Home > East Cambridge Savings Bank > Performance and Condition Ratios
East Cambridge Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 3,294 |
| Cost of funding earning assets | 1.8315% | 1,199 |
| Net interest margin | 2.5593% | 4,022 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.2388% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5846% | 3,477 |
| Return on assets (ROA) | 0.5846% | 3,474 |
| Pretax return on assets | 0.6953% | 3,448 |
| Return on Equity (ROE) | 7.0500% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.0514% | 1,883 |
| Net charge-offs to loans | 0.0030% | 2,673 |
| Credit loss provision to net charge-offs | 165.8537% | 1,377 |
| Earnings coverage of net charge-offs (x) | 272.0244% | 465 |
| Efficiency ratio | 75.8113% | 1,264 |
| Assets per employee ($millions) | 10.0532% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 4,287 |
| Loan loss allowance to noncurrent loans | 352.9963% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,592 |
| Noncurrent loans to loans | 0.1593% | 2,724 |
| Net loans and leases to total assets | 82.9200% | 353 |
| Net loans and leases to deposits | 101.7648% | 446 |
| Net loans and leases to core deposits | 130.5404% | 394 |
| Total domestic deposits to total assets | 81.4800% | 3,229 |
| Equity capital to assets | 8.6804% | 2,912 |
| Core capital (leverage) ratio | 9.2344% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0314% | 1,859 |
| Memoranda: | ||
| Average total assets | $1,608,978,800 | 680 |
| Average earning assets | $1,523,164,200 | 660 |
| Average equity | $133,391,600 | 746 |
| Average total loans | $1,355,873,600 | 563 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 3,190 |
| Cost of funding earning assets | 1.7227% | 1,143 |
| Net interest margin | 2.6318% | 3,978 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2771% | 2,865 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.4192% | 3,930 |
| Return on assets (ROA) | 0.4192% | 3,920 |
| Pretax return on assets | 0.5494% | 3,825 |
| Return on Equity (ROE) | 5.1200% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.1164% | 2,897 |
| Net charge-offs to loans | 0.0021% | 2,492 |
| Credit loss provision to net charge-offs | -1,366.6667% | 4,605 |
| Earnings coverage of net charge-offs (x) | 293.2381% | 459 |
| Efficiency ratio | 81.1172% | 796 |
| Assets per employee ($millions) | 9.8354% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5354% | 4,329 |
| Loan loss allowance to noncurrent loans | 332.7945% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,626 |
| Noncurrent loans to loans | 0.1609% | 2,746 |
| Net loans and leases to total assets | 83.4900% | 326 |
| Net loans and leases to deposits | 97.6974% | 631 |
| Net loans and leases to core deposits | 126.8407% | 398 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 8.2095% | 2,915 |
| Core capital (leverage) ratio | 8.8984% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4895% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,609,094,250 | 683 |
| Average earning assets | $1,525,486,250 | 658 |
| Average equity | $131,833,000 | 749 |
| Average total loans | $1,359,524,250 | 562 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 3,047 |
| Cost of funding earning assets | 1.5854% | 1,096 |
| Net interest margin | 2.7415% | 3,921 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2949% | 2,824 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.4878% | 3,832 |
| Return on assets (ROA) | 0.4878% | 3,840 |
| Pretax return on assets | 0.6449% | 3,713 |
| Return on Equity (ROE) | 5.9600% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.9572% | 2,638 |
| Net charge-offs to loans | 0.0016% | 2,334 |
| Credit loss provision to net charge-offs | -2,481.8182% | 4,647 |
| Earnings coverage of net charge-offs (x) | 432.3636% | 338 |
| Efficiency ratio | 78.9820% | 919 |
| Assets per employee ($millions) | 9.7225% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5340% | 4,352 |
| Loan loss allowance to noncurrent loans | 405.2130% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,712 |
| Noncurrent loans to loans | 0.1318% | 2,810 |
| Net loans and leases to total assets | 83.9300% | 274 |
| Net loans and leases to deposits | 96.5159% | 702 |
| Net loans and leases to core deposits | 126.2071% | 381 |
| Total domestic deposits to total assets | 86.9600% | 1,941 |
| Equity capital to assets | 8.3310% | 3,000 |
| Core capital (leverage) ratio | 8.8163% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2120% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,611,068,000 | 671 |
| Average earning assets | $1,527,793,000 | 648 |
| Average equity | $131,906,667 | 742 |
| Average total loans | $1,364,131,333 | 549 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,777 |
| Cost of funding earning assets | 1.4205% | 994 |
| Net interest margin | 2.8909% | 3,804 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.3921% | 2,553 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 0.4915% | 3,920 |
| Return on assets (ROA) | 0.4915% | 3,882 |
| Pretax return on assets | 0.6499% | 3,757 |
| Return on Equity (ROE) | 6.0600% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.0563% | 2,748 |
| Net charge-offs to loans | 0.0015% | 1,990 |
| Credit loss provision to net charge-offs | -580.0000% | 4,632 |
| Earnings coverage of net charge-offs (x) | 503.4000% | 225 |
| Efficiency ratio | 78.7874% | 926 |
| Assets per employee ($millions) | 9.6370% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5491% | 4,407 |
| Loan loss allowance to noncurrent loans | 129.1314% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,414 |
| Noncurrent loans to loans | 0.4252% | 1,661 |
| Net loans and leases to total assets | 83.6600% | 259 |
| Net loans and leases to deposits | 92.8050% | 865 |
| Net loans and leases to core deposits | 123.6296% | 372 |
| Total domestic deposits to total assets | 90.1500% | 1,107 |
| Equity capital to assets | 8.2014% | 3,107 |
| Core capital (leverage) ratio | 8.6235% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9256% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,614,498,000 | 681 |
| Average earning assets | $1,530,993,500 | 658 |
| Average equity | $131,037,000 | 754 |
| Average total loans | $1,369,354,500 | 554 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 2,252 |
| Cost of funding earning assets | 0.4443% | 1,756 |
| Net interest margin | 3.3657% | 2,361 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.3451% | 2,598 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8129% | 3,282 |
| Return on assets (ROA) | 0.8129% | 3,213 |
| Pretax return on assets | 1.1170% | 2,713 |
| Return on Equity (ROE) | 9.2000% | 3,067 |
| Retained earnings to average equity (ytd only) | 9.2036% | 1,419 |
| Net charge-offs to loans | 0.0018% | 2,477 |
| Credit loss provision to net charge-offs | 2,795.4545% | 201 |
| Earnings coverage of net charge-offs (x) | 767.8182% | 239 |
| Efficiency ratio | 66.6810% | 2,123 |
| Assets per employee ($millions) | 9.4151% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 4,357 |
| Loan loss allowance to noncurrent loans | 137.8709% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,397 |
| Noncurrent loans to loans | 0.4210% | 1,665 |
| Net loans and leases to total assets | 85.0200% | 207 |
| Net loans and leases to deposits | 100.3521% | 426 |
| Net loans and leases to core deposits | 122.5848% | 331 |
| Total domestic deposits to total assets | 84.7200% | 3,055 |
| Equity capital to assets | 8.0307% | 3,043 |
| Core capital (leverage) ratio | 8.5573% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5396% | 2,554 |
| Memoranda: | ||
| Average total assets | $1,457,187,000 | 719 |
| Average earning assets | $1,384,121,400 | 695 |
| Average equity | $128,710,800 | 760 |
| Average total loans | $1,220,576,800 | 574 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 2,193 |
| Cost of funding earning assets | 0.3266% | 1,894 |
| Net interest margin | 3.3249% | 2,213 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3630% | 2,434 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7741% | 3,340 |
| Return on assets (ROA) | 0.7741% | 3,294 |
| Pretax return on assets | 1.0687% | 2,815 |
| Return on Equity (ROE) | 8.5400% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.5433% | 1,810 |
| Net charge-offs to loans | 0.0018% | 2,228 |
| Credit loss provision to net charge-offs | 2,631.2500% | 198 |
| Earnings coverage of net charge-offs (x) | 737.1875% | 222 |
| Efficiency ratio | 68.0246% | 2,022 |
| Assets per employee ($millions) | 9.8461% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 4,401 |
| Loan loss allowance to noncurrent loans | 433.2593% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,769 |
| Noncurrent loans to loans | 0.1329% | 2,970 |
| Net loans and leases to total assets | 84.4800% | 212 |
| Net loans and leases to deposits | 95.4997% | 577 |
| Net loans and leases to core deposits | 115.1660% | 342 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 7.8793% | 2,973 |
| Core capital (leverage) ratio | 8.6607% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2831% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,418,989,250 | 742 |
| Average earning assets | $1,349,171,250 | 719 |
| Average equity | $128,565,500 | 774 |
| Average total loans | $1,181,537,500 | 586 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 1,988 |
| Cost of funding earning assets | 0.2823% | 1,873 |
| Net interest margin | 3.2707% | 1,991 |
| Noninterest income to average assets | 0.3246% | 3,226 |
| Noninterest expense to average assets | 2.3420% | 2,422 |
| Loan and lease loss provision to assets | 0.0313% | 2,027 |
| Net operating income to assets | 0.7951% | 2,970 |
| Return on assets (ROA) | 0.7951% | 2,943 |
| Pretax return on assets | 1.0674% | 2,523 |
| Return on Equity (ROE) | 8.3504% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.3504% | 1,489 |
| Net charge-offs to loans | 0.0020% | 2,036 |
| Credit loss provision to net charge-offs | 1,936.3636% | 252 |
| Earnings coverage of net charge-offs (x) | 679.3636% | 203 |
| Efficiency ratio | 68.0156% | 2,242 |
| Assets per employee ($millions) | 9.6454% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 4,402 |
| Loan loss allowance to noncurrent loans | 4,175.8242% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,809 |
| Noncurrent loans to loans | 0.0157% | 3,846 |
| Net loans and leases to total assets | 80.7572% | 350 |
| Net loans and leases to deposits | 90.2220% | 706 |
| Net loans and leases to core deposits | 109.0599% | 368 |
| Total domestic deposits to total assets | 89.5095% | 1,941 |
| Equity capital to assets | 8.9218% | 2,430 |
| Core capital (leverage) ratio | 10.1859% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3882% | 1,603 |
| Memoranda: | ||
| Average total assets | $1,360,296,333 | 758 |
| Average earning assets | $1,295,995,333 | 745 |
| Average equity | $129,527,333 | 777 |
| Average total loans | $1,123,633,333 | 600 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 1,826 |
| Cost of funding earning assets | 0.2667% | 1,960 |
| Net interest margin | 3.2292% | 1,787 |
| Noninterest income to average assets | 0.3223% | 3,177 |
| Noninterest expense to average assets | 2.3511% | 2,334 |
| Loan and lease loss provision to assets | 0.0693% | 1,183 |
| Net operating income to assets | 0.7299% | 2,934 |
| Return on assets (ROA) | 0.7299% | 2,926 |
| Pretax return on assets | 0.9754% | 2,519 |
| Return on Equity (ROE) | 7.4144% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.4144% | 1,760 |
| Net charge-offs to loans | 0.0014% | 1,787 |
| Credit loss provision to net charge-offs | 5,750.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 866.2500% | 108 |
| Efficiency ratio | 69.1823% | 2,349 |
| Assets per employee ($millions) | 9.0240% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6782% | 4,424 |
| Loan loss allowance to noncurrent loans | 4,166.1202% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,831 |
| Noncurrent loans to loans | 0.0163% | 3,890 |
| Net loans and leases to total assets | 83.6003% | 97 |
| Net loans and leases to deposits | 95.0687% | 312 |
| Net loans and leases to core deposits | 107.3566% | 322 |
| Total domestic deposits to total assets | 87.9367% | 2,549 |
| Equity capital to assets | 9.6578% | 2,172 |
| Core capital (leverage) ratio | 10.4768% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3318% | 1,685 |
| Memoranda: | ||
| Average total assets | $1,326,681,500 | 779 |
