Home > Belmont Savings Bank > Performance and Condition Ratios
Belmont Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 3,702 |
| Cost of funding earning assets | 1.5793% | 1,744 |
| Net interest margin | 2.5809% | 3,988 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0689% | 3,477 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4123% | 3,842 |
| Return on assets (ROA) | 0.4121% | 3,841 |
| Pretax return on assets | 0.4178% | 3,937 |
| Return on Equity (ROE) | 3.4400% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,147 |
| Net charge-offs to loans | 0.0403% | 1,507 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 24.1290% | 1,771 |
| Efficiency ratio | 80.7167% | 872 |
| Assets per employee ($millions) | 7.9646% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 4,041 |
| Loan loss allowance to noncurrent loans | 100.9896% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 1,338 |
| Noncurrent loans to loans | 0.7537% | 1,037 |
| Net loans and leases to total assets | 54.7700% | 3,289 |
| Net loans and leases to deposits | 74.5750% | 2,578 |
| Net loans and leases to core deposits | 91.9652% | 1,905 |
| Total domestic deposits to total assets | 73.4400% | 4,135 |
| Equity capital to assets | 11.8891% | 1,171 |
| Core capital (leverage) ratio | 17.4981% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $454,014,200 | 1,842 |
| Average earning assets | $409,554,200 | 1,880 |
| Average equity | $54,406,800 | 1,504 |
| Average total loans | $230,950,200 | 2,097 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,710 |
| Cost of funding earning assets | 1.3935% | 1,887 |
| Net interest margin | 2.6755% | 3,911 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1453% | 3,224 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4202% | 3,928 |
| Return on assets (ROA) | 0.4191% | 3,921 |
| Pretax return on assets | 0.4283% | 4,021 |
| Return on Equity (ROE) | 3.4900% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.4896% | 3,388 |
| Net charge-offs to loans | 0.0403% | 1,312 |
| Credit loss provision to net charge-offs | 328.3582% | 833 |
| Earnings coverage of net charge-offs (x) | 24.9552% | 1,696 |
| Efficiency ratio | 81.1052% | 798 |
| Assets per employee ($millions) | 7.7896% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 4,016 |
| Loan loss allowance to noncurrent loans | 102.0650% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 1,437 |
| Noncurrent loans to loans | 0.7658% | 1,086 |
| Net loans and leases to total assets | 51.9600% | 3,499 |
| Net loans and leases to deposits | 72.5245% | 2,676 |
| Net loans and leases to core deposits | 85.1394% | 2,249 |
| Total domestic deposits to total assets | 71.6500% | 4,266 |
| Equity capital to assets | 10.1888% | 1,713 |
| Core capital (leverage) ratio | 17.6066% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $446,058,250 | 1,868 |
| Average earning assets | $401,758,500 | 1,904 |
| Average equity | $53,568,000 | 1,517 |
| Average total loans | $221,654,000 | 2,148 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,694 |
| Cost of funding earning assets | 1.1608% | 2,106 |
| Net interest margin | 2.8381% | 3,760 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.1998% | 3,077 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5211% | 3,766 |
| Return on assets (ROA) | 0.5215% | 3,771 |
| Pretax return on assets | 0.5625% | 3,864 |
| Return on Equity (ROE) | 4.1100% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.1111% | 3,189 |
| Net charge-offs to loans | 0.0369% | 1,170 |
| Credit loss provision to net charge-offs | 166.6667% | 1,136 |
| Earnings coverage of net charge-offs (x) | 32.9231% | 1,506 |
| Efficiency ratio | 78.7944% | 939 |
| Assets per employee ($millions) | 7.2481% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 3,998 |
| Loan loss allowance to noncurrent loans | 109.4675% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 1,419 |
| Noncurrent loans to loans | 0.7397% | 1,020 |
| Net loans and leases to total assets | 50.4300% | 3,531 |
| Net loans and leases to deposits | 69.0876% | 2,850 |
| Net loans and leases to core deposits | 75.7668% | 2,773 |
| Total domestic deposits to total assets | 72.9900% | 4,254 |
| Equity capital to assets | 12.4658% | 935 |
| Core capital (leverage) ratio | 18.3240% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $433,759,667 | 1,905 |
| Average earning assets | $390,264,333 | 1,944 |
| Average equity | $55,021,667 | 1,480 |
| Average total loans | $211,231,333 | 2,214 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,617 |
| Cost of funding earning assets | 0.9118% | 2,337 |
| Net interest margin | 3.0155% | 3,560 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2322% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6395% | 3,610 |
| Return on assets (ROA) | 0.6395% | 3,568 |
| Pretax return on assets | 0.7099% | 3,638 |
| Return on Equity (ROE) | 5.0000% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.9961% | 3,020 |
| Net charge-offs to loans | 0.0612% | 764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.3871% | 1,388 |
| Efficiency ratio | 75.8698% | 1,181 |
| Assets per employee ($millions) | 7.3269% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 3,956 |
| Loan loss allowance to noncurrent loans | 165.1013% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 1,868 |
| Noncurrent loans to loans | 0.5226% | 1,415 |
| Net loans and leases to total assets | 47.6500% | 3,656 |
| Net loans and leases to deposits | 62.3326% | 3,208 |
| Net loans and leases to core deposits | 68.1029% | 3,095 |
| Total domestic deposits to total assets | 76.4500% | 4,131 |
| Equity capital to assets | 13.2512% | 704 |
| Core capital (leverage) ratio | 19.0752% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $425,948,500 | 1,952 |
| Average earning assets | $382,560,000 | 1,992 |
| Average equity | $54,523,000 | 1,502 |
| Average total loans | $202,613,500 | 2,285 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 3,001 |
| Cost of funding earning assets | 0.4483% | 1,733 |
| Net interest margin | 3.0814% | 3,219 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.0263% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8762% | 3,059 |
| Return on assets (ROA) | 0.8755% | 2,999 |
| Pretax return on assets | 0.9904% | 3,097 |
| Return on Equity (ROE) | 6.0100% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.0056% | 2,647 |
| Net charge-offs to loans | -0.0154% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.1533% | 2,069 |
| Assets per employee ($millions) | 6.8789% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 3,737 |
| Loan loss allowance to noncurrent loans | 137.4713% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,614 |
| Noncurrent loans to loans | 0.6610% | 1,126 |
| Net loans and leases to total assets | 46.6300% | 3,762 |
| Net loans and leases to deposits | 58.3383% | 3,428 |
| Net loans and leases to core deposits | 61.8552% | 3,400 |
| Total domestic deposits to total assets | 79.9200% | 3,886 |
| Equity capital to assets | 12.3360% | 838 |
| Core capital (leverage) ratio | 19.2376% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $422,251,800 | 1,941 |
| Average earning assets | $381,446,000 | 1,981 |
| Average equity | $61,559,600 | 1,376 |
| Average total loans | $181,557,200 | 2,362 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 2,855 |
| Cost of funding earning assets | 0.3886% | 1,372 |
| Net interest margin | 3.0324% | 3,134 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9676% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8877% | 2,926 |
| Return on assets (ROA) | 0.8872% | 2,898 |
| Pretax return on assets | 1.0066% | 2,995 |
| Return on Equity (ROE) | 5.8600% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.8616% | 2,801 |
| Net charge-offs to loans | -0.0090% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.1403% | 2,261 |
| Assets per employee ($millions) | 6.9744% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 3,809 |
| Loan loss allowance to noncurrent loans | 142.3539% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 1,755 |
| Noncurrent loans to loans | 0.6429% | 1,266 |
| Net loans and leases to total assets | 46.0000% | 3,761 |
| Net loans and leases to deposits | 56.7835% | 3,416 |
| Net loans and leases to core deposits | 59.5908% | 3,412 |
| Total domestic deposits to total assets | 81.0100% | 3,973 |
| Equity capital to assets | 11.7202% | 937 |
| Core capital (leverage) ratio | 18.5019% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $422,912,250 | 1,955 |
| Average earning assets | $382,877,500 | 1,991 |
| Average equity | $64,008,750 | 1,349 |
| Average total loans | $177,586,750 | 2,394 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 2,831 |
| Cost of funding earning assets | 0.3665% | 1,138 |
| Net interest margin | 2.9044% | 3,157 |
| Noninterest income to average assets | 0.2201% | 3,881 |
| Noninterest expense to average assets | 1.9689% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7944% | 2,980 |
| Return on assets (ROA) | 0.7931% | 2,952 |
| Pretax return on assets | 0.8902% | 3,100 |
| Return on Equity (ROE) | 4.8785% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.8785% | 2,747 |
| Net charge-offs to loans | -0.0198% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8303% | 2,123 |
| Assets per employee ($millions) | 7.3285% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,697 |
| Loan loss allowance to noncurrent loans | 117.2255% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 1,536 |
| Noncurrent loans to loans | 0.8335% | 1,025 |
| Net loans and leases to total assets | 43.2598% | 3,889 |
| Net loans and leases to deposits | 53.0995% | 3,599 |
| Net loans and leases to core deposits | 55.7884% | 3,583 |
| Total domestic deposits to total assets | 81.4694% | 4,073 |
| Equity capital to assets | 13.8816% | 537 |
| Core capital (leverage) ratio | 18.1857% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,394,333 | 1,960 |
| Average earning assets | $385,834,667 | 1,999 |
| Average equity | $68,996,667 | 1,307 |
| Average total loans | $172,021,667 | 2,446 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 2,800 |
| Cost of funding earning assets | 0.3664% | 1,082 |
| Net interest margin | 2.7934% | 3,163 |
| Noninterest income to average assets | 0.2113% | 3,896 |
| Noninterest expense to average assets | 1.9498% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7257% | 2,960 |
| Return on assets (ROA) | 0.7257% | 2,949 |
| Pretax return on assets | 0.8136% | 3,069 |
| Return on Equity (ROE) | 4.1664% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.1664% | 2,877 |
| Net charge-offs to loans | -0.0144% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5584% | 2,148 |
| Assets per employee ($millions) | 7.5041% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,599 |
| Loan loss allowance to noncurrent loans | 153.0225% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 2,054 |
| Noncurrent loans to loans | 0.6715% | 1,413 |
| Net loans and leases to total assets | 39.9025% | 4,018 |
| Net loans and leases to deposits | 50.4427% | 3,701 |
| Net loans and leases to core deposits | 53.2876% | 3,648 |
| Total domestic deposits to total assets | 79.1045% | 4,344 |
| Equity capital to assets | 16.1851% | 307 |
| Core capital (leverage) ratio | 17.5415% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,729,000 | 1,954 |
| Average earning assets | $390,785,000 | 1,988 |
| Average equity | $74,501,500 | 1,266 |
| Average total loans | $166,787,500 | 2,493 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1523% | 3,577 |
| Cost of funding earning assets | 0.4640% | 1,102 |
| Net interest margin | 2.6883% | 3,895 |
| Noninterest income to average assets | 0.1805% | 4,251 |
| Noninterest expense to average assets | 1.8885% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6866% | 3,659 |
| Return on assets (ROA) | 0.6795% | 3,726 |
| Pretax return on assets | 0.7603% | 3,815 |
| Return on Equity (ROE) | 3.5913% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.5913% | 3,387 |
| Net charge-offs to loans | -0.0608% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0841% | 1,603 |
| Assets per employee ($millions) | 7.6379% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,373 |
