Home > Athol Savings Bank > Performance and Condition Ratios
Athol 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 | 3.7772% | 4,207 |
| Cost of funding earning assets | 1.2550% | 2,646 |
| Net interest margin | 2.5222% | 4,073 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.5922% | 2,028 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4017% | 3,865 |
| Return on assets (ROA) | 0.6684% | 3,254 |
| Pretax return on assets | 0.8532% | 3,086 |
| Return on Equity (ROE) | 7.1900% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.1924% | 1,832 |
| Net charge-offs to loans | 0.0243% | 1,829 |
| Credit loss provision to net charge-offs | 78.9474% | 2,030 |
| Earnings coverage of net charge-offs (x) | 33.2947% | 1,566 |
| Efficiency ratio | 83.0747% | 716 |
| Assets per employee ($millions) | 7.7994% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 1,956 |
| Loan loss allowance to noncurrent loans | 845.0495% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 2,873 |
| Noncurrent loans to loans | 0.1493% | 2,766 |
| Net loans and leases to total assets | 64.2200% | 2,441 |
| Net loans and leases to deposits | 80.0032% | 2,108 |
| Net loans and leases to core deposits | 90.4607% | 2,020 |
| Total domestic deposits to total assets | 80.2800% | 3,419 |
| Equity capital to assets | 9.8098% | 2,117 |
| Core capital (leverage) ratio | 12.0318% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9590% | 925 |
| Memoranda: | ||
| Average total assets | $598,913,200 | 1,483 |
| Average earning assets | $564,383,000 | 1,453 |
| Average equity | $55,656,000 | 1,472 |
| Average total loans | $390,444,600 | 1,502 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,174 |
| Cost of funding earning assets | 1.1347% | 2,646 |
| Net interest margin | 2.5969% | 4,036 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.6243% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4265% | 3,913 |
| Return on assets (ROA) | 0.4133% | 3,936 |
| Pretax return on assets | 0.4981% | 3,907 |
| Return on Equity (ROE) | 4.5100% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.5133% | 3,095 |
| Net charge-offs to loans | 0.0207% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 38.0833% | 1,475 |
| Efficiency ratio | 83.6201% | 636 |
| Assets per employee ($millions) | 7.4658% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,005 |
| Loan loss allowance to noncurrent loans | 132.8366% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 897 |
| Noncurrent loans to loans | 0.9571% | 860 |
| Net loans and leases to total assets | 66.0600% | 2,238 |
| Net loans and leases to deposits | 77.8487% | 2,262 |
| Net loans and leases to core deposits | 87.4968% | 2,090 |
| Total domestic deposits to total assets | 84.8600% | 2,542 |
| Equity capital to assets | 8.5269% | 2,712 |
| Core capital (leverage) ratio | 11.8322% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7351% | 985 |
| Memoranda: | ||
| Average total assets | $592,654,250 | 1,499 |
| Average earning assets | $558,137,000 | 1,469 |
| Average equity | $54,268,000 | 1,498 |
| Average total loans | $386,593,250 | 1,507 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 4,188 |
| Cost of funding earning assets | 1.0284% | 2,508 |
| Net interest margin | 2.6282% | 4,074 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.6655% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3873% | 4,024 |
| Return on assets (ROA) | 0.6161% | 3,544 |
| Pretax return on assets | 0.7812% | 3,441 |
| Return on Equity (ROE) | 6.5800% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.5762% | 2,424 |
| Net charge-offs to loans | 0.0199% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 38.2368% | 1,426 |
| Efficiency ratio | 84.4282% | 574 |
| Assets per employee ($millions) | 7.5466% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 1,918 |
| Loan loss allowance to noncurrent loans | 119.2011% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 724 |
| Noncurrent loans to loans | 1.0936% | 655 |
| Net loans and leases to total assets | 64.8100% | 2,296 |
| Net loans and leases to deposits | 74.9262% | 2,410 |
| Net loans and leases to core deposits | 86.7758% | 2,014 |
| Total domestic deposits to total assets | 86.4900% | 2,091 |
| Equity capital to assets | 9.4141% | 2,226 |
| Core capital (leverage) ratio | 12.0256% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9462% | 970 |
| Memoranda: | ||
| Average total assets | $591,117,333 | 1,500 |
| Average earning assets | $557,575,667 | 1,469 |
| Average equity | $55,381,333 | 1,471 |
| Average total loans | $382,241,667 | 1,503 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 4,155 |
| Cost of funding earning assets | 0.9398% | 2,245 |
| Net interest margin | 2.6595% | 4,135 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.6817% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4189% | 4,058 |
| Return on assets (ROA) | 0.3588% | 4,107 |
| Pretax return on assets | 0.4234% | 4,101 |
| Return on Equity (ROE) | 3.8400% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.8393% | 3,316 |
| Net charge-offs to loans | 0.0138% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 55.9231% | 1,056 |
| Efficiency ratio | 84.4425% | 570 |
| Assets per employee ($millions) | 7.5231% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,814 |
| Loan loss allowance to noncurrent loans | 121.6319% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 687 |
| Noncurrent loans to loans | 1.1106% | 640 |
| Net loans and leases to total assets | 63.0100% | 2,358 |
| Net loans and leases to deposits | 74.7724% | 2,232 |
| Net loans and leases to core deposits | 83.6838% | 2,007 |
| Total domestic deposits to total assets | 84.2700% | 3,037 |
| Equity capital to assets | 9.4601% | 2,172 |
| Core capital (leverage) ratio | 11.8345% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1543% | 969 |
| Memoranda: | ||
| Average total assets | $588,584,500 | 1,527 |
| Average earning assets | $554,992,000 | 1,505 |
| Average equity | $55,009,500 | 1,490 |
| Average total loans | $377,628,500 | 1,532 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1767% | 3,858 |
| Cost of funding earning assets | 0.2838% | 3,009 |
| Net interest margin | 2.8929% | 3,699 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.6525% | 1,671 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7487% | 3,485 |
| Return on assets (ROA) | 0.2199% | 4,416 |
| Pretax return on assets | 0.2297% | 4,421 |
| Return on Equity (ROE) | 2.1200% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.1161% | 3,951 |
| Net charge-offs to loans | 0.0177% | 1,751 |
| Credit loss provision to net charge-offs | 72.5806% | 1,715 |
| Earnings coverage of net charge-offs (x) | 71.4677% | 1,148 |
| Efficiency ratio | 77.0854% | 914 |
| Assets per employee ($millions) | 7.3778% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,609 |
| Loan loss allowance to noncurrent loans | 116.4176% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 623 |
| Noncurrent loans to loans | 1.1755% | 599 |
| Net loans and leases to total assets | 63.5700% | 2,283 |
| Net loans and leases to deposits | 74.7196% | 2,195 |
| Net loans and leases to core deposits | 82.5932% | 1,963 |
| Total domestic deposits to total assets | 85.0800% | 2,973 |
| Equity capital to assets | 9.2298% | 2,206 |
| Core capital (leverage) ratio | 12.0161% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9918% | 978 |
| Memoranda: | ||
| Average total assets | $561,970,800 | 1,579 |
| Average earning assets | $532,062,000 | 1,544 |
| Average equity | $58,410,600 | 1,430 |
| Average total loans | $349,657,200 | 1,546 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 3,773 |
| Cost of funding earning assets | 0.2187% | 3,051 |
| Net interest margin | 2.8391% | 3,654 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.6189% | 1,670 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7029% | 3,562 |
| Return on assets (ROA) | -0.3896% | 4,655 |
| Pretax return on assets | -0.6169% | 4,669 |
| Return on Equity (ROE) | -3.6400% | 4,644 |
| Retained earnings to average equity (ytd only) | -3.6419% | 4,561 |
| Net charge-offs to loans | 0.0221% | 1,394 |
| Credit loss provision to net charge-offs | 78.9474% | 1,424 |
| Earnings coverage of net charge-offs (x) | 56.9123% | 1,206 |
| Efficiency ratio | 77.1227% | 988 |
| Assets per employee ($millions) | 7.6132% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,499 |
| Loan loss allowance to noncurrent loans | 118.4895% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 651 |
| Noncurrent loans to loans | 1.2093% | 607 |
| Net loans and leases to total assets | 62.8400% | 2,210 |
| Net loans and leases to deposits | 71.3097% | 2,261 |
| Net loans and leases to core deposits | 77.4881% | 2,078 |
| Total domestic deposits to total assets | 88.1200% | 2,387 |
| Equity capital to assets | 8.8571% | 2,313 |
| Core capital (leverage) ratio | 11.9187% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4298% | 929 |
| Memoranda: | ||
| Average total assets | $556,752,750 | 1,604 |
| Average earning assets | $527,950,500 | 1,574 |
| Average equity | $59,564,500 | 1,429 |
| Average total loans | $343,158,000 | 1,559 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9304% | 3,721 |
| Cost of funding earning assets | 0.1934% | 3,004 |
| Net interest margin | 2.7370% | 3,620 |
| Noninterest income to average assets | 0.6971% | 1,349 |
| Noninterest expense to average assets | 2.5906% | 1,662 |
| Loan and lease loss provision to assets | 0.0162% | 2,310 |
| Net operating income to assets | 0.6585% | 3,447 |
| Return on assets (ROA) | -0.5179% | 4,668 |
| Pretax return on assets | -0.7952% | 4,683 |
| Return on Equity (ROE) | -4.5742% | 4,667 |
| Retained earnings to average equity (ytd only) | -4.5742% | 4,524 |
| Net charge-offs to loans | 0.0308% | 1,106 |
| Credit loss provision to net charge-offs | 86.5385% | 1,357 |
| Earnings coverage of net charge-offs (x) | 37.8654% | 1,284 |
| Efficiency ratio | 78.4856% | 1,057 |
| Assets per employee ($millions) | 7.5219% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,405 |
| Loan loss allowance to noncurrent loans | 113.9602% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 641 |
| Noncurrent loans to loans | 1.3164% | 597 |
| Net loans and leases to total assets | 60.7601% | 2,241 |
| Net loans and leases to deposits | 68.1228% | 2,384 |
| Net loans and leases to core deposits | 73.7384% | 2,195 |
| Total domestic deposits to total assets | 89.1919% | 2,092 |
| Equity capital to assets | 10.1802% | 1,603 |
| Core capital (leverage) ratio | 12.2789% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2906% | 814 |
| Memoranda: | ||
| Average total assets | $554,544,000 | 1,612 |
| Average earning assets | $527,503,000 | 1,592 |
| Average equity | $62,786,333 | 1,393 |
| Average total loans | $337,828,000 | 1,573 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8278% | 3,692 |
| Cost of funding earning assets | 0.1934% | 2,885 |
| Net interest margin | 2.6345% | 3,569 |
| Noninterest income to average assets | 0.6873% | 1,357 |
| Noninterest expense to average assets | 2.5741% | 1,677 |
| Loan and lease loss provision to assets | 0.0325% | 1,784 |
| Net operating income to assets | 0.5478% | 3,564 |
| Return on assets (ROA) | -0.2161% | 4,629 |
| Pretax return on assets | -0.3758% | 4,657 |
| Return on Equity (ROE) | -1.8163% | 4,631 |
| Retained earnings to average equity (ytd only) | -1.8163% | 4,237 |
| Net charge-offs to loans | 0.0048% | 1,589 |
| Credit loss provision to net charge-offs | 1,125.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 215.7500% | 410 |
| Efficiency ratio | 80.4972% | 1,110 |
| Assets per employee ($millions) | 7.0852% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,412 |
| Loan loss allowance to noncurrent loans | 404.2768% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,252 |
| Noncurrent loans to loans | 0.3821% | 2,116 |
| Net loans and leases to total assets | 59.9535% | 2,073 |
| Net loans and leases to deposits | 68.0686% | 2,150 |
| Net loans and leases to core deposits | 73.8609% | 1,950 |
| Total domestic deposits to total assets | 88.0781% | 2,488 |
| Equity capital to assets | 11.3409% | 1,180 |
| Core capital (leverage) ratio | 12.5322% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9025% | 769 |
| Memoranda: | ||
| Average total assets | $553,505,000 | 1,620 |
| Average earning assets | $527,472,000 | 1,597 |
| Average equity | $65,847,000 | 1,394 |
| Average total loans | $335,064,500 | 1,575 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8291% | 4,167 |
| Cost of funding earning assets | 0.2753% | 2,647 |
| Net interest margin | 2.5538% | 4,113 |
| Noninterest income to average assets | 0.7379% | 1,627 |
