROA) | 0.5029% | 4,775 |
| Pretax return on assets | 0.6703% | 4,708 |
| Return on Equity (ROE) | 2.7464% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.7464% | 4,154 |
| Net charge-offs to loans | 0.0186% | 3,133 |
| Credit loss provision to net charge-offs | 615.3846% | 551 |
| Earnings coverage of net charge-offs (x) | 74.4359% | 741 |
| Efficiency ratio | 70.1859% | 2,948 |
| Assets per employee ($millions) | 8.2430% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 5,285 |
| Loan loss allowance to noncurrent loans | 130.5959% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 4,224 |
| Noncurrent loans to loans | 0.6127% | 3,233 |
| Net loans and leases to total assets | 51.4203% | 4,725 |
| Net loans and leases to deposits | 63.2492% | 4,546 |
| Net loans and leases to core deposits | 65.3746% | 4,654 |
| Total domestic deposits to total assets | 81.2979% | 4,190 |
| Equity capital to assets | 18.3350% | 309 |
| Core capital (leverage) ratio | 18.1434% | 285 |
| Tier 1 risk-based capital ratio | 43.5225% | 190 |
| Total risk-based capital ratio | 45.0226% | 188 |
| Memoranda: | ||
| Average total assets | $816,017,000 | 889 |
| Average earning assets | $746,474,670 | 894 |
| Average equity | $149,430,000 | 529 |
| Average total loans | $420,001,000 | 1,161 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8719% | 5,808 |
| Cost of funding earning assets | 0.6295% | 1,154 |
| Net interest margin | 2.2424% | 5,948 |
| Noninterest income to average assets | 0.3567% | 4,176 |
| Noninterest expense to average assets | 1.6707% | 5,773 |
| Loan and lease loss provision to assets | 0.0591% | 2,773 |
| Net operating income to assets | 0.4971% | 4,638 |
| Return on assets (ROA) | 0.4971% | 4,736 |
| Pretax return on assets | 0.6592% | 4,653 |
| Return on Equity (ROE) | 2.7164% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.7164% | 4,151 |
| Net charge-offs to loans | 0.0115% | 2,740 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 470 |
| Efficiency ratio | 69.9319% | 3,146 |
| Assets per employee ($millions) | 8.2288% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 5,379 |
| Loan loss allowance to noncurrent loans | 129.5676% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 4,308 |
| Noncurrent loans to loans | 0.6125% | 3,338 |
| Net loans and leases to total assets | 51.0359% | 4,720 |
| Net loans and leases to deposits | 62.7987% | 4,523 |
| Net loans and leases to core deposits | 64.8868% | 4,631 |
| Total domestic deposits to total assets | 81.2691% | 4,413 |
| Equity capital to assets | 18.3629% | 300 |
| Core capital (leverage) ratio | 18.1516% | 285 |
| Tier 1 risk-based capital ratio | 43.5794% | 193 |
| Total risk-based capital ratio | 45.0467% | 187 |
| Memoranda: | ||
| Average total assets | $811,876,000 | 893 |
| Average earning assets | $735,826,500 | 904 |
| Average equity | $148,577,500 | 529 |
| Average total loans | $416,363,500 | 1,167 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8064% | 5,875 |
| Cost of funding earning assets | 0.6208% | 1,230 |
| Net interest margin | 2.1856% | 5,991 |
| Noninterest income to average assets | 0.3552% | 4,363 |
| Noninterest expense to average assets | 1.6696% | 5,868 |
| Loan and lease loss provision to assets | 0.0491% | 3,346 |
| Net operating income to assets | 0.4771% | 4,781 |
| Return on assets (ROA) | 0.4771% | 4,862 |
| Pretax return on assets | 0.6281% | 4,757 |
| Return on Equity (ROE) | 2.6204% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.6204% | 4,205 |
| Net charge-offs to loans | 0.1269% | 2,107 |
| Credit loss provision to net charge-offs | 79.1583% | 2,968 |
| Earnings coverage of net charge-offs (x) | 10.9178% | 2,648 |
| Efficiency ratio | 71.1441% | 3,046 |
| Assets per employee ($millions) | 8.3413% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 5,466 |
| Loan loss allowance to noncurrent loans | 144.2403% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,486 |
| Noncurrent loans to loans | 0.5394% | 3,547 |
| Net loans and leases to total assets | 50.7252% | 4,804 |
| Net loans and leases to deposits | 62.3140% | 4,611 |
| Net loans and leases to core deposits | 64.2091% | 4,729 |
| Total domestic deposits to total assets | 81.4026% | 4,369 |
| Equity capital to assets | 18.2377% | 297 |
| Core capital (leverage) ratio | 18.1477% | 283 |
| Tier 1 risk-based capital ratio | 39.9914% | 229 |
| Total risk-based capital ratio | 41.4541% | 224 |
| Memoranda: | ||
| Average total assets | $804,526,000 | 862 |
| Average earning assets | $733,086,200 | 870 |
| Average equity | $146,465,800 | 517 |
| Average total loans | $393,185,000 | 1,174 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7986% | 5,958 |
| Cost of funding earning assets | 0.6191% | 1,286 |
| Net interest margin | 2.1796% | 6,079 |
| Noninterest income to average assets | 0.3550% | 4,403 |
| Noninterest expense to average assets | 1.6613% | 5,936 |
| Loan and lease loss provision to assets | 0.0407% | 3,394 |
| Net operating income to assets | 0.4861% | 4,839 |
| Return on assets (ROA) | 0.4861% | 4,931 |
| Pretax return on assets | 0.6421% | 4,855 |
| Return on Equity (ROE) | 2.6713% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.6713% | 4,516 |
| Net charge-offs to loans | 0.1299% | 1,836 |
| Credit loss provision to net charge-offs | 64.8148% | 2,847 |
| Earnings coverage of net charge-offs (x) | 10.8835% | 2,554 |
| Efficiency ratio | 70.8723% | 3,072 |
| Assets per employee ($millions) | 8.1804% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 5,541 |
| Loan loss allowance to noncurrent loans | 152.5837% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 4,616 |
| Noncurrent loans to loans | 0.5179% | 3,801 |
| Net loans and leases to total assets | 49.4361% | 4,975 |
| Net loans and leases to deposits | 60.7352% | 4,802 |
| Net loans and leases to core deposits | 62.5428% | 4,899 |
| Total domestic deposits to total assets | 81.3961% | 4,365 |
| Equity capital to assets | 18.2322% | 325 |
| Core capital (leverage) ratio | 18.0417% | 299 |
| Tier 1 risk-based capital ratio | 40.5807% | 241 |
| Total risk-based capital ratio | 42.0498% | 237 |
| Memoranda: | ||
| Average total assets | $803,381,500 | 873 |
| Average earning assets | $733,145,000 | 870 |
| Average equity | $146,191,750 | 521 |