| Average earning assets | $1,262,741,500 | 767 |
| Average equity | $130,610,500 | 786 |
| Average total loans | $1,105,235,000 | 602 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 2,715 |
| Cost of funding earning assets | 0.3650% | 1,811 |
| Net interest margin | 3.1160% | 2,855 |
| Noninterest income to average assets | 0.3546% | 3,315 |
| Noninterest expense to average assets | 2.3808% | 2,547 |
| Loan and lease loss provision to assets | 0.0738% | 1,629 |
| Net operating income to assets | 0.6501% | 3,748 |
| Return on assets (ROA) | 0.6501% | 3,807 |
| Pretax return on assets | 0.8595% | 3,597 |
| Return on Equity (ROE) | 6.4054% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.4054% | 2,173 |
| Net charge-offs to loans | -0.0010% | 3,283 |
| Credit loss provision to net charge-offs | -9,280.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7823% | 1,531 |
| Assets per employee ($millions) | 8.8444% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6810% | 4,454 |
| Loan loss allowance to noncurrent loans | 4,042.6230% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,921 |
| Noncurrent loans to loans | 0.0168% | 3,959 |
| Net loans and leases to total assets | 81.8723% | 187 |
| Net loans and leases to deposits | 93.5916% | 401 |
| Net loans and leases to core deposits | 105.9483% | 366 |
| Total domestic deposits to total assets | 87.4782% | 2,289 |
| Equity capital to assets | 10.0345% | 2,623 |
| Core capital (leverage) ratio | 10.5106% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4149% | 1,709 |
| Memoranda: | ||
| Average total assets | $1,257,543,600 | 793 |
| Average earning assets | $1,194,395,400 | 774 |
| Average equity | $127,626,000 | 813 |
| Average total loans | $998,625,400 | 655 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 2,915 |
| Cost of funding earning assets | 0.3852% | 1,819 |
| Net interest margin | 3.0893% | 3,084 |
| Noninterest income to average assets | 0.3697% | 3,249 |
| Noninterest expense to average assets | 2.3263% | 2,668 |
| Loan and lease loss provision to assets | 0.0730% | 1,583 |
| Net operating income to assets | 0.6820% | 3,817 |
| Return on assets (ROA) | 0.6820% | 3,873 |
| Pretax return on assets | 0.9026% | 3,690 |
| Return on Equity (ROE) | 6.6995% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.6995% | 2,538 |
| Net charge-offs to loans | -0.0022% | 3,238 |
| Credit loss provision to net charge-offs | -4,250.0000% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3955% | 1,563 |
| Assets per employee ($millions) | 8.5153% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 4,517 |
| Loan loss allowance to noncurrent loans | 3,910.3825% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,042 |
| Noncurrent loans to loans | 0.0177% | 4,070 |
| Net loans and leases to total assets | 79.7301% | 307 |
| Net loans and leases to deposits | 90.5328% | 578 |
| Net loans and leases to core deposits | 102.2070% | 518 |
| Total domestic deposits to total assets | 88.0676% | 1,803 |
| Equity capital to assets | 10.0266% | 2,874 |
| Core capital (leverage) ratio | 10.5226% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8148% | 1,173 |
| Memoranda: | ||
| Average total assets | $1,242,476,750 | 810 |
| Average earning assets | $1,179,263,750 | 795 |
| Average equity | $126,473,500 | 828 |
| Average total loans | $976,701,750 | 687 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 2,979 |
| Cost of funding earning assets | 0.4011% | 1,877 |
| Net interest margin | 3.0680% | 3,120 |
| Noninterest income to average assets | 0.3814% | 3,206 |
| Noninterest expense to average assets | 2.3718% | 2,550 |
| Loan and lease loss provision to assets | 0.0420% | 2,170 |
| Net operating income to assets | 0.6655% | 3,844 |
| Return on assets (ROA) | 0.6655% | 3,907 |
| Pretax return on assets | 0.8778% | 3,710 |
| Return on Equity (ROE) | 6.5034% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.5034% | 2,625 |
| Net charge-offs to loans | 0.0069% | 1,886 |
| Credit loss provision to net charge-offs | 781.8182% | 548 |
| Earnings coverage of net charge-offs (x) | 171.1515% | 545 |
| Efficiency ratio | 71.9954% | 1,435 |
| Assets per employee ($millions) | 8.4909% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 4,560 |
| Loan loss allowance to noncurrent loans | 1,714.3590% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,991 |
| Noncurrent loans to loans | 0.0399% | 3,994 |
| Net loans and leases to total assets | 77.6852% | 466 |
| Net loans and leases to deposits | 88.7727% | 734 |
| Net loans and leases to core deposits | 101.0779% | 625 |
| Total domestic deposits to total assets | 87.5102% | 2,089 |
| Equity capital to assets | 10.2021% | 2,670 |
| Core capital (leverage) ratio | 10.7577% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9502% | 1,347 |
| Memoranda: | ||
| Average total assets | $1,228,034,000 | 813 |
| Average earning assets | $1,164,849,667 | 796 |
| Average equity | $125,657,333 | 833 |
| Average total loans | $958,159,000 | 701 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 2,898 |
| Cost of funding earning assets | 0.4184% | 1,948 |
| Net interest margin | 3.0896% | 3,024 |
| Noninterest income to average assets | 0.3796% | 3,198 |
| Noninterest expense to average assets | 2.3209% | 2,719 |
| Loan and lease loss provision to assets | 0.0519% | 2,064 |
| Net operating income to assets | 0.7077% | 3,687 |
| Return on assets (ROA) | 0.7077% | 3,750 |
| Pretax return on assets | 0.9363% | 3,521 |
| Return on Equity (ROE) | 6.9061% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.9061% | 2,603 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0774% | 1,688 |
| Assets per employee ($millions) | 8.1357% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 4,577 |
| Loan loss allowance to noncurrent loans | 1,151.1304% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,000 |
| Noncurrent loans to loans | 0.0605% | 3,984 |
| Net loans and leases to total assets | 76.8466% | 552 |
| Net loans and leases to deposits | 87.8464% | 840 |
| Net loans and leases to core deposits | 100.4094% | 699 |
| Total domestic deposits to total assets | 87.4784% | 2,103 |
| Equity capital to assets | 10.1727% | 2,536 |
| Core capital (leverage) ratio | 10.7347% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2626% | 1,227 |
| Memoranda: | ||
| Average total assets | $1,217,972,500 | 809 |
| Average earning assets | $1,154,858,500 | 794 |
| Average equity | $124,817,000 | 828 |
| Average total loans | $949,079,000 | 704 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 3,448 |
| Cost of funding earning assets | 0.7291% | 1,567 |
| Net interest margin | 3.0193% | 3,845 |
| Noninterest income to average assets | 0.3787% | 3,219 |
| Noninterest expense to average assets | 2.4200% | 3,085 |
| Loan and lease loss provision to assets | 0.1156% | 2,908 |
| Net operating income to assets | 0.5396% | 3,937 |
| Return on assets (ROA) | 0.5396% | 4,032 |
| Pretax return on assets | 0.6968% | 3,887 |
| Return on Equity (ROE) | 5.3326% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.3326% | 2,126 |
| Net charge-offs to loans | 0.0161% | 2,780 |
| Credit loss provision to net charge-offs | 911.4865% | 825 |
| Earnings coverage of net charge-offs (x) | 64.0811% | 1,039 |
| Efficiency ratio | 74.8013% | 1,356 |
| Assets per employee ($millions) | 7.9964% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 4,613 |
| Loan loss allowance to noncurrent loans | 1,119.5841% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,070 |
| Noncurrent loans to loans | 0.0609% | 4,051 |
| Net loans and leases to total assets | 77.9347% | 609 |
| Net loans and leases to deposits | 90.1769% | 919 |
| Net loans and leases to core deposits | 103.5861% | 745 |
| Total domestic deposits to total assets | 86.4242% | 2,182 |
| Equity capital to assets | 10.3245% | 2,810 |
| Core capital (leverage) ratio | 10.6117% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0553% | 1,249 |
| Memoranda: | ||
| Average total assets | $1,167,431,400 | 767 |
| Average earning assets | $1,103,411,000 | 748 |
| Average equity | $118,141,400 | 831 |
| Average total loans | $918,766,400 | 697 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 3,630 |
| Cost of funding earning assets | 0.8087% | 1,457 |
| Net interest margin | 2.9678% | 4,054 |
| Noninterest income to average assets | 0.3532% | 3,338 |
| Noninterest expense to average assets | 2.3850% | 3,182 |
| Loan and lease loss provision to assets | 0.1247% | 2,776 |
| Net operating income to assets | 0.5046% | 4,017 |
| Return on assets (ROA) | 0.5046% | 4,112 |
| Pretax return on assets | 0.6467% | 4,015 |
| Return on Equity (ROE) | 5.0123% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.0123% | 2,553 |
| Net charge-offs to loans | 0.0042% | 3,005 |
| Credit loss provision to net charge-offs | 3,731.0345% | 289 |
| Earnings coverage of net charge-offs (x) | 230.8966% | 448 |
| Efficiency ratio | 75.4927% | 1,253 |
| Assets per employee ($millions) | 8.1044% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,595 |
| Loan loss allowance to noncurrent loans | 507.3955% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,884 |
| Noncurrent loans to loans | 0.1358% | 3,838 |
| Net loans and leases to total assets | 75.8544% | 1,112 |
| Net loans and leases to deposits | 88.2362% | 1,456 |
| Net loans and leases to core deposits | 100.9181% | 1,099 |
| Total domestic deposits to total assets | 85.9674% | 2,086 |
| Equity capital to assets | 9.9221% | 3,298 |
| Core capital (leverage) ratio | 10.6588% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6099% | 1,113 |
| Memoranda: | ||
| Average total assets | $1,157,425,500 | 764 |
| Average earning assets | $1,093,202,000 | 743 |
| Average equity | $116,510,750 | 841 |
| Average total loans | $911,586,500 | 698 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,665 |
| Cost of funding earning assets | 0.9146% | 1,304 |
| Net interest margin | 2.9684% | 4,192 |
| Noninterest income to average assets | 0.3201% | 3,547 |
| Noninterest expense to average assets | 2.4462% | 3,116 |
| Loan and lease loss provision to assets | 0.1496% | 2,509 |
| Net operating income to assets | 0.4193% | 4,190 |
| Return on assets (ROA) | 0.4193% | 4,252 |
| Pretax return on assets | 0.5258% | 4,207 |
| Return on Equity (ROE) | 4.1443% | 4,065 |
| Retained earnings to average equity (ytd only) | 4.1443% | 2,841 |
| Net charge-offs to loans | 0.0073% | 2,700 |
| Credit loss provision to net charge-offs | 2,590.9091% | 398 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 636 |
| Efficiency ratio | 78.2921% | 1,027 |
| Assets per employee ($millions) | 7.7160% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 4,665 |
| Loan loss allowance to noncurrent loans | 152.5590% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 2,910 |
| Noncurrent loans to loans | 0.4277% | 2,879 |
| Net loans and leases to total assets | 78.9350% | 733 |
| Net loans and leases to deposits | 91.9186% | 1,169 |
| Net loans and leases to core deposits | 106.2078% | 886 |
| Total domestic deposits to total assets | 85.8748% | 2,075 |
| Equity capital to assets | 10.0029% | 3,203 |
| Core capital (leverage) ratio | 10.5270% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8943% | 1,266 |
| Memoranda: | ||
| Average total assets | $1,143,417,000 | 761 |
| Average earning assets | $1,079,107,000 | 742 |
| Average equity | $115,677,333 | 838 |
| Average total loans | $910,066,000 | 687 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 3,831 |
| Cost of funding earning assets | 1.0462% | 1,235 |
| Net interest margin | 2.9397% | 4,369 |
| Noninterest income to average assets | 0.3399% | 3,486 |
| Noninterest expense to average assets | 2.4726% | 3,352 |
| Loan and lease loss provision to assets | 0.2286% | 1,354 |
| Net operating income to assets | 0.3381% | 4,263 |
| Return on assets (ROA) | 0.3381% | 4,298 |
| Pretax return on assets | 0.4111% | 4,273 |
| Return on Equity (ROE) | 3.3224% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.3224% | 2,948 |
| Net charge-offs to loans | 0.0209% | 1,950 |
| Credit loss provision to net charge-offs | 1,372.3404% | 466 |
| Earnings coverage of net charge-offs (x) | 38.4043% | 1,046 |
| Efficiency ratio | 79.3669% | 1,204 |
| Assets per employee ($millions) | 7.5204% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 4,695 |
| Loan loss allowance to noncurrent loans | 188.7206% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,344 |
| Noncurrent loans to loans | 0.3425% | 3,267 |
