Home > Cape Cod Co-operative Bank > Performance and Condition Ratios
Cape Cod Co-operative 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 | 4.3458% | 3,360 |
| Cost of funding earning assets | 1.8858% | 1,092 |
| Net interest margin | 2.4600% | 4,130 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.3615% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2689% | 4,071 |
| Return on assets (ROA) | 0.2693% | 4,075 |
| Pretax return on assets | 0.2327% | 4,161 |
| Return on Equity (ROE) | 2.7900% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.7933% | 3,345 |
| Net charge-offs to loans | 0.0008% | 2,858 |
| Credit loss provision to net charge-offs | 20.0000% | 2,310 |
| Earnings coverage of net charge-offs (x) | 355.5000% | 382 |
| Efficiency ratio | 90.9487% | 386 |
| Assets per employee ($millions) | 9.6780% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 4,066 |
| Loan loss allowance to noncurrent loans | 379.3129% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,406 |
| Noncurrent loans to loans | 0.1957% | 2,534 |
| Net loans and leases to total assets | 86.2500% | 149 |
| Net loans and leases to deposits | 105.3617% | 311 |
| Net loans and leases to core deposits | 127.8440% | 441 |
| Total domestic deposits to total assets | 81.8600% | 3,151 |
| Equity capital to assets | 9.4957% | 2,348 |
| Core capital (leverage) ratio | 9.7891% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,512,630,400 | 715 |
| Average earning assets | $1,416,496,600 | 695 |
| Average equity | $145,847,200 | 689 |
| Average total loans | $1,300,958,400 | 583 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 3,308 |
| Cost of funding earning assets | 1.7490% | 1,098 |
| Net interest margin | 2.5439% | 4,096 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.4524% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2940% | 4,119 |
| Return on assets (ROA) | 0.2927% | 4,128 |
| Pretax return on assets | 0.2239% | 4,227 |
| Return on Equity (ROE) | 3.0200% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.0241% | 3,501 |
| Net charge-offs to loans | 0.0010% | 2,593 |
| Credit loss provision to net charge-offs | 20.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 257.6000% | 504 |
| Efficiency ratio | 91.4671% | 334 |
| Assets per employee ($millions) | 9.3387% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 4,043 |
| Loan loss allowance to noncurrent loans | 511.1394% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,691 |
| Noncurrent loans to loans | 0.1497% | 2,808 |
| Net loans and leases to total assets | 85.6000% | 176 |
| Net loans and leases to deposits | 99.5615% | 536 |
| Net loans and leases to core deposits | 120.0104% | 549 |
| Total domestic deposits to total assets | 85.9800% | 2,200 |
| Equity capital to assets | 9.6610% | 2,009 |
| Core capital (leverage) ratio | 9.7861% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,501,248,000 | 721 |
| Average earning assets | $1,405,515,250 | 702 |
| Average equity | $145,319,500 | 683 |
| Average total loans | $1,287,713,500 | 588 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 3,297 |
| Cost of funding earning assets | 1.6259% | 1,004 |
| Net interest margin | 2.5711% | 4,138 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5372% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2868% | 4,172 |
| Return on assets (ROA) | 0.2868% | 4,203 |
| Pretax return on assets | 0.1542% | 4,361 |
| Return on Equity (ROE) | 2.9600% | 4,164 |
| Retained earnings to average equity (ytd only) | 2.9612% | 3,490 |
| Net charge-offs to loans | 0.0016% | 2,338 |
| Credit loss provision to net charge-offs | 350.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 116.3000% | 865 |
| Efficiency ratio | 94.2194% | 257 |
| Assets per employee ($millions) | 9.2932% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 4,072 |
| Loan loss allowance to noncurrent loans | 475.7433% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,579 |
| Noncurrent loans to loans | 0.1622% | 2,666 |
| Net loans and leases to total assets | 85.0500% | 204 |
| Net loans and leases to deposits | 98.6813% | 575 |
| Net loans and leases to core deposits | 123.3185% | 444 |
| Total domestic deposits to total assets | 86.1900% | 2,174 |
| Equity capital to assets | 9.5773% | 2,107 |
| Core capital (leverage) ratio | 9.8396% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,494,262,000 | 714 |
| Average earning assets | $1,399,224,000 | 696 |
| Average equity | $144,739,000 | 681 |
| Average total loans | $1,279,247,667 | 577 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 3,167 |
| Cost of funding earning assets | 1.4610% | 916 |
| Net interest margin | 2.6760% | 4,103 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.8007% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3162% | 4,228 |
| Return on assets (ROA) | 0.3177% | 4,184 |
| Pretax return on assets | -0.0311% | 4,475 |
| Return on Equity (ROE) | 3.2600% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.2610% | 3,449 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 101.1919% | 159 |
| Assets per employee ($millions) | 9.2757% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,059 |
| Loan loss allowance to noncurrent loans | 524.0481% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 2,579 |
| Noncurrent loans to loans | 0.1557% | 2,710 |
| Net loans and leases to total assets | 85.1500% | 180 |
| Net loans and leases to deposits | 99.8647% | 448 |
| Net loans and leases to core deposits | 116.1575% | 532 |
| Total domestic deposits to total assets | 85.2700% | 2,790 |
| Equity capital to assets | 9.6912% | 2,004 |
| Core capital (leverage) ratio | 9.9070% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,479,348,000 | 730 |
| Average earning assets | $1,385,044,500 | 710 |
| Average equity | $144,125,500 | 698 |
| Average total loans | $1,265,688,000 | 593 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2487% | 3,720 |
| Cost of funding earning assets | 0.2923% | 2,946 |
| Net interest margin | 2.9564% | 3,555 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.2255% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6947% | 3,631 |
| Return on assets (ROA) | 0.6913% | 3,592 |
| Pretax return on assets | 0.9119% | 3,322 |
| Return on Equity (ROE) | 7.0500% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.0465% | 2,223 |
| Net charge-offs to loans | -0.0251% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.8863% | 1,577 |
| Assets per employee ($millions) | 9.1013% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 3,948 |
| Loan loss allowance to noncurrent loans | 738.1793% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,867 |
| Noncurrent loans to loans | 0.1134% | 2,958 |
| Net loans and leases to total assets | 84.5400% | 221 |
| Net loans and leases to deposits | 99.9613% | 437 |
| Net loans and leases to core deposits | 105.4235% | 769 |
| Total domestic deposits to total assets | 84.5800% | 3,087 |
| Equity capital to assets | 9.7947% | 1,830 |
| Core capital (leverage) ratio | 10.2182% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,411,337,400 | 740 |
| Average earning assets | $1,329,316,800 | 724 |
| Average equity | $138,465,000 | 715 |
| Average total loans | $1,072,127,800 | 645 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 3,790 |
| Cost of funding earning assets | 0.1583% | 3,746 |
| Net interest margin | 2.8936% | 3,513 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2149% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6884% | 3,596 |
| Return on assets (ROA) | 0.6839% | 3,569 |
| Pretax return on assets | 0.8965% | 3,329 |
| Return on Equity (ROE) | 6.9700% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.9677% | 2,371 |
| Net charge-offs to loans | -0.0350% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.1210% | 1,626 |
| Assets per employee ($millions) | 9.0501% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 3,806 |
| Loan loss allowance to noncurrent loans | 724.4460% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,936 |
| Noncurrent loans to loans | 0.1266% | 3,004 |
| Net loans and leases to total assets | 79.5600% | 568 |
| Net loans and leases to deposits | 90.5260% | 859 |
| Net loans and leases to core deposits | 94.5047% | 1,063 |
| Total domestic deposits to total assets | 87.8800% | 2,464 |
| Equity capital to assets | 9.9138% | 1,664 |
| Core capital (leverage) ratio | 10.1400% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,397,845,000 | 752 |
| Average earning assets | $1,319,015,500 | 732 |
| Average equity | $137,200,500 | 726 |
| Average total loans | $1,027,837,750 | 665 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8404% | 3,913 |
| Cost of funding earning assets | 0.1065% | 4,122 |
| Net interest margin | 2.7339% | 3,632 |
| Noninterest income to average assets | 0.3926% | 2,804 |
| Noninterest expense to average assets | 2.1882% | 2,899 |
| Loan and lease loss provision to assets | -0.0043% | 4,375 |
| Net operating income to assets | 0.6177% | 3,580 |
| Return on assets (ROA) | 0.6132% | 3,537 |
| Pretax return on assets | 0.7881% | 3,358 |
| Return on Equity (ROE) | 6.2686% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.2686% | 2,250 |
| Net charge-offs to loans | -0.0101% | 3,600 |
| Credit loss provision to net charge-offs | 60.0000% | 1,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4854% | 1,571 |
| Assets per employee ($millions) | 8.5958% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,705 |
| Loan loss allowance to noncurrent loans | 555.9718% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,791 |
| Noncurrent loans to loans | 0.1755% | 2,816 |
| Net loans and leases to total assets | 74.1735% | 895 |
| Net loans and leases to deposits | 84.2186% | 1,103 |
| Net loans and leases to core deposits | 85.9130% | 1,344 |
| Total domestic deposits to total assets | 88.0726% | 2,547 |
| Equity capital to assets | 9.8516% | 1,798 |
| Core capital (leverage) ratio | 10.0355% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,390,169,000 | 748 |
| Average earning assets | $1,314,554,000 | 733 |
| Average equity | $135,980,000 | 743 |
| Average total loans | $990,171,333 | 676 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7184% | 3,906 |
| Cost of funding earning assets | 0.0940% | 4,213 |
| Net interest margin | 2.6244% | 3,602 |
| Noninterest income to average assets | 0.3175% | 3,199 |
| Noninterest expense to average assets | 2.1524% | 2,972 |
| Loan and lease loss provision to assets | -0.0087% | 4,417 |
| Net operating income to assets | 0.5442% | 3,582 |
| Return on assets (ROA) | 0.5385% | 3,563 |
| Pretax return on assets | 0.6508% | 3,514 |
| Return on Equity (ROE) | 5.5249% | 3,480 |
| Retained earnings to average equity (ytd only) | 5.5249% | 2,405 |
| Net charge-offs to loans | -0.0004% | 2,973 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8303% | 1,431 |
| Assets per employee ($millions) | 8.4756% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,595 |
| Loan loss allowance to noncurrent loans | 493.5593% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,731 |
| Noncurrent loans to loans | 0.2086% | 2,779 |
| Net loans and leases to total assets | 70.9309% | 931 |
| Net loans and leases to deposits | 80.3764% | 1,118 |
| Net loans and leases to core deposits | 82.0865% | 1,343 |
| Total domestic deposits to total assets | 88.2485% | 2,413 |
| Equity capital to assets | 9.8291% | 2,030 |
| Core capital (leverage) ratio | 9.8867% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,384,692,000 | 753 |
| Average earning assets | $1,310,647,500 | 741 |
| Average equity | $134,953,500 | 758 |
| Average total loans | $960,505,500 | 687 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8693% | 4,105 |
| Cost of funding earning assets | 0.1690% | 3,782 |
| Net interest margin | 2.7003% | 3,869 |
| Noninterest income to average assets | 0.3836% | 3,145 |
| Noninterest expense to average assets | 2.2149% | 3,030 |
| Loan and lease loss provision to assets | -0.0801% | 4,476 |
| Net operating income to assets | 0.5802% | 3,921 |
| Return on assets (ROA) | 0.5793% | 3,963 |
| Pretax return on assets | 0.7968% | 3,733 |
| Return on Equity (ROE) | 6.6166% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.6166% | 2,071 |
| Net charge-offs to loans | -0.0039% | 3,494 |
| Credit loss provision to net charge-offs | 2,858.3333% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5243% | 1,149 |
| Assets per employee ($millions) | 8.4625% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,364 |
| Loan loss allowance to noncurrent loans | 444.9717% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,752 |
| Noncurrent loans to loans | 0.2468% | 2,740 |
| Net loans and leases to total assets | 66.3374% | 1,432 |
| Net loans and leases to deposits | 74.8470% | 1,655 |
| Net loans and leases to core deposits | 76.5272% | 1,873 |
| Total domestic deposits to total assets | 88.6307% | 1,711 |
| Equity capital to assets | 9.6635% | 2,983 |
| Core capital (leverage) ratio | 9.8746% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,284,336,000 | 777 |
| Average earning assets | $1,212,436,200 | 762 |
| Average equity | $112,444,400 | 922 |
| Average total loans | $924,554,200 | 704 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9414% | 4,100 |
| Cost of funding earning assets | 0.1909% | 3,710 |
| Net interest margin | 2.7505% | 3,882 |
| Noninterest income to average assets | 0.3549% | 3,330 |
| Noninterest expense to average assets | 2.2537% | 2,878 |
| Loan and lease loss provision to assets | -0.1090% | 4,624 |
| Net operating income to assets | 0.5844% | 4,032 |
| Return on assets (ROA) | 0.5836% | 4,080 |
| Pretax return on assets | 0.8022% | 3,889 |
| Return on Equity (ROE) | 6.8617% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.8617% | 2,473 |
| Net charge-offs to loans | -0.0049% | 3,432 |
| Credit loss provision to net charge-offs | 3,026.4706% | 237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4492% | 1,009 |
| Assets per employee ($millions) | 8.3731% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,164 |
| Loan loss allowance to noncurrent loans | 287.0506% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 2,423 |
| Noncurrent loans to loans | 0.4041% | 2,348 |
| Net loans and leases to total assets | 65.3974% | 1,611 |
| Net loans and leases to deposits | 72.6363% | 1,997 |
| Net loans and leases to core deposits | 74.4467% | 2,190 |
| Total domestic deposits to total assets | 90.0340% | 761 |
| Equity capital to assets | 8.2432% | 4,390 |
| Core capital (leverage) ratio | 8.3810% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,258,455,750 | 800 |
| Average earning assets | $1,186,431,000 | 789 |
| Average equity | $107,026,500 | 970 |
| Average total loans | $922,970,500 | 721 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0129% | 4,019 |
| Cost of funding earning assets | 0.2278% | 3,484 |
| Net interest margin | 2.7851% | 3,815 |
| Noninterest income to average assets | 0.2838% | 3,727 |
| Noninterest expense to average assets | 2.2525% | 2,912 |
| Loan and lease loss provision to assets | -0.1621% | 4,722 |
| Net operating income to assets | 0.5928% | 3,998 |
| Return on assets (ROA) | 0.5918% | 4,056 |
| Pretax return on assets | 0.8150% | 3,834 |
| Return on Equity (ROE) | 6.8827% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.8827% | 2,473 |
| Net charge-offs to loans | -0.0066% | 3,518 |
| Credit loss provision to net charge-offs | 3,225.8065% | 199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4934% | 952 |
| Assets per employee ($millions) | 8.0619% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,361 |
| Loan loss allowance to noncurrent loans | 256.8313% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 2,376 |
| Noncurrent loans to loans | 0.4338% | 2,376 |
| Net loans and leases to total assets | 69.6268% | 1,243 |
| Net loans and leases to deposits | 77.2868% | 1,700 |
| Net loans and leases to core deposits | 79.5422% | 1,922 |
| Total domestic deposits to total assets | 90.0888% | 730 |
| Equity capital to assets | 8.2608% | 4,388 |
| Core capital (leverage) ratio | 8.6019% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,234,167,000 | 806 |
| Average earning assets | $1,162,333,000 | 797 |
| Average equity | $106,120,667 | 971 |
| Average total loans | $937,004,333 | 713 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 3,775 |
| Cost of funding earning assets | 0.2693% | 3,284 |
| Net interest margin | 2.8836% | 3,567 |
| Noninterest income to average assets | 0.1262% | 4,568 |
| Noninterest expense to average assets | 2.3034% | 2,775 |
| Loan and lease loss provision to assets | -0.3338% | 4,875 |
| Net operating income to assets | 0.6313% | 3,861 |
| Return on assets (ROA) | 0.6289% | 3,937 |
| Pretax return on assets | 0.8666% | 3,679 |
| Return on Equity (ROE) | 7.1610% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.1610% | 2,526 |
| Net charge-offs to loans | -0.0131% | 3,792 |
| Credit loss provision to net charge-offs | 3,225.8065% | 172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1287% | 748 |
| Assets per employee ($millions) | 7.6747% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,517 |
| Loan loss allowance to noncurrent loans | 200.2150% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 2,130 |
| Noncurrent loans to loans | 0.5401% | 2,237 |
| Net loans and leases to total assets | 76.7957% | 559 |
| Net loans and leases to deposits | 85.6112% | 984 |
| Net loans and leases to core deposits | 89.0141% | 1,286 |
| Total domestic deposits to total assets | 89.7029% | 965 |
| Equity capital to assets | 8.6985% | 3,965 |
| Core capital (leverage) ratio | 8.9524% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,198,240,500 | 825 |
| Average earning assets | $1,127,355,500 | 812 |
| Average equity | $105,237,000 | 969 |
| Average total loans | $945,714,000 | 708 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 3,703 |
| Cost of funding earning assets | 0.5284% | 2,760 |
| Net interest margin | 3.1188% | 3,585 |
| Noninterest income to average assets | 0.7013% | 1,863 |
| Noninterest expense to average assets | 2.4540% | 2,981 |
| Loan and lease loss provision to assets | 0.3396% | 1,034 |
| Net operating income to assets | 0.6103% | 3,716 |
| Return on assets (ROA) | 0.6111% | 3,832 |
| Pretax return on assets | 0.8393% | 3,532 |
| Return on Equity (ROE) | 6.4231% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.4231% | 1,621 |
| Net charge-offs to loans | -0.0234% | 4,466 |
| Credit loss provision to net charge-offs | -1,730.2885% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5690% | 2,284 |
| Assets per employee ($millions) | 7.3056% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,012 |
| Loan loss allowance to noncurrent loans | 255.8522% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 2,385 |
| Noncurrent loans to loans | 0.4643% | 2,573 |
| Net loans and leases to total assets | 79.3101% | 477 |
| Net loans and leases to deposits | 88.6801% | 1,023 |
| Net loans and leases to core deposits | 94.1120% | 1,245 |
| Total domestic deposits to total assets | 89.4339% | 794 |
| Equity capital to assets | 8.8699% | 4,174 |
| Core capital (leverage) ratio | 8.9354% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,059,914,600 | 836 |
| Average earning assets | $995,915,000 | 821 |
| Average equity | $100,839,800 | 955 |
| Average total loans | $890,008,400 | 723 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 3,520 |
| Cost of funding earning assets | 0.5914% | 2,671 |
| Net interest margin | 3.2229% | 3,418 |
| Noninterest income to average assets | 0.6908% | 1,828 |
| Noninterest expense to average assets | 2.4698% | 2,934 |
| Loan and lease loss provision to assets | 0.4527% | 710 |
| Net operating income to assets | 0.5819% | 3,824 |
| Return on assets (ROA) | 0.5832% | 3,920 |
| Pretax return on assets | 0.8002% | 3,645 |
| Return on Equity (ROE) | 6.0138% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.0138% | 2,103 |
| Net charge-offs to loans | -0.0187% | 4,395 |
| Credit loss provision to net charge-offs | -2,845.5285% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3735% | 2,421 |
| Assets per employee ($millions) | 7.0859% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,739 |
| Loan loss allowance to noncurrent loans | 203.3555% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,260 |
| Noncurrent loans to loans | 0.5837% | 2,338 |
| Net loans and leases to total assets | 81.4987% | 482 |
| Net loans and leases to deposits | 93.0909% | 998 |
| Net loans and leases to core deposits | 99.4629% | 1,202 |
| Total domestic deposits to total assets | 87.5475% | 1,419 |
| Equity capital to assets | 9.0867% | 4,043 |
| Core capital (leverage) ratio | 9.4067% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,030,843,000 | 842 |
| Average earning assets | $969,209,500 | 825 |
| Average equity | $99,967,750 | 955 |
| Average total loans | $876,495,500 | 725 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,566 |
| Cost of funding earning assets | 0.6623% | 2,615 |
| Net interest margin | 3.2564% | 3,504 |
| Noninterest income to average assets | 0.6135% | 2,083 |
| Noninterest expense to average assets | 2.5826% | 2,725 |
| Loan and lease loss provision to assets | 0.3304% | 1,291 |
| Net operating income to assets | 0.5566% | 3,866 |
| Return on assets (ROA) | 0.5586% | 3,940 |
| Pretax return on assets | 0.7658% | 3,685 |
| Return on Equity (ROE) | 5.6270% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.6270% | 2,224 |
| Net charge-offs to loans | -0.0200% | 4,403 |
| Credit loss provision to net charge-offs | -1,918.6047% | 3,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2522% | 1,923 |
| Assets per employee ($millions) | 6.7730% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,559 |
| Loan loss allowance to noncurrent loans | 159.6752% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 2,230 |
| Noncurrent loans to loans | 0.6287% | 2,289 |
| Net loans and leases to total assets | 83.2032% | 316 |
| Net loans and leases to deposits | 95.5624% | 830 |
| Net loans and leases to core deposits | 103.5605% | 1,031 |
| Total domestic deposits to total assets | 87.0668% | 1,590 |
| Equity capital to assets | 9.2911% | 3,838 |
| Core capital (leverage) ratio | 9.6414% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $998,903,667 | 853 |
| Average earning assets | $939,491,667 | 839 |
| Average equity | $99,165,000 | 952 |
| Average total loans | $858,912,667 | 726 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,545 |
| Cost of funding earning assets | 0.7713% | 2,538 |
| Net interest margin | 3.3197% | 3,544 |
| Noninterest income to average assets | 0.5223% | 2,431 |
| Noninterest expense to average assets | 2.6814% | 2,754 |
| Loan and lease loss provision to assets | 0.2091% | 1,465 |
| Net operating income to assets | 0.5494% | 3,741 |
| Return on assets (ROA) | 0.5520% | 3,794 |
| Pretax return on assets | 0.7561% | 3,532 |
| Return on Equity (ROE) | 5.3656% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.3656% | 2,134 |
| Net charge-offs to loans | -0.0423% | 4,580 |
| Credit loss provision to net charge-offs | -568.1818% | 3,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5996% | 1,873 |
| Assets per employee ($millions) | 6.0730% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,916 |
| Loan loss allowance to noncurrent loans | 134.5733% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,144 |
| Noncurrent loans to loans | 0.7084% | 2,232 |
| Net loans and leases to total assets | 86.5675% | 116 |
| Net loans and leases to deposits | 101.0330% | 492 |
| Net loans and leases to core deposits | 112.5096% | 730 |
| Total domestic deposits to total assets | 85.6824% | 2,135 |
| Equity capital to assets | 10.3387% | 3,479 |
| Core capital (leverage) ratio | 10.4175% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $956,512,500 | 860 |
| Average earning assets | $899,244,500 | 844 |
| Average equity | $98,404,500 | 955 |
| Average total loans | $832,967,000 | 720 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,863 |
| Cost of funding earning assets | 0.8185% | 2,593 |
| Net interest margin | 3.3580% | 3,859 |
| Noninterest income to average assets | 0.4750% | 2,878 |
| Noninterest expense to average assets | 2.7334% | 2,791 |
| Loan and lease loss provision to assets | 0.0083% | 3,843 |
| Net operating income to assets | 0.6293% | 4,071 |
| Return on assets (ROA) | 0.6952% | 3,945 |
| Pretax return on assets | 0.9683% | 3,545 |
| Return on Equity (ROE) | 6.9877% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.9877% | 1,395 |
| Net charge-offs to loans | 0.0320% | 2,753 |
| Credit loss provision to net charge-offs | 30.1527% | 3,270 |
| Earnings coverage of net charge-offs (x) | 32.2824% | 1,507 |
| Efficiency ratio | 75.3705% | 1,436 |
| Assets per employee ($millions) | 5.9968% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,981 |
| Loan loss allowance to noncurrent loans | 175.1892% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 2,612 |
| Noncurrent loans to loans | 0.5111% | 2,658 |
| Net loans and leases to total assets | 85.9879% | 166 |
| Net loans and leases to deposits | 98.3132% | 732 |
| Net loans and leases to core deposits | 109.5517% | 880 |
| Total domestic deposits to total assets | 87.4632% | 1,381 |
| Equity capital to assets | 10.2367% | 3,690 |
| Core capital (leverage) ratio | 10.2499% | 3,247 |
| Tier 1 risk-based capital ratio | 15.0542% | 2,762 |
| Total risk-based capital ratio | 16.2148% | 2,730 |
| Memoranda: | ||
| Average total assets | $946,931,800 | 827 |
| Average earning assets | $888,701,000 | 811 |
| Average equity | $94,207,800 | 939 |
| Average total loans | $818,313,200 | 700 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 3,910 |
| Cost of funding earning assets | 0.8223% | 2,605 |
| Net interest margin | 3.3807% | 3,910 |
| Noninterest income to average assets | 0.4884% | 2,805 |
| Noninterest expense to average assets | 2.8013% | 2,556 |
| Loan and lease loss provision to assets | 0.0018% | 3,817 |
| Net operating income to assets | 0.6041% | 4,286 |
| Return on assets (ROA) | 0.6924% | 4,093 |
| Pretax return on assets | 0.9676% | 3,692 |
| Return on Equity (ROE) | 7.0108% | 3,676 |
| Retained earnings to average equity (ytd only) | 7.0108% | 1,859 |
| Net charge-offs to loans | 0.0441% | 2,207 |
| Credit loss provision to net charge-offs | 4.8148% | 3,019 |
| Earnings coverage of net charge-offs (x) | 22.5223% | 1,864 |
| Efficiency ratio | 76.5592% | 1,263 |
| Assets per employee ($millions) | 6.0298% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,041 |
| Loan loss allowance to noncurrent loans | 131.3687% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,247 |
| Noncurrent loans to loans | 0.6855% | 2,246 |
| Net loans and leases to total assets | 84.1657% | 336 |
| Net loans and leases to deposits | 96.1211% | 1,004 |
| Net loans and leases to core deposits | 105.9268% | 1,190 |
| Total domestic deposits to total assets | 87.5622% | 1,232 |
| Equity capital to assets | 10.0044% | 4,016 |
| Core capital (leverage) ratio | 10.1229% | 3,502 |
| Tier 1 risk-based capital ratio | 14.9197% | 2,892 |
| Total risk-based capital ratio | 16.0784% | 2,863 |
| Memoranda: | ||
| Average total assets | $945,292,000 | 830 |
| Average earning assets | $886,546,500 | 814 |
| Average equity | $93,358,250 | 948 |
| Average total loans | $816,068,000 | 702 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,860 |
| Cost of funding earning assets | 0.8201% | 2,551 |
| Net interest margin | 3.4041% | 3,883 |
| Noninterest income to average assets | 0.4766% | 2,803 |
| Noninterest expense to average assets | 2.8220% | 2,512 |
| Loan and lease loss provision to assets | 0.0028% | 3,650 |
| Net operating income to assets | 0.5690% | 4,389 |
| Return on assets (ROA) | 0.7013% | 4,057 |
| Pretax return on assets | 1.0110% | 3,506 |
| Return on Equity (ROE) | 7.1325% | 3,623 |
| Retained earnings to average equity (ytd only) | 7.1325% | 1,746 |
| Net charge-offs to loans | 0.0228% | 2,393 |
| Credit loss provision to net charge-offs | 13.9785% | 2,682 |
| Earnings coverage of net charge-offs (x) | 42.8065% | 1,198 |
| Efficiency ratio | 76.9298% | 1,277 |
| Assets per employee ($millions) | 5.8510% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 4,025 |
| Loan loss allowance to noncurrent loans | 109.2364% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 1,903 |
| Noncurrent loans to loans | 0.8390% | 1,918 |
| Net loans and leases to total assets | 85.1346% | 274 |
| Net loans and leases to deposits | 97.4849% | 890 |
| Net loans and leases to core deposits | 107.1253% | 1,165 |
| Total domestic deposits to total assets | 87.3310% | 1,417 |
| Equity capital to assets | 9.8876% | 4,067 |
| Core capital (leverage) ratio | 10.0284% | 3,557 |
| Tier 1 risk-based capital ratio | 14.4483% | 3,092 |
| Total risk-based capital ratio | 15.6180% | 3,048 |
| Memoranda: | ||
| Average total assets | $940,811,000 | 824 |
| Average earning assets | $882,119,000 | 815 |
| Average equity | $92,505,670 | 954 |
| Average total loans | $816,671,000 | 703 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 3,728 |
| Cost of funding earning assets | 0.8000% | 2,538 |
| Net interest margin | 3.4445% | 3,765 |
| Noninterest income to average assets | 0.4457% | 2,869 |
| Noninterest expense to average assets | 3.0442% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3977% | 4,736 |
| Return on assets (ROA) | 0.6636% | 4,084 |
| Pretax return on assets | 0.9654% | 3,566 |
| Return on Equity (ROE) | 6.7679% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.7679% | 2,125 |
| Net charge-offs to loans | 0.0446% | 1,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.1429% | 1,710 |
| Efficiency ratio | 82.8788% | 802 |
| Assets per employee ($millions) | 5.8570% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,081 |
| Loan loss allowance to noncurrent loans | 95.9074% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 1,694 |
| Noncurrent loans to loans | 0.9584% | 1,741 |
| Net loans and leases to total assets | 86.2590% | 171 |
| Net loans and leases to deposits | 100.2078% | 618 |
| Net loans and leases to core deposits | 108.6361% | 1,010 |
| Total domestic deposits to total assets | 86.0802% | 2,241 |
| Equity capital to assets | 9.8431% | 3,976 |
| Core capital (leverage) ratio | 9.8946% | 3,720 |
| Tier 1 risk-based capital ratio | 14.3193% | 3,183 |
| Total risk-based capital ratio | 15.4989% | 3,150 |
| Memoranda: | ||
| Average total assets | $934,362,000 | 835 |
| Average earning assets | $875,472,000 | 826 |
| Average equity | $91,609,000 | 952 |
| Average total loans | $815,283,500 | 708 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 3,901 |
| Cost of funding earning assets | 0.6323% | 2,508 |
| Net interest margin | 3.4143% | 3,962 |
| Noninterest income to average assets | 0.4680% | 3,004 |
| Noninterest expense to average assets | 2.8296% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6311% | 4,333 |
| Return on assets (ROA) | 0.7336% | 4,035 |
| Pretax return on assets | 0.9637% | 3,719 |
| Return on Equity (ROE) | 7.7825% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.7825% | 1,333 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2345% | 1,208 |
| Assets per employee ($millions) | 5.7507% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 4,039 |
| Loan loss allowance to noncurrent loans | 90.7244% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,537 |
| Noncurrent loans to loans | 1.0269% | 1,597 |
| Net loans and leases to total assets | 86.6385% | 199 |
| Net loans and leases to deposits | 101.7254% | 614 |
| Net loans and leases to core deposits | 108.0598% | 1,114 |
| Total domestic deposits to total assets | 85.1690% | 2,579 |
| Equity capital to assets | 9.7656% | 3,889 |
| Core capital (leverage) ratio | 9.8329% | 3,766 |
| Tier 1 risk-based capital ratio | 14.0896% | 3,249 |
| Total risk-based capital ratio | 15.3293% | 3,186 |
| Memoranda: | ||
| Average total assets | $928,976,000 | 821 |
| Average earning assets | $869,467,000 | 811 |
| Average equity | $87,568,200 | 956 |
| Average total loans | $817,639,600 | 686 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,897 |
| Cost of funding earning assets | 0.6136% | 2,383 |
| Net interest margin | 3.3958% | 4,018 |
| Noninterest income to average assets | 0.4165% | 3,381 |
| Noninterest expense to average assets | 2.8590% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5546% | 4,636 |
| Return on assets (ROA) | 0.6910% | 4,260 |
| Pretax return on assets | 0.9086% | 3,992 |
| Return on Equity (ROE) | 7.3971% | 3,789 |
| Retained earnings to average equity (ytd only) | 7.3971% | 1,930 |
| Net charge-offs to loans | -0.0358% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5286% | 989 |
| Assets per employee ($millions) | 5.6075% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,034 |
| Loan loss allowance to noncurrent loans | 89.4411% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 1,542 |
| Noncurrent loans to loans | 1.0671% | 1,599 |
| Net loans and leases to total assets | 87.6005% | 161 |
| Net loans and leases to deposits | 100.9576% | 705 |
| Net loans and leases to core deposits | 107.2525% | 1,211 |
| Total domestic deposits to total assets | 86.7696% | 1,837 |
| Equity capital to assets | 9.5988% | 3,997 |
| Core capital (leverage) ratio | 9.5368% | 4,130 |
| Tier 1 risk-based capital ratio | 13.7143% | 3,504 |
| Total risk-based capital ratio | 14.9930% | 3,410 |
| Memoranda: | ||
| Average total assets | $928,318,000 | 819 |
| Average earning assets | $868,901,750 | 812 |
| Average equity | $86,716,000 | 963 |
| Average total loans | $818,369,250 | 681 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,926 |
| Cost of funding earning assets | 0.5926% | 2,275 |
| Net interest margin | 3.3577% | 4,082 |
| Noninterest income to average assets | 0.4218% | 3,341 |
| Noninterest expense to average assets | 2.9664% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4512% | 4,857 |
| Return on assets (ROA) | 0.6555% | 4,339 |
| Pretax return on assets | 0.8563% | 4,089 |
| Return on Equity (ROE) | 7.0823% | 3,879 |
| Retained earnings to average equity (ytd only) | 7.0823% | 2,038 |
| Net charge-offs to loans | -0.0660% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2317% | 742 |
| Assets per employee ($millions) | 5.4765% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,158 |
| Loan loss allowance to noncurrent loans | 80.0652% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 1,430 |
| Noncurrent loans to loans | 1.1741% | 1,482 |
| Net loans and leases to total assets | 87.9346% | 142 |
| Net loans and leases to deposits | 102.2446% | 642 |
| Net loans and leases to core deposits | 108.5878% | 1,081 |
| Total domestic deposits to total assets | 86.0041% | 2,273 |
| Equity capital to assets | 9.2441% | 4,338 |
| Core capital (leverage) ratio | 9.4366% | 4,192 |
| Tier 1 risk-based capital ratio | 13.1501% | 3,823 |
| Total risk-based capital ratio | 14.4025% | 3,732 |
| Memoranda: | ||
| Average total assets | $929,344,000 | 817 |
| Average earning assets | $869,710,330 | 815 |
| Average equity | $86,017,330 | 970 |
| Average total loans | $818,384,000 | 673 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 3,827 |
| Cost of funding earning assets | 0.5763% | 2,196 |
| Net interest margin | 3.3602% | 4,021 |
| Noninterest income to average assets | 0.4251% | 3,278 |
| Noninterest expense to average assets | 3.3910% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1395% | 5,298 |
| Return on assets (ROA) | 0.5551% | 4,560 |
| Pretax return on assets | 0.6968% | 4,451 |
| Return on Equity (ROE) | 5.9938% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.9938% | 2,707 |
| Net charge-offs to loans | -0.1329% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0328% | 271 |
| Assets per employee ($millions) | 5.3767% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,144 |
| Loan loss allowance to noncurrent loans | 72.1406% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 1,292 |
| Noncurrent loans to loans | 1.3364% | 1,331 |
| Net loans and leases to total assets | 87.2998% | 177 |
| Net loans and leases to deposits | 102.1281% | 571 |
| Net loans and leases to core deposits | 107.8629% | 1,133 |
| Total domestic deposits to total assets | 85.4807% | 2,760 |
| Equity capital to assets | 9.2411% | 4,327 |
| Core capital (leverage) ratio | 9.3019% | 4,326 |
| Tier 1 risk-based capital ratio | 13.1668% | 3,870 |
| Total risk-based capital ratio | 14.4463% | 3,744 |
| Memoranda: | ||
| Average total assets | $923,041,000 | 833 |
| Average earning assets | $863,392,500 | 826 |
| Average equity | $85,488,500 | 978 |
| Average total loans | $809,496,000 | 680 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,305 |
| Cost of funding earning assets | 0.5503% | 1,950 |
| Net interest margin | 3.1627% | 4,543 |
| Noninterest income to average assets | 0.4165% | 3,526 |
| Noninterest expense to average assets | 2.5016% | 3,778 |
| Loan and lease loss provision to assets | 0.0432% | 3,378 |
| Net operating income to assets | 0.4527% | 4,526 |
| Return on assets (ROA) | 0.4714% | 4,487 |
| Pretax return on assets | 0.8556% | 4,068 |
| Return on Equity (ROE) | 5.1163% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.1163% | 2,056 |
| Net charge-offs to loans | -0.0064% | 4,690 |
| Credit loss provision to net charge-offs | -782.0000% | 5,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2047% | 1,868 |
| Assets per employee ($millions) | 5.4194% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,248 |
| Loan loss allowance to noncurrent loans | 84.3427% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 1,577 |
| Noncurrent loans to loans | 1.1196% | 1,578 |
| Net loans and leases to total assets | 86.4224% | 230 |
| Net loans and leases to deposits | 100.0960% | 722 |
| Net loans and leases to core deposits | 105.3858% | 1,313 |
| Total domestic deposits to total assets | 86.3395% | 2,299 |
| Equity capital to assets | 9.2822% | 4,449 |
| Core capital (leverage) ratio | 9.1602% | 4,449 |
| Tier 1 risk-based capital ratio | 13.2092% | 3,785 |
| Total risk-based capital ratio | 14.5666% | 3,645 |
| Memoranda: | ||
| Average total assets | $904,417,000 | 826 |
| Average earning assets | $844,954,800 | 814 |
| Average equity | $83,322,400 | 974 |
| Average total loans | $785,303,600 | 669 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 4,389 |
| Cost of funding earning assets | 0.5453% | 1,930 |
| Net interest margin | 3.1268% | 4,631 |
| Noninterest income to average assets | 0.3943% | 3,727 |
| Noninterest expense to average assets | 2.5132% | 3,690 |
| Loan and lease loss provision to assets | 0.0579% | 2,928 |
| Net operating income to assets | 0.4640% | 4,839 |
| Return on assets (ROA) | 0.4673% | 4,865 |
| Pretax return on assets | 0.7472% | 4,494 |
| Return on Equity (ROE) | 5.0820% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.0820% | 2,827 |
| Net charge-offs to loans | 0.0044% | 3,573 |
| Credit loss provision to net charge-offs | 1,503.8462% | 248 |
| Earnings coverage of net charge-offs (x) | 207.7055% | 415 |
| Efficiency ratio | 75.8550% | 1,612 |
| Assets per employee ($millions) | 5.5817% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 4,438 |
| Loan loss allowance to noncurrent loans | 68.4148% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 1,393 |
| Noncurrent loans to loans | 1.3558% | 1,386 |
| Net loans and leases to total assets | 86.0977% | 256 |
| Net loans and leases to deposits | 101.1470% | 668 |
| Net loans and leases to core deposits | 105.8236% | 1,286 |
| Total domestic deposits to total assets | 85.1214% | 2,669 |
| Equity capital to assets | 9.0804% | 4,837 |
| Core capital (leverage) ratio | 9.0771% | 4,655 |
| Tier 1 risk-based capital ratio | 12.9228% | 4,064 |
| Total risk-based capital ratio | 14.2510% | 3,915 |
| Memoranda: | ||
| Average total assets | $900,198,750 | 834 |
| Average earning assets | $840,322,750 | 823 |
| Average equity | $82,774,000 | 984 |
| Average total loans | $780,681,750 | 671 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,372 |
| Cost of funding earning assets | 0.5386% | 1,852 |
| Net interest margin | 3.1081% | 4,656 |
| Noninterest income to average assets | 0.3757% | 3,869 |
| Noninterest expense to average assets | 2.5417% | 3,611 |
| Loan and lease loss provision to assets | 0.0317% | 3,364 |
| Net operating income to assets | 0.4380% | 4,873 |
| Return on assets (ROA) | 0.4364% | 4,902 |
| Pretax return on assets | 0.7019% | 4,542 |
| Return on Equity (ROE) | 4.7254% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.7254% | 2,899 |
| Net charge-offs to loans | -0.0182% | 4,746 |
| Credit loss provision to net charge-offs | -201.4286% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5430% | 1,525 |
| Assets per employee ($millions) | 5.2543% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,511 |
| Loan loss allowance to noncurrent loans | 87.0285% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 1,870 |
| Noncurrent loans to loans | 1.0690% | 1,836 |
| Net loans and leases to total assets | 86.7251% | 227 |
| Net loans and leases to deposits | 102.6445% | 568 |
| Net loans and leases to core deposits | 107.8108% | 1,114 |
| Total domestic deposits to total assets | 84.4908% | 3,014 |
| Equity capital to assets | 9.2222% | 4,704 |
| Core capital (leverage) ratio | 9.1874% | 4,509 |
| Tier 1 risk-based capital ratio | 13.1026% | 3,941 |
| Total risk-based capital ratio | 14.4333% | 3,793 |
| Memoranda: | ||
| Average total assets | $889,553,000 | 853 |
| Average earning assets | $830,596,330 | 842 |
| Average equity | $82,151,330 | 994 |
| Average total loans | $770,888,330 | 686 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 4,404 |
| Cost of funding earning assets | 0.5275% | 1,877 |
| Net interest margin | 3.0786% | 4,714 |
| Noninterest income to average assets | 0.2838% | 4,516 |
| Noninterest expense to average assets | 2.4323% | 4,023 |
| Loan and lease loss provision to assets | 0.0412% | 2,980 |
| Net operating income to assets | 0.4219% | 4,887 |
| Return on assets (ROA) | 0.4170% | 4,926 |
| Pretax return on assets | 0.6781% | 4,512 |
| Return on Equity (ROE) | 4.5123% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.5123% | 3,165 |
| Net charge-offs to loans | 0.0505% | 1,849 |
| Credit loss provision to net charge-offs | 94.7917% | 1,653 |
| Earnings coverage of net charge-offs (x) | 16.7083% | 1,630 |
| Efficiency ratio | 76.9871% | 1,758 |
| Assets per employee ($millions) | 5.1666% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 4,639 |
| Loan loss allowance to noncurrent loans | 94.7229% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 2,047 |
| Noncurrent loans to loans | 0.9826% | 2,081 |
| Net loans and leases to total assets | 86.5774% | 183 |
| Net loans and leases to deposits | 103.2582% | 434 |
| Net loans and leases to core deposits | 107.1576% | 1,029 |
| Total domestic deposits to total assets | 83.8455% | 3,535 |
| Equity capital to assets | 9.3497% | 4,443 |
| Core capital (leverage) ratio | 9.2911% | 4,359 |
| Tier 1 risk-based capital ratio | 13.3807% | 3,844 |
| Total risk-based capital ratio | 14.7160% | 3,712 |
| Memoranda: | ||
| Average total assets | $882,457,000 | 863 |
| Average earning assets | $824,272,000 | 847 |
| Average equity | $81,554,500 | 997 |
| Average total loans | $760,765,500 | 696 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 4,480 |
| Cost of funding earning assets | 0.5461% | 1,727 |
| Net interest margin | 3.0645% | 4,812 |
| Noninterest income to average assets | 0.3861% | 3,990 |
| Noninterest expense to average assets | 2.5486% | 3,845 |
| Loan and lease loss provision to assets | 0.0262% | 3,827 |
| Net operating income to assets | 0.4357% | 4,836 |
| Return on assets (ROA) | 0.4409% | 4,907 |
| Pretax return on assets | 0.6798% | 4,557 |
| Return on Equity (ROE) | 4.7572% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.7572% | 2,502 |
| Net charge-offs to loans | 0.0286% | 3,448 |
| Credit loss provision to net charge-offs | 106.6667% | 2,443 |
| Earnings coverage of net charge-offs (x) | 28.4476% | 1,469 |
| Efficiency ratio | 78.5015% | 1,626 |
| Assets per employee ($millions) | 5.1248% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 4,590 |
| Loan loss allowance to noncurrent loans | 85.1173% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 1,992 |
| Noncurrent loans to loans | 1.1140% | 1,856 |
| Net loans and leases to total assets | 84.2338% | 366 |
| Net loans and leases to deposits | 101.1097% | 592 |
| Net loans and leases to core deposits | 104.7100% | 1,231 |
| Total domestic deposits to total assets | 83.3093% | 3,661 |
| Equity capital to assets | 9.1348% | 4,665 |
| Core capital (leverage) ratio | 9.1111% | 4,601 |
| Tier 1 risk-based capital ratio | 13.3994% | 3,834 |
| Total risk-based capital ratio | 14.7461% | 3,672 |
| Memoranda: | ||
| Average total assets | $855,934,200 | 850 |
| Average earning assets | $798,919,000 | 842 |
| Average equity | $79,332,400 | 999 |
| Average total loans | $734,345,000 | 682 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,473 |
| Cost of funding earning assets | 0.5464% | 1,736 |
| Net interest margin | 3.0823% | 4,821 |
| Noninterest income to average assets | 0.4079% | 3,864 |
| Noninterest expense to average assets | 2.5669% | 3,775 |
| Loan and lease loss provision to assets | 0.0250% | 3,747 |
| Net operating income to assets | 0.4462% | 4,885 |
| Return on assets (ROA) | 0.4531% | 4,949 |
| Pretax return on assets | 0.7042% | 4,597 |
| Return on Equity (ROE) | 4.8707% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.8707% | 2,911 |
| Net charge-offs to loans | 0.0265% | 3,139 |
| Credit loss provision to net charge-offs | 109.6552% | 2,227 |
| Earnings coverage of net charge-offs (x) | 31.5170% | 1,438 |
| Efficiency ratio | 78.1350% | 1,676 |
| Assets per employee ($millions) | 5.1808% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 4,570 |
| Loan loss allowance to noncurrent loans | 90.9773% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 2,300 |
| Noncurrent loans to loans | 1.0651% | 2,118 |
| Net loans and leases to total assets | 83.4449% | 462 |
| Net loans and leases to deposits | 100.4576% | 680 |
| Net loans and leases to core deposits | 104.2143% | 1,327 |
| Total domestic deposits to total assets | 83.0648% | 3,561 |
| Equity capital to assets | 9.1960% | 4,978 |
| Core capital (leverage) ratio | 9.2258% | 4,552 |
| Tier 1 risk-based capital ratio | 13.3777% | 3,933 |
| Total risk-based capital ratio | 14.7173% | 3,790 |
| Memoranda: | ||
| Average total assets | $848,271,500 | 855 |
| Average earning assets | $791,853,000 | 842 |
| Average equity | $78,918,500 | 1,007 |
| Average total loans | $729,443,000 | 685 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 4,423 |
| Cost of funding earning assets | 0.5512% | 1,688 |
| Net interest margin | 3.1059% | 4,816 |
| Noninterest income to average assets | 0.3658% | 4,141 |
| Noninterest expense to average assets | 2.5699% | 3,820 |
| Loan and lease loss provision to assets | 0.0362% | 3,431 |
| Net operating income to assets | 0.4264% | 4,952 |
| Return on assets (ROA) | 0.4323% | 5,019 |
| Pretax return on assets | 0.6668% | 4,725 |
| Return on Equity (ROE) | 4.6284% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.6284% | 2,959 |
| Net charge-offs to loans | -0.0003% | 4,296 |
| Credit loss provision to net charge-offs | -15,200.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7368% | 1,687 |
| Assets per employee ($millions) | 5.0140% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 4,516 |
| Loan loss allowance to noncurrent loans | 127.8821% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 2,962 |
| Noncurrent loans to loans | 0.7828% | 2,793 |
| Net loans and leases to total assets | 85.0520% | 325 |
| Net loans and leases to deposits | 103.8009% | 470 |
| Net loans and leases to core deposits | 107.7766% | 1,048 |
| Total domestic deposits to total assets | 81.9377% | 4,014 |
| Equity capital to assets | 9.3751% | 4,889 |
| Core capital (leverage) ratio | 9.3419% | 4,402 |
| Tier 1 risk-based capital ratio | 13.2503% | 4,042 |
| Total risk-based capital ratio | 14.6079% | 3,898 |
| Memoranda: | ||
| Average total assets | $839,177,670 | 865 |
| Average earning assets | $783,019,330 | 851 |
| Average equity | $78,386,000 | 1,013 |
| Average total loans | $726,673,000 | 690 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 4,377 |
| Cost of funding earning assets | 0.5578% | 1,639 |
| Net interest margin | 3.1277% | 4,788 |
| Noninterest income to average assets | 0.3549% | 4,188 |
| Noninterest expense to average assets | 2.5310% | 3,980 |
| Loan and lease loss provision to assets | 0.0728% | 2,502 |
| Net operating income to assets | 0.4300% | 4,902 |
| Return on assets (ROA) | 0.4416% | 4,940 |
| Pretax return on assets | 0.6888% | 4,560 |
| Return on Equity (ROE) | 4.7368% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.7368% | 3,097 |
| Net charge-offs to loans | 0.0127% | 2,702 |
| Credit loss provision to net charge-offs | 660.8696% | 497 |
| Earnings coverage of net charge-offs (x) | 67.4783% | 722 |
| Efficiency ratio | 77.2967% | 1,993 |
| Assets per employee ($millions) | 4.8999% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,597 |
| Loan loss allowance to noncurrent loans | 105.2144% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 2,587 |
| Noncurrent loans to loans | 0.9531% | 2,472 |
| Net loans and leases to total assets | 86.5979% | 185 |
| Net loans and leases to deposits | 107.6655% | 294 |
| Net loans and leases to core deposits | 111.9406% | 753 |
| Total domestic deposits to total assets | 80.4324% | 4,655 |
| Equity capital to assets | 9.4629% | 4,702 |
| Core capital (leverage) ratio | 9.3059% | 4,484 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,282 |
| Total risk-based capital ratio | 14.3110% | 4,142 |
| Memoranda: | ||
| Average total assets | $835,086,500 | 872 |
| Average earning assets | $779,493,000 | 858 |
| Average equity | $77,858,500 | 1,025 |
| Average total loans | $726,017,000 | 687 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,466 |
| Cost of funding earning assets | 0.5815% | 1,484 |
| Net interest margin | 3.0858% | 4,938 |
| Noninterest income to average assets | 0.4680% | 3,541 |
| Noninterest expense to average assets | 2.5305% | 4,128 |
| Loan and lease loss provision to assets | 0.1374% | 1,722 |
| Net operating income to assets | 0.4381% | 4,925 |
| Return on assets (ROA) | 0.4448% | 4,982 |
| Pretax return on assets | 0.6852% | 4,569 |
| Return on Equity (ROE) | 4.7990% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.7990% | 2,575 |
| Net charge-offs to loans | 0.1029% | 2,384 |
| Credit loss provision to net charge-offs | 154.1838% | 1,732 |
| Earnings coverage of net charge-offs (x) | 9.1125% | 2,860 |
| Efficiency ratio | 75.6987% | 2,322 |
| Assets per employee ($millions) | 5.0728% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,715 |
| Loan loss allowance to noncurrent loans | 116.3189% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 2,163 |
| Noncurrent loans to loans | 0.8430% | 2,679 |
| Net loans and leases to total assets | 85.5648% | 266 |
| Net loans and leases to deposits | 108.0151% | 298 |
| Net loans and leases to core deposits | 112.3044% | 753 |
| Total domestic deposits to total assets | 79.2155% | 4,924 |
| Equity capital to assets | 9.1862% | 4,929 |
| Core capital (leverage) ratio | 9.2066% | 4,607 |
| Tier 1 risk-based capital ratio | 12.7894% | 4,461 |
| Total risk-based capital ratio | 14.1004% | 4,314 |
| Memoranda: | ||
| Average total assets | $817,753,800 | 850 |
| Average earning assets | $761,833,800 | 833 |
| Average equity | $75,787,000 | 1,009 |
| Average total loans | $708,113,200 | 654 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,505 |
| Cost of funding earning assets | 0.5857% | 1,497 |
| Net interest margin | 3.0893% | 4,990 |
| Noninterest income to average assets | 0.4757% | 3,531 |
| Noninterest expense to average assets | 2.5253% | 4,115 |
| Loan and lease loss provision to assets | 0.1087% | 2,069 |
| Net operating income to assets | 0.4644% | 4,917 |
| Return on assets (ROA) | 0.4734% | 4,983 |
| Pretax return on assets | 0.7313% | 4,565 |
| Return on Equity (ROE) | 5.0966% | 4,584 |
| Retained earnings to average equity (ytd only) | 5.0966% | 2,846 |
| Net charge-offs to loans | 0.1043% | 2,091 |
| Credit loss provision to net charge-offs | 120.3636% | 1,978 |
| Earnings coverage of net charge-offs (x) | 9.1454% | 2,731 |
| Efficiency ratio | 75.3468% | 2,343 |
| Assets per employee ($millions) | 5.0613% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,902 |
| Loan loss allowance to noncurrent loans | 97.4541% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 2,302 |
| Noncurrent loans to loans | 0.9937% | 2,504 |
| Net loans and leases to total assets | 85.4603% | 259 |
| Net loans and leases to deposits | 109.4603% | 260 |
| Net loans and leases to core deposits | 114.0658% | 665 |
| Total domestic deposits to total assets | 78.0742% | 5,170 |
| Equity capital to assets | 9.3446% | 4,944 |
| Core capital (leverage) ratio | 9.1564% | 4,797 |
| Tier 1 risk-based capital ratio | 13.0953% | 4,379 |
| Total risk-based capital ratio | 14.3838% | 4,277 |
| Memoranda: | ||
| Average total assets | $811,670,750 | 870 |
| Average earning assets | $755,572,000 | 846 |
| Average equity | $75,394,750 | 1,017 |
| Average total loans | $703,219,250 | 663 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,571 |
| Cost of funding earning assets | 0.5811% | 1,551 |
| Net interest margin | 3.0706% | 5,041 |
| Noninterest income to average assets | 0.4730% | 3,540 |
| Noninterest expense to average assets | 2.4875% | 4,280 |
| Loan and lease loss provision to assets | 0.1538% | 1,382 |
| Net operating income to assets | 0.4457% | 4,981 |
| Return on assets (ROA) | 0.4564% | 5,050 |
| Pretax return on assets | 0.7081% | 4,630 |
| Return on Equity (ROE) | 4.9236% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.9236% | 2,902 |
| Net charge-offs to loans | -0.0003% | 4,541 |
| Credit loss provision to net charge-offs | -62,200.0000% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6420% | 2,586 |
| Assets per employee ($millions) | 5.2433% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,795 |
| Loan loss allowance to noncurrent loans | 93.8081% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 2,291 |
| Noncurrent loans to loans | 1.0816% | 2,488 |
| Net loans and leases to total assets | 86.1645% | 233 |
| Net loans and leases to deposits | 116.1015% | 146 |
| Net loans and leases to core deposits | 120.9035% | 444 |
| Total domestic deposits to total assets | 74.2148% | 5,766 |
| Equity capital to assets | 9.0882% | 5,157 |
| Core capital (leverage) ratio | 9.1476% | 4,755 |
| Tier 1 risk-based capital ratio | 12.6840% | 4,691 |
| Total risk-based capital ratio | 14.0380% | 4,544 |
| Memoranda: | ||
| Average total assets | $808,916,000 | 877 |
| Average earning assets | $753,335,670 | 851 |
| Average equity | $74,986,330 | 1,026 |
| Average total loans | $701,768,670 | 664 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 4,462 |
| Cost of funding earning assets | 0.5848% | 1,543 |
| Net interest margin | 3.0879% | 4,987 |
| Noninterest income to average assets | 0.4364% | 3,719 |
| Noninterest expense to average assets | 2.5410% | 4,135 |
| Loan and lease loss provision to assets | 0.1085% | 1,894 |
| Net operating income to assets | 0.4359% | 4,927 |
| Return on assets (ROA) | 0.4359% | 5,047 |
| Pretax return on assets | 0.6639% | 4,716 |
| Return on Equity (ROE) | 4.6544% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.6544% | 3,232 |
| Net charge-offs to loans | -0.0052% | 4,507 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6899% | 2,397 |
| Assets per employee ($millions) | 5.2858% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 5,042 |
| Loan loss allowance to noncurrent loans | 98.3202% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 2,509 |
| Noncurrent loans to loans | 1.0150% | 2,736 |
| Net loans and leases to total assets | 86.0046% | 189 |
| Net loans and leases to deposits | 118.2617% | 108 |
| Net loans and leases to core deposits | 123.2755% | 343 |
| Total domestic deposits to total assets | 72.7240% | 6,001 |
| Equity capital to assets | 9.3384% | 4,920 |
| Core capital (leverage) ratio | 9.2603% | 4,634 |
| Tier 1 risk-based capital ratio | 12.8224% | 4,715 |
| Total risk-based capital ratio | 14.1714% | 4,567 |
| Memoranda: | ||
| Average total assets | $796,530,500 | 886 |
| Average earning assets | $742,122,000 | 861 |
| Average equity | $74,596,000 | 1,030 |
| Average total loans | $689,800,500 | 674 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,565 |
| Cost of funding earning assets | 0.6083% | 1,696 |
| Net interest margin | 3.1670% | 5,026 |
| Noninterest income to average assets | 0.3400% | 4,672 |
| Noninterest expense to average assets | 2.6406% | 4,088 |
| Loan and lease loss provision to assets | 0.1571% | 1,670 |
| Net operating income to assets | 0.3164% | 5,478 |
| Return on assets (ROA) | 0.3222% | 5,529 |
| Pretax return on assets | 0.4714% | 5,318 |
| Return on Equity (ROE) | 3.2777% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.2777% | 3,897 |
| Net charge-offs to loans | 0.1206% | 2,828 |
| Credit loss provision to net charge-offs | 152.2876% | 1,593 |
| Earnings coverage of net charge-offs (x) | 6.0078% | 3,293 |
| Efficiency ratio | 80.9871% | 1,771 |
| Assets per employee ($millions) | 5.0617% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 5,121 |
| Loan loss allowance to noncurrent loans | 103.0896% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0040% | 2,744 |
| Noncurrent loans to loans | 0.9592% | 2,929 |
| Net loans and leases to total assets | 85.4715% | 244 |
| Net loans and leases to deposits | 117.2394% | 123 |
| Net loans and leases to core deposits | 121.5618% | 377 |
| Total domestic deposits to total assets | 72.9034% | 6,024 |
| Equity capital to assets | 9.3923% | 4,854 |
| Core capital (leverage) ratio | 9.4002% | 4,386 |
| Tier 1 risk-based capital ratio | 13.3598% | 4,499 |
| Total risk-based capital ratio | 14.7254% | 4,369 |
| Memoranda: | ||
| Average total assets | $741,382,200 | 910 |
| Average earning assets | $683,673,600 | 899 |
| Average equity | $72,885,600 | 1,002 |
| Average total loans | $634,075,600 | 690 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,535 |
| Cost of funding earning assets | 0.6075% | 1,768 |
| Net interest margin | 3.1953% | 4,984 |
| Noninterest income to average assets | 0.3552% | 4,600 |
| Noninterest expense to average assets | 2.6687% | 3,946 |
| Loan and lease loss provision to assets | 0.1196% | 2,076 |
| Net operating income to assets | 0.3437% | 5,450 |
| Return on assets (ROA) | 0.3499% | 5,498 |
| Pretax return on assets | 0.5144% | 5,287 |
| Return on Equity (ROE) | 3.5167% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.5167% | 4,139 |
| Net charge-offs to loans | 0.0804% | 3,054 |
| Credit loss provision to net charge-offs | 174.4000% | 1,426 |
| Earnings coverage of net charge-offs (x) | 9.1146% | 2,712 |
| Efficiency ratio | 81.0280% | 1,756 |
| Assets per employee ($millions) | 4.9512% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 5,134 |
| Loan loss allowance to noncurrent loans | 102.0348% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2368% | 2,485 |
| Noncurrent loans to loans | 0.9976% | 3,076 |
| Net loans and leases to total assets | 84.9646% | 263 |
| Net loans and leases to deposits | 111.1604% | 195 |
| Net loans and leases to core deposits | 115.2069% | 542 |
| Total domestic deposits to total assets | 76.4342% | 5,761 |
| Equity capital to assets | 9.7254% | 4,525 |
| Core capital (leverage) ratio | 9.5909% | 4,259 |
| Tier 1 risk-based capital ratio | 14.0445% | 4,177 |
| Total risk-based capital ratio | 15.4327% | 4,021 |
| Memoranda: | ||
| Average total assets | $729,321,250 | 930 |
| Average earning assets | $670,669,000 | 920 |
| Average equity | $72,566,000 | 1,006 |
| Average total loans | $622,183,250 | 696 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 4,540 |
| Cost of funding earning assets | 0.5967% | 1,927 |
| Net interest margin | 3.1999% | 4,949 |
| Noninterest income to average assets | 0.3353% | 4,743 |
| Noninterest expense to average assets | 2.6706% | 3,977 |
| Loan and lease loss provision to assets | 0.1267% | 1,949 |
| Net operating income to assets | 0.3260% | 5,475 |
| Return on assets (ROA) | 0.3342% | 5,522 |
| Pretax return on assets | 0.4862% | 5,314 |
| Return on Equity (ROE) | 3.3326% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.3326% | 4,079 |
| Net charge-offs to loans | 0.0943% | 2,728 |
| Credit loss provision to net charge-offs | 157.7855% | 1,412 |
| Earnings coverage of net charge-offs (x) | 7.4844% | 2,621 |
| Efficiency ratio | 81.6321% | 1,790 |
| Assets per employee ($millions) | 5.0707% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,190 |
| Loan loss allowance to noncurrent loans | 82.5342% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 2,257 |
| Noncurrent loans to loans | 1.2521% | 2,723 |
| Net loans and leases to total assets | 83.6023% | 329 |
| Net loans and leases to deposits | 112.2912% | 163 |
| Net loans and leases to core deposits | 116.5395% | 464 |
| Total domestic deposits to total assets | 74.4513% | 6,068 |
| Equity capital to assets | 9.7947% | 4,364 |
| Core capital (leverage) ratio | 9.8990% | 3,746 |
| Tier 1 risk-based capital ratio | 14.0754% | 4,211 |
| Total risk-based capital ratio | 15.4685% | 4,050 |
| Memoranda: | ||
| Average total assets | $719,915,330 | 942 |
| Average earning assets | $660,584,000 | 940 |
| Average equity | $72,196,670 | 1,006 |
| Average total loans | $612,824,670 | 707 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 4,319 |
| Cost of funding earning assets | 0.6002% | 1,970 |
| Net interest margin | 3.2405% | 4,778 |
| Noninterest income to average assets | 0.2308% | 5,507 |
| Noninterest expense to average assets | 2.6319% | 4,173 |
| Loan and lease loss provision to assets | 0.0469% | 3,157 |
| Net operating income to assets | 0.3608% | 5,271 |
| Return on assets (ROA) | 0.3643% | 5,323 |
| Pretax return on assets | 0.5317% | 5,074 |
| Return on Equity (ROE) | 3.5882% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.5882% | 3,978 |
| Net charge-offs to loans | 0.0516% | 2,664 |
| Credit loss provision to net charge-offs | 106.4103% | 1,578 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,686 |
| Efficiency ratio | 82.1069% | 1,916 |
| Assets per employee ($millions) | 4.7266% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,329 |
| Loan loss allowance to noncurrent loans | 83.7071% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 2,398 |
| Noncurrent loans to loans | 1.2501% | 2,952 |
| Net loans and leases to total assets | 84.6291% | 208 |
| Net loans and leases to deposits | 108.7910% | 173 |
| Net loans and leases to core deposits | 112.0400% | 518 |
| Total domestic deposits to total assets | 77.7906% | 5,857 |
| Equity capital to assets | 10.1793% | 3,622 |
| Core capital (leverage) ratio | 10.0391% | 3,511 |
| Tier 1 risk-based capital ratio | 14.4436% | 4,033 |
| Total risk-based capital ratio | 15.8295% | 3,909 |
| Memoranda: | ||
| Average total assets | $707,175,500 | 959 |
| Average earning assets | $649,162,000 | 960 |
| Average equity | $71,790,500 | 1,014 |
| Average total loans | $604,400,000 | 717 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 4,759 |
| Cost of funding earning assets | 0.7200% | 1,676 |
| Net interest margin | 3.0956% | 5,328 |
| Noninterest income to average assets | 0.5885% | 3,162 |
| Noninterest expense to average assets | 2.5396% | 4,646 |
| Loan and lease loss provision to assets | 0.2277% | 1,599 |
| Net operating income to assets | 0.4400% | 4,993 |
| Return on assets (ROA) | 0.4547% | 5,061 |
| Pretax return on assets | 0.6840% | 4,601 |
| Return on Equity (ROE) | 4.5179% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.5179% | 2,958 |
| Net charge-offs to loans | 0.2065% | 2,813 |
| Credit loss provision to net charge-offs | 131.8371% | 1,789 |
| Earnings coverage of net charge-offs (x) | 5.1496% | 3,369 |
| Efficiency ratio | 74.0654% | 3,120 |
| Assets per employee ($millions) | 4.4927% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,336 |
| Loan loss allowance to noncurrent loans | 83.2349% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5256% | 2,437 |
| Noncurrent loans to loans | 1.2644% | 3,015 |
| Net loans and leases to total assets | 84.5103% | 221 |
| Net loans and leases to deposits | 107.7709% | 211 |
| Net loans and leases to core deposits | 110.5431% | 590 |
| Total domestic deposits to total assets | 78.4167% | 5,758 |
| Equity capital to assets | 10.1240% | 3,597 |
| Core capital (leverage) ratio | 10.0613% | 3,480 |
| Tier 1 risk-based capital ratio | 14.3441% | 4,054 |
| Total risk-based capital ratio | 15.7164% | 3,915 |
| Memoranda: | ||
| Average total assets | $696,648,200 | 948 |
| Average earning assets | $639,190,200 | 950 |
| Average equity | $70,121,200 | 1,021 |
| Average total loans | $582,564,200 | 720 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 4,760 |
| Cost of funding earning assets | 0.7456% | 1,633 |
| Net interest margin | 3.0775% | 5,382 |
| Noninterest income to average assets | 0.6322% | 2,979 |
| Noninterest expense to average assets | 2.5127% | 4,678 |
| Loan and lease loss provision to assets | 0.1918% | 1,908 |
| Net operating income to assets | 0.4939% | 4,819 |
| Return on assets (ROA) | 0.5136% | 4,894 |
| Pretax return on assets | 0.7808% | 4,368 |
| Return on Equity (ROE) | 5.1098% | 4,670 |
| Retained earnings to average equity (ytd only) | 5.1098% | 2,999 |
| Net charge-offs to loans | 0.1842% | 2,753 |
| Credit loss provision to net charge-offs | 125.1880% | 1,877 |
| Earnings coverage of net charge-offs (x) | 6.1542% | 3,032 |
| Efficiency ratio | 72.7152% | 3,277 |
| Assets per employee ($millions) | 4.4867% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 5,529 |
| Loan loss allowance to noncurrent loans | 86.9160% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 3,244 |
| Noncurrent loans to loans | 1.2076% | 3,404 |
| Net loans and leases to total assets | 82.4153% | 335 |
| Net loans and leases to deposits | 104.1267% | 293 |
| Net loans and leases to core deposits | 108.0109% | 668 |
| Total domestic deposits to total assets | 79.1491% | 5,717 |
| Equity capital to assets | 10.0447% | 3,842 |
| Core capital (leverage) ratio | 9.9323% | 3,766 |
| Tier 1 risk-based capital ratio | 14.5813% | 4,028 |
| Total risk-based capital ratio | 15.9284% | 3,922 |
| Memoranda: | ||
| Average total assets | $694,471,750 | 959 |
| Average earning assets | $637,128,500 | 958 |
| Average equity | $69,799,000 | 1,031 |
| Average total loans | $577,596,000 | 723 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,715 |
| Cost of funding earning assets | 0.7804% | 1,523 |
| Net interest margin | 3.0539% | 5,419 |
| Noninterest income to average assets | 0.7327% | 2,488 |
| Noninterest expense to average assets | 2.4640% | 4,857 |
| Loan and lease loss provision to assets | 0.2506% | 1,484 |
| Net operating income to assets | 0.5368% | 4,631 |
| Return on assets (ROA) | 0.5405% | 4,771 |
| Pretax return on assets | 0.8253% | 4,221 |
| Return on Equity (ROE) | 5.3771% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.3771% | 2,823 |
| Net charge-offs to loans | 0.2252% | 2,385 |
| Credit loss provision to net charge-offs | 133.8485% | 1,693 |
| Earnings coverage of net charge-offs (x) | 5.7156% | 2,839 |
| Efficiency ratio | 69.7208% | 3,879 |
| Assets per employee ($millions) | 4.8904% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,578 |
| Loan loss allowance to noncurrent loans | 90.9707% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 3,383 |
| Noncurrent loans to loans | 1.1652% | 3,611 |
| Net loans and leases to total assets | 83.6006% | 259 |
| Net loans and leases to deposits | 106.6982% | 206 |
| Net loans and leases to core deposits | 111.0388% | 523 |
| Total domestic deposits to total assets | 78.3524% | 5,908 |
| Equity capital to assets | 10.1839% | 3,680 |
| Core capital (leverage) ratio | 10.0544% | 3,441 |
| Tier 1 risk-based capital ratio | 14.5329% | 4,081 |
| Total risk-based capital ratio | 15.8875% | 3,969 |
| Memoranda: | ||
| Average total assets | $691,156,000 | 963 |
| Average earning assets | $634,009,670 | 968 |
| Average equity | $69,479,670 | 1,040 |
| Average total loans | $574,559,000 | 725 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 4,684 |
| Cost of funding earning assets | 0.8014% | 1,517 |
| Net interest margin | 3.0372% | 5,468 |
| Noninterest income to average assets | 0.8457% | 1,941 |
| Noninterest expense to average assets | 2.3926% | 5,147 |
| Loan and lease loss provision to assets | 0.4041% | 764 |
| Net operating income to assets | 0.5465% | 4,467 |
| Return on assets (ROA) | 0.5469% | 4,619 |
| Pretax return on assets | 0.8365% | 4,017 |
| Return on Equity (ROE) | 5.4755% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.4755% | 2,965 |
| Net charge-offs to loans | 0.3905% | 1,479 |
| Credit loss provision to net charge-offs | 125.4937% | 1,545 |
| Earnings coverage of net charge-offs (x) | 3.8510% | 2,659 |
| Efficiency ratio | 65.8657% | 4,687 |
| Assets per employee ($millions) | 5.1453% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,705 |
| Loan loss allowance to noncurrent loans | 80.8564% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 3,402 |
| Noncurrent loans to loans | 1.3253% | 3,574 |
| Net loans and leases to total assets | 81.0581% | 346 |
| Net loans and leases to deposits | 104.9862% | 213 |
| Net loans and leases to core deposits | 109.3928% | 513 |
| Total domestic deposits to total assets | 77.2084% | 6,224 |
| Equity capital to assets | 10.0243% | 4,120 |
| Core capital (leverage) ratio | 9.9445% | 3,467 |
| Tier 1 risk-based capital ratio | 14.6995% | 4,040 |
| Total risk-based capital ratio | 16.0547% | 3,936 |
| Memoranda: | ||
| Average total assets | $691,959,000 | 971 |
| Average earning assets | $634,928,500 | 972 |
| Average equity | $69,108,000 | 1,054 |
| Average total loans | $570,516,500 | 735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 4,764 |
| Cost of funding earning assets | 0.8661% | 2,174 |
| Net interest margin | 3.2856% | 5,300 |
| Noninterest income to average assets | 0.6880% | 2,782 |
| Noninterest expense to average assets | 2.2207% | 5,880 |
| Loan and lease loss provision to assets | 0.1415% | 3,834 |
| Net operating income to assets | 0.8518% | 3,032 |
| Return on assets (ROA) | 0.8562% | 3,261 |
| Pretax return on assets | 1.3475% | 2,222 |
| Return on Equity (ROE) | 8.7594% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.7594% | 893 |
| Net charge-offs to loans | 0.1317% | 4,358 |
| Credit loss provision to net charge-offs | 129.3315% | 2,176 |
| Earnings coverage of net charge-offs (x) | 13.5484% | 1,815 |
| Efficiency ratio | 59.9734% | 5,542 |
| Assets per employee ($millions) | 5.2619% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 5,805 |
| Loan loss allowance to noncurrent loans | 150.0126% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 4,516 |
| Noncurrent loans to loans | 0.6944% | 4,804 |
| Net loans and leases to total assets | 82.1025% | 322 |
| Net loans and leases to deposits | 108.0752% | 189 |
| Net loans and leases to core deposits | 112.2329% | 461 |
| Total domestic deposits to total assets | 75.9679% | 6,356 |
| Equity capital to assets | 9.9500% | 4,240 |
| Core capital (leverage) ratio | 9.8976% | 3,548 |
| Tier 1 risk-based capital ratio | 14.3429% | 4,131 |
| Total risk-based capital ratio | 15.6657% | 4,041 |
| Memoranda: | ||
| Average total assets | $670,051,600 | 981 |
| Average earning assets | $614,841,000 | 978 |
| Average equity | $65,495,000 | 1,079 |
| Average total loans | $556,776,800 | 751 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 4,826 |
| Cost of funding earning assets | 0.8746% | 2,360 |
| Net interest margin | 3.3226% | 5,303 |
| Noninterest income to average assets | 0.6165% | 3,180 |
| Noninterest expense to average assets | 2.1991% | 5,952 |
| Loan and lease loss provision to assets | 0.1609% | 3,499 |
| Net operating income to assets | 0.8325% | 3,294 |
| Return on assets (ROA) | 0.8380% | 3,518 |
| Pretax return on assets | 1.3152% | 2,538 |
| Return on Equity (ROE) | 8.6130% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.6130% | 1,368 |
| Net charge-offs to loans | 0.1451% | 3,950 |
| Credit loss provision to net charge-offs | 133.3887% | 2,163 |
| Earnings coverage of net charge-offs (x) | 12.1627% | 2,022 |
| Efficiency ratio | 59.9759% | 5,506 |
| Assets per employee ($millions) | 5.3518% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,865 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 4,648 |
| Noncurrent loans to loans | 0.7549% | 4,908 |
| Net loans and leases to total assets | 81.2184% | 409 |
| Net loans and leases to deposits | 107.1793% | 213 |
| Net loans and leases to core deposits | 111.4273% | 522 |
| Total domestic deposits to total assets | 75.7781% | 6,414 |
| Equity capital to assets | 9.8060% | 4,772 |
| Core capital (leverage) ratio | 9.6455% | 4,051 |
| Tier 1 risk-based capital ratio | 14.1432% | 4,424 |
| Total risk-based capital ratio | 15.4673% | 4,340 |
| Memoranda: | ||
| Average total assets | $665,237,500 | 990 |
| Average earning assets | $610,671,750 | 992 |
| Average equity | $64,722,250 | 1,102 |
| Average total loans | $552,997,000 | 756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 4,864 |
| Cost of funding earning assets | 0.8788% | 2,573 |
| Net interest margin | 3.3448% | 5,289 |
| Noninterest income to average assets | 0.5727% | 3,426 |
| Noninterest expense to average assets | 2.2310% | 5,921 |
| Loan and lease loss provision to assets | 0.2438% | 2,626 |
| Net operating income to assets | 0.7546% | 3,581 |
| Return on assets (ROA) | 0.7664% | 3,796 |
| Pretax return on assets | 1.1894% | 2,974 |
| Return on Equity (ROE) | 7.8992% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.8992% | 1,677 |
| Net charge-offs to loans | 0.1371% | 3,827 |
| Credit loss provision to net charge-offs | 212.9973% | 1,325 |
| Earnings coverage of net charge-offs (x) | 12.3581% | 1,884 |
| Efficiency ratio | 61.1944% | 5,389 |
| Assets per employee ($millions) | 5.4230% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,787 |
| Loan loss allowance to noncurrent loans | 84.1588% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 3,836 |
| Noncurrent loans to loans | 1.3029% | 3,969 |
| Net loans and leases to total assets | 82.7314% | 288 |
| Net loans and leases to deposits | 113.3654% | 110 |
| Net loans and leases to core deposits | 118.4803% | 337 |
| Total domestic deposits to total assets | 72.9777% | 6,747 |
| Equity capital to assets | 9.7180% | 4,733 |
| Core capital (leverage) ratio | 9.6379% | 3,942 |
| Tier 1 risk-based capital ratio | 13.8160% | 4,586 |
| Total risk-based capital ratio | 15.1205% | 4,516 |
| Memoranda: | ||
| Average total assets | $658,640,670 | 1,001 |
| Average earning assets | $605,113,670 | 996 |
| Average equity | $63,905,000 | 1,110 |
| Average total loans | $549,892,000 | 762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 4,871 |
| Cost of funding earning assets | 0.8779% | 2,847 |
| Net interest margin | 3.3872% | 5,171 |
| Noninterest income to average assets | 0.3603% | 4,998 |
| Noninterest expense to average assets | 2.2396% | 5,940 |
| Loan and lease loss provision to assets | 0.3511% | 1,783 |
| Net operating income to assets | 0.5762% | 4,463 |
| Return on assets (ROA) | 0.6033% | 4,548 |
| Pretax return on assets | 0.9255% | 3,947 |
| Return on Equity (ROE) | 6.2232% | 4,176 |
| Retained earnings to average equity (ytd only) | 6.2232% | 2,830 |
| Net charge-offs to loans | 0.3157% | 2,381 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 4.6900% | 2,518 |
| Efficiency ratio | 64.4586% | 4,837 |
| Assets per employee ($millions) | 5.2868% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 6,024 |
| Loan loss allowance to noncurrent loans | 128.4934% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 4,718 |
| Noncurrent loans to loans | 0.8285% | 5,013 |
| Net loans and leases to total assets | 82.7611% | 237 |
| Net loans and leases to deposits | 110.3127% | 137 |
| Net loans and leases to core deposits | 115.1089% | 403 |
| Total domestic deposits to total assets | 75.0241% | 6,643 |
| Equity capital to assets | 9.6509% | 4,583 |
| Core capital (leverage) ratio | 9.6937% | 3,779 |
| Tier 1 risk-based capital ratio | 13.9083% | 4,523 |
| Total risk-based capital ratio | 15.2248% | 4,451 |
| Memoranda: | ||
| Average total assets | $651,735,500 | 1,014 |
| Average earning assets | $599,189,000 | 1,006 |
| Average equity | $63,183,000 | 1,118 |
| Average total loans | $543,590,000 | 769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 5,266 |
| Cost of funding earning assets | 1.0263% | 3,184 |
| Net interest margin | 3.4188% | 5,430 |
| Noninterest income to average assets | 0.3826% | 4,767 |
| Noninterest expense to average assets | 2.2731% | 6,108 |
| Loan and lease loss provision to assets | 0.1152% | 5,158 |
| Net operating income to assets | 0.7222% | 3,378 |
| Return on assets (ROA) | 0.7403% | 3,464 |
| Pretax return on assets | 1.1504% | 2,647 |
| Return on Equity (ROE) | 7.6000% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.5834% | 1,234 |
| Net charge-offs to loans | 0.2409% | 4,271 |
| Credit loss provision to net charge-offs | 58.9064% | 5,195 |
| Earnings coverage of net charge-offs (x) | 6.3264% | 2,543 |
| Efficiency ratio | 64.7542% | 4,995 |
| Assets per employee ($millions) | 5.2674% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.2189% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,907 |
| Loan loss allowance to noncurrent loans | 89.8310% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 4,103 |
| Noncurrent loans to loans | 1.1962% | 4,376 |
| Net loans and leases to total assets | 82.2610% | 321 |
| Net loans and leases to deposits | 109.2143% | 185 |
| Net loans and leases to core deposits | 113.5279% | 519 |
| Total domestic deposits to total assets | 75.3207% | 6,560 |
| Equity capital to assets | 9.7395% | 4,525 |
| Core capital (leverage) ratio | 9.7018% | 3,745 |
| Tier 1 risk-based capital ratio | 14.0284% | 4,307 |
| Total risk-based capital ratio | 15.3062% | 4,238 |
| Memoranda: | ||
| Average total assets | $617,166,200 | 1,054 |
| Average earning assets | $564,642,800 | 1,051 |
| Average equity | $60,118,400 | 1,121 |
| Average total loans | $500,934,000 | 834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 5,282 |
| Cost of funding earning assets | 1.0630% | 3,223 |
| Net interest margin | 3.4269% | 5,476 |
| Noninterest income to average assets | 0.3104% | 5,382 |
| Noninterest expense to average assets | 2.2863% | 6,073 |
| Loan and lease loss provision to assets | 0.0849% | 5,383 |
| Net operating income to assets | 0.6920% | 3,664 |
| Return on assets (ROA) | 0.7145% | 3,710 |
| Pretax return on assets | 1.1080% | 2,973 |
| Return on Equity (ROE) | 7.3341% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.3117% | 1,807 |
| Net charge-offs to loans | 0.2528% | 3,852 |
| Credit loss provision to net charge-offs | 41.6488% | 5,209 |
| Earnings coverage of net charge-offs (x) | 5.6788% | 2,723 |
| Efficiency ratio | 66.3836% | 4,642 |
| Assets per employee ($millions) | 5.0542% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.3055% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,815 |
| Loan loss allowance to noncurrent loans | 98.3757% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1767% | 4,431 |
| Noncurrent loans to loans | 1.1380% | 4,642 |
| Net loans and leases to total assets | 79.5934% | 552 |
| Net loans and leases to deposits | 103.9178% | 321 |
| Net loans and leases to core deposits | 107.2907% | 797 |
| Total domestic deposits to total assets | 76.5927% | 6,441 |
| Equity capital to assets | 9.6862% | 4,798 |
| Core capital (leverage) ratio | 9.5737% | 4,031 |
| Tier 1 risk-based capital ratio | 14.2637% | 4,150 |
| Total risk-based capital ratio | 15.5240% | 4,106 |
| Memoranda: | ||
| Average total assets | $610,802,000 | 1,074 |
| Average earning assets | $558,539,250 | 1,070 |
| Average equity | $59,501,000 | 1,137 |
| Average total loans | $492,575,000 | 864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 5,151 |
| Cost of funding earning assets | 1.0943% | 3,288 |
| Net interest margin | 3.4623% | 5,314 |
| Noninterest income to average assets | 0.2868% | 5,586 |
| Noninterest expense to average assets | 2.2524% | 6,238 |
| Loan and lease loss provision to assets | 0.1288% | 4,676 |
| Net operating income to assets | 0.6873% | 3,615 |
| Return on assets (ROA) | 0.7002% | 3,656 |
| Pretax return on assets | 1.0851% | 2,915 |
| Return on Equity (ROE) | 7.1738% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.1399% | 1,813 |
| Net charge-offs to loans | 0.3148% | 3,297 |
| Credit loss provision to net charge-offs | 50.7171% | 4,565 |
| Earnings coverage of net charge-offs (x) | 4.7001% | 2,797 |
| Efficiency ratio | 65.3532% | 4,991 |
| Assets per employee ($millions) | 5.1165% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.4730% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,643 |
| Loan loss allowance to noncurrent loans | 104.8488% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1662% | 4,557 |
| Noncurrent loans to loans | 1.1217% | 4,792 |
| Net loans and leases to total assets | 79.5342% | 581 |
| Net loans and leases to deposits | 105.2389% | 286 |
| Net loans and leases to core deposits | 108.4656% | 786 |
| Total domestic deposits to total assets | 75.5749% | 6,663 |
| Equity capital to assets | 9.7410% | 4,480 |
| Core capital (leverage) ratio | 9.8104% | 3,511 |
| Tier 1 risk-based capital ratio | 14.1339% | 4,070 |
| Total risk-based capital ratio | 15.4558% | 3,984 |
| Memoranda: | ||
| Average total assets | $603,812,000 | 1,103 |
| Average earning assets | $551,023,000 | 1,100 |
| Average equity | $58,936,330 | 1,138 |
| Average total loans | $487,252,670 | 885 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 4,819 |
| Cost of funding earning assets | 1.1277% | 3,307 |
| Net interest margin | 3.5024% | 5,001 |
| Noninterest income to average assets | 0.1630% | 6,561 |
| Noninterest expense to average assets | 2.4262% | 5,807 |
| Loan and lease loss provision to assets | 0.2610% | 3,049 |
| Net operating income to assets | 0.4538% | 4,698 |
| Return on assets (ROA) | 0.4542% | 4,784 |
| Pretax return on assets | 0.6689% | 4,423 |
| Return on Equity (ROE) | 4.6488% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.6488% | 3,400 |
| Net charge-offs to loans | 0.5281% | 2,170 |
| Credit loss provision to net charge-offs | 61.1635% | 3,529 |
| Earnings coverage of net charge-offs (x) | 2.1777% | 3,222 |
| Efficiency ratio | 72.3055% | 3,804 |
| Assets per employee ($millions) | 5.3007% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,430 |
| Loan loss allowance to noncurrent loans | 108.8283% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 4,439 |
| Noncurrent loans to loans | 1.1424% | 4,793 |
| Net loans and leases to total assets | 79.4530% | 570 |
| Net loans and leases to deposits | 103.6638% | 322 |
| Net loans and leases to core deposits | 106.8962% | 900 |
| Total domestic deposits to total assets | 76.6449% | 6,586 |
| Equity capital to assets | 9.8063% | 4,025 |
| Core capital (leverage) ratio | 9.6863% | 3,547 |
| Tier 1 risk-based capital ratio | 13.9574% | 4,100 |
| Total risk-based capital ratio | 15.2842% | 4,029 |
| Memoranda: | ||
| Average total assets | $596,167,000 | 1,122 |
| Average earning assets | $543,391,500 | 1,125 |
| Average equity | $58,251,000 | 1,136 |
| Average total loans | $481,750,000 | 906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 4,803 |
| Cost of funding earning assets | 1.2858% | 3,976 |
| Net interest margin | 3.6602% | 4,530 |
| Noninterest income to average assets | 0.5730% | 3,645 |
| Noninterest expense to average assets | 2.0236% | 6,981 |
| Loan and lease loss provision to assets | 0.0808% | 6,345 |
| Net operating income to assets | 1.1155% | 1,659 |
| Return on assets (ROA) | 1.1156% | 1,741 |
| Pretax return on assets | 1.8035% | 756 |
| Return on Equity (ROE) | 12.0098% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.0098% | 273 |
| Net charge-offs to loans | 0.3557% | 4,241 |
| Credit loss provision to net charge-offs | 28.3493% | 6,504 |
| Earnings coverage of net charge-offs (x) | 6.6094% | 2,324 |
| Efficiency ratio | 51.7845% | 7,000 |
| Assets per employee ($millions) | 5.1152% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 5,030 |
| Loan loss allowance to noncurrent loans | 81.3405% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 3,935 |
| Noncurrent loans to loans | 1.5924% | 4,110 |
| Net loans and leases to total assets | 80.1146% | 651 |
| Net loans and leases to deposits | 104.1679% | 393 |
| Net loans and leases to core deposits | 107.2530% | 1,105 |
| Total domestic deposits to total assets | 76.9091% | 6,493 |
| Equity capital to assets | 9.7352% | 4,072 |
| Core capital (leverage) ratio | 9.7122% | 3,420 |
| Tier 1 risk-based capital ratio | 13.7169% | 4,050 |
| Total risk-based capital ratio | 15.0132% | 3,992 |
| Memoranda: | ||
| Average total assets | $586,520,400 | 1,144 |
| Average earning assets | $534,369,400 | 1,143 |
| Average equity | $54,480,600 | 1,226 |
| Average total loans | $470,104,000 | 958 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 4,759 |
| Cost of funding earning assets | 1.3119% | 4,144 |
| Net interest margin | 3.6993% | 4,400 |
| Noninterest income to average assets | 0.5070% | 4,124 |
| Noninterest expense to average assets | 2.0213% | 7,010 |
| Loan and lease loss provision to assets | 0.1053% | 5,984 |
| Net operating income to assets | 1.0814% | 1,962 |
| Return on assets (ROA) | 1.0816% | 2,070 |
| Pretax return on assets | 1.7507% | 1,011 |
| Return on Equity (ROE) | 11.7876% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.7876% | 483 |
| Net charge-offs to loans | 0.4494% | 3,504 |
| Credit loss provision to net charge-offs | 29.3333% | 6,163 |
| Earnings coverage of net charge-offs (x) | 5.1682% | 2,827 |
| Efficiency ratio | 52.1345% | 6,961 |
| Assets per employee ($millions) | 5.1882% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 4,678 |
| Loan loss allowance to noncurrent loans | 94.1763% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 4,266 |
| Noncurrent loans to loans | 1.4426% | 4,452 |
| Net loans and leases to total assets | 78.3088% | 984 |
| Net loans and leases to deposits | 99.6073% | 682 |
| Net loans and leases to core deposits | 102.4829% | 1,605 |
| Total domestic deposits to total assets | 78.6176% | 6,112 |
| Equity capital to assets | 9.6177% | 4,664 |
| Core capital (leverage) ratio | 9.5288% | 3,858 |
| Tier 1 risk-based capital ratio | 13.4860% | 4,217 |
| Total risk-based capital ratio | 14.7756% | 4,135 |
| Memoranda: | ||
| Average total assets | $584,810,500 | 1,155 |
| Average earning assets | $532,765,750 | 1,159 |
| Average equity | $53,659,500 | 1,245 |
| Average total loans | $467,228,500 | 972 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 4,692 |
| Cost of funding earning assets | 1.3436% | 4,228 |
| Net interest margin | 3.7086% | 4,325 |
| Noninterest income to average assets | 0.4884% | 4,205 |
| Noninterest expense to average assets | 2.0715% | 6,977 |
| Loan and lease loss provision to assets | 0.1581% | 5,309 |
| Net operating income to assets | 1.0172% | 2,130 |
| Return on assets (ROA) | 1.0183% | 2,197 |
| Pretax return on assets | 1.6484% | 1,167 |
| Return on Equity (ROE) | 11.2795% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.2795% | 599 |
| Net charge-offs to loans | 0.6216% | 2,669 |
| Credit loss provision to net charge-offs | 31.7744% | 5,705 |
| Earnings coverage of net charge-offs (x) | 3.6265% | 3,235 |
| Efficiency ratio | 53.4393% | 6,939 |
| Assets per employee ($millions) | 4.9640% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,424 |
| Loan loss allowance to noncurrent loans | 70.4879% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.8597% | 3,677 |
| Noncurrent loans to loans | 1.9850% | 3,741 |
| Net loans and leases to total assets | 78.1888% | 1,082 |
| Net loans and leases to deposits | 101.7041% | 607 |
| Net loans and leases to core deposits | 104.9948% | 1,537 |
| Total domestic deposits to total assets | 76.8787% | 6,532 |
| Equity capital to assets | 9.3337% | 4,958 |
| Core capital (leverage) ratio | 9.1085% | 4,447 |
| Tier 1 risk-based capital ratio | 13.1711% | 4,306 |
| Total risk-based capital ratio | 14.4255% | 4,261 |
| Memoranda: | ||
| Average total assets | $584,323,670 | 1,163 |
| Average earning assets | $533,786,330 | 1,153 |
| Average equity | $52,750,670 | 1,261 |
| Average total loans | $467,829,670 | 981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 4,704 |
| Cost of funding earning assets | 1.3605% | 4,418 |
| Net interest margin | 3.7049% | 4,216 |
| Noninterest income to average assets | 0.5351% | 3,777 |
| Noninterest expense to average assets | 2.1997% | 6,689 |
| Loan and lease loss provision to assets | 0.3153% | 3,529 |
| Net operating income to assets | 0.8689% | 2,676 |
| Return on assets (ROA) | 0.8558% | 2,818 |
| Pretax return on assets | 1.3841% | 1,824 |
| Return on Equity (ROE) | 9.6422% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.6422% | 1,225 |
| Net charge-offs to loans | 0.6321% | 2,240 |
| Credit loss provision to net charge-offs | 62.0134% | 4,264 |
| Earnings coverage of net charge-offs (x) | 3.3826% | 2,924 |
| Efficiency ratio | 56.1205% | 6,745 |
| Assets per employee ($millions) | 5.2983% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,845 |
| Loan loss allowance to noncurrent loans | 79.2225% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.8870% | 3,652 |
| Noncurrent loans to loans | 1.9089% | 3,911 |
| Net loans and leases to total assets | 79.2078% | 947 |
| Net loans and leases to deposits | 105.4102% | 457 |
| Net loans and leases to core deposits | 109.3612% | 1,326 |
| Total domestic deposits to total assets | 75.1425% | 6,883 |
| Equity capital to assets | 8.9588% | 5,336 |
| Core capital (leverage) ratio | 8.8317% | 4,817 |
| Tier 1 risk-based capital ratio | 12.5360% | 4,710 |
| Total risk-based capital ratio | 13.8311% | 4,626 |
| Memoranda: | ||
| Average total assets | $586,093,000 | 1,182 |
| Average earning assets | $535,399,500 | 1,183 |
| Average equity | $52,021,500 | 1,288 |
| Average total loans | $471,468,000 | 1,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 5,033 |
| Cost of funding earning assets | 2.0425% | 2,760 |
| Net interest margin | 3.2860% | 5,797 |
| Noninterest income to average assets | 0.6714% | 3,149 |
| Noninterest expense to average assets | 2.0262% | 7,332 |
| Loan and lease loss provision to assets | 0.8212% | 2,669 |
| Net operating income to assets | 0.5969% | 3,338 |
| Return on assets (ROA) | 0.5703% | 3,521 |
| Pretax return on assets | 0.7972% | 3,250 |
| Return on Equity (ROE) | 6.8324% | 2,852 |
| Retained earnings to average equity (ytd only) | 6.8324% | 1,023 |
| Net charge-offs to loans | 0.4439% | 4,018 |
| Credit loss provision to net charge-offs | 232.5728% | 1,573 |
| Earnings coverage of net charge-offs (x) | 4.6883% | 2,849 |
| Efficiency ratio | 55.0352% | 7,126 |
| Assets per employee ($millions) | 5.3584% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 3,353 |
| Loan loss allowance to noncurrent loans | 74.2560% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.0917% | 3,285 |
| Noncurrent loans to loans | 2.1309% | 3,479 |
| Net loans and leases to total assets | 79.1879% | 1,149 |
| Net loans and leases to deposits | 105.8605% | 556 |
| Net loans and leases to core deposits | 119.0736% | 2,025 |
| Total domestic deposits to total assets | 74.8040% | 6,897 |
| Equity capital to assets | 8.7926% | 5,454 |
| Core capital (leverage) ratio | 8.7008% | 4,922 |
| Tier 1 risk-based capital ratio | 12.2122% | 4,755 |
| Total risk-based capital ratio | 13.4842% | 4,707 |
| Memoranda: | ||
| Average total assets | $583,416,600 | 1,175 |
| Average earning assets | $534,451,000 | 1,188 |
| Average equity | $48,694,800 | 1,378 |
| Average total loans | $464,031,200 | 1,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 5,077 |
| Cost of funding earning assets | 2.1766% | 2,524 |
| Net interest margin | 3.1960% | 6,035 |
| Noninterest income to average assets | 0.6883% | 3,101 |
| Noninterest expense to average assets | 2.0649% | 7,255 |
| Loan and lease loss provision to assets | 0.8559% | 2,238 |
| Net operating income to assets | 0.5346% | 3,850 |
| Return on assets (ROA) | 0.5031% | 4,061 |
| Pretax return on assets | 0.6563% | 3,997 |
| Return on Equity (ROE) | 6.1099% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.1099% | 1,896 |
| Net charge-offs to loans | 0.4108% | 3,621 |
| Credit loss provision to net charge-offs | 262.7368% | 1,619 |
| Earnings coverage of net charge-offs (x) | 4.7677% | 3,014 |
| Efficiency ratio | 57.0734% | 6,863 |
| Assets per employee ($millions) | 5.2703% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 3,329 |
| Loan loss allowance to noncurrent loans | 66.9207% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.1056% | 3,207 |
| Noncurrent loans to loans | 2.2708% | 3,304 |
| Net loans and leases to total assets | 77.8084% | 1,610 |
| Net loans and leases to deposits | 103.0619% | 837 |
| Net loans and leases to core deposits | 118.9054% | 2,342 |
| Total domestic deposits to total assets | 75.4968% | 6,675 |
| Equity capital to assets | 8.6083% | 6,105 |
| Core capital (leverage) ratio | 8.4081% | 5,655 |
| Tier 1 risk-based capital ratio | 12.0400% | 4,936 |
| Total risk-based capital ratio | 13.2989% | 4,870 |
| Memoranda: | ||
| Average total assets | $583,253,250 | 1,196 |
| Average earning assets | $534,649,000 | 1,200 |
| Average equity | $48,029,750 | 1,421 |
| Average total loans | $462,551,750 | 1,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 5,021 |
| Cost of funding earning assets | 2.2640% | 2,509 |
| Net interest margin | 3.1599% | 6,056 |
| Noninterest income to average assets | 0.7672% | 2,605 |
| Noninterest expense to average assets | 2.1154% | 7,242 |
| Loan and lease loss provision to assets | 0.9117% | 1,852 |
| Net operating income to assets | 0.5413% | 3,930 |
| Return on assets (ROA) | 0.4826% | 4,272 |
| Pretax return on assets | 0.5670% | 4,417 |
| Return on Equity (ROE) | 5.9509% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.9509% | 2,045 |
| Net charge-offs to loans | 0.2378% | 4,011 |
| Credit loss provision to net charge-offs | 482.9091% | 960 |
| Earnings coverage of net charge-offs (x) | 8.1982% | 2,297 |
| Efficiency ratio | 57.7493% | 6,899 |
| Assets per employee ($millions) | 5.1382% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,400 |
| Loan loss allowance to noncurrent loans | 43.4874% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 2.9639% | 2,153 |
| Noncurrent loans to loans | 3.3642% | 2,091 |
| Net loans and leases to total assets | 78.3166% | 1,676 |
| Net loans and leases to deposits | 108.8444% | 612 |
| Net loans and leases to core deposits | 129.6860% | 1,596 |
| Total domestic deposits to total assets | 71.9528% | 7,247 |
| Equity capital to assets | 8.2893% | 6,344 |
| Core capital (leverage) ratio | 8.2667% | 5,859 |
| Tier 1 risk-based capital ratio | 11.6085% | 5,279 |
| Total risk-based capital ratio | 12.8637% | 5,208 |
| Memoranda: | ||
| Average total assets | $582,669,330 | 1,221 |
| Average earning assets | $534,006,670 | 1,212 |
| Average equity | $47,253,330 | 1,458 |
| Average total loans | $462,666,670 | 1,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 5,239 |
| Cost of funding earning assets | 2.3516% | 2,499 |
| Net interest margin | 3.0859% | 6,235 |
| Noninterest income to average assets | 0.8604% | 2,033 |
| Noninterest expense to average assets | 2.0959% | 7,123 |
| Loan and lease loss provision to assets | 0.8046% | 1,600 |
| Net operating income to assets | 0.7593% | 3,301 |
| Return on assets (ROA) | 0.6126% | 4,156 |
| Pretax return on assets | 0.6388% | 4,623 |
| Return on Equity (ROE) | 7.6391% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.6391% | 1,958 |
| Net charge-offs to loans | 0.1015% | 4,161 |
| Credit loss provision to net charge-offs | 999.1453% | 635 |
| Earnings coverage of net charge-offs (x) | 19.8205% | 1,403 |
| Efficiency ratio | 56.7673% | 6,861 |
| Assets per employee ($millions) | 5.1930% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 4,490 |
| Loan loss allowance to noncurrent loans | 42.5090% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 2.3318% | 2,464 |
| Noncurrent loans to loans | 2.9286% | 2,230 |
| Net loans and leases to total assets | 77.8265% | 1,861 |
| Net loans and leases to deposits | 112.9035% | 480 |
| Net loans and leases to core deposits | 138.9143% | 1,157 |
| Total domestic deposits to total assets | 68.9319% | 7,524 |
| Equity capital to assets | 8.0195% | 6,775 |
| Core capital (leverage) ratio | 8.1292% | 6,229 |
| Tier 1 risk-based capital ratio | 11.4373% | 5,471 |
| Total risk-based capital ratio | 12.6890% | 5,364 |
| Memoranda: | ||
| Average total assets | $581,128,000 | 1,225 |
| Average earning assets | $533,263,500 | 1,217 |
| Average equity | $46,602,500 | 1,485 |
| Average total loans | $461,224,000 | 1,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 6,325 |
| Cost of funding earning assets | 2.8821% | 2,345 |
| Net interest margin | 2.9510% | 7,026 |
| Noninterest income to average assets | 0.3627% | 5,815 |
| Noninterest expense to average assets | 2.1289% | 7,160 |
| Loan and lease loss provision to assets | 0.1580% | 5,348 |
| Net operating income to assets | 0.5375% | 4,590 |
| Return on assets (ROA) | 0.2865% | 5,398 |
| Pretax return on assets | 0.4159% | 5,215 |
| Return on Equity (ROE) | 3.5206% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.5206% | 2,949 |
| Net charge-offs to loans | 0.0547% | 6,005 |
| Credit loss provision to net charge-offs | 372.6141% | 1,185 |
| Earnings coverage of net charge-offs (x) | 22.1079% | 1,494 |
| Efficiency ratio | 69.4215% | 4,459 |
| Assets per employee ($millions) | 5.0478% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 5,836 |
| Loan loss allowance to noncurrent loans | 44.1535% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 2,658 |
| Noncurrent loans to loans | 2.3165% | 2,387 |
| Net loans and leases to total assets | 79.1199% | 1,855 |
| Net loans and leases to deposits | 115.2414% | 559 |
| Net loans and leases to core deposits | 147.4990% | 960 |
| Total domestic deposits to total assets | 68.6558% | 7,413 |
| Equity capital to assets | 8.0191% | 6,820 |
| Core capital (leverage) ratio | 8.0597% | 6,391 |
| Tier 1 risk-based capital ratio | 11.4385% | 5,299 |
| Total risk-based capital ratio | 12.5980% | 5,295 |
| Memoranda: | ||
| Average total assets | $568,182,200 | 1,183 |
| Average earning assets | $520,599,800 | 1,186 |
| Average equity | $46,242,000 | 1,472 |
| Average total loans | $440,555,800 | 1,091 |