| Average total loans | $388,071,750 | 1,186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8002% | 6,016 |
| Cost of funding earning assets | 0.6203% | 1,287 |
| Net interest margin | 2.1800% | 6,154 |
| Noninterest income to average assets | 0.3505% | 4,451 |
| Noninterest expense to average assets | 1.6717% | 5,996 |
| Loan and lease loss provision to assets | 0.0337% | 3,439 |
| Net operating income to assets | 0.4848% | 4,831 |
| Return on assets (ROA) | 0.4848% | 4,935 |
| Pretax return on assets | 0.6383% | 4,867 |
| Return on Equity (ROE) | 2.6657% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.6657% | 4,358 |
| Net charge-offs to loans | 0.1551% | 1,550 |
| Credit loss provision to net charge-offs | 45.4545% | 2,752 |
| Earnings coverage of net charge-offs (x) | 9.0640% | 2,494 |
| Efficiency ratio | 71.3281% | 3,105 |
| Assets per employee ($millions) | 8.4621% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 5,590 |
| Loan loss allowance to noncurrent loans | 186.6509% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 5,027 |
| Noncurrent loans to loans | 0.4315% | 4,186 |
| Net loans and leases to total assets | 48.4135% | 5,064 |
| Net loans and leases to deposits | 59.5186% | 4,892 |
| Net loans and leases to core deposits | 61.1737% | 4,994 |
| Total domestic deposits to total assets | 81.3419% | 4,504 |
| Equity capital to assets | 18.2714% | 314 |
| Core capital (leverage) ratio | 18.0340% | 289 |
| Tier 1 risk-based capital ratio | 40.9517% | 242 |
| Total risk-based capital ratio | 42.5826% | 235 |
| Memoranda: | ||
| Average total assets | $801,220,670 | 882 |
| Average earning assets | $732,584,670 | 879 |
| Average equity | $145,703,670 | 524 |
| Average total loans | $382,911,000 | 1,206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8215% | 6,054 |
| Cost of funding earning assets | 0.6201% | 1,303 |
| Net interest margin | 2.2014% | 6,209 |
| Noninterest income to average assets | 0.3375% | 4,493 |
| Noninterest expense to average assets | 1.6847% | 6,030 |
| Loan and lease loss provision to assets | 0.0315% | 3,261 |
| Net operating income to assets | 0.4811% | 4,759 |
| Return on assets (ROA) | 0.4811% | 4,879 |
| Pretax return on assets | 0.6346% | 4,811 |
| Return on Equity (ROE) | 2.6517% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.6517% | 4,359 |
| Net charge-offs to loans | 0.2623% | 916 |
| Credit loss provision to net charge-offs | 25.4032% | 2,312 |
| Earnings coverage of net charge-offs (x) | 5.3710% | 2,395 |
| Efficiency ratio | 71.6656% | 3,223 |
| Assets per employee ($millions) | 8.4229% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 5,622 |
| Loan loss allowance to noncurrent loans | 160.8718% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,966 |
| Noncurrent loans to loans | 0.5159% | 4,030 |
| Net loans and leases to total assets | 46.8403% | 5,132 |
| Net loans and leases to deposits | 57.5331% | 4,950 |
| Net loans and leases to core deposits | 59.1007% | 5,061 |
| Total domestic deposits to total assets | 81.4146% | 4,697 |
| Equity capital to assets | 18.2198% | 317 |
| Core capital (leverage) ratio | 18.0207% | 283 |
| Tier 1 risk-based capital ratio | 41.1302% | 248 |
| Total risk-based capital ratio | 42.6314% | 242 |
| Memoranda: | ||
| Average total assets | $799,881,500 | 884 |
| Average earning assets | $731,534,500 | 884 |
| Average equity | $145,113,500 | 527 |
| Average total loans | $378,188,500 | 1,218 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7137% | 6,253 |
| Cost of funding earning assets | 0.6304% | 1,547 |
| Net interest margin | 2.0833% | 6,344 |
| Noninterest income to average assets | 0.3574% | 4,543 |
| Noninterest expense to average assets | 1.6794% | 6,177 |
| Loan and lease loss provision to assets | 0.0225% | 4,165 |
| Net operating income to assets | 0.4356% | 5,090 |
| Return on assets (ROA) | 0.4352% | 5,180 |
| Pretax return on assets | 0.5656% | 5,053 |
| Return on Equity (ROE) | 2.4626% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.4626% | 4,477 |
| Net charge-offs to loans | 0.0403% | 4,015 |
| Credit loss provision to net charge-offs | 122.4490% | 1,955 |
| Earnings coverage of net charge-offs (x) | 32.0612% | 1,270 |
| Efficiency ratio | 74.0474% | 2,827 |
| Assets per employee ($millions) | 8.1590% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,540 |
| Loan loss allowance to noncurrent loans | 152.9466% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 4,884 |
| Noncurrent loans to loans | 0.5739% | 3,949 |
| Net loans and leases to total assets | 46.9133% | 5,257 |
| Net loans and leases to deposits | 57.5033% | 5,096 |
| Net loans and leases to core deposits | 59.0499% | 5,196 |
| Total domestic deposits to total assets | 81.5837% | 4,571 |
| Equity capital to assets | 18.0639% | 310 |
| Core capital (leverage) ratio | 17.7809% | 300 |
| Tier 1 risk-based capital ratio | 45.2692% | 171 |
| Total risk-based capital ratio | 47.0566% | 164 |
| Memoranda: | ||
| Average total assets | $800,704,400 | 843 |
| Average earning assets | $734,313,600 | 834 |
| Average equity | $141,519,000 | 514 |
| Average total loans | $364,978,200 | 1,216 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6981% | 6,331 |
| Cost of funding earning assets | 0.6275% | 1,617 |
| Net interest margin | 2.0706% | 6,428 |
| Noninterest income to average assets | 0.3522% | 4,620 |
| Noninterest expense to average assets | 1.6474% | 6,248 |
| Loan and lease loss provision to assets | 0.0225% | 3,955 |
| Net operating income to assets | 0.4438% | 5,104 |
| Return on assets (ROA) | 0.4433% | 5,179 |
| Pretax return on assets | 0.5816% | 5,080 |
| Return on Equity (ROE) | 2.5219% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.5219% | 4,787 |
| Net charge-offs to loans | 0.0590% | 3,366 |
| Credit loss provision to net charge-offs | 84.3750% | 2,516 |
| Earnings coverage of net charge-offs (x) | 22.7060% | 1,619 |
| Efficiency ratio | 73.1486% | 2,968 |
| Assets per employee ($millions) | 7.9802% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 5,659 |
| Loan loss allowance to noncurrent loans | 150.8318% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 5,120 |
| Noncurrent loans to loans | 0.5841% | 4,172 |
| Net loans and leases to total assets | 46.0184% | 5,375 |
| Net loans and leases to deposits | 56.2112% | 5,224 |
| Net loans and leases to core deposits | 57.5950% | 5,355 |
