Home > Everett Co-operative Bank > Performance and Condition Ratios
Everett Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 2,477 |
| Cost of funding earning assets | 2.6868% | 255 |
| Net interest margin | 2.1114% | 4,365 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.5893% | 4,256 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.3542% | 3,950 |
| Return on assets (ROA) | 0.3542% | 3,944 |
| Pretax return on assets | 0.4746% | 3,857 |
| Return on Equity (ROE) | 3.1300% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.1348% | 3,234 |
| Net charge-offs to loans | 0.0001% | 2,914 |
| Credit loss provision to net charge-offs | 121,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 6,412.0000% | 11 |
| Efficiency ratio | 74.5495% | 1,400 |
| Assets per employee ($millions) | 18.8179% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 3,920 |
| Loan loss allowance to noncurrent loans | 708.2440% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 2,887 |
| Noncurrent loans to loans | 0.1157% | 2,946 |
| Net loans and leases to total assets | 81.2600% | 507 |
| Net loans and leases to deposits | 117.3487% | 101 |
| Net loans and leases to core deposits | 181.2468% | 99 |
| Total domestic deposits to total assets | 69.2400% | 4,315 |
| Equity capital to assets | 10.9248% | 1,510 |
| Core capital (leverage) ratio | 11.3077% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3004% | 1,026 |
| Memoranda: | ||
| Average total assets | $1,181,790,400 | 864 |
| Average earning assets | $1,141,594,400 | 828 |
| Average equity | $133,533,000 | 743 |
| Average total loans | $986,316,400 | 736 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 2,358 |
| Cost of funding earning assets | 2.5699% | 246 |
| Net interest margin | 2.1871% | 4,361 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.5916% | 4,247 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3987% | 3,966 |
| Return on assets (ROA) | 0.3987% | 3,961 |
| Pretax return on assets | 0.5349% | 3,851 |
| Return on Equity (ROE) | 3.5000% | 4,047 |
| Retained earnings to average equity (ytd only) | 3.4967% | 3,386 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.1259% | 1,550 |
| Assets per employee ($millions) | 17.5796% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 3,933 |
| Loan loss allowance to noncurrent loans | 684.7234% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 2,909 |
| Noncurrent loans to loans | 0.1204% | 2,961 |
| Net loans and leases to total assets | 82.2200% | 418 |
| Net loans and leases to deposits | 119.2457% | 81 |
| Net loans and leases to core deposits | 174.8107% | 63 |
| Total domestic deposits to total assets | 68.9500% | 4,348 |
| Equity capital to assets | 11.0334% | 1,332 |
| Core capital (leverage) ratio | 11.1430% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4005% | 1,223 |
| Memoranda: | ||
| Average total assets | $1,157,333,250 | 880 |
| Average earning assets | $1,117,736,750 | 847 |
| Average equity | $131,967,250 | 745 |
| Average total loans | $970,799,500 | 747 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 2,258 |
| Cost of funding earning assets | 2.4167% | 220 |
| Net interest margin | 2.2578% | 4,386 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.5926% | 4,263 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.3832% | 4,032 |
| Return on assets (ROA) | 0.3832% | 4,046 |
| Pretax return on assets | 0.5177% | 3,933 |
| Return on Equity (ROE) | 3.3200% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.3226% | 3,398 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.3218% | 1,737 |
| Assets per employee ($millions) | 18.1313% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 3,924 |
| Loan loss allowance to noncurrent loans | 917.6598% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,003 |
| Noncurrent loans to loans | 0.0918% | 3,045 |
| Net loans and leases to total assets | 83.2900% | 314 |
| Net loans and leases to deposits | 122.8384% | 76 |
| Net loans and leases to core deposits | 172.1137% | 73 |
| Total domestic deposits to total assets | 67.8000% | 4,412 |
| Equity capital to assets | 11.0662% | 1,369 |
| Core capital (leverage) ratio | 11.2067% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2521% | 1,497 |
| Memoranda: | ||
| Average total assets | $1,138,779,667 | 879 |
| Average earning assets | $1,099,916,333 | 845 |
| Average equity | $131,344,667 | 747 |
| Average total loans | $959,180,333 | 739 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,315 |
| Cost of funding earning assets | 2.1895% | 198 |
| Net interest margin | 2.3096% | 4,445 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.5992% | 4,307 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 0.2952% | 4,257 |
| Return on assets (ROA) | 0.2952% | 4,219 |
| Pretax return on assets | 0.3986% | 4,137 |
| Return on Equity (ROE) | 2.5000% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.5045% | 3,603 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0906% | 1,847 |
| Assets per employee ($millions) | 17.5159% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,002 |
| Loan loss allowance to noncurrent loans | 7,372.3214% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,772 |
| Noncurrent loans to loans | 0.0114% | 3,737 |
| Net loans and leases to total assets | 84.0100% | 236 |
| Net loans and leases to deposits | 121.5761% | 73 |
| Net loans and leases to core deposits | 174.4912% | 61 |
| Total domestic deposits to total assets | 69.1000% | 4,442 |
| Equity capital to assets | 11.3264% | 1,216 |
| Core capital (leverage) ratio | 11.8263% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3295% | 1,539 |
| Memoranda: | ||
| Average total assets | $1,109,837,000 | 919 |
| Average earning assets | $1,072,032,000 | 879 |
| Average equity | $130,804,500 | 757 |
| Average total loans | $936,183,000 | 768 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 2,443 |
| Cost of funding earning assets | 0.7449% | 481 |
| Net interest margin | 2.9887% | 3,479 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.8809% | 3,873 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 0.5945% | 3,898 |
| Return on assets (ROA) | 0.5945% | 3,857 |
| Pretax return on assets | 0.7917% | 3,648 |
| Return on Equity (ROE) | 4.8900% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.8875% | 3,098 |
| Net charge-offs to loans | -0.0036% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.0091% | 2,765 |
| Assets per employee ($millions) | 16.1155% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 4,015 |
| Loan loss allowance to noncurrent loans | 1,097.5610% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,188 |
| Noncurrent loans to loans | 0.0735% | 3,235 |
| Net loans and leases to total assets | 83.2700% | 309 |
| Net loans and leases to deposits | 119.2721% | 72 |
| Net loans and leases to core deposits | 163.0157% | 63 |
| Total domestic deposits to total assets | 69.8200% | 4,477 |
| Equity capital to assets | 12.2853% | 855 |
| Core capital (leverage) ratio | 13.8885% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3968% | 1,265 |
| Memoranda: | ||
| Average total assets | $815,203,200 | 1,166 |
| Average earning assets | $781,321,600 | 1,133 |
| Average equity | $99,150,600 | 949 |
| Average total loans | $665,122,000 | 947 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 2,315 |
| Cost of funding earning assets | 0.5001% | 753 |
| Net interest margin | 3.1111% | 2,896 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9306% | 3,674 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 0.7037% | 3,559 |
| Return on assets (ROA) | 0.7037% | 3,513 |
| Pretax return on assets | 0.9279% | 3,243 |
| Return on Equity (ROE) | 5.8100% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.8068% | 2,816 |
| Net charge-offs to loans | -0.0002% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7656% | 3,019 |
| Assets per employee ($millions) | 14.5883% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,063 |
| Loan loss allowance to noncurrent loans | 863.6624% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,108 |
| Noncurrent loans to loans | 0.0943% | 3,206 |
| Net loans and leases to total assets | 84.0100% | 241 |
| Net loans and leases to deposits | 108.2706% | 148 |
| Net loans and leases to core deposits | 146.0574% | 78 |
| Total domestic deposits to total assets | 77.5900% | 4,288 |
| Equity capital to assets | 14.7499% | 479 |
| Core capital (leverage) ratio | 15.6222% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4242% | 799 |
| Memoranda: | ||
| Average total assets | $753,097,750 | 1,249 |
| Average earning assets | $719,777,500 | 1,207 |
| Average equity | $91,270,750 | 1,031 |
| Average total loans | $608,182,750 | 1,029 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4440% | 2,313 |
| Cost of funding earning assets | 0.4172% | 824 |
| Net interest margin | 3.0268% | 2,804 |
| Noninterest income to average assets | 0.2608% | 3,614 |
| Noninterest expense to average assets | 1.8951% | 3,715 |
| Loan and lease loss provision to assets | 0.2457% | 301 |
| Net operating income to assets | 0.7805% | 3,025 |
| Return on assets (ROA) | 0.7805% | 2,991 |
| Pretax return on assets | 1.0107% | 2,689 |
| Return on Equity (ROE) | 7.0685% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.0685% | 1,964 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1336% | 3,279 |
| Assets per employee ($millions) | 13.0326% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 4,155 |
| Loan loss allowance to noncurrent loans | 706.9156% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,070 |
| Noncurrent loans to loans | 0.1149% | 3,165 |
| Net loans and leases to total assets | 79.7937% | 424 |
| Net loans and leases to deposits | 94.0374% | 516 |
| Net loans and leases to core deposits | 112.2977% | 313 |
| Total domestic deposits to total assets | 84.8532% | 3,515 |
| Equity capital to assets | 10.2349% | 1,570 |
| Core capital (leverage) ratio | 11.1962% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4086% | 1,896 |