| Noninterest expense to average assets | 2.5811% | 1,918 |
| Loan and lease loss provision to assets | 0.1544% | 772 |
| Net operating income to assets | 0.2880% | 4,434 |
| Return on assets (ROA) | 1.0685% | 2,498 |
| Pretax return on assets | 1.4046% | 2,040 |
| Return on Equity (ROE) | 8.7438% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.7438% | 1,270 |
| Net charge-offs to loans | 0.0168% | 1,956 |
| Credit loss provision to net charge-offs | 1,527.7778% | 376 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 1,221 |
| Efficiency ratio | 81.8889% | 683 |
| Assets per employee ($millions) | 6.8440% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,403 |
| Loan loss allowance to noncurrent loans | 399.2260% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,397 |
| Noncurrent loans to loans | 0.3873% | 2,196 |
| Net loans and leases to total assets | 59.2465% | 2,236 |
| Net loans and leases to deposits | 68.3461% | 2,277 |
| Net loans and leases to core deposits | 74.2189% | 2,060 |
| Total domestic deposits to total assets | 86.6860% | 2,628 |
| Equity capital to assets | 12.4502% | 1,076 |
| Core capital (leverage) ratio | 12.7501% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1195% | 742 |
| Memoranda: | ||
| Average total assets | $534,462,800 | 1,610 |
| Average earning assets | $505,215,800 | 1,589 |
| Average equity | $65,315,200 | 1,419 |
| Average total loans | $322,204,600 | 1,617 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 4,218 |
| Cost of funding earning assets | 0.2985% | 2,605 |
| Net interest margin | 2.5660% | 4,187 |
| Noninterest income to average assets | 0.7348% | 1,713 |
| Noninterest expense to average assets | 2.5413% | 1,999 |
| Loan and lease loss provision to assets | 0.1889% | 558 |
| Net operating income to assets | 0.3174% | 4,494 |
| Return on assets (ROA) | 0.8295% | 3,509 |
| Pretax return on assets | 1.0730% | 3,260 |
| Return on Equity (ROE) | 6.8208% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.8208% | 2,486 |
| Net charge-offs to loans | 0.0154% | 1,776 |
| Credit loss provision to net charge-offs | 2,027.0270% | 323 |
| Earnings coverage of net charge-offs (x) | 65.8649% | 1,091 |
| Efficiency ratio | 80.5491% | 711 |
| Assets per employee ($millions) | 6.6652% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,556 |
| Loan loss allowance to noncurrent loans | 347.6483% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 2,417 |
| Noncurrent loans to loans | 0.4366% | 2,247 |
| Net loans and leases to total assets | 61.2858% | 2,105 |
| Net loans and leases to deposits | 70.5683% | 2,180 |
| Net loans and leases to core deposits | 76.2252% | 2,028 |
| Total domestic deposits to total assets | 86.8462% | 2,410 |
| Equity capital to assets | 12.3857% | 1,227 |
| Core capital (leverage) ratio | 12.5742% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1444% | 789 |
| Memoranda: | ||
| Average total assets | $529,488,000 | 1,637 |
| Average earning assets | $499,389,250 | 1,616 |
| Average equity | $64,389,250 | 1,450 |
| Average total loans | $319,356,250 | 1,656 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8307% | 4,307 |
| Cost of funding earning assets | 0.3280% | 2,516 |
| Net interest margin | 2.5026% | 4,300 |
| Noninterest income to average assets | 0.7304% | 1,716 |
| Noninterest expense to average assets | 2.5965% | 1,866 |
| Loan and lease loss provision to assets | 0.2281% | 462 |
| Net operating income to assets | 0.1737% | 4,653 |
| Return on assets (ROA) | 1.0319% | 2,857 |
| Pretax return on assets | 1.3532% | 2,467 |
| Return on Equity (ROE) | 8.5396% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.5396% | 1,881 |
| Net charge-offs to loans | 0.0121% | 1,716 |
| Credit loss provision to net charge-offs | 3,157.8947% | 200 |
| Earnings coverage of net charge-offs (x) | 68.5263% | 910 |
| Efficiency ratio | 83.9872% | 548 |
| Assets per employee ($millions) | 6.6816% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,601 |
| Loan loss allowance to noncurrent loans | 291.5493% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 2,325 |
| Noncurrent loans to loans | 0.5134% | 2,136 |
| Net loans and leases to total assets | 61.1579% | 2,290 |
| Net loans and leases to deposits | 70.6485% | 2,341 |
| Net loans and leases to core deposits | 77.0115% | 2,135 |
| Total domestic deposits to total assets | 86.5665% | 2,522 |
| Equity capital to assets | 12.1032% | 1,316 |
| Core capital (leverage) ratio | 12.5423% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4608% | 760 |
| Memoranda: | ||
| Average total assets | $526,024,000 | 1,641 |
| Average earning assets | $496,276,000 | 1,614 |
| Average equity | $63,563,000 | 1,454 |
| Average total loans | $313,818,333 | 1,686 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 4,338 |
| Cost of funding earning assets | 0.3611% | 2,436 |
| Net interest margin | 2.4703% | 4,340 |
| Noninterest income to average assets | 0.7275% | 1,777 |
| Noninterest expense to average assets | 2.5651% | 1,973 |
| Loan and lease loss provision to assets | 0.2300% | 491 |
| Net operating income to assets | 0.1666% | 4,663 |
| Return on assets (ROA) | 1.1047% | 2,538 |
| Pretax return on assets | 1.4535% | 2,127 |
| Return on Equity (ROE) | 9.1496% | 2,982 |
| Retained earnings to average equity (ytd only) | 9.1496% | 1,901 |
| Net charge-offs to loans | 0.0249% | 1,255 |
| Credit loss provision to net charge-offs | 1,578.9474% | 294 |
| Earnings coverage of net charge-offs (x) | 34.0526% | 1,041 |
| Efficiency ratio | 83.7966% | 606 |
| Assets per employee ($millions) | 6.5845% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,564 |
| Loan loss allowance to noncurrent loans | 260.6365% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 2,439 |
| Noncurrent loans to loans | 0.5800% | 2,119 |
| Net loans and leases to total assets | 57.7322% | 2,827 |
| Net loans and leases to deposits | 66.7289% | 2,836 |
| Net loans and leases to core deposits | 72.7734% | 2,635 |
| Total domestic deposits to total assets | 86.5175% | 2,519 |
| Equity capital to assets | 11.9389% | 1,316 |
| Core capital (leverage) ratio | 12.6390% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2131% | 659 |
| Memoranda: | ||
| Average total assets | $521,772,000 | 1,631 |
| Average earning assets | $492,887,000 | 1,609 |
| Average equity | $62,997,000 | 1,452 |
| Average total loans | $304,790,500 | 1,722 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2164% | 4,436 |
| Cost of funding earning assets | 0.6280% | 2,132 |
| Net interest margin | 2.5884% | 4,513 |
| Noninterest income to average assets | 0.7717% | 1,620 |
| Noninterest expense to average assets | 2.7250% | 2,158 |
| Loan and lease loss provision to assets | 0.2117% | 1,856 |
| Net operating income to assets | 0.2384% | 4,520 |
| Return on assets (ROA) | 0.4132% | 4,299 |
| Pretax return on assets | 0.4754% | 4,313 |
| Return on Equity (ROE) | 3.2477% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.2477% | 3,206 |
| Net charge-offs to loans | 0.0260% | 2,514 |
| Credit loss provision to net charge-offs | 1,314.1026% | 634 |
| Earnings coverage of net charge-offs (x) | 30.1795% | 1,609 |
| Efficiency ratio | 84.8617% | 574 |
| Assets per employee ($millions) | 6.6255% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,740 |
| Loan loss allowance to noncurrent loans | 236.6235% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 2,550 |
| Noncurrent loans to loans | 0.6163% | 2,153 |
| Net loans and leases to total assets | 57.3578% | 3,159 |
| Net loans and leases to deposits | 66.8163% | 3,202 |
| Net loans and leases to core deposits | 74.4190% | 2,873 |
| Total domestic deposits to total assets | 85.8440% | 2,433 |
| Equity capital to assets | 12.2111% | 1,474 |
| Core capital (leverage) ratio | 12.6378% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4550% | 631 |
| Memoranda: | ||
| Average total assets | $484,264,200 | 1,597 |
| Average earning assets | $456,373,600 | 1,576 |
| Average equity | $61,612,200 | 1,420 |
| Average total loans | $299,787,800 | 1,684 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3141% | 4,456 |
| Cost of funding earning assets | 0.6867% | 2,110 |
| Net interest margin | 2.6274% | 4,548 |
| Noninterest income to average assets | 0.7687% | 1,598 |
| Noninterest expense to average assets | 2.7627% | 2,080 |
| Loan and lease loss provision to assets | 0.2031% | 1,971 |
| Net operating income to assets | 0.3064% | 4,439 |
| Return on assets (ROA) | 0.0202% | 4,778 |
| Pretax return on assets | -0.0876% | 4,810 |
| Return on Equity (ROE) | 0.1568% | 4,779 |
| Retained earnings to average equity (ytd only) | 0.1568% | 4,455 |
| Net charge-offs to loans | 0.0245% | 2,346 |
| Credit loss provision to net charge-offs | 1,318.1818% | 687 |
| Earnings coverage of net charge-offs (x) | 31.0182% | 1,550 |
| Efficiency ratio | 85.2575% | 545 |
| Assets per employee ($millions) | 6.4148% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,895 |
| Loan loss allowance to noncurrent loans | 197.7863% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 2,527 |
| Noncurrent loans to loans | 0.6903% | 2,066 |
| Net loans and leases to total assets | 58.5905% | 3,367 |
| Net loans and leases to deposits | 68.5758% | 3,427 |
| Net loans and leases to core deposits | 76.5043% | 3,126 |
| Total domestic deposits to total assets | 85.4390% | 2,271 |
| Equity capital to assets | 12.3645% | 1,482 |
| Core capital (leverage) ratio | 12.4642% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0435% | 580 |
| Memoranda: | ||
| Average total assets | $476,133,750 | 1,598 |
| Average earning assets | $447,926,750 | 1,580 |
| Average equity | $61,239,000 | 1,412 |
| Average total loans | $299,533,750 | 1,680 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3888% | 4,550 |
| Cost of funding earning assets | 0.7291% | 2,243 |
| Net interest margin | 2.6596% | 4,598 |
| Noninterest income to average assets | 0.7718% | 1,515 |
| Noninterest expense to average assets | 2.8091% | 2,077 |
| Loan and lease loss provision to assets | 0.1824% | 2,194 |
| Net operating income to assets | 0.3437% | 4,343 |
| Return on assets (ROA) | -0.3623% | 4,892 |
| Pretax return on assets | -0.6113% | 4,916 |
| Return on Equity (ROE) | -2.7779% | 4,889 |
| Retained earnings to average equity (ytd only) | -2.7779% | 4,641 |
| Net charge-offs to loans | 0.0321% | 2,089 |
| Credit loss provision to net charge-offs | 885.4167% | 856 |
| Earnings coverage of net charge-offs (x) | 22.5625% | 1,624 |
| Efficiency ratio | 85.8004% | 545 |
| Assets per employee ($millions) | 6.0111% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,247 |
| Loan loss allowance to noncurrent loans | 160.1091% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,407 |
| Noncurrent loans to loans | 0.7824% | 1,936 |
| Net loans and leases to total assets | 60.3105% | 3,289 |
| Net loans and leases to deposits | 70.6074% | 3,378 |
| Net loans and leases to core deposits | 79.4318% | 2,992 |
| Total domestic deposits to total assets | 85.4167% | 2,235 |
| Equity capital to assets | 12.3942% | 1,429 |
| Core capital (leverage) ratio | 12.8013% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9626% | 585 |
| Memoranda: | ||
| Average total assets | $465,921,000 | 1,602 |
| Average earning assets | $438,331,000 | 1,585 |
| Average equity | $60,765,333 | 1,414 |
| Average total loans | $299,035,000 | 1,667 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 4,568 |
| Cost of funding earning assets | 0.7932% | 2,434 |
| Net interest margin | 2.7715% | 4,597 |
| Noninterest income to average assets | 0.8651% | 1,134 |
| Noninterest expense to average assets | 2.9967% | 1,895 |
| Loan and lease loss provision to assets | 0.1558% | 1,844 |
| Net operating income to assets | 0.5813% | 3,656 |
| Return on assets (ROA) | -2.5357% | 5,054 |
| Pretax return on assets | -3.6331% | 5,064 |
| Return on Equity (ROE) | -18.9210% | 5,052 |
| Retained earnings to average equity (ytd only) | -18.9210% | 4,949 |
| Net charge-offs to loans | 0.0311% | 1,762 |
| Credit loss provision to net charge-offs | 760.8696% | 681 |
| Earnings coverage of net charge-offs (x) | 22.8696% | 1,343 |
| Efficiency ratio | 86.4886% | 667 |
| Assets per employee ($millions) | 5.0625% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,617 |
| Loan loss allowance to noncurrent loans | 174.3689% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 2,638 |
| Noncurrent loans to loans | 0.6935% | 2,264 |
| Net loans and leases to total assets | 65.1327% | 2,922 |
| Net loans and leases to deposits | 77.1455% | 2,961 |
| Net loans and leases to core deposits | 87.1227% | 2,586 |
| Total domestic deposits to total assets | 84.4285% | 2,625 |
| Equity capital to assets | 13.1947% | 1,343 |