| Total domestic deposits to total assets | 81.8670% | 4,525 |
| Equity capital to assets | 17.7934% | 354 |
| Core capital (leverage) ratio | 17.7148% | 312 |
| Tier 1 risk-based capital ratio | 45.7601% | 170 |
| Total risk-based capital ratio | 47.3783% | 164 |
| Memoranda: | ||
| Average total assets | $800,984,750 | 851 |
| Average earning assets | $734,966,750 | 841 |
| Average equity | $140,789,750 | 519 |
| Average total loans | $361,614,500 | 1,226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6787% | 6,404 |
| Cost of funding earning assets | 0.6218% | 1,720 |
| Net interest margin | 2.0569% | 6,504 |
| Noninterest income to average assets | 0.3554% | 4,581 |
| Noninterest expense to average assets | 1.6432% | 6,321 |
| Loan and lease loss provision to assets | 0.0224% | 3,831 |
| Net operating income to assets | 0.4421% | 5,049 |
| Return on assets (ROA) | 0.4412% | 5,127 |
| Pretax return on assets | 0.5776% | 5,030 |
| Return on Equity (ROE) | 2.5202% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.5202% | 4,596 |
| Net charge-offs to loans | 0.0011% | 4,357 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,205.5000% | 44 |
| Efficiency ratio | 73.2111% | 3,122 |
| Assets per employee ($millions) | 8.3467% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 5,637 |
| Loan loss allowance to noncurrent loans | 158.2474% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 5,230 |
| Noncurrent loans to loans | 0.5867% | 4,265 |
| Net loans and leases to total assets | 44.5100% | 5,498 |
| Net loans and leases to deposits | 54.6760% | 5,308 |
| Net loans and leases to core deposits | 55.9803% | 5,418 |
| Total domestic deposits to total assets | 81.4067% | 4,841 |
| Equity capital to assets | 17.5394% | 359 |
| Core capital (leverage) ratio | 17.5706% | 322 |
| Tier 1 risk-based capital ratio | 46.3442% | 159 |
| Total risk-based capital ratio | 48.1413% | 153 |
| Memoranda: | ||
| Average total assets | $801,971,670 | 850 |
| Average earning assets | $736,549,330 | 835 |
| Average equity | $140,387,670 | 519 |
| Average total loans | $358,652,000 | 1,231 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6754% | 6,480 |
| Cost of funding earning assets | 0.6222% | 1,788 |
| Net interest margin | 2.0532% | 6,576 |
| Noninterest income to average assets | 0.3518% | 4,560 |
| Noninterest expense to average assets | 1.6493% | 6,390 |
| Loan and lease loss provision to assets | 0.0226% | 3,535 |
| Net operating income to assets | 0.4315% | 5,007 |
| Return on assets (ROA) | 0.4315% | 5,068 |
| Pretax return on assets | 0.5653% | 4,962 |
| Return on Equity (ROE) | 2.4674% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.4674% | 4,596 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7231% | 3,199 |
| Assets per employee ($millions) | 8.6216% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 5,756 |
| Loan loss allowance to noncurrent loans | 170.3628% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 5,385 |
| Noncurrent loans to loans | 0.5493% | 4,514 |
| Net loans and leases to total assets | 44.0194% | 5,512 |
| Net loans and leases to deposits | 53.9974% | 5,289 |
| Net loans and leases to core deposits | 55.2492% | 5,418 |
| Total domestic deposits to total assets | 81.5213% | 5,081 |
| Equity capital to assets | 17.5249% | 348 |
| Core capital (leverage) ratio | 17.6169% | 322 |
| Tier 1 risk-based capital ratio | 47.4079% | 153 |
| Total risk-based capital ratio | 49.2602% | 150 |
| Memoranda: | ||
| Average total assets | $798,142,500 | 858 |
| Average earning assets | $732,894,000 | 844 |
| Average equity | $139,579,500 | 523 |
| Average total loans | $356,106,500 | 1,241 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7172% | 6,538 |
| Cost of funding earning assets | 0.6589% | 2,137 |
| Net interest margin | 2.0583% | 6,637 |
| Noninterest income to average assets | 0.3650% | 4,701 |
| Noninterest expense to average assets | 1.5581% | 6,536 |
| Loan and lease loss provision to assets | 0.0214% | 4,702 |
| Net operating income to assets | 0.5153% | 4,669 |
| Return on assets (ROA) | 0.5155% | 4,798 |
| Pretax return on assets | 0.6934% | 4,569 |
| Return on Equity (ROE) | 2.9587% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.9587% | 4,138 |
| Net charge-offs to loans | 0.0603% | 4,373 |
| Credit loss provision to net charge-offs | 80.5687% | 3,031 |
| Earnings coverage of net charge-offs (x) | 26.8531% | 1,285 |
| Efficiency ratio | 68.5554% | 4,089 |
| Assets per employee ($millions) | 8.7305% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 5,845 |
| Loan loss allowance to noncurrent loans | 149.4321% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 5,373 |
| Noncurrent loans to loans | 0.6184% | 4,432 |
| Net loans and leases to total assets | 44.3863% | 5,640 |
| Net loans and leases to deposits | 53.9608% | 5,472 |
| Net loans and leases to core deposits | 55.1467% | 5,604 |
| Total domestic deposits to total assets | 82.2566% | 4,783 |
| Equity capital to assets | 17.4509% | 361 |
| Core capital (leverage) ratio | 17.4577% | 334 |
| Tier 1 risk-based capital ratio | 47.3785% | 151 |
| Total risk-based capital ratio | 49.2128% | 147 |
| Memoranda: | ||
| Average total assets | $792,848,000 | 840 |
| Average earning assets | $734,831,000 | 825 |
| Average equity | $138,133,000 | 525 |
| Average total loans | $350,044,200 | 1,222 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7066% | 6,620 |
| Cost of funding earning assets | 0.6591% | 2,275 |
| Net interest margin | 2.0475% | 6,715 |
| Noninterest income to average assets | 0.3476% | 4,906 |
| Noninterest expense to average assets | 1.5237% | 6,622 |
| Loan and lease loss provision to assets | 0.0185% | 4,645 |
| Net operating income to assets | 0.5238% | 4,694 |
| Return on assets (ROA) | 0.5238% | 4,849 |
| Pretax return on assets | 0.7078% | 4,666 |
| Return on Equity (ROE) | 3.0075% | 5,604 |
| Retained earnings to average equity (ytd only) | 3.0075% | 4,525 |
| Net charge-offs to loans | 0.0562% | 4,104 |
| Credit loss provision to net charge-offs | 74.8299% | 2,968 |
| Earnings coverage of net charge-offs (x) | 29.3666% | 1,253 |
| Efficiency ratio | 67.7185% | 4,144 |
| Assets per employee ($millions) | 8.6395% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 6,008 |