| Loan loss allowance to noncurrent loans | 125.9629% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 1,924 |
| Noncurrent loans to loans | 0.8701% | 1,173 |
| Net loans and leases to total assets | 37.2578% | 4,236 |
| Net loans and leases to deposits | 48.7389% | 3,957 |
| Net loans and leases to core deposits | 51.5344% | 3,927 |
| Total domestic deposits to total assets | 76.4437% | 4,491 |
| Equity capital to assets | 18.6508% | 234 |
| Core capital (leverage) ratio | 17.5152% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,376,000 | 1,933 |
| Average earning assets | $385,375,200 | 1,952 |
| Average equity | $79,162,800 | 1,216 |
| Average total loans | $146,311,000 | 2,662 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1534% | 3,694 |
| Cost of funding earning assets | 0.4908% | 1,098 |
| Net interest margin | 2.6627% | 4,036 |
| Noninterest income to average assets | 0.1875% | 4,263 |
| Noninterest expense to average assets | 1.8886% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6760% | 3,825 |
| Return on assets (ROA) | 0.6682% | 3,901 |
| Pretax return on assets | 0.7454% | 3,997 |
| Return on Equity (ROE) | 3.5185% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.5185% | 3,737 |
| Net charge-offs to loans | -0.0458% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4650% | 1,447 |
| Assets per employee ($millions) | 7.6994% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,340 |
| Loan loss allowance to noncurrent loans | 93.2469% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 1,666 |
| Noncurrent loans to loans | 1.2028% | 924 |
| Net loans and leases to total assets | 35.9318% | 4,396 |
| Net loans and leases to deposits | 47.1127% | 4,165 |
| Net loans and leases to core deposits | 49.9126% | 4,144 |
| Total domestic deposits to total assets | 76.2677% | 4,525 |
| Equity capital to assets | 18.7322% | 240 |
| Core capital (leverage) ratio | 17.5064% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,038,750 | 1,960 |
| Average earning assets | $383,613,000 | 1,973 |
| Average equity | $79,010,000 | 1,236 |
| Average total loans | $142,607,000 | 2,742 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0151% | 4,015 |
| Cost of funding earning assets | 0.5254% | 1,066 |
| Net interest margin | 2.4897% | 4,322 |
| Noninterest income to average assets | 0.1886% | 4,260 |
| Noninterest expense to average assets | 1.8754% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5666% | 4,056 |
| Return on assets (ROA) | 0.5590% | 4,129 |
| Pretax return on assets | 0.6060% | 4,224 |
| Return on Equity (ROE) | 2.9301% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.9301% | 3,858 |
| Net charge-offs to loans | -0.0029% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3302% | 1,140 |
| Assets per employee ($millions) | 7.6124% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 3,217 |
| Loan loss allowance to noncurrent loans | 49.5134% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 913 |
| Noncurrent loans to loans | 2.3130% | 380 |
| Net loans and leases to total assets | 34.6145% | 4,518 |
| Net loans and leases to deposits | 45.1882% | 4,340 |
| Net loans and leases to core deposits | 47.9627% | 4,329 |
| Total domestic deposits to total assets | 76.6007% | 4,530 |
| Equity capital to assets | 18.9479% | 225 |
| Core capital (leverage) ratio | 17.5665% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,562,000 | 1,957 |
| Average earning assets | $382,209,667 | 1,971 |
| Average equity | $78,905,000 | 1,237 |
| Average total loans | $138,847,333 | 2,793 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0329% | 4,015 |
| Cost of funding earning assets | 0.5656% | 1,024 |
| Net interest margin | 2.4673% | 4,345 |
| Noninterest income to average assets | 0.1762% | 4,315 |
| Noninterest expense to average assets | 1.8063% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6008% | 3,942 |
| Return on assets (ROA) | 0.5937% | 4,021 |
| Pretax return on assets | 0.6462% | 4,114 |
| Return on Equity (ROE) | 3.1007% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.1007% | 3,749 |
| Net charge-offs to loans | -0.0296% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4177% | 1,357 |
| Assets per employee ($millions) | 7.4310% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,740 |
| Loan loss allowance to noncurrent loans | 47.4010% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 934 |
| Noncurrent loans to loans | 2.6035% | 348 |
| Net loans and leases to total assets | 33.0342% | 4,601 |
| Net loans and leases to deposits | 43.1038% | 4,458 |
| Net loans and leases to core deposits | 45.7731% | 4,449 |
| Total domestic deposits to total assets | 76.6386% | 4,548 |
| Equity capital to assets | 18.9592% | 226 |
| Core capital (leverage) ratio | 17.5188% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,003,000 | 1,956 |
| Average earning assets | $380,491,500 | 1,972 |
| Average equity | $78,692,000 | 1,230 |
| Average total loans | $134,969,500 | 2,836 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 4,392 |
| Cost of funding earning assets | 0.7491% | 1,455 |
| Net interest margin | 2.5045% | 4,588 |
| Noninterest income to average assets | 0.1369% | 4,605 |
| Noninterest expense to average assets | 1.9918% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4284% | 4,184 |
| Return on assets (ROA) | 0.4272% | 4,270 |
| Pretax return on assets | 0.4648% | 4,335 |
| Return on Equity (ROE) | 2.1706% | 4,540 |
| Retained earnings to average equity (ytd only) | 2.1706% | 3,756 |
| Net charge-offs to loans | 0.0196% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 79.7826% | 899 |
| Efficiency ratio | 81.0375% | 812 |
| Assets per employee ($millions) | 7.9481% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,626 |
| Loan loss allowance to noncurrent loans | 43.8546% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 1,024 |
| Noncurrent loans to loans | 2.8700% | 318 |
| Net loans and leases to total assets | 31.8322% | 4,710 |
| Net loans and leases to deposits | 43.3186% | 4,549 |
| Net loans and leases to core deposits | 46.5270% | 4,533 |
| Total domestic deposits to total assets | 73.4838% | 4,659 |
| Equity capital to assets | 19.3314% | 221 |
| Core capital (leverage) ratio | 17.2725% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,715,800 | 1,878 |
| Average earning assets | $364,861,600 | 1,887 |
| Average equity | $77,489,000 | 1,187 |
| Average total loans | $117,448,200 | 3,007 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 4,415 |
| Cost of funding earning assets | 0.7789% | 1,594 |
| Net interest margin | 2.5703% | 4,598 |
| Noninterest income to average assets | 0.1660% | 4,472 |
| Noninterest expense to average assets | 2.0129% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4739% | 4,106 |
| Return on assets (ROA) | 0.4520% | 4,230 |
| Pretax return on assets | 0.5103% | 4,258 |
| Return on Equity (ROE) | 2.2855% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.2855% | 3,831 |
| Net charge-offs to loans | 0.0247% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 74.2857% | 961 |
| Efficiency ratio | 79.0040% | 942 |
| Assets per employee ($millions) | 7.1120% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 1,890 |
| Loan loss allowance to noncurrent loans | 40.9912% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 1,036 |
| Noncurrent loans to loans | 3.3338% | 255 |
| Net loans and leases to total assets | 30.4271% | 4,810 |
| Net loans and leases to deposits | 41.2619% | 4,712 |
| Net loans and leases to core deposits | 44.6017% | 4,697 |
| Total domestic deposits to total assets | 73.7414% | 4,584 |
| Equity capital to assets | 19.8242% | 216 |
| Core capital (leverage) ratio | 18.0856% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,819,250 | 1,880 |
| Average earning assets | $360,312,500 | 1,884 |
| Average equity | $76,887,000 | 1,187 |
| Average total loans | $113,500,250 | 3,061 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4517% | 4,477 |
| Cost of funding earning assets | 0.7939% | 1,858 |
| Net interest margin | 2.6578% | 4,602 |
| Noninterest income to average assets | 0.1561% | 4,513 |
| Noninterest expense to average assets | 1.9877% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5330% | 3,925 |
| Return on assets (ROA) | 0.5300% | 4,014 |
| Pretax return on assets | 0.6301% | 4,003 |
| Return on Equity (ROE) | 2.6825% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.6825% | 3,510 |
| Net charge-offs to loans | 0.0163% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 135.7778% | 566 |
| Efficiency ratio | 75.8259% | 1,284 |
| Assets per employee ($millions) | 7.2564% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 1,428 |
| Loan loss allowance to noncurrent loans | 33.5183% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 796 |
| Noncurrent loans to loans | 4.3106% | 142 |
| Net loans and leases to total assets | 29.4364% | 4,868 |
| Net loans and leases to deposits | 39.4725% | 4,806 |
| Net loans and leases to core deposits | 42.6494% | 4,784 |
| Total domestic deposits to total assets | 74.5744% | 4,554 |
| Equity capital to assets | 20.0651% | 209 |
| Core capital (leverage) ratio | 18.0843% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6389% | 70 |
| Memoranda: | ||
| Average total assets | $385,669,000 | 1,863 |
| Average earning assets | $357,735,000 | 1,865 |
| Average equity | $76,198,000 | 1,186 |
| Average total loans | $110,380,000 | 3,095 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 4,747 |
| Cost of funding earning assets | 0.8013% | 2,388 |
| Net interest margin | 2.5807% | 4,768 |
| Noninterest income to average assets | 0.1662% | 4,535 |
| Noninterest expense to average assets | 2.0513% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4182% | 4,093 |
| Return on assets (ROA) | 0.4088% | 4,153 |
| Pretax return on assets | 0.5008% | 4,122 |
| Return on Equity (ROE) | 2.0858% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.0858% | 3,418 |
| Net charge-offs to loans | -0.0448% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0163% | 1,135 |
| Assets per employee ($millions) | 6.6926% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,116 |
| Loan loss allowance to noncurrent loans | 35.8084% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2520% | 967 |
| Noncurrent loans to loans | 4.4180% | 155 |
| Net loans and leases to total assets | 27.4379% | 4,943 |
| Net loans and leases to deposits | 37.5865% | 4,880 |
| Net loans and leases to core deposits | 40.7729% | 4,867 |
| Total domestic deposits to total assets | 72.9993% | 4,724 |
| Equity capital to assets | 19.9895% | 246 |
| Core capital (leverage) ratio | 18.6581% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.1669% | 87 |
| Memoranda: | ||
| Average total assets | $382,581,000 | 1,832 |
| Average earning assets | $355,404,500 | 1,830 |
| Average equity | $74,985,000 | 1,201 |
| Average total loans | $107,052,000 | 3,120 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,725 |
| Cost of funding earning assets | 0.8083% | 2,642 |
| Net interest margin | 2.8460% | 4,713 |
| Noninterest income to average assets | 0.1171% | 4,875 |
| Noninterest expense to average assets | 2.0241% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6184% | 4,103 |
| Return on assets (ROA) | 0.6251% | 4,151 |
| Pretax return on assets | 0.7786% | 4,017 |
| Return on Equity (ROE) | 3.4203% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.4203% | 3,297 |
| Net charge-offs to loans | -0.0792% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4382% | 1,804 |
| Assets per employee ($millions) | 6.6139% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 964 |
| Loan loss allowance to noncurrent loans | 36.7568% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 904 |
| Noncurrent loans to loans | 4.3679% | 138 |
| Net loans and leases to total assets | 27.6362% | 5,002 |
| Net loans and leases to deposits | 36.8045% | 4,964 |
| Net loans and leases to core deposits | 39.7186% | 4,950 |
| Total domestic deposits to total assets | 75.0893% | 4,696 |
| Equity capital to assets | 19.1984% | 287 |
| Core capital (leverage) ratio | 18.5363% | 306 |
| Tier 1 risk-based capital ratio | 58.5683% | 97 |
| Total risk-based capital ratio | 59.8245% | 97 |
| Memoranda: | ||
| Average total assets | $379,287,200 | 1,807 |
| Average earning assets | $356,781,400 | 1,791 |
| Average equity | $69,320,400 | 1,229 |
| Average total loans | $98,433,200 | 3,250 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 4,763 |
| Cost of funding earning assets | 0.8053% | 2,691 |
| Net interest margin | 2.9141% | 4,742 |
| Noninterest income to average assets | 0.1095% | 4,957 |
| Noninterest expense to average assets | 1.9845% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6987% | 4,022 |
| Return on assets (ROA) | 0.7248% | 3,996 |
| Pretax return on assets | 0.9063% | 3,859 |
| Return on Equity (ROE) | 4.0161% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.0161% | 3,389 |
| Net charge-offs to loans | -0.1588% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4339% | 2,198 |
| Assets per employee ($millions) | 6.4933% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 805 |
| Loan loss allowance to noncurrent loans | 89.1684% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 2,375 |
| Noncurrent loans to loans | 1.9170% | 726 |
| Net loans and leases to total assets | 26.5205% | 5,106 |
| Net loans and leases to deposits | 35.1375% | 5,075 |
| Net loans and leases to core deposits | 37.9495% | 5,058 |
| Total domestic deposits to total assets | 75.4765% | 4,699 |
| Equity capital to assets | 19.1026% | 303 |
| Core capital (leverage) ratio | 18.3888% | 323 |
| Tier 1 risk-based capital ratio | 62.1348% | 87 |
| Total risk-based capital ratio | 63.3946% | 86 |
| Memoranda: | ||
| Average total assets | $379,860,500 | 1,819 |
| Average earning assets | $358,296,000 | 1,801 |
| Average equity | $68,556,250 | 1,239 |
| Average total loans | $96,569,750 | 3,314 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,768 |
| Cost of funding earning assets | 0.7926% | 2,684 |
| Net interest margin | 2.9592% | 4,747 |
| Noninterest income to average assets | 0.0956% | 5,056 |
| Noninterest expense to average assets | 2.0654% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6583% | 4,136 |
| Return on assets (ROA) | 0.6956% | 4,077 |
| Pretax return on assets | 0.8720% | 3,926 |
| Return on Equity (ROE) | 3.9302% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.9302% | 3,281 |
| Net charge-offs to loans | -0.1201% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4493% | 1,997 |
| Assets per employee ($millions) | 6.8051% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 831 |
| Loan loss allowance to noncurrent loans | 129.9536% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 3,052 |
| Noncurrent loans to loans | 1.3029% | 1,210 |
| Net loans and leases to total assets | 25.5816% | 5,157 |
| Net loans and leases to deposits | 33.9360% | 5,127 |
| Net loans and leases to core deposits | 36.7357% | 5,117 |
| Total domestic deposits to total assets | 75.3819% | 4,740 |
| Equity capital to assets | 18.4617% | 336 |
| Core capital (leverage) ratio | 18.1247% | 329 |
| Tier 1 risk-based capital ratio | 61.6381% | 89 |
| Total risk-based capital ratio | 62.8959% | 86 |
| Memoranda: | ||
| Average total assets | $380,942,670 | 1,821 |
| Average earning assets | $359,829,330 | 1,801 |
| Average equity | $67,427,330 | 1,245 |
| Average total loans | $94,887,330 | 3,354 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 4,724 |
| Cost of funding earning assets | 0.7580% | 2,752 |
| Net interest margin | 3.0296% | 4,707 |
| Noninterest income to average assets | 0.0798% | 5,144 |
| Noninterest expense to average assets | 2.0815% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7030% | 3,922 |
| Return on assets (ROA) | 0.7761% | 3,742 |
| Pretax return on assets | 0.9652% | 3,568 |
| Return on Equity (ROE) | 4.4813% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,129 |
| Net charge-offs to loans | -0.0863% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4335% | 2,272 |
| Assets per employee ($millions) | 6.5900% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 816 |
| Loan loss allowance to noncurrent loans | 114.2658% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 2,968 |
| Noncurrent loans to loans | 1.5107% | 1,063 |
| Net loans and leases to total assets | 24.4564% | 5,226 |
| Net loans and leases to deposits | 31.9234% | 5,195 |
| Net loans and leases to core deposits | 34.5833% | 5,185 |
| Total domestic deposits to total assets | 76.6097% | 4,694 |
| Equity capital to assets | 17.6755% | 376 |
| Core capital (leverage) ratio | 18.0543% | 334 |
| Tier 1 risk-based capital ratio | 63.0447% | 82 |
| Total risk-based capital ratio | 64.3008% | 81 |
| Memoranda: | ||
| Average total assets | $380,871,000 | 1,833 |
| Average earning assets | $361,500,500 | 1,804 |
| Average equity | $65,963,500 | 1,264 |
| Average total loans | $92,747,500 | 3,435 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 4,857 |
| Cost of funding earning assets | 0.6781% | 2,225 |
| Net interest margin | 2.8720% | 4,948 |
| Noninterest income to average assets | 0.1394% | 5,009 |
| Noninterest expense to average assets | 2.1639% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5951% | 4,430 |
| Return on assets (ROA) | 0.5916% | 4,448 |
| Pretax return on assets | 0.7334% | 4,332 |
| Return on Equity (ROE) | 3.6769% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.6769% | 3,559 |
| Net charge-offs to loans | -0.1138% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5770% | 1,551 |
| Assets per employee ($millions) | 6.6583% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 684 |
| Loan loss allowance to noncurrent loans | 105.8018% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 2,906 |
| Noncurrent loans to loans | 1.6974% | 854 |
| Net loans and leases to total assets | 23.3854% | 5,284 |
| Net loans and leases to deposits | 30.6765% | 5,259 |
| Net loans and leases to core deposits | 33.0646% | 5,250 |
| Total domestic deposits to total assets | 76.2323% | 4,729 |
| Equity capital to assets | 16.9602% | 421 |
| Core capital (leverage) ratio | 17.5033% | 367 |
| Tier 1 risk-based capital ratio | 65.1574% | 77 |
| Total risk-based capital ratio | 66.4316% | 76 |
| Memoranda: | ||
| Average total assets | $395,170,200 | 1,735 |
| Average earning assets | $380,044,400 | 1,671 |
| Average equity | $63,586,000 | 1,256 |
| Average total loans | $80,833,600 | 3,651 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 4,897 |
| Cost of funding earning assets | 0.6532% | 2,134 |
| Net interest margin | 2.8801% | 5,001 |
| Noninterest income to average assets | 0.0715% | 5,291 |
| Noninterest expense to average assets | 1.9498% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7110% | 4,191 |
| Return on assets (ROA) | 0.7009% | 4,229 |
| Pretax return on assets | 0.8873% | 4,065 |
| Return on Equity (ROE) | 4.4127% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.4127% | 3,549 |
| Net charge-offs to loans | -0.1462% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4174% | 2,457 |
| Assets per employee ($millions) | 6.6235% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1588% | 389 |
| Loan loss allowance to noncurrent loans | 151.4193% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 3,334 |
| Noncurrent loans to loans | 1.4257% | 1,163 |
| Net loans and leases to total assets | 22.0267% | 5,370 |
| Net loans and leases to deposits | 29.2112% | 5,348 |
| Net loans and leases to core deposits | 31.4327% | 5,335 |
| Total domestic deposits to total assets | 75.4051% | 4,846 |
| Equity capital to assets | 16.0823% | 526 |
| Core capital (leverage) ratio | 17.6859% | 359 |
| Tier 1 risk-based capital ratio | 66.8601% | 71 |
| Total risk-based capital ratio | 68.1457% | 68 |
| Memoranda: | ||
| Average total assets | $399,082,000 | 1,719 |
| Average earning assets | $384,982,500 | 1,654 |
| Average equity | $63,390,500 | 1,260 |
| Average total loans | $78,448,000 | 3,727 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,927 |
| Cost of funding earning assets | 0.6299% | 2,047 |
| Net interest margin | 2.8680% | 5,058 |
| Noninterest income to average assets | 0.0658% | 5,366 |
| Noninterest expense to average assets | 1.8913% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7443% | 4,053 |
| Return on assets (ROA) | 0.7271% | 4,116 |
| Pretax return on assets | 0.9202% | 3,908 |
| Return on Equity (ROE) | 4.5959% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.5959% | 3,291 |
| Net charge-offs to loans | -0.1161% | 5,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7540% | 2,855 |
| Assets per employee ($millions) | 6.8225% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2545% | 338 |
| Loan loss allowance to noncurrent loans | 163.3841% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 3,576 |
| Noncurrent loans to loans | 1.3799% | 1,235 |
| Net loans and leases to total assets | 19.9956% | 5,446 |
| Net loans and leases to deposits | 27.3107% | 5,424 |
| Net loans and leases to core deposits | 29.3266% | 5,409 |
| Total domestic deposits to total assets | 73.2150% | 5,105 |
| Equity capital to assets | 15.8177% | 531 |
| Core capital (leverage) ratio | 16.9728% | 399 |
| Tier 1 risk-based capital ratio | 58.6169% | 94 |
| Total risk-based capital ratio | 59.9001% | 93 |
| Memoranda: | ||
| Average total assets | $404,055,670 | 1,708 |
| Average earning assets | $389,883,000 | 1,638 |
| Average equity | $63,926,670 | 1,250 |
| Average total loans | $75,769,000 | 3,814 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 4,967 |
| Cost of funding earning assets | 0.6081% | 2,004 |
| Net interest margin | 2.8302% | 5,123 |
| Noninterest income to average assets | 0.0666% | 5,434 |
| Noninterest expense to average assets | 1.9626% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6609% | 4,239 |
| Return on assets (ROA) | 0.6036% | 4,423 |
| Pretax return on assets | 0.7633% | 4,246 |
| Return on Equity (ROE) | 3.8146% | 4,816 |
| Retained earnings to average equity (ytd only) | 3.8146% | 3,669 |
| Net charge-offs to loans | 0.0055% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 853.0000% | 77 |
| Efficiency ratio | 70.1331% | 2,468 |
| Assets per employee ($millions) | 7.1588% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 298 |
| Loan loss allowance to noncurrent loans | 157.3828% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 3,534 |
| Noncurrent loans to loans | 1.5015% | 1,173 |
| Net loans and leases to total assets | 18.3453% | 5,514 |
| Net loans and leases to deposits | 24.6404% | 5,499 |
| Net loans and leases to core deposits | 26.4475% | 5,493 |
| Total domestic deposits to total assets | 74.4522% | 5,109 |
| Equity capital to assets | 15.7564% | 527 |
| Core capital (leverage) ratio | 16.3152% | 451 |
| Tier 1 risk-based capital ratio | 60.7028% | 87 |
| Total risk-based capital ratio | 61.9829% | 86 |
| Memoranda: | ||
| Average total assets | $408,232,000 | 1,699 |
| Average earning assets | $394,030,000 | 1,633 |
| Average equity | $64,594,500 | 1,247 |
| Average total loans | $73,179,500 | 3,903 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3230% | 5,057 |
| Cost of funding earning assets | 0.6072% | 1,549 |
| Net interest margin | 2.7158% | 5,265 |
| Noninterest income to average assets | 0.0633% | 5,503 |
| Noninterest expense to average assets | 1.5560% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7712% | 3,297 |
| Return on assets (ROA) | 0.8005% | 3,199 |
| Pretax return on assets | 1.1849% | 2,826 |
| Return on Equity (ROE) | 5.3975% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.3975% | 1,869 |
| Net charge-offs to loans | 0.4633% | 517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.1485% | 2,267 |
| Efficiency ratio | 57.6786% | 4,567 |
| Assets per employee ($millions) | 7.4209% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5073% | 245 |
| Loan loss allowance to noncurrent loans | 120.5823% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,266 |
| Noncurrent loans to loans | 2.0793% | 722 |
| Net loans and leases to total assets | 16.6645% | 5,588 |
| Net loans and leases to deposits | 22.9960% | 5,581 |
| Net loans and leases to core deposits | 24.6130% | 5,572 |
| Total domestic deposits to total assets | 72.4669% | 5,298 |
| Equity capital to assets | 15.8873% | 531 |
| Core capital (leverage) ratio | 15.6538% | 521 |
| Tier 1 risk-based capital ratio | 62.6474% | 77 |
| Total risk-based capital ratio | 63.9571% | 77 |
| Memoranda: | ||
| Average total assets | $437,841,400 | 1,583 |
| Average earning assets | $424,734,600 | 1,519 |
| Average equity | $64,937,800 | 1,226 |
| Average total loans | $71,223,400 | 3,933 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 5,104 |
| Cost of funding earning assets | 0.6047% | 1,501 |
| Net interest margin | 2.7074% | 5,314 |
| Noninterest income to average assets | 0.0622% | 5,576 |
| Noninterest expense to average assets | 1.5077% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7821% | 3,595 |
| Return on assets (ROA) | 0.8218% | 3,466 |
| Pretax return on assets | 1.2452% | 2,733 |
| Return on Equity (ROE) | 5.6349% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.6349% | 2,465 |
| Net charge-offs to loans | 0.4041% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.2456% | 2,064 |
| Efficiency ratio | 55.9911% | 4,736 |
| Assets per employee ($millions) | 7.6561% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7022% | 206 |
| Loan loss allowance to noncurrent loans | 118.9579% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 3,449 |
| Noncurrent loans to loans | 2.2716% | 705 |
| Net loans and leases to total assets | 15.9146% | 5,664 |
| Net loans and leases to deposits | 22.3084% | 5,647 |
| Net loans and leases to core deposits | 23.8640% | 5,640 |
| Total domestic deposits to total assets | 71.3393% | 5,421 |
| Equity capital to assets | 15.4815% | 634 |
| Core capital (leverage) ratio | 15.1257% | 638 |
| Tier 1 risk-based capital ratio | 61.8555% | 79 |
| Total risk-based capital ratio | 63.1754% | 79 |
| Memoranda: | ||
| Average total assets | $443,408,750 | 1,579 |
| Average earning assets | $430,816,250 | 1,513 |
| Average equity | $64,666,500 | 1,234 |
| Average total loans | $71,270,750 | 3,963 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 5,120 |
| Cost of funding earning assets | 0.5992% | 1,453 |
| Net interest margin | 2.6926% | 5,368 |
| Noninterest income to average assets | 0.0589% | 5,628 |
| Noninterest expense to average assets | 1.5039% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7745% | 3,521 |
| Return on assets (ROA) | 0.7745% | 3,572 |
| Pretax return on assets | 1.1733% | 2,881 |
| Return on Equity (ROE) | 5.4168% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.4168% | 2,461 |
| Net charge-offs to loans | 0.1144% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 64.1463% | 905 |
| Efficiency ratio | 56.1740% | 4,809 |
| Assets per employee ($millions) | 7.7079% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9647% | 170 |
| Loan loss allowance to noncurrent loans | 106.3174% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 3,278 |
| Noncurrent loans to loans | 2.7886% | 504 |
| Net loans and leases to total assets | 15.4208% | 5,717 |
| Net loans and leases to deposits | 21.9554% | 5,697 |
| Net loans and leases to core deposits | 23.5398% | 5,691 |
| Total domestic deposits to total assets | 70.2368% | 5,530 |
| Equity capital to assets | 14.8550% | 724 |
| Core capital (leverage) ratio | 14.3175% | 778 |
| Tier 1 risk-based capital ratio | 60.0478% | 83 |
| Total risk-based capital ratio | 61.3529% | 83 |
| Memoranda: | ||
| Average total assets | $448,297,000 | 1,568 |
| Average earning assets | $435,943,330 | 1,502 |
| Average equity | $64,096,670 | 1,242 |
| Average total loans | $71,651,670 | 3,980 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2622% | 5,161 |
| Cost of funding earning assets | 0.5859% | 1,469 |
| Net interest margin | 2.6763% | 5,412 |
| Noninterest income to average assets | 0.0716% | 5,669 |
| Noninterest expense to average assets | 1.5125% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7668% | 3,390 |
| Return on assets (ROA) | 0.7668% | 3,443 |
| Pretax return on assets | 1.1617% | 2,739 |
| Return on Equity (ROE) | 5.4666% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.4666% | 2,622 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5576% | 4,880 |
| Assets per employee ($millions) | 8.1345% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9489% | 186 |
| Loan loss allowance to noncurrent loans | 114.0465% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 3,474 |
| Noncurrent loans to loans | 2.5857% | 591 |
| Net loans and leases to total assets | 15.2515% | 5,783 |
| Net loans and leases to deposits | 21.8749% | 5,761 |
| Net loans and leases to core deposits | 23.4799% | 5,753 |
| Total domestic deposits to total assets | 69.7212% | 5,639 |
| Equity capital to assets | 14.0228% | 893 |
| Core capital (leverage) ratio | 13.9647% | 854 |
| Tier 1 risk-based capital ratio | 57.5672% | 91 |
| Total risk-based capital ratio | 58.8766% | 90 |
| Memoranda: | ||
| Average total assets | $452,771,500 | 1,558 |
| Average earning assets | $440,312,500 | 1,483 |
| Average equity | $63,512,500 | 1,252 |
| Average total loans | $72,567,000 | 3,987 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,183 |
| Cost of funding earning assets | 0.5919% | 1,393 |
| Net interest margin | 2.6909% | 5,430 |
| Noninterest income to average assets | 0.0676% | 5,731 |
| Noninterest expense to average assets | 1.3932% | 5,777 |
| Loan and lease loss provision to assets | 0.0203% | 3,963 |
| Net operating income to assets | 0.8437% | 3,094 |
| Return on assets (ROA) | 0.8922% | 2,984 |
| Pretax return on assets | 1.3512% | 2,099 |
| Return on Equity (ROE) | 6.7545% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.7545% | 1,331 |
| Net charge-offs to loans | 0.5535% | 430 |
| Credit loss provision to net charge-offs | 23.5294% | 3,648 |
| Earnings coverage of net charge-offs (x) | 15.0447% | 2,241 |
| Efficiency ratio | 51.7689% | 5,399 |
| Assets per employee ($millions) | 7.7588% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8702% | 202 |
| Loan loss allowance to noncurrent loans | 83.8697% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 2,881 |
| Noncurrent loans to loans | 3.4223% | 359 |
| Net loans and leases to total assets | 15.8744% | 5,837 |
| Net loans and leases to deposits | 22.4945% | 5,814 |
| Net loans and leases to core deposits | 24.2218% | 5,804 |
| Total domestic deposits to total assets | 70.5702% | 5,638 |
| Equity capital to assets | 14.0323% | 881 |
| Core capital (leverage) ratio | 13.7948% | 872 |
| Tier 1 risk-based capital ratio | 56.3953% | 105 |
| Total risk-based capital ratio | 57.7330% | 101 |
| Memoranda: | ||
| Average total assets | $492,598,600 | 1,399 |
| Average earning assets | $480,286,600 | 1,320 |
| Average equity | $65,067,400 | 1,209 |
| Average total loans | $76,783,400 | 3,881 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 4,979 |
| Cost of funding earning assets | 0.5977% | 1,349 |
| Net interest margin | 2.8256% | 5,313 |
| Noninterest income to average assets | 0.0657% | 5,798 |
| Noninterest expense to average assets | 1.4055% | 5,817 |
| Loan and lease loss provision to assets | 0.0265% | 3,716 |
| Net operating income to assets | 0.9184% | 2,814 |
| Return on assets (ROA) | 0.9087% | 2,996 |
| Pretax return on assets | 1.3758% | 2,140 |
| Return on Equity (ROE) | 6.9770% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.9770% | 1,639 |
| Net charge-offs to loans | 0.4176% | 517 |
| Credit loss provision to net charge-offs | 41.1523% | 3,142 |
| Earnings coverage of net charge-offs (x) | 22.0084% | 1,788 |
| Efficiency ratio | 49.7982% | 5,516 |
| Assets per employee ($millions) | 8.0287% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1159% | 164 |
| Loan loss allowance to noncurrent loans | 119.4893% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 3,639 |
| Noncurrent loans to loans | 2.6077% | 650 |
| Net loans and leases to total assets | 15.3110% | 5,909 |
| Net loans and leases to deposits | 21.8732% | 5,891 |
| Net loans and leases to core deposits | 23.5353% | 5,882 |
| Total domestic deposits to total assets | 69.9992% | 5,696 |
| Equity capital to assets | 14.5727% | 851 |
| Core capital (leverage) ratio | 13.1089% | 1,148 |
| Tier 1 risk-based capital ratio | 55.6548% | 105 |
| Total risk-based capital ratio | 56.9458% | 104 |
| Memoranda: | ||
| Average total assets | $503,245,000 | 1,373 |
| Average earning assets | $490,983,500 | 1,299 |
| Average equity | $65,547,500 | 1,205 |
| Average total loans | $77,592,250 | 3,885 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2458% | 5,372 |
| Cost of funding earning assets | 0.6090% | 1,255 |
| Net interest margin | 2.6368% | 5,632 |
| Noninterest income to average assets | 0.0640% | 5,876 |
| Noninterest expense to average assets | 1.3816% | 5,905 |
| Loan and lease loss provision to assets | 0.0388% | 3,382 |
| Net operating income to assets | 0.8054% | 3,288 |
| Return on assets (ROA) | 0.8054% | 3,422 |
| Pretax return on assets | 1.2191% | 2,706 |
| Return on Equity (ROE) | 6.4128% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.4128% | 1,912 |
| Net charge-offs to loans | 0.4865% | 451 |
| Credit loss provision to net charge-offs | 52.0833% | 2,646 |
| Earnings coverage of net charge-offs (x) | 16.8958% | 1,907 |
| Efficiency ratio | 52.3432% | 5,424 |
| Assets per employee ($millions) | 8.4567% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0731% | 180 |
| Loan loss allowance to noncurrent loans | 170.3488% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 4,371 |
| Noncurrent loans to loans | 1.8040% | 1,143 |
| Net loans and leases to total assets | 15.0732% | 5,985 |
| Net loans and leases to deposits | 22.2363% | 5,958 |
| Net loans and leases to core deposits | 23.8317% | 5,957 |
| Total domestic deposits to total assets | 67.7862% | 5,846 |
| Equity capital to assets | 13.7895% | 1,099 |
| Core capital (leverage) ratio | 12.1552% | 1,537 |
| Tier 1 risk-based capital ratio | 52.3075% | 118 |
| Total risk-based capital ratio | 53.6032% | 117 |
| Memoranda: | ||
| Average total assets | $515,772,000 | 1,341 |
| Average earning assets | $503,788,000 | 1,277 |
| Average equity | $64,776,670 | 1,216 |
| Average total loans | $78,926,000 | 3,871 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2808% | 5,353 |
| Cost of funding earning assets | 0.6306% | 1,149 |
| Net interest margin | 2.6502% | 5,663 |
| Noninterest income to average assets | 0.0628% | 5,930 |
| Noninterest expense to average assets | 1.4542% | 5,934 |
| Loan and lease loss provision to assets | 0.0757% | 2,439 |
| Net operating income to assets | 0.7426% | 3,523 |
| Return on assets (ROA) | 0.7426% | 3,630 |
| Pretax return on assets | 1.1226% | 3,002 |
| Return on Equity (ROE) | 6.1945% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.1945% | 2,281 |
| Net charge-offs to loans | 0.4237% | 527 |
| Credit loss provision to net charge-offs | 117.6471% | 1,456 |
| Earnings coverage of net charge-offs (x) | 18.6235% | 1,537 |
| Efficiency ratio | 54.8231% | 5,299 |
| Assets per employee ($millions) | 8.8994% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1197% | 199 |
| Loan loss allowance to noncurrent loans | 262.4197% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,839 |
| Noncurrent loans to loans | 1.1888% | 2,038 |
| Net loans and leases to total assets | 14.7459% | 6,042 |
| Net loans and leases to deposits | 22.5127% | 6,005 |
| Net loans and leases to core deposits | 24.1911% | 6,003 |
| Total domestic deposits to total assets | 65.5003% | 5,976 |
| Equity capital to assets | 12.6351% | 1,595 |
| Core capital (leverage) ratio | 11.3089% | 2,133 |
| Tier 1 risk-based capital ratio | 48.8180% | 140 |
| Total risk-based capital ratio | 50.1012% | 139 |
| Memoranda: | ||
| Average total assets | $528,414,000 | 1,319 |
| Average earning assets | $516,335,500 | 1,248 |
| Average equity | $63,347,000 | 1,235 |
| Average total loans | $80,251,000 | 3,852 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 5,479 |
| Cost of funding earning assets | 0.7154% | 761 |
| Net interest margin | 2.5106% | 5,822 |
| Noninterest income to average assets | 0.0513% | 6,001 |
| Noninterest expense to average assets | 1.2088% | 6,090 |
| Loan and lease loss provision to assets | 0.2898% | 602 |
| Net operating income to assets | 0.6672% | 3,966 |
| Return on assets (ROA) | 0.6672% | 4,055 |
| Pretax return on assets | 1.0110% | 3,422 |
| Return on Equity (ROE) | 6.9400% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.9400% | 1,307 |
| Net charge-offs to loans | 1.2226% | 144 |
| Credit loss provision to net charge-offs | 166.3127% | 1,625 |
| Earnings coverage of net charge-offs (x) | 7.4653% | 3,079 |
| Efficiency ratio | 48.1670% | 5,836 |
| Assets per employee ($millions) | 9.3218% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9730% | 223 |
| Loan loss allowance to noncurrent loans | 192.1136% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 4,656 |
| Noncurrent loans to loans | 1.5475% | 1,488 |
| Net loans and leases to total assets | 14.7045% | 6,107 |
| Net loans and leases to deposits | 22.7349% | 6,061 |
| Net loans and leases to core deposits | 24.4215% | 6,057 |
| Total domestic deposits to total assets | 64.6782% | 6,036 |
| Equity capital to assets | 11.3705% | 2,475 |
| Core capital (leverage) ratio | 10.5542% | 2,877 |
| Tier 1 risk-based capital ratio | 45.1948% | 166 |
| Total risk-based capital ratio | 46.4794% | 163 |
| Memoranda: | ||
| Average total assets | $594,555,800 | 1,146 |
| Average earning assets | $582,160,800 | 1,075 |
| Average equity | $57,161,400 | 1,308 |
| Average total loans | $84,735,200 | 3,708 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2233% | 5,553 |
| Cost of funding earning assets | 0.7288% | 717 |
| Net interest margin | 2.4946% | 5,911 |
| Noninterest income to average assets | 0.0485% | 6,102 |
| Noninterest expense to average assets | 1.1635% | 6,182 |
| Loan and lease loss provision to assets | 0.2770% | 569 |
| Net operating income to assets | 0.6938% | 3,924 |
| Return on assets (ROA) | 0.6938% | 4,036 |
| Pretax return on assets | 1.0512% | 3,405 |
| Return on Equity (ROE) | 7.5220% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.5220% | 1,436 |
| Net charge-offs to loans | 1.0987% | 165 |
| Credit loss provision to net charge-offs | 179.4034% | 1,472 |
| Earnings coverage of net charge-offs (x) | 8.6037% | 2,790 |
| Efficiency ratio | 46.6954% | 5,931 |
| Assets per employee ($millions) | 10.0321% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7599% | 315 |
| Loan loss allowance to noncurrent loans | 198.1116% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,926 |
| Noncurrent loans to loans | 1.3931% | 1,830 |
| Net loans and leases to total assets | 14.4745% | 6,195 |
| Net loans and leases to deposits | 22.4129% | 6,155 |
| Net loans and leases to core deposits | 24.2768% | 6,147 |
| Total domestic deposits to total assets | 64.5811% | 6,119 |
| Equity capital to assets | 10.2368% | 3,885 |
| Core capital (leverage) ratio | 9.8718% | 3,808 |
| Tier 1 risk-based capital ratio | 42.6125% | 220 |
| Total risk-based capital ratio | 43.9043% | 214 |
| Memoranda: | ||
| Average total assets | $608,028,750 | 1,126 |
| Average earning assets | $595,520,250 | 1,060 |
| Average equity | $56,082,750 | 1,341 |
| Average total loans | $85,434,500 | 3,720 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 5,599 |
| Cost of funding earning assets | 0.7293% | 720 |
| Net interest margin | 2.4839% | 5,977 |
| Noninterest income to average assets | 0.0468% | 6,185 |
| Noninterest expense to average assets | 1.1013% | 6,275 |
| Loan and lease loss provision to assets | 0.2881% | 554 |
| Net operating income to assets | 0.7199% | 3,792 |
| Return on assets (ROA) | 0.7199% | 3,909 |
| Pretax return on assets | 1.0907% | 3,213 |
| Return on Equity (ROE) | 8.0709% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.0709% | 1,237 |
| Net charge-offs to loans | 1.3692% | 133 |
| Credit loss provision to net charge-offs | 152.4618% | 1,515 |
| Earnings coverage of net charge-offs (x) | 7.2971% | 2,683 |
| Efficiency ratio | 44.4056% | 6,097 |
| Assets per employee ($millions) | 10.8063% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4317% | 525 |
| Loan loss allowance to noncurrent loans | 133.7232% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,828 |
| Noncurrent loans to loans | 1.8185% | 1,401 |
| Net loans and leases to total assets | 13.8931% | 6,275 |
| Net loans and leases to deposits | 22.0744% | 6,230 |
| Net loans and leases to core deposits | 23.8808% | 6,218 |
| Total domestic deposits to total assets | 62.9378% | 6,216 |
| Equity capital to assets | 9.4603% | 4,699 |
| Core capital (leverage) ratio | 9.1610% | 4,742 |
| Tier 1 risk-based capital ratio | 39.9144% | 262 |
| Total risk-based capital ratio | 41.2018% | 258 |
| Memoranda: | ||
| Average total assets | $623,439,670 | 1,105 |
| Average earning assets | $610,736,670 | 1,042 |
| Average equity | $55,607,000 | 1,361 |
| Average total loans | $86,037,670 | 3,731 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 5,421 |
| Cost of funding earning assets | 0.7275% | 748 |
| Net interest margin | 2.5837% | 5,939 |
| Noninterest income to average assets | 0.0420% | 6,249 |
| Noninterest expense to average assets | 1.0916% | 6,350 |
| Loan and lease loss provision to assets | 0.3122% | 447 |
| Net operating income to assets | 0.7724% | 3,401 |
| Return on assets (ROA) | 0.7724% | 3,542 |
| Pretax return on assets | 1.1699% | 2,784 |
| Return on Equity (ROE) | 8.9119% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.9119% | 1,228 |
| Net charge-offs to loans | 2.0475% | 87 |
| Credit loss provision to net charge-offs | 112.1622% | 1,493 |
| Earnings coverage of net charge-offs (x) | 5.3243% | 2,398 |
| Efficiency ratio | 42.4117% | 6,224 |
| Assets per employee ($millions) | 11.2210% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 935 |
| Loan loss allowance to noncurrent loans | 159.9823% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,234 |
| Noncurrent loans to loans | 1.3075% | 2,198 |
| Net loans and leases to total assets | 13.4300% | 6,341 |
| Net loans and leases to deposits | 22.2376% | 6,286 |
| Net loans and leases to core deposits | 24.0150% | 6,277 |
| Total domestic deposits to total assets | 60.3933% | 6,316 |
| Equity capital to assets | 8.9006% | 5,392 |
| Core capital (leverage) ratio | 8.6008% | 5,421 |
| Tier 1 risk-based capital ratio | 37.0729% | 305 |
| Total risk-based capital ratio | 38.3196% | 302 |
| Memoranda: | ||
| Average total assets | $637,987,500 | 1,090 |
| Average earning assets | $625,153,000 | 1,023 |
| Average equity | $55,297,000 | 1,376 |
| Average total loans | $86,741,000 | 3,734 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 5,140 |
| Cost of funding earning assets | 0.7073% | 1,064 |
| Net interest margin | 2.8707% | 5,695 |
| Noninterest income to average assets | 0.0536% | 6,281 |
| Noninterest expense to average assets | 1.1327% | 6,424 |
| Loan and lease loss provision to assets | 0.2274% | 1,073 |
| Net operating income to assets | 0.9949% | 2,408 |
| Return on assets (ROA) | 0.9949% | 2,483 |
| Pretax return on assets | 1.5074% | 1,513 |
| Return on Equity (ROE) | 11.9126% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.9126% | 308 |
| Net charge-offs to loans | 1.5971% | 147 |
| Credit loss provision to net charge-offs | 101.0870% | 2,365 |
| Earnings coverage of net charge-offs (x) | 7.7116% | 2,991 |
| Efficiency ratio | 39.4997% | 6,404 |
| Assets per employee ($millions) | 11.5643% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 1,107 |
| Loan loss allowance to noncurrent loans | 75.3555% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 4,626 |
| Noncurrent loans to loans | 2.6590% | 923 |
| Net loans and leases to total assets | 13.2086% | 6,429 |
| Net loans and leases to deposits | 22.6616% | 6,382 |
| Net loans and leases to core deposits | 24.5508% | 6,364 |
| Total domestic deposits to total assets | 58.2865% | 6,422 |
| Equity capital to assets | 8.4412% | 5,800 |
| Core capital (leverage) ratio | 8.4284% | 5,635 |
| Tier 1 risk-based capital ratio | 34.7237% | 349 |
| Total risk-based capital ratio | 35.8793% | 346 |
| Memoranda: | ||
| Average total assets | $613,427,200 | 1,081 |
| Average earning assets | $601,285,000 | 1,018 |
| Average equity | $51,231,600 | 1,420 |
| Average total loans | $86,407,600 | 3,706 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 5,093 |
| Cost of funding earning assets | 0.7028% | 1,137 |
| Net interest margin | 2.9176% | 5,666 |
| Noninterest income to average assets | 0.0538% | 6,372 |
| Noninterest expense to average assets | 1.1334% | 6,498 |
| Loan and lease loss provision to assets | 0.2524% | 852 |
| Net operating income to assets | 1.0089% | 2,417 |
| Return on assets (ROA) | 1.0089% | 2,478 |
| Pretax return on assets | 1.5286% | 1,551 |
| Return on Equity (ROE) | 12.1146% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.1146% | 408 |
| Net charge-offs to loans | 1.4696% | 165 |
| Credit loss provision to net charge-offs | 120.5263% | 1,908 |
| Earnings coverage of net charge-offs (x) | 8.5052% | 2,785 |
| Efficiency ratio | 38.8897% | 6,477 |
| Assets per employee ($millions) | 11.5431% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 920 |
| Loan loss allowance to noncurrent loans | 70.1200% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 4,615 |
| Noncurrent loans to loans | 3.1644% | 806 |
| Net loans and leases to total assets | 13.3899% | 6,512 |
| Net loans and leases to deposits | 23.1471% | 6,459 |
| Net loans and leases to core deposits | 24.9890% | 6,442 |
| Total domestic deposits to total assets | 57.8468% | 6,503 |
| Equity capital to assets | 8.2896% | 5,952 |
| Core capital (leverage) ratio | 8.3894% | 5,766 |
| Tier 1 risk-based capital ratio | 33.9143% | 392 |
| Total risk-based capital ratio | 35.2022% | 384 |
| Memoranda: | ||
| Average total assets | $604,884,250 | 1,103 |
| Average earning assets | $593,073,500 | 1,042 |
| Average equity | $50,373,250 | 1,444 |
| Average total loans | $86,187,500 | 3,750 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,842 |
| Cost of funding earning assets | 0.7067% | 1,160 |
| Net interest margin | 3.0002% | 5,524 |
| Noninterest income to average assets | 0.0535% | 6,437 |
| Noninterest expense to average assets | 1.1642% | 6,560 |
| Loan and lease loss provision to assets | 0.2959% | 670 |
| Net operating income to assets | 1.0133% | 2,277 |
| Return on assets (ROA) | 1.0133% | 2,342 |
| Pretax return on assets | 1.5351% | 1,445 |
| Return on Equity (ROE) | 12.1479% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.1479% | 411 |
| Net charge-offs to loans | 1.7990% | 134 |
| Credit loss provision to net charge-offs | 113.8422% | 1,773 |
| Earnings coverage of net charge-offs (x) | 7.0453% | 2,687 |
| Efficiency ratio | 38.8708% | 6,544 |
| Assets per employee ($millions) | 10.6242% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1282% | 1,128 |
| Loan loss allowance to noncurrent loans | 61.8616% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,557 |
| Noncurrent loans to loans | 3.4403% | 780 |
| Net loans and leases to total assets | 13.7392% | 6,575 |
| Net loans and leases to deposits | 23.1187% | 6,522 |
| Net loans and leases to core deposits | 24.9554% | 6,508 |
| Total domestic deposits to total assets | 59.4292% | 6,562 |
| Equity capital to assets | 8.3326% | 5,929 |
| Core capital (leverage) ratio | 8.3940% | 5,748 |
| Tier 1 risk-based capital ratio | 33.9982% | 375 |
| Total risk-based capital ratio | 35.2901% | 364 |
| Memoranda: | ||
| Average total assets | $594,889,670 | 1,120 |
| Average earning assets | $583,299,000 | 1,055 |
| Average equity | $49,621,670 | 1,450 |
| Average total loans | $85,937,670 | 3,771 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 4,811 |
| Cost of funding earning assets | 0.7190% | 1,130 |
| Net interest margin | 2.9917% | 5,547 |
| Noninterest income to average assets | 0.0527% | 6,480 |
| Noninterest expense to average assets | 1.1995% | 6,634 |
| Loan and lease loss provision to assets | 0.2396% | 922 |
| Net operating income to assets | 1.0215% | 2,120 |
| Return on assets (ROA) | 1.0215% | 2,190 |
| Pretax return on assets | 1.5480% | 1,298 |
| Return on Equity (ROE) | 12.2397% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.2397% | 582 |
| Net charge-offs to loans | 1.2749% | 262 |
| Credit loss provision to net charge-offs | 128.2051% | 1,396 |
| Earnings coverage of net charge-offs (x) | 9.5641% | 1,925 |
| Efficiency ratio | 40.1559% | 6,588 |
| Assets per employee ($millions) | 9.9031% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 1,282 |
| Loan loss allowance to noncurrent loans | 47.2723% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 4,204 |
| Noncurrent loans to loans | 4.4941% | 530 |
| Net loans and leases to total assets | 14.0417% | 6,641 |
| Net loans and leases to deposits | 23.2630% | 6,586 |
| Net loans and leases to core deposits | 25.0702% | 6,567 |
| Total domestic deposits to total assets | 60.3608% | 6,639 |
| Equity capital to assets | 8.3487% | 5,784 |
| Core capital (leverage) ratio | 8.4884% | 5,661 |
| Tier 1 risk-based capital ratio | 34.1076% | 376 |
| Total risk-based capital ratio | 35.4209% | 366 |
| Memoranda: | ||
| Average total assets | $584,231,500 | 1,143 |
| Average earning assets | $573,057,000 | 1,079 |
| Average equity | $48,759,500 | 1,470 |
| Average total loans | $85,655,000 | 3,804 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 6,072 |
| Cost of funding earning assets | 0.8793% | 820 |
| Net interest margin | 2.3710% | 6,472 |
| Noninterest income to average assets | 0.0602% | 6,517 |
| Noninterest expense to average assets | 1.2528% | 6,700 |
| Loan and lease loss provision to assets | 0.3388% | 942 |
| Net operating income to assets | 0.5218% | 4,638 |
| Return on assets (ROA) | 0.5218% | 4,767 |
| Pretax return on assets | 0.7906% | 4,180 |
| Return on Equity (ROE) | 5.8492% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.8492% | 2,069 |
| Net charge-offs to loans | 1.2979% | 391 |
| Credit loss provision to net charge-offs | 163.3609% | 1,396 |
| Earnings coverage of net charge-offs (x) | 5.4463% | 3,297 |
| Efficiency ratio | 52.5899% | 6,241 |
| Assets per employee ($millions) | 9.9013% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 1,513 |
| Loan loss allowance to noncurrent loans | 40.3819% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 4,016 |
| Noncurrent loans to loans | 4.9893% | 504 |
| Net loans and leases to total assets | 14.6848% | 6,724 |
| Net loans and leases to deposits | 24.1125% | 6,664 |
| Net loans and leases to core deposits | 25.9633% | 6,646 |
| Total domestic deposits to total assets | 60.9010% | 6,704 |
| Equity capital to assets | 8.3430% | 5,740 |
| Core capital (leverage) ratio | 8.5235% | 5,640 |
| Tier 1 risk-based capital ratio | 33.3941% | 383 |
| Total risk-based capital ratio | 34.6537% | 379 |
| Memoranda: | ||
| Average total assets | $525,145,000 | 1,267 |
| Average earning assets | $514,288,000 | 1,179 |
| Average equity | $46,844,000 | 1,498 |
| Average total loans | $83,902,800 | 3,827 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1738% | 6,235 |
| Cost of funding earning assets | 0.9100% | 780 |
| Net interest margin | 2.2638% | 6,607 |
| Noninterest income to average assets | 0.0632% | 6,592 |
| Noninterest expense to average assets | 1.2596% | 6,765 |
| Loan and lease loss provision to assets | 0.3845% | 804 |
| Net operating income to assets | 0.4193% | 5,166 |
| Return on assets (ROA) | 0.4193% | 5,313 |
| Pretax return on assets | 0.6354% | 4,899 |
| Return on Equity (ROE) | 4.6173% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.6173% | 3,381 |
| Net charge-offs to loans | 1.4763% | 322 |
| Credit loss provision to net charge-offs | 160.2384% | 1,474 |
| Earnings coverage of net charge-offs (x) | 4.2503% | 3,487 |
| Efficiency ratio | 55.2578% | 5,999 |
| Assets per employee ($millions) | 9.2959% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,052 |
| Loan loss allowance to noncurrent loans | 44.9817% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 4,492 |
| Noncurrent loans to loans | 4.1865% | 826 |
| Net loans and leases to total assets | 15.1998% | 6,801 |
| Net loans and leases to deposits | 23.3662% | 6,760 |
| Net loans and leases to core deposits | 25.3696% | 6,745 |
| Total domestic deposits to total assets | 65.0503% | 6,725 |
| Equity capital to assets | 8.5713% | 5,659 |
| Core capital (leverage) ratio | 8.7724% | 5,452 |
| Tier 1 risk-based capital ratio | 33.9359% | 373 |
| Total risk-based capital ratio | 35.1210% | 366 |
| Memoranda: | ||
| Average total assets | $512,862,250 | 1,304 |
| Average earning assets | $502,094,250 | 1,227 |
| Average equity | $46,577,000 | 1,515 |
| Average total loans | $83,362,250 | 3,872 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1024% | 6,340 |
| Cost of funding earning assets | 0.9426% | 734 |
| Net interest margin | 2.1598% | 6,703 |
| Noninterest income to average assets | 0.0639% | 6,625 |
| Noninterest expense to average assets | 1.2786% | 6,803 |
| Loan and lease loss provision to assets | 0.2096% | 1,810 |
| Net operating income to assets | 0.4551% | 4,993 |
| Return on assets (ROA) | 0.4551% | 5,164 |
| Pretax return on assets | 0.6894% | 4,716 |
| Return on Equity (ROE) | 4.9103% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.9103% | 3,110 |
| Net charge-offs to loans | 1.2290% | 465 |
| Credit loss provision to net charge-offs | 103.1434% | 2,146 |
| Earnings coverage of net charge-offs (x) | 4.4244% | 3,136 |
| Efficiency ratio | 58.7168% | 5,642 |
| Assets per employee ($millions) | 8.9469% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,665 |
| Loan loss allowance to noncurrent loans | 30.5212% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 4,581 |
| Noncurrent loans to loans | 4.1475% | 916 |
| Net loans and leases to total assets | 15.6624% | 6,840 |
| Net loans and leases to deposits | 22.9584% | 6,812 |
| Net loans and leases to core deposits | 24.9225% | 6,799 |
| Total domestic deposits to total assets | 68.2209% | 6,711 |
| Equity capital to assets | 8.8043% | 5,443 |
| Core capital (leverage) ratio | 9.0136% | 4,961 |
| Tier 1 risk-based capital ratio | 34.8769% | 343 |
| Total risk-based capital ratio | 35.6771% | 349 |
| Memoranda: | ||
| Average total assets | $500,997,670 | 1,334 |
| Average earning assets | $490,329,000 | 1,253 |
| Average equity | $46,432,670 | 1,523 |
| Average total loans | $82,828,330 | 3,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1716% | 6,330 |
| Cost of funding earning assets | 0.9979% | 619 |
| Net interest margin | 2.1737% | 6,775 |
| Noninterest income to average assets | 0.0525% | 6,726 |
| Noninterest expense to average assets | 1.3003% | 6,877 |
| Loan and lease loss provision to assets | 0.2871% | 1,221 |
| Net operating income to assets | 0.3905% | 5,163 |
| Return on assets (ROA) | 0.3905% | 5,310 |
| Pretax return on assets | 0.5915% | 4,976 |
| Return on Equity (ROE) | 4.1024% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.1024% | 3,758 |
| Net charge-offs to loans | 1.4131% | 385 |
| Credit loss provision to net charge-offs | 120.2749% | 1,593 |
| Earnings coverage of net charge-offs (x) | 3.6804% | 2,700 |
| Efficiency ratio | 59.6762% | 5,632 |
| Assets per employee ($millions) | 8.2348% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,485 |
| Loan loss allowance to noncurrent loans | 30.1448% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 4,517 |
| Noncurrent loans to loans | 4.4693% | 935 |
| Net loans and leases to total assets | 16.3466% | 6,906 |
| Net loans and leases to deposits | 23.1675% | 6,877 |
| Net loans and leases to core deposits | 25.2902% | 6,851 |
| Total domestic deposits to total assets | 70.5581% | 6,733 |
| Equity capital to assets | 9.4366% | 4,945 |
| Core capital (leverage) ratio | 9.4056% | 4,229 |
| Tier 1 risk-based capital ratio | 35.7041% | 326 |
| Total risk-based capital ratio | 36.5689% | 333 |
| Memoranda: | ||
| Average total assets | $487,562,000 | 1,379 |
| Average earning assets | $476,978,000 | 1,297 |
| Average equity | $46,411,500 | 1,545 |
| Average total loans | $82,374,000 | 3,944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 6,502 |
| Cost of funding earning assets | 1.3684% | 281 |
| Net interest margin | 2.0150% | 6,928 |
| Noninterest income to average assets | 0.0525% | 6,676 |
| Noninterest expense to average assets | 1.2044% | 6,980 |
| Loan and lease loss provision to assets | -0.1158% | 6,933 |
| Net operating income to assets | 0.6173% | 4,156 |
| Return on assets (ROA) | 0.6173% | 4,423 |
| Pretax return on assets | 0.9352% | 3,793 |
| Return on Equity (ROE) | 6.9262% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.9262% | 1,605 |
| Net charge-offs to loans | 1.1115% | 946 |
| Credit loss provision to net charge-offs | -64.9496% | 6,295 |
| Earnings coverage of net charge-offs (x) | 4.5980% | 3,312 |
| Efficiency ratio | 59.5109% | 5,615 |
| Assets per employee ($millions) | 8.2938% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,821 |
| Loan loss allowance to noncurrent loans | 31.3231% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 4,755 |
| Noncurrent loans to loans | 4.0215% | 1,163 |
| Net loans and leases to total assets | 17.0121% | 6,965 |
| Net loans and leases to deposits | 23.4162% | 6,937 |
| Net loans and leases to core deposits | 25.8933% | 6,911 |
| Total domestic deposits to total assets | 72.6513% | 6,645 |
| Equity capital to assets | 9.6038% | 4,742 |
| Core capital (leverage) ratio | 9.1170% | 4,713 |
| Tier 1 risk-based capital ratio | 36.2676% | 308 |
| Total risk-based capital ratio | 37.1079% | 315 |
| Memoranda: | ||
| Average total assets | $501,069,400 | 1,332 |
| Average earning assets | $490,224,800 | 1,242 |
| Average equity | $44,656,600 | 1,561 |
| Average total loans | $80,345,400 | 4,031 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 6,440 |
| Cost of funding earning assets | 1.4137% | 283 |
| Net interest margin | 2.1478% | 6,999 |
| Noninterest income to average assets | 0.0519% | 6,792 |
| Noninterest expense to average assets | 1.1742% | 7,085 |
| Loan and lease loss provision to assets | -0.0184% | 6,961 |
| Net operating income to assets | 0.6584% | 4,099 |
| Return on assets (ROA) | 0.6584% | 4,367 |
| Pretax return on assets | 0.9975% | 3,727 |
| Return on Equity (ROE) | 7.5261% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.5261% | 1,844 |
| Net charge-offs to loans | 1.0672% | 977 |
| Credit loss provision to net charge-offs | -10.9718% | 6,101 |
| Earnings coverage of net charge-offs (x) | 5.8244% | 2,918 |
| Efficiency ratio | 54.5332% | 6,198 |
| Assets per employee ($millions) | 8.8254% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2054% | 1,694 |
| Loan loss allowance to noncurrent loans | 59.6046% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 5,168 |
| Noncurrent loans to loans | 3.7000% | 1,440 |
| Net loans and leases to total assets | 15.9463% | 7,068 |
| Net loans and leases to deposits | 22.5665% | 7,051 |
| Net loans and leases to core deposits | 24.8151% | 7,038 |
| Total domestic deposits to total assets | 70.6638% | 6,813 |
| Equity capital to assets | 9.1472% | 5,649 |
| Core capital (leverage) ratio | 8.7192% | 5,448 |
| Tier 1 risk-based capital ratio | 34.7114% | 368 |
| Total risk-based capital ratio | 35.9635% | 362 |
| Memoranda: | ||
| Average total assets | $506,077,000 | 1,339 |
| Average earning assets | $495,130,750 | 1,243 |
| Average equity | $44,271,250 | 1,589 |
| Average total loans | $79,712,000 | 4,089 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 6,197 |
| Cost of funding earning assets | 1.4476% | 286 |
| Net interest margin | 2.3293% | 6,996 |
| Noninterest income to average assets | 0.0509% | 6,854 |
| Noninterest expense to average assets | 1.1568% | 7,155 |
| Loan and lease loss provision to assets | 0.2406% | 2,658 |
| Net operating income to assets | 0.6153% | 4,310 |
| Return on assets (ROA) | 0.6153% | 4,556 |
| Pretax return on assets | 0.9324% | 3,957 |
| Return on Equity (ROE) | 7.1412% | 3,708 |
| Retained earnings to average equity (ytd only) | 7.1412% | 2,026 |
| Net charge-offs to loans | 1.4391% | 704 |
| Credit loss provision to net charge-offs | 107.3944% | 2,539 |
| Earnings coverage of net charge-offs (x) | 5.2359% | 2,878 |
| Efficiency ratio | 49.6530% | 6,665 |
| Assets per employee ($millions) | 8.8417% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1853% | 650 |
| Loan loss allowance to noncurrent loans | 106.8922% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 5,630 |
| Noncurrent loans to loans | 2.9799% | 1,991 |
| Net loans and leases to total assets | 14.9097% | 7,144 |
| Net loans and leases to deposits | 21.5057% | 7,120 |
| Net loans and leases to core deposits | 23.6877% | 7,104 |
| Total domestic deposits to total assets | 69.3291% | 6,940 |
| Equity capital to assets | 8.5793% | 6,135 |
| Core capital (leverage) ratio | 8.3994% | 5,789 |
| Tier 1 risk-based capital ratio | 33.8050% | 379 |
| Total risk-based capital ratio | 35.0639% | 376 |
| Memoranda: | ||
| Average total assets | $507,086,000 | 1,335 |
| Average earning assets | $496,120,000 | 1,243 |
| Average equity | $43,690,000 | 1,601 |
| Average total loans | $78,940,330 | 4,128 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 5,816 |
| Cost of funding earning assets | 1.4661% | 334 |
| Net interest margin | 2.5182% | 6,943 |
| Noninterest income to average assets | 0.0496% | 6,930 |
| Noninterest expense to average assets | 1.1509% | 7,220 |
| Loan and lease loss provision to assets | 0.2401% | 2,549 |
| Net operating income to assets | 0.7403% | 3,673 |
| Return on assets (ROA) | 0.7403% | 3,909 |
| Pretax return on assets | 1.1221% | 3,233 |
| Return on Equity (ROE) | 8.5732% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.5732% | 1,748 |
| Net charge-offs to loans | 0.9560% | 1,085 |
| Credit loss provision to net charge-offs | 160.4278% | 1,579 |
| Earnings coverage of net charge-offs (x) | 9.1016% | 1,882 |
| Efficiency ratio | 45.7962% | 6,911 |
| Assets per employee ($millions) | 8.7820% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3687% | 588 |
| Loan loss allowance to noncurrent loans | 114.8472% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 5,734 |
| Noncurrent loans to loans | 2.9332% | 2,201 |
| Net loans and leases to total assets | 14.8110% | 7,202 |
| Net loans and leases to deposits | 21.2213% | 7,178 |
| Net loans and leases to core deposits | 23.3779% | 7,162 |
| Total domestic deposits to total assets | 69.7930% | 6,991 |
| Equity capital to assets | 8.5688% | 6,019 |
| Core capital (leverage) ratio | 8.6019% | 5,442 |
| Tier 1 risk-based capital ratio | 34.2755% | 356 |
| Total risk-based capital ratio | 35.5356% | 350 |
| Memoranda: | ||
| Average total assets | $499,798,500 | 1,356 |
| Average earning assets | $488,925,000 | 1,263 |
| Average equity | $43,157,500 | 1,615 |
| Average total loans | $78,242,000 | 4,169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 5,903 |
| Cost of funding earning assets | 1.6640% | 371 |
| Net interest margin | 2.5916% | 7,006 |
| Noninterest income to average assets | 0.0550% | 6,813 |
| Noninterest expense to average assets | 1.2497% | 7,255 |
| Loan and lease loss provision to assets | 0.3269% | 3,068 |
| Net operating income to assets | 0.6649% | 3,662 |
| Return on assets (ROA) | 0.6649% | 3,849 |
| Pretax return on assets | 1.0074% | 3,216 |
| Return on Equity (ROE) | 7.2988% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.2988% | 1,361 |
| Net charge-offs to loans | 1.0832% | 1,594 |
| Credit loss provision to net charge-offs | 186.4728% | 1,387 |
| Earnings coverage of net charge-offs (x) | 7.6106% | 2,307 |
| Efficiency ratio | 48.3616% | 6,929 |
| Assets per employee ($millions) | 8.4524% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2099% | 676 |
| Loan loss allowance to noncurrent loans | 86.8830% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 5,491 |
| Noncurrent loans to loans | 3.6945% | 1,707 |
| Net loans and leases to total assets | 15.4814% | 7,256 |
| Net loans and leases to deposits | 22.3564% | 7,231 |
| Net loans and leases to core deposits | 24.5391% | 7,210 |
| Total domestic deposits to total assets | 69.2483% | 7,024 |
| Equity capital to assets | 8.7037% | 5,892 |
| Core capital (leverage) ratio | 8.7628% | 5,156 |
| Tier 1 risk-based capital ratio | 34.6522% | 342 |
| Total risk-based capital ratio | 35.9139% | 333 |
| Memoranda: | ||
| Average total assets | $451,163,800 | 1,453 |
| Average earning assets | $440,264,200 | 1,376 |
| Average equity | $41,102,400 | 1,630 |
| Average total loans | $73,023,200 | 4,379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 5,926 |
| Cost of funding earning assets | 1.7126% | 380 |
| Net interest margin | 2.5950% | 7,076 |
| Noninterest income to average assets | 0.0565% | 6,932 |
| Noninterest expense to average assets | 1.2572% | 7,326 |
| Loan and lease loss provision to assets | 0.3428% | 2,826 |
| Net operating income to assets | 0.6516% | 3,865 |
| Return on assets (ROA) | 0.6516% | 4,035 |
| Pretax return on assets | 0.9871% | 3,450 |
| Return on Equity (ROE) | 7.0643% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.0643% | 1,935 |
| Net charge-offs to loans | 1.2761% | 1,216 |
| Credit loss provision to net charge-offs | 165.4519% | 1,842 |
| Earnings coverage of net charge-offs (x) | 6.4184% | 2,557 |
| Efficiency ratio | 48.5931% | 6,915 |
| Assets per employee ($millions) | 7.9228% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0152% | 850 |
| Loan loss allowance to noncurrent loans | 96.1247% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 5,813 |
| Noncurrent loans to loans | 3.1367% | 2,219 |
| Net loans and leases to total assets | 15.7028% | 7,334 |
| Net loans and leases to deposits | 22.5847% | 7,305 |
| Net loans and leases to core deposits | 24.7424% | 7,290 |
| Total domestic deposits to total assets | 69.5286% | 7,060 |
| Equity capital to assets | 8.9619% | 5,795 |
| Core capital (leverage) ratio | 8.9728% | 4,978 |
| Tier 1 risk-based capital ratio | 35.3053% | 342 |
| Total risk-based capital ratio | 36.5638% | 332 |
| Memoranda: | ||
| Average total assets | $441,395,000 | 1,490 |
| Average earning assets | $430,458,250 | 1,414 |
| Average equity | $40,710,750 | 1,655 |
| Average total loans | $71,675,750 | 4,469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 5,957 |
| Cost of funding earning assets | 1.7537% | 378 |
| Net interest margin | 2.5652% | 7,143 |
| Noninterest income to average assets | 0.0573% | 7,016 |
| Noninterest expense to average assets | 1.3039% | 7,391 |
| Loan and lease loss provision to assets | 0.2935% | 3,052 |
| Net operating income to assets | 0.6337% | 3,893 |
| Return on assets (ROA) | 0.6337% | 4,017 |
| Pretax return on assets | 0.9600% | 3,392 |
| Return on Equity (ROE) | 6.8011% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.8011% | 1,967 |
| Net charge-offs to loans | 1.4075% | 1,076 |
| Credit loss provision to net charge-offs | 128.2828% | 2,382 |
| Earnings coverage of net charge-offs (x) | 5.4788% | 2,606 |
| Efficiency ratio | 50.9850% | 6,873 |
| Assets per employee ($millions) | 8.0652% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7156% | 1,165 |
| Loan loss allowance to noncurrent loans | 74.8767% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 5,731 |
| Noncurrent loans to loans | 3.6268% | 1,942 |
| Net loans and leases to total assets | 15.6495% | 7,410 |
| Net loans and leases to deposits | 22.3513% | 7,388 |
| Net loans and leases to core deposits | 24.4398% | 7,376 |
| Total domestic deposits to total assets | 70.0163% | 7,110 |
| Equity capital to assets | 9.0951% | 5,450 |
| Core capital (leverage) ratio | 9.1181% | 4,534 |
| Tier 1 risk-based capital ratio | 35.8347% | 327 |
| Total risk-based capital ratio | 37.0908% | 322 |
| Memoranda: | ||
| Average total assets | $432,711,670 | 1,530 |
| Average earning assets | $421,728,000 | 1,449 |
| Average equity | $40,317,000 | 1,663 |
| Average total loans | $70,339,670 | 4,566 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 6,043 |
| Cost of funding earning assets | 1.7805% | 406 |
| Net interest margin | 2.5083% | 7,195 |
| Noninterest income to average assets | 0.0577% | 7,104 |
| Noninterest expense to average assets | 1.3165% | 7,450 |
| Loan and lease loss provision to assets | 0.3072% | 2,711 |
| Net operating income to assets | 0.5793% | 4,139 |
| Return on assets (ROA) | 0.5793% | 4,208 |
| Pretax return on assets | 0.8770% | 3,586 |
| Return on Equity (ROE) | 6.1397% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.1397% | 2,552 |
| Net charge-offs to loans | 1.9716% | 647 |
| Credit loss provision to net charge-offs | 95.3079% | 2,842 |
| Earnings coverage of net charge-offs (x) | 3.6745% | 2,669 |
| Efficiency ratio | 52.6455% | 6,814 |
| Assets per employee ($millions) | 7.7693% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5956% | 1,320 |
| Loan loss allowance to noncurrent loans | 73.8318% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 5,836 |
| Noncurrent loans to loans | 3.5156% | 2,118 |
| Net loans and leases to total assets | 15.6718% | 7,470 |
| Net loans and leases to deposits | 22.0268% | 7,451 |
| Net loans and leases to core deposits | 23.9654% | 7,440 |
| Total domestic deposits to total assets | 71.1490% | 7,129 |
| Equity capital to assets | 9.2397% | 4,829 |
| Core capital (leverage) ratio | 9.4171% | 3,933 |
| Tier 1 risk-based capital ratio | 37.1196% | 297 |
| Total risk-based capital ratio | 38.3753% | 290 |
| Memoranda: | ||
| Average total assets | $423,243,000 | 1,572 |
| Average earning assets | $412,237,000 | 1,483 |
| Average equity | $39,936,500 | 1,670 |
| Average total loans | $69,182,500 | 4,643 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 6,447 |
| Cost of funding earning assets | 1.9665% | 682 |
| Net interest margin | 2.5116% | 7,263 |
| Noninterest income to average assets | 0.0633% | 7,049 |
| Noninterest expense to average assets | 1.3205% | 7,514 |
| Loan and lease loss provision to assets | 0.2926% | 4,454 |
| Net operating income to assets | 0.5901% | 3,718 |
| Return on assets (ROA) | 0.5829% | 3,906 |
| Pretax return on assets | 0.8834% | 3,365 |
| Return on Equity (ROE) | 5.9747% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.9747% | 1,834 |
| Net charge-offs to loans | 0.8490% | 2,512 |
| Credit loss provision to net charge-offs | 203.1524% | 1,530 |
| Earnings coverage of net charge-offs (x) | 8.2399% | 1,999 |
| Efficiency ratio | 52.6660% | 6,935 |
| Assets per employee ($millions) | 7.4801% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6798% | 1,193 |
| Loan loss allowance to noncurrent loans | 70.6518% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 5,741 |
| Noncurrent loans to loans | 3.7930% | 1,951 |
| Net loans and leases to total assets | 16.1716% | 7,553 |
| Net loans and leases to deposits | 22.3618% | 7,540 |
| Net loans and leases to core deposits | 24.3837% | 7,527 |
| Total domestic deposits to total assets | 72.3181% | 7,055 |
| Equity capital to assets | 9.6433% | 4,217 |
| Core capital (leverage) ratio | 9.7463% | 3,381 |
| Tier 1 risk-based capital ratio | 37.8959% | 279 |
| Total risk-based capital ratio | 39.1524% | 271 |
| Memoranda: | ||
| Average total assets | $396,434,800 | 1,666 |
| Average earning assets | $385,768,800 | 1,566 |
| Average equity | $38,679,800 | 1,712 |
| Average total loans | $67,257,800 | 4,779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 6,486 |
| Cost of funding earning assets | 1.9892% | 778 |
| Net interest margin | 2.5528% | 7,342 |
| Noninterest income to average assets | 0.0648% | 7,206 |
| Noninterest expense to average assets | 1.3041% | 7,635 |
| Loan and lease loss provision to assets | 0.3005% | 4,168 |
| Net operating income to assets | 0.6238% | 3,776 |
| Return on assets (ROA) | 0.6142% | 3,991 |
| Pretax return on assets | 0.9306% | 3,446 |
| Return on Equity (ROE) | 6.2759% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.2759% | 2,215 |
| Net charge-offs to loans | 0.8241% | 2,393 |
| Credit loss provision to net charge-offs | 213.7681% | 1,642 |
| Earnings coverage of net charge-offs (x) | 8.8623% | 2,100 |
| Efficiency ratio | 51.1451% | 7,059 |
| Assets per employee ($millions) | 7.0934% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 1,350 |
| Loan loss allowance to noncurrent loans | 68.7525% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,875 |
| Noncurrent loans to loans | 3.6167% | 2,160 |
| Net loans and leases to total assets | 16.9212% | 7,649 |
| Net loans and leases to deposits | 22.7169% | 7,645 |
| Net loans and leases to core deposits | 24.7723% | 7,629 |
| Total domestic deposits to total assets | 74.4871% | 6,858 |
| Equity capital to assets | 9.9272% | 4,256 |
| Core capital (leverage) ratio | 9.7527% | 3,549 |
| Tier 1 risk-based capital ratio | 37.6355% | 291 |
| Total risk-based capital ratio | 38.8908% | 286 |
| Memoranda: | ||
| Average total assets | $392,692,000 | 1,702 |
| Average earning assets | $382,256,000 | 1,598 |
| Average equity | $38,431,500 | 1,735 |
| Average total loans | $66,981,500 | 4,865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 6,536 |
| Cost of funding earning assets | 1.9721% | 980 |
| Net interest margin | 2.5976% | 7,349 |
| Noninterest income to average assets | 0.0649% | 7,258 |
| Noninterest expense to average assets | 1.2997% | 7,710 |
| Loan and lease loss provision to assets | 0.2735% | 4,198 |
| Net operating income to assets | 0.6733% | 3,517 |
| Return on assets (ROA) | 0.6733% | 3,663 |
| Pretax return on assets | 1.0205% | 3,041 |
| Return on Equity (ROE) | 6.9139% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.9139% | 1,879 |
| Net charge-offs to loans | 0.8171% | 2,205 |
| Credit loss provision to net charge-offs | 197.4170% | 1,999 |
| Earnings coverage of net charge-offs (x) | 9.3395% | 2,034 |
| Efficiency ratio | 50.1084% | 7,216 |
| Assets per employee ($millions) | 7.3731% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 1,671 |
| Loan loss allowance to noncurrent loans | 66.6225% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 6,051 |
| Noncurrent loans to loans | 3.3768% | 2,365 |
| Net loans and leases to total assets | 16.4459% | 7,723 |
| Net loans and leases to deposits | 22.7630% | 7,712 |
| Net loans and leases to core deposits | 24.7824% | 7,700 |
| Total domestic deposits to total assets | 72.2483% | 7,165 |
| Equity capital to assets | 9.7783% | 4,301 |
| Core capital (leverage) ratio | 9.5115% | 3,807 |
| Tier 1 risk-based capital ratio | 37.3789% | 293 |
| Total risk-based capital ratio | 38.6314% | 286 |
| Memoranda: | ||
| Average total assets | $391,179,330 | 1,721 |
| Average earning assets | $380,807,670 | 1,623 |
| Average equity | $38,097,330 | 1,744 |
| Average total loans | $66,332,000 | 4,928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 6,236 |
| Cost of funding earning assets | 1.9906% | 1,123 |
| Net interest margin | 2.7109% | 7,285 |
| Noninterest income to average assets | 0.0640% | 7,402 |
| Noninterest expense to average assets | 1.3072% | 7,802 |
| Loan and lease loss provision to assets | 0.3611% | 3,206 |
| Net operating income to assets | 0.6840% | 3,504 |
| Return on assets (ROA) | 0.6840% | 3,623 |
| Pretax return on assets | 1.0359% | 2,952 |
| Return on Equity (ROE) | 7.0382% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.0382% | 2,116 |
| Net charge-offs to loans | 0.5272% | 2,486 |
| Credit loss provision to net charge-offs | 402.2989% | 1,012 |
| Earnings coverage of net charge-offs (x) | 15.5632% | 1,377 |
| Efficiency ratio | 48.3403% | 7,414 |
| Assets per employee ($millions) | 7.4413% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2794% | 1,612 |
| Loan loss allowance to noncurrent loans | 94.6574% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 6,466 |
| Noncurrent loans to loans | 2.4080% | 3,269 |
| Net loans and leases to total assets | 16.3709% | 7,820 |
| Net loans and leases to deposits | 23.4662% | 7,809 |
| Net loans and leases to core deposits | 25.5108% | 7,791 |
| Total domestic deposits to total assets | 69.7638% | 7,425 |
| Equity capital to assets | 9.6413% | 4,319 |
| Core capital (leverage) ratio | 9.6246% | 3,612 |
| Tier 1 risk-based capital ratio | 37.0552% | 307 |
| Total risk-based capital ratio | 38.3182% | 299 |
| Memoranda: | ||
| Average total assets | $387,695,000 | 1,778 |
| Average earning assets | $377,581,000 | 1,672 |
| Average equity | $37,680,000 | 1,787 |
| Average total loans | $66,005,000 | 4,999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 6,149 |
| Cost of funding earning assets | 2.3976% | 1,309 |
| Net interest margin | 2.6869% | 7,226 |
| Noninterest income to average assets | 0.0670% | 7,414 |
| Noninterest expense to average assets | 1.4176% | 7,838 |
| Loan and lease loss provision to assets | 0.4309% | 4,245 |
| Net operating income to assets | 0.5501% | 3,524 |
| Return on assets (ROA) | 0.5501% | 3,614 |
| Pretax return on assets | 0.8334% | 3,136 |
| Return on Equity (ROE) | 5.3754% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.3754% | 1,636 |
| Net charge-offs to loans | 1.3906% | 1,805 |
| Credit loss provision to net charge-offs | 173.2877% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.0845% | 2,692 |
| Efficiency ratio | 52.8577% | 7,332 |
| Assets per employee ($millions) | 7.1887% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,298 |
| Loan loss allowance to noncurrent loans | 69.8707% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 6,293 |
| Noncurrent loans to loans | 2.6979% | 2,854 |
| Net loans and leases to total assets | 16.9805% | 7,896 |
| Net loans and leases to deposits | 24.3701% | 7,877 |
| Net loans and leases to core deposits | 36.1180% | 7,807 |
| Total domestic deposits to total assets | 69.6776% | 7,450 |
| Equity capital to assets | 9.7994% | 4,003 |
| Core capital (leverage) ratio | 9.7684% | 3,370 |
| Tier 1 risk-based capital ratio | 37.4737% | 294 |
| Total risk-based capital ratio | 38.7393% | 285 |
| Memoranda: | ||
| Average total assets | $352,292,000 | 1,928 |
| Average earning assets | $342,843,200 | 1,823 |
| Average equity | $36,053,200 | 1,868 |
| Average total loans | $62,992,200 | 5,134 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 5,937 |
| Cost of funding earning assets | 2.4754% | 1,375 |
| Net interest margin | 2.7097% | 7,199 |
| Noninterest income to average assets | 0.0761% | 7,526 |
| Noninterest expense to average assets | 1.3715% | 7,933 |
| Loan and lease loss provision to assets | 0.4377% | 3,718 |
| Net operating income to assets | 0.5965% | 3,614 |
| Return on assets (ROA) | 0.5965% | 3,671 |
| Pretax return on assets | 0.9036% | 3,217 |
| Return on Equity (ROE) | 5.7612% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.7612% | 2,073 |
| Net charge-offs to loans | 1.3578% | 1,517 |
| Credit loss provision to net charge-offs | 178.7066% | 2,574 |
| Earnings coverage of net charge-offs (x) | 5.4764% | 2,810 |
| Efficiency ratio | 50.5554% | 7,510 |
| Assets per employee ($millions) | 6.8741% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 2,618 |
| Loan loss allowance to noncurrent loans | 58.1088% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 6,152 |
| Noncurrent loans to loans | 2.9308% | 2,601 |
| Net loans and leases to total assets | 17.1038% | 7,977 |
| Net loans and leases to deposits | 24.9338% | 7,959 |
| Net loans and leases to core deposits | 36.9046% | 7,888 |
| Total domestic deposits to total assets | 68.5968% | 7,529 |
| Equity capital to assets | 9.9269% | 4,178 |
| Core capital (leverage) ratio | 9.7831% | 3,536 |
| Tier 1 risk-based capital ratio | 37.3500% | 326 |
| Total risk-based capital ratio | 38.5067% | 322 |
| Memoranda: | ||
| Average total assets | $345,114,500 | 1,990 |
| Average earning assets | $335,824,250 | 1,866 |
| Average equity | $35,732,500 | 1,906 |
| Average total loans | $62,255,500 | 5,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2521% | 5,855 |
| Cost of funding earning assets | 2.5221% | 1,538 |
| Net interest margin | 2.7300% | 7,140 |
| Noninterest income to average assets | 0.0803% | 7,580 |
| Noninterest expense to average assets | 1.3947% | 8,009 |
| Loan and lease loss provision to assets | 0.4976% | 3,049 |
| Net operating income to assets | 0.5559% | 3,857 |
| Return on assets (ROA) | 0.5559% | 3,973 |
| Pretax return on assets | 0.8424% | 3,532 |
| Return on Equity (ROE) | 5.2884% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.2884% | 2,352 |
| Net charge-offs to loans | 1.7112% | 1,104 |
| Credit loss provision to net charge-offs | 159.1255% | 2,888 |
| Earnings coverage of net charge-offs (x) | 4.2852% | 3,149 |
| Efficiency ratio | 51.0000% | 7,595 |
| Assets per employee ($millions) | 6.7575% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 3,298 |
| Loan loss allowance to noncurrent loans | 65.8730% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 6,432 |
| Noncurrent loans to loans | 2.2492% | 3,187 |
| Net loans and leases to total assets | 16.9506% | 8,065 |
| Net loans and leases to deposits | 24.3153% | 8,045 |
| Net loans and leases to core deposits | 35.7640% | 7,981 |
| Total domestic deposits to total assets | 69.7118% | 7,500 |
| Equity capital to assets | 10.0467% | 3,876 |
| Core capital (leverage) ratio | 10.1804% | 3,116 |
| Tier 1 risk-based capital ratio | 38.6819% | 335 |
| Total risk-based capital ratio | 39.6729% | 332 |
| Memoranda: | ||
| Average total assets | $336,418,000 | 2,057 |
| Average earning assets | $327,104,330 | 1,932 |
| Average equity | $35,360,330 | 1,921 |
| Average total loans | $61,477,330 | 5,267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3880% | 5,485 |
| Cost of funding earning assets | 2.5379% | 1,774 |
| Net interest margin | 2.8501% | 6,877 |
| Noninterest income to average assets | 0.0676% | 7,728 |
| Noninterest expense to average assets | 1.3270% | 8,069 |
| Loan and lease loss provision to assets | 0.5676% | 2,216 |
| Net operating income to assets | 0.6229% | 3,925 |
| Return on assets (ROA) | 0.6229% | 4,105 |
| Pretax return on assets | 0.9436% | 3,556 |
| Return on Equity (ROE) | 5.7861% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.7861% | 2,735 |
| Net charge-offs to loans | 2.1366% | 674 |
| Credit loss provision to net charge-offs | 140.8537% | 2,897 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,077 |
| Efficiency ratio | 46.7532% | 7,808 |
| Assets per employee ($millions) | 6.9210% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,762 |
| Loan loss allowance to noncurrent loans | 62.3201% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 6,337 |
| Noncurrent loans to loans | 1.9365% | 3,359 |
| Net loans and leases to total assets | 17.4106% | 8,109 |
| Net loans and leases to deposits | 24.9864% | 8,090 |
| Net loans and leases to core deposits | 36.5600% | 8,021 |
| Total domestic deposits to total assets | 69.6802% | 7,455 |
| Equity capital to assets | 10.2344% | 3,725 |
| Core capital (leverage) ratio | 10.8258% | 2,638 |
| Tier 1 risk-based capital ratio | 40.0223% | 329 |
| Total risk-based capital ratio | 40.8585% | 325 |
| Memoranda: | ||
| Average total assets | $325,554,000 | 2,133 |
| Average earning assets | $316,483,500 | 2,018 |
| Average equity | $35,049,500 | 1,943 |
| Average total loans | $61,405,500 | 5,307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 7,356 |
| Cost of funding earning assets | 2.9251% | 2,160 |
| Net interest margin | 2.5480% | 7,696 |
| Noninterest income to average assets | 0.0505% | 7,887 |
| Noninterest expense to average assets | 1.5631% | 7,995 |
| Loan and lease loss provision to assets | 0.3622% | 3,514 |
| Net operating income to assets | 0.3931% | 5,177 |
| Return on assets (ROA) | 0.3339% | 5,245 |
| Pretax return on assets | 0.5025% | 4,968 |
| Return on Equity (ROE) | 2.6575% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.6575% | 3,526 |
| Net charge-offs to loans | 1.1644% | 1,043 |
| Credit loss provision to net charge-offs | 141.6193% | 3,741 |
| Earnings coverage of net charge-offs (x) | 3.7315% | 4,242 |
| Efficiency ratio | 62.0869% | 5,937 |
| Assets per employee ($millions) | 6.3554% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 6,248 |
| Loan loss allowance to noncurrent loans | 26.2424% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 4,901 |
| Noncurrent loans to loans | 3.7104% | 1,355 |
| Net loans and leases to total assets | 20.0695% | 8,152 |
| Net loans and leases to deposits | 28.7650% | 8,128 |
| Net loans and leases to core deposits | 41.1521% | 8,031 |
| Total domestic deposits to total assets | 69.7705% | 7,302 |
| Equity capital to assets | 11.3692% | 2,730 |
| Core capital (leverage) ratio | 11.6307% | 2,174 |
| Tier 1 risk-based capital ratio | 41.0660% | 314 |
| Total risk-based capital ratio | 41.7782% | 320 |
| Memoranda: | ||
| Average total assets | $275,225,400 | 2,345 |
| Average earning assets | $266,487,400 | 2,246 |
| Average equity | $34,581,800 | 1,966 |
| Average total loans | $60,459,800 | 5,246 |