| Core capital (leverage) ratio | 13.2646% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4343% | 605 |
| Memoranda: | ||
| Average total assets | $449,421,500 | 1,615 |
| Average earning assets | $421,575,000 | 1,595 |
| Average equity | $60,229,500 | 1,413 |
| Average total loans | $296,193,500 | 1,660 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,749 |
| Cost of funding earning assets | 0.8523% | 2,419 |
| Net interest margin | 2.7747% | 4,775 |
| Noninterest income to average assets | 0.9077% | 1,165 |
| Noninterest expense to average assets | 2.9376% | 2,178 |
| Loan and lease loss provision to assets | 0.1336% | 1,594 |
| Net operating income to assets | 0.3521% | 4,674 |
| Return on assets (ROA) | 0.6911% | 3,958 |
| Pretax return on assets | 0.8478% | 3,883 |
| Return on Equity (ROE) | 5.2490% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.2490% | 2,288 |
| Net charge-offs to loans | 0.0384% | 2,618 |
| Credit loss provision to net charge-offs | 517.2414% | 562 |
| Earnings coverage of net charge-offs (x) | 21.9914% | 1,867 |
| Efficiency ratio | 83.7980% | 669 |
| Assets per employee ($millions) | 5.0368% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,618 |
| Loan loss allowance to noncurrent loans | 175.2420% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 2,643 |
| Noncurrent loans to loans | 0.6647% | 2,224 |
| Net loans and leases to total assets | 65.1135% | 3,057 |
| Net loans and leases to deposits | 78.0076% | 3,002 |
| Net loans and leases to core deposits | 88.7489% | 2,536 |
| Total domestic deposits to total assets | 83.4707% | 3,035 |
| Equity capital to assets | 13.6094% | 1,240 |
| Core capital (leverage) ratio | 13.7605% | 990 |
| Tier 1 risk-based capital ratio | 21.3854% | 1,101 |
| Total risk-based capital ratio | 22.5623% | 1,093 |
| Memoranda: | ||
| Average total assets | $449,145,600 | 1,558 |
| Average earning assets | $420,516,000 | 1,544 |
| Average equity | $59,135,000 | 1,385 |
| Average total loans | $301,777,600 | 1,593 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,829 |
| Cost of funding earning assets | 0.8558% | 2,437 |
| Net interest margin | 2.8009% | 4,860 |
| Noninterest income to average assets | 0.8869% | 1,169 |
| Noninterest expense to average assets | 2.9128% | 2,220 |
| Loan and lease loss provision to assets | 0.1335% | 1,442 |
| Net operating income to assets | 0.3882% | 4,741 |
| Return on assets (ROA) | 0.5697% | 4,416 |
| Pretax return on assets | 0.6786% | 4,390 |
| Return on Equity (ROE) | 4.3635% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.3635% | 3,216 |
| Net charge-offs to loans | 0.0435% | 2,228 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 20.2924% | 1,968 |
| Efficiency ratio | 83.0120% | 687 |
| Assets per employee ($millions) | 4.8748% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,064 |
| Loan loss allowance to noncurrent loans | 288.3173% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,544 |
| Noncurrent loans to loans | 0.3793% | 3,192 |
| Net loans and leases to total assets | 66.6812% | 2,963 |
| Net loans and leases to deposits | 79.5522% | 2,949 |
| Net loans and leases to core deposits | 92.2292% | 2,344 |
| Total domestic deposits to total assets | 83.8206% | 2,887 |
| Equity capital to assets | 13.3949% | 1,408 |
| Core capital (leverage) ratio | 13.5782% | 1,106 |
| Tier 1 risk-based capital ratio | 21.0370% | 1,191 |
| Total risk-based capital ratio | 22.1715% | 1,181 |
| Memoranda: | ||
| Average total assets | $449,362,750 | 1,562 |
| Average earning assets | $420,658,000 | 1,550 |
| Average equity | $58,666,750 | 1,394 |
| Average total loans | $303,389,750 | 1,602 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,898 |
| Cost of funding earning assets | 0.8471% | 2,410 |
| Net interest margin | 2.7903% | 4,938 |
| Noninterest income to average assets | 0.8678% | 1,161 |
| Noninterest expense to average assets | 2.9480% | 2,144 |
| Loan and lease loss provision to assets | 0.1334% | 1,394 |
| Net operating income to assets | 0.3414% | 4,816 |
| Return on assets (ROA) | 0.5195% | 4,518 |
| Pretax return on assets | 0.6080% | 4,529 |
| Return on Equity (ROE) | 4.0139% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.0139% | 3,244 |
| Net charge-offs to loans | 0.0441% | 2,017 |
| Credit loss provision to net charge-offs | 447.7612% | 655 |
| Earnings coverage of net charge-offs (x) | 17.8507% | 1,877 |
| Efficiency ratio | 84.7137% | 609 |
| Assets per employee ($millions) | 4.9828% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,299 |
| Loan loss allowance to noncurrent loans | 239.7744% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 3,390 |
| Noncurrent loans to loans | 0.4409% | 2,944 |
| Net loans and leases to total assets | 65.1044% | 3,222 |
| Net loans and leases to deposits | 78.6616% | 3,097 |
| Net loans and leases to core deposits | 91.1724% | 2,488 |
| Total domestic deposits to total assets | 82.7652% | 3,284 |
| Equity capital to assets | 13.0648% | 1,559 |
| Core capital (leverage) ratio | 12.5174% | 1,530 |
| Tier 1 risk-based capital ratio | 20.3566% | 1,280 |
| Total risk-based capital ratio | 22.2260% | 1,163 |
| Memoranda: | ||
| Average total assets | $449,655,330 | 1,566 |
| Average earning assets | $420,962,330 | 1,553 |
| Average equity | $58,197,670 | 1,396 |
| Average total loans | $303,732,330 | 1,603 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,942 |
| Cost of funding earning assets | 0.8140% | 2,454 |
| Net interest margin | 2.8088% | 4,981 |
| Noninterest income to average assets | 0.8597% | 1,147 |
| Noninterest expense to average assets | 2.9510% | 2,131 |
| Loan and lease loss provision to assets | 0.1347% | 1,290 |
| Net operating income to assets | 0.3565% | 4,818 |
| Return on assets (ROA) | 0.4411% | 4,671 |
| Pretax return on assets | 0.4986% | 4,689 |
| Return on Equity (ROE) | 3.4246% | 4,694 |
| Retained earnings to average equity (ytd only) | 3.4246% | 3,547 |
| Net charge-offs to loans | 0.0472% | 1,604 |
| Credit loss provision to net charge-offs | 416.6667% | 675 |
| Earnings coverage of net charge-offs (x) | 16.6111% | 1,693 |
| Efficiency ratio | 84.5995% | 665 |
| Assets per employee ($millions) | 4.8238% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,612 |
| Loan loss allowance to noncurrent loans | 285.3160% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,665 |
| Noncurrent loans to loans | 0.3551% | 3,307 |
| Net loans and leases to total assets | 66.8558% | 2,923 |
| Net loans and leases to deposits | 82.1637% | 2,595 |
| Net loans and leases to core deposits | 95.1321% | 2,013 |
| Total domestic deposits to total assets | 81.3690% | 3,892 |
| Equity capital to assets | 13.0425% | 1,429 |
| Core capital (leverage) ratio | 12.6777% | 1,414 |
| Tier 1 risk-based capital ratio | 20.2796% | 1,289 |
| Total risk-based capital ratio | 22.1078% | 1,159 |
| Memoranda: | ||
| Average total assets | $445,272,000 | 1,584 |
| Average earning assets | $416,687,500 | 1,567 |
| Average equity | $57,350,500 | 1,410 |
| Average total loans | $304,777,500 | 1,610 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 4,869 |
| Cost of funding earning assets | 0.6303% | 2,520 |
| Net interest margin | 2.9087% | 4,908 |
| Noninterest income to average assets | 0.9163% | 1,140 |
| Noninterest expense to average assets | 2.8719% | 2,451 |
| Loan and lease loss provision to assets | 0.1156% | 1,906 |
| Net operating income to assets | 0.5542% | 4,539 |
| Return on assets (ROA) | 0.6307% | 4,341 |
| Pretax return on assets | 0.7484% | 4,293 |
| Return on Equity (ROE) | 4.8903% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.8903% | 2,832 |
| Net charge-offs to loans | 0.0287% | 2,832 |
| Credit loss provision to net charge-offs | 589.2857% | 600 |
| Earnings coverage of net charge-offs (x) | 39.4048% | 1,328 |
| Efficiency ratio | 78.7929% | 1,056 |
| Assets per employee ($millions) | 4.8036% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,888 |
| Loan loss allowance to noncurrent loans | 383.8961% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,910 |
| Noncurrent loans to loans | 0.2512% | 3,682 |
| Net loans and leases to total assets | 68.6997% | 2,776 |
| Net loans and leases to deposits | 86.0603% | 2,265 |
| Net loans and leases to core deposits | 98.9325% | 1,797 |
| Total domestic deposits to total assets | 79.8274% | 4,146 |
| Equity capital to assets | 12.7149% | 1,478 |
| Core capital (leverage) ratio | 12.5605% | 1,424 |
| Tier 1 risk-based capital ratio | 20.2274% | 1,267 |
| Total risk-based capital ratio | 21.8370% | 1,185 |
| Memoranda: | ||
| Average total assets | $428,224,600 | 1,599 |
| Average earning assets | $401,684,600 | 1,583 |
| Average equity | $55,232,200 | 1,411 |
| Average total loans | $293,149,200 | 1,624 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,923 |
| Cost of funding earning assets | 0.5841% | 2,593 |
| Net interest margin | 2.9193% | 4,948 |
| Noninterest income to average assets | 0.9017% | 1,193 |
| Noninterest expense to average assets | 2.9102% | 2,274 |
| Loan and lease loss provision to assets | 0.1130% | 1,799 |
| Net operating income to assets | 0.5238% | 4,710 |
| Return on assets (ROA) | 0.6108% | 4,481 |
| Pretax return on assets | 0.7197% | 4,491 |
| Return on Equity (ROE) | 4.7181% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.7181% | 3,385 |
| Net charge-offs to loans | 0.0184% | 2,784 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 58.1772% | 1,074 |
| Efficiency ratio | 79.9379% | 948 |
| Assets per employee ($millions) | 4.7398% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,111 |
| Loan loss allowance to noncurrent loans | 364.5038% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 4,058 |
| Noncurrent loans to loans | 0.2569% | 3,770 |
| Net loans and leases to total assets | 68.7607% | 2,827 |
| Net loans and leases to deposits | 90.2891% | 1,860 |
| Net loans and leases to core deposits | 99.9908% | 1,798 |
| Total domestic deposits to total assets | 76.1561% | 4,771 |
| Equity capital to assets | 12.7163% | 1,456 |
| Core capital (leverage) ratio | 12.6119% | 1,452 |
| Tier 1 risk-based capital ratio | 19.8735% | 1,362 |
| Total risk-based capital ratio | 21.6513% | 1,239 |
| Memoranda: | ||
| Average total assets | $424,797,750 | 1,618 |
| Average earning assets | $398,528,000 | 1,603 |
| Average equity | $54,992,500 | 1,422 |
| Average total loans | $289,796,000 | 1,644 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 4,976 |
| Cost of funding earning assets | 0.5435% | 2,666 |
| Net interest margin | 2.9061% | 5,007 |
| Noninterest income to average assets | 0.8988% | 1,187 |
| Noninterest expense to average assets | 2.9728% | 2,126 |
| Loan and lease loss provision to assets | 0.1144% | 1,734 |
| Net operating income to assets | 0.4648% | 4,831 |
| Return on assets (ROA) | 0.5536% | 4,624 |
| Pretax return on assets | 0.6389% | 4,666 |
| Return on Equity (ROE) | 4.2497% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.2497% | 3,479 |
| Net charge-offs to loans | 0.0331% | 2,192 |
| Credit loss provision to net charge-offs | 510.6383% | 696 |
| Earnings coverage of net charge-offs (x) | 29.0638% | 1,538 |
| Efficiency ratio | 82.0287% | 834 |
| Assets per employee ($millions) | 4.8018% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,196 |
| Loan loss allowance to noncurrent loans | 542.1782% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,402 |
| Noncurrent loans to loans | 0.1719% | 4,140 |
| Net loans and leases to total assets | 68.0996% | 2,851 |
| Net loans and leases to deposits | 86.4584% | 2,272 |
| Net loans and leases to core deposits | 94.7141% | 2,159 |
| Total domestic deposits to total assets | 78.7657% | 4,466 |
| Equity capital to assets | 12.8154% | 1,383 |
| Core capital (leverage) ratio | 12.8663% | 1,292 |
| Tier 1 risk-based capital ratio | 20.2170% | 1,287 |
| Total risk-based capital ratio | 21.8821% | 1,199 |
| Memoranda: | ||
| Average total assets | $419,464,670 | 1,642 |
| Average earning assets | $393,379,670 | 1,629 |
| Average equity | $54,639,000 | 1,428 |
| Average total loans | $284,408,000 | 1,669 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 5,020 |
| Cost of funding earning assets | 0.5144% | 2,689 |
| Net interest margin | 2.8863% | 5,054 |
| Noninterest income to average assets | 0.8808% | 1,201 |
| Noninterest expense to average assets | 2.9698% | 2,141 |
| Loan and lease loss provision to assets | 0.1155% | 1,638 |
| Net operating income to assets | 0.4346% | 4,854 |
| Return on assets (ROA) | 0.5468% | 4,590 |
| Pretax return on assets | 0.6305% | 4,615 |
| Return on Equity (ROE) | 4.1631% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.1631% | 3,528 |
| Net charge-offs to loans | 0.0029% | 2,635 |