| Loan loss allowance to noncurrent loans | 134.9037% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 5,414 |
| Noncurrent loans to loans | 0.6819% | 4,494 |
| Net loans and leases to total assets | 44.6201% | 5,670 |
| Net loans and leases to deposits | 54.1905% | 5,521 |
| Net loans and leases to core deposits | 55.3564% | 5,680 |
| Total domestic deposits to total assets | 82.3393% | 4,809 |
| Equity capital to assets | 17.3409% | 380 |
| Core capital (leverage) ratio | 17.3657% | 350 |
| Tier 1 risk-based capital ratio | 47.6376% | 154 |
| Total risk-based capital ratio | 49.2905% | 146 |
| Memoranda: | ||
| Average total assets | $792,441,250 | 844 |
| Average earning assets | $736,292,250 | 826 |
| Average equity | $138,005,500 | 529 |
| Average total loans | $348,573,500 | 1,224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7232% | 6,656 |
| Cost of funding earning assets | 0.6651% | 2,360 |
| Net interest margin | 2.0581% | 6,745 |
| Noninterest income to average assets | 0.3294% | 5,057 |
| Noninterest expense to average assets | 1.4992% | 6,668 |
| Loan and lease loss provision to assets | 0.0152% | 4,587 |
| Net operating income to assets | 0.5386% | 4,618 |
| Return on assets (ROA) | 0.5386% | 4,786 |
| Pretax return on assets | 0.7304% | 4,578 |
| Return on Equity (ROE) | 3.0884% | 5,588 |
| Retained earnings to average equity (ytd only) | 3.0884% | 4,352 |
| Net charge-offs to loans | 0.0446% | 4,056 |
| Credit loss provision to net charge-offs | 77.9221% | 2,668 |
| Earnings coverage of net charge-offs (x) | 38.3247% | 959 |
| Efficiency ratio | 66.7867% | 4,399 |
| Assets per employee ($millions) | 8.7767% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 5,959 |
| Loan loss allowance to noncurrent loans | 132.6792% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 5,478 |
| Noncurrent loans to loans | 0.7230% | 4,479 |
| Net loans and leases to total assets | 42.8268% | 5,836 |
| Net loans and leases to deposits | 51.9409% | 5,692 |
| Net loans and leases to core deposits | 52.9889% | 5,817 |
| Total domestic deposits to total assets | 82.4530% | 4,894 |
| Equity capital to assets | 17.2592% | 397 |
| Core capital (leverage) ratio | 17.2602% | 347 |
| Tier 1 risk-based capital ratio | 49.4000% | 130 |
| Total risk-based capital ratio | 51.0246% | 127 |
| Memoranda: | ||
| Average total assets | $791,643,670 | 847 |
| Average earning assets | $736,716,330 | 829 |
| Average equity | $138,063,670 | 530 |
| Average total loans | $345,448,330 | 1,225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7518% | 6,708 |
| Cost of funding earning assets | 0.6652% | 2,524 |
| Net interest margin | 2.0866% | 6,817 |
| Noninterest income to average assets | 0.3248% | 5,105 |
| Noninterest expense to average assets | 1.4587% | 6,774 |
| Loan and lease loss provision to assets | 0.0152% | 4,266 |
| Net operating income to assets | 0.5816% | 4,305 |
| Return on assets (ROA) | 0.5816% | 4,456 |
| Pretax return on assets | 0.7963% | 4,183 |
| Return on Equity (ROE) | 3.3176% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.3176% | 4,260 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2522% | 4,969 |
| Assets per employee ($millions) | 9.2001% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 6,046 |
| Loan loss allowance to noncurrent loans | 135.5385% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 5,498 |
| Noncurrent loans to loans | 0.7248% | 4,681 |
| Net loans and leases to total assets | 42.8043% | 5,775 |
| Net loans and leases to deposits | 52.1425% | 5,601 |
| Net loans and leases to core deposits | 53.1521% | 5,737 |
| Total domestic deposits to total assets | 82.0909% | 5,162 |
| Equity capital to assets | 17.5904% | 362 |
| Core capital (leverage) ratio | 17.4069% | 322 |
| Tier 1 risk-based capital ratio | 49.6333% | 137 |
| Total risk-based capital ratio | 51.2185% | 135 |
| Memoranda: | ||
| Average total assets | $788,124,500 | 857 |
| Average earning assets | $734,792,000 | 835 |
| Average equity | $138,172,500 | 538 |
| Average total loans | $345,491,000 | 1,228 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7934% | 6,854 |
| Cost of funding earning assets | 0.7662% | 2,955 |
| Net interest margin | 2.0272% | 6,926 |
| Noninterest income to average assets | 0.1697% | 6,181 |
| Noninterest expense to average assets | 1.3796% | 6,917 |
| Loan and lease loss provision to assets | 0.0568% | 5,071 |
| Net operating income to assets | 0.4610% | 4,835 |
| Return on assets (ROA) | 0.4944% | 4,962 |
| Pretax return on assets | 0.7382% | 4,525 |
| Return on Equity (ROE) | 2.9038% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.9038% | 4,188 |
| Net charge-offs to loans | 0.1300% | 4,380 |
| Credit loss provision to net charge-offs | 94.9367% | 3,276 |
| Earnings coverage of net charge-offs (x) | 12.4578% | 1,924 |
| Efficiency ratio | 64.9347% | 4,716 |
| Assets per employee ($millions) | 9.4583% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 6,115 |
| Loan loss allowance to noncurrent loans | 113.2653% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 5,532 |
| Noncurrent loans to loans | 0.8425% | 4,505 |
| Net loans and leases to total assets | 44.0259% | 5,816 |
| Net loans and leases to deposits | 53.5154% | 5,692 |
| Net loans and leases to core deposits | 54.4728% | 5,844 |
| Total domestic deposits to total assets | 82.2676% | 5,001 |
| Equity capital to assets | 17.4728% | 368 |
| Core capital (leverage) ratio | 17.2334% | 332 |
| Tier 1 risk-based capital ratio | 48.5270% | 147 |
| Total risk-based capital ratio | 49.9193% | 143 |
| Memoranda: | ||
| Average total assets | $792,620,600 | 838 |
| Average earning assets | $764,339,400 | 780 |
| Average equity | $134,962,000 | 535 |
| Average total loans | $364,654,000 | 1,147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7805% | 6,977 |
| Cost of funding earning assets | 0.7788% | 3,125 |
| Net interest margin | 2.0017% | 7,038 |
| Noninterest income to average assets | 0.1603% | 6,336 |
| Noninterest expense to average assets | 1.3574% | 7,015 |
| Loan and lease loss provision to assets | 0.0638% | 4,914 |
| Net operating income to assets | 0.4576% | 5,004 |
| Return on assets (ROA) | 0.5041% | 5,092 |
| Pretax return on assets | 0.7538% | 4,665 |
| Return on Equity (ROE) | 2.9799% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.9799% | 4,768 |
| Net charge-offs to loans | 0.1574% | 3,861 |
| Credit loss provision to net charge-offs | 87.3563% | 3,387 |
| Earnings coverage of net charge-offs (x) | 10.2482% | 2,207 |
| Efficiency ratio | 64.4696% | 4,719 |
| Assets per employee ($millions) | 9.2153% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 6,315 |
| Loan loss allowance to noncurrent loans | 100.1214% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 5,578 |
| Noncurrent loans to loans | 0.9225% | 4,589 |
| Net loans and leases to total assets | 45.1799% | 5,854 |
| Net loans and leases to deposits | 54.8651% | 5,730 |
| Net loans and leases to core deposits | 55.9234% | 5,898 |
| Total domestic deposits to total assets | 82.3474% | 4,899 |
| Equity capital to assets | 17.3907% | 412 |
| Core capital (leverage) ratio | 17.0210% | 370 |
| Tier 1 risk-based capital ratio | 53.6386% | 126 |
| Total risk-based capital ratio | 55.0678% | 123 |
| Memoranda: | ||
| Average total assets | $794,515,000 | 838 |
| Average earning assets | $772,113,500 | 782 |
| Average equity | $134,410,250 | 540 |
| Average total loans | $368,579,500 | 1,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8076% | 7,040 |
| Cost of funding earning assets | 0.7900% | 3,272 |
| Net interest margin | 2.0176% | 7,104 |
| Noninterest income to average assets | 0.1679% | 6,340 |
| Noninterest expense to average assets | 1.3427% | 7,083 |
| Loan and lease loss provision to assets | 0.0251% | 5,354 |
| Net operating income to assets | 0.5089% | 4,781 |
| Return on assets (ROA) | 0.5089% | 5,043 |
| Pretax return on assets | 0.7607% | 4,603 |
| Return on Equity (ROE) | 3.0357% | 5,680 |
| Retained earnings to average equity (ytd only) | 3.0357% | 4,618 |
| Net charge-offs to loans | 0.1155% | 4,019 |
| Credit loss provision to net charge-offs | 46.5116% | 4,118 |
| Earnings coverage of net charge-offs (x) | 14.5860% | 1,706 |
| Efficiency ratio | 63.0842% | 5,066 |
| Assets per employee ($millions) | 9.3904% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,485 |
| Loan loss allowance to noncurrent loans | 96.0558% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 5,612 |
| Noncurrent loans to loans | 0.9273% | 4,653 |
| Net loans and leases to total assets | 45.1513% | 5,906 |
| Net loans and leases to deposits | 54.8979% | 5,779 |
| Net loans and leases to core deposits | 55.9449% | 5,950 |
| Total domestic deposits to total assets | 82.2460% | 5,038 |
| Equity capital to assets | 16.9021% | 455 |
| Core capital (leverage) ratio | 16.8053% | 380 |
| Tier 1 risk-based capital ratio | 53.2168% | 119 |
| Total risk-based capital ratio | 54.5396% | 118 |
| Memoranda: | ||
| Average total assets | $798,253,670 | 831 |
| Average earning assets | $775,691,330 | 776 |
| Average equity | $133,806,670 | 539 |
| Average total loans | $372,375,000 | 1,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8615% | 7,092 |
| Cost of funding earning assets | 0.7984% | 3,487 |
| Net interest margin | 2.0631% | 7,143 |
| Noninterest income to average assets | 0.1689% | 6,370 |
| Noninterest expense to average assets | 1.3509% | 7,149 |
| Loan and lease loss provision to assets | 0.0200% | 5,089 |
| Net operating income to assets | 0.5361% | 4,665 |
| Return on assets (ROA) | 0.5361% | 4,874 |
| Pretax return on assets | 0.8022% | 4,405 |
| Return on Equity (ROE) | 3.2119% | 5,630 |
| Retained earnings to average equity (ytd only) | 3.2119% | 4,640 |
| Net charge-offs to loans | 0.1667% | 3,088 |
| Credit loss provision to net charge-offs | 25.4777% | 3,704 |
| Earnings coverage of net charge-offs (x) | 10.4522% | 1,755 |
| Efficiency ratio | 62.1628% | 5,252 |
| Assets per employee ($millions) | 9.8390% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 6,611 |
| Loan loss allowance to noncurrent loans | 87.2507% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 5,663 |
| Noncurrent loans to loans | 0.9980% | 4,678 |
| Net loans and leases to total assets | 46.2387% | 5,755 |
| Net loans and leases to deposits | 56.2124% | 5,576 |
| Net loans and leases to core deposits | 57.3099% | 5,785 |
| Total domestic deposits to total assets | 82.2572% | 5,212 |
| Equity capital to assets | 16.8730% | 446 |
| Core capital (leverage) ratio | 16.7234% | 389 |
| Tier 1 risk-based capital ratio | 52.1005% | 121 |
| Total risk-based capital ratio | 53.5964% | 120 |
| Memoranda: | ||
| Average total assets | $798,290,500 | 828 |
| Average earning assets | $775,546,000 | 777 |
| Average equity | $133,255,500 | 538 |
| Average total loans | $376,748,500 | 1,123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 7,159 |
| Cost of funding earning assets | 0.9361% | 3,828 |
| Net interest margin | 2.1360% | 7,197 |
| Noninterest income to average assets | 0.1705% | 6,268 |
| Noninterest expense to average assets | 1.7996% | 6,952 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2809% | 5,323 |
| Return on assets (ROA) | 0.2794% | 5,487 |
| Pretax return on assets | 0.4488% | 5,130 |
| Return on Equity (ROE) | 1.7068% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.7068% | 4,996 |
| Net charge-offs to loans | 0.0153% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 59.5333% | 482 |
| Efficiency ratio | 79.9551% | 2,310 |
| Assets per employee ($millions) | 9.9953% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,581 |
| Loan loss allowance to noncurrent loans | 79.8001% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 5,654 |
| Noncurrent loans to loans | 1.1010% | 4,509 |
| Net loans and leases to total assets | 47.3227% | 5,894 |
| Net loans and leases to deposits | 57.2756% | 5,771 |
| Net loans and leases to core deposits | 58.4569% | 5,976 |
| Total domestic deposits to total assets | 82.6227% | 4,910 |
| Equity capital to assets | 16.5128% | 512 |
| Core capital (leverage) ratio | 16.4422% | 418 |
| Tier 1 risk-based capital ratio | 50.0563% | 134 |
| Total risk-based capital ratio | 51.3068% | 134 |
| Memoranda: | ||
| Average total assets | $791,732,400 | 829 |
| Average earning assets | $771,059,600 | 768 |
| Average equity | $129,597,800 | 538 |
| Average total loans | $392,005,600 | 1,089 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 7,228 |
| Cost of funding earning assets | 0.9533% | 4,019 |
| Net interest margin | 2.1592% | 7,267 |
| Noninterest income to average assets | 0.1668% | 6,398 |