| Memoranda: | ||
| Average total assets | $712,364,333 | 1,302 |
| Average earning assets | $680,320,667 | 1,281 |
| Average equity | $78,659,000 | 1,177 |
| Average total loans | $563,791,333 | 1,068 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 1,871 |
| Cost of funding earning assets | 0.4270% | 743 |
| Net interest margin | 3.0527% | 2,319 |
| Noninterest income to average assets | 0.1464% | 4,281 |
| Noninterest expense to average assets | 1.8785% | 3,728 |
| Loan and lease loss provision to assets | 0.0714% | 1,152 |
| Net operating income to assets | 0.8165% | 2,609 |
| Return on assets (ROA) | 0.8165% | 2,596 |
| Pretax return on assets | 1.1087% | 2,112 |
| Return on Equity (ROE) | 7.0949% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.0949% | 1,860 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4167% | 3,334 |
| Assets per employee ($millions) | 12.0815% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,232 |
| Loan loss allowance to noncurrent loans | 588.7838% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 3,055 |
| Noncurrent loans to loans | 0.1372% | 3,123 |
| Net loans and leases to total assets | 77.7165% | 397 |
| Net loans and leases to deposits | 90.4865% | 483 |
| Net loans and leases to core deposits | 110.4179% | 251 |
| Total domestic deposits to total assets | 85.8873% | 3,302 |
| Equity capital to assets | 11.4241% | 1,149 |
| Core capital (leverage) ratio | 11.7784% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0485% | 1,032 |
| Memoranda: | ||
| Average total assets | $677,567,500 | 1,355 |
| Average earning assets | $646,384,000 | 1,333 |
| Average equity | $77,972,000 | 1,221 |
| Average total loans | $531,155,000 | 1,113 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 2,092 |
| Cost of funding earning assets | 0.6107% | 515 |
| Net interest margin | 3.0978% | 2,908 |
| Noninterest income to average assets | 0.1903% | 4,214 |
| Noninterest expense to average assets | 2.2158% | 3,026 |
| Loan and lease loss provision to assets | 0.0570% | 1,914 |
| Net operating income to assets | 0.6473% | 3,756 |
| Return on assets (ROA) | 0.6473% | 3,813 |
| Pretax return on assets | 0.8730% | 3,562 |
| Return on Equity (ROE) | 5.4187% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.4187% | 2,609 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4373% | 1,688 |
| Assets per employee ($millions) | 12.3421% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,250 |
| Loan loss allowance to noncurrent loans | 431.3646% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 2,912 |
| Noncurrent loans to loans | 0.1878% | 3,009 |
| Net loans and leases to total assets | 77.8019% | 390 |
| Net loans and leases to deposits | 90.6662% | 538 |
| Net loans and leases to core deposits | 116.8630% | 191 |
| Total domestic deposits to total assets | 85.8114% | 2,970 |
| Equity capital to assets | 11.5690% | 1,471 |
| Core capital (leverage) ratio | 11.8334% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7793% | 1,099 |
| Memoranda: | ||
| Average total assets | $631,739,200 | 1,395 |
| Average earning assets | $602,717,800 | 1,374 |
| Average equity | $75,461,200 | 1,269 |
| Average total loans | $493,798,800 | 1,181 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 2,213 |
| Cost of funding earning assets | 0.6511% | 495 |
| Net interest margin | 3.0715% | 3,125 |
| Noninterest income to average assets | 0.1915% | 4,247 |
| Noninterest expense to average assets | 1.8872% | 3,977 |
| Loan and lease loss provision to assets | 0.0578% | 1,835 |
| Net operating income to assets | 0.8660% | 3,336 |
| Return on assets (ROA) | 0.8660% | 3,405 |
| Pretax return on assets | 1.1782% | 2,996 |
| Return on Equity (ROE) | 7.1896% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.1896% | 2,345 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4248% | 2,928 |
| Assets per employee ($millions) | 12.6380% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,300 |
| Loan loss allowance to noncurrent loans | 251.4251% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 2,494 |
| Noncurrent loans to loans | 0.3318% | 2,593 |
| Net loans and leases to total assets | 76.4692% | 511 |
| Net loans and leases to deposits | 89.1126% | 652 |
| Net loans and leases to core deposits | 108.7518% | 350 |
| Total domestic deposits to total assets | 85.8119% | 2,818 |
| Equity capital to assets | 11.9586% | 1,425 |
| Core capital (leverage) ratio | 12.2237% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4270% | 1,062 |
| Memoranda: | ||
| Average total assets | $623,056,000 | 1,423 |
| Average earning assets | $594,707,750 | 1,405 |
| Average equity | $75,050,500 | 1,290 |
| Average total loans | $486,557,500 | 1,209 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 2,145 |
| Cost of funding earning assets | 0.6921% | 482 |
| Net interest margin | 3.0787% | 3,091 |
| Noninterest income to average assets | 0.1767% | 4,318 |
| Noninterest expense to average assets | 1.8568% | 4,060 |
| Loan and lease loss provision to assets | 0.0585% | 1,864 |
| Net operating income to assets | 0.8790% | 3,278 |
| Return on assets (ROA) | 0.8790% | 3,359 |
| Pretax return on assets | 1.1996% | 2,912 |
| Return on Equity (ROE) | 7.2794% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.2794% | 2,328 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6122% | 3,065 |
| Assets per employee ($millions) | 12.8489% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,345 |
| Loan loss allowance to noncurrent loans | 179.2311% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 2,164 |
| Noncurrent loans to loans | 0.4543% | 2,314 |
| Net loans and leases to total assets | 78.4739% | 407 |
| Net loans and leases to deposits | 91.5003% | 566 |
| Net loans and leases to core deposits | 112.4697% | 309 |
| Total domestic deposits to total assets | 85.7635% | 2,817 |
| Equity capital to assets | 12.0301% | 1,345 |
| Core capital (leverage) ratio | 12.1439% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2445% | 1,074 |
| Memoranda: | ||
| Average total assets | $615,895,333 | 1,430 |
| Average earning assets | $587,780,667 | 1,406 |
| Average equity | $74,374,667 | 1,293 |
| Average total loans | $483,070,333 | 1,216 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 2,216 |
| Cost of funding earning assets | 0.7333% | 481 |
| Net interest margin | 3.0262% | 3,195 |
| Noninterest income to average assets | 0.1878% | 4,256 |
| Noninterest expense to average assets | 1.8810% | 4,028 |
| Loan and lease loss provision to assets | 0.0591% | 1,945 |
| Net operating income to assets | 0.8466% | 3,283 |
| Return on assets (ROA) | 0.8466% | 3,361 |
| Pretax return on assets | 1.1559% | 2,967 |
| Return on Equity (ROE) | 6.9967% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.9967% | 2,578 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7552% | 2,945 |
| Assets per employee ($millions) | 13.1347% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,350 |
| Loan loss allowance to noncurrent loans | 174.1001% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 2,355 |
| Noncurrent loans to loans | 0.4751% | 2,424 |
| Net loans and leases to total assets | 75.4258% | 683 |
| Net loans and leases to deposits | 89.2889% | 745 |
| Net loans and leases to core deposits | 110.6665% | 392 |
| Total domestic deposits to total assets | 84.4739% | 3,287 |
| Equity capital to assets | 11.7870% | 1,396 |
| Core capital (leverage) ratio | 12.6417% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7293% | 964 |
| Memoranda: | ||
| Average total assets | $609,045,500 | 1,432 |
| Average earning assets | $585,286,500 | 1,393 |
| Average equity | $73,691,500 | 1,298 |
| Average total loans | $475,543,500 | 1,233 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 2,412 |
| Cost of funding earning assets | 1.0769% | 440 |
| Net interest margin | 3.0271% | 3,828 |
| Noninterest income to average assets | 0.2322% | 4,108 |
| Noninterest expense to average assets | 1.8804% | 4,353 |
| Loan and lease loss provision to assets | 0.0534% | 3,706 |
| Net operating income to assets | 0.8880% | 2,746 |
| Return on assets (ROA) | 0.8880% | 2,889 |
| Pretax return on assets | 1.1937% | 2,347 |
| Return on Equity (ROE) | 6.8695% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.8695% | 1,442 |
| Net charge-offs to loans | -0.0002% | 3,894 |
| Credit loss provision to net charge-offs | -29,200.0000% | 4,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1250% | 3,440 |
| Assets per employee ($millions) | 11.9923% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 4,378 |
| Loan loss allowance to noncurrent loans | 231.9569% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 2,875 |
| Noncurrent loans to loans | 0.3543% | 2,933 |
| Net loans and leases to total assets | 79.5934% | 452 |
| Net loans and leases to deposits | 95.0812% | 594 |
| Net loans and leases to core deposits | 118.4793% | 330 |
| Total domestic deposits to total assets | 83.7110% | 3,200 |
| Equity capital to assets | 12.4348% | 1,351 |
| Core capital (leverage) ratio | 12.7832% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1278% | 1,033 |
| Memoranda: | ||
| Average total assets | $547,275,800 | 1,435 |
| Average earning assets | $523,432,800 | 1,404 |
| Average equity | $70,747,200 | 1,286 |
| Average total loans | $443,441,400 | 1,244 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 2,425 |
| Cost of funding earning assets | 1.1536% | 433 |
| Net interest margin | 3.0354% | 3,892 |
| Noninterest income to average assets | 0.2589% | 3,926 |
| Noninterest expense to average assets | 1.8518% | 4,407 |
| Loan and lease loss provision to assets | 0.0426% | 3,823 |
| Net operating income to assets | 0.9439% | 2,543 |
| Return on assets (ROA) | 0.9439% | 2,674 |
| Pretax return on assets | 1.2653% | 2,176 |
| Return on Equity (ROE) | 7.2264% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.2264% | 1,605 |
| Net charge-offs to loans | -0.0003% | 3,769 |