| Credit loss provision to net charge-offs | 6,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 320.5000% | 210 |
| Efficiency ratio | 82.7966% | 878 |
| Assets per employee ($millions) | 4.6677% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,203 |
| Loan loss allowance to noncurrent loans | 511.1324% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,454 |
| Noncurrent loans to loans | 0.1864% | 4,124 |
| Net loans and leases to total assets | 66.6308% | 2,948 |
| Net loans and leases to deposits | 83.1113% | 2,489 |
| Net loans and leases to core deposits | 91.0077% | 2,373 |
| Total domestic deposits to total assets | 80.1705% | 4,386 |
| Equity capital to assets | 13.0739% | 1,204 |
| Core capital (leverage) ratio | 12.9170% | 1,209 |
| Tier 1 risk-based capital ratio | 20.4910% | 1,264 |
| Total risk-based capital ratio | 22.3952% | 1,154 |
| Memoranda: | ||
| Average total assets | $415,516,500 | 1,664 |
| Average earning assets | $389,559,500 | 1,652 |
| Average equity | $54,574,500 | 1,436 |
| Average total loans | $279,727,500 | 1,697 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,025 |
| Cost of funding earning assets | 0.4838% | 2,467 |
| Net interest margin | 2.8592% | 5,092 |
| Noninterest income to average assets | 0.9487% | 1,145 |
| Noninterest expense to average assets | 2.9177% | 2,393 |
| Loan and lease loss provision to assets | 0.1180% | 1,930 |
| Net operating income to assets | 0.4830% | 4,414 |
| Return on assets (ROA) | 0.5513% | 4,248 |
| Pretax return on assets | 0.6829% | 4,551 |
| Return on Equity (ROE) | 4.2162% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.2162% | 2,633 |
| Net charge-offs to loans | 0.0840% | 2,257 |
| Credit loss provision to net charge-offs | 207.7922% | 1,318 |
| Earnings coverage of net charge-offs (x) | 12.6147% | 2,458 |
| Efficiency ratio | 80.2828% | 1,080 |
| Assets per employee ($millions) | 4.7229% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,428 |
| Loan loss allowance to noncurrent loans | 419.9670% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 4,415 |
| Noncurrent loans to loans | 0.2164% | 4,045 |
| Net loans and leases to total assets | 66.7567% | 2,997 |
| Net loans and leases to deposits | 84.3481% | 2,453 |
| Net loans and leases to core deposits | 92.8233% | 2,296 |
| Total domestic deposits to total assets | 79.1442% | 4,513 |
| Equity capital to assets | 13.1943% | 1,167 |
| Core capital (leverage) ratio | 12.8658% | 1,192 |
| Tier 1 risk-based capital ratio | 20.5566% | 1,217 |
| Total risk-based capital ratio | 22.5510% | 1,075 |
| Memoranda: | ||
| Average total assets | $406,662,000 | 1,680 |
| Average earning assets | $381,964,200 | 1,665 |
| Average equity | $53,176,400 | 1,451 |
| Average total loans | $274,883,400 | 1,687 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3389% | 5,056 |
| Cost of funding earning assets | 0.4755% | 2,473 |
| Net interest margin | 2.8634% | 5,139 |
| Noninterest income to average assets | 0.9445% | 1,156 |
| Noninterest expense to average assets | 2.9285% | 2,311 |
| Loan and lease loss provision to assets | 0.1187% | 1,823 |
| Net operating income to assets | 0.4574% | 4,860 |
| Return on assets (ROA) | 0.5456% | 4,626 |
| Pretax return on assets | 0.7006% | 4,609 |
| Return on Equity (ROE) | 4.1823% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.1823% | 3,411 |
| Net charge-offs to loans | 0.0424% | 2,594 |
| Credit loss provision to net charge-offs | 413.7931% | 749 |
| Earnings coverage of net charge-offs (x) | 24.6201% | 1,760 |
| Efficiency ratio | 80.5714% | 1,038 |
| Assets per employee ($millions) | 4.5128% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,470 |
| Loan loss allowance to noncurrent loans | 461.2208% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,562 |
| Noncurrent loans to loans | 0.1993% | 4,286 |
| Net loans and leases to total assets | 68.1772% | 2,822 |
| Net loans and leases to deposits | 85.4121% | 2,375 |
| Net loans and leases to core deposits | 94.3580% | 2,237 |
| Total domestic deposits to total assets | 79.8214% | 4,355 |
| Equity capital to assets | 13.2840% | 1,260 |
| Core capital (leverage) ratio | 12.9773% | 1,216 |
| Tier 1 risk-based capital ratio | 20.6684% | 1,252 |
| Total risk-based capital ratio | 22.5459% | 1,128 |
| Memoranda: | ||
| Average total assets | $404,424,750 | 1,698 |
| Average earning assets | $379,952,750 | 1,679 |
| Average equity | $52,761,250 | 1,470 |
| Average total loans | $273,606,000 | 1,702 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,084 |
| Cost of funding earning assets | 0.4633% | 2,469 |
| Net interest margin | 2.8497% | 5,168 |
| Noninterest income to average assets | 0.9325% | 1,177 |
| Noninterest expense to average assets | 2.9442% | 2,281 |
| Loan and lease loss provision to assets | 0.1189% | 1,728 |
| Net operating income to assets | 0.4241% | 4,918 |
| Return on assets (ROA) | 0.5264% | 4,656 |
| Pretax return on assets | 0.6785% | 4,606 |
| Return on Equity (ROE) | 4.0600% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.0600% | 3,289 |
| Net charge-offs to loans | 0.0493% | 2,236 |
| Credit loss provision to net charge-offs | 358.2090% | 853 |
| Earnings coverage of net charge-offs (x) | 20.0746% | 1,811 |
| Efficiency ratio | 81.5501% | 1,048 |
| Assets per employee ($millions) | 4.6107% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 4,717 |
| Loan loss allowance to noncurrent loans | 442.4731% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 4,585 |
| Noncurrent loans to loans | 0.1990% | 4,321 |
| Net loans and leases to total assets | 67.7184% | 2,853 |
| Net loans and leases to deposits | 84.0790% | 2,465 |
| Net loans and leases to core deposits | 90.7787% | 2,454 |
| Total domestic deposits to total assets | 80.5414% | 4,301 |
| Equity capital to assets | 12.9488% | 1,395 |
| Core capital (leverage) ratio | 12.8998% | 1,214 |
| Tier 1 risk-based capital ratio | 20.2704% | 1,311 |
| Total risk-based capital ratio | 22.0132% | 1,202 |
| Memoranda: | ||
| Average total assets | $403,850,000 | 1,703 |
| Average earning assets | $379,476,670 | 1,686 |
| Average equity | $52,364,000 | 1,484 |
| Average total loans | $271,651,330 | 1,711 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2928% | 5,118 |
| Cost of funding earning assets | 0.4572% | 2,460 |
| Net interest margin | 2.8356% | 5,191 |
| Noninterest income to average assets | 0.8577% | 1,377 |
| Noninterest expense to average assets | 2.9685% | 2,247 |
| Loan and lease loss provision to assets | 0.1198% | 1,595 |
| Net operating income to assets | 0.3481% | 5,078 |
| Return on assets (ROA) | 0.5572% | 4,391 |
| Pretax return on assets | 0.7089% | 4,423 |
| Return on Equity (ROE) | 4.2941% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.2941% | 3,283 |
| Net charge-offs to loans | 0.0419% | 1,990 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 20.1786% | 1,496 |
| Efficiency ratio | 84.0305% | 968 |
| Assets per employee ($millions) | 4.5052% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,787 |
| Loan loss allowance to noncurrent loans | 333.0544% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 4,493 |
| Noncurrent loans to loans | 0.2677% | 4,153 |
| Net loans and leases to total assets | 66.1951% | 2,944 |
| Net loans and leases to deposits | 82.6917% | 2,433 |
| Net loans and leases to core deposits | 88.7001% | 2,478 |
| Total domestic deposits to total assets | 80.0504% | 4,608 |
| Equity capital to assets | 13.0595% | 1,234 |
| Core capital (leverage) ratio | 12.8339% | 1,204 |
| Tier 1 risk-based capital ratio | 21.2367% | 1,187 |
| Total risk-based capital ratio | 22.9931% | 1,091 |
| Memoranda: | ||
| Average total assets | $400,601,000 | 1,731 |
| Average earning assets | $377,912,000 | 1,700 |
| Average equity | $51,978,500 | 1,486 |
| Average total loans | $267,302,000 | 1,742 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 5,193 |
| Cost of funding earning assets | 0.4498% | 2,537 |
| Net interest margin | 2.8289% | 5,245 |
| Noninterest income to average assets | 1.0262% | 1,075 |
| Noninterest expense to average assets | 3.0306% | 2,258 |
| Loan and lease loss provision to assets | 0.1265% | 1,963 |
| Net operating income to assets | 0.4494% | 4,803 |
| Return on assets (ROA) | 0.5235% | 4,621 |
| Pretax return on assets | 0.6079% | 4,765 |
| Return on Equity (ROE) | 3.8495% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.8495% | 3,184 |
| Net charge-offs to loans | 0.1390% | 1,863 |
| Credit loss provision to net charge-offs | 145.0151% | 1,889 |
| Earnings coverage of net charge-offs (x) | 7.4290% | 3,019 |
| Efficiency ratio | 82.3803% | 1,161 |
| Assets per employee ($millions) | 4.6539% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,924 |
| Loan loss allowance to noncurrent loans | 345.7831% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,610 |
| Noncurrent loans to loans | 0.2489% | 4,266 |
| Net loans and leases to total assets | 66.0861% | 3,060 |
| Net loans and leases to deposits | 83.3434% | 2,494 |
| Net loans and leases to core deposits | 89.5418% | 2,546 |
| Total domestic deposits to total assets | 79.2938% | 4,723 |
| Equity capital to assets | 12.8906% | 1,305 |
| Core capital (leverage) ratio | 13.2249% | 1,049 |
| Tier 1 risk-based capital ratio | 21.2928% | 1,162 |
| Total risk-based capital ratio | 22.9614% | 1,094 |
| Memoranda: | ||
| Average total assets | $379,369,800 | 1,769 |
| Average earning assets | $355,726,000 | 1,747 |
| Average equity | $51,591,000 | 1,483 |
| Average total loans | $238,090,200 | 1,855 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,210 |
| Cost of funding earning assets | 0.4502% | 2,560 |
| Net interest margin | 2.8552% | 5,257 |
| Noninterest income to average assets | 1.0281% | 1,085 |
| Noninterest expense to average assets | 3.0892% | 2,056 |
| Loan and lease loss provision to assets | 0.1283% | 1,818 |
| Net operating income to assets | 0.4282% | 4,937 |
| Return on assets (ROA) | 0.5167% | 4,738 |
| Pretax return on assets | 0.5833% | 4,920 |
| Return on Equity (ROE) | 3.7474% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.7474% | 3,638 |
| Net charge-offs to loans | 0.1467% | 1,528 |
| Credit loss provision to net charge-offs | 141.7323% | 1,848 |
| Earnings coverage of net charge-offs (x) | 6.7637% | 2,967 |
| Efficiency ratio | 83.4601% | 1,028 |
| Assets per employee ($millions) | 4.2892% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 4,730 |
| Loan loss allowance to noncurrent loans | 254.5763% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 4,493 |
| Noncurrent loans to loans | 0.3674% | 3,947 |
| Net loans and leases to total assets | 62.5175% | 3,584 |
| Net loans and leases to deposits | 76.4484% | 3,357 |
| Net loans and leases to core deposits | 82.2098% | 3,261 |
| Total domestic deposits to total assets | 81.7774% | 4,012 |
| Equity capital to assets | 13.5935% | 1,199 |
| Core capital (leverage) ratio | 13.3361% | 1,052 |
| Tier 1 risk-based capital ratio | 22.3996% | 1,077 |
| Total risk-based capital ratio | 24.1009% | 1,007 |
| Memoranda: | ||
| Average total assets | $374,153,000 | 1,789 |
| Average earning assets | $350,322,500 | 1,775 |
| Average equity | $51,590,500 | 1,491 |
| Average total loans | $230,913,500 | 1,904 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 5,286 |
| Cost of funding earning assets | 0.4464% | 2,604 |
| Net interest margin | 2.8528% | 5,343 |
| Noninterest income to average assets | 1.0371% | 1,040 |
| Noninterest expense to average assets | 3.0843% | 2,103 |
| Loan and lease loss provision to assets | 0.1292% | 1,770 |
| Net operating income to assets | 0.4385% | 4,912 |
| Return on assets (ROA) | 0.5554% | 4,573 |
| Pretax return on assets | 0.6237% | 4,831 |
| Return on Equity (ROE) | 4.0085% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,354 |
| Net charge-offs to loans | 0.1002% | 1,829 |
| Credit loss provision to net charge-offs | 210.5263% | 1,254 |
| Earnings coverage of net charge-offs (x) | 10.1316% | 2,352 |
| Efficiency ratio | 83.2268% | 1,123 |
| Assets per employee ($millions) | 4.1121% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,814 |
| Loan loss allowance to noncurrent loans | 211.6387% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 4,358 |
| Noncurrent loans to loans | 0.4429% | 3,783 |
| Net loans and leases to total assets | 63.4974% | 3,436 |
| Net loans and leases to deposits | 78.7743% | 3,079 |
| Net loans and leases to core deposits | 84.5815% | 3,027 |
| Total domestic deposits to total assets | 80.6066% | 4,389 |
| Equity capital to assets | 13.8776% | 1,067 |
| Core capital (leverage) ratio | 13.3849% | 1,022 |
| Tier 1 risk-based capital ratio | 22.4644% | 1,081 |
| Total risk-based capital ratio | 24.1958% | 1,000 |
| Memoranda: | ||
| Average total assets | $371,623,670 | 1,805 |
| Average earning assets | $347,655,670 | 1,787 |
| Average equity | $51,490,000 | 1,499 |
| Average total loans | $227,582,000 | 1,931 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2985% | 5,325 |
| Cost of funding earning assets | 0.4369% | 2,708 |
| Net interest margin | 2.8616% | 5,381 |
| Noninterest income to average assets | 1.1361% | 849 |
| Noninterest expense to average assets | 3.1270% | 2,024 |
| Loan and lease loss provision to assets | 0.1303% | 1,623 |
| Net operating income to assets | 0.5209% | 4,543 |
| Return on assets (ROA) | 0.5995% | 4,292 |
| Pretax return on assets | 0.6376% | 4,711 |
| Return on Equity (ROE) | 4.3307% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.3307% | 3,317 |
| Net charge-offs to loans | 0.0563% | 1,954 |
| Credit loss provision to net charge-offs | 387.0968% | 725 |
| Earnings coverage of net charge-offs (x) | 20.3226% | 1,469 |
| Efficiency ratio | 82.0462% | 1,366 |
| Assets per employee ($millions) | 4.2595% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 4,530 |
| Loan loss allowance to noncurrent loans | 261.8267% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,565 |
| Noncurrent loans to loans | 0.3871% | 4,051 |
| Net loans and leases to total assets | 58.9267% | 3,929 |
| Net loans and leases to deposits | 72.2252% | 3,628 |
| Net loans and leases to core deposits | 77.4521% | 3,552 |
| Total domestic deposits to total assets | 81.5875% | 4,332 |
| Equity capital to assets | 13.9223% | 1,015 |
| Core capital (leverage) ratio | 13.5060% | 980 |
| Tier 1 risk-based capital ratio | 24.1454% | 899 |
| Total risk-based capital ratio | 25.9132% | 826 |
| Memoranda: | ||
| Average total assets | $368,278,000 | 1,820 |
| Average earning assets | $344,282,500 | 1,810 |
| Average equity | $50,984,500 | 1,508 |
| Average total loans | $220,126,500 | 1,985 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 5,279 |
| Cost of funding earning assets | 0.4302% | 2,841 |
| Net interest margin | 2.9078% | 5,325 |
| Noninterest income to average assets | 0.9864% | 1,213 |
| Noninterest expense to average assets | 3.0509% | 2,381 |
| Loan and lease loss provision to assets | 0.0979% | 2,356 |
| Net operating income to assets | 0.4296% | 4,953 |
| Return on assets (ROA) | 0.5019% | 4,782 |
| Pretax return on assets | 0.6415% | 4,699 |
| Return on Equity (ROE) | 3.5652% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.5652% | 3,525 |
| Net charge-offs to loans | 0.1302% | 2,069 |
| Credit loss provision to net charge-offs | 126.8116% | 2,049 |
| Earnings coverage of net charge-offs (x) | 8.3768% | 2,958 |
| Efficiency ratio | 82.5087% | 1,340 |
| Assets per employee ($millions) | 4.2555% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,726 |
| Loan loss allowance to noncurrent loans | 384.0787% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,871 |
| Noncurrent loans to loans | 0.2545% | 4,521 |
| Net loans and leases to total assets | 59.4300% | 3,910 |
| Net loans and leases to deposits | 72.9406% | 3,620 |
| Net loans and leases to core deposits | 77.9062% | 3,557 |
| Total domestic deposits to total assets | 81.4773% | 4,345 |
| Equity capital to assets | 13.7648% | 1,015 |
| Core capital (leverage) ratio | 13.5330% | 953 |
| Tier 1 risk-based capital ratio | 24.2234% | 897 |
| Total risk-based capital ratio | 25.8816% | 834 |
| Memoranda: | ||
| Average total assets | $357,462,800 | 1,835 |
| Average earning assets | $333,308,800 | 1,821 |
| Average equity | $50,319,800 | 1,477 |
| Average total loans | $212,015,400 | 1,981 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3431% | 5,336 |
| Cost of funding earning assets | 0.4268% | 2,942 |
| Net interest margin | 2.9162% | 5,378 |
| Noninterest income to average assets | 0.9489% | 1,320 |
| Noninterest expense to average assets | 3.0401% | 2,397 |
| Loan and lease loss provision to assets | 0.0844% | 2,481 |
| Net operating income to assets | 0.4331% | 5,036 |
| Return on assets (ROA) | 0.5219% | 4,802 |
| Pretax return on assets | 0.6555% | 4,814 |
| Return on Equity (ROE) | 3.6867% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.6867% | 3,844 |
| Net charge-offs to loans | 0.1402% | 1,719 |
| Credit loss provision to net charge-offs | 101.8100% | 2,223 |
| Earnings coverage of net charge-offs (x) | 7.5837% | 2,898 |
| Efficiency ratio | 82.8595% | 1,283 |
| Assets per employee ($millions) | 4.1388% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 4,837 |
| Loan loss allowance to noncurrent loans | 299.2795% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,858 |
| Noncurrent loans to loans | 0.3276% | 4,434 |
| Net loans and leases to total assets | 58.9346% | 4,019 |
| Net loans and leases to deposits | 72.3386% | 3,729 |
| Net loans and leases to core deposits | 77.0054% | 3,691 |
| Total domestic deposits to total assets | 81.4705% | 4,342 |
| Equity capital to assets | 14.0956% | 989 |
| Core capital (leverage) ratio | 13.5986% | 975 |
| Tier 1 risk-based capital ratio | 23.6861% | 981 |
| Total risk-based capital ratio | 25.1330% | 944 |
| Memoranda: | ||
| Average total assets | $355,334,250 | 1,857 |
| Average earning assets | $331,424,500 | 1,843 |
| Average equity | $50,305,750 | 1,485 |
| Average total loans | $210,107,500 | 2,005 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3203% | 5,395 |
| Cost of funding earning assets | 0.4234% | 3,003 |
| Net interest margin | 2.8969% | 5,449 |
| Noninterest income to average assets | 0.9219% | 1,381 |
| Noninterest expense to average assets | 3.0146% | 2,509 |
| Loan and lease loss provision to assets | 0.0845% | 2,429 |
| Net operating income to assets | 0.3925% | 5,158 |
| Return on assets (ROA) | 0.5176% | 4,798 |
| Pretax return on assets | 0.6871% | 4,699 |
| Return on Equity (ROE) | 3.6504% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,701 |
| Net charge-offs to loans | 0.0582% | 2,560 |
| Credit loss provision to net charge-offs | 245.9016% | 1,066 |
| Earnings coverage of net charge-offs (x) | 17.6066% | 1,847 |
| Efficiency ratio | 83.2892% | 1,341 |
| Assets per employee ($millions) | 4.1859% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 4,805 |
| Loan loss allowance to noncurrent loans | 230.0000% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 4,810 |
| Noncurrent loans to loans | 0.4405% | 4,161 |
| Net loans and leases to total assets | 59.3629% | 3,925 |
| Net loans and leases to deposits | 73.1334% | 3,603 |
| Net loans and leases to core deposits | 77.7555% | 3,605 |
| Total domestic deposits to total assets | 81.1708% | 4,559 |
| Equity capital to assets | 14.1443% | 938 |
| Core capital (leverage) ratio | 13.4580% | 999 |
| Tier 1 risk-based capital ratio | 23.2090% | 1,050 |
| Total risk-based capital ratio | 24.8035% | 988 |
| Memoranda: | ||
| Average total assets | $355,134,000 | 1,872 |
| Average earning assets | $330,694,330 | 1,858 |
| Average equity | $50,350,670 | 1,484 |
| Average total loans | $209,528,000 | 2,015 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3081% | 5,432 |
| Cost of funding earning assets | 0.4172% | 3,112 |
| Net interest margin | 2.8910% | 5,475 |
| Noninterest income to average assets | 0.8692% | 1,502 |
| Noninterest expense to average assets | 3.0676% | 2,371 |
| Loan and lease loss provision to assets | 0.0846% | 2,285 |
| Net operating income to assets | 0.3174% | 5,348 |
| Return on assets (ROA) | 0.4340% | 5,053 |
| Pretax return on assets | 0.5524% | 5,039 |
| Return on Equity (ROE) | 3.0578% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.0578% | 4,142 |
| Net charge-offs to loans | -0.0173% | 4,979 |
| Credit loss provision to net charge-offs | -833.3333% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2441% | 1,162 |
| Assets per employee ($millions) | 4.1860% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,887 |
| Loan loss allowance to noncurrent loans | 314.8905% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,034 |
| Noncurrent loans to loans | 0.3262% | 4,624 |
| Net loans and leases to total assets | 57.7412% | 3,986 |
| Net loans and leases to deposits | 71.5818% | 3,580 |
| Net loans and leases to core deposits | 75.9864% | 3,601 |
| Total domestic deposits to total assets | 80.6646% | 4,899 |
| Equity capital to assets | 14.0523% | 972 |
| Core capital (leverage) ratio | 13.3987% | 1,011 |
| Tier 1 risk-based capital ratio | 23.0314% | 1,101 |
| Total risk-based capital ratio | 24.7057% | 1,027 |
| Memoranda: | ||
| Average total assets | $354,799,500 | 1,874 |
| Average earning assets | $329,855,500 | 1,865 |
| Average equity | $50,363,000 | 1,490 |
| Average total loans | $207,603,500 | 2,030 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2642% | 5,753 |
| Cost of funding earning assets | 0.3760% | 3,960 |
| Net interest margin | 2.8883% | 5,668 |
| Noninterest income to average assets | 1.0164% | 1,179 |
| Noninterest expense to average assets | 3.1423% | 2,387 |
| Loan and lease loss provision to assets | 0.0516% | 3,526 |
| Net operating income to assets | 0.3936% | 5,243 |
| Return on assets (ROA) | 0.4631% | 5,047 |
| Pretax return on assets | 0.6087% | 4,916 |
| Return on Equity (ROE) | 3.2299% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.2299% | 3,931 |
| Net charge-offs to loans | 0.1543% | 2,496 |
| Credit loss provision to net charge-offs | 58.9226% | 3,308 |
| Earnings coverage of net charge-offs (x) | 6.4983% | 3,187 |
| Efficiency ratio | 84.6704% | 1,327 |
| Assets per employee ($millions) | 4.0184% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,989 |
| Loan loss allowance to noncurrent loans | 283.1967% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,115 |
| Noncurrent loans to loans | 0.3568% | 4,581 |
| Net loans and leases to total assets | 58.0977% | 4,035 |
| Net loans and leases to deposits | 72.6023% | 3,610 |
| Net loans and leases to core deposits | 77.1050% | 3,602 |
| Total domestic deposits to total assets | 80.0218% | 5,010 |
| Equity capital to assets | 14.3415% | 860 |
| Core capital (leverage) ratio | 13.7187% | 897 |
| Tier 1 risk-based capital ratio | 25.1957% | 822 |
| Total risk-based capital ratio | 27.0423% | 760 |
| Memoranda: | ||
| Average total assets | $339,241,200 | 1,918 |
| Average earning assets | $316,523,200 | 1,896 |
| Average equity | $48,639,200 | 1,481 |
| Average total loans | $192,518,000 | 2,092 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,828 |
| Cost of funding earning assets | 0.3713% | 4,115 |
| Net interest margin | 2.8874% | 5,726 |
| Noninterest income to average assets | 1.0273% | 1,168 |
| Noninterest expense to average assets | 3.1628% | 2,286 |
| Loan and lease loss provision to assets | 0.0693% | 2,961 |
| Net operating income to assets | 0.3717% | 5,362 |
| Return on assets (ROA) | 0.4602% | 5,108 |
| Pretax return on assets | 0.6067% | 5,008 |
| Return on Equity (ROE) | 3.2100% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.2100% | 4,348 |
| Net charge-offs to loans | 0.1359% | 2,435 |
| Credit loss provision to net charge-offs | 90.6736% | 2,418 |
| Earnings coverage of net charge-offs (x) | 7.3211% | 2,941 |
| Efficiency ratio | 84.9665% | 1,289 |
| Assets per employee ($millions) | 3.9574% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 4,654 |
| Loan loss allowance to noncurrent loans | 318.7408% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 5,419 |
| Noncurrent loans to loans | 0.3516% | 4,853 |
| Net loans and leases to total assets | 56.4335% | 4,274 |
| Net loans and leases to deposits | 68.6227% | 4,067 |
| Net loans and leases to core deposits | 73.1146% | 4,037 |
| Total domestic deposits to total assets | 82.2373% | 4,402 |
| Equity capital to assets | 14.4034% | 878 |
| Core capital (leverage) ratio | 13.8550% | 882 |
| Tier 1 risk-based capital ratio | 26.2277% | 765 |
| Total risk-based capital ratio | 28.0665% | 703 |
| Memoranda: | ||
| Average total assets | $336,651,250 | 1,946 |
| Average earning assets | $314,226,750 | 1,916 |
| Average equity | $48,264,500 | 1,497 |
| Average total loans | $189,351,750 | 2,138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2214% | 5,922 |
| Cost of funding earning assets | 0.3694% | 4,218 |
| Net interest margin | 2.8520% | 5,814 |
| Noninterest income to average assets | 0.9946% | 1,216 |
| Noninterest expense to average assets | 3.1405% | 2,357 |
| Loan and lease loss provision to assets | 0.1043% | 2,279 |
| Net operating income to assets | 0.3189% | 5,500 |
| Return on assets (ROA) | 0.4263% | 5,195 |
| Pretax return on assets | 0.5486% | 5,138 |
| Return on Equity (ROE) | 2.9784% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.9784% | 4,305 |
| Net charge-offs to loans | 0.2088% | 1,770 |
| Credit loss provision to net charge-offs | 89.2857% | 2,190 |