| Noninterest expense to average assets | 1.3026% | 7,312 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6450% | 3,899 |
| Return on assets (ROA) | 0.6449% | 4,079 |
| Pretax return on assets | 0.9685% | 3,524 |
| Return on Equity (ROE) | 3.9486% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.9486% | 3,910 |
| Net charge-offs to loans | 0.0203% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 95.6310% | 376 |
| Efficiency ratio | 57.3510% | 6,098 |
| Assets per employee ($millions) | 9.6375% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,697 |
| Loan loss allowance to noncurrent loans | 113.9266% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 6,119 |
| Noncurrent loans to loans | 0.7548% | 5,365 |
| Net loans and leases to total assets | 48.9278% | 5,844 |
| Net loans and leases to deposits | 58.9226% | 5,754 |
| Net loans and leases to core deposits | 60.0604% | 5,991 |
| Total domestic deposits to total assets | 83.0375% | 4,665 |
| Equity capital to assets | 16.4126% | 562 |
| Core capital (leverage) ratio | 16.5536% | 439 |
| Tier 1 risk-based capital ratio | 49.5868% | 152 |
| Total risk-based capital ratio | 50.8371% | 152 |
| Memoranda: | ||
| Average total assets | $789,759,750 | 836 |
| Average earning assets | $769,779,250 | 778 |
| Average equity | $128,987,250 | 545 |
| Average total loans | $394,567,750 | 1,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1308% | 7,306 |
| Cost of funding earning assets | 0.9531% | 4,292 |
| Net interest margin | 2.1777% | 7,325 |
| Noninterest income to average assets | 0.1629% | 6,488 |
| Noninterest expense to average assets | 1.2837% | 7,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6685% | 3,699 |
| Return on assets (ROA) | 0.6682% | 3,819 |
| Pretax return on assets | 1.0025% | 3,228 |
| Return on Equity (ROE) | 4.0979% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.0979% | 3,588 |
| Net charge-offs to loans | 0.0050% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 83 |
| Efficiency ratio | 56.1365% | 6,407 |
| Assets per employee ($millions) | 9.6714% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 6,729 |
| Loan loss allowance to noncurrent loans | 127.1573% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 6,286 |
| Noncurrent loans to loans | 0.6841% | 5,540 |
| Net loans and leases to total assets | 48.9109% | 5,963 |
| Net loans and leases to deposits | 58.8859% | 5,835 |
| Net loans and leases to core deposits | 59.7523% | 6,112 |
| Total domestic deposits to total assets | 83.0605% | 4,728 |
| Equity capital to assets | 16.4004% | 558 |
| Core capital (leverage) ratio | 16.5729% | 443 |
| Tier 1 risk-based capital ratio | 49.5824% | 148 |
| Total risk-based capital ratio | 51.0396% | 147 |
| Memoranda: | ||
| Average total assets | $789,589,000 | 848 |
| Average earning assets | $770,093,670 | 784 |
| Average equity | $128,748,330 | 544 |
| Average total loans | $396,084,670 | 1,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 7,358 |
| Cost of funding earning assets | 0.9653% | 4,460 |
| Net interest margin | 2.1815% | 7,364 |
| Noninterest income to average assets | 0.1640% | 6,557 |
| Noninterest expense to average assets | 1.3114% | 7,452 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6529% | 3,738 |
| Return on assets (ROA) | 0.6549% | 3,803 |
| Pretax return on assets | 0.9839% | 3,183 |
| Return on Equity (ROE) | 4.0284% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.0284% | 3,751 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2093% | 6,360 |
| Assets per employee ($millions) | 9.7108% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 6,795 |
| Loan loss allowance to noncurrent loans | 115.6504% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 6,267 |
| Noncurrent loans to loans | 0.7474% | 5,525 |
| Net loans and leases to total assets | 49.7796% | 5,880 |
| Net loans and leases to deposits | 59.9997% | 5,728 |
| Net loans and leases to core deposits | 60.8407% | 6,033 |
| Total domestic deposits to total assets | 82.9663% | 4,948 |
| Equity capital to assets | 16.3944% | 513 |
| Core capital (leverage) ratio | 16.5251% | 436 |
| Tier 1 risk-based capital ratio | 48.9775% | 149 |
| Total risk-based capital ratio | 50.5055% | 146 |
| Memoranda: | ||
| Average total assets | $787,855,500 | 856 |
| Average earning assets | $768,633,500 | 794 |
| Average equity | $128,090,500 | 544 |
| Average total loans | $398,479,500 | 1,099 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 7,370 |
| Cost of funding earning assets | 1.2814% | 4,012 |
| Net interest margin | 2.2627% | 7,384 |
| Noninterest income to average assets | 0.1601% | 6,572 |
| Noninterest expense to average assets | 1.2405% | 7,539 |
| Loan and lease loss provision to assets | 0.0299% | 6,829 |
| Net operating income to assets | 0.7342% | 3,075 |
| Return on assets (ROA) | 0.7341% | 3,205 |
| Pretax return on assets | 1.0960% | 2,591 |
| Return on Equity (ROE) | 4.7274% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.7274% | 2,592 |
| Net charge-offs to loans | 0.0299% | 6,509 |
| Credit loss provision to net charge-offs | 190.4762% | 1,691 |
| Earnings coverage of net charge-offs (x) | 71.7302% | 336 |
| Efficiency ratio | 52.4140% | 6,953 |
| Assets per employee ($millions) | 9.8642% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 6,857 |
| Loan loss allowance to noncurrent loans | 129.8593% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 6,417 |
| Noncurrent loans to loans | 0.6540% | 5,747 |
| Net loans and leases to total assets | 50.5081% | 6,118 |
| Net loans and leases to deposits | 60.5817% | 5,991 |
| Net loans and leases to core deposits | 61.4157% | 6,282 |
| Total domestic deposits to total assets | 83.3719% | 4,653 |
| Equity capital to assets | 16.1223% | 564 |
| Core capital (leverage) ratio | 16.0249% | 509 |
| Tier 1 risk-based capital ratio | 48.1855% | 157 |
| Total risk-based capital ratio | 49.7615% | 156 |
| Memoranda: | ||
| Average total assets | $802,519,600 | 841 |
| Average earning assets | $782,588,200 | 783 |
| Average equity | $124,612,800 | 547 |
| Average total loans | $421,187,400 | 1,061 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6153% | 7,486 |
| Cost of funding earning assets | 1.3354% | 4,006 |
| Net interest margin | 2.2799% | 7,490 |
| Noninterest income to average assets | 0.1540% | 6,757 |
| Noninterest expense to average assets | 1.2159% | 7,659 |
| Loan and lease loss provision to assets | 0.0298% | 6,771 |
| Net operating income to assets | 0.7547% | 3,198 |
| Return on assets (ROA) | 0.7544% | 3,356 |
| Pretax return on assets | 1.1310% | 2,730 |
| Return on Equity (ROE) | 4.9047% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.9047% | 3,053 |
| Net charge-offs to loans | 0.0313% | 6,245 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 70.1800% | 429 |
| Efficiency ratio | 51.1519% | 7,058 |
| Assets per employee ($millions) | 9.7485% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 6,975 |
| Loan loss allowance to noncurrent loans | 130.5019% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,585 |
| Noncurrent loans to loans | 0.6237% | 5,960 |
| Net loans and leases to total assets | 50.9011% | 6,231 |
| Net loans and leases to deposits | 61.5254% | 6,167 |
| Net loans and leases to core deposits | 62.3543% | 6,425 |
| Total domestic deposits to total assets | 82.7318% | 4,706 |
| Equity capital to assets | 15.6082% | 745 |
| Core capital (leverage) ratio | 15.9384% | 573 |
| Tier 1 risk-based capital ratio | 46.5691% | 167 |
| Total risk-based capital ratio | 47.9702% | 166 |
| Memoranda: | ||
| Average total assets | $805,866,250 | 841 |
| Average earning assets | $785,761,250 | 780 |
| Average equity | $123,959,500 | 541 |
| Average total loans | $425,986,750 | 1,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 7,528 |
| Cost of funding earning assets | 1.4038% | 3,853 |
| Net interest margin | 2.3018% | 7,535 |
| Noninterest income to average assets | 0.1489% | 6,823 |
| Noninterest expense to average assets | 1.1857% | 7,736 |
| Loan and lease loss provision to assets | 0.0298% | 6,648 |
| Net operating income to assets | 0.8118% | 2,917 |
| Return on assets (ROA) | 0.8117% | 3,065 |
| Pretax return on assets | 1.1772% | 2,486 |
| Return on Equity (ROE) | 5.3027% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.3027% | 2,725 |
| Net charge-offs to loans | 0.0466% | 5,740 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 48.5800% | 611 |
| Efficiency ratio | 49.5482% | 7,254 |
| Assets per employee ($millions) | 9.9953% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 7,080 |
| Loan loss allowance to noncurrent loans | 181.7187% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,777 |
| Noncurrent loans to loans | 0.4291% | 6,382 |
| Net loans and leases to total assets | 52.8350% | 6,127 |
| Net loans and leases to deposits | 62.8872% | 6,145 |
| Net loans and leases to core deposits | 63.6806% | 6,428 |
| Total domestic deposits to total assets | 84.0154% | 4,103 |
| Equity capital to assets | 15.6069% | 748 |
| Core capital (leverage) ratio | 15.6610% | 613 |
| Tier 1 risk-based capital ratio | 44.8939% | 185 |
| Total risk-based capital ratio | 46.2399% | 181 |
| Memoranda: | ||
| Average total assets | $804,780,330 | 849 |
| Average earning assets | $784,592,330 | 781 |
| Average equity | $123,182,670 | 542 |
| Average total loans | $429,571,330 | 1,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 7,602 |
| Cost of funding earning assets | 1.4714% | 3,728 |
| Net interest margin | 2.3003% | 7,598 |
| Noninterest income to average assets | 0.1442% | 6,945 |
| Noninterest expense to average assets | 1.1767% | 7,835 |
| Loan and lease loss provision to assets | 0.0297% | 6,380 |
| Net operating income to assets | 0.8117% | 2,913 |
| Return on assets (ROA) | 0.8120% | 3,009 |
| Pretax return on assets | 1.1806% | 2,434 |
| Return on Equity (ROE) | 5.3573% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.3573% | 2,958 |
| Net charge-offs to loans | 0.0927% | 4,492 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 24.4200% | 1,017 |
| Efficiency ratio | 49.3045% | 7,360 |
| Assets per employee ($millions) | 10.1861% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7589% | 7,222 |
| Loan loss allowance to noncurrent loans | 175.7412% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,834 |
| Noncurrent loans to loans | 0.4319% | 6,436 |
| Net loans and leases to total assets | 52.9747% | 6,154 |
| Net loans and leases to deposits | 62.9198% | 6,181 |
| Net loans and leases to core deposits | 63.7731% | 6,464 |
| Total domestic deposits to total assets | 84.1940% | 4,052 |
| Equity capital to assets | 15.3392% | 799 |
| Core capital (leverage) ratio | 15.5327% | 653 |
| Tier 1 risk-based capital ratio | 43.8793% | 202 |
| Total risk-based capital ratio | 45.3336% | 198 |
| Memoranda: | ||
| Average total assets | $807,357,500 | 864 |
| Average earning assets | $787,023,000 | 788 |
| Average equity | $122,375,500 | 548 |
| Average total loans | $431,456,000 | 1,084 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 7,538 |
| Cost of funding earning assets | 2.0750% | 2,599 |
| Net interest margin | 2.2540% | 7,619 |
| Noninterest income to average assets | 0.1477% | 6,999 |
| Noninterest expense to average assets | 1.2655% | 7,891 |
| Loan and lease loss provision to assets | 0.0064% | 7,400 |
| Net operating income to assets | 0.6812% | 3,009 |
| Return on assets (ROA) | 0.6740% | 3,090 |
| Pretax return on assets | 1.0189% | 2,529 |
| Return on Equity (ROE) | 4.4668% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.4668% | 2,125 |
| Net charge-offs to loans | 0.0350% | 6,777 |
| Credit loss provision to net charge-offs | 32.6797% | 6,882 |
| Earnings coverage of net charge-offs (x) | 52.5490% | 496 |
| Efficiency ratio | 54.9807% | 7,131 |
| Assets per employee ($millions) | 10.1252% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 7,225 |
| Loan loss allowance to noncurrent loans | 130.4864% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 6,574 |
| Noncurrent loans to loans | 0.5836% | 6,077 |
| Net loans and leases to total assets | 53.0934% | 6,302 |
| Net loans and leases to deposits | 63.1881% | 6,346 |
| Net loans and leases to core deposits | 75.5895% | 6,429 |
| Total domestic deposits to total assets | 84.0244% | 4,014 |
| Equity capital to assets | 14.9771% | 915 |
| Core capital (leverage) ratio | 15.2942% | 723 |
| Tier 1 risk-based capital ratio | 42.5407% | 215 |
| Total risk-based capital ratio | 43.8944% | 208 |
| Memoranda: | ||
| Average total assets | $775,920,400 | 880 |
| Average earning assets | $741,476,800 | 840 |
| Average equity | $117,086,600 | 563 |
| Average total loans | $437,288,600 | 1,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 7,546 |
| Cost of funding earning assets | 2.1970% | 2,428 |
| Net interest margin | 2.2700% | 7,676 |
| Noninterest income to average assets | 0.1543% | 7,085 |
| Noninterest expense to average assets | 1.2744% | 7,973 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6771% | 3,288 |
| Return on assets (ROA) | 0.6771% | 3,351 |
| Pretax return on assets | 1.0374% | 2,783 |
| Return on Equity (ROE) | 4.4781% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.4781% | 2,771 |
| Net charge-offs to loans | 0.0465% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 39.0271% | 764 |
| Efficiency ratio | 55.1255% | 7,104 |
| Assets per employee ($millions) | 10.2495% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 7,266 |
| Loan loss allowance to noncurrent loans | 139.7248% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 6,545 |
| Noncurrent loans to loans | 0.5360% | 6,238 |
| Net loans and leases to total assets | 54.5785% | 6,316 |
| Net loans and leases to deposits | 64.6436% | 6,436 |
| Net loans and leases to core deposits | 77.2497% | 6,545 |
| Total domestic deposits to total assets | 84.4300% | 3,514 |
| Equity capital to assets | 15.0802% | 983 |
| Core capital (leverage) ratio | 15.4385% | 777 |
| Tier 1 risk-based capital ratio | 41.6298% | 256 |
| Total risk-based capital ratio | 42.9003% | 250 |
| Memoranda: | ||
| Average total assets | $767,396,500 | 905 |
| Average earning assets | $729,390,250 | 865 |
| Average equity | $116,029,000 | 575 |
| Average total loans | $438,269,500 | 1,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 7,504 |
| Cost of funding earning assets | 2.2765% | 2,456 |
| Net interest margin | 2.3416% | 7,638 |
| Noninterest income to average assets | 0.1542% | 7,164 |
| Noninterest expense to average assets | 1.3106% | 8,054 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6802% | 3,340 |
| Return on assets (ROA) | 0.6802% | 3,458 |
| Pretax return on assets | 1.0485% | 2,812 |
| Return on Equity (ROE) | 4.4943% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.4943% | 2,796 |
| Net charge-offs to loans | 0.0696% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 26.0458% | 1,101 |
| Efficiency ratio | 55.5543% | 7,159 |
| Assets per employee ($millions) | 9.8004% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 7,311 |
| Loan loss allowance to noncurrent loans | 131.9529% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,588 |
| Noncurrent loans to loans | 0.5657% | 6,135 |
| Net loans and leases to total assets | 54.4325% | 6,393 |
| Net loans and leases to deposits | 65.2193% | 6,463 |
| Net loans and leases to core deposits | 77.4156% | 6,582 |
| Total domestic deposits to total assets | 83.4609% | 4,031 |
| Equity capital to assets | 14.7737% | 1,088 |
| Core capital (leverage) ratio | 15.4786% | 827 |
| Tier 1 risk-based capital ratio | 40.8210% | 288 |
| Total risk-based capital ratio | 41.9815% | 284 |
| Memoranda: | ||
| Average total assets | $760,123,670 | 927 |
| Average earning assets | $715,759,670 | 895 |
| Average equity | $115,033,670 | 587 |
| Average total loans | $439,695,330 | 1,136 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 7,565 |
| Cost of funding earning assets | 2.2857% | 2,761 |
| Net interest margin | 2.3721% | 7,649 |
| Noninterest income to average assets | 0.1577% | 7,179 |
| Noninterest expense to average assets | 1.2679% | 8,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7696% | 3,257 |
| Return on assets (ROA) | 0.7696% | 3,432 |
| Pretax return on assets | 1.1662% | 2,742 |
| Return on Equity (ROE) | 5.0214% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.0214% | 3,118 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0893% | 7,408 |
| Assets per employee ($millions) | 9.5746% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 7,253 |
| Loan loss allowance to noncurrent loans | 127.0250% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 6,349 |
| Noncurrent loans to loans | 0.6056% | 5,881 |
| Net loans and leases to total assets | 58.0364% | 5,934 |
| Net loans and leases to deposits | 68.9302% | 6,084 |
| Net loans and leases to core deposits | 81.2669% | 6,290 |
| Total domestic deposits to total assets | 84.1959% | 3,604 |
| Equity capital to assets | 15.2753% | 1,020 |
| Core capital (leverage) ratio | 15.9172% | 793 |
| Tier 1 risk-based capital ratio | 41.0261% | 302 |
| Total risk-based capital ratio | 42.2509% | 296 |
| Memoranda: | ||
| Average total assets | $743,269,500 | 941 |
| Average earning assets | $713,294,000 | 898 |
| Average equity | $113,911,500 | 588 |
| Average total loans | $441,866,500 | 1,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 7,867 |
| Cost of funding earning assets | 2.7528% | 2,912 |
| Net interest margin | 2.2012% | 7,960 |
| Noninterest income to average assets | 0.1648% | 7,244 |
| Noninterest expense to average assets | 1.2001% | 8,164 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7309% | 3,752 |
| Return on assets (ROA) | 0.7309% | 3,589 |
| Pretax return on assets | 1.1074% | 3,005 |
| Return on Equity (ROE) | 4.6367% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.6367% | 2,237 |
| Net charge-offs to loans | 0.0215% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 85.1935% | 496 |
| Efficiency ratio | 52.0080% | 7,489 |
| Assets per employee ($millions) | 9.3609% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 7,198 |
| Loan loss allowance to noncurrent loans | 138.6151% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,207 |
| Noncurrent loans to loans | 0.5563% | 5,694 |
| Net loans and leases to total assets | 59.9803% | 5,908 |
| Net loans and leases to deposits | 71.2850% | 6,135 |
| Net loans and leases to core deposits | 83.4364% | 6,350 |
| Total domestic deposits to total assets | 84.1416% | 3,249 |
| Equity capital to assets | 15.3780% | 1,067 |
| Core capital (leverage) ratio | 15.9531% | 835 |
| Tier 1 risk-based capital ratio | 40.5654% | 331 |
| Total risk-based capital ratio | 41.7912% | 319 |
| Memoranda: | ||
| Average total assets | $715,462,200 | 932 |
| Average earning assets | $696,430,600 | 876 |
| Average equity | $112,775,200 | 594 |
| Average total loans | $431,828,000 | 1,111 |