| Net loans and leases to total assets | 78.2327% | 945 |
| Net loans and leases to deposits | 93.1449% | 1,166 |
| Net loans and leases to core deposits | 110.4901% | 831 |
| Total domestic deposits to total assets | 83.9904% | 2,793 |
| Equity capital to assets | 10.0816% | 3,704 |
| Core capital (leverage) ratio | 10.8070% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8427% | 1,386 |
| Memoranda: | ||
| Average total assets | $1,128,710,500 | 741 |
| Average earning assets | $1,064,456,500 | 719 |
| Average equity | $114,857,500 | 834 |
| Average total loans | $899,172,000 | 670 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 4,123 |
| Cost of funding earning assets | 1.1113% | 1,282 |
| Net interest margin | 2.9514% | 4,573 |
| Noninterest income to average assets | 0.3789% | 3,435 |
| Noninterest expense to average assets | 2.4136% | 3,648 |
| Loan and lease loss provision to assets | 0.0428% | 3,152 |
| Net operating income to assets | 0.5528% | 4,281 |
| Return on assets (ROA) | 0.5528% | 4,338 |
| Pretax return on assets | 0.7065% | 4,199 |
| Return on Equity (ROE) | 5.4788% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.4788% | 2,176 |
| Net charge-offs to loans | 0.0006% | 3,715 |
| Credit loss provision to net charge-offs | 9,520.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,667.8000% | 47 |
| Efficiency ratio | 76.2321% | 1,339 |
| Assets per employee ($millions) | 7.4281% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 4,763 |
| Loan loss allowance to noncurrent loans | 312.2922% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 3,842 |
| Noncurrent loans to loans | 0.1887% | 3,776 |
| Net loans and leases to total assets | 80.1470% | 761 |
| Net loans and leases to deposits | 94.8657% | 1,067 |
| Net loans and leases to core deposits | 112.9748% | 719 |
| Total domestic deposits to total assets | 84.4846% | 2,690 |
| Equity capital to assets | 10.2741% | 3,651 |
| Core capital (leverage) ratio | 10.8402% | 2,645 |
| Tier 1 risk-based capital ratio | 16.2439% | 2,316 |
| Total risk-based capital ratio | 16.9477% | 2,442 |
| Memoranda: | ||
| Average total assets | $1,113,021,200 | 715 |
| Average earning assets | $1,049,879,400 | 692 |
| Average equity | $112,306,200 | 813 |
| Average total loans | $887,015,600 | 649 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 4,211 |
| Cost of funding earning assets | 1.1017% | 1,347 |
| Net interest margin | 2.9737% | 4,657 |
| Noninterest income to average assets | 0.3664% | 3,521 |
| Noninterest expense to average assets | 2.4314% | 3,605 |
| Loan and lease loss provision to assets | 0.0240% | 3,415 |
| Net operating income to assets | 0.5600% | 4,387 |
| Return on assets (ROA) | 0.5600% | 4,440 |
| Pretax return on assets | 0.7167% | 4,310 |
| Return on Equity (ROE) | 5.5747% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.5747% | 2,586 |
| Net charge-offs to loans | -0.0002% | 3,957 |
| Credit loss provision to net charge-offs | -20,100.0000% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5660% | 1,260 |
| Assets per employee ($millions) | 7.7864% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 4,869 |
| Loan loss allowance to noncurrent loans | 339.9183% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 4,048 |
| Noncurrent loans to loans | 0.1676% | 3,937 |
| Net loans and leases to total assets | 76.5886% | 1,378 |
| Net loans and leases to deposits | 92.3305% | 1,395 |
| Net loans and leases to core deposits | 108.2605% | 1,039 |
| Total domestic deposits to total assets | 82.9506% | 3,189 |
| Equity capital to assets | 10.1165% | 3,899 |
| Core capital (leverage) ratio | 10.6614% | 2,965 |
| Tier 1 risk-based capital ratio | 16.4289% | 2,295 |
| Total risk-based capital ratio | 17.1126% | 2,425 |
| Memoranda: | ||
| Average total assets | $1,114,578,000 | 712 |
| Average earning assets | $1,051,603,750 | 693 |
| Average equity | $111,954,500 | 810 |
| Average total loans | $885,689,250 | 653 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 4,217 |
| Cost of funding earning assets | 1.0770% | 1,389 |
| Net interest margin | 3.0008% | 4,685 |
| Noninterest income to average assets | 0.3411% | 3,653 |
| Noninterest expense to average assets | 2.4831% | 3,535 |
| Loan and lease loss provision to assets | 0.0350% | 3,124 |
| Net operating income to assets | 0.5116% | 4,506 |
| Return on assets (ROA) | 0.5116% | 4,539 |
| Pretax return on assets | 0.6530% | 4,443 |
| Return on Equity (ROE) | 5.1056% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.1056% | 2,716 |
| Net charge-offs to loans | -0.0002% | 3,862 |
| Credit loss provision to net charge-offs | -19,400.0000% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2170% | 1,121 |
| Assets per employee ($millions) | 7.6655% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5513% | 4,949 |
| Loan loss allowance to noncurrent loans | 304.0268% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,993 |
| Noncurrent loans to loans | 0.1813% | 3,911 |
| Net loans and leases to total assets | 79.7679% | 920 |
| Net loans and leases to deposits | 98.6137% | 787 |
| Net loans and leases to core deposits | 116.1575% | 681 |
| Total domestic deposits to total assets | 80.8893% | 3,849 |
| Equity capital to assets | 10.0293% | 3,952 |
| Core capital (leverage) ratio | 10.5610% | 3,019 |
| Tier 1 risk-based capital ratio | 15.8952% | 2,459 |
| Total risk-based capital ratio | 16.5661% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,107,167,000 | 718 |
| Average earning assets | $1,044,198,000 | 696 |
| Average equity | $110,937,670 | 813 |
| Average total loans | $889,033,000 | 648 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 4,221 |
| Cost of funding earning assets | 1.0325% | 1,437 |
| Net interest margin | 3.0326% | 4,704 |
| Noninterest income to average assets | 0.3259% | 3,674 |
| Noninterest expense to average assets | 2.3745% | 3,835 |
| Loan and lease loss provision to assets | 0.0135% | 3,262 |
| Net operating income to assets | 0.6153% | 4,192 |
| Return on assets (ROA) | 0.6153% | 4,232 |
| Pretax return on assets | 0.7965% | 4,054 |
| Return on Equity (ROE) | 6.1438% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.1438% | 2,389 |
| Net charge-offs to loans | -0.0005% | 3,792 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4734% | 1,685 |
| Assets per employee ($millions) | 7.4967% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 5,039 |
| Loan loss allowance to noncurrent loans | 378.5098% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,188 |
| Noncurrent loans to loans | 0.1415% | 4,109 |
| Net loans and leases to total assets | 80.2352% | 804 |
| Net loans and leases to deposits | 98.3459% | 759 |
| Net loans and leases to core deposits | 115.7742% | 655 |
| Total domestic deposits to total assets | 81.5847% | 3,838 |
| Equity capital to assets | 9.9499% | 3,873 |
| Core capital (leverage) ratio | 10.6285% | 2,915 |
| Tier 1 risk-based capital ratio | 15.5499% | 2,629 |
| Total risk-based capital ratio | 16.1918% | 2,831 |
| Memoranda: | ||
| Average total assets | $1,097,334,000 | 724 |
| Average earning assets | $1,034,343,000 | 706 |
| Average equity | $109,900,000 | 817 |
| Average total loans | $881,632,500 | 660 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 4,319 |
| Cost of funding earning assets | 0.7179% | 1,980 |
| Net interest margin | 3.1628% | 4,553 |
| Noninterest income to average assets | 0.3488% | 3,776 |
| Noninterest expense to average assets | 2.4998% | 3,616 |
| Loan and lease loss provision to assets | 0.0008% | 4,077 |
| Net operating income to assets | 0.6349% | 4,326 |
| Return on assets (ROA) | 0.6349% | 4,331 |
| Pretax return on assets | 0.8198% | 4,113 |
| Return on Equity (ROE) | 6.4347% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.4347% | 1,959 |
| Net charge-offs to loans | -0.0062% | 4,393 |
| Credit loss provision to net charge-offs | -15.3846% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1812% | 1,469 |
| Assets per employee ($millions) | 6.9978% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 5,052 |
| Loan loss allowance to noncurrent loans | 372.8972% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,181 |
| Noncurrent loans to loans | 0.1489% | 4,077 |
| Net loans and leases to total assets | 79.5629% | 1,008 |
| Net loans and leases to deposits | 95.9426% | 1,076 |
| Net loans and leases to core deposits | 111.5401% | 906 |
| Total domestic deposits to total assets | 82.9276% | 3,352 |
| Equity capital to assets | 10.0829% | 3,595 |
| Core capital (leverage) ratio | 10.8712% | 2,657 |
| Tier 1 risk-based capital ratio | 16.3871% | 2,275 |
| Total risk-based capital ratio | 17.0682% | 2,408 |
| Memoranda: | ||
| Average total assets | $1,055,365,200 | 729 |
| Average earning assets | $991,560,000 | 715 |
| Average equity | $104,122,600 | 822 |
| Average total loans | $839,399,600 | 666 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 4,294 |
| Cost of funding earning assets | 0.6727% | 2,016 |
| Net interest margin | 3.1918% | 4,528 |
| Noninterest income to average assets | 0.3389% | 3,889 |
| Noninterest expense to average assets | 2.4719% | 3,674 |
| Loan and lease loss provision to assets | 0.0006% | 3,941 |
| Net operating income to assets | 0.6658% | 4,332 |
| Return on assets (ROA) | 0.6658% | 4,346 |
| Pretax return on assets | 0.8642% | 4,132 |
| Return on Equity (ROE) | 6.7864% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.7864% | 2,245 |
| Net charge-offs to loans | -0.0099% | 4,390 |
| Credit loss provision to net charge-offs | -8.0645% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9761% | 1,599 |
| Assets per employee ($millions) | 6.6843% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 5,069 |
| Loan loss allowance to noncurrent loans | 444.3930% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 4,404 |
| Noncurrent loans to loans | 0.1314% | 4,290 |
| Net loans and leases to total assets | 78.2752% | 1,299 |
| Net loans and leases to deposits | 92.7750% | 1,523 |
| Net loans and leases to core deposits | 106.5740% | 1,264 |
| Total domestic deposits to total assets | 84.3711% | 2,826 |
| Equity capital to assets | 10.0947% | 3,545 |
| Core capital (leverage) ratio | 10.8286% | 2,762 |
| Tier 1 risk-based capital ratio | 16.8200% | 2,164 |
| Total risk-based capital ratio | 17.5291% | 2,283 |
| Memoranda: | ||
| Average total assets | $1,049,789,750 | 729 |
| Average earning assets | $985,995,000 | 716 |
| Average equity | $102,988,250 | 829 |
| Average total loans | $833,696,750 | 664 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 4,274 |
| Cost of funding earning assets | 0.6411% | 1,980 |
| Net interest margin | 3.1886% | 4,532 |
| Noninterest income to average assets | 0.3287% | 3,990 |
| Noninterest expense to average assets | 2.5274% | 3,559 |
| Loan and lease loss provision to assets | 0.0010% | 3,777 |
| Net operating income to assets | 0.6146% | 4,448 |
| Return on assets (ROA) | 0.6146% | 4,455 |
| Pretax return on assets | 0.7955% | 4,260 |
| Return on Equity (ROE) | 6.3249% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.3249% | 2,401 |
| Net charge-offs to loans | -0.0048% | 4,091 |
| Credit loss provision to net charge-offs | -25.0000% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9293% | 1,433 |
| Assets per employee ($millions) | 6.8300% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5637% | 5,173 |
| Loan loss allowance to noncurrent loans | 1,814.1221% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,855 |
| Noncurrent loans to loans | 0.0311% | 4,781 |
| Net loans and leases to total assets | 79.1943% | 1,131 |
| Net loans and leases to deposits | 93.6080% | 1,403 |
| Net loans and leases to core deposits | 107.3620% | 1,159 |
| Total domestic deposits to total assets | 84.6020% | 2,838 |
| Equity capital to assets | 9.7736% | 3,850 |
| Core capital (leverage) ratio | 10.5722% | 2,955 |
| Tier 1 risk-based capital ratio | 16.3089% | 2,327 |
| Total risk-based capital ratio | 17.0027% | 2,475 |
| Memoranda: | ||
| Average total assets | $1,052,137,670 | 730 |
| Average earning assets | $988,325,000 | 719 |
| Average equity | $102,230,330 | 837 |
| Average total loans | $837,926,670 | 659 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,214 |
| Cost of funding earning assets | 0.6088% | 1,997 |
| Net interest margin | 3.1931% | 4,489 |
| Noninterest income to average assets | 0.3139% | 4,056 |
| Noninterest expense to average assets | 2.4750% | 3,730 |
| Loan and lease loss provision to assets | 0.0008% | 3,505 |
| Net operating income to assets | 0.6441% | 4,300 |
| Return on assets (ROA) | 0.6441% | 4,310 |
| Pretax return on assets | 0.8363% | 4,065 |
| Return on Equity (ROE) | 6.6489% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.6489% | 2,429 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6114% | 1,807 |
| Assets per employee ($millions) | 6.7586% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 5,253 |
| Loan loss allowance to noncurrent loans | 1,176.6169% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,862 |
| Noncurrent loans to loans | 0.0475% | 4,763 |
| Net loans and leases to total assets | 79.2577% | 1,038 |
| Net loans and leases to deposits | 94.5125% | 1,184 |
| Net loans and leases to core deposits | 108.0671% | 1,118 |
| Total domestic deposits to total assets | 83.8595% | 3,383 |
| Equity capital to assets | 9.6196% | 3,974 |
| Core capital (leverage) ratio | 10.5198% | 2,924 |
| Tier 1 risk-based capital ratio | 15.9455% | 2,503 |
| Total risk-based capital ratio | 16.6301% | 2,646 |
| Memoranda: | ||
| Average total assets | $1,048,881,500 | 731 |
| Average earning assets | $984,859,500 | 720 |
| Average equity | $101,611,500 | 841 |
| Average total loans | $835,318,500 | 658 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7166% | 4,297 |
| Cost of funding earning assets | 0.5596% | 1,885 |
| Net interest margin | 3.1570% | 4,554 |
| Noninterest income to average assets | 0.3635% | 3,869 |
| Noninterest expense to average assets | 2.6326% | 3,345 |
| Loan and lease loss provision to assets | 0.0070% | 4,126 |
| Net operating income to assets | 0.2120% | 5,090 |
| Return on assets (ROA) | 0.2120% | 5,105 |
| Pretax return on assets | 0.6688% | 4,584 |
| Return on Equity (ROE) | 2.1927% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.1927% | 4,009 |
| Net charge-offs to loans | 0.0042% | 3,950 |
| Credit loss provision to net charge-offs | 211.7647% | 1,289 |
| Earnings coverage of net charge-offs (x) | 205.7647% | 390 |
| Efficiency ratio | 79.2467% | 1,191 |
| Assets per employee ($millions) | 6.3991% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 5,292 |
| Loan loss allowance to noncurrent loans | 1,167.4074% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,884 |
| Noncurrent loans to loans | 0.0491% | 4,770 |
| Net loans and leases to total assets | 79.1169% | 1,093 |
| Net loans and leases to deposits | 94.9499% | 1,181 |
| Net loans and leases to core deposits | 108.0518% | 1,128 |
| Total domestic deposits to total assets | 83.3249% | 3,455 |
| Equity capital to assets | 9.7572% | 3,959 |
| Core capital (leverage) ratio | 10.3526% | 3,011 |
| Tier 1 risk-based capital ratio | 15.6989% | 2,550 |
| Total risk-based capital ratio | 16.3830% | 2,714 |
| Memoranda: | ||
| Average total assets | $1,035,247,600 | 716 |
| Average earning assets | $965,702,800 | 700 |
| Average equity | $100,103,600 | 825 |
| Average total loans | $811,923,000 | 649 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,339 |
| Cost of funding earning assets | 0.5495% | 1,896 |
| Net interest margin | 3.1421% | 4,597 |
| Noninterest income to average assets | 0.3570% | 3,976 |
| Noninterest expense to average assets | 2.6469% | 3,257 |
| Loan and lease loss provision to assets | 0.0005% | 4,081 |
| Net operating income to assets | 0.4392% | 4,902 |
| Return on assets (ROA) | 0.4392% | 4,931 |
| Pretax return on assets | 0.6367% | 4,765 |
| Return on Equity (ROE) | 4.5524% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5524% | 3,185 |
| Net charge-offs to loans | 0.0003% | 3,791 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 2,469.8502% | 29 |
| Efficiency ratio | 80.4598% | 1,051 |
| Assets per employee ($millions) | 6.4279% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 5,382 |
| Loan loss allowance to noncurrent loans | 628.1124% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,831 |
| Noncurrent loans to loans | 0.0903% | 4,705 |
| Net loans and leases to total assets | 77.5662% | 1,336 |
| Net loans and leases to deposits | 93.2951% | 1,382 |
| Net loans and leases to core deposits | 106.2821% | 1,253 |
| Total domestic deposits to total assets | 83.1407% | 3,416 |
| Equity capital to assets | 9.8231% | 4,118 |
| Core capital (leverage) ratio | 10.3298% | 3,167 |
| Tier 1 risk-based capital ratio | 15.7198% | 2,616 |
| Total risk-based capital ratio | 16.3985% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,034,894,000 | 719 |
| Average earning assets | $964,082,250 | 709 |
| Average equity | $99,842,250 | 827 |
| Average total loans | $808,678,000 | 651 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,252 |
| Cost of funding earning assets | 0.5339% | 1,886 |
| Net interest margin | 3.1577% | 4,526 |
| Noninterest income to average assets | 0.3552% | 4,017 |
| Noninterest expense to average assets | 2.7293% | 2,983 |
| Loan and lease loss provision to assets | 0.0004% | 3,868 |
| Net operating income to assets | 0.3940% | 4,986 |
| Return on assets (ROA) | 0.3940% | 5,014 |
| Pretax return on assets | 0.5612% | 4,879 |
| Return on Equity (ROE) | 4.1100% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.1100% | 3,262 |
| Net charge-offs to loans | 0.0002% | 3,510 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 2,882.0000% | 13 |
| Efficiency ratio | 82.7925% | 940 |
| Assets per employee ($millions) | 6.2520% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 5,436 |
| Loan loss allowance to noncurrent loans | 1,135.8354% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 5,024 |
| Noncurrent loans to loans | 0.0496% | 4,942 |
| Net loans and leases to total assets | 78.8566% | 1,116 |
| Net loans and leases to deposits | 93.9285% | 1,272 |
| Net loans and leases to core deposits | 106.4281% | 1,198 |
| Total domestic deposits to total assets | 83.9539% | 3,215 |
| Equity capital to assets | 9.4896% | 4,410 |
| Core capital (leverage) ratio | 10.0669% | 3,448 |
| Tier 1 risk-based capital ratio | 14.9690% | 2,943 |
| Total risk-based capital ratio | 15.6424% | 3,147 |
| Memoranda: | ||
| Average total assets | $1,026,326,330 | 731 |
| Average earning assets | $954,174,330 | 717 |
| Average equity | $98,395,330 | 840 |
| Average total loans | $802,451,670 | 658 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,176 |
| Cost of funding earning assets | 0.5161% | 1,964 |
| Net interest margin | 3.1626% | 4,463 |
| Noninterest income to average assets | 0.3541% | 4,007 |
| Noninterest expense to average assets | 2.7798% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3593% | 5,049 |
| Return on assets (ROA) | 0.3593% | 5,071 |
| Pretax return on assets | 0.5107% | 4,944 |
| Return on Equity (ROE) | 3.7276% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.7276% | 3,581 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3241% | 942 |
| Assets per employee ($millions) | 6.0618% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 5,502 |
| Loan loss allowance to noncurrent loans | 696.8796% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,961 |
| Noncurrent loans to loans | 0.0841% | 4,862 |
| Net loans and leases to total assets | 78.1181% | 1,120 |
| Net loans and leases to deposits | 90.7376% | 1,459 |
| Net loans and leases to core deposits | 102.7957% | 1,308 |
| Total domestic deposits to total assets | 86.0924% | 2,628 |
| Equity capital to assets | 9.6512% | 4,122 |
| Core capital (leverage) ratio | 10.2104% | 3,228 |
| Tier 1 risk-based capital ratio | 15.2513% | 2,854 |
| Total risk-based capital ratio | 15.9447% | 3,042 |
| Memoranda: | ||
| Average total assets | $1,014,317,500 | 742 |
| Average earning assets | $941,753,500 | 729 |
| Average equity | $97,756,500 | 841 |
| Average total loans | $787,199,000 | 670 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,447 |
| Cost of funding earning assets | 0.5317% | 1,857 |
| Net interest margin | 3.0938% | 4,743 |
| Noninterest income to average assets | 0.4073% | 3,822 |
| Noninterest expense to average assets | 2.7140% | 3,304 |
| Loan and lease loss provision to assets | 0.0186% | 4,003 |
| Net operating income to assets | 0.3854% | 4,994 |
| Return on assets (ROA) | 0.4147% | 4,977 |
| Pretax return on assets | 0.5893% | 4,819 |
| Return on Equity (ROE) | 4.2743% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.2743% | 2,865 |
| Net charge-offs to loans | 0.0009% | 4,256 |
| Credit loss provision to net charge-offs | 2,657.1429% | 155 |
| Earnings coverage of net charge-offs (x) | 807.7143% | 93 |
| Efficiency ratio | 82.5504% | 1,138 |
| Assets per employee ($millions) | 6.1227% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 5,518 |
| Loan loss allowance to noncurrent loans | 595.9339% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,977 |
| Noncurrent loans to loans | 0.1017% | 4,825 |
| Net loans and leases to total assets | 76.1668% | 1,491 |
| Net loans and leases to deposits | 88.6992% | 1,845 |
| Net loans and leases to core deposits | 100.7963% | 1,553 |
| Total domestic deposits to total assets | 85.8709% | 2,646 |
| Equity capital to assets | 9.6240% | 4,148 |
| Core capital (leverage) ratio | 10.1890% | 3,238 |
| Tier 1 risk-based capital ratio | 15.5282% | 2,742 |
| Total risk-based capital ratio | 16.2403% | 2,908 |
| Memoranda: | ||
| Average total assets | $998,854,200 | 726 |
| Average earning assets | $927,514,600 | 715 |
| Average equity | $96,904,800 | 815 |
| Average total loans | $745,793,000 | 667 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 4,468 |
| Cost of funding earning assets | 0.5311% | 1,868 |
| Net interest margin | 3.0991% | 4,781 |
| Noninterest income to average assets | 0.3806% | 4,064 |
| Noninterest expense to average assets | 2.6814% | 3,394 |
| Loan and lease loss provision to assets | 0.0244% | 3,760 |
| Net operating income to assets | 0.3864% | 5,065 |
| Return on assets (ROA) | 0.4256% | 5,031 |
| Pretax return on assets | 0.6090% | 4,853 |
| Return on Equity (ROE) | 4.3776% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.3776% | 3,221 |
| Net charge-offs to loans | 0.0013% | 3,907 |
| Credit loss provision to net charge-offs | 2,600.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 616.3473% | 149 |
| Efficiency ratio | 82.0818% | 1,178 |
| Assets per employee ($millions) | 6.0303% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 5,583 |
| Loan loss allowance to noncurrent loans | 628.9933% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 5,097 |
| Noncurrent loans to loans | 0.0975% | 4,953 |
| Net loans and leases to total assets | 75.3801% | 1,640 |
| Net loans and leases to deposits | 88.0614% | 2,010 |
| Net loans and leases to core deposits | 100.3774% | 1,597 |
| Total domestic deposits to total assets | 85.5994% | 2,558 |
| Equity capital to assets | 9.7948% | 4,365 |
| Core capital (leverage) ratio | 10.0965% | 3,447 |
| Tier 1 risk-based capital ratio | 15.6107% | 2,786 |
| Total risk-based capital ratio | 16.3328% | 2,948 |
| Memoranda: | ||
| Average total assets | $996,004,500 | 731 |
| Average earning assets | $925,025,000 | 717 |
| Average equity | $96,824,250 | 820 |
| Average total loans | $738,699,500 | 679 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 4,484 |
| Cost of funding earning assets | 0.5250% | 1,902 |
| Net interest margin | 3.1117% | 4,799 |
| Noninterest income to average assets | 0.3666% | 4,131 |
| Noninterest expense to average assets | 2.6955% | 3,412 |
| Loan and lease loss provision to assets | 0.0367% | 3,427 |
| Net operating income to assets | 0.3628% | 5,145 |
| Return on assets (ROA) | 0.4192% | 5,062 |
| Pretax return on assets | 0.6059% | 4,869 |
| Return on Equity (ROE) | 4.3235% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.3235% | 3,169 |
| Net charge-offs to loans | 0.0019% | 3,646 |
| Credit loss provision to net charge-offs | 2,600.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 397.4286% | 174 |
| Efficiency ratio | 82.5638% | 1,207 |
| Assets per employee ($millions) | 5.9315% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 5,651 |
| Loan loss allowance to noncurrent loans | 544.2509% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 5,116 |
| Noncurrent loans to loans | 0.1142% | 4,989 |
| Net loans and leases to total assets | 75.1906% | 1,617 |
| Net loans and leases to deposits | 88.2241% | 1,960 |
| Net loans and leases to core deposits | 100.7662% | 1,577 |
| Total domestic deposits to total assets | 85.2268% | 2,772 |
| Equity capital to assets | 9.8125% | 4,436 |
| Core capital (leverage) ratio | 10.0698% | 3,488 |
| Tier 1 risk-based capital ratio | 15.5460% | 2,842 |
| Total risk-based capital ratio | 16.2724% | 3,009 |
| Memoranda: | ||
| Average total assets | $992,318,670 | 731 |
| Average earning assets | $921,480,670 | 715 |
| Average equity | $96,219,000 | 824 |
| Average total loans | $730,329,330 | 685 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,566 |
| Cost of funding earning assets | 0.5210% | 1,936 |
| Net interest margin | 3.0994% | 4,862 |
| Noninterest income to average assets | 0.3692% | 4,084 |
| Noninterest expense to average assets | 2.7181% | 3,355 |
| Loan and lease loss provision to assets | 0.0456% | 3,005 |
| Net operating income to assets | 0.3502% | 5,146 |
| Return on assets (ROA) | 0.3502% | 5,231 |
| Pretax return on assets | 0.4912% | 5,106 |
| Return on Equity (ROE) | 3.6338% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.6338% | 3,675 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2589% | 1,230 |
| Assets per employee ($millions) | 5.9649% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 5,703 |
| Loan loss allowance to noncurrent loans | 424.6097% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 5,088 |
| Noncurrent loans to loans | 0.1485% | 4,876 |
| Net loans and leases to total assets | 73.1455% | 1,860 |
| Net loans and leases to deposits | 85.2634% | 2,163 |
| Net loans and leases to core deposits | 97.2489% | 1,688 |
| Total domestic deposits to total assets | 85.7876% | 2,770 |
| Equity capital to assets | 9.6874% | 4,462 |
| Core capital (leverage) ratio | 10.0790% | 3,440 |
| Tier 1 risk-based capital ratio | 15.3691% | 2,986 |
| Total risk-based capital ratio | 16.0872% | 3,168 |
| Memoranda: | ||
| Average total assets | $990,235,500 | 733 |
| Average earning assets | $921,996,500 | 716 |
| Average equity | $95,438,500 | 829 |
| Average total loans | $718,519,500 | 693 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 5,025 |
| Cost of funding earning assets | 0.5266% | 1,950 |
| Net interest margin | 2.9340% | 5,283 |
| Noninterest income to average assets | 0.3944% | 4,067 |
| Noninterest expense to average assets | 2.6730% | 3,680 |
| Loan and lease loss provision to assets | 0.0403% | 3,532 |
| Net operating income to assets | 0.2899% | 5,389 |
| Return on assets (ROA) | 0.3607% | 5,259 |
| Pretax return on assets | 0.4678% | 5,183 |
| Return on Equity (ROE) | 3.7818% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.7818% | 3,349 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7357% | 1,016 |
| Assets per employee ($millions) | 5.9297% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 5,738 |
| Loan loss allowance to noncurrent loans | 393.6300% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 5,076 |
| Noncurrent loans to loans | 0.1628% | 4,841 |
| Net loans and leases to total assets | 71.0404% | 2,190 |
| Net loans and leases to deposits | 82.3439% | 2,543 |
| Net loans and leases to core deposits | 93.6254% | 2,083 |
| Total domestic deposits to total assets | 86.2729% | 2,503 |
| Equity capital to assets | 9.5880% | 4,451 |
| Core capital (leverage) ratio | 9.8781% | 3,674 |
| Tier 1 risk-based capital ratio | 15.5735% | 2,896 |
| Total risk-based capital ratio | 16.3056% | 3,083 |
| Memoranda: | ||
| Average total assets | $965,326,400 | 718 |
| Average earning assets | $892,906,600 | 710 |
| Average equity | $92,073,400 | 822 |
| Average total loans | $659,112,000 | 715 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 5,103 |
| Cost of funding earning assets | 0.5245% | 2,003 |
| Net interest margin | 2.9223% | 5,369 |
| Noninterest income to average assets | 0.3975% | 4,103 |
| Noninterest expense to average assets | 2.6321% | 3,765 |
| Loan and lease loss provision to assets | 0.0322% | 3,594 |
| Net operating income to assets | 0.3138% | 5,414 |
| Return on assets (ROA) | 0.3978% | 5,263 |
| Pretax return on assets | 0.5157% | 5,183 |
| Return on Equity (ROE) | 4.1763% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.1763% | 3,493 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8076% | 1,099 |
| Assets per employee ($millions) | 5.7915% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 5,825 |
| Loan loss allowance to noncurrent loans | 362.2296% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 5,203 |
| Noncurrent loans to loans | 0.1780% | 4,943 |
| Net loans and leases to total assets | 68.9475% | 2,543 |
| Net loans and leases to deposits | 80.6355% | 2,805 |
| Net loans and leases to core deposits | 91.9317% | 2,274 |
| Total domestic deposits to total assets | 85.5051% | 2,779 |
| Equity capital to assets | 9.7134% | 4,502 |
| Core capital (leverage) ratio | 9.7747% | 3,934 |
| Tier 1 risk-based capital ratio | 15.8107% | 2,891 |
| Total risk-based capital ratio | 16.5339% | 3,086 |
| Memoranda: | ||
| Average total assets | $960,573,500 | 725 |
| Average earning assets | $886,486,750 | 719 |
| Average equity | $91,497,250 | 837 |
| Average total loans | $647,942,750 | 728 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 5,164 |
| Cost of funding earning assets | 0.5178% | 2,086 |
| Net interest margin | 2.9124% | 5,421 |
| Noninterest income to average assets | 0.4132% | 3,981 |
| Noninterest expense to average assets | 2.6049% | 3,891 |
| Loan and lease loss provision to assets | 0.0059% | 3,984 |
| Net operating income to assets | 0.3518% | 5,293 |
| Return on assets (ROA) | 0.4747% | 4,969 |
| Pretax return on assets | 0.6183% | 4,932 |
| Return on Equity (ROE) | 5.0169% | 4,608 |
| Retained earnings to average equity (ytd only) | 5.0169% | 2,854 |
| Net charge-offs to loans | -0.0016% | 4,568 |
| Credit loss provision to net charge-offs | -560.0000% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6566% | 1,302 |
| Assets per employee ($millions) | 5.6986% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 5,926 |
| Loan loss allowance to noncurrent loans | 330.5489% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 5,292 |
| Noncurrent loans to loans | 0.1906% | 5,015 |
| Net loans and leases to total assets | 66.4885% | 2,869 |
| Net loans and leases to deposits | 77.0580% | 3,152 |
| Net loans and leases to core deposits | 86.9985% | 2,655 |
| Total domestic deposits to total assets | 86.2837% | 2,535 |
| Equity capital to assets | 9.4569% | 4,701 |
| Core capital (leverage) ratio | 9.6754% | 4,034 |
| Tier 1 risk-based capital ratio | 16.3697% | 2,671 |
| Total risk-based capital ratio | 17.0889% | 2,897 |
| Memoranda: | ||
| Average total assets | $956,440,330 | 733 |
| Average earning assets | $884,079,670 | 724 |
| Average equity | $90,493,330 | 848 |
| Average total loans | $638,858,670 | 734 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,217 |
| Cost of funding earning assets | 0.5135% | 2,170 |
| Net interest margin | 2.8790% | 5,493 |
| Noninterest income to average assets | 0.3186% | 4,638 |
| Noninterest expense to average assets | 2.5434% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3152% | 5,359 |
| Return on assets (ROA) | 0.5649% | 4,528 |
| Pretax return on assets | 0.6868% | 4,627 |
| Return on Equity (ROE) | 5.9692% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.9692% | 2,519 |
| Net charge-offs to loans | -0.0013% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2987% | 1,245 |
| Assets per employee ($millions) | 5.9882% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6350% | 6,008 |
| Loan loss allowance to noncurrent loans | 242.0188% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,204 |
| Noncurrent loans to loans | 0.2624% | 4,844 |
| Net loans and leases to total assets | 64.9150% | 2,958 |
| Net loans and leases to deposits | 75.5626% | 3,109 |
| Net loans and leases to core deposits | 85.2343% | 2,627 |
| Total domestic deposits to total assets | 85.9089% | 2,990 |
| Equity capital to assets | 9.3385% | 4,919 |
| Core capital (leverage) ratio | 10.0261% | 3,566 |
| Tier 1 risk-based capital ratio | 16.1970% | 2,825 |
| Total risk-based capital ratio | 16.1970% | 3,388 |
| Memoranda: | ||
| Average total assets | $941,729,500 | 740 |
| Average earning assets | $870,166,500 | 736 |
| Average equity | $89,124,000 | 863 |
| Average total loans | $628,468,000 | 742 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 5,404 |
| Cost of funding earning assets | 0.5181% | 2,505 |
| Net interest margin | 2.9487% | 5,554 |
| Noninterest income to average assets | 0.3136% | 4,879 |
| Noninterest expense to average assets | 2.6399% | 4,090 |
| Loan and lease loss provision to assets | 0.0359% | 3,874 |
| Net operating income to assets | 0.2612% | 5,618 |
| Return on assets (ROA) | 0.2833% | 5,634 |
| Pretax return on assets | 0.4044% | 5,476 |
| Return on Equity (ROE) | 2.8887% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.8887% | 4,183 |
| Net charge-offs to loans | 0.0389% | 4,045 |
| Credit loss provision to net charge-offs | 139.9103% | 1,697 |
| Earnings coverage of net charge-offs (x) | 15.9417% | 2,051 |
| Efficiency ratio | 86.4836% | 1,122 |
| Assets per employee ($millions) | 5.5588% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 6,029 |
| Loan loss allowance to noncurrent loans | 297.6173% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 5,333 |
| Noncurrent loans to loans | 0.2280% | 5,005 |
| Net loans and leases to total assets | 67.8431% | 2,580 |
| Net loans and leases to deposits | 79.1484% | 2,818 |
| Net loans and leases to core deposits | 88.4698% | 2,452 |
| Total domestic deposits to total assets | 85.7163% | 2,976 |
| Equity capital to assets | 9.6040% | 4,586 |
| Core capital (leverage) ratio | 9.6897% | 3,983 |
| Tier 1 risk-based capital ratio | 15.1068% | 3,434 |
| Total risk-based capital ratio | 15.8392% | 3,656 |
| Memoranda: | ||
| Average total assets | $869,776,000 | 769 |
| Average earning assets | $806,728,400 | 756 |
| Average equity | $85,297,200 | 866 |
| Average total loans | $572,813,000 | 772 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,515 |
| Cost of funding earning assets | 0.5112% | 2,649 |
| Net interest margin | 2.9305% | 5,635 |
| Noninterest income to average assets | 0.3254% | 4,828 |
| Noninterest expense to average assets | 2.6154% | 4,149 |
| Loan and lease loss provision to assets | 0.0117% | 4,184 |
| Net operating income to assets | 0.3031% | 5,565 |
| Return on assets (ROA) | 0.3287% | 5,566 |
| Pretax return on assets | 0.4565% | 5,451 |
| Return on Equity (ROE) | 3.3338% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.3338% | 4,242 |
| Net charge-offs to loans | 0.0537% | 3,447 |
| Credit loss provision to net charge-offs | 33.4802% | 3,396 |
| Earnings coverage of net charge-offs (x) | 12.3656% | 2,323 |
| Efficiency ratio | 85.6868% | 1,212 |
| Assets per employee ($millions) | 5.4374% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 6,146 |
| Loan loss allowance to noncurrent loans | 268.2792% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 5,484 |
| Noncurrent loans to loans | 0.2481% | 5,157 |
| Net loans and leases to total assets | 65.7833% | 2,903 |
| Net loans and leases to deposits | 76.5446% | 3,126 |
| Net loans and leases to core deposits | 85.4616% | 2,722 |
| Total domestic deposits to total assets | 85.9412% | 2,873 |
| Equity capital to assets | 9.8470% | 4,364 |
| Core capital (leverage) ratio | 9.6205% | 4,207 |
| Tier 1 risk-based capital ratio | 15.4198% | 3,360 |
| Total risk-based capital ratio | 16.1267% | 3,600 |
| Memoranda: | ||
| Average total assets | $864,867,500 | 773 |
| Average earning assets | $803,530,500 | 761 |
| Average equity | $85,266,750 | 867 |
| Average total loans | $564,135,000 | 786 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4484% | 5,525 |
| Cost of funding earning assets | 0.4989% | 2,845 |
| Net interest margin | 2.9495% | 5,637 |
| Noninterest income to average assets | 0.3246% | 4,816 |
| Noninterest expense to average assets | 2.6472% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2989% | 5,569 |
| Return on assets (ROA) | 0.3374% | 5,514 |
| Pretax return on assets | 0.4712% | 5,364 |
| Return on Equity (ROE) | 3.4208% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.4208% | 4,022 |
| Net charge-offs to loans | 0.0832% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.7371% | 2,584 |
| Efficiency ratio | 86.2511% | 1,251 |
| Assets per employee ($millions) | 5.6173% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 6,217 |
| Loan loss allowance to noncurrent loans | 252.0557% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 5,559 |
| Noncurrent loans to loans | 0.2668% | 5,220 |
| Net loans and leases to total assets | 63.6679% | 3,127 |
| Net loans and leases to deposits | 74.3965% | 3,279 |
| Net loans and leases to core deposits | 82.9057% | 2,867 |
| Total domestic deposits to total assets | 85.5793% | 3,253 |
| Equity capital to assets | 9.8038% | 4,350 |
| Core capital (leverage) ratio | 9.8217% | 3,854 |
| Tier 1 risk-based capital ratio | 15.7724% | 3,214 |
| Total risk-based capital ratio | 16.4862% | 3,453 |
| Memoranda: | ||
| Average total assets | $859,539,670 | 784 |
| Average earning assets | $798,564,670 | 767 |
| Average equity | $84,776,670 | 868 |
| Average total loans | $557,735,000 | 787 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 5,409 |
| Cost of funding earning assets | 0.5048% | 2,853 |
| Net interest margin | 2.9987% | 5,523 |
| Noninterest income to average assets | 0.3244% | 4,770 |
| Noninterest expense to average assets | 2.6248% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3389% | 5,360 |
| Return on assets (ROA) | 0.3904% | 5,220 |
| Pretax return on assets | 0.5573% | 4,991 |
| Return on Equity (ROE) | 3.9459% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.9459% | 3,746 |
| Net charge-offs to loans | 0.0917% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.0787% | 2,060 |
| Efficiency ratio | 84.2864% | 1,638 |
| Assets per employee ($millions) | 5.5505% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 6,268 |
| Loan loss allowance to noncurrent loans | 219.0690% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 5,447 |
| Noncurrent loans to loans | 0.3226% | 5,142 |
| Net loans and leases to total assets | 64.6266% | 2,786 |
| Net loans and leases to deposits | 74.6227% | 2,994 |
| Net loans and leases to core deposits | 83.1140% | 2,629 |
| Total domestic deposits to total assets | 86.6044% | 3,044 |
| Equity capital to assets | 9.9855% | 3,861 |
| Core capital (leverage) ratio | 9.8038% | 3,855 |
| Tier 1 risk-based capital ratio | 15.9537% | 3,191 |
| Total risk-based capital ratio | 16.7011% | 3,424 |
| Memoranda: | ||
| Average total assets | $848,354,500 | 803 |
| Average earning assets | $787,683,000 | 786 |
| Average equity | $83,934,500 | 875 |
| Average total loans | $553,955,000 | 791 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 5,485 |
| Cost of funding earning assets | 0.5830% | 2,806 |
| Net interest margin | 2.9853% | 5,611 |
| Noninterest income to average assets | 0.3248% | 5,013 |
| Noninterest expense to average assets | 2.6447% | 4,299 |
| Loan and lease loss provision to assets | 0.0004% | 5,089 |
| Net operating income to assets | 0.3083% | 5,496 |
| Return on assets (ROA) | 0.3483% | 5,455 |
| Pretax return on assets | 0.5037% | 5,200 |
| Return on Equity (ROE) | 3.6089% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.6089% | 3,658 |
| Net charge-offs to loans | 0.0028% | 5,421 |
| Credit loss provision to net charge-offs | 20.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | 251.4000% | 179 |
| Efficiency ratio | 85.4043% | 1,477 |
| Assets per employee ($millions) | 5.5031% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 6,312 |
| Loan loss allowance to noncurrent loans | 218.4724% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 5,566 |
| Noncurrent loans to loans | 0.3325% | 5,189 |
| Net loans and leases to total assets | 65.0332% | 2,858 |
| Net loans and leases to deposits | 74.9734% | 3,103 |
| Net loans and leases to core deposits | 83.8098% | 2,697 |
| Total domestic deposits to total assets | 86.7416% | 2,859 |
| Equity capital to assets | 9.8019% | 4,039 |
| Core capital (leverage) ratio | 9.7336% | 3,934 |
| Tier 1 risk-based capital ratio | 15.6200% | 3,294 |
| Total risk-based capital ratio | 16.3834% | 3,532 |
| Memoranda: | ||
| Average total assets | $845,465,800 | 784 |
| Average earning assets | $783,329,400 | 774 |
| Average equity | $81,604,200 | 875 |
| Average total loans | $533,927,000 | 792 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 5,495 |
| Cost of funding earning assets | 0.6003% | 2,806 |
| Net interest margin | 2.9805% | 5,640 |
| Noninterest income to average assets | 0.3191% | 5,138 |
| Noninterest expense to average assets | 2.5877% | 4,434 |
| Loan and lease loss provision to assets | 0.0005% | 4,938 |
| Net operating income to assets | 0.3397% | 5,471 |
| Return on assets (ROA) | 0.3397% | 5,598 |
| Pretax return on assets | 0.4918% | 5,378 |
| Return on Equity (ROE) | 3.5336% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.5336% | 4,182 |
| Net charge-offs to loans | 0.0025% | 5,162 |
| Credit loss provision to net charge-offs | 30.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | 312.0705% | 190 |
| Efficiency ratio | 83.8465% | 1,621 |
| Assets per employee ($millions) | 5.4116% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 6,371 |
| Loan loss allowance to noncurrent loans | 377.3832% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,006 |
| Noncurrent loans to loans | 0.1985% | 5,740 |
| Net loans and leases to total assets | 62.9630% | 3,175 |
| Net loans and leases to deposits | 72.8241% | 3,423 |
| Net loans and leases to core deposits | 80.9218% | 3,012 |
| Total domestic deposits to total assets | 86.4590% | 2,983 |
| Equity capital to assets | 9.3596% | 4,731 |
| Core capital (leverage) ratio | 9.7327% | 4,059 |
| Tier 1 risk-based capital ratio | 15.9039% | 3,251 |
| Total risk-based capital ratio | 16.6763% | 3,461 |
| Memoranda: | ||
| Average total assets | $844,962,000 | 789 |
| Average earning assets | $782,716,750 | 776 |
| Average equity | $81,238,000 | 887 |
| Average total loans | $528,614,500 | 796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,381 |
| Cost of funding earning assets | 0.6125% | 2,820 |
| Net interest margin | 3.0048% | 5,563 |
| Noninterest income to average assets | 0.3057% | 5,263 |
| Noninterest expense to average assets | 2.5786% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3448% | 5,425 |
| Return on assets (ROA) | 0.3448% | 5,598 |
| Pretax return on assets | 0.5098% | 5,337 |
| Return on Equity (ROE) | 3.5546% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.5546% | 4,055 |
| Net charge-offs to loans | 0.0038% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 244 |
| Efficiency ratio | 83.3154% | 1,714 |
| Assets per employee ($millions) | 5.5071% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 6,393 |
| Loan loss allowance to noncurrent loans | 217.4030% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,760 |
| Noncurrent loans to loans | 0.3580% | 5,384 |
| Net loans and leases to total assets | 60.2683% | 3,610 |
| Net loans and leases to deposits | 69.7190% | 3,754 |
| Net loans and leases to core deposits | 77.7159% | 3,333 |
| Total domestic deposits to total assets | 86.4446% | 3,145 |
| Equity capital to assets | 9.2140% | 4,973 |
| Core capital (leverage) ratio | 9.7975% | 3,795 |
| Tier 1 risk-based capital ratio | 16.4877% | 2,944 |
| Total risk-based capital ratio | 17.2947% | 3,110 |
| Memoranda: | ||
| Average total assets | $843,407,330 | 790 |
| Average earning assets | $781,092,670 | 775 |
| Average equity | $81,810,000 | 877 |
| Average total loans | $525,156,670 | 799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 5,299 |
| Cost of funding earning assets | 0.6236% | 2,892 |
| Net interest margin | 3.0288% | 5,488 |
| Noninterest income to average assets | 0.2849% | 5,427 |
| Noninterest expense to average assets | 2.5585% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3517% | 5,340 |
| Return on assets (ROA) | 0.3517% | 5,481 |
| Pretax return on assets | 0.5258% | 5,190 |
| Return on Equity (ROE) | 3.5352% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.5352% | 4,121 |
| Net charge-offs to loans | 0.0091% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 91.8333% | 416 |
| Efficiency ratio | 82.7506% | 1,924 |
| Assets per employee ($millions) | 5.5623% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 6,485 |
| Loan loss allowance to noncurrent loans | 172.2768% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 5,675 |
| Noncurrent loans to loans | 0.4545% | 5,283 |
| Net loans and leases to total assets | 60.4454% | 3,353 |
| Net loans and leases to deposits | 69.7264% | 3,535 |
| Net loans and leases to core deposits | 77.8809% | 3,084 |
| Total domestic deposits to total assets | 86.6894% | 3,134 |
| Equity capital to assets | 9.5853% | 4,731 |
| Core capital (leverage) ratio | 9.7317% | 3,752 |
| Tier 1 risk-based capital ratio | 16.8809% | 2,811 |
| Total risk-based capital ratio | 17.7141% | 2,976 |
| Memoranda: | ||
| Average total assets | $838,313,000 | 800 |
| Average earning assets | $774,817,000 | 789 |
| Average equity | $83,390,000 | 870 |
| Average total loans | $528,493,500 | 794 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 5,343 |
| Cost of funding earning assets | 0.6988% | 3,505 |
| Net interest margin | 3.2904% | 5,275 |
| Noninterest income to average assets | 0.3316% | 5,081 |
| Noninterest expense to average assets | 2.7602% | 4,181 |
| Loan and lease loss provision to assets | 0.0475% | 5,231 |
| Net operating income to assets | 0.3479% | 5,303 |
| Return on assets (ROA) | 0.4319% | 5,205 |
| Pretax return on assets | 0.6602% | 4,792 |
| Return on Equity (ROE) | 4.1320% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.1320% | 3,318 |
| Net charge-offs to loans | 0.0327% | 5,461 |
| Credit loss provision to net charge-offs | 226.9006% | 1,096 |
| Earnings coverage of net charge-offs (x) | 27.6257% | 1,067 |
| Efficiency ratio | 82.4677% | 1,809 |
| Assets per employee ($millions) | 5.5410% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 6,572 |
| Loan loss allowance to noncurrent loans | 82.1487% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 4,933 |
| Noncurrent loans to loans | 0.9086% | 4,363 |
| Net loans and leases to total assets | 64.7125% | 2,769 |
| Net loans and leases to deposits | 75.1789% | 2,925 |
| Net loans and leases to core deposits | 84.1742% | 2,529 |
| Total domestic deposits to total assets | 86.0780% | 3,314 |
| Equity capital to assets | 10.3157% | 3,736 |
| Core capital (leverage) ratio | 10.3681% | 2,929 |
| Tier 1 risk-based capital ratio | 17.9958% | 2,262 |
| Total risk-based capital ratio | 18.8425% | 2,385 |
| Memoranda: | ||
| Average total assets | $816,604,000 | 809 |
| Average earning assets | $746,294,200 | 798 |
| Average equity | $85,359,200 | 824 |
| Average total loans | $523,607,400 | 788 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 5,426 |
| Cost of funding earning assets | 0.7048% | 3,720 |
| Net interest margin | 3.3288% | 5,281 |
| Noninterest income to average assets | 0.3070% | 5,325 |
| Noninterest expense to average assets | 2.7239% | 4,274 |
| Loan and lease loss provision to assets | 0.0582% | 5,004 |
| Net operating income to assets | 0.3735% | 5,358 |
| Return on assets (ROA) | 0.4258% | 5,377 |
| Pretax return on assets | 0.6436% | 5,039 |
| Return on Equity (ROE) | 4.0594% | 5,263 |
| Retained earnings to average equity (ytd only) | 4.0594% | 4,032 |
| Net charge-offs to loans | 0.0442% | 5,034 |
| Credit loss provision to net charge-offs | 206.3953% | 1,340 |
| Earnings coverage of net charge-offs (x) | 22.0696% | 1,369 |
| Efficiency ratio | 81.1860% | 1,907 |
| Assets per employee ($millions) | 5.3999% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 6,708 |
| Loan loss allowance to noncurrent loans | 101.1092% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 5,436 |
| Noncurrent loans to loans | 0.7184% | 4,995 |
| Net loans and leases to total assets | 65.4990% | 2,740 |
| Net loans and leases to deposits | 76.4712% | 2,912 |
| Net loans and leases to core deposits | 84.9942% | 2,577 |
| Total domestic deposits to total assets | 85.6519% | 3,438 |
| Equity capital to assets | 10.4012% | 3,960 |
| Core capital (leverage) ratio | 10.7321% | 2,671 |
| Tier 1 risk-based capital ratio | 17.9153% | 2,386 |
| Total risk-based capital ratio | 18.7978% | 2,490 |
| Memoranda: | ||
| Average total assets | $812,967,000 | 815 |
| Average earning assets | $742,309,000 | 811 |
| Average equity | $85,264,250 | 823 |
| Average total loans | $519,033,250 | 803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 5,299 |
| Cost of funding earning assets | 0.7247% | 3,810 |
| Net interest margin | 3.3820% | 5,152 |
| Noninterest income to average assets | 0.2979% | 5,423 |
| Noninterest expense to average assets | 2.7470% | 4,229 |
| Loan and lease loss provision to assets | 0.0798% | 4,608 |
| Net operating income to assets | 0.3627% | 5,369 |
| Return on assets (ROA) | 0.4336% | 5,329 |
| Pretax return on assets | 0.6582% | 4,949 |
| Return on Equity (ROE) | 4.1220% | 5,210 |
| Retained earnings to average equity (ytd only) | 4.1220% | 3,865 |
| Net charge-offs to loans | 0.0654% | 4,518 |
| Credit loss provision to net charge-offs | 193.3735% | 1,462 |
| Earnings coverage of net charge-offs (x) | 15.2892% | 1,651 |
| Efficiency ratio | 81.1093% | 2,012 |
| Assets per employee ($millions) | 5.2907% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 6,736 |
| Loan loss allowance to noncurrent loans | 113.6052% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 5,615 |
| Noncurrent loans to loans | 0.6749% | 5,152 |
| Net loans and leases to total assets | 64.5311% | 2,929 |
| Net loans and leases to deposits | 75.2116% | 3,098 |
| Net loans and leases to core deposits | 83.3014% | 2,784 |
| Total domestic deposits to total assets | 85.7993% | 3,456 |
| Equity capital to assets | 10.7141% | 3,437 |
| Core capital (leverage) ratio | 10.7663% | 2,519 |
| Tier 1 risk-based capital ratio | 18.7225% | 2,060 |
| Total risk-based capital ratio | 19.6410% | 2,127 |
| Memoranda: | ||
| Average total assets | $804,959,000 | 822 |
| Average earning assets | $732,987,670 | 823 |
| Average equity | $84,666,670 | 820 |
| Average total loans | $507,967,000 | 819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 5,403 |
| Cost of funding earning assets | 0.7405% | 3,940 |
| Net interest margin | 3.3729% | 5,230 |
| Noninterest income to average assets | 0.2921% | 5,528 |
| Noninterest expense to average assets | 2.7228% | 4,339 |
| Loan and lease loss provision to assets | 0.0168% | 5,115 |
| Net operating income to assets | 0.4197% | 5,166 |
| Return on assets (ROA) | 0.4579% | 5,199 |
| Pretax return on assets | 0.6975% | 4,800 |
| Return on Equity (ROE) | 4.3942% | 5,098 |
| Retained earnings to average equity (ytd only) | 4.3942% | 3,958 |
| Net charge-offs to loans | 0.0024% | 4,714 |
| Credit loss provision to net charge-offs | 1,133.3333% | 307 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 59 |
| Efficiency ratio | 80.3252% | 2,159 |
| Assets per employee ($millions) | 5.4159% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 6,806 |
| Loan loss allowance to noncurrent loans | 110.2571% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 5,722 |
| Noncurrent loans to loans | 0.6864% | 5,287 |
| Net loans and leases to total assets | 62.2893% | 3,195 |
| Net loans and leases to deposits | 73.6860% | 3,163 |
| Net loans and leases to core deposits | 81.6271% | 2,881 |
| Total domestic deposits to total assets | 84.5334% | 4,254 |
| Equity capital to assets | 10.4239% | 3,590 |
| Core capital (leverage) ratio | 10.7057% | 2,538 |
| Tier 1 risk-based capital ratio | 19.0516% | 1,975 |
| Total risk-based capital ratio | 19.9828% | 2,040 |
| Memoranda: | ||
| Average total assets | $807,988,500 | 821 |
| Average earning assets | $739,540,500 | 815 |
| Average equity | $84,202,500 | 814 |
| Average total loans | $502,189,500 | 826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 5,784 |
| Cost of funding earning assets | 0.9441% | 3,757 |
| Net interest margin | 3.3486% | 5,652 |
| Noninterest income to average assets | 0.3137% | 5,299 |
| Noninterest expense to average assets | 2.6657% | 4,865 |
| Loan and lease loss provision to assets | 0.0166% | 6,355 |
| Net operating income to assets | 0.4636% | 4,571 |
| Return on assets (ROA) | 0.5282% | 4,511 |
| Pretax return on assets | 0.8054% | 3,963 |
| Return on Equity (ROE) | 5.0817% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.0817% | 2,577 |
| Net charge-offs to loans | 0.0016% | 6,430 |
| Credit loss provision to net charge-offs | 1,675.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 730.1250% | 41 |
| Efficiency ratio | 78.3881% | 2,542 |
| Assets per employee ($millions) | 5.4666% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 6,794 |
| Loan loss allowance to noncurrent loans | 107.3773% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 5,791 |
| Noncurrent loans to loans | 0.7209% | 5,256 |
| Net loans and leases to total assets | 61.0587% | 3,770 |
| Net loans and leases to deposits | 71.0432% | 3,945 |
| Net loans and leases to core deposits | 78.1906% | 3,664 |
| Total domestic deposits to total assets | 85.9459% | 3,350 |
| Equity capital to assets | 10.4185% | 3,626 |
| Core capital (leverage) ratio | 10.4387% | 2,803 |
| Tier 1 risk-based capital ratio | 18.9444% | 1,912 |
| Total risk-based capital ratio | 19.8646% | 1,981 |
| Memoranda: | ||
| Average total assets | $806,720,800 | 815 |
| Average earning assets | $741,052,200 | 801 |
| Average equity | $83,850,200 | 799 |
| Average total loans | $493,162,000 | 847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 5,841 |
| Cost of funding earning assets | 0.9869% | 3,774 |
| Net interest margin | 3.3451% | 5,734 |
| Noninterest income to average assets | 0.3112% | 5,377 |
| Noninterest expense to average assets | 2.6090% | 5,046 |
| Loan and lease loss provision to assets | 0.0167% | 6,226 |
| Net operating income to assets | 0.5007% | 4,548 |
| Return on assets (ROA) | 0.5307% | 4,593 |
| Pretax return on assets | 0.8067% | 4,103 |
| Return on Equity (ROE) | 5.1086% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.1086% | 3,101 |
| Net charge-offs to loans | 0.0054% | 6,104 |
| Credit loss provision to net charge-offs | 505.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 235.5647% | 169 |
| Efficiency ratio | 76.7708% | 2,709 |
| Assets per employee ($millions) | 5.5187% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 6,856 |
| Loan loss allowance to noncurrent loans | 104.9667% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 5,925 |
| Noncurrent loans to loans | 0.7395% | 5,400 |
| Net loans and leases to total assets | 59.2078% | 4,288 |
| Net loans and leases to deposits | 68.6547% | 4,492 |
| Net loans and leases to core deposits | 75.2351% | 4,293 |
| Total domestic deposits to total assets | 86.2399% | 3,071 |
| Equity capital to assets | 10.5123% | 3,694 |
| Core capital (leverage) ratio | 10.3481% | 3,040 |
| Tier 1 risk-based capital ratio | 19.4731% | 1,823 |
| Total risk-based capital ratio | 20.4152% | 1,851 |
| Memoranda: | ||
| Average total assets | $807,504,250 | 819 |
| Average earning assets | $742,475,250 | 808 |
| Average equity | $83,882,250 | 804 |
| Average total loans | $492,830,500 | 862 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 5,602 |
| Cost of funding earning assets | 1.0267% | 3,767 |
| Net interest margin | 3.4010% | 5,551 |
| Noninterest income to average assets | 0.3175% | 5,357 |
| Noninterest expense to average assets | 2.6183% | 5,124 |
| Loan and lease loss provision to assets | 0.0167% | 6,075 |
| Net operating income to assets | 0.5327% | 4,366 |
| Return on assets (ROA) | 0.5731% | 4,322 |
| Pretax return on assets | 0.8702% | 3,757 |
| Return on Equity (ROE) | 5.5394% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.5394% | 2,672 |
| Net charge-offs to loans | 0.0105% | 5,705 |
| Credit loss provision to net charge-offs | 257.6923% | 1,178 |
| Earnings coverage of net charge-offs (x) | 127.7308% | 275 |
| Efficiency ratio | 75.7652% | 3,057 |
| Assets per employee ($millions) | 5.4664% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 6,945 |
| Loan loss allowance to noncurrent loans | 718.4261% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,875 |
| Noncurrent loans to loans | 0.1053% | 6,709 |
| Net loans and leases to total assets | 61.1139% | 4,071 |
| Net loans and leases to deposits | 71.0168% | 4,292 |
| Net loans and leases to core deposits | 77.8118% | 4,076 |
| Total domestic deposits to total assets | 86.0556% | 3,297 |
| Equity capital to assets | 10.5679% | 3,421 |
| Core capital (leverage) ratio | 10.2262% | 3,006 |
| Tier 1 risk-based capital ratio | 18.4014% | 2,042 |
| Total risk-based capital ratio | 19.3268% | 2,105 |
| Memoranda: | ||
| Average total assets | $804,416,000 | 836 |
| Average earning assets | $739,488,330 | 819 |
| Average equity | $83,222,670 | 811 |
| Average total loans | $494,649,330 | 874 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 5,736 |
| Cost of funding earning assets | 1.0542% | 3,825 |
| Net interest margin | 3.3338% | 5,660 |
| Noninterest income to average assets | 0.3593% | 5,033 |
| Noninterest expense to average assets | 2.6077% | 5,192 |
| Loan and lease loss provision to assets | 0.0169% | 5,721 |
| Net operating income to assets | 0.5508% | 4,267 |
| Return on assets (ROA) | 0.5944% | 4,129 |
| Pretax return on assets | 0.8851% | 3,560 |
| Return on Equity (ROE) | 5.8077% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.8077% | 2,750 |
| Net charge-offs to loans | 0.0073% | 5,013 |
| Credit loss provision to net charge-offs | 377.7778% | 876 |
| Earnings coverage of net charge-offs (x) | 187.1111% | 168 |
| Efficiency ratio | 75.4148% | 3,259 |
| Assets per employee ($millions) | 5.5559% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 6,985 |
| Loan loss allowance to noncurrent loans | 696.6355% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 6,937 |
| Noncurrent loans to loans | 0.1096% | 6,774 |
| Net loans and leases to total assets | 59.7284% | 4,324 |
| Net loans and leases to deposits | 69.7235% | 4,389 |
| Net loans and leases to core deposits | 76.9808% | 4,164 |
| Total domestic deposits to total assets | 85.6646% | 3,705 |
| Equity capital to assets | 10.2004% | 3,537 |
| Core capital (leverage) ratio | 10.1018% | 3,034 |
| Tier 1 risk-based capital ratio | 18.1626% | 2,064 |
| Total risk-based capital ratio | 19.0781% | 2,139 |
| Memoranda: | ||
| Average total assets | $804,840,000 | 839 |
| Average earning assets | $744,850,500 | 819 |
| Average equity | $82,374,000 | 805 |
| Average total loans | $494,556,500 | 890 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 5,894 |
| Cost of funding earning assets | 1.2691% | 4,083 |
| Net interest margin | 3.4020% | 5,625 |
| Noninterest income to average assets | 0.3033% | 5,630 |
| Noninterest expense to average assets | 2.5441% | 5,633 |
| Loan and lease loss provision to assets | 0.0295% | 6,833 |
| Net operating income to assets | 0.6170% | 3,598 |
| Return on assets (ROA) | 0.6612% | 3,530 |
| Pretax return on assets | 0.9202% | 3,199 |
| Return on Equity (ROE) | 6.6577% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.6577% | 1,477 |
| Net charge-offs to loans | 0.0055% | 6,790 |
| Credit loss provision to net charge-offs | 827.5862% | 260 |
| Earnings coverage of net charge-offs (x) | 248.9310% | 94 |
| Efficiency ratio | 73.8222% | 3,437 |
| Assets per employee ($millions) | 5.3954% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 7,068 |
| Loan loss allowance to noncurrent loans | 332.9137% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 6,818 |
| Noncurrent loans to loans | 0.2220% | 6,620 |
| Net loans and leases to total assets | 62.2641% | 4,229 |
| Net loans and leases to deposits | 72.6753% | 4,399 |
| Net loans and leases to core deposits | 80.5692% | 4,121 |
| Total domestic deposits to total assets | 85.6743% | 3,511 |
| Equity capital to assets | 10.2698% | 3,420 |
| Core capital (leverage) ratio | 9.8587% | 3,256 |
| Tier 1 risk-based capital ratio | 17.8203% | 2,054 |
| Total risk-based capital ratio | 18.7276% | 2,148 |
| Memoranda: | ||
| Average total assets | $812,520,000 | 834 |
| Average earning assets | $747,374,200 | 819 |
| Average equity | $80,688,600 | 819 |
| Average total loans | $526,953,400 | 849 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 6,060 |
| Cost of funding earning assets | 1.3221% | 4,097 |
| Net interest margin | 3.3688% | 5,783 |
| Noninterest income to average assets | 0.2835% | 5,843 |
| Noninterest expense to average assets | 2.4200% | 5,970 |
| Loan and lease loss provision to assets | 0.0294% | 6,776 |
| Net operating income to assets | 0.5925% | 3,909 |
| Return on assets (ROA) | 0.6326% | 3,910 |
| Pretax return on assets | 0.9918% | 3,212 |
| Return on Equity (ROE) | 6.4243% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.4243% | 2,126 |
| Net charge-offs to loans | -0.0002% | 7,163 |
| Credit loss provision to net charge-offs | -18,000.0000% | 7,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3305% | 3,830 |
| Assets per employee ($millions) | 5.5770% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 7,195 |
| Loan loss allowance to noncurrent loans | 344.4653% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 6,943 |
| Noncurrent loans to loans | 0.2039% | 6,770 |
| Net loans and leases to total assets | 62.4579% | 4,433 |
| Net loans and leases to deposits | 72.9008% | 4,705 |
| Net loans and leases to core deposits | 83.0765% | 4,082 |
| Total domestic deposits to total assets | 85.6752% | 3,254 |
| Equity capital to assets | 9.9360% | 4,239 |
| Core capital (leverage) ratio | 9.5110% | 3,885 |
| Tier 1 risk-based capital ratio | 16.6045% | 2,510 |
| Total risk-based capital ratio | 17.4542% | 2,619 |
| Memoranda: | ||
| Average total assets | $816,020,500 | 833 |
| Average earning assets | $749,692,250 | 819 |
| Average equity | $80,359,250 | 817 |
| Average total loans | $533,468,750 | 849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 5,981 |
| Cost of funding earning assets | 1.3614% | 4,108 |
| Net interest margin | 3.3874% | 5,684 |
| Noninterest income to average assets | 0.2742% | 5,956 |
| Noninterest expense to average assets | 2.4110% | 6,040 |
| Loan and lease loss provision to assets | 0.0296% | 6,651 |
| Net operating income to assets | 0.6055% | 3,860 |
| Return on assets (ROA) | 0.6500% | 3,781 |
| Pretax return on assets | 1.0165% | 3,056 |
| Return on Equity (ROE) | 6.6211% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.6211% | 2,008 |
| Net charge-offs to loans | -0.0030% | 7,086 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8597% | 4,007 |
| Assets per employee ($millions) | 5.7108% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 7,290 |
| Loan loss allowance to noncurrent loans | 91.7596% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 6,142 |
| Noncurrent loans to loans | 0.7387% | 5,780 |
| Net loans and leases to total assets | 64.9359% | 4,054 |
| Net loans and leases to deposits | 76.9201% | 4,169 |
| Net loans and leases to core deposits | 88.0143% | 3,547 |
| Total domestic deposits to total assets | 84.4200% | 3,906 |
| Equity capital to assets | 9.9196% | 4,112 |
| Core capital (leverage) ratio | 9.4511% | 3,893 |
| Tier 1 risk-based capital ratio | 16.2770% | 2,561 |
| Total risk-based capital ratio | 17.0904% | 2,706 |
| Memoranda: | ||
| Average total assets | $811,037,330 | 840 |
| Average earning assets | $745,410,330 | 827 |
| Average equity | $79,624,000 | 818 |
| Average total loans | $537,065,670 | 851 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 6,059 |
| Cost of funding earning assets | 1.4211% | 4,043 |
| Net interest margin | 3.3327% | 5,850 |
| Noninterest income to average assets | 0.2697% | 5,999 |
| Noninterest expense to average assets | 2.3869% | 6,137 |
| Loan and lease loss provision to assets | 0.0297% | 6,381 |
| Net operating income to assets | 0.5872% | 3,952 |
| Return on assets (ROA) | 0.6414% | 3,820 |
| Pretax return on assets | 1.0007% | 3,091 |
| Return on Equity (ROE) | 6.5677% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.5677% | 2,338 |
| Net charge-offs to loans | -0.0067% | 6,842 |
| Credit loss provision to net charge-offs | -666.6667% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2801% | 4,074 |
| Assets per employee ($millions) | 5.7028% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 7,403 |
| Loan loss allowance to noncurrent loans | 87.5984% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 6,034 |
| Noncurrent loans to loans | 0.7611% | 5,799 |
| Net loans and leases to total assets | 65.0431% | 4,090 |
| Net loans and leases to deposits | 79.1592% | 3,813 |
| Net loans and leases to core deposits | 87.5611% | 3,671 |
| Total domestic deposits to total assets | 82.1675% | 4,999 |
| Equity capital to assets | 9.7810% | 4,136 |
| Core capital (leverage) ratio | 9.2717% | 4,101 |
| Tier 1 risk-based capital ratio | 15.9383% | 2,678 |
| Total risk-based capital ratio | 16.7560% | 2,815 |
| Memoranda: | ||
| Average total assets | $808,235,000 | 859 |
| Average earning assets | $742,831,000 | 847 |
| Average equity | $78,932,000 | 836 |
| Average total loans | $538,642,000 | 876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 6,658 |
| Cost of funding earning assets | 2.0737% | 2,603 |
| Net interest margin | 2.8499% | 6,966 |
| Noninterest income to average assets | 0.2718% | 6,171 |
| Noninterest expense to average assets | 2.4380% | 6,344 |
| Loan and lease loss provision to assets | 0.0627% | 6,939 |
| Net operating income to assets | 0.2595% | 4,686 |
| Return on assets (ROA) | 0.2619% | 4,761 |
| Pretax return on assets | 0.3999% | 4,500 |
| Return on Equity (ROE) | 2.9017% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.9017% | 3,143 |
| Net charge-offs to loans | 0.0416% | 6,693 |
| Credit loss provision to net charge-offs | 221.6450% | 1,701 |
| Earnings coverage of net charge-offs (x) | 16.2165% | 1,262 |
| Efficiency ratio | 83.7569% | 2,382 |
| Assets per employee ($millions) | 5.6012% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 7,489 |
| Loan loss allowance to noncurrent loans | 795.2164% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 7,065 |
| Noncurrent loans to loans | 0.0808% | 7,208 |
| Net loans and leases to total assets | 67.3941% | 3,837 |
| Net loans and leases to deposits | 81.1807% | 3,769 |
| Net loans and leases to core deposits | 108.4041% | 3,059 |
| Total domestic deposits to total assets | 83.0174% | 4,513 |
| Equity capital to assets | 9.7507% | 4,065 |
| Core capital (leverage) ratio | 8.9764% | 4,464 |
| Tier 1 risk-based capital ratio | 15.4447% | 2,740 |
| Total risk-based capital ratio | 16.2377% | 2,894 |
| Memoranda: | ||
| Average total assets | $816,276,600 | 837 |
| Average earning assets | $751,876,800 | 826 |
| Average equity | $73,681,000 | 883 |
| Average total loans | $554,740,400 | 865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 6,785 |
| Cost of funding earning assets | 2.1814% | 2,488 |
| Net interest margin | 2.7624% | 7,110 |
| Noninterest income to average assets | 0.2574% | 6,392 |
| Noninterest expense to average assets | 2.4182% | 6,355 |
| Loan and lease loss provision to assets | 0.0499% | 6,871 |
| Net operating income to assets | 0.2313% | 5,054 |
| Return on assets (ROA) | 0.2344% | 5,122 |
| Pretax return on assets | 0.3401% | 4,956 |
| Return on Equity (ROE) | 2.6491% | 4,935 |
| Retained earnings to average equity (ytd only) | 2.6491% | 3,848 |
| Net charge-offs to loans | 0.0285% | 6,485 |
| Credit loss provision to net charge-offs | 257.9832% | 1,658 |
| Earnings coverage of net charge-offs (x) | 19.9247% | 1,260 |
| Efficiency ratio | 85.8336% | 2,078 |
| Assets per employee ($millions) | 5.6648% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6236% | 7,540 |
| Loan loss allowance to noncurrent loans | 644.7818% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 7,076 |
| Noncurrent loans to loans | 0.0967% | 7,241 |
| Net loans and leases to total assets | 65.9252% | 4,449 |
| Net loans and leases to deposits | 80.6925% | 4,253 |
| Net loans and leases to core deposits | 107.6929% | 3,509 |
| Total domestic deposits to total assets | 81.6993% | 4,807 |
| Equity capital to assets | 9.2247% | 5,125 |
| Core capital (leverage) ratio | 9.2520% | 4,258 |
| Tier 1 risk-based capital ratio | 15.7886% | 2,707 |
| Total risk-based capital ratio | 16.5134% | 2,868 |
| Memoranda: | ||
| Average total assets | $820,102,750 | 839 |
| Average earning assets | $755,938,500 | 831 |
| Average equity | $72,576,250 | 910 |
| Average total loans | $557,600,750 | 874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 6,692 |
| Cost of funding earning assets | 2.3021% | 2,350 |
| Net interest margin | 2.7213% | 7,161 |
| Noninterest income to average assets | 0.2438% | 6,539 |
| Noninterest expense to average assets | 2.4271% | 6,379 |
| Loan and lease loss provision to assets | 0.0415% | 6,820 |
| Net operating income to assets | 0.2000% | 5,262 |
| Return on assets (ROA) | 0.2047% | 5,323 |
| Pretax return on assets | 0.2974% | 5,218 |
| Return on Equity (ROE) | 2.3465% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.3465% | 4,033 |
| Net charge-offs to loans | 0.0089% | 6,445 |
| Credit loss provision to net charge-offs | 680.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 54.4400% | 650 |
| Efficiency ratio | 87.5310% | 2,070 |
| Assets per employee ($millions) | 5.7747% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 7,619 |
| Loan loss allowance to noncurrent loans | 425.2218% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 7,111 |
| Noncurrent loans to loans | 0.1436% | 7,159 |
| Net loans and leases to total assets | 66.6041% | 4,439 |
| Net loans and leases to deposits | 82.4678% | 4,145 |
| Net loans and leases to core deposits | 110.5068% | 3,326 |
| Total domestic deposits to total assets | 80.7638% | 5,168 |
| Equity capital to assets | 8.9740% | 5,351 |
| Core capital (leverage) ratio | 8.9952% | 4,640 |
| Tier 1 risk-based capital ratio | 15.4998% | 2,811 |
| Total risk-based capital ratio | 16.2034% | 2,982 |
| Memoranda: | ||
| Average total assets | $819,670,670 | 855 |
| Average earning assets | $757,644,330 | 843 |
| Average equity | $71,511,000 | 940 |
| Average total loans | $561,832,000 | 892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 6,466 |
| Cost of funding earning assets | 2.3865% | 2,348 |
| Net interest margin | 2.7689% | 7,055 |
| Noninterest income to average assets | 0.2309% | 6,619 |
| Noninterest expense to average assets | 2.3624% | 6,332 |
| Loan and lease loss provision to assets | 0.0083% | 6,708 |
| Net operating income to assets | 0.2857% | 5,351 |
| Return on assets (ROA) | 0.2948% | 5,488 |
| Pretax return on assets | 0.4398% | 5,273 |
| Return on Equity (ROE) | 3.4283% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.4283% | 3,978 |
| Net charge-offs to loans | 0.0063% | 5,601 |
| Credit loss provision to net charge-offs | 188.8889% | 2,324 |
| Earnings coverage of net charge-offs (x) | 98.8889% | 437 |
| Efficiency ratio | 84.0140% | 2,306 |
| Assets per employee ($millions) | 5.8211% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 7,710 |
| Loan loss allowance to noncurrent loans | 437.2283% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 7,053 |
| Noncurrent loans to loans | 0.1318% | 7,143 |
| Net loans and leases to total assets | 67.1702% | 4,309 |
| Net loans and leases to deposits | 83.0832% | 4,119 |
| Net loans and leases to core deposits | 112.3526% | 3,183 |
| Total domestic deposits to total assets | 80.8469% | 5,025 |
| Equity capital to assets | 8.5071% | 6,061 |
| Core capital (leverage) ratio | 8.9324% | 4,818 |
| Tier 1 risk-based capital ratio | 15.1241% | 3,001 |
| Total risk-based capital ratio | 15.7882% | 3,217 |
| Memoranda: | ||
| Average total assets | $819,501,000 | 861 |
| Average earning assets | $759,429,000 | 840 |
| Average equity | $70,472,500 | 955 |
| Average total loans | $567,990,500 | 876 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 7,340 |
| Cost of funding earning assets | 2.8312% | 2,579 |
| Net interest margin | 2.6523% | 7,576 |
| Noninterest income to average assets | 0.4162% | 5,335 |
| Noninterest expense to average assets | 2.2905% | 6,732 |
| Loan and lease loss provision to assets | 0.0483% | 6,814 |
| Net operating income to assets | 0.4467% | 4,963 |
| Return on assets (ROA) | -0.1887% | 6,456 |
| Pretax return on assets | -0.2381% | 6,402 |
| Return on Equity (ROE) | -2.0550% | 6,506 |
| Retained earnings to average equity (ytd only) | -2.0550% | 5,882 |
| Net charge-offs to loans | 0.0100% | 6,791 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 89.1091% | 470 |
| Efficiency ratio | 78.3806% | 2,857 |
| Assets per employee ($millions) | 5.7211% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 7,755 |
| Loan loss allowance to noncurrent loans | 750.0000% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,059 |
| Noncurrent loans to loans | 0.0741% | 7,206 |
| Net loans and leases to total assets | 70.6946% | 3,855 |
| Net loans and leases to deposits | 88.7984% | 3,665 |
| Net loans and leases to core deposits | 120.2169% | 2,667 |
| Total domestic deposits to total assets | 79.6125% | 5,161 |
| Equity capital to assets | 8.6934% | 5,817 |
| Core capital (leverage) ratio | 9.0181% | 4,715 |
| Tier 1 risk-based capital ratio | 14.6645% | 3,224 |
| Total risk-based capital ratio | 15.3070% | 3,439 |
| Memoranda: | ||
| Average total assets | $797,546,800 | 847 |
| Average earning assets | $748,411,600 | 818 |
| Average equity | $73,236,400 | 906 |
| Average total loans | $549,171,600 | 868 |