| Credit loss provision to net charge-offs | -17,200.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6050% | 3,582 |
| Assets per employee ($millions) | 12.2195% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,284 |
| Loan loss allowance to noncurrent loans | 223.4384% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,954 |
| Noncurrent loans to loans | 0.3719% | 2,950 |
| Net loans and leases to total assets | 79.7400% | 635 |
| Net loans and leases to deposits | 96.4231% | 734 |
| Net loans and leases to core deposits | 117.6975% | 465 |
| Total domestic deposits to total assets | 82.6981% | 3,224 |
| Equity capital to assets | 12.8054% | 1,273 |
| Core capital (leverage) ratio | 13.0511% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7685% | 945 |
| Memoranda: | ||
| Average total assets | $537,188,750 | 1,442 |
| Average earning assets | $513,400,250 | 1,410 |
| Average equity | $70,166,500 | 1,282 |
| Average total loans | $436,405,250 | 1,255 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,542 |
| Cost of funding earning assets | 1.2505% | 432 |
| Net interest margin | 3.0208% | 4,078 |
| Noninterest income to average assets | 0.2965% | 3,695 |
| Noninterest expense to average assets | 1.9161% | 4,386 |
| Loan and lease loss provision to assets | 0.0310% | 3,872 |
| Net operating income to assets | 0.9295% | 2,581 |
| Return on assets (ROA) | 0.9295% | 2,711 |
| Pretax return on assets | 1.2351% | 2,238 |
| Return on Equity (ROE) | 7.0670% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.0670% | 1,630 |
| Net charge-offs to loans | -0.0005% | 3,722 |
| Credit loss provision to net charge-offs | -8,200.0000% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2139% | 3,388 |
| Assets per employee ($millions) | 12.0823% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,231 |
| Loan loss allowance to noncurrent loans | 188.7745% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 2,867 |
| Noncurrent loans to loans | 0.4440% | 2,828 |
| Net loans and leases to total assets | 79.7712% | 615 |
| Net loans and leases to deposits | 97.2342% | 709 |
| Net loans and leases to core deposits | 119.3927% | 441 |
| Total domestic deposits to total assets | 82.0402% | 3,357 |
| Equity capital to assets | 12.9918% | 1,170 |
| Core capital (leverage) ratio | 13.2620% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7466% | 943 |
| Memoranda: | ||
| Average total assets | $528,885,333 | 1,437 |
| Average earning assets | $505,230,667 | 1,406 |
| Average equity | $69,562,333 | 1,277 |
| Average total loans | $431,215,667 | 1,252 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 2,359 |
| Cost of funding earning assets | 1.3740% | 445 |
| Net interest margin | 3.1089% | 4,076 |
| Noninterest income to average assets | 0.3413% | 3,473 |
| Noninterest expense to average assets | 1.9491% | 4,492 |
| Loan and lease loss provision to assets | 0.0169% | 3,585 |
| Net operating income to assets | 1.0263% | 2,087 |
| Return on assets (ROA) | 1.0263% | 2,186 |
| Pretax return on assets | 1.3416% | 1,745 |
| Return on Equity (ROE) | 7.7537% | 2,616 |
| Retained earnings to average equity (ytd only) | 7.7537% | 1,306 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9286% | 3,884 |
| Assets per employee ($millions) | 11.4074% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 4,288 |
| Loan loss allowance to noncurrent loans | 417.7289% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 3,842 |
| Noncurrent loans to loans | 0.2026% | 3,757 |
| Net loans and leases to total assets | 80.4774% | 639 |
| Net loans and leases to deposits | 97.8681% | 729 |
| Net loans and leases to core deposits | 119.7445% | 476 |
| Total domestic deposits to total assets | 82.2305% | 3,350 |
| Equity capital to assets | 13.2816% | 1,311 |
| Core capital (leverage) ratio | 13.4874% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8734% | 881 |
| Memoranda: | ||
| Average total assets | $521,476,000 | 1,412 |
| Average earning assets | $497,541,500 | 1,390 |
| Average equity | $69,025,000 | 1,276 |
| Average total loans | $428,131,000 | 1,226 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,931 |
| Cost of funding earning assets | 1.4842% | 416 |
| Net interest margin | 3.0187% | 4,499 |
| Noninterest income to average assets | 0.2479% | 4,192 |
| Noninterest expense to average assets | 1.9322% | 4,628 |
| Loan and lease loss provision to assets | 0.0393% | 3,235 |
| Net operating income to assets | 0.8544% | 3,380 |
| Return on assets (ROA) | 0.8544% | 3,467 |
| Pretax return on assets | 1.1445% | 3,032 |
| Return on Equity (ROE) | 6.5865% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.5865% | 1,571 |
| Net charge-offs to loans | 0.0237% | 2,930 |
| Credit loss provision to net charge-offs | 196.0784% | 1,352 |
| Earnings coverage of net charge-offs (x) | 59.1275% | 989 |
| Efficiency ratio | 62.0094% | 3,380 |
| Assets per employee ($millions) | 11.2655% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,208 |
| Loan loss allowance to noncurrent loans | 346.5184% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,669 |
| Noncurrent loans to loans | 0.2403% | 3,585 |
| Net loans and leases to total assets | 82.3556% | 511 |
| Net loans and leases to deposits | 100.5990% | 562 |
| Net loans and leases to core deposits | 123.1368% | 401 |
| Total domestic deposits to total assets | 81.8653% | 3,543 |
| Equity capital to assets | 13.1908% | 1,419 |
| Core capital (leverage) ratio | 13.2925% | 1,118 |
| Tier 1 risk-based capital ratio | 18.2384% | 1,702 |
| Total risk-based capital ratio | 19.2434% | 1,715 |
| Memoranda: | ||
| Average total assets | $509,478,000 | 1,405 |
| Average earning assets | $484,041,600 | 1,372 |
| Average equity | $66,090,000 | 1,280 |
| Average total loans | $430,121,800 | 1,200 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,944 |
| Cost of funding earning assets | 1.4890% | 423 |
| Net interest margin | 3.0467% | 4,564 |
| Noninterest income to average assets | 0.2168% | 4,429 |
| Noninterest expense to average assets | 1.9362% | 4,661 |
| Loan and lease loss provision to assets | 0.0526% | 2,857 |
| Net operating income to assets | 0.8413% | 3,541 |
| Return on assets (ROA) | 0.8413% | 3,626 |
| Pretax return on assets | 1.1223% | 3,232 |
| Return on Equity (ROE) | 6.5135% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.5135% | 2,112 |
| Net charge-offs to loans | 0.0313% | 2,447 |
| Credit loss provision to net charge-offs | 198.0198% | 1,323 |
| Earnings coverage of net charge-offs (x) | 44.2585% | 1,282 |
| Efficiency ratio | 62.2371% | 3,288 |
| Assets per employee ($millions) | 11.4173% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 4,289 |
| Loan loss allowance to noncurrent loans | 357.5848% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,785 |
| Noncurrent loans to loans | 0.2337% | 3,705 |
| Net loans and leases to total assets | 82.7609% | 491 |
| Net loans and leases to deposits | 100.9429% | 571 |
| Net loans and leases to core deposits | 123.7681% | 414 |
| Total domestic deposits to total assets | 81.9878% | 3,480 |
| Equity capital to assets | 13.0803% | 1,583 |
| Core capital (leverage) ratio | 13.1220% | 1,294 |
| Tier 1 risk-based capital ratio | 18.2591% | 1,745 |
| Total risk-based capital ratio | 19.2825% | 1,757 |
| Memoranda: | ||
| Average total assets | $507,294,750 | 1,414 |
| Average earning assets | $481,911,000 | 1,378 |
| Average equity | $65,523,500 | 1,288 |
| Average total loans | $430,062,500 | 1,207 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 2,837 |
| Cost of funding earning assets | 1.4813% | 403 |
| Net interest margin | 3.0703% | 4,585 |
| Noninterest income to average assets | 0.2043% | 4,527 |
| Noninterest expense to average assets | 1.9128% | 4,731 |
| Loan and lease loss provision to assets | 0.0673% | 2,467 |
| Net operating income to assets | 0.8572% | 3,445 |
| Return on assets (ROA) | 0.8572% | 3,503 |
| Pretax return on assets | 1.1383% | 3,128 |
| Return on Equity (ROE) | 6.6653% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.6653% | 1,971 |
| Net charge-offs to loans | 0.0469% | 1,977 |
| Credit loss provision to net charge-offs | 168.3168% | 1,372 |
| Earnings coverage of net charge-offs (x) | 30.1485% | 1,453 |
| Efficiency ratio | 61.3382% | 3,535 |
| Assets per employee ($millions) | 11.3843% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,340 |
| Loan loss allowance to noncurrent loans | 624.4288% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 4,200 |
| Noncurrent loans to loans | 0.1325% | 4,083 |
| Net loans and leases to total assets | 83.1032% | 458 |
| Net loans and leases to deposits | 101.3450% | 586 |
| Net loans and leases to core deposits | 126.4126% | 381 |
| Total domestic deposits to total assets | 82.0003% | 3,508 |
| Equity capital to assets | 12.9161% | 1,626 |
| Core capital (leverage) ratio | 13.0451% | 1,279 |
| Tier 1 risk-based capital ratio | 17.4312% | 1,960 |
| Total risk-based capital ratio | 18.4153% | 1,988 |
| Memoranda: | ||
| Average total assets | $505,133,000 | 1,419 |
| Average earning assets | $479,436,670 | 1,386 |
| Average equity | $64,963,330 | 1,292 |
| Average total loans | $430,486,000 | 1,206 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 2,668 |
| Cost of funding earning assets | 1.4514% | 383 |
| Net interest margin | 3.1080% | 4,583 |
| Noninterest income to average assets | 0.1699% | 4,722 |
| Noninterest expense to average assets | 1.9946% | 4,651 |
| Loan and lease loss provision to assets | 0.0638% | 2,388 |
| Net operating income to assets | 0.7800% | 3,684 |
| Return on assets (ROA) | 0.7800% | 3,735 |
| Pretax return on assets | 1.0591% | 3,270 |
| Return on Equity (ROE) | 6.0782% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.0782% | 2,427 |
| Net charge-offs to loans | 0.0928% | 1,200 |
| Credit loss provision to net charge-offs | 80.0000% | 1,780 |
| Earnings coverage of net charge-offs (x) | 14.0800% | 1,812 |
| Efficiency ratio | 63.9806% | 3,246 |
| Assets per employee ($millions) | 11.4820% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,524 |
| Loan loss allowance to noncurrent loans | 1,056.4024% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,495 |
| Noncurrent loans to loans | 0.0758% | 4,423 |
| Net loans and leases to total assets | 85.0195% | 274 |
| Net loans and leases to deposits | 104.1735% | 388 |
| Net loans and leases to core deposits | 130.9853% | 297 |
| Total domestic deposits to total assets | 81.6134% | 3,827 |
| Equity capital to assets | 12.8362% | 1,547 |
| Core capital (leverage) ratio | 12.9331% | 1,306 |
| Tier 1 risk-based capital ratio | 16.8598% | 2,153 |
| Total risk-based capital ratio | 17.8088% | 2,198 |
| Memoranda: | ||
| Average total assets | $501,553,500 | 1,431 |
| Average earning assets | $475,673,500 | 1,400 |
| Average equity | $64,361,000 | 1,294 |
| Average total loans | $431,087,000 | 1,209 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 2,773 |
| Cost of funding earning assets | 1.2368% | 295 |
| Net interest margin | 3.1593% | 4,557 |
| Noninterest income to average assets | 0.1892% | 4,771 |
| Noninterest expense to average assets | 1.9274% | 4,853 |
| Loan and lease loss provision to assets | 0.0447% | 3,288 |
| Net operating income to assets | 0.8867% | 3,474 |
| Return on assets (ROA) | 0.8867% | 3,471 |
| Pretax return on assets | 1.2137% | 2,834 |
| Return on Equity (ROE) | 7.0622% | 3,804 |
| Retained earnings to average equity (ytd only) | 7.0622% | 1,645 |
| Net charge-offs to loans | -0.0276% | 4,787 |
| Credit loss provision to net charge-offs | -189.6552% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4989% | 3,776 |
| Assets per employee ($millions) | 11.3158% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,494 |
| Loan loss allowance to noncurrent loans | 551.4241% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,185 |
| Noncurrent loans to loans | 0.1473% | 4,083 |
| Net loans and leases to total assets | 85.4990% | 270 |
| Net loans and leases to deposits | 104.6134% | 452 |
| Net loans and leases to core deposits | 128.7260% | 344 |
| Total domestic deposits to total assets | 81.7286% | 3,711 |
| Equity capital to assets | 12.8284% | 1,424 |
| Core capital (leverage) ratio | 12.7292% | 1,360 |
| Tier 1 risk-based capital ratio | 16.8062% | 2,133 |
| Total risk-based capital ratio | 17.7716% | 2,174 |
| Memoranda: | ||
| Average total assets | $491,951,200 | 1,432 |
| Average earning assets | $466,623,600 | 1,398 |
| Average equity | $61,765,600 | 1,286 |
| Average total loans | $420,454,400 | 1,205 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 2,830 |
| Cost of funding earning assets | 1.1751% | 290 |
| Net interest margin | 3.1596% | 4,597 |
| Noninterest income to average assets | 0.1878% | 4,851 |
| Noninterest expense to average assets | 1.8472% | 4,983 |
| Loan and lease loss provision to assets | 0.0489% | 3,014 |
| Net operating income to assets | 0.9387% | 3,357 |
| Return on assets (ROA) | 0.9387% | 3,359 |
| Pretax return on assets | 1.2915% | 2,658 |
| Return on Equity (ROE) | 7.5179% | 3,743 |
| Retained earnings to average equity (ytd only) | 7.5179% | 1,880 |
| Net charge-offs to loans | -0.0214% | 4,651 |
| Credit loss provision to net charge-offs | -268.6567% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9481% | 4,137 |
| Assets per employee ($millions) | 11.5420% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 4,624 |
| Loan loss allowance to noncurrent loans | 228.2258% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,499 |
| Noncurrent loans to loans | 0.3501% | 3,397 |
| Net loans and leases to total assets | 84.9426% | 364 |
| Net loans and leases to deposits | 105.9702% | 443 |
| Net loans and leases to core deposits | 133.6254% | 278 |
| Total domestic deposits to total assets | 80.1570% | 4,078 |
| Equity capital to assets | 12.6863% | 1,476 |
| Core capital (leverage) ratio | 12.6254% | 1,448 |
| Tier 1 risk-based capital ratio | 17.4820% | 1,939 |
| Total risk-based capital ratio | 18.4730% | 1,964 |
| Memoranda: | ||
| Average total assets | $490,464,750 | 1,439 |
| Average earning assets | $465,652,750 | 1,404 |
| Average equity | $61,239,000 | 1,298 |
| Average total loans | $418,272,500 | 1,211 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 2,937 |
| Cost of funding earning assets | 1.0472% | 367 |
| Net interest margin | 3.2046% | 4,492 |
| Noninterest income to average assets | 0.1879% | 4,887 |
| Noninterest expense to average assets | 1.8828% | 4,979 |
| Loan and lease loss provision to assets | 0.0491% | 2,935 |
| Net operating income to assets | 0.9584% | 3,199 |
| Return on assets (ROA) | 0.9584% | 3,203 |
| Pretax return on assets | 1.3003% | 2,515 |
| Return on Equity (ROE) | 7.7179% | 3,617 |
| Retained earnings to average equity (ytd only) | 7.7179% | 1,745 |
| Net charge-offs to loans | -0.0327% | 4,764 |
| Credit loss provision to net charge-offs | -176.4706% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2521% | 4,190 |
| Assets per employee ($millions) | 12.0493% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 4,751 |
| Loan loss allowance to noncurrent loans | 226.6984% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,604 |
| Noncurrent loans to loans | 0.3439% | 3,464 |
| Net loans and leases to total assets | 83.9149% | 468 |
| Net loans and leases to deposits | 105.9324% | 438 |
| Net loans and leases to core deposits | 133.3924% | 272 |
| Total domestic deposits to total assets | 79.2155% | 4,392 |
| Equity capital to assets | 12.2218% | 1,712 |
| Core capital (leverage) ratio | 12.6322% | 1,371 |
| Tier 1 risk-based capital ratio | 17.3866% | 1,971 |
| Total risk-based capital ratio | 18.3750% | 2,005 |
| Memoranda: | ||
| Average total assets | $488,517,330 | 1,446 |
| Average earning assets | $464,078,670 | 1,410 |
| Average equity | $60,664,330 | 1,307 |
| Average total loans | $416,039,330 | 1,217 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,028 |
| Cost of funding earning assets | 1.0119% | 352 |
| Net interest margin | 3.1480% | 4,604 |
| Noninterest income to average assets | 0.1934% | 4,859 |
| Noninterest expense to average assets | 1.9519% | 4,939 |
| Loan and lease loss provision to assets | 0.0500% | 2,776 |
| Net operating income to assets | 0.8738% | 3,399 |
| Return on assets (ROA) | 0.8738% | 3,416 |
| Pretax return on assets | 1.1823% | 2,832 |
| Return on Equity (ROE) | 6.9784% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.9784% | 2,287 |
| Net charge-offs to loans | -0.0663% | 5,087 |
| Credit loss provision to net charge-offs | -88.2353% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2988% | 3,899 |
| Assets per employee ($millions) | 11.3450% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 4,808 |
| Loan loss allowance to noncurrent loans | 63.4094% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 1,475 |
| Noncurrent loans to loans | 1.2484% | 1,452 |
| Net loans and leases to total assets | 84.1878% | 423 |
| Net loans and leases to deposits | 103.9574% | 480 |
| Net loans and leases to core deposits | 126.9418% | 398 |
| Total domestic deposits to total assets | 80.9830% | 4,211 |
| Equity capital to assets | 12.4137% | 1,538 |
| Core capital (leverage) ratio | 12.6421% | 1,322 |
| Tier 1 risk-based capital ratio | 17.9646% | 1,847 |
| Total risk-based capital ratio | 18.9884% | 1,856 |
| Memoranda: | ||
| Average total assets | $479,741,000 | 1,472 |
| Average earning assets | $455,787,500 | 1,443 |
| Average equity | $60,071,000 | 1,329 |
| Average total loans | $410,056,500 | 1,238 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,249 |
| Cost of funding earning assets | 0.9608% | 271 |
| Net interest margin | 3.0882% | 4,716 |
| Noninterest income to average assets | 0.1666% | 5,124 |
| Noninterest expense to average assets | 1.9043% | 5,108 |
| Loan and lease loss provision to assets | 0.0586% | 3,061 |
| Net operating income to assets | 0.5978% | 4,020 |
| Return on assets (ROA) | 0.5978% | 4,064 |
| Pretax return on assets | 1.1576% | 2,956 |
| Return on Equity (ROE) | 4.7175% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.7175% | 2,314 |
| Net charge-offs to loans | 0.0010% | 4,095 |
| Credit loss provision to net charge-offs | 6,750.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,399.7500% | 53 |
| Efficiency ratio | 61.0260% | 4,111 |
| Assets per employee ($millions) | 12.0936% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 4,896 |
| Loan loss allowance to noncurrent loans | 59.7533% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 1,342 |
| Noncurrent loans to loans | 1.2976% | 1,348 |
| Net loans and leases to total assets | 85.4430% | 294 |
| Net loans and leases to deposits | 102.3222% | 588 |
| Net loans and leases to core deposits | 126.3913% | 422 |
| Total domestic deposits to total assets | 83.5038% | 3,383 |
| Equity capital to assets | 12.6331% | 1,439 |
| Core capital (leverage) ratio | 12.6693% | 1,275 |
| Tier 1 risk-based capital ratio | 18.2526% | 1,726 |
| Total risk-based capital ratio | 19.2690% | 1,750 |
| Memoranda: | ||
| Average total assets | $460,368,400 | 1,512 |
| Average earning assets | $440,352,200 | 1,467 |
| Average equity | $58,336,400 | 1,346 |
| Average total loans | $391,014,200 | 1,260 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,291 |
| Cost of funding earning assets | 0.9546% | 247 |
| Net interest margin | 3.0614% | 4,793 |
| Noninterest income to average assets | 0.1495% | 5,263 |
| Noninterest expense to average assets | 1.8964% | 5,140 |
| Loan and lease loss provision to assets | 0.0612% | 2,850 |
| Net operating income to assets | 0.6944% | 4,013 |
| Return on assets (ROA) | 0.6944% | 4,081 |
| Pretax return on assets | 1.1245% | 3,209 |
| Return on Equity (ROE) | 5.4757% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.4757% | 2,554 |
| Net charge-offs to loans | 0.0010% | 3,754 |
| Credit loss provision to net charge-offs | 7,000.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 1,356.3000% | 73 |
| Efficiency ratio | 61.5297% | 3,951 |
| Assets per employee ($millions) | 10.1634% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 4,972 |
| Loan loss allowance to noncurrent loans | 70.4836% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 1,821 |
| Noncurrent loans to loans | 1.0949% | 1,759 |
| Net loans and leases to total assets | 84.9825% | 341 |
| Net loans and leases to deposits | 100.7567% | 696 |
| Net loans and leases to core deposits | 124.4221% | 449 |
| Total domestic deposits to total assets | 84.3443% | 2,982 |
| Equity capital to assets | 12.6659% | 1,571 |
| Core capital (leverage) ratio | 12.7837% | 1,301 |
| Tier 1 risk-based capital ratio | 18.2958% | 1,779 |
| Total risk-based capital ratio | 19.3027% | 1,795 |
| Memoranda: | ||
| Average total assets | $457,548,250 | 1,533 |
| Average earning assets | $438,307,250 | 1,489 |
| Average equity | $58,024,500 | 1,365 |
| Average total loans | $387,232,750 | 1,275 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 3,301 |
| Cost of funding earning assets | 0.9458% | 229 |
| Net interest margin | 3.0290% | 4,845 |
| Noninterest income to average assets | 0.1444% | 5,335 |
| Noninterest expense to average assets | 1.8652% | 5,232 |
| Loan and lease loss provision to assets | 0.0528% | 2,922 |
| Net operating income to assets | 0.7014% | 3,845 |
| Return on assets (ROA) | 0.7014% | 3,906 |
| Pretax return on assets | 1.1356% | 3,028 |
| Return on Equity (ROE) | 5.5286% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.5286% | 2,391 |
| Net charge-offs to loans | -0.0005% | 4,119 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0815% | 4,152 |
| Assets per employee ($millions) | 10.0510% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 5,018 |
| Loan loss allowance to noncurrent loans | 315.8780% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,348 |
| Noncurrent loans to loans | 0.2439% | 4,159 |
| Net loans and leases to total assets | 83.6985% | 478 |
| Net loans and leases to deposits | 96.9590% | 987 |
| Net loans and leases to core deposits | 118.8334% | 606 |
| Total domestic deposits to total assets | 86.3236% | 2,231 |
| Equity capital to assets | 12.6367% | 1,555 |
| Core capital (leverage) ratio | 12.8654% | 1,234 |
| Tier 1 risk-based capital ratio | 18.6877% | 1,668 |
| Total risk-based capital ratio | 19.7011% | 1,692 |
| Memoranda: | ||
| Average total assets | $454,225,670 | 1,548 |
| Average earning assets | $436,250,000 | 1,500 |
| Average equity | $57,627,670 | 1,376 |
| Average total loans | $382,844,670 | 1,293 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,170 |
| Cost of funding earning assets | 0.9460% | 217 |
| Net interest margin | 3.0155% | 4,858 |
| Noninterest income to average assets | 0.1333% | 5,451 |
| Noninterest expense to average assets | 1.8349% | 5,327 |
| Loan and lease loss provision to assets | 0.0533% | 2,738 |
| Net operating income to assets | 0.7055% | 3,677 |
| Return on assets (ROA) | 0.7055% | 3,720 |
| Pretax return on assets | 1.1427% | 2,808 |
| Return on Equity (ROE) | 5.5496% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.5496% | 2,569 |
| Net charge-offs to loans | -0.0011% | 3,967 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5394% | 4,394 |
| Assets per employee ($millions) | 9.8552% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 5,135 |
| Loan loss allowance to noncurrent loans | 236.2761% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,111 |
| Noncurrent loans to loans | 0.3273% | 3,948 |
| Net loans and leases to total assets | 83.3256% | 433 |
| Net loans and leases to deposits | 98.2158% | 754 |
| Net loans and leases to core deposits | 116.0756% | 591 |
| Total domestic deposits to total assets | 84.8393% | 3,146 |
| Equity capital to assets | 12.7115% | 1,397 |
| Core capital (leverage) ratio | 12.8891% | 1,189 |
| Tier 1 risk-based capital ratio | 19.0108% | 1,614 |
| Total risk-based capital ratio | 20.0324% | 1,626 |
| Memoranda: | ||
| Average total assets | $450,166,500 | 1,570 |
| Average earning assets | $432,563,500 | 1,514 |
| Average equity | $57,229,000 | 1,377 |
| Average total loans | $379,277,500 | 1,307 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,040 |
| Cost of funding earning assets | 0.9705% | 205 |
| Net interest margin | 3.0759% | 4,786 |
| Noninterest income to average assets | 0.1593% | 5,415 |
| Noninterest expense to average assets | 1.7837% | 5,488 |
| Loan and lease loss provision to assets | 0.0484% | 3,422 |
| Net operating income to assets | 0.7742% | 3,432 |
| Return on assets (ROA) | 0.7742% | 3,533 |
| Pretax return on assets | 1.2570% | 2,444 |
| Return on Equity (ROE) | 6.0965% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.0965% | 1,658 |
| Net charge-offs to loans | 0.0767% | 2,599 |
| Credit loss provision to net charge-offs | 75.2688% | 3,054 |
| Earnings coverage of net charge-offs (x) | 20.3011% | 1,860 |
| Efficiency ratio | 57.7408% | 4,884 |
| Assets per employee ($millions) | 9.9332% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 5,208 |
| Loan loss allowance to noncurrent loans | 150.7057% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 3,561 |
| Noncurrent loans to loans | 0.5063% | 3,326 |
| Net loans and leases to total assets | 83.8893% | 392 |
| Net loans and leases to deposits | 98.8736% | 749 |
| Net loans and leases to core deposits | 118.4650% | 529 |
| Total domestic deposits to total assets | 84.8451% | 3,113 |
| Equity capital to assets | 12.7142% | 1,392 |
| Core capital (leverage) ratio | 12.8158% | 1,204 |
| Tier 1 risk-based capital ratio | 19.1679% | 1,550 |
| Total risk-based capital ratio | 20.1866% | 1,582 |
| Memoranda: | ||
| Average total assets | $433,881,600 | 1,566 |
| Average earning assets | $413,272,600 | 1,521 |
| Average equity | $55,097,600 | 1,393 |
| Average total loans | $363,626,000 | 1,294 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 3,065 |
| Cost of funding earning assets | 0.9676% | 205 |
| Net interest margin | 3.0754% | 4,841 |
| Noninterest income to average assets | 0.1517% | 5,511 |
| Noninterest expense to average assets | 1.8786% | 5,418 |
| Loan and lease loss provision to assets | 0.0372% | 3,502 |
| Net operating income to assets | 0.7140% | 3,771 |
| Return on assets (ROA) | 0.7140% | 3,912 |
| Pretax return on assets | 1.1568% | 3,015 |
| Return on Equity (ROE) | 5.6245% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.6245% | 2,415 |
| Net charge-offs to loans | 0.1026% | 1,921 |
| Credit loss provision to net charge-offs | 43.3213% | 3,123 |
| Earnings coverage of net charge-offs (x) | 13.9207% | 2,268 |
| Efficiency ratio | 61.1408% | 4,365 |
| Assets per employee ($millions) | 9.9369% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 5,333 |
| Loan loss allowance to noncurrent loans | 166.0725% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 3,880 |
| Noncurrent loans to loans | 0.4467% | 3,678 |
| Net loans and leases to total assets | 85.5282% | 283 |
| Net loans and leases to deposits | 99.5763% | 733 |
| Net loans and leases to core deposits | 120.4726% | 494 |
| Total domestic deposits to total assets | 85.8921% | 2,415 |
| Equity capital to assets | 12.7706% | 1,611 |
| Core capital (leverage) ratio | 12.7534% | 1,289 |
| Tier 1 risk-based capital ratio | 18.7102% | 1,732 |
| Total risk-based capital ratio | 19.6916% | 1,763 |
| Memoranda: | ||
| Average total assets | $430,603,000 | 1,570 |
| Average earning assets | $408,953,500 | 1,535 |
| Average equity | $54,664,000 | 1,414 |
| Average total loans | $360,066,250 | 1,305 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,043 |
| Cost of funding earning assets | 0.9527% | 218 |
| Net interest margin | 3.1022% | 4,827 |
| Noninterest income to average assets | 0.1475% | 5,568 |
| Noninterest expense to average assets | 1.9034% | 5,445 |
| Loan and lease loss provision to assets | 0.0280% | 3,565 |
| Net operating income to assets | 0.7124% | 3,733 |
| Return on assets (ROA) | 0.7124% | 3,887 |
| Pretax return on assets | 1.1545% | 2,967 |
| Return on Equity (ROE) | 5.6234% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.6234% | 2,351 |
| Net charge-offs to loans | -0.0028% | 4,411 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6793% | 4,391 |
| Assets per employee ($millions) | 10.2147% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 5,170 |
| Loan loss allowance to noncurrent loans | 149.8014% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,678 |
| Noncurrent loans to loans | 0.5591% | 3,390 |
| Net loans and leases to total assets | 81.3223% | 705 |
| Net loans and leases to deposits | 95.1327% | 1,173 |
| Net loans and leases to core deposits | 115.1890% | 670 |
| Total domestic deposits to total assets | 85.4830% | 2,654 |
| Equity capital to assets | 12.5349% | 1,748 |
| Core capital (leverage) ratio | 12.8056% | 1,227 |
| Tier 1 risk-based capital ratio | 19.4769% | 1,575 |
| Total risk-based capital ratio | 20.5891% | 1,572 |
| Memoranda: | ||
| Average total assets | $428,396,670 | 1,583 |
| Average earning assets | $405,778,670 | 1,547 |
| Average equity | $54,273,330 | 1,428 |
| Average total loans | $354,507,330 | 1,320 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,728 |
| Cost of funding earning assets | 0.9373% | 239 |
| Net interest margin | 3.1926% | 4,606 |
| Noninterest income to average assets | 0.1296% | 5,694 |
| Noninterest expense to average assets | 1.9490% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7367% | 3,553 |
| Return on assets (ROA) | 0.7367% | 3,661 |
| Pretax return on assets | 1.1953% | 2,719 |
| Return on Equity (ROE) | 5.7831% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.7831% | 2,483 |
| Net charge-offs to loans | -0.0057% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9850% | 4,443 |
| Assets per employee ($millions) | 10.7986% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 5,262 |
| Loan loss allowance to noncurrent loans | 132.3043% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 3,528 |
| Noncurrent loans to loans | 0.6333% | 3,269 |
| Net loans and leases to total assets | 81.0143% | 681 |
| Net loans and leases to deposits | 96.0998% | 934 |
| Net loans and leases to core deposits | 117.7182% | 541 |
| Total domestic deposits to total assets | 84.3023% | 3,396 |
| Equity capital to assets | 12.5644% | 1,641 |
| Core capital (leverage) ratio | 12.9727% | 1,171 |
| Tier 1 risk-based capital ratio | 19.5605% | 1,602 |
| Total risk-based capital ratio | 20.6720% | 1,597 |
| Memoranda: | ||
| Average total assets | $422,980,000 | 1,605 |
| Average earning assets | $399,426,500 | 1,571 |
| Average equity | $53,881,500 | 1,431 |
| Average total loans | $351,656,500 | 1,323 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,569 |
| Cost of funding earning assets | 0.9172% | 264 |
| Net interest margin | 3.2797% | 4,372 |
| Noninterest income to average assets | 0.1537% | 5,648 |
| Noninterest expense to average assets | 1.6956% | 5,844 |
| Loan and lease loss provision to assets | 0.0446% | 3,435 |
| Net operating income to assets | 0.9393% | 2,668 |
| Return on assets (ROA) | 0.9393% | 2,741 |
| Pretax return on assets | 1.5329% | 1,453 |
| Return on Equity (ROE) | 7.3409% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.3409% | 1,151 |
| Net charge-offs to loans | -0.0003% | 4,814 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8030% | 5,645 |
| Assets per employee ($millions) | 10.3505% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 5,290 |
| Loan loss allowance to noncurrent loans | 129.7582% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 3,454 |
| Noncurrent loans to loans | 0.6492% | 3,235 |
| Net loans and leases to total assets | 83.9261% | 400 |
| Net loans and leases to deposits | 100.7437% | 627 |
| Net loans and leases to core deposits | 121.4056% | 442 |
| Total domestic deposits to total assets | 83.3065% | 3,737 |
| Equity capital to assets | 12.9202% | 1,388 |
| Core capital (leverage) ratio | 12.9981% | 1,150 |
| Tier 1 risk-based capital ratio | 19.3388% | 1,623 |
| Total risk-based capital ratio | 20.4519% | 1,613 |
| Memoranda: | ||
| Average total assets | $403,281,600 | 1,634 |
| Average earning assets | $383,571,000 | 1,591 |
| Average equity | $51,601,400 | 1,438 |
| Average total loans | $341,999,800 | 1,312 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 2,560 |
| Cost of funding earning assets | 0.9155% | 267 |
| Net interest margin | 3.2899% | 4,400 |
| Noninterest income to average assets | 0.1608% | 5,682 |
| Noninterest expense to average assets | 1.6808% | 5,918 |
| Loan and lease loss provision to assets | 0.0599% | 2,985 |
| Net operating income to assets | 0.9462% | 2,729 |
| Return on assets (ROA) | 0.9462% | 2,833 |
| Pretax return on assets | 1.5453% | 1,557 |
| Return on Equity (ROE) | 7.4138% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.4138% | 1,496 |
| Net charge-offs to loans | -0.0004% | 4,649 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1496% | 5,715 |
| Assets per employee ($millions) | 10.2154% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 5,331 |
| Loan loss allowance to noncurrent loans | 222.9607% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,470 |
| Noncurrent loans to loans | 0.3852% | 4,233 |
| Net loans and leases to total assets | 83.3880% | 433 |
| Net loans and leases to deposits | 100.0308% | 665 |
| Net loans and leases to core deposits | 120.5723% | 451 |
| Total domestic deposits to total assets | 83.3623% | 3,673 |
| Equity capital to assets | 12.8596% | 1,525 |
| Core capital (leverage) ratio | 12.9028% | 1,235 |
| Tier 1 risk-based capital ratio | 19.5323% | 1,659 |
| Total risk-based capital ratio | 20.6768% | 1,652 |
| Memoranda: | ||
| Average total assets | $400,597,500 | 1,657 |
| Average earning assets | $380,548,500 | 1,615 |
| Average equity | $51,128,750 | 1,458 |
| Average total loans | $339,894,500 | 1,326 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 2,597 |
| Cost of funding earning assets | 0.9101% | 276 |
| Net interest margin | 3.2761% | 4,390 |
| Noninterest income to average assets | 0.1699% | 5,687 |
| Noninterest expense to average assets | 1.6586% | 6,008 |
| Loan and lease loss provision to assets | 0.0603% | 2,897 |
| Net operating income to assets | 0.9655% | 2,562 |
| Return on assets (ROA) | 0.9655% | 2,669 |
| Pretax return on assets | 1.5792% | 1,393 |
| Return on Equity (ROE) | 7.5844% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.5844% | 1,435 |
| Net charge-offs to loans | -0.0006% | 4,549 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2895% | 5,840 |
| Assets per employee ($millions) | 10.2023% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 5,483 |
| Loan loss allowance to noncurrent loans | 792.3288% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 5,507 |
| Noncurrent loans to loans | 0.1067% | 5,320 |
| Net loans and leases to total assets | 83.1378% | 458 |
| Net loans and leases to deposits | 100.2844% | 639 |
| Net loans and leases to core deposits | 120.3259% | 460 |
| Total domestic deposits to total assets | 82.9021% | 3,984 |
| Equity capital to assets | 12.6504% | 1,578 |
| Core capital (leverage) ratio | 12.7709% | 1,269 |
| Tier 1 risk-based capital ratio | 19.4251% | 1,689 |
| Total risk-based capital ratio | 20.5611% | 1,684 |
| Memoranda: | ||
| Average total assets | $397,925,330 | 1,682 |
| Average earning assets | $379,968,670 | 1,626 |
| Average equity | $50,656,330 | 1,474 |
| Average total loans | $338,630,330 | 1,331 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 2,530 |
| Cost of funding earning assets | 0.9013% | 289 |
| Net interest margin | 3.2790% | 4,299 |
| Noninterest income to average assets | 0.1507% | 5,836 |
| Noninterest expense to average assets | 1.6790% | 6,034 |
| Loan and lease loss provision to assets | 0.0611% | 2,706 |
| Net operating income to assets | 0.9469% | 2,528 |
| Return on assets (ROA) | 0.9469% | 2,664 |
| Pretax return on assets | 1.5518% | 1,385 |
| Return on Equity (ROE) | 7.4145% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.4145% | 1,804 |
| Net charge-offs to loans | -0.0012% | 4,331 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0053% | 5,856 |
| Assets per employee ($millions) | 10.1303% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 5,613 |
| Loan loss allowance to noncurrent loans | 747.2296% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 5,489 |
| Noncurrent loans to loans | 0.1115% | 5,364 |
| Net loans and leases to total assets | 85.2826% | 236 |
| Net loans and leases to deposits | 104.6002% | 347 |
| Net loans and leases to core deposits | 121.9646% | 369 |
| Total domestic deposits to total assets | 81.5320% | 4,664 |
| Equity capital to assets | 12.8168% | 1,503 |
| Core capital (leverage) ratio | 12.9199% | 1,183 |
| Tier 1 risk-based capital ratio | 18.9038% | 1,897 |
| Total risk-based capital ratio | 20.0071% | 1,891 |
| Memoranda: | ||
| Average total assets | $392,843,000 | 1,703 |
| Average earning assets | $376,333,000 | 1,641 |
| Average equity | $50,172,000 | 1,498 |
| Average total loans | $336,861,000 | 1,336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,681 |
| Cost of funding earning assets | 0.8930% | 404 |
| Net interest margin | 3.3876% | 4,244 |
| Noninterest income to average assets | 0.1417% | 5,987 |
| Noninterest expense to average assets | 1.7988% | 6,067 |
| Loan and lease loss provision to assets | 0.0650% | 3,206 |
| Net operating income to assets | 0.9249% | 2,750 |
| Return on assets (ROA) | 0.9249% | 2,846 |
| Pretax return on assets | 1.5059% | 1,517 |
| Return on Equity (ROE) | 7.1210% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.1210% | 1,344 |
| Net charge-offs to loans | -0.0010% | 5,339 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3805% | 5,890 |
| Assets per employee ($millions) | 10.0155% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,692 |
| Loan loss allowance to noncurrent loans | 401.5942% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,244 |
| Noncurrent loans to loans | 0.2066% | 5,076 |
| Net loans and leases to total assets | 84.7874% | 291 |
| Net loans and leases to deposits | 104.5952% | 414 |
| Net loans and leases to core deposits | 121.7379% | 372 |
| Total domestic deposits to total assets | 81.0624% | 4,730 |
| Equity capital to assets | 12.7257% | 1,519 |
| Core capital (leverage) ratio | 12.9200% | 1,171 |
| Tier 1 risk-based capital ratio | 18.0542% | 2,118 |
| Total risk-based capital ratio | 19.1054% | 2,150 |
| Memoranda: | ||
| Average total assets | $369,138,200 | 1,759 |
| Average earning assets | $351,753,600 | 1,700 |
| Average equity | $47,942,800 | 1,504 |
| Average total loans | $312,405,200 | 1,379 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,622 |
| Cost of funding earning assets | 0.8836% | 461 |
| Net interest margin | 3.4193% | 4,152 |
| Noninterest income to average assets | 0.1433% | 6,060 |
| Noninterest expense to average assets | 1.8036% | 6,081 |
| Loan and lease loss provision to assets | 0.0660% | 3,033 |
| Net operating income to assets | 0.9376% | 2,745 |
| Return on assets (ROA) | 0.9376% | 2,832 |
| Pretax return on assets | 1.5273% | 1,557 |
| Return on Equity (ROE) | 7.1799% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.1799% | 1,724 |
| Net charge-offs to loans | -0.0169% | 5,572 |
| Credit loss provision to net charge-offs | -461.5385% | 5,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0967% | 5,914 |
| Assets per employee ($millions) | 9.2055% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 5,721 |
| Loan loss allowance to noncurrent loans | 361.4474% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 5,296 |
| Noncurrent loans to loans | 0.2377% | 5,185 |
| Net loans and leases to total assets | 83.9692% | 341 |
| Net loans and leases to deposits | 103.0296% | 450 |
| Net loans and leases to core deposits | 118.6233% | 424 |
| Total domestic deposits to total assets | 81.5001% | 4,661 |
| Equity capital to assets | 12.9433% | 1,460 |
| Core capital (leverage) ratio | 13.1071% | 1,135 |
| Tier 1 risk-based capital ratio | 18.4276% | 2,078 |
| Total risk-based capital ratio | 19.5103% | 2,097 |
| Memoranda: | ||
| Average total assets | $363,772,000 | 1,802 |
| Average earning assets | $346,143,250 | 1,738 |
| Average equity | $47,501,750 | 1,521 |
| Average total loans | $307,018,250 | 1,405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 2,715 |
| Cost of funding earning assets | 0.8644% | 517 |
| Net interest margin | 3.4017% | 4,163 |
| Noninterest income to average assets | 0.1375% | 6,133 |
| Noninterest expense to average assets | 1.8579% | 6,068 |
| Loan and lease loss provision to assets | 0.0668% | 2,929 |
| Net operating income to assets | 0.8875% | 2,875 |
| Return on assets (ROA) | 0.8875% | 2,967 |
| Pretax return on assets | 1.4448% | 1,735 |
| Return on Equity (ROE) | 6.7755% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.7755% | 1,886 |
| Net charge-offs to loans | -0.0627% | 5,975 |
| Credit loss provision to net charge-offs | -126.3158% | 5,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1388% | 5,822 |
| Assets per employee ($millions) | 8.7435% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 5,761 |
| Loan loss allowance to noncurrent loans | 289.6515% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 5,319 |
| Noncurrent loans to loans | 0.3058% | 5,098 |
| Net loans and leases to total assets | 83.5791% | 333 |
| Net loans and leases to deposits | 103.1889% | 392 |
| Net loans and leases to core deposits | 119.7153% | 387 |
| Total domestic deposits to total assets | 80.9962% | 4,982 |
| Equity capital to assets | 13.0402% | 1,351 |
| Core capital (leverage) ratio | 13.2464% | 1,066 |
| Tier 1 risk-based capital ratio | 18.5859% | 2,042 |
| Total risk-based capital ratio | 19.6983% | 2,044 |
| Memoranda: | ||
| Average total assets | $359,221,330 | 1,827 |
| Average earning assets | $341,295,330 | 1,757 |
| Average equity | $47,052,000 | 1,523 |
| Average total loans | $302,802,000 | 1,421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,552 |
| Cost of funding earning assets | 0.8598% | 559 |
| Net interest margin | 3.4334% | 3,969 |
| Noninterest income to average assets | 0.1340% | 6,179 |
| Noninterest expense to average assets | 1.9244% | 6,026 |
| Loan and lease loss provision to assets | 0.0676% | 2,772 |
| Net operating income to assets | 0.8614% | 2,846 |
| Return on assets (ROA) | 0.8614% | 2,913 |
| Pretax return on assets | 1.4020% | 1,738 |
| Return on Equity (ROE) | 6.5617% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.5617% | 2,247 |
| Net charge-offs to loans | -0.0334% | 5,622 |
| Credit loss provision to net charge-offs | -240.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7021% | 5,782 |
| Assets per employee ($millions) | 9.0051% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 5,960 |
| Loan loss allowance to noncurrent loans | 228.2096% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 4,492 |
| Noncurrent loans to loans | 0.3792% | 4,987 |
| Net loans and leases to total assets | 83.0926% | 288 |
| Net loans and leases to deposits | 104.7767% | 265 |
| Net loans and leases to core deposits | 120.6571% | 313 |
| Total domestic deposits to total assets | 79.3044% | 5,628 |
| Equity capital to assets | 13.0643% | 1,284 |
| Core capital (leverage) ratio | 13.3025% | 1,036 |
| Tier 1 risk-based capital ratio | 18.8330% | 2,018 |
| Total risk-based capital ratio | 19.9281% | 2,023 |
| Memoranda: | ||
| Average total assets | $355,218,500 | 1,849 |
| Average earning assets | $337,272,000 | 1,789 |
| Average equity | $46,634,500 | 1,537 |
| Average total loans | $299,369,000 | 1,445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 2,078 |
| Cost of funding earning assets | 0.8847% | 799 |
| Net interest margin | 3.6500% | 3,242 |
| Noninterest income to average assets | 0.1922% | 5,940 |
| Noninterest expense to average assets | 1.7914% | 6,332 |
| Loan and lease loss provision to assets | 0.0744% | 3,628 |
| Net operating income to assets | 1.0960% | 1,950 |
| Return on assets (ROA) | 1.0960% | 2,017 |
| Pretax return on assets | 1.7884% | 775 |
| Return on Equity (ROE) | 8.2988% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.2988% | 956 |
| Net charge-offs to loans | 0.2224% | 2,685 |
| Credit loss provision to net charge-offs | 39.9361% | 4,050 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,438 |
| Efficiency ratio | 49.0228% | 6,441 |
| Assets per employee ($millions) | 8.7559% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,054 |
| Loan loss allowance to noncurrent loans | 126.4632% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 3,855 |
| Noncurrent loans to loans | 0.6735% | 4,291 |
| Net loans and leases to total assets | 84.0281% | 253 |
| Net loans and leases to deposits | 106.5071% | 244 |
| Net loans and leases to core deposits | 123.3610% | 283 |
| Total domestic deposits to total assets | 78.8944% | 5,674 |
| Equity capital to assets | 13.1943% | 1,188 |
| Core capital (leverage) ratio | 13.5550% | 939 |
| Tier 1 risk-based capital ratio | 19.0769% | 1,896 |
| Total risk-based capital ratio | 20.1695% | 1,908 |
| Memoranda: | ||
| Average total assets | $336,045,400 | 1,911 |
| Average earning assets | $318,735,400 | 1,870 |
| Average equity | $44,379,800 | 1,579 |
| Average total loans | $281,428,600 | 1,502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,255 |
| Cost of funding earning assets | 0.8835% | 893 |
| Net interest margin | 3.6103% | 3,400 |
| Noninterest income to average assets | 0.2061% | 5,942 |
| Noninterest expense to average assets | 1.7936% | 6,347 |
| Loan and lease loss provision to assets | 0.0341% | 4,336 |
| Net operating income to assets | 1.1043% | 1,991 |
| Return on assets (ROA) | 1.1043% | 2,066 |
| Pretax return on assets | 1.8049% | 898 |
| Return on Equity (ROE) | 8.3601% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.3601% | 1,266 |
| Net charge-offs to loans | 0.0082% | 4,993 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 269.7181% | 220 |
| Efficiency ratio | 49.3763% | 6,435 |
| Assets per employee ($millions) | 8.3416% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,531 |
| Loan loss allowance to noncurrent loans | 71.6145% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2438% | 3,151 |
| Noncurrent loans to loans | 1.4650% | 2,970 |
| Net loans and leases to total assets | 84.0070% | 247 |
| Net loans and leases to deposits | 101.5848% | 404 |
| Net loans and leases to core deposits | 116.9231% | 377 |
| Total domestic deposits to total assets | 82.6964% | 4,686 |
| Equity capital to assets | 13.5711% | 1,090 |
| Core capital (leverage) ratio | 13.6616% | 965 |
| Tier 1 risk-based capital ratio | 19.5952% | 1,840 |
| Total risk-based capital ratio | 20.8461% | 1,802 |
| Memoranda: | ||
| Average total assets | $332,498,250 | 1,946 |
| Average earning assets | $315,570,500 | 1,893 |
| Average equity | $43,922,000 | 1,604 |
| Average total loans | $277,580,000 | 1,519 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 2,091 |
| Cost of funding earning assets | 0.8633% | 1,072 |
| Net interest margin | 3.6660% | 3,098 |
| Noninterest income to average assets | 0.2228% | 5,850 |
| Noninterest expense to average assets | 1.8241% | 6,334 |
| Loan and lease loss provision to assets | 0.0422% | 4,113 |
| Net operating income to assets | 1.1165% | 1,877 |
| Return on assets (ROA) | 1.1165% | 1,995 |
| Pretax return on assets | 1.8343% | 853 |
| Return on Equity (ROE) | 8.5303% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.5303% | 1,278 |
| Net charge-offs to loans | 0.0145% | 4,559 |
| Credit loss provision to net charge-offs | 350.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 155.8000% | 317 |
| Efficiency ratio | 49.2921% | 6,468 |
| Assets per employee ($millions) | 8.3886% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,599 |
| Loan loss allowance to noncurrent loans | 48.4024% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 2,385 |
| Noncurrent loans to loans | 2.1821% | 2,198 |
| Net loans and leases to total assets | 82.4744% | 325 |
| Net loans and leases to deposits | 102.8441% | 303 |
| Net loans and leases to core deposits | 118.3734% | 342 |
| Total domestic deposits to total assets | 80.1936% | 5,564 |
| Equity capital to assets | 13.2269% | 1,246 |
| Core capital (leverage) ratio | 13.4162% | 1,012 |
| Tier 1 risk-based capital ratio | 19.1006% | 1,969 |
| Total risk-based capital ratio | 20.3514% | 1,931 |
| Memoranda: | ||
| Average total assets | $332,109,670 | 1,954 |
| Average earning assets | $315,054,330 | 1,901 |
| Average equity | $43,468,670 | 1,622 |
| Average total loans | $275,682,330 | 1,531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 1,781 |
| Cost of funding earning assets | 0.8566% | 1,219 |
| Net interest margin | 3.7596% | 2,614 |
| Noninterest income to average assets | 0.2542% | 5,638 |
| Noninterest expense to average assets | 1.8209% | 6,412 |
| Loan and lease loss provision to assets | 0.0182% | 4,239 |
| Net operating income to assets | 1.2046% | 1,511 |
| Return on assets (ROA) | 1.2046% | 1,622 |
| Pretax return on assets | 1.9807% | 610 |
| Return on Equity (ROE) | 9.2532% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.2532% | 1,306 |
| Net charge-offs to loans | 0.0336% | 3,559 |
| Credit loss provision to net charge-offs | 65.2174% | 2,355 |
| Earnings coverage of net charge-offs (x) | 71.7826% | 508 |
| Efficiency ratio | 47.6704% | 6,624 |
| Assets per employee ($millions) | 8.5602% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,726 |
| Loan loss allowance to noncurrent loans | 47.9074% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 2,597 |
| Noncurrent loans to loans | 2.2274% | 2,355 |
| Net loans and leases to total assets | 80.4263% | 392 |
| Net loans and leases to deposits | 101.6922% | 291 |
| Net loans and leases to core deposits | 117.0720% | 326 |
| Total domestic deposits to total assets | 79.0880% | 5,949 |
| Equity capital to assets | 13.0368% | 1,414 |
| Core capital (leverage) ratio | 13.0718% | 1,087 |
| Tier 1 risk-based capital ratio | 19.4908% | 1,908 |
| Total risk-based capital ratio | 20.7418% | 1,882 |
| Memoranda: | ||
| Average total assets | $330,393,000 | 1,988 |
| Average earning assets | $313,331,000 | 1,939 |
| Average equity | $43,012,000 | 1,661 |
| Average total loans | $273,678,000 | 1,555 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 1,821 |
| Cost of funding earning assets | 0.9802% | 1,469 |
| Net interest margin | 3.9259% | 2,716 |
| Noninterest income to average assets | 0.2417% | 5,717 |
| Noninterest expense to average assets | 1.8007% | 6,620 |
| Loan and lease loss provision to assets | 0.1992% | 3,145 |
| Net operating income to assets | 1.2064% | 1,585 |
| Return on assets (ROA) | 1.2064% | 1,746 |
| Pretax return on assets | 1.9668% | 638 |
| Return on Equity (ROE) | 9.3693% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.3693% | 729 |
| Net charge-offs to loans | -0.0218% | 6,565 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3956% | 6,803 |
| Assets per employee ($millions) | 8.3831% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,752 |
| Loan loss allowance to noncurrent loans | 44.2818% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.0059% | 2,445 |
| Noncurrent loans to loans | 2.3764% | 2,255 |
| Net loans and leases to total assets | 83.5187% | 246 |
| Net loans and leases to deposits | 105.9317% | 226 |
| Net loans and leases to core deposits | 122.6986% | 255 |
| Total domestic deposits to total assets | 78.8420% | 5,922 |
| Equity capital to assets | 12.9996% | 1,457 |
| Core capital (leverage) ratio | 13.0945% | 1,084 |
| Tier 1 risk-based capital ratio | 18.9423% | 1,974 |
| Total risk-based capital ratio | 20.1935% | 1,942 |
| Memoranda: | ||
| Average total assets | $314,830,400 | 2,041 |
| Average earning assets | $298,711,000 | 1,979 |
| Average equity | $40,536,600 | 1,720 |
| Average total loans | $261,735,800 | 1,581 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 1,986 |
| Cost of funding earning assets | 1.0014% | 1,549 |
| Net interest margin | 3.9054% | 2,896 |
| Noninterest income to average assets | 0.2386% | 5,844 |
| Noninterest expense to average assets | 1.8191% | 6,658 |
| Loan and lease loss provision to assets | 0.2416% | 2,636 |
| Net operating income to assets | 1.1511% | 1,901 |
| Return on assets (ROA) | 1.1511% | 2,098 |
| Pretax return on assets | 1.8836% | 901 |
| Return on Equity (ROE) | 8.9629% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.9629% | 1,243 |
| Net charge-offs to loans | -0.0584% | 6,746 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1188% | 6,812 |
| Assets per employee ($millions) | 8.6588% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 5,844 |
| Loan loss allowance to noncurrent loans | 41.1122% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 2.2002% | 2,433 |
| Noncurrent loans to loans | 2.5868% | 2,210 |
| Net loans and leases to total assets | 84.1523% | 215 |
| Net loans and leases to deposits | 106.8674% | 222 |
| Net loans and leases to core deposits | 124.2794% | 245 |
| Total domestic deposits to total assets | 78.7446% | 5,929 |
| Equity capital to assets | 12.9208% | 1,635 |
| Core capital (leverage) ratio | 13.1602% | 1,129 |
| Tier 1 risk-based capital ratio | 18.5336% | 2,156 |
| Total risk-based capital ratio | 19.7847% | 2,121 |
| Memoranda: | ||
| Average total assets | $311,803,000 | 2,086 |
| Average earning assets | $295,859,250 | 2,017 |
| Average equity | $40,045,500 | 1,754 |
| Average total loans | $258,179,750 | 1,616 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 1,998 |
| Cost of funding earning assets | 1.0250% | 1,607 |
| Net interest margin | 3.9028% | 2,892 |
| Noninterest income to average assets | 0.2331% | 5,904 |
| Noninterest expense to average assets | 1.8366% | 6,709 |
| Loan and lease loss provision to assets | 0.2466% | 2,594 |
| Net operating income to assets | 1.1329% | 1,938 |
| Return on assets (ROA) | 1.1329% | 2,154 |
| Pretax return on assets | 1.8521% | 935 |
| Return on Equity (ROE) | 8.8394% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.8394% | 1,329 |
| Net charge-offs to loans | -0.0702% | 6,759 |
| Credit loss provision to net charge-offs | -428.0899% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6689% | 6,848 |
| Assets per employee ($millions) | 9.1578% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,994 |
| Loan loss allowance to noncurrent loans | 35.9050% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,322 |
| Noncurrent loans to loans | 2.9031% | 2,057 |
| Net loans and leases to total assets | 82.0201% | 338 |
| Net loans and leases to deposits | 102.4310% | 323 |
| Net loans and leases to core deposits | 119.2744% | 327 |
| Total domestic deposits to total assets | 80.0735% | 5,722 |
| Equity capital to assets | 12.9921% | 1,524 |
| Core capital (leverage) ratio | 13.0396% | 1,140 |
| Tier 1 risk-based capital ratio | 19.2183% | 1,910 |
| Total risk-based capital ratio | 20.4691% | 1,885 |
| Memoranda: | ||
| Average total assets | $308,945,670 | 2,105 |
| Average earning assets | $293,071,000 | 2,027 |
| Average equity | $39,595,670 | 1,761 |
| Average total loans | $253,406,000 | 1,644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 2,068 |
| Cost of funding earning assets | 1.0499% | 1,676 |
| Net interest margin | 3.8986% | 2,933 |
| Noninterest income to average assets | 0.2041% | 6,166 |
| Noninterest expense to average assets | 1.8613% | 6,715 |
| Loan and lease loss provision to assets | 0.2548% | 2,416 |
| Net operating income to assets | 1.0814% | 2,164 |
| Return on assets (ROA) | 1.0814% | 2,343 |
| Pretax return on assets | 1.7898% | 1,092 |
| Return on Equity (ROE) | 8.4969% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.4969% | 1,779 |
| Net charge-offs to loans | -0.1290% | 6,874 |
| Credit loss provision to net charge-offs | -241.9753% | 5,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6539% | 6,831 |
| Assets per employee ($millions) | 8.6739% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,246 |
| Loan loss allowance to noncurrent loans | 34.2618% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.3339% | 2,551 |
| Noncurrent loans to loans | 2.9195% | 2,222 |
| Net loans and leases to total assets | 79.1441% | 480 |
| Net loans and leases to deposits | 98.2090% | 434 |
| Net loans and leases to core deposits | 114.1047% | 428 |
| Total domestic deposits to total assets | 80.5875% | 5,704 |
| Equity capital to assets | 12.6762% | 1,611 |
| Core capital (leverage) ratio | 12.9168% | 1,154 |
| Tier 1 risk-based capital ratio | 19.4066% | 1,868 |
| Total risk-based capital ratio | 20.6567% | 1,833 |
| Memoranda: | ||
| Average total assets | $307,736,000 | 2,113 |
| Average earning assets | $292,207,000 | 2,046 |
| Average equity | $39,167,000 | 1,770 |
| Average total loans | $251,073,000 | 1,656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 1,938 |
| Cost of funding earning assets | 1.1824% | 2,148 |
| Net interest margin | 4.0501% | 2,634 |
| Noninterest income to average assets | 0.1873% | 6,157 |
| Noninterest expense to average assets | 1.9009% | 6,829 |
| Loan and lease loss provision to assets | 0.3133% | 3,161 |
| Net operating income to assets | 1.1146% | 1,777 |
| Return on assets (ROA) | 1.1146% | 1,900 |
| Pretax return on assets | 1.8129% | 784 |
| Return on Equity (ROE) | 8.8649% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.8649% | 843 |
| Net charge-offs to loans | 0.0873% | 5,460 |
| Credit loss provision to net charge-offs | 436.3208% | 520 |
| Earnings coverage of net charge-offs (x) | 29.6132% | 852 |
| Efficiency ratio | 47.2038% | 6,987 |
| Assets per employee ($millions) | 8.4225% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,579 |
| Loan loss allowance to noncurrent loans | 30.3527% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 2.4122% | 2,521 |
| Noncurrent loans to loans | 2.8965% | 2,257 |
| Net loans and leases to total assets | 82.5474% | 303 |
| Net loans and leases to deposits | 102.9695% | 339 |
| Net loans and leases to core deposits | 120.2876% | 345 |
| Total domestic deposits to total assets | 80.1669% | 5,696 |
| Equity capital to assets | 12.7803% | 1,612 |
| Core capital (leverage) ratio | 12.9684% | 1,152 |
| Tier 1 risk-based capital ratio | 19.0655% | 1,876 |
| Total risk-based capital ratio | 20.2032% | 1,870 |
| Memoranda: | ||
| Average total assets | $295,274,200 | 2,167 |
| Average earning assets | $279,941,400 | 2,100 |
| Average equity | $37,124,000 | 1,818 |
| Average total loans | $242,828,400 | 1,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 2,176 |
| Cost of funding earning assets | 1.2098% | 2,259 |
| Net interest margin | 3.9993% | 2,914 |
| Noninterest income to average assets | 0.1978% | 6,180 |
| Noninterest expense to average assets | 1.9039% | 6,843 |
| Loan and lease loss provision to assets | 0.1932% | 4,088 |
| Net operating income to assets | 1.1615% | 1,776 |
| Return on assets (ROA) | 1.1615% | 1,885 |
| Pretax return on assets | 1.8907% | 797 |
| Return on Equity (ROE) | 9.2779% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.2779% | 1,050 |
| Net charge-offs to loans | 0.0582% | 5,383 |
| Credit loss provision to net charge-offs | 404.7619% | 709 |
| Earnings coverage of net charge-offs (x) | 43.6561% | 728 |
| Efficiency ratio | 47.7428% | 6,974 |
| Assets per employee ($millions) | 8.3587% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 6,919 |
| Loan loss allowance to noncurrent loans | 31.9965% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 1.9374% | 3,218 |
| Noncurrent loans to loans | 2.2945% | 3,002 |
| Net loans and leases to total assets | 82.0918% | 347 |
| Net loans and leases to deposits | 102.1913% | 379 |
| Net loans and leases to core deposits | 118.7398% | 421 |
| Total domestic deposits to total assets | 80.3315% | 5,640 |
| Equity capital to assets | 12.6333% | 1,830 |
| Core capital (leverage) ratio | 12.8355% