Home > Commonwealth Co-operative Bank > Performance and Condition Ratios
Commonwealth 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 | 4.8615% | 2,358 |
| Cost of funding earning assets | 1.9007% | 1,067 |
| Net interest margin | 2.9608% | 3,375 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.3143% | 2,812 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4267% | 3,812 |
| Return on assets (ROA) | 0.4252% | 3,814 |
| Pretax return on assets | 0.5654% | 3,698 |
| Return on Equity (ROE) | 3.6000% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.5956% | 3,093 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.3322% | 957 |
| Assets per employee ($millions) | 12.8673% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 4,272 |
| Loan loss allowance to noncurrent loans | 304.7059% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,716 |
| Noncurrent loans to loans | 0.1897% | 2,565 |
| Net loans and leases to total assets | 64.9100% | 2,376 |
| Net loans and leases to deposits | 100.2498% | 524 |
| Net loans and leases to core deposits | 145.1305% | 234 |
| Total domestic deposits to total assets | 64.7400% | 4,395 |
| Equity capital to assets | 12.6188% | 964 |
| Core capital (leverage) ratio | 15.6665% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $210,473,600 | 2,908 |
| Average earning assets | $198,930,800 | 2,881 |
| Average equity | $24,891,200 | 2,526 |
| Average total loans | $136,955,400 | 2,800 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 2,235 |
| Cost of funding earning assets | 1.8086% | 993 |
| Net interest margin | 3.0026% | 3,339 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.3217% | 2,723 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4468% | 3,877 |
| Return on assets (ROA) | 0.4448% | 3,879 |
| Pretax return on assets | 0.5922% | 3,746 |
| Return on Equity (ROE) | 3.8200% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.8235% | 3,305 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.3376% | 988 |
| Assets per employee ($millions) | 12.1757% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5560% | 4,313 |
| Loan loss allowance to noncurrent loans | 303.5156% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,739 |
| Noncurrent loans to loans | 0.1832% | 2,626 |
| Net loans and leases to total assets | 67.1400% | 2,143 |
| Net loans and leases to deposits | 101.6338% | 447 |
| Net loans and leases to core deposits | 150.1453% | 149 |
| Total domestic deposits to total assets | 66.0600% | 4,408 |
| Equity capital to assets | 11.3683% | 1,218 |
| Core capital (leverage) ratio | 15.0946% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $211,623,000 | 2,909 |
| Average earning assets | $200,224,250 | 2,875 |
| Average equity | $24,619,250 | 2,533 |
| Average total loans | $137,593,500 | 2,802 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 2,239 |
| Cost of funding earning assets | 1.6591% | 951 |
| Net interest margin | 3.0281% | 3,357 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.3127% | 2,762 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4898% | 3,827 |
| Return on assets (ROA) | 0.4898% | 3,835 |
| Pretax return on assets | 0.6183% | 3,763 |
| Return on Equity (ROE) | 4.1800% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.1790% | 3,166 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.0553% | 1,088 |
| Assets per employee ($millions) | 11.9104% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 4,263 |
| Loan loss allowance to noncurrent loans | 770.1754% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,247 |
| Noncurrent loans to loans | 0.0818% | 3,102 |
| Net loans and leases to total assets | 64.6000% | 2,320 |
| Net loans and leases to deposits | 101.1310% | 471 |
| Net loans and leases to core deposits | 153.9880% | 124 |
| Total domestic deposits to total assets | 63.8800% | 4,456 |
| Equity capital to assets | 11.6807% | 1,144 |
| Core capital (leverage) ratio | 14.8611% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $213,168,333 | 2,908 |
| Average earning assets | $202,040,333 | 2,876 |
| Average equity | $24,982,000 | 2,523 |
| Average total loans | $136,874,667 | 2,805 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 2,154 |
| Cost of funding earning assets | 1.4720% | 891 |
| Net interest margin | 3.0948% | 3,364 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.3090% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6059% | 3,677 |
| Return on assets (ROA) | 0.6059% | 3,638 |
| Pretax return on assets | 0.7828% | 3,499 |
| Return on Equity (ROE) | 5.1600% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.1619% | 2,984 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.6805% | 1,277 |
| Assets per employee ($millions) | 12.0635% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5880% | 4,374 |
| Loan loss allowance to noncurrent loans | 692.2414% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,250 |
| Noncurrent loans to loans | 0.0849% | 3,135 |
| Net loans and leases to total assets | 62.5200% | 2,413 |
| Net loans and leases to deposits | 90.1579% | 1,034 |
| Net loans and leases to core deposits | 150.5411% | 123 |
| Total domestic deposits to total assets | 69.3500% | 4,432 |
| Equity capital to assets | 11.7278% | 1,082 |
| Core capital (leverage) ratio | 14.9486% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $212,559,000 | 2,956 |
| Average earning assets | $201,626,500 | 2,919 |
| Average equity | $24,952,000 | 2,550 |
| Average total loans | $135,621,500 | 2,846 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 1,832 |
| Cost of funding earning assets | 0.5656% | 1,040 |
| Net interest margin | 3.3923% | 2,283 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.3270% | 2,650 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7553% | 3,472 |
| Return on assets (ROA) | 0.7553% | 3,408 |
| Pretax return on assets | 1.0001% | 3,077 |
| Return on Equity (ROE) | 5.9100% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.9072% | 2,678 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6854% | 1,727 |
| Assets per employee ($millions) | 11.5542% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,342 |
| Loan loss allowance to noncurrent loans | 692.2414% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,249 |
| Noncurrent loans to loans | 0.0861% | 3,138 |
| Net loans and leases to total assets | 64.3700% | 2,213 |
| Net loans and leases to deposits | 90.6929% | 998 |
| Net loans and leases to core deposits | 136.3233% | 166 |
| Total domestic deposits to total assets | 70.9800% | 4,448 |
| Equity capital to assets | 11.7505% | 1,009 |
| Core capital (leverage) ratio | 14.8943% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,687,600 | 3,018 |
| Average earning assets | $194,496,600 | 2,974 |
| Average equity | $26,171,400 | 2,522 |
| Average total loans | $127,427,800 | 2,857 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 1,968 |
| Cost of funding earning assets | 0.3445% | 1,319 |
| Net interest margin | 3.2131% | 2,144 |
| Noninterest income to average assets | 0.1280% | 4,361 |
| Noninterest expense to average assets | 2.3230% | 2,485 |
| Loan and lease loss provision to assets | -0.0248% | 4,447 |
| Net operating income to assets | 0.6728% | 3,405 |
| Return on assets (ROA) | 0.6728% | 3,355 |
| Pretax return on assets | 0.8931% | 3,090 |
| Return on Equity (ROE) | 4.9152% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.9152% | 2,736 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7923% | 1,655 |
| Assets per employee ($millions) | 10.7687% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 4,465 |
| Loan loss allowance to noncurrent loans | 267.0213% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,751 |
| Noncurrent loans to loans | 0.2235% | 2,606 |
| Net loans and leases to total assets | 61.3003% | 2,189 |
| Net loans and leases to deposits | 79.4230% | 1,427 |
| Net loans and leases to core deposits | 97.7271% | 766 |
| Total domestic deposits to total assets | 77.1820% | 4,406 |
| Equity capital to assets | 12.5681% | 747 |
| Core capital (leverage) ratio | 15.0837% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,549,333 | 3,088 |
| Average earning assets | $192,153,667 | 3,045 |
| Average equity | $27,587,667 | 2,544 |
| Average total loans | $123,774,667 | 2,907 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 1,744 |
| Cost of funding earning assets | 0.3722% | 1,040 |
| Net interest margin | 3.1472% | 2,032 |
| Noninterest income to average assets | 0.1540% | 4,229 |
| Noninterest expense to average assets | 2.4337% | 2,063 |
| Loan and lease loss provision to assets | -0.0500% | 4,514 |
| Net operating income to assets | 0.5879% | 3,430 |
| Return on assets (ROA) | 0.5879% | 3,413 |
| Pretax return on assets | 0.7799% | 3,173 |
| Return on Equity (ROE) | 4.1228% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.1228% | 2,891 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9279% | 1,419 |
| Assets per employee ($millions) | 10.5111% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 4,493 |
| Loan loss allowance to noncurrent loans | 265.1408% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,798 |
| Noncurrent loans to loans | 0.2343% | 2,653 |
| Net loans and leases to total assets | 60.3180% | 2,031 |
| Net loans and leases to deposits | 76.7082% | 1,386 |
| Net loans and leases to core deposits | 95.7400% | 670 |
| Total domestic deposits to total assets | 78.6330% | 4,368 |
| Equity capital to assets | 13.7584% | 560 |
| Core capital (leverage) ratio | 14.9864% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,021,000 | 3,107 |
| Average earning assets | $191,282,500 | 3,069 |
| Average equity | $28,524,000 | 2,567 |
| Average total loans | $122,573,500 | 2,923 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 2,503 |
| Cost of funding earning assets | 0.4489% | 1,209 |
| Net interest margin | 3.1056% | 2,888 |
| Noninterest income to average assets | 0.1124% | 4,556 |
| Noninterest expense to average assets | 2.5356% | 2,073 |
| Loan and lease loss provision to assets | -0.1215% | 4,583 |
| Net operating income to assets | 0.5260% | 4,025 |
| Return on assets (ROA) | 0.5372% | 4,059 |
| Pretax return on assets | 0.6901% | 3,947 |
| Return on Equity (ROE) | 3.6198% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.6198% | 3,372 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0580% | 668 |
| Assets per employee ($millions) | 11.1296% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 4,522 |
| Loan loss allowance to noncurrent loans | 271.0801% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,935 |
| Noncurrent loans to loans | 0.2316% | 2,801 |
| Net loans and leases to total assets | 61.4755% | 2,005 |
| Net loans and leases to deposits | 79.7285% | 1,241 |
| Net loans and leases to core deposits | 100.8079% | 502 |
| Total domestic deposits to total assets | 77.1060% | 4,459 |
| Equity capital to assets | 14.7610% | 528 |
| Core capital (leverage) ratio | 14.9136% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,504,400 | 3,084 |
| Average earning assets | $189,367,400 | 3,036 |
| Average equity | $29,310,800 | 2,580 |
| Average total loans | $134,231,600 | 2,793 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 2,554 |
| Cost of funding earning assets | 0.4736% | 1,192 |
| Net interest margin | 3.1285% | 2,968 |
| Noninterest income to average assets | 0.1125% | 4,615 |
| Noninterest expense to average assets | 2.6131% | 1,803 |
| Loan and lease loss provision to assets | -0.1626% | 4,701 |
| Net operating income to assets | 0.5189% | 4,169 |
| Return on assets (ROA) | 0.5339% | 4,179 |
| Pretax return on assets | 0.6795% | 4,105 |
| Return on Equity (ROE) | 3.5925% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.5925% | 3,715 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9939% | 519 |
| Assets per employee ($millions) | 10.5362% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 4,634 |
| Loan loss allowance to noncurrent loans | 182.2014% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 2,712 |
| Noncurrent loans to loans | 0.3302% | 2,600 |
| Net loans and leases to total assets | 64.2020% | 1,745 |
| Net loans and leases to deposits | 83.1903% | 1,014 |
| Net loans and leases to core deposits | 107.7435% | 369 |
| Total domestic deposits to total assets | 77.1748% | 4,482 |
| Equity capital to assets | 14.7287% | 590 |
| Core capital (leverage) ratio | 14.6434% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,797,500 | 3,125 |
| Average earning assets | $188,628,000 | 3,081 |
| Average equity | $29,245,750 | 2,615 |
| Average total loans | $136,806,250 | 2,798 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 2,349 |
| Cost of funding earning assets | 0.5036% | 1,177 |
| Net interest margin | 3.1914% | 2,780 |
| Noninterest income to average assets | 0.1186% | 4,608 |
| Noninterest expense to average assets | 2.7465% | 1,472 |
| Loan and lease loss provision to assets | -0.2453% | 4,803 |
| Net operating income to assets | 0.5387% | 4,141 |
| Return on assets (ROA) | 0.5387% | 4,188 |
| Pretax return on assets | 0.6746% | 4,114 |
| Return on Equity (ROE) | 3.6138% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.6138% | 3,644 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4821% | 454 |
| Assets per employee ($millions) | 9.9957% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5838% | 4,674 |
| Loan loss allowance to noncurrent loans | 180.5104% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 2,857 |
| Noncurrent loans to loans | 0.3234% | 2,761 |
| Net loans and leases to total assets | 66.2675% | 1,669 |
| Net loans and leases to deposits | 86.9546% | 850 |
| Net loans and leases to core deposits | 113.0493% | 300 |
| Total domestic deposits to total assets | 76.2093% | 4,552 |
| Equity capital to assets | 14.7158% | 577 |
| Core capital (leverage) ratio | 14.6969% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,667,667 | 3,133 |
| Average earning assets | $187,440,333 | 3,086 |
| Average equity | $29,166,000 | 2,616 |
| Average total loans | $139,307,667 | 2,788 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 2,094 |
| Cost of funding earning assets | 0.5523% | 1,084 |
| Net interest margin | 3.2491% | 2,550 |
| Noninterest income to average assets | 0.1054% | 4,659 |
| Noninterest expense to average assets | 2.4036% | 2,477 |
| Loan and lease loss provision to assets | 0.0207% | 2,512 |
| Net operating income to assets | 0.5952% | 3,956 |
| Return on assets (ROA) | 0.5952% | 4,016 |
| Pretax return on assets | 0.7936% | 3,825 |
| Return on Equity (ROE) | 3.9670% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.9670% | 3,513 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6949% | 1,250 |
| Assets per employee ($millions) | 10.3028% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 4,530 |
| Loan loss allowance to noncurrent loans | 144.5851% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 2,348 |
| Noncurrent loans to loans | 0.5022% | 2,349 |
| Net loans and leases to total assets | 71.7971% | 1,056 |
| Net loans and leases to deposits | 94.4320% | 473 |
| Net loans and leases to core deposits | 124.5580% | 201 |
| Total domestic deposits to total assets | 76.0305% | 4,583 |
| Equity capital to assets | 14.8391% | 519 |
| Core capital (leverage) ratio | 15.1503% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,544,500 | 3,136 |
| Average earning assets | $185,403,000 | 3,092 |
| Average equity | $29,039,500 | 2,617 |
| Average total loans | $142,333,500 | 2,760 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 1,838 |
| Cost of funding earning assets | 0.8782% | 917 |
| Net interest margin | 3.4331% | 2,663 |
| Noninterest income to average assets | 0.1136% | 4,695 |
| Noninterest expense to average assets | 2.9739% | 1,496 |
| Loan and lease loss provision to assets | 0.1052% | 3,019 |
| Net operating income to assets | 0.2371% | 4,524 |
| Return on assets (ROA) | 0.3672% | 4,389 |
| Pretax return on assets | 0.4793% | 4,305 |
| Return on Equity (ROE) | 2.4362% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.4362% | 3,640 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6298% | 460 |
| Assets per employee ($millions) | 9.5668% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 4,569 |
| Loan loss allowance to noncurrent loans | 135.3723% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 2,414 |
| Noncurrent loans to loans | 0.5255% | 2,401 |
| Net loans and leases to total assets | 74.2547% | 990 |
| Net loans and leases to deposits | 100.3022% | 367 |
| Net loans and leases to core deposits | 138.0625% | 134 |
| Total domestic deposits to total assets | 74.0310% | 4,636 |
| Equity capital to assets | 15.1728% | 546 |
| Core capital (leverage) ratio | 15.1271% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,084,400 | 3,028 |
| Average earning assets | $181,613,600 | 2,986 |
| Average equity | $28,650,600 | 2,556 |
| Average total loans | $146,966,600 | 2,687 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 1,826 |
| Cost of funding earning assets | 0.9286% | 964 |
| Net interest margin | 3.4819% | 2,651 |
| Noninterest income to average assets | 0.1152% | 4,701 |
| Noninterest expense to average assets | 3.1729% | 1,116 |
| Loan and lease loss provision to assets | 0.1333% | 2,688 |
| Net operating income to assets | 0.1010% | 4,700 |
| Return on assets (ROA) | 0.2747% | 4,528 |
| Pretax return on assets | 0.3534% | 4,484 |
| Return on Equity (ROE) | 1.8256% | 4,580 |
| Retained earnings to average equity (ytd only) | 1.8256% | 3,993 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2386% | 304 |
| Assets per employee ($millions) | 9.0234% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 4,587 |
| Loan loss allowance to noncurrent loans | 124.1379% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,457 |
| Noncurrent loans to loans | 0.5577% | 2,399 |
| Net loans and leases to total assets | 76.3051% | 1,053 |
| Net loans and leases to deposits | 104.6320% | 368 |
| Net loans and leases to core deposits | 146.0983% | 133 |
| Total domestic deposits to total assets | 72.9271% | 4,640 |
| Equity capital to assets | 15.1732% | 599 |
| Core capital (leverage) ratio | 15.0260% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,771,500 | 3,015 |
| Average earning assets | $181,201,750 | 2,964 |
| Average equity | $28,555,500 | 2,556 |
| Average total loans | $147,934,750 | 2,687 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 1,813 |
| Cost of funding earning assets | 0.9926% | 1,006 |
| Net interest margin | 3.5440% | 2,656 |
| Noninterest income to average assets | 0.1169% | 4,712 |
| Noninterest expense to average assets | 2.7172% | 2,333 |
| Loan and lease loss provision to assets | 0.1685% | 2,319 |
| Net operating income to assets | 0.4642% | 4,100 |
| Return on assets (ROA) | 0.7246% | 3,410 |
| Pretax return on assets | 0.9489% | 3,181 |
| Return on Equity (ROE) | 4.8449% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.8449% | 2,547 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5240% | 1,099 |
| Assets per employee ($millions) | 9.2013% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 4,669 |
| Loan loss allowance to noncurrent loans | 119.5599% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 2,613 |
| Noncurrent loans to loans | 0.5436% | 2,544 |
| Net loans and leases to total assets | 77.3712% | 941 |
| Net loans and leases to deposits | 106.5960% | 308 |
| Net loans and leases to core deposits | 145.6467% | 129 |
| Total domestic deposits to total assets | 72.5835% | 4,680 |
| Equity capital to assets | 14.5699% | 715 |
| Core capital (leverage) ratio | 14.9866% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,899,000 | 2,988 |
| Average earning assets | $181,546,333 | 2,941 |
| Average equity | $28,401,000 | 2,559 |
| Average total loans | $148,713,000 | 2,667 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 1,183 |
| Cost of funding earning assets | 1.0750% | 1,119 |
| Net interest margin | 3.8292% | 1,881 |
| Noninterest income to average assets | 0.1339% | 4,701 |
| Noninterest expense to average assets | 2.9559% | 2,000 |
| Loan and lease loss provision to assets | 0.1806% | 1,653 |
| Net operating income to assets | 0.5045% | 3,881 |
| Return on assets (ROA) | 0.8436% | 2,828 |
| Pretax return on assets | 1.0901% | 2,556 |
| Return on Equity (ROE) | 5.5670% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.5670% | 2,045 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8400% | 1,357 |
| Assets per employee ($millions) | 9.1658% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 4,742 |
| Loan loss allowance to noncurrent loans | 109.0580% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 2,751 |
| Noncurrent loans to loans | 0.5570% | 2,606 |
| Net loans and leases to total assets | 76.7556% | 1,177 |
| Net loans and leases to deposits | 104.8210% | 337 |
| Net loans and leases to core deposits | 157.6364% | 87 |
| Total domestic deposits to total assets | 73.2254% | 4,710 |
| Equity capital to assets | 14.9329% | 772 |
| Core capital (leverage) ratio | 15.2855% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,235,000 | 2,970 |
| Average earning assets | $180,088,500 | 2,916 |
| Average equity | $28,525,000 | 2,538 |
| Average total loans | $147,829,500 | 2,659 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 3,184 |
| Cost of funding earning assets | 1.1034% | 1,312 |
| Net interest margin | 3.3183% | 3,946 |
| Noninterest income to average assets | 0.1450% | 4,755 |
| Noninterest expense to average assets | 2.5176% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6182% | 4,104 |
| Return on assets (ROA) | 0.6246% | 4,153 |
| Pretax return on assets | 0.7925% | 3,986 |
| Return on Equity (ROE) | 4.1423% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.1423% | 2,889 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2463% | 1,334 |
| Assets per employee ($millions) | 8.3631% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 4,809 |
| Loan loss allowance to noncurrent loans | 103.9390% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 2,682 |
| Noncurrent loans to loans | 0.5353% | 2,570 |
| Net loans and leases to total assets | 79.4602% | 861 |
| Net loans and leases to deposits | 105.9805% | 304 |
| Net loans and leases to core deposits | 162.8838% | 77 |
| Total domestic deposits to total assets | 74.9762% | 4,706 |
| Equity capital to assets | 15.3852% | 709 |
| Core capital (leverage) ratio | 14.9414% | 701 |
| Tier 1 risk-based capital ratio | 25.2481% | 733 |
| Total risk-based capital ratio | 25.9854% | 752 |
| Memoranda: | ||
| Average total assets | $183,468,200 | 2,973 |
| Average earning assets | $174,549,600 | 2,935 |
| Average equity | $27,665,600 | 2,515 |
| Average total loans | $139,040,600 | 2,735 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 3,239 |
| Cost of funding earning assets | 1.0832% | 1,413 |
| Net interest margin | 3.3567% | 3,968 |
| Noninterest income to average assets | 0.1476% | 4,808 |
| Noninterest expense to average assets | 2.5257% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6408% | 4,180 |
| Return on assets (ROA) | 0.6494% | 4,213 |
| Pretax return on assets | 0.8240% | 4,063 |
| Return on Equity (ROE) | 4.3288% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.3288% | 3,230 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6480% | 1,365 |
| Assets per employee ($millions) | 9.0402% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6051% | 4,811 |
| Loan loss allowance to noncurrent loans | 102.7638% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 2,831 |
| Noncurrent loans to loans | 0.5888% | 2,520 |
| Net loans and leases to total assets | 70.7820% | 2,358 |
| Net loans and leases to deposits | 96.5414% | 952 |
| Net loans and leases to core deposits | 147.3082% | 136 |
| Total domestic deposits to total assets | 73.3177% | 4,843 |
| Equity capital to assets | 14.8221% | 899 |
| Core capital (leverage) ratio | 14.7123% | 813 |
| Tier 1 risk-based capital ratio | 26.2900% | 688 |
| Total risk-based capital ratio | 27.0646% | 706 |
| Memoranda: | ||
| Average total assets | $183,338,000 | 3,009 |
| Average earning assets | $174,292,250 | 2,967 |
| Average equity | $27,505,250 | 2,538 |
| Average total loans | $137,046,750 | 2,777 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 3,115 |
| Cost of funding earning assets | 1.0548% | 1,474 |
| Net interest margin | 3.4132% | 3,852 |
| Noninterest income to average assets | 0.1501% | 4,829 |
| Noninterest expense to average assets | 2.5832% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6414% | 4,191 |
| Return on assets (ROA) | 0.6414% | 4,238 |
| Pretax return on assets | 0.8070% | 4,069 |
| Return on Equity (ROE) | 4.2573% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.2573% | 3,123 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1967% | 1,366 |
| Assets per employee ($millions) | 8.4175% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 4,897 |
| Loan loss allowance to noncurrent loans | 101.7413% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 2,780 |
| Noncurrent loans to loans | 0.5762% | 2,534 |
| Net loans and leases to total assets | 74.9051% | 1,741 |
| Net loans and leases to deposits | 103.5736% | 441 |
| Net loans and leases to core deposits | 174.3392% | 67 |
| Total domestic deposits to total assets | 72.3207% | 4,956 |
| Equity capital to assets | 14.9969% | 810 |
| Core capital (leverage) ratio | 15.1261% | 681 |
| Tier 1 risk-based capital ratio | 26.5931% | 652 |
| Total risk-based capital ratio | 27.3859% | 666 |
| Memoranda: | ||
| Average total assets | $181,169,000 | 3,041 |
| Average earning assets | $171,977,330 | 3,004 |
| Average equity | $27,294,000 | 2,547 |
| Average total loans | $137,664,330 | 2,788 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 3,041 |
| Cost of funding earning assets | 1.0207% | 1,476 |
| Net interest margin | 3.4320% | 3,804 |
| Noninterest income to average assets | 0.1295% | 4,957 |
| Noninterest expense to average assets | 2.5251% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6676% | 4,033 |
| Return on assets (ROA) | 0.6676% | 4,071 |
| Pretax return on assets | 0.8551% | 3,907 |
| Return on Equity (ROE) | 4.4206% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.4206% | 3,161 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7028% | 1,650 |
| Assets per employee ($millions) | 8.2166% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 4,949 |
| Loan loss allowance to noncurrent loans | 72.5821% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,208 |
| Noncurrent loans to loans | 0.8172% | 2,010 |
| Net loans and leases to total assets | 75.8417% | 1,516 |
| Net loans and leases to deposits | 105.4382% | 334 |
| Net loans and leases to core deposits | 178.7082% | 53 |
| Total domestic deposits to total assets | 71.9300% | 5,050 |
| Equity capital to assets | 15.1052% | 737 |
| Core capital (leverage) ratio | 15.2053% | 654 |
| Tier 1 risk-based capital ratio | 27.0019% | 617 |
| Total risk-based capital ratio | 27.8156% | 640 |
| Memoranda: | ||
| Average total assets | $179,161,000 | 3,098 |
| Average earning assets | $169,694,500 | 3,058 |
| Average equity | $27,055,000 | 2,567 |
| Average total loans | $136,731,000 | 2,830 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 2,724 |
| Cost of funding earning assets | 0.8595% | 1,265 |
| Net interest margin | 3.5518% | 3,541 |
| Noninterest income to average assets | 0.1460% | 4,981 |
| Noninterest expense to average assets | 2.6169% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7096% | 4,112 |
| Return on assets (ROA) | 0.7096% | 4,117 |
| Pretax return on assets | 0.8906% | 3,922 |
| Return on Equity (ROE) | 4.8833% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.8833% | 2,837 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6082% | 1,550 |
| Assets per employee ($millions) | 7.7198% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 4,963 |
| Loan loss allowance to noncurrent loans | 71.8805% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 2,120 |
| Noncurrent loans to loans | 0.8396% | 1,927 |
| Net loans and leases to total assets | 75.8803% | 1,637 |
| Net loans and leases to deposits | 107.8815% | 311 |
| Net loans and leases to core deposits | 181.3129% | 53 |
| Total domestic deposits to total assets | 70.3367% | 5,147 |
| Equity capital to assets | 15.0966% | 690 |
| Core capital (leverage) ratio | 14.8990% | 715 |
| Tier 1 risk-based capital ratio | 28.0979% | 555 |
| Total risk-based capital ratio | 28.9543% | 572 |
| Memoranda: | ||
| Average total assets | $180,097,400 | 3,054 |
| Average earning assets | $170,446,800 | 3,019 |
| Average equity | $26,170,800 | 2,559 |
| Average total loans | $137,739,400 | 2,794 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,706 |
| Cost of funding earning assets | 0.8118% | 1,281 |
| Net interest margin | 3.5637% | 3,479 |
| Noninterest income to average assets | 0.1431% | 5,058 |
| Noninterest expense to average assets | 2.6241% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7185% | 4,170 |
| Return on assets (ROA) | 0.7185% | 4,181 |
| Pretax return on assets | 0.8934% | 4,044 |
| Return on Equity (ROE) | 4.9924% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.9924% | 3,240 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6015% | 1,512 |
| Assets per employee ($millions) | 8.0260% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5839% | 5,070 |
| Loan loss allowance to noncurrent loans | 71.1923% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 2,317 |
| Noncurrent loans to loans | 0.8202% | 2,067 |
| Net loans and leases to total assets | 75.4427% | 1,741 |
| Net loans and leases to deposits | 108.3007% | 346 |
| Net loans and leases to core deposits | 173.6645% | 61 |
| Total domestic deposits to total assets | 69.6604% | 5,230 |
| Equity capital to assets | 14.2451% | 890 |
| Core capital (leverage) ratio | 14.9107% | 719 |
| Tier 1 risk-based capital ratio | 26.7232% | 633 |
| Total risk-based capital ratio | 27.5474% | 652 |
| Memoranda: | ||
| Average total assets | $180,732,750 | 3,065 |
| Average earning assets | $171,127,750 | 3,039 |
| Average equity | $26,012,250 | 2,581 |
| Average total loans | $138,287,250 | 2,812 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 2,508 |
| Cost of funding earning assets | 0.7791% | 1,225 |
| Net interest margin | 3.5917% | 3,356 |
| Noninterest income to average assets | 0.1471% | 5,090 |
| Noninterest expense to average assets | 2.6660% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7245% | 4,122 |
| Return on assets (ROA) | 0.7245% | 4,128 |
| Pretax return on assets | 0.8827% | 4,018 |
| Return on Equity (ROE) | 5.0159% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.0159% | 3,069 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1256% | 1,541 |
| Assets per employee ($millions) | 7.1073% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 5,127 |
| Loan loss allowance to noncurrent loans | 70.5781% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 2,275 |
| Noncurrent loans to loans | 0.8314% | 2,062 |
| Net loans and leases to total assets | 77.9944% | 1,316 |
| Net loans and leases to deposits | 111.8706% | 237 |
| Net loans and leases to core deposits | 164.7197% | 66 |
| Total domestic deposits to total assets | 69.7184% | 5,285 |
| Equity capital to assets | 14.7106% | 756 |
| Core capital (leverage) ratio | 14.5243% | 778 |
| Tier 1 risk-based capital ratio | 26.0454% | 671 |
| Total risk-based capital ratio | 26.8590% | 677 |
| Memoranda: | ||
| Average total assets | $179,444,670 | 3,102 |
| Average earning assets | $169,947,670 | 3,064 |
| Average equity | $25,917,670 | 2,598 |
| Average total loans | $137,688,670 | 2,821 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,603 |
| Cost of funding earning assets | 0.7209% | 1,335 |
| Net interest margin | 3.5576% | 3,319 |
| Noninterest income to average assets | 0.1109% | 5,287 |
| Noninterest expense to average assets | 2.6286% | 3,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6655% | 4,224 |
| Return on assets (ROA) | 0.6655% | 4,228 |
| Pretax return on assets | 0.8540% | 4,000 |
| Return on Equity (ROE) | 4.6498% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.6498% | 3,338 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4777% | 1,670 |
| Assets per employee ($millions) | 7.5807% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 5,194 |
| Loan loss allowance to noncurrent loans | 69.9743% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 2,391 |
| Noncurrent loans to loans | 0.8475% | 2,121 |
| Net loans and leases to total assets | 75.3684% | 1,642 |
| Net loans and leases to deposits | 108.5908% | 306 |
| Net loans and leases to core deposits | 150.9849% | 120 |
| Total domestic deposits to total assets | 69.4059% | 5,379 |
| Equity capital to assets | 14.2297% | 835 |
| Core capital (leverage) ratio | 14.4153% | 781 |
| Tier 1 risk-based capital ratio | 26.0745% | 680 |
| Total risk-based capital ratio | 26.9004% | 695 |
| Memoranda: | ||
| Average total assets | $180,326,000 | 3,126 |
| Average earning assets | $170,899,500 | 3,086 |
| Average equity | $25,807,500 | 2,632 |
| Average total loans | $136,833,000 | 2,853 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,081 |
| Cost of funding earning assets | 0.6604% | 1,244 |
| Net interest margin | 3.4334% | 3,739 |
| Noninterest income to average assets | 0.1484% | 5,209 |
| Noninterest expense to average assets | 2.5349% | 3,663 |
| Loan and lease loss provision to assets | 0.0233% | 3,831 |
| Net operating income to assets | 0.2591% | 5,005 |
| Return on assets (ROA) | 0.3537% | 4,842 |
| Pretax return on assets | 0.9904% | 3,614 |
| Return on Equity (ROE) | 2.4889% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.4889% | 3,838 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5401% | 1,822 |
| Assets per employee ($millions) | 7.1486% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6027% | 5,238 |
| Loan loss allowance to noncurrent loans | 69.2633% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 2,339 |
| Noncurrent loans to loans | 0.8701% | 2,048 |
| Net loans and leases to total assets | 75.4872% | 1,683 |
| Net loans and leases to deposits | 110.0428% | 268 |
| Net loans and leases to core deposits | 151.1292% | 128 |
| Total domestic deposits to total assets | 68.5980% | 5,452 |
| Equity capital to assets | 14.3950% | 809 |
| Core capital (leverage) ratio | 14.2718% | 781 |
| Tier 1 risk-based capital ratio | 25.2490% | 707 |
| Total risk-based capital ratio | 26.0571% | 722 |
| Memoranda: | ||
| Average total assets | $180,637,800 | 3,106 |
| Average earning assets | $171,113,200 | 3,055 |
| Average equity | $25,673,800 | 2,631 |
| Average total loans | $132,551,200 | 2,883 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 3,060 |
| Cost of funding earning assets | 0.6466% | 1,262 |
| Net interest margin | 3.4318% | 3,731 |
| Noninterest income to average assets | 0.1539% | 5,248 |
| Noninterest expense to average assets | 2.5191% | 3,667 |
| Loan and lease loss provision to assets | 0.0309% | 3,500 |
| Net operating income to assets | 0.5907% | 4,421 |
| Return on assets (ROA) | 0.6979% | 4,063 |
| Pretax return on assets | 1.0100% | 3,648 |
| Return on Equity (ROE) | 4.9257% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.9257% | 2,938 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9892% | 1,892 |
| Assets per employee ($millions) | 7.1672% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 5,291 |
| Loan loss allowance to noncurrent loans | 55.1957% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,085 |
| Noncurrent loans to loans | 1.1189% | 1,719 |
| Net loans and leases to total assets | 73.4617% | 2,010 |
| Net loans and leases to deposits | 112.0715% | 215 |
| Net loans and leases to core deposits | 141.0154% | 192 |
| Total domestic deposits to total assets | 65.5490% | 5,598 |
| Equity capital to assets | 14.5715% | 836 |
| Core capital (leverage) ratio | 14.4517% | 780 |
| Tier 1 risk-based capital ratio | 26.5817% | 641 |
| Total risk-based capital ratio | 27.4249% | 651 |
| Memoranda: | ||
| Average total assets | $181,118,500 | 3,126 |
| Average earning assets | $171,567,500 | 3,079 |
| Average equity | $25,660,750 | 2,652 |
| Average total loans | $131,757,750 | 2,917 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,270 |
| Cost of funding earning assets | 0.6278% | 1,288 |
| Net interest margin | 3.3546% | 3,935 |
| Noninterest income to average assets | 0.1705% | 5,198 |
| Noninterest expense to average assets | 2.5197% | 3,689 |
| Loan and lease loss provision to assets | 0.0407% | 3,191 |
| Net operating income to assets | 0.5505% | 4,520 |
| Return on assets (ROA) | 0.7130% | 3,852 |
| Pretax return on assets | 1.0233% | 3,468 |
| Return on Equity (ROE) | 5.0801% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.0801% | 2,659 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1806% | 1,830 |
| Assets per employee ($millions) | 7.3506% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6148% | 5,352 |
| Loan loss allowance to noncurrent loans | 53.4868% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,144 |
| Noncurrent loans to loans | 1.1494% | 1,703 |
| Net loans and leases to total assets | 71.5230% | 2,275 |
| Net loans and leases to deposits | 102.9160% | 554 |
| Net loans and leases to core deposits | 127.7147% | 350 |
| Total domestic deposits to total assets | 69.4965% | 5,553 |
| Equity capital to assets | 14.0450% | 950 |
| Core capital (leverage) ratio | 13.9818% | 870 |
| Tier 1 risk-based capital ratio | 26.2239% | 658 |
| Total risk-based capital ratio | 27.0611% | 671 |
| Memoranda: | ||
| Average total assets | $181,765,000 | 3,136 |
| Average earning assets | $172,361,000 | 3,082 |
| Average equity | $25,511,330 | 2,667 |
| Average total loans | $131,528,330 | 2,921 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,320 |
| Cost of funding earning assets | 0.6395% | 1,134 |
| Net interest margin | 3.2815% | 4,078 |
| Noninterest income to average assets | 0.1151% | 5,531 |
| Noninterest expense to average assets | 2.5116% | 3,776 |
| Loan and lease loss provision to assets | 0.0487% | 2,837 |
| Net operating income to assets | 0.4700% | 4,706 |
| Return on assets (ROA) | 0.6218% | 4,102 |
| Pretax return on assets | 0.8829% | 3,826 |
| Return on Equity (ROE) | 4.4318% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.4318% | 3,212 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8464% | 1,651 |
| Assets per employee ($millions) | 7.8274% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 5,473 |
| Loan loss allowance to noncurrent loans | 50.6989% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 2,116 |
| Noncurrent loans to loans | 1.1883% | 1,700 |
| Net loans and leases to total assets | 73.1324% | 1,886 |
| Net loans and leases to deposits | 105.0766% | 357 |
| Net loans and leases to core deposits | 125.1697% | 340 |
| Total domestic deposits to total assets | 69.5991% | 5,642 |
| Equity capital to assets | 14.1614% | 858 |
| Core capital (leverage) ratio | 13.9762% | 850 |
| Tier 1 risk-based capital ratio | 25.7174% | 708 |
| Total risk-based capital ratio | 26.5357% | 733 |
| Memoranda: | ||
| Average total assets | $180,764,500 | 3,180 |
| Average earning assets | $171,384,500 | 3,114 |
| Average equity | $25,362,000 | 2,688 |
| Average total loans | $131,168,500 | 2,942 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,715 |
| Cost of funding earning assets | 0.6654% | 979 |
| Net interest margin | 3.1937% | 4,471 |
| Noninterest income to average assets | 0.1299% | 5,535 |
| Noninterest expense to average assets | 2.4765% | 4,087 |
| Loan and lease loss provision to assets | -0.0420% | 5,566 |
| Net operating income to assets | 0.5251% | 4,529 |
| Return on assets (ROA) | 0.5638% | 4,472 |
| Pretax return on assets | 0.7805% | 4,238 |
| Return on Equity (ROE) | 4.0302% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.0302% | 3,046 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3386% | 1,648 |
| Assets per employee ($millions) | 7.8912% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 5,538 |
| Loan loss allowance to noncurrent loans | 35.7110% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 1,508 |
| Noncurrent loans to loans | 1.6731% | 1,153 |
| Net loans and leases to total assets | 71.1314% | 2,316 |
| Net loans and leases to deposits | 103.0746% | 462 |
| Net loans and leases to core deposits | 122.7672% | 409 |
| Total domestic deposits to total assets | 69.0096% | 5,692 |
| Equity capital to assets | 13.9004% | 920 |
| Core capital (leverage) ratio | 13.4576% | 988 |
| Tier 1 risk-based capital ratio | 26.4020% | 664 |
| Total risk-based capital ratio | 27.2289% | 683 |
| Memoranda: | ||
| Average total assets | $178,598,800 | 3,181 |
| Average earning assets | $169,522,400 | 3,119 |
| Average equity | $24,986,600 | 2,724 |
| Average total loans | $127,351,400 | 2,957 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 3,792 |
| Cost of funding earning assets | 0.6594% | 1,009 |
| Net interest margin | 3.1819% | 4,533 |
| Noninterest income to average assets | 0.1297% | 5,602 |
| Noninterest expense to average assets | 2.5201% | 3,924 |
| Loan and lease loss provision to assets | -0.0712% | 5,752 |
| Net operating income to assets | 0.5051% | 4,679 |
| Return on assets (ROA) | 0.5569% | 4,575 |
| Pretax return on assets | 0.7728% | 4,398 |
| Return on Equity (ROE) | 3.9743% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.9743% | 3,480 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0095% | 1,437 |
| Assets per employee ($millions) | 7.0523% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5845% | 5,630 |
| Loan loss allowance to noncurrent loans | 29.8107% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3831% | 1,352 |
| Noncurrent loans to loans | 1.9607% | 1,013 |
| Net loans and leases to total assets | 70.1280% | 2,470 |
| Net loans and leases to deposits | 103.5614% | 481 |
| Net loans and leases to core deposits | 130.0583% | 300 |
| Total domestic deposits to total assets | 67.7163% | 5,773 |
| Equity capital to assets | 13.8073% | 1,115 |
| Core capital (leverage) ratio | 13.6849% | 947 |
| Tier 1 risk-based capital ratio | 26.0853% | 708 |
| Total risk-based capital ratio | 26.8905% | 732 |
| Memoranda: | ||
| Average total assets | $177,874,000 | 3,201 |
| Average earning assets | $168,824,250 | 3,140 |
| Average equity | $24,926,000 | 2,748 |
| Average total loans | $126,719,750 | 2,978 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,625 |
| Cost of funding earning assets | 0.6565% | 1,020 |
| Net interest margin | 3.2393% | 4,411 |
| Noninterest income to average assets | 0.1318% | 5,658 |
| Noninterest expense to average assets | 2.6266% | 3,625 |
| Loan and lease loss provision to assets | -0.1136% | 5,890 |
| Net operating income to assets | 0.4986% | 4,686 |
| Return on assets (ROA) | 0.5771% | 4,488 |
| Pretax return on assets | 0.7998% | 4,277 |
| Return on Equity (ROE) | 4.0975% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.0975% | 3,294 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9858% | 1,273 |
| Assets per employee ($millions) | 6.8601% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 5,688 |
| Loan loss allowance to noncurrent loans | 56.4237% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 2,737 |
| Noncurrent loans to loans | 1.0572% | 2,175 |
| Net loans and leases to total assets | 70.1646% | 2,454 |
| Net loans and leases to deposits | 104.8677% | 416 |
| Net loans and leases to core deposits | 139.6340% | 188 |
| Total domestic deposits to total assets | 66.9077% | 5,868 |
| Equity capital to assets | 14.1157% | 982 |
| Core capital (leverage) ratio | 13.9230% | 844 |
| Tier 1 risk-based capital ratio | 26.3814% | 703 |
| Total risk-based capital ratio | 27.1987% | 707 |
| Memoranda: | ||
| Average total assets | $176,045,670 | 3,243 |
| Average earning assets | $166,949,330 | 3,183 |
| Average equity | $24,795,670 | 2,762 |
| Average total loans | $125,845,670 | 3,003 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,324 |
| Cost of funding earning assets | 0.6620% | 984 |
| Net interest margin | 3.3099% | 4,188 |
| Noninterest income to average assets | 0.1372% | 5,663 |
| Noninterest expense to average assets | 2.5822% | 3,806 |
| Loan and lease loss provision to assets | -0.0457% | 5,941 |
| Net operating income to assets | 0.5261% | 4,520 |
| Return on assets (ROA) | 0.6084% | 4,264 |
| Pretax return on assets | 0.8485% | 4,039 |
| Return on Equity (ROE) | 4.3243% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.3243% | 3,320 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9510% | 1,760 |
| Assets per employee ($millions) | 7.3562% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 5,641 |
| Loan loss allowance to noncurrent loans | 68.6777% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 3,001 |
| Noncurrent loans to loans | 0.9819% | 2,421 |
| Net loans and leases to total assets | 69.3281% | 2,452 |
| Net loans and leases to deposits | 103.7667% | 423 |
| Net loans and leases to core deposits | 142.1877% | 152 |
| Total domestic deposits to total assets | 66.8115% | 5,956 |
| Equity capital to assets | 14.0539% | 960 |
| Core capital (leverage) ratio | 13.9330% | 829 |
| Tier 1 risk-based capital ratio | 26.9662% | 679 |
| Total risk-based capital ratio | 27.9007% | 684 |
| Memoranda: | ||
| Average total assets | $174,887,500 | 3,267 |
| Average earning assets | $165,561,500 | 3,210 |
| Average equity | $24,605,000 | 2,781 |
| Average total loans | $125,819,500 | 2,997 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,241 |
| Cost of funding earning assets | 0.6658% | 986 |
| Net interest margin | 3.3537% | 4,098 |
| Noninterest income to average assets | 0.1409% | 5,706 |
| Noninterest expense to average assets | 2.4201% | 4,467 |
| Loan and lease loss provision to assets | 0.0687% | 2,921 |
| Net operating income to assets | 0.5813% | 4,377 |
| Return on assets (ROA) | 0.6219% | 4,268 |
| Pretax return on assets | 0.8796% | 3,922 |
| Return on Equity (ROE) | 4.5445% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.5445% | 2,750 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0889% | 2,727 |
| Assets per employee ($millions) | 6.9290% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 5,702 |
| Loan loss allowance to noncurrent loans | 43.8660% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 1,958 |
| Noncurrent loans to loans | 1.5108% | 1,539 |
| Net loans and leases to total assets | 73.6373% | 1,787 |
| Net loans and leases to deposits | 108.8202% | 274 |
| Net loans and leases to core deposits | 149.4120% | 113 |
| Total domestic deposits to total assets | 67.6688% | 5,981 |
| Equity capital to assets | 14.0845% | 904 |
| Core capital (leverage) ratio | 13.7660% | 890 |
| Tier 1 risk-based capital ratio | 26.1606% | 733 |
| Total risk-based capital ratio | 27.1001% | 732 |
| Memoranda: | ||
| Average total assets | $174,621,400 | 3,236 |
| Average earning assets | $165,069,200 | 3,190 |
| Average equity | $23,896,800 | 2,796 |
| Average total loans | $126,062,800 | 2,951 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 3,304 |
| Cost of funding earning assets | 0.6718% | 975 |
| Net interest margin | 3.3365% | 4,195 |
| Noninterest income to average assets | 0.1372% | 5,800 |
| Noninterest expense to average assets | 2.4110% | 4,480 |
| Loan and lease loss provision to assets | 0.0686% | 2,804 |
| Net operating income to assets | 0.5716% | 4,518 |
| Return on assets (ROA) | 0.6111% | 4,435 |
| Pretax return on assets | 0.8657% | 4,113 |
| Return on Equity (ROE) | 4.4983% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.4983% | 3,267 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2916% | 2,671 |
| Assets per employee ($millions) | 8.3014% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 5,808 |
| Loan loss allowance to noncurrent loans | 46.7806% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 2,349 |
| Noncurrent loans to loans | 1.4056% | 1,807 |
| Net loans and leases to total assets | 71.1494% | 2,205 |
| Net loans and leases to deposits | 104.9082% | 410 |
| Net loans and leases to core deposits | 122.5596% | 408 |
| Total domestic deposits to total assets | 67.8206% | 6,044 |
| Equity capital to assets | 13.8801% | 1,072 |
| Core capital (leverage) ratio | 13.2455% | 1,114 |
| Tier 1 risk-based capital ratio | 26.1006% | 753 |
| Total risk-based capital ratio | 27.0333% | 777 |
| Memoranda: | ||
| Average total assets | $174,970,250 | 3,259 |
| Average earning assets | $165,320,250 | 3,209 |
| Average equity | $23,771,500 | 2,827 |
| Average total loans | $125,476,000 | 2,984 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,171 |
| Cost of funding earning assets | 0.6881% | 895 |
| Net interest margin | 3.3401% | 4,140 |
| Noninterest income to average assets | 0.1416% | 5,858 |
| Noninterest expense to average assets | 2.4112% | 4,511 |
| Loan and lease loss provision to assets | 0.0685% | 2,745 |
| Net operating income to assets | 0.5730% | 4,457 |
| Return on assets (ROA) | 0.6313% | 4,324 |
| Pretax return on assets | 0.8985% | 3,963 |
| Return on Equity (ROE) | 4.6806% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.6806% | 3,063 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1809% | 2,803 |
| Assets per employee ($millions) | 6.7432% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 5,957 |
| Loan loss allowance to noncurrent loans | 50.3181% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 2,745 |
| Noncurrent loans to loans | 1.2115% | 2,228 |
| Net loans and leases to total assets | 73.5598% | 1,734 |
| Net loans and leases to deposits | 111.0702% | 237 |
| Net loans and leases to core deposits | 130.1393% | 271 |
| Total domestic deposits to total assets | 66.2282% | 6,163 |
| Equity capital to assets | 13.5657% | 1,147 |
| Core capital (leverage) ratio | 13.3048% | 1,049 |
| Tier 1 risk-based capital ratio | 25.8004% | 794 |
| Total risk-based capital ratio | 26.6828% | 810 |
| Memoranda: | ||
| Average total assets | $175,184,000 | 3,279 |
| Average earning assets | $165,382,330 | 3,231 |
| Average equity | $23,629,670 | 2,849 |
| Average total loans | $125,683,000 | 2,987 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 3,595 |
| Cost of funding earning assets | 0.6907% | 890 |
| Net interest margin | 3.2119% | 4,563 |
| Noninterest income to average assets | 0.1439% | 5,885 |
| Noninterest expense to average assets | 2.4327% | 4,503 |
| Loan and lease loss provision to assets | 0.0685% | 2,573 |
| Net operating income to assets | 0.5117% | 4,620 |
| Return on assets (ROA) | 0.5117% | 4,743 |
| Pretax return on assets | 0.6807% | 4,651 |
| Return on Equity (ROE) | 3.8043% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.8043% | 3,725 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4537% | 2,436 |
| Assets per employee ($millions) | 6.5253% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 6,053 |
| Loan loss allowance to noncurrent loans | 30.9601% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 1,901 |
| Noncurrent loans to loans | 1.9708% | 1,331 |
| Net loans and leases to total assets | 70.3587% | 2,086 |
| Net loans and leases to deposits | 107.8729% | 262 |
| Net loans and leases to core deposits | 139.7378% | 156 |
| Total domestic deposits to total assets | 65.2237% | 6,254 |
| Equity capital to assets | 13.4457% | 1,194 |
| Core capital (leverage) ratio | 13.1911% | 1,092 |
| Tier 1 risk-based capital ratio | 25.3122% | 853 |
| Total risk-based capital ratio | 26.1510% | 879 |
| Memoranda: | ||
| Average total assets | $175,114,000 | 3,299 |
| Average earning assets | $165,635,500 | 3,244 |
| Average equity | $23,552,500 | 2,877 |
| Average total loans | $123,645,000 | 3,024 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,754 |
| Cost of funding earning assets | 0.7110% | 1,045 |
| Net interest margin | 3.2824% | 4,646 |
| Noninterest income to average assets | 0.1453% | 5,967 |
| Noninterest expense to average assets | 2.3669% | 4,929 |
| Loan and lease loss provision to assets | 0.0232% | 4,143 |
| Net operating income to assets | 0.6217% | 4,265 |
| Return on assets (ROA) | 0.6639% | 4,167 |
| Pretax return on assets | 0.9105% | 3,869 |
| Return on Equity (ROE) | 5.1000% | 4,611 |
| Retained earnings to average equity (ytd only) | 5.1000% | 2,527 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9918% | 3,034 |
| Assets per employee ($millions) | 6.4461% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 6,147 |
| Loan loss allowance to noncurrent loans | 31.2126% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 2,083 |
| Noncurrent loans to loans | 1.9108% | 1,475 |
| Net loans and leases to total assets | 70.0037% | 2,239 |
| Net loans and leases to deposits | 106.4394% | 343 |
| Net loans and leases to core deposits | 138.0210% | 178 |
| Total domestic deposits to total assets | 65.7686% | 6,331 |
| Equity capital to assets | 13.4540% | 1,179 |
| Core capital (leverage) ratio | 13.1575% | 1,081 |
| Tier 1 risk-based capital ratio | 26.1517% | 751 |
| Total risk-based capital ratio | 26.9865% | 768 |
| Memoranda: | ||
| Average total assets | $172,754,600 | 3,294 |
| Average earning assets | $163,019,600 | 3,239 |
| Average equity | $22,490,000 | 2,904 |
| Average total loans | $117,139,200 | 3,096 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 3,949 |
| Cost of funding earning assets | 0.7168% | 1,065 |
| Net interest margin | 3.2369% | 4,831 |
| Noninterest income to average assets | 0.1438% | 6,055 |
| Noninterest expense to average assets | 2.3607% | 4,942 |
| Loan and lease loss provision to assets | 0.0077% | 4,263 |
| Net operating income to assets | 0.6085% | 4,407 |
| Return on assets (ROA) | 0.6650% | 4,229 |
| Pretax return on assets | 0.9078% | 3,951 |
| Return on Equity (ROE) | 5.1515% | 4,652 |
| Retained earnings to average equity (ytd only) | 5.1515% | 2,987 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7974% | 2,851 |
| Assets per employee ($millions) | 6.6658% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 6,259 |
| Loan loss allowance to noncurrent loans | 26.4528% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 2,013 |
| Noncurrent loans to loans | 2.1632% | 1,418 |
| Net loans and leases to total assets | 70.2779% | 2,151 |
| Net loans and leases to deposits | 108.4759% | 253 |
| Net loans and leases to core deposits | 133.7536% | 195 |
| Total domestic deposits to total assets | 64.7866% | 6,424 |
| Equity capital to assets | 13.2651% | 1,291 |
| Core capital (leverage) ratio | 12.9758% | 1,187 |
| Tier 1 risk-based capital ratio | 25.5257% | 830 |
| Total risk-based capital ratio | 26.3220% | 862 |
| Memoranda: | ||
| Average total assets | $172,432,000 | 3,332 |
| Average earning assets | $162,745,500 | 3,274 |
| Average equity | $22,258,500 | 2,926 |
| Average total loans | $115,781,750 | 3,135 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 4,110 |
| Cost of funding earning assets | 0.7227% | 1,067 |
| Net interest margin | 3.1849% | 4,991 |
| Noninterest income to average assets | 0.1522% | 6,041 |
| Noninterest expense to average assets | 2.3667% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5920% | 4,393 |
| Return on assets (ROA) | 0.6460% | 4,223 |
| Pretax return on assets | 0.8633% | 4,025 |
| Return on Equity (ROE) | 5.0512% | 4,646 |
| Retained earnings to average equity (ytd only) | 5.0512% | 2,929 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9448% | 2,816 |
| Assets per employee ($millions) | 6.4223% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 6,338 |
| Loan loss allowance to noncurrent loans | 26.9606% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 2,211 |
| Noncurrent loans to loans | 2.1469% | 1,548 |
| Net loans and leases to total assets | 68.4483% | 2,336 |
| Net loans and leases to deposits | 104.3163% | 350 |
| Net loans and leases to core deposits | 127.7335% | 251 |
| Total domestic deposits to total assets | 65.6161% | 6,486 |
| Equity capital to assets | 13.0622% | 1,343 |
| Core capital (leverage) ratio | 12.6818% | 1,294 |
| Tier 1 risk-based capital ratio | 25.6760% | 806 |
| Total risk-based capital ratio | 26.4845% | 831 |
| Memoranda: | ||
| Average total assets | $172,138,670 | 3,352 |
| Average earning assets | $162,455,000 | 3,290 |
| Average equity | $22,014,670 | 2,947 |
| Average total loans | $113,542,000 | 3,182 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,254 |
| Cost of funding earning assets | 0.7323% | 1,061 |
| Net interest margin | 3.1263% | 5,155 |
| Noninterest income to average assets | 0.1469% | 6,091 |
| Noninterest expense to average assets | 2.3066% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5411% | 4,497 |
| Return on assets (ROA) | 0.5411% | 4,570 |
| Pretax return on assets | 0.7976% | 4,126 |
| Return on Equity (ROE) | 4.2771% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.2771% | 3,557 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3050% | 3,081 |
| Assets per employee ($millions) | 7.1744% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 6,384 |
| Loan loss allowance to noncurrent loans | 41.6014% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 3,324 |
| Noncurrent loans to loans | 1.4841% | 2,561 |
| Net loans and leases to total assets | 64.5997% | 2,793 |
| Net loans and leases to deposits | 98.1107% | 536 |
| Net loans and leases to core deposits | 126.3185% | 225 |
| Total domestic deposits to total assets | 65.8437% | 6,560 |
| Equity capital to assets | 12.7915% | 1,403 |
| Core capital (leverage) ratio | 12.4806% | 1,394 |
| Tier 1 risk-based capital ratio | 27.1894% | 700 |
| Total risk-based capital ratio | 28.0666% | 712 |
| Memoranda: | ||
| Average total assets | $171,507,500 | 3,384 |
| Average earning assets | $162,234,000 | 3,319 |
| Average equity | $21,697,000 | 2,973 |
| Average total loans | $110,622,500 | 3,251 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,966 |
| Cost of funding earning assets | 0.8327% | 1,030 |
| Net interest margin | 3.2018% | 4,997 |
| Noninterest income to average assets | 0.2845% | 5,321 |
| Noninterest expense to average assets | 2.0347% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8710% | 2,922 |
| Return on assets (ROA) | 0.8710% | 3,009 |
| Pretax return on assets | 1.2802% | 2,232 |
| Return on Equity (ROE) | 7.0716% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.0716% | 1,410 |
| Net charge-offs to loans | 0.0045% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 441.8000% | 92 |
| Efficiency ratio | 61.3811% | 5,307 |
| Assets per employee ($millions) | 6.5704% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6321% | 6,443 |
| Loan loss allowance to noncurrent loans | 47.2964% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 3,748 |
| Noncurrent loans to loans | 1.3364% | 2,903 |
| Net loans and leases to total assets | 63.5907% | 3,116 |
| Net loans and leases to deposits | 97.2673% | 644 |
| Net loans and leases to core deposits | 124.8486% | 251 |
| Total domestic deposits to total assets | 65.3773% | 6,642 |
| Equity capital to assets | 12.5089% | 1,506 |
| Core capital (leverage) ratio | 12.2984% | 1,449 |
| Tier 1 risk-based capital ratio | 25.8943% | 779 |
| Total risk-based capital ratio | 26.7502% | 799 |
| Memoranda: | ||
| Average total assets | $172,553,200 | 3,374 |
| Average earning assets | $163,314,600 | 3,297 |
| Average equity | $21,254,000 | 3,006 |
| Average total loans | $111,679,400 | 3,216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 4,003 |
| Cost of funding earning assets | 0.8488% | 1,053 |
| Net interest margin | 3.1836% | 5,046 |
| Noninterest income to average assets | 0.3229% | 5,100 |
| Noninterest expense to average assets | 1.9516% | 6,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9465% | 2,612 |
| Return on assets (ROA) | 0.9465% | 2,718 |
| Pretax return on assets | 1.3835% | 1,985 |
| Return on Equity (ROE) | 7.7139% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.7139% | 1,543 |
| Net charge-offs to loans | 0.0059% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 358.8111% | 164 |
| Efficiency ratio | 58.5163% | 5,625 |
| Assets per employee ($millions) | 7.3069% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 6,559 |
| Loan loss allowance to noncurrent loans | 42.9994% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 3,843 |
| Noncurrent loans to loans | 1.4009% | 3,068 |
| Net loans and leases to total assets | 65.0210% | 2,795 |
| Net loans and leases to deposits | 97.9806% | 572 |
| Net loans and leases to core deposits | 126.7919% | 229 |
| Total domestic deposits to total assets | 66.3610% | 6,699 |
| Equity capital to assets | 12.1170% | 1,851 |
| Core capital (leverage) ratio | 11.8732% | 1,753 |
| Tier 1 risk-based capital ratio | 24.6139% | 922 |
| Total risk-based capital ratio | 25.4342% | 954 |
| Memoranda: | ||
| Average total assets | $172,984,000 | 3,391 |
| Average earning assets | $163,669,250 | 3,324 |
| Average equity | $21,225,250 | 3,053 |
| Average total loans | $112,268,500 | 3,224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 3,786 |
| Cost of funding earning assets | 0.8653% | 1,062 |
| Net interest margin | 3.2229% | 4,860 |
| Noninterest income to average assets | 0.4019% | 4,514 |
| Noninterest expense to average assets | 1.8212% | 6,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1209% | 1,860 |
| Return on assets (ROA) | 1.1209% | 1,975 |
| Pretax return on assets | 1.6261% | 1,289 |
| Return on Equity (ROE) | 9.0963% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.0963% | 1,084 |
| Net charge-offs to loans | 0.0108% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 233.3333% | 223 |
| Efficiency ratio | 52.8302% | 6,231 |
| Assets per employee ($millions) | 7.1588% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 6,566 |
| Loan loss allowance to noncurrent loans | 55.2442% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 4,404 |
| Noncurrent loans to loans | 1.1616% | 3,617 |
| Net loans and leases to total assets | 62.1805% | 3,259 |
| Net loans and leases to deposits | 92.5338% | 914 |
| Net loans and leases to core deposits | 120.5776% | 307 |
| Total domestic deposits to total assets | 67.1977% | 6,735 |
| Equity capital to assets | 12.3188% | 1,694 |
| Core capital (leverage) ratio | 12.0279% | 1,601 |
| Tier 1 risk-based capital ratio | 25.4767% | 823 |
| Total risk-based capital ratio | 26.3304% | 850 |
| Memoranda: | ||
| Average total assets | $172,190,330 | 3,429 |
| Average earning assets | $162,712,000 | 3,351 |
| Average equity | $21,217,330 | 3,072 |
| Average total loans | $111,453,000 | 3,238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,569 |
| Cost of funding earning assets | 0.8809% | 1,077 |
| Net interest margin | 3.2555% | 4,707 |
| Noninterest income to average assets | 0.5848% | 3,219 |
| Noninterest expense to average assets | 1.4387% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5269% | 809 |
| Return on assets (ROA) | 1.5269% | 883 |
| Pretax return on assets | 2.2160% | 403 |
| Return on Equity (ROE) | 12.3897% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.3897% | 648 |
| Net charge-offs to loans | 0.0106% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 318.3333% | 121 |
| Efficiency ratio | 39.3651% | 6,884 |
| Assets per employee ($millions) | 7.1924% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6228% | 6,676 |
| Loan loss allowance to noncurrent loans | 51.2195% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 4,414 |
| Noncurrent loans to loans | 1.2159% | 3,741 |
| Net loans and leases to total assets | 64.0638% | 2,699 |
| Net loans and leases to deposits | 96.6525% | 507 |
| Net loans and leases to core deposits | 124.8025% | 218 |
| Total domestic deposits to total assets | 66.2826% | 6,842 |
| Equity capital to assets | 12.4629% | 1,735 |
| Core capital (leverage) ratio | 11.8468% | 1,658 |
| Tier 1 risk-based capital ratio | 24.3546% | 975 |
| Total risk-based capital ratio | 25.1825% | 1,007 |
| Memoranda: | ||
| Average total assets | $172,380,000 | 3,463 |
| Average earning assets | $162,556,500 | 3,393 |
| Average equity | $21,243,500 | 3,104 |
| Average total loans | $113,418,000 | 3,222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 2,513 |
| Cost of funding earning assets | 1.0464% | 1,137 |
| Net interest margin | 3.6750% | 3,767 |
| Noninterest income to average assets | 0.2147% | 5,891 |
| Noninterest expense to average assets | 2.4625% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7611% | 3,460 |
| Return on assets (ROA) | 0.7768% | 3,639 |
| Pretax return on assets | 1.2147% | 2,750 |
| Return on Equity (ROE) | 6.7469% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.7469% | 1,695 |
| Net charge-offs to loans | 0.0484% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 37.3214% | 853 |
| Efficiency ratio | 67.4150% | 4,247 |
| Assets per employee ($millions) | 6.6209% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 6,753 |
| Loan loss allowance to noncurrent loans | 54.7170% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 4,625 |
| Noncurrent loans to loans | 1.1007% | 4,002 |
| Net loans and leases to total assets | 66.7248% | 2,418 |
| Net loans and leases to deposits | 104.0916% | 263 |
| Net loans and leases to core deposits | 137.2552% | 141 |
| Total domestic deposits to total assets | 64.1019% | 6,931 |
| Equity capital to assets | 12.1841% | 1,922 |
| Core capital (leverage) ratio | 11.5368% | 1,853 |
| Tier 1 risk-based capital ratio | 22.2022% | 1,230 |
| Total risk-based capital ratio | 22.9823% | 1,293 |
| Memoranda: | ||
| Average total assets | $175,593,400 | 3,369 |
| Average earning assets | $164,274,200 | 3,316 |
| Average equity | $20,216,800 | 3,179 |
| Average total loans | $115,766,400 | 3,168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 3,222 |
| Cost of funding earning assets | 1.0719% | 1,190 |
| Net interest margin | 3.5233% | 4,551 |
| Noninterest income to average assets | 0.2297% | 5,903 |
| Noninterest expense to average assets | 2.4459% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6980% | 3,927 |
| Return on assets (ROA) | 0.7004% | 4,159 |
| Pretax return on assets | 1.0835% | 3,410 |
| Return on Equity (ROE) | 6.1714% | 4,250 |
| Retained earnings to average equity (ytd only) | 6.1714% | 2,586 |
| Net charge-offs to loans | 0.0645% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 25.5196% | 1,247 |
| Efficiency ratio | 69.3742% | 3,803 |
| Assets per employee ($millions) | 7.6084% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6189% | 6,840 |
| Loan loss allowance to noncurrent loans | 44.2748% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 4,489 |
| Noncurrent loans to loans | 1.3980% | 3,704 |
| Net loans and leases to total assets | 63.8620% | 3,045 |
| Net loans and leases to deposits | 97.9233% | 552 |
| Net loans and leases to core deposits | 115.3363% | 399 |
| Total domestic deposits to total assets | 65.2163% | 6,995 |
| Equity capital to assets | 11.8022% | 2,433 |
| Core capital (leverage) ratio | 11.1373% | 2,264 |
| Tier 1 risk-based capital ratio | 21.4830% | 1,425 |
| Total risk-based capital ratio | 22.2518% | 1,489 |
| Memoranda: | ||
| Average total assets | $176,456,000 | 3,403 |
| Average earning assets | $165,066,250 | 3,338 |
| Average equity | $20,027,500 | 3,234 |
| Average total loans | $115,818,500 | 3,207 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 2,978 |
| Cost of funding earning assets | 1.1069% | 1,190 |
| Net interest margin | 3.5784% | 4,352 |
| Noninterest income to average assets | 0.2419% | 5,845 |
| Noninterest expense to average assets | 2.5341% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6850% | 3,949 |
| Return on assets (ROA) | 0.6850% | 4,207 |
| Pretax return on assets | 1.0512% | 3,511 |
| Return on Equity (ROE) | 6.1153% | 4,267 |
| Retained earnings to average equity (ytd only) | 6.1153% | 2,643 |
| Net charge-offs to loans | 0.0958% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.6071% | 1,584 |
| Efficiency ratio | 70.6810% | 3,658 |
| Assets per employee ($millions) | 7.6960% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6217% | 6,909 |
| Loan loss allowance to noncurrent loans | 50.8400% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 4,860 |
| Noncurrent loans to loans | 1.2229% | 4,098 |
| Net loans and leases to total assets | 62.8531% | 3,262 |
| Net loans and leases to deposits | 98.6662% | 488 |
| Net loans and leases to core deposits | 115.5140% | 408 |
| Total domestic deposits to total assets | 63.7028% | 7,092 |
| Equity capital to assets | 11.4294% | 2,659 |