| Earnings coverage of net charge-offs (x) | 4.4082% | 3,111 |
| Efficiency ratio | 85.9077% | 1,279 |
| Assets per employee ($millions) | 3.9479% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 4,742 |
| Loan loss allowance to noncurrent loans | 296.9945% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 5,399 |
| Noncurrent loans to loans | 0.3819% | 4,847 |
| Net loans and leases to total assets | 56.4693% | 4,208 |
| Net loans and leases to deposits | 67.4291% | 4,118 |
| Net loans and leases to core deposits | 71.3712% | 4,116 |
| Total domestic deposits to total assets | 83.7462% | 4,016 |
| Equity capital to assets | 14.6271% | 787 |
| Core capital (leverage) ratio | 13.7523% | 901 |
| Tier 1 risk-based capital ratio | 26.0155% | 773 |
| Total risk-based capital ratio | 27.8831% | 710 |
| Memoranda: | ||
| Average total assets | $335,422,670 | 1,949 |
| Average earning assets | $312,973,330 | 1,921 |
| Average equity | $48,012,670 | 1,491 |
| Average total loans | $187,722,000 | 2,150 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2140% | 5,983 |
| Cost of funding earning assets | 0.3682% | 4,339 |
| Net interest margin | 2.8458% | 5,854 |
| Noninterest income to average assets | 0.9733% | 1,190 |
| Noninterest expense to average assets | 3.1895% | 2,267 |
| Loan and lease loss provision to assets | 0.1252% | 1,933 |
| Net operating income to assets | 0.2569% | 5,642 |
| Return on assets (ROA) | 0.3459% | 5,389 |
| Pretax return on assets | 0.4222% | 5,379 |
| Return on Equity (ROE) | 2.4433% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.4433% | 4,605 |
| Net charge-offs to loans | 0.0969% | 2,199 |
| Credit loss provision to net charge-offs | 233.3333% | 940 |
| Earnings coverage of net charge-offs (x) | 8.1778% | 2,049 |
| Efficiency ratio | 87.9027% | 1,238 |
| Assets per employee ($millions) | 3.9409% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,561 |
| Loan loss allowance to noncurrent loans | 304.3185% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 5,493 |
| Noncurrent loans to loans | 0.4000% | 4,933 |
| Net loans and leases to total assets | 54.6324% | 4,332 |
| Net loans and leases to deposits | 64.9320% | 4,217 |
| Net loans and leases to core deposits | 68.8766% | 4,224 |
| Total domestic deposits to total assets | 84.1379% | 4,228 |
| Equity capital to assets | 14.2849% | 836 |
| Core capital (leverage) ratio | 13.7281% | 914 |
| Tier 1 risk-based capital ratio | 26.2638% | 766 |
| Total risk-based capital ratio | 28.1068% | 710 |
| Memoranda: | ||
| Average total assets | $335,349,000 | 1,953 |
| Average earning assets | $312,883,000 | 1,924 |
| Average equity | $47,477,000 | 1,501 |
| Average total loans | $185,749,000 | 2,175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2761% | 6,037 |
| Cost of funding earning assets | 0.4058% | 4,583 |
| Net interest margin | 2.8703% | 5,854 |
| Noninterest income to average assets | 1.0495% | 1,276 |
| Noninterest expense to average assets | 2.9871% | 3,088 |
| Loan and lease loss provision to assets | 0.1424% | 2,525 |
| Net operating income to assets | 0.4135% | 5,100 |
| Return on assets (ROA) | 0.5064% | 4,835 |
| Pretax return on assets | 0.7259% | 4,436 |
| Return on Equity (ROE) | 3.6857% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.6857% | 3,597 |
| Net charge-offs to loans | 0.1314% | 3,495 |
| Credit loss provision to net charge-offs | 195.9184% | 1,171 |
| Earnings coverage of net charge-offs (x) | 10.1224% | 2,414 |
| Efficiency ratio | 80.2390% | 2,116 |
| Assets per employee ($millions) | 3.9497% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 4,766 |
| Loan loss allowance to noncurrent loans | 235.2626% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 5,426 |
| Noncurrent loans to loans | 0.5010% | 4,742 |
| Net loans and leases to total assets | 54.8199% | 4,488 |
| Net loans and leases to deposits | 66.2984% | 4,266 |
| Net loans and leases to core deposits | 70.5251% | 4,241 |
| Total domestic deposits to total assets | 82.6866% | 4,643 |
| Equity capital to assets | 14.0303% | 889 |
| Core capital (leverage) ratio | 13.4169% | 984 |
| Tier 1 risk-based capital ratio | 26.1660% | 762 |
| Total risk-based capital ratio | 28.0082% | 689 |
| Memoranda: | ||
| Average total assets | $337,113,800 | 1,904 |
| Average earning assets | $313,974,200 | 1,886 |
| Average equity | $46,314,200 | 1,510 |
| Average total loans | $186,486,400 | 2,140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 6,100 |
| Cost of funding earning assets | 0.4105% | 4,724 |
| Net interest margin | 2.8640% | 5,888 |
| Noninterest income to average assets | 1.0553% | 1,313 |
| Noninterest expense to average assets | 2.9913% | 3,024 |
| Loan and lease loss provision to assets | 0.1422% | 2,508 |
| Net operating income to assets | 0.4053% | 5,227 |
| Return on assets (ROA) | 0.5053% | 4,934 |
| Pretax return on assets | 0.7325% | 4,568 |
| Return on Equity (ROE) | 3.6977% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.6977% | 4,070 |
| Net charge-offs to loans | 0.1458% | 3,089 |
| Credit loss provision to net charge-offs | 176.4706% | 1,365 |
| Earnings coverage of net charge-offs (x) | 9.0540% | 2,533 |
| Efficiency ratio | 80.3886% | 2,044 |
| Assets per employee ($millions) | 4.0024% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,198 |
| Loan loss allowance to noncurrent loans | 257.4209% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 5,728 |
| Noncurrent loans to loans | 0.4397% | 5,096 |
| Net loans and leases to total assets | 53.6932% | 4,664 |
| Net loans and leases to deposits | 65.2668% | 4,377 |
| Net loans and leases to core deposits | 69.0684% | 4,425 |
| Total domestic deposits to total assets | 82.2672% | 4,842 |
| Equity capital to assets | 13.6105% | 1,074 |
| Core capital (leverage) ratio | 13.4095% | 1,059 |
| Tier 1 risk-based capital ratio | 25.7154% | 807 |
| Total risk-based capital ratio | 27.3563% | 765 |
| Memoranda: | ||
| Average total assets | $337,461,500 | 1,916 |
| Average earning assets | $314,093,250 | 1,904 |
| Average equity | $46,117,000 | 1,533 |
| Average total loans | $186,548,500 | 2,135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3119% | 6,067 |
| Cost of funding earning assets | 0.4194% | 4,757 |
| Net interest margin | 2.8925% | 5,812 |
| Noninterest income to average assets | 1.0214% | 1,468 |
| Noninterest expense to average assets | 3.0231% | 2,926 |
| Loan and lease loss provision to assets | 0.1432% | 2,542 |
| Net operating income to assets | 0.3767% | 5,301 |
| Return on assets (ROA) | 0.4982% | 4,984 |
| Pretax return on assets | 0.7219% | 4,608 |
| Return on Equity (ROE) | 3.6405% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.6405% | 3,994 |
| Net charge-offs to loans | 0.0783% | 3,596 |
| Credit loss provision to net charge-offs | 328.7671% | 790 |
| Earnings coverage of net charge-offs (x) | 15.8219% | 1,708 |
| Efficiency ratio | 81.4368% | 1,970 |
| Assets per employee ($millions) | 3.9098% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,317 |
| Loan loss allowance to noncurrent loans | 164.7560% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 5,334 |
| Noncurrent loans to loans | 0.6859% | 4,566 |
| Net loans and leases to total assets | 55.3465% | 4,394 |
| Net loans and leases to deposits | 64.6240% | 4,419 |
| Net loans and leases to core deposits | 70.3439% | 4,230 |
| Total domestic deposits to total assets | 85.6439% | 3,558 |
| Equity capital to assets | 13.5308% | 1,118 |
| Core capital (leverage) ratio | 13.2806% | 1,060 |
| Tier 1 risk-based capital ratio | 25.8505% | 789 |
| Total risk-based capital ratio | 27.4693% | 737 |
| Memoranda: | ||
| Average total assets | $335,214,000 | 1,935 |
| Average earning assets | $311,842,000 | 1,917 |
| Average equity | $45,873,330 | 1,545 |
| Average total loans | $186,421,330 | 2,141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3365% | 6,073 |
| Cost of funding earning assets | 0.4214% | 4,898 |
| Net interest margin | 2.9151% | 5,783 |
| Noninterest income to average assets | 0.9871% | 1,497 |
| Noninterest expense to average assets | 3.0176% | 2,933 |
| Loan and lease loss provision to assets | 0.1434% | 2,450 |
| Net operating income to assets | 0.3729% | 5,248 |
| Return on assets (ROA) | 0.4314% | 5,153 |
| Pretax return on assets | 0.6131% | 4,899 |
| Return on Equity (ROE) | 3.1349% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.1349% | 4,391 |
| Net charge-offs to loans | 0.1272% | 2,656 |
| Credit loss provision to net charge-offs | 203.3898% | 1,071 |
| Earnings coverage of net charge-offs (x) | 9.5424% | 1,822 |
| Efficiency ratio | 81.7681% | 2,075 |
| Assets per employee ($millions) | 3.9524% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,653 |
| Loan loss allowance to noncurrent loans | 177.2807% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 5,540 |
| Noncurrent loans to loans | 0.6139% | 4,910 |
| Net loans and leases to total assets | 54.0392% | 4,412 |
| Net loans and leases to deposits | 64.4807% | 4,258 |
| Net loans and leases to core deposits | 70.2587% | 4,047 |
| Total domestic deposits to total assets | 83.8067% | 4,554 |
| Equity capital to assets | 13.6508% | 1,160 |
| Core capital (leverage) ratio | 13.3563% | 997 |
| Tier 1 risk-based capital ratio | 24.8340% | 910 |
| Total risk-based capital ratio | 26.3664% | 861 |
| Memoranda: | ||
| Average total assets | $334,701,000 | 1,960 |
| Average earning assets | $310,387,500 | 1,957 |
| Average equity | $46,062,000 | 1,556 |
| Average total loans | $185,520,000 | 2,161 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 5,934 |
| Cost of funding earning assets | 0.5248% | 5,027 |
| Net interest margin | 3.2306% | 5,489 |
| Noninterest income to average assets | 1.0505% | 1,405 |
| Noninterest expense to average assets | 3.0411% | 3,131 |
| Loan and lease loss provision to assets | 0.1453% | 3,791 |
| Net operating income to assets | 0.6023% | 4,228 |
| Return on assets (ROA) | 0.6132% | 4,436 |
| Pretax return on assets | 0.9037% | 3,904 |
| Return on Equity (ROE) | 4.5065% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.5065% | 3,061 |
| Net charge-offs to loans | 0.1475% | 4,214 |
| Credit loss provision to net charge-offs | 180.4511% | 1,457 |
| Earnings coverage of net charge-offs (x) | 12.8308% | 1,893 |
| Efficiency ratio | 74.6453% | 2,963 |
| Assets per employee ($millions) | 3.9226% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,731 |
| Loan loss allowance to noncurrent loans | 257.2178% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 5,933 |
| Noncurrent loans to loans | 0.4111% | 5,456 |
| Net loans and leases to total assets | 55.6537% | 4,354 |
| Net loans and leases to deposits | 65.5017% | 4,356 |
| Net loans and leases to core deposits | 71.3459% | 4,125 |
| Total domestic deposits to total assets | 84.9652% | 3,880 |
| Equity capital to assets | 13.8770% | 1,091 |
| Core capital (leverage) ratio | 13.2710% | 1,026 |
| Tier 1 risk-based capital ratio | 25.7841% | 785 |
| Total risk-based capital ratio | 27.1381% | 771 |
| Memoranda: | ||
| Average total assets | $330,403,600 | 1,951 |
| Average earning assets | $309,234,200 | 1,913 |
| Average equity | $44,957,200 | 1,547 |
| Average total loans | $180,325,200 | 2,199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 6,019 |
| Cost of funding earning assets | 0.5478% | 5,104 |
| Net interest margin | 3.2546% | 5,529 |
| Noninterest income to average assets | 1.0223% | 1,451 |
| Noninterest expense to average assets | 3.0547% | 3,041 |
| Loan and lease loss provision to assets | 0.1452% | 3,719 |
| Net operating income to assets | 0.5900% | 4,437 |
| Return on assets (ROA) | 0.6045% | 4,639 |
| Pretax return on assets | 0.8912% | 4,147 |
| Return on Equity (ROE) | 4.4646% | 5,058 |
| Retained earnings to average equity (ytd only) | 4.4646% | 3,754 |
| Net charge-offs to loans | 0.1765% | 3,701 |
| Credit loss provision to net charge-offs | 151.8987% | 1,854 |
| Earnings coverage of net charge-offs (x) | 10.6203% | 2,170 |
| Efficiency ratio | 75.0595% | 2,815 |
| Assets per employee ($millions) | 3.8139% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,041 |
| Loan loss allowance to noncurrent loans | 648.9583% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,467 |
| Noncurrent loans to loans | 0.1556% | 6,221 |
| Net loans and leases to total assets | 55.8514% | 4,481 |
| Net loans and leases to deposits | 65.7930% | 4,494 |
| Net loans and leases to core deposits | 71.7984% | 4,279 |
| Total domestic deposits to total assets | 84.8896% | 3,794 |
| Equity capital to assets | 13.9558% | 1,173 |
| Core capital (leverage) ratio | 13.0921% | 1,153 |
| Tier 1 risk-based capital ratio | 25.1745% | 889 |
| Total risk-based capital ratio | 26.4443% | 880 |
| Memoranda: | ||
| Average total assets | $330,630,750 | 1,966 |
| Average earning assets | $309,588,750 | 1,931 |
| Average equity | $44,765,500 | 1,573 |
| Average total loans | $179,072,500 | 2,242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 6,075 |
| Cost of funding earning assets | 0.5827% | 5,051 |
| Net interest margin | 3.2446% | 5,610 |
| Noninterest income to average assets | 1.0147% | 1,421 |
| Noninterest expense to average assets | 3.1028% | 2,920 |
| Loan and lease loss provision to assets | 0.1448% | 3,709 |
| Net operating income to assets | 0.5507% | 4,581 |
| Return on assets (ROA) | 0.5671% | 4,785 |
| Pretax return on assets | 0.8283% | 4,366 |
| Return on Equity (ROE) | 4.2314% | 5,165 |
| Retained earnings to average equity (ytd only) | 4.2314% | 3,796 |
| Net charge-offs to loans | 0.2440% | 3,107 |
| Credit loss provision to net charge-offs | 111.1111% | 2,444 |
| Earnings coverage of net charge-offs (x) | 7.2824% | 2,507 |
| Efficiency ratio | 76.5783% | 2,657 |
| Assets per employee ($millions) | 3.9193% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,207 |
| Loan loss allowance to noncurrent loans | 332.0826% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 6,354 |
| Noncurrent loans to loans | 0.2973% | 5,966 |
| Net loans and leases to total assets | 53.2794% | 4,917 |
| Net loans and leases to deposits | 62.3979% | 4,952 |
| Net loans and leases to core deposits | 68.1878% | 4,762 |
| Total domestic deposits to total assets | 85.3865% | 3,671 |
| Equity capital to assets | 13.4996% | 1,305 |
| Core capital (leverage) ratio | 12.8532% | 1,193 |
| Tier 1 risk-based capital ratio | 25.1638% | 888 |
| Total risk-based capital ratio | 26.3580% | 874 |
| Memoranda: | ||
| Average total assets | $331,510,330 | 1,961 |
| Average earning assets | $310,296,000 | 1,930 |
| Average equity | $44,429,330 | 1,572 |
| Average total loans | $177,077,670 | 2,273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 6,156 |
| Cost of funding earning assets | 0.5996% | 5,134 |
| Net interest margin | 3.2448% | 5,640 |
| Noninterest income to average assets | 0.9677% | 1,517 |
| Noninterest expense to average assets | 3.0663% | 3,036 |
| Loan and lease loss provision to assets | 0.1451% | 3,549 |
| Net operating income to assets | 0.5426% | 4,632 |
| Return on assets (ROA) | 0.5673% | 4,730 |
| Pretax return on assets | 0.8298% | 4,300 |
| Return on Equity (ROE) | 4.2484% | 5,164 |
| Retained earnings to average equity (ytd only) | 4.2484% | 4,038 |
| Net charge-offs to loans | 0.1296% | 3,329 |
| Credit loss provision to net charge-offs | 210.5263% | 1,293 |
| Earnings coverage of net charge-offs (x) | 13.6140% | 1,527 |
| Efficiency ratio | 76.5630% | 2,705 |
| Assets per employee ($millions) | 3.9761% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,171 |
| Loan loss allowance to noncurrent loans | 229.8602% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,089 |
| Noncurrent loans to loans | 0.4444% | 5,783 |
| Net loans and leases to total assets | 52.4871% | 4,950 |
| Net loans and leases to deposits | 61.9029% | 4,934 |
| Net loans and leases to core deposits | 67.4587% | 4,738 |
| Total domestic deposits to total assets | 84.7893% | 4,126 |
| Equity capital to assets | 13.3067% | 1,317 |
| Core capital (leverage) ratio | 12.8077% | 1,203 |
| Tier 1 risk-based capital ratio | 24.9059% | 916 |
| Total risk-based capital ratio | 26.1592% | 904 |
| Memoranda: | ||
| Average total assets | $330,693,500 | 1,970 |
| Average earning assets | $309,539,000 | 1,930 |
| Average equity | $44,157,500 | 1,573 |
| Average total loans | $175,983,000 | 2,292 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 6,608 |
| Cost of funding earning assets | 0.7006% | 5,536 |
| Net interest margin | 3.2040% | 6,080 |
| Noninterest income to average assets | 0.9999% | 1,367 |
| Noninterest expense to average assets | 3.0803% | 3,269 |
| Loan and lease loss provision to assets | 0.0958% | 5,395 |
| Net operating income to assets | 0.5550% | 4,211 |
| Return on assets (ROA) | 0.5710% | 4,329 |
| Pretax return on assets | 0.8311% | 3,864 |
| Return on Equity (ROE) | 4.4323% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.4323% | 3,018 |
| Net charge-offs to loans | 0.3678% | 3,562 |
| Credit loss provision to net charge-offs | 50.0000% | 5,421 |
| Earnings coverage of net charge-offs (x) | 4.7159% | 3,006 |
| Efficiency ratio | 77.3154% | 2,694 |
| Assets per employee ($millions) | 3.9927% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,226 |
| Loan loss allowance to noncurrent loans | 181.1203% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 6,093 |
| Noncurrent loans to loans | 0.5513% | 5,617 |
| Net loans and leases to total assets | 52.8745% | 5,183 |
| Net loans and leases to deposits | 62.4457% | 5,180 |
| Net loans and leases to core deposits | 68.1018% | 5,018 |
| Total domestic deposits to total assets | 84.6728% | 4,009 |
| Equity capital to assets | 13.4002% | 1,321 |
| Core capital (leverage) ratio | 12.5430% | 1,332 |
| Tier 1 risk-based capital ratio | 25.1463% | 855 |
| Total risk-based capital ratio | 26.3109% | 853 |
| Memoranda: | ||
| Average total assets | $328,736,400 | 1,963 |
| Average earning assets | $306,176,400 | 1,920 |
| Average equity | $42,348,600 | 1,588 |
| Average total loans | $171,296,600 | 2,362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 6,714 |
| Cost of funding earning assets | 0.7224% | 5,641 |
| Net interest margin | 3.1941% | 6,173 |
| Noninterest income to average assets | 0.9838% | 1,376 |
| Noninterest expense to average assets | 3.0599% | 3,319 |
| Loan and lease loss provision to assets | 0.0912% | 5,315 |
| Net operating income to assets | 0.5537% | 4,305 |
| Return on assets (ROA) | 0.5749% | 4,382 |
| Pretax return on assets | 0.8355% | 3,998 |
| Return on Equity (ROE) | 4.5081% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.5081% | 3,516 |
| Net charge-offs to loans | 0.1886% | 4,287 |
| Credit loss provision to net charge-offs | 93.3610% | 3,648 |
| Earnings coverage of net charge-offs (x) | 9.1742% | 2,086 |
| Efficiency ratio | 77.3533% | 2,635 |
| Assets per employee ($millions) | 3.9201% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 5,425 |
| Loan loss allowance to noncurrent loans | 218.9507% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 6,281 |
| Noncurrent loans to loans | 0.5521% | 5,760 |
| Net loans and leases to total assets | 49.5711% | 5,762 |
| Net loans and leases to deposits | 59.7604% | 5,658 |
| Net loans and leases to core deposits | 65.1056% | 5,514 |
| Total domestic deposits to total assets | 82.9497% | 4,705 |
| Equity capital to assets | 12.8103% | 1,711 |
| Core capital (leverage) ratio | 12.4844% | 1,443 |
| Tier 1 risk-based capital ratio | 24.5487% | 954 |
| Total risk-based capital ratio | 25.7711% | 939 |
| Memoranda: | ||
| Average total assets | $329,071,000 | 1,968 |
| Average earning assets | $306,178,750 | 1,930 |
| Average equity | $41,967,750 | 1,607 |
| Average total loans | $170,406,750 | 2,386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 6,731 |
| Cost of funding earning assets | 0.7475% | 5,687 |
| Net interest margin | 3.2082% | 6,136 |
| Noninterest income to average assets | 0.9890% | 1,351 |
| Noninterest expense to average assets | 3.1135% | 3,201 |
| Loan and lease loss provision to assets | 0.0919% | 5,171 |
| Net operating income to assets | 0.5450% | 4,324 |
| Return on assets (ROA) | 0.5674% | 4,348 |
| Pretax return on assets | 0.8168% | 3,961 |
| Return on Equity (ROE) | 4.4561% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.4561% | 3,357 |
| Net charge-offs to loans | 0.2412% | 3,675 |
| Credit loss provision to net charge-offs | 72.8155% | 3,990 |
| Earnings coverage of net charge-offs (x) | 6.9417% | 2,304 |
| Efficiency ratio | 78.0372% | 2,703 |
| Assets per employee ($millions) | 3.8589% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,589 |
| Loan loss allowance to noncurrent loans | 291.8486% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 6,507 |
| Noncurrent loans to loans | 0.4076% | 6,088 |
| Net loans and leases to total assets | 50.7709% | 5,724 |
| Net loans and leases to deposits | 59.6504% | 5,760 |
| Net loans and leases to core deposits | 64.6606% | 5,652 |
| Total domestic deposits to total assets | 85.1140% | 3,828 |
| Equity capital to assets | 12.9232% | 1,557 |
| Core capital (leverage) ratio | 12.4317% | 1,396 |
| Tier 1 risk-based capital ratio | 25.0129% | 902 |
| Total risk-based capital ratio | 26.4073% | 878 |
| Memoranda: | ||
| Average total assets | $326,386,000 | 1,992 |
| Average earning assets | $305,281,000 | 1,941 |
| Average equity | $41,561,330 | 1,614 |
| Average total loans | $170,821,670 | 2,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 6,722 |
| Cost of funding earning assets | 0.7638% | 5,779 |
| Net interest margin | 3.2220% | 6,006 |
| Noninterest income to average assets | 0.9362% | 1,520 |
| Noninterest expense to average assets | 3.1427% | 3,100 |
| Loan and lease loss provision to assets | 0.0921% | 4,863 |
| Net operating income to assets | 0.5165% | 4,424 |
| Return on assets (ROA) | 0.5050% | 4,555 |
| Pretax return on assets | 0.6966% | 4,313 |
| Return on Equity (ROE) | 3.9954% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.9954% | 3,779 |
| Net charge-offs to loans | 0.4443% | 2,362 |
| Credit loss provision to net charge-offs | 39.2670% | 3,967 |
| Earnings coverage of net charge-offs (x) | 3.4293% | 2,742 |
| Efficiency ratio | 79.6141% | 2,601 |
| Assets per employee ($millions) | 3.9210% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,906 |
| Loan loss allowance to noncurrent loans | 302.4883% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 6,485 |
| Noncurrent loans to loans | 0.3754% | 6,247 |
| Net loans and leases to total assets | 52.0291% | 5,581 |
| Net loans and leases to deposits | 61.5453% | 5,564 |
| Net loans and leases to core deposits | 66.9388% | 5,406 |
| Total domestic deposits to total assets | 84.5379% | 4,253 |
| Equity capital to assets | 12.6958% | 1,523 |
| Core capital (leverage) ratio | 12.3375% | 1,395 |
| Tier 1 risk-based capital ratio | 24.6328% | 918 |
| Total risk-based capital ratio | 25.9886% | 886 |
| Memoranda: | ||
| Average total assets | $325,575,500 | 2,004 |
| Average earning assets | $304,285,000 | 1,963 |
| Average equity | $41,147,500 | 1,622 |
| Average total loans | $171,964,000 | 2,409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 6,829 |
| Cost of funding earning assets | 1.0613% | 5,357 |
| Net interest margin | 3.2113% | 6,248 |
| Noninterest income to average assets | 0.9861% | 1,555 |
| Noninterest expense to average assets | 2.9910% | 3,881 |
| Loan and lease loss provision to assets | 0.0923% | 6,221 |
| Net operating income to assets | 0.6104% | 3,626 |
| Return on assets (ROA) | 0.6210% | 3,743 |
| Pretax return on assets | 0.9154% | 3,221 |
| Return on Equity (ROE) | 5.0561% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.0561% | 2,377 |
| Net charge-offs to loans | 0.4408% | 3,853 |
| Credit loss provision to net charge-offs | 39.2670% | 6,398 |
| Earnings coverage of net charge-offs (x) | 4.2212% | 3,013 |
| Efficiency ratio | 75.0946% | 3,189 |
| Assets per employee ($millions) | 3.9241% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 5,549 |
| Loan loss allowance to noncurrent loans | 741.3669% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 5,857 |
| Noncurrent loans to loans | 0.1610% | 6,746 |
| Net loans and leases to total assets | 52.3773% | 5,866 |
| Net loans and leases to deposits | 62.0215% | 5,847 |
| Net loans and leases to core deposits | 67.8450% | 5,677 |
| Total domestic deposits to total assets | 84.4503% | 4,148 |
| Equity capital to assets | 12.5811% | 1,583 |
| Core capital (leverage) ratio | 11.9755% | 1,565 |
| Tier 1 risk-based capital ratio | 24.1201% | 923 |
| Total risk-based capital ratio | 25.4505% | 896 |
| Memoranda: | ||
| Average total assets | $325,105,200 | 1,997 |
| Average earning assets | $303,396,800 | 1,960 |
| Average equity | $39,932,200 | 1,661 |
| Average total loans | $173,328,800 | 2,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 6,901 |
| Cost of funding earning assets | 1.1163% | 5,338 |
| Net interest margin | 3.2311% | 6,246 |
| Noninterest income to average assets | 0.9765% | 1,531 |
| Noninterest expense to average assets | 2.9755% | 3,837 |
| Loan and lease loss provision to assets | 0.0923% | 6,110 |
| Net operating income to assets | 0.6174% | 3,806 |
| Return on assets (ROA) | 0.6315% | 3,914 |
| Pretax return on assets | 0.9425% | 3,397 |
| Return on Equity (ROE) | 5.1724% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.1724% | 2,861 |
| Net charge-offs to loans | 0.4457% | 3,527 |
| Credit loss provision to net charge-offs | 38.7931% | 6,033 |
| Earnings coverage of net charge-offs (x) | 4.2604% | 3,132 |
| Efficiency ratio | 74.5860% | 3,217 |
| Assets per employee ($millions) | 3.8874% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,211 |
| Loan loss allowance to noncurrent loans | 907.9498% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 6,125 |
| Noncurrent loans to loans | 0.1380% | 6,902 |
| Net loans and leases to total assets | 51.7456% | 6,129 |
| Net loans and leases to deposits | 61.6232% | 6,158 |
| Net loans and leases to core deposits | 67.9810% | 5,943 |
| Total domestic deposits to total assets | 83.9710% | 4,142 |
| Equity capital to assets | 12.3907% | 1,919 |
| Core capital (leverage) ratio | 11.8802% | 1,726 |
| Tier 1 risk-based capital ratio | 23.7526% | 976 |
| Total risk-based capital ratio | 25.0121% | 950 |
| Memoranda: | ||
| Average total assets | $324,955,500 | 2,028 |
| Average earning assets | $303,008,750 | 1,988 |
| Average equity | $39,671,000 | 1,680 |
| Average total loans | $173,497,000 | 2,469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 6,773 |
| Cost of funding earning assets | 1.1738% | 5,272 |
| Net interest margin | 3.2899% | 6,048 |
| Noninterest income to average assets | 0.9526% | 1,511 |
| Noninterest expense to average assets | 2.9839% | 3,762 |
| Loan and lease loss provision to assets | 0.0928% | 5,989 |
| Net operating income to assets | 0.6229% | 3,767 |
| Return on assets (ROA) | 0.6437% | 3,805 |
| Pretax return on assets | 0.9693% | 3,239 |
| Return on Equity (ROE) | 5.2997% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.2997% | 2,726 |
| Net charge-offs to loans | 0.6497% | 2,597 |
| Credit loss provision to net charge-offs | 26.5957% | 5,784 |
| Earnings coverage of net charge-offs (x) | 2.9521% | 3,521 |
| Efficiency ratio | 74.3293% | 3,405 |
| Assets per employee ($millions) | 3.9333% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 6,313 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.0830% | 6,203 |
| Net loans and leases to deposits | 62.0335% | 6,231 |
| Net loans and leases to core deposits | 66.9858% | 6,157 |
| Total domestic deposits to total assets | 83.9594% | 4,122 |
| Equity capital to assets | 12.3170% | 1,919 |
| Core capital (leverage) ratio | 11.7940% | 1,761 |
| Tier 1 risk-based capital ratio | 23.3974% | 1,010 |
| Total risk-based capital ratio | 24.6480% | 985 |
| Memoranda: | ||
| Average total assets | $323,132,000 | 2,053 |
| Average earning assets | $300,740,000 | 2,023 |
| Average equity | $39,247,330 | 1,692 |
| Average total loans | $173,612,330 | 2,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 6,693 |
| Cost of funding earning assets | 1.2097% | 5,349 |
| Net interest margin | 3.3346% | 5,845 |
| Noninterest income to average assets | 0.9058% | 1,602 |
| Noninterest expense to average assets | 3.0236% | 3,585 |
| Loan and lease loss provision to assets | 0.0933% | 5,698 |
| Net operating income to assets | 0.5839% | 3,971 |
| Return on assets (ROA) | 0.6184% | 3,949 |
| Pretax return on assets | 0.9419% | 3,310 |
| Return on Equity (ROE) | 5.1282% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.1282% | 3,081 |
| Net charge-offs to loans | 1.1632% | 1,450 |
| Credit loss provision to net charge-offs | 14.7929% | 5,000 |
| Earnings coverage of net charge-offs (x) | 1.5582% | 3,797 |
| Efficiency ratio | 75.4658% | 3,307 |
| Assets per employee ($millions) | 3.6484% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,465 |
| Loan loss allowance to noncurrent loans | 411.1984% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,777 |
| Noncurrent loans to loans | 0.2937% | 6,737 |
| Net loans and leases to total assets | 52.7357% | 6,192 |
| Net loans and leases to deposits | 63.2933% | 6,138 |
| Net loans and leases to core deposits | 68.2329% | 6,073 |
| Total domestic deposits to total assets | 83.3196% | 4,466 |
| Equity capital to assets | 12.0671% | 2,009 |
| Core capital (leverage) ratio | 11.9328% | 1,675 |
| Tier 1 risk-based capital ratio | 22.5620% | 1,141 |
| Total risk-based capital ratio | 23.8413% | 1,111 |
| Memoranda: | ||
| Average total assets | $321,468,000 | 2,115 |
| Average earning assets | $298,923,500 | 2,083 |
| Average equity | $38,766,000 | 1,728 |
| Average total loans | $174,348,000 | 2,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 6,439 |
| Cost of funding earning assets | 1.7347% | 4,336 |
| Net interest margin | 3.2634% | 5,879 |
| Noninterest income to average assets | 1.0315% | 1,463 |
| Noninterest expense to average assets | 3.2386% | 3,242 |
| Loan and lease loss provision to assets | 0.0826% | 6,783 |
| Net operating income to assets | 0.5127% | 3,679 |
| Return on assets (ROA) | 0.5096% | 3,780 |
| Pretax return on assets | 0.7438% | 3,431 |
| Return on Equity (ROE) | 4.1824% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.1824% | 2,293 |
| Net charge-offs to loans | 0.0562% | 6,538 |
| Credit loss provision to net charge-offs | 252.4752% | 1,400 |
| Earnings coverage of net charge-offs (x) | 25.3960% | 878 |
| Efficiency ratio | 79.5813% | 2,944 |
| Assets per employee ($millions) | 3.8340% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,032 |
| Loan loss allowance to noncurrent loans | 162.9032% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 5,024 |
| Noncurrent loans to loans | 0.8839% | 5,534 |
| Net loans and leases to total assets | 54.3136% | 6,167 |
| Net loans and leases to deposits | 65.1803% | 6,145 |
| Net loans and leases to core deposits | 79.8319% | 6,117 |
| Total domestic deposits to total assets | 83.3282% | 4,375 |
| Equity capital to assets | 12.0509% | 2,002 |
| Core capital (leverage) ratio | 11.7535% | 1,783 |
| Tier 1 risk-based capital ratio | 22.3020% | 1,120 |
| Total risk-based capital ratio | 23.5584% | 1,095 |
| Memoranda: | ||
| Average total assets | $308,685,600 | 2,169 |
| Average earning assets | $287,371,000 | 2,141 |
| Average equity | $37,609,800 | 1,782 |
| Average total loans | $179,583,800 | 2,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 6,336 |
| Cost of funding earning assets | 1.8223% | 4,275 |
| Net interest margin | 3.2583% | 5,798 |
| Noninterest income to average assets | 1.0234% | 1,518 |
| Noninterest expense to average assets | 3.2643% | 3,057 |
| Loan and lease loss provision to assets | 0.0784% | 6,584 |
| Net operating income to assets | 0.4896% | 4,026 |
| Return on assets (ROA) | 0.4827% | 4,158 |
| Pretax return on assets | 0.7030% | 3,848 |
| Return on Equity (ROE) | 3.9509% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.9509% | 3,069 |
| Net charge-offs to loans | 0.0635% | 6,064 |
| Credit loss provision to net charge-offs | 209.3023% | 2,105 |
| Earnings coverage of net charge-offs (x) | 21.1402% | 1,212 |
| Efficiency ratio | 80.4873% | 2,777 |
| Assets per employee ($millions) | 3.7237% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,047 |
| Loan loss allowance to noncurrent loans | 208.0169% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,212 |
| Noncurrent loans to loans | 0.6640% | 5,973 |
| Net loans and leases to total assets | 55.6013% | 6,185 |
| Net loans and leases to deposits | 66.8870% | 6,221 |
| Net loans and leases to core deposits | 82.6878% | 6,139 |
| Total domestic deposits to total assets | 83.1272% | 4,163 |
| Equity capital to assets | 12.0822% | 2,201 |
| Core capital (leverage) ratio | 11.8296% | 1,881 |
| Tier 1 risk-based capital ratio | 21.9761% | 1,228 |
| Total risk-based capital ratio | 23.2288% | 1,207 |
| Memoranda: | ||
| Average total assets | $306,300,500 | 2,191 |
| Average earning assets | $285,048,750 | 2,170 |
| Average equity | $37,425,000 | 1,814 |
| Average total loans | $180,638,500 | 2,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 5,946 |
| Cost of funding earning assets | 1.8845% | 4,350 |
| Net interest margin | 3.3484% | 5,370 |
| Noninterest income to average assets | 1.0063% | 1,576 |
| Noninterest expense to average assets | 3.3424% | 2,815 |
| Loan and lease loss provision to assets | 0.0693% | 6,508 |
| Net operating income to assets | 0.4869% | 4,134 |
| Return on assets (ROA) | 0.4728% | 4,321 |
| Pretax return on assets | 0.6854% | 4,051 |
| Return on Equity (ROE) | 3.8544% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.8544% | 3,143 |
| Net charge-offs to loans | 0.0717% | 5,505 |
| Credit loss provision to net charge-offs | 161.5385% | 2,845 |
| Earnings coverage of net charge-offs (x) | 18.0615% | 1,433 |
| Efficiency ratio | 81.1738% | 2,857 |
| Assets per employee ($millions) | 3.7773% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,029 |
| Loan loss allowance to noncurrent loans | 1,525.9494% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 5,892 |
| Noncurrent loans to loans | 0.0879% | 7,304 |
| Net loans and leases to total assets | 56.5740% | 6,144 |
| Net loans and leases to deposits | 67.8736% | 6,209 |
| Net loans and leases to core deposits | 85.4131% | 5,973 |
| Total domestic deposits to total assets | 83.3520% | 4,089 |
| Equity capital to assets | 11.8546% | 2,291 |
| Core capital (leverage) ratio | 11.8028% | 1,918 |
| Tier 1 risk-based capital ratio | 21.7143% | 1,297 |
| Total risk-based capital ratio | 22.9664% | 1,268 |
| Memoranda: | ||
| Average total assets | $302,895,330 | 2,239 |
| Average earning assets | $281,447,330 | 2,213 |
| Average equity | $37,152,670 | 1,837 |
| Average total loans | $181,367,330 | 2,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 5,894 |
| Cost of funding earning assets | 1.9031% | 4,616 |
| Net interest margin | 3.3967% | 5,152 |
| Noninterest income to average assets | 0.9691% | 1,569 |
| Noninterest expense to average assets | 3.2623% | 2,762 |
| Loan and lease loss provision to assets | 0.0605% | 6,200 |
| Net operating income to assets | 0.5484% | 4,224 |
| Return on assets (ROA) | 0.5484% | 4,405 |
| Pretax return on assets | 0.8011% | 4,072 |
| Return on Equity (ROE) | 4.3935% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.3935% | 3,471 |
| Net charge-offs to loans | 0.0329% | 5,054 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 42.7333% | 809 |
| Efficiency ratio | 79.1069% | 2,978 |
| Assets per employee ($millions) | 3.6369% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 3,970 |
| Loan loss allowance to noncurrent loans | 427.9857% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 5,412 |
| Noncurrent loans to loans | 0.3081% | 6,664 |
| Net loans and leases to total assets | 59.5291% | 5,730 |
| Net loans and leases to deposits | 71.8598% | 5,762 |
| Net loans and leases to core deposits | 91.2802% | 5,427 |
| Total domestic deposits to total assets | 82.8406% | 4,221 |
| Equity capital to assets | 12.3847% | 2,040 |
| Core capital (leverage) ratio | 12.0858% | 1,862 |
| Tier 1 risk-based capital ratio | 21.2834% | 1,405 |
| Total risk-based capital ratio | 22.5354% | 1,374 |
| Memoranda: | ||
| Average total assets | $297,585,500 | 2,284 |
| Average earning assets | $276,389,500 | 2,257 |
| Average equity | $37,146,000 | 1,841 |
| Average total loans | $182,161,500 | 2,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6635% | 6,890 |
| Cost of funding earning assets | 2.0977% | 6,062 |
| Net interest margin | 3.5659% | 5,034 |
| Noninterest income to average assets | 1.0048% | 1,559 |
| Noninterest expense to average assets | 3.2343% | 3,208 |
| Loan and lease loss provision to assets | 0.0424% | 6,884 |
| Net operating income to assets | 0.7195% | 3,808 |
| Return on assets (ROA) | 0.4470% | 4,783 |
| Pretax return on assets | 0.6281% | 4,603 |
| Return on Equity (ROE) | 3.5109% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.5109% | 2,954 |
| Net charge-offs to loans | 0.0315% | 6,386 |
| Credit loss provision to net charge-offs | 206.8966% | 2,341 |
| Earnings coverage of net charge-offs (x) | 51.3966% | 749 |
| Efficiency ratio | 75.4165% | 3,338 |
| Assets per employee ($millions) | 3.6211% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 3,773 |
| Loan loss allowance to noncurrent loans | 405.9932% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,617 |
| Noncurrent loans to loans | 0.3205% | 6,412 |
| Net loans and leases to total assets | 61.3194% | 5,724 |
| Net loans and leases to deposits | 74.9713% | 5,735 |
| Net loans and leases to core deposits | 94.2695% | 5,429 |
| Total domestic deposits to total assets | 81.7904% | 4,280 |
| Equity capital to assets | 12.5831% | 1,973 |
| Core capital (leverage) ratio | 11.9753% | 1,977 |
| Tier 1 risk-based capital ratio | 21.0863% | 1,446 |
| Total risk-based capital ratio | 22.3384% | 1,414 |
| Memoranda: | ||
| Average total assets | $282,754,200 | 2,300 |
| Average earning assets | $260,384,400 | 2,290 |
| Average equity | $36,001,800 | 1,873 |
| Average total loans | $184,050,200 | 2,459 |