| Core capital (leverage) ratio | 10.7942% | 2,487 |
| Tier 1 risk-based capital ratio | 21.4981% | 1,387 |
| Total risk-based capital ratio | 22.2831% | 1,451 |
| Memoranda: | ||
| Average total assets | $176,943,670 | 3,409 |
| Average earning assets | $165,323,000 | 3,340 |
| Average equity | $19,819,000 | 3,248 |
| Average total loans | $116,941,330 | 3,202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 2,838 |
| Cost of funding earning assets | 1.1489% | 1,179 |
| Net interest margin | 3.6040% | 4,256 |
| Noninterest income to average assets | 0.2578% | 5,803 |
| Noninterest expense to average assets | 2.3944% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7823% | 3,464 |
| Return on assets (ROA) | 0.7823% | 3,705 |
| Pretax return on assets | 1.2323% | 2,799 |
| Return on Equity (ROE) | 7.0565% | 3,755 |
| Retained earnings to average equity (ytd only) | 7.0565% | 2,405 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0224% | 4,552 |
| Assets per employee ($millions) | 7.7226% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 6,958 |
| Loan loss allowance to noncurrent loans | 42.4619% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 4,503 |
| Noncurrent loans to loans | 1.4738% | 3,910 |
| Net loans and leases to total assets | 67.2299% | 2,244 |
| Net loans and leases to deposits | 108.0504% | 163 |
| Net loans and leases to core deposits | 126.6995% | 228 |
| Total domestic deposits to total assets | 62.2208% | 7,167 |
| Equity capital to assets | 11.1536% | 2,753 |
| Core capital (leverage) ratio | 10.4116% | 2,862 |
| Tier 1 risk-based capital ratio | 19.5248% | 1,832 |
| Total risk-based capital ratio | 20.3225% | 1,936 |
| Memoranda: | ||
| Average total assets | $176,911,500 | 3,424 |
| Average earning assets | $165,371,500 | 3,358 |
| Average equity | $19,613,000 | 3,273 |
| Average total loans | $119,436,500 | 3,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 4,508 |
| Cost of funding earning assets | 1.3894% | 1,087 |
| Net interest margin | 3.2499% | 5,962 |
| Noninterest income to average assets | 0.2463% | 5,768 |
| Noninterest expense to average assets | 2.4481% | 5,639 |
| Loan and lease loss provision to assets | 0.0082% | 6,432 |
| Net operating income to assets | 0.5382% | 4,281 |
| Return on assets (ROA) | 0.5518% | 4,408 |
| Pretax return on assets | 0.8372% | 3,836 |
| Return on Equity (ROE) | 5.4757% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.4757% | 2,316 |
| Net charge-offs to loans | 0.0277% | 6,044 |
| Credit loss provision to net charge-offs | 45.4545% | 5,522 |
| Earnings coverage of net charge-offs (x) | 45.9697% | 601 |
| Efficiency ratio | 74.8007% | 3,087 |
| Assets per employee ($millions) | 6.5261% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 6,983 |
| Loan loss allowance to noncurrent loans | 59.6825% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 5,211 |
| Noncurrent loans to loans | 1.0614% | 4,585 |
| Net loans and leases to total assets | 66.9429% | 2,600 |
| Net loans and leases to deposits | 109.0721% | 188 |
| Net loans and leases to core deposits | 134.2851% | 200 |
| Total domestic deposits to total assets | 61.3749% | 7,213 |
| Equity capital to assets | 11.0185% | 2,961 |
| Core capital (leverage) ratio | 10.2714% | 3,001 |
| Tier 1 risk-based capital ratio | 17.9343% | 2,214 |
| Total risk-based capital ratio | 18.6869% | 2,372 |
| Memoranda: | ||
| Average total assets | $183,942,200 | 3,273 |
| Average earning assets | $171,298,600 | 3,214 |
| Average equity | $18,536,600 | 3,354 |
| Average total loans | $119,067,400 | 3,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 4,808 |
| Cost of funding earning assets | 1.4215% | 1,144 |
| Net interest margin | 3.1935% | 6,174 |
| Noninterest income to average assets | 0.2381% | 5,922 |
| Noninterest expense to average assets | 2.4546% | 5,611 |
| Loan and lease loss provision to assets | 0.0108% | 6,295 |
| Net operating income to assets | 0.4968% | 4,565 |
| Return on assets (ROA) | 0.5150% | 4,668 |
| Pretax return on assets | 0.7733% | 4,224 |
| Return on Equity (ROE) | 5.2263% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.2263% | 3,044 |
| Net charge-offs to loans | 0.0369% | 5,627 |
| Credit loss provision to net charge-offs | 45.4545% | 5,131 |
| Earnings coverage of net charge-offs (x) | 31.9689% | 894 |
| Efficiency ratio | 76.4351% | 2,779 |
| Assets per employee ($millions) | 7.4152% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 7,024 |
| Loan loss allowance to noncurrent loans | 83.3703% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 5,872 |
| Noncurrent loans to loans | 0.7821% | 5,314 |
| Net loans and leases to total assets | 61.8044% | 3,775 |
| Net loans and leases to deposits | 95.2497% | 743 |
| Net loans and leases to core deposits | 118.5111% | 429 |
| Total domestic deposits to total assets | 64.8867% | 7,234 |
| Equity capital to assets | 10.2411% | 4,031 |
| Core capital (leverage) ratio | 9.5747% | 4,028 |
| Tier 1 risk-based capital ratio | 18.2441% | 2,175 |
| Total risk-based capital ratio | 19.0241% | 2,311 |
| Memoranda: | ||
| Average total assets | $185,876,750 | 3,265 |
| Average earning assets | $173,053,500 | 3,198 |
| Average equity | $18,317,000 | 3,389 |
| Average total loans | $119,157,250 | 3,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 4,755 |
| Cost of funding earning assets | 1.4436% | 1,215 |
| Net interest margin | 3.2070% | 6,143 |
| Noninterest income to average assets | 0.2408% | 5,925 |
| Noninterest expense to average assets | 2.4629% | 5,656 |
| Loan and lease loss provision to assets | 0.0161% | 6,082 |
| Net operating income to assets | 0.5016% | 4,492 |
| Return on assets (ROA) | 0.5160% | 4,575 |
| Pretax return on assets | 0.7686% | 4,152 |
| Return on Equity (ROE) | 5.3055% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.3055% | 2,807 |
| Net charge-offs to loans | 0.0631% | 5,015 |
| Credit loss provision to net charge-offs | 39.4737% | 4,828 |
| Earnings coverage of net charge-offs (x) | 18.6842% | 1,246 |
| Efficiency ratio | 76.3412% | 2,961 |
| Assets per employee ($millions) | 7.4886% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 7,106 |
| Loan loss allowance to noncurrent loans | 156.9328% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 6,492 |
| Noncurrent loans to loans | 0.4014% | 6,100 |
| Net loans and leases to total assets | 62.9501% | 3,688 |
| Net loans and leases to deposits | 96.5652% | 682 |
| Net loans and leases to core deposits | 119.9499% | 419 |
| Total domestic deposits to total assets | 65.1892% | 7,282 |
| Equity capital to assets | 9.8689% | 4,312 |
| Core capital (leverage) ratio | 9.2649% | 4,302 |
| Tier 1 risk-based capital ratio | 17.7478% | 2,250 |
| Total risk-based capital ratio | 18.5176% | 2,395 |
| Memoranda: | ||
| Average total assets | $186,042,330 | 3,288 |
| Average earning assets | $173,181,670 | 3,218 |
| Average equity | $18,094,330 | 3,401 |
| Average total loans | $120,434,670 | 3,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 4,968 |
| Cost of funding earning assets | 1.4536% | 1,371 |
| Net interest margin | 3.1409% | 6,242 |
| Noninterest income to average assets | 0.2394% | 5,990 |
| Noninterest expense to average assets | 2.4329% | 5,784 |
| Loan and lease loss provision to assets | 0.0324% | 5,567 |
| Net operating income to assets | 0.4594% | 4,663 |
| Return on assets (ROA) | 0.4594% | 4,749 |
| Pretax return on assets | 0.7010% | 4,303 |
| Return on Equity (ROE) | 4.7588% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.7588% | 3,334 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8392% | 3,006 |
| Assets per employee ($millions) | 6.8833% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 7,146 |
| Loan loss allowance to noncurrent loans | 84.6818% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 5,848 |
| Noncurrent loans to loans | 0.7670% | 5,493 |
| Net loans and leases to total assets | 64.6098% | 3,332 |
| Net loans and leases to deposits | 101.6396% | 395 |
| Net loans and leases to core deposits | 116.6931% | 510 |
| Total domestic deposits to total assets | 63.5675% | 7,374 |
| Equity capital to assets | 9.7112% | 4,158 |
| Core capital (leverage) ratio | 8.8913% | 4,786 |
| Tier 1 risk-based capital ratio | 17.4546% | 2,313 |
| Total risk-based capital ratio | 18.2912% | 2,430 |
| Memoranda: | ||
| Average total assets | $185,456,000 | 3,309 |
| Average earning assets | $172,818,000 | 3,260 |
| Average equity | $17,903,500 | 3,413 |
| Average total loans | $121,352,500 | 3,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 4,535 |
| Cost of funding earning assets | 1.7478% | 1,385 |
| Net interest margin | 3.2575% | 6,109 |
| Noninterest income to average assets | 0.2672% | 5,878 |
| Noninterest expense to average assets | 2.4939% | 5,823 |
| Loan and lease loss provision to assets | 0.0350% | 6,804 |
| Net operating income to assets | 0.5058% | 4,071 |
| Return on assets (ROA) | 0.5058% | 4,229 |
| Pretax return on assets | 0.7767% | 3,706 |
| Return on Equity (ROE) | 5.5073% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,105 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4451% | 3,126 |
| Assets per employee ($millions) | 6.6094% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6320% | 7,226 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 6,655 |
| Noncurrent loans to loans | 0.2528% | 6,558 |
| Net loans and leases to total assets | 65.4228% | 3,572 |
| Net loans and leases to deposits | 104.0190% | 403 |
| Net loans and leases to core deposits | 124.6579% | 414 |
| Total domestic deposits to total assets | 62.8950% | 7,468 |
| Equity capital to assets | 9.5961% | 4,277 |
| Core capital (leverage) ratio | 8.8413% | 4,786 |
| Tier 1 risk-based capital ratio | 17.8812% | 2,035 |
| Total risk-based capital ratio | 18.7293% | 2,147 |
| Memoranda: | ||
| Average total assets | $188,618,800 | 3,249 |
| Average earning assets | $175,933,400 | 3,169 |
| Average equity | $17,322,600 | 3,532 |
| Average total loans | $131,908,800 | 3,089 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 4,351 |
| Cost of funding earning assets | 1.7896% | 1,458 |
| Net interest margin | 3.3047% | 6,002 |
| Noninterest income to average assets | 0.2554% | 6,076 |
| Noninterest expense to average assets | 2.5089% | 5,690 |
| Loan and lease loss provision to assets | 0.0359% | 6,724 |
| Net operating income to assets | 0.5178% | 4,226 |
| Return on assets (ROA) | 0.5178% | 4,418 |
| Pretax return on assets | 0.7936% | 3,935 |
| Return on Equity (ROE) | 5.7008% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.7008% | 2,544 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1528% | 3,117 |
| Assets per employee ($millions) | 6.8686% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 7,310 |
| Loan loss allowance to noncurrent loans | 146.1131% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 6,635 |
| Noncurrent loans to loans | 0.4317% | 6,333 |
| Net loans and leases to total assets | 67.7404% | 3,286 |
| Net loans and leases to deposits | 106.1146% | 359 |
| Net loans and leases to core deposits | 125.5641% | 460 |
| Total domestic deposits to total assets | 63.8370% | 7,522 |
| Equity capital to assets | 9.1576% | 5,373 |
| Core capital (leverage) ratio | 8.6408% | 5,283 |
| Tier 1 risk-based capital ratio | 17.2263% | 2,268 |
| Total risk-based capital ratio | 18.0885% | 2,360 |
| Memoranda: | ||
| Average total assets | $189,507,500 | 3,281 |
| Average earning assets | $176,793,500 | 3,206 |
| Average equity | $17,213,500 | 3,606 |
| Average total loans | $134,425,000 | 3,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 4,450 |
| Cost of funding earning assets | 1.8218% | 1,556 |
| Net interest margin | 3.2788% | 6,082 |
| Noninterest income to average assets | 0.2567% | 6,078 |
| Noninterest expense to average assets | 2.5974% | 5,332 |
| Loan and lease loss provision to assets | 0.0382% | 6,576 |
| Net operating income to assets | 0.4561% | 4,521 |
| Return on assets (ROA) | 0.4561% | 4,681 |
| Pretax return on assets | 0.6809% | 4,307 |
| Return on Equity (ROE) | 5.0349% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.0349% | 2,884 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3179% | 2,673 |
| Assets per employee ($millions) | 6.6406% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 7,409 |
| Loan loss allowance to noncurrent loans | 364.1256% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 7,098 |
| Noncurrent loans to loans | 0.1659% | 6,928 |
| Net loans and leases to total assets | 69.3620% | 3,045 |
| Net loans and leases to deposits | 105.3164% | 427 |
| Net loans and leases to core deposits | 132.6027% | 380 |
| Total domestic deposits to total assets | 65.8606% | 7,530 |
| Equity capital to assets | 8.9678% | 5,497 |
| Core capital (leverage) ratio | 8.4659% | 5,469 |
| Tier 1 risk-based capital ratio | 17.0217% | 2,274 |
| Total risk-based capital ratio | 17.8741% | 2,382 |
| Memoranda: | ||
| Average total assets | $188,569,670 | 3,327 |
| Average earning assets | $175,980,330 | 3,240 |
| Average equity | $17,080,670 | 3,623 |
| Average total loans | $135,531,330 | 3,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 4,502 |
| Cost of funding earning assets | 1.8872% | 1,504 |
| Net interest margin | 3.2181% | 6,233 |
| Noninterest income to average assets | 0.2380% | 6,250 |
| Noninterest expense to average assets | 2.4763% | 5,819 |
| Loan and lease loss provision to assets | 0.0386% | 6,291 |
| Net operating income to assets | 0.4567% | 4,589 |
| Return on assets (ROA) | 0.4567% | 4,713 |
| Pretax return on assets | 0.7247% | 4,151 |
| Return on Equity (ROE) | 5.0159% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.0159% | 3,149 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4394% | 3,141 |
| Assets per employee ($millions) | 6.2366% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 7,519 |
| Loan loss allowance to noncurrent loans | 228.1609% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 7,007 |
| Noncurrent loans to loans | 0.2566% | 6,817 |
| Net loans and leases to total assets | 72.0681% | 2,431 |
| Net loans and leases to deposits | 112.8219% | 233 |
| Net loans and leases to core deposits | 134.3035% | 404 |
| Total domestic deposits to total assets | 63.8778% | 7,680 |
| Equity capital to assets | 9.1647% | 5,037 |
| Core capital (leverage) ratio | 8.6324% | 5,152 |
| Tier 1 risk-based capital ratio | 16.9755% | 2,276 |
| Total risk-based capital ratio | 17.8150% | 2,374 |
| Memoranda: | ||
| Average total assets | $186,565,500 | 3,411 |
| Average earning assets | $174,016,000 | 3,339 |
| Average equity | $16,986,000 | 3,658 |
| Average total loans | $136,103,000 | 3,144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 5,200 |
| Cost of funding earning assets | 2.3042% | 1,640 |
| Net interest margin | 2.9902% | 6,673 |
| Noninterest income to average assets | 0.3777% | 5,391 |
| Noninterest expense to average assets | 2.6131% | 5,752 |
| Loan and lease loss provision to assets | 0.0129% | 7,366 |
| Net operating income to assets | 0.3000% | 4,540 |
| Return on assets (ROA) | 0.4565% | 4,026 |
| Pretax return on assets | 0.7789% | 3,307 |
| Return on Equity (ROE) | 5.2742% | 3,543 |
| Retained earnings to average equity (ytd only) | 5.2742% | 1,686 |
| Net charge-offs to loans | 0.0163% | 6,992 |
| Credit loss provision to net charge-offs | 109.0909% | 5,061 |
| Earnings coverage of net charge-offs (x) | 46.3636% | 552 |
| Efficiency ratio | 82.6855% | 2,523 |
| Assets per employee ($millions) | 6.6440% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 7,601 |
| Loan loss allowance to noncurrent loans | 96.0396% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 6,374 |
| Noncurrent loans to loans | 0.5916% | 6,056 |
| Net loans and leases to total assets | 72.9967% | 2,512 |
| Net loans and leases to deposits | 116.3202% | 223 |
| Net loans and leases to core deposits | 164.9475% | 284 |
| Total domestic deposits to total assets | 62.7550% | 7,742 |
| Equity capital to assets | 9.0441% | 5,072 |
| Core capital (leverage) ratio | 8.4184% | 5,409 |
| Tier 1 risk-based capital ratio | 16.0070% | 2,518 |
| Total risk-based capital ratio | 16.8056% | 2,642 |
| Memoranda: | ||
| Average total assets | $186,409,000 | 3,333 |
| Average earning assets | $173,469,400 | 3,299 |
| Average equity | $16,135,200 | 3,845 |
| Average total loans | $134,606,600 | 3,181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 5,572 |
| Cost of funding earning assets | 2.3869% | 1,678 |
| Net interest margin | 2.8826% | 6,890 |
| Noninterest income to average assets | 0.3896% | 5,385 |
| Noninterest expense to average assets | 2.7516% | 5,099 |
| Loan and lease loss provision to assets | 0.0043% | 7,269 |
| Net operating income to assets | 0.1554% | 5,304 |
| Return on assets (ROA) | 0.3632% | 4,642 |
| Pretax return on assets | 0.6398% | 4,057 |
| Return on Equity (ROE) | 4.2431% | 4,275 |
| Retained earnings to average equity (ytd only) | 4.2431% | 2,902 |
| Net charge-offs to loans | 0.0219% | 6,591 |
| Credit loss provision to net charge-offs | 27.2727% | 6,524 |
| Earnings coverage of net charge-offs (x) | 20.3202% | 1,244 |
| Efficiency ratio | 89.5950% | 1,726 |
| Assets per employee ($millions) | 6.7907% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5557% | 7,636 |
| Loan loss allowance to noncurrent loans | 88.7588% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 6,069 |
| Noncurrent loans to loans | 0.6261% | 6,048 |
| Net loans and leases to total assets | 73.9802% | 2,528 |
| Net loans and leases to deposits | 112.1509% | 384 |
| Net loans and leases to core deposits | 157.0294% | 442 |
| Total domestic deposits to total assets | 65.9649% | 7,687 |
| Equity capital to assets | 8.9060% | 5,625 |
| Core capital (leverage) ratio | 8.4967% | 5,503 |
| Tier 1 risk-based capital ratio | 13.9426% | 3,582 |
| Total risk-based capital ratio | 14.6240% | 3,885 |
| Memoranda: | ||
| Average total assets | $186,503,000 | 3,362 |
| Average earning assets | $173,496,000 | 3,327 |
| Average equity | $15,962,750 | 3,920 |
| Average total loans | $134,114,750 | 3,222 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 5,699 |
| Cost of funding earning assets | 2.4452% | 1,796 |
| Net interest margin | 2.8443% | 6,924 |
| Noninterest income to average assets | 0.2463% | 6,523 |
| Noninterest expense to average assets | 2.9741% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1200% | 6,047 |
| Return on assets (ROA) | 0.1898% | 5,379 |
| Pretax return on assets | 0.4010% | 4,934 |
| Return on Equity (ROE) | 2.2474% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.2474% | 4,087 |
| Net charge-offs to loans | 0.0330% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -3.5455% | 6,421 |
| Efficiency ratio | 102.8772% | 1,063 |
| Assets per employee ($millions) | 6.5373% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,705 |
| Loan loss allowance to noncurrent loans | 230.6748% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 6,804 |
| Noncurrent loans to loans | 0.2444% | 6,900 |
| Net loans and leases to total assets | 72.4475% | 3,104 |
| Net loans and leases to deposits | 107.9323% | 656 |
| Net loans and leases to core deposits | 149.8672% | 659 |
| Total domestic deposits to total assets | 67.1230% | 7,673 |
| Equity capital to assets | 8.6493% | 5,822 |
| Core capital (leverage) ratio | 8.8038% | 4,938 |
| Tier 1 risk-based capital ratio | 14.4814% | 3,254 |
| Total risk-based capital ratio | 15.1561% | 3,511 |
| Memoranda: | ||
| Average total assets | $187,554,330 | 3,366 |
| Average earning assets | $174,384,330 | 3,339 |
| Average equity | $15,840,670 | 3,950 |
| Average total loans | $133,353,000 | 3,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 6,000 |
| Cost of funding earning assets | 2.4884% | 1,965 |
| Net interest margin | 2.7881% | 7,020 |
| Noninterest income to average assets | 0.2339% | 6,591 |
| Noninterest expense to average assets | 2.5036% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1590% | 5,793 |
| Return on assets (ROA) | 0.7713% | 3,423 |
| Pretax return on assets | 1.2750% | 2,359 |
| Return on Equity (ROE) | 9.2395% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.2395% | 1,413 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7229% | 1,831 |
| Assets per employee ($millions) | 6.6367% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 7,688 |
| Loan loss allowance to noncurrent loans | 178.5219% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 6,824 |
| Noncurrent loans to loans | 0.3265% | 6,619 |
| Net loans and leases to total assets | 70.9536% | 3,480 |
| Net loans and leases to deposits | 108.1695% | 714 |
| Net loans and leases to core deposits | 148.1822% | 773 |
| Total domestic deposits to total assets | 65.5949% | 7,760 |
| Equity capital to assets | 8.5429% | 6,003 |
| Core capital (leverage) ratio | 8.7518% | 5,060 |
| Tier 1 risk-based capital ratio | 14.5501% | 3,283 |
| Total risk-based capital ratio | 15.2388% | 3,516 |
| Memoranda: | ||
| Average total assets | $189,810,000 | 3,362 |
| Average earning assets | $176,177,000 | 3,337 |
| Average equity | $15,845,000 | 3,977 |
| Average total loans | $133,348,500 | 3,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 6,979 |
| Cost of funding earning assets | 2.9035% | 2,254 |
| Net interest margin | 2.7292% | 7,446 |
| Noninterest income to average assets | 0.2840% | 6,435 |
| Noninterest expense to average assets | 2.5051% | 5,982 |
| Loan and lease loss provision to assets | 0.2721% | 4,218 |
| Net operating income to assets | 0.2076% | 5,824 |
| Return on assets (ROA) | 0.2450% | 5,536 |
| Pretax return on assets | 0.0894% | 5,966 |
| Return on Equity (ROE) | 2.8771% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.8771% | 3,387 |
| Net charge-offs to loans | 0.0008% | 7,029 |
| Credit loss provision to net charge-offs | 50,200.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 598.0000% | 95 |
| Efficiency ratio | 88.5441% | 1,627 |
| Assets per employee ($millions) | 6.6825% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5766% | 7,715 |
| Loan loss allowance to noncurrent loans | 218.3616% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,827 |
| Noncurrent loans to loans | 0.2640% | 6,584 |
| Net loans and leases to total assets | 68.7847% | 4,304 |
| Net loans and leases to deposits | 106.4484% | 1,085 |
| Net loans and leases to core deposits | 144.3375% | 1,078 |
| Total domestic deposits to total assets | 64.6179% | 7,748 |
| Equity capital to assets | 8.1608% | 6,614 |
| Core capital (leverage) ratio | 8.2249% | 6,117 |
| Tier 1 risk-based capital ratio | 14.6276% | 3,239 |
| Total risk-based capital ratio | 15.3358% | 3,421 |
| Memoranda: | ||
| Average total assets | $184,501,400 | 3,350 |
| Average earning assets | $172,066,600 | 3,302 |
| Average equity | $15,710,400 | 3,989 |
| Average total loans | $121,999,800 | 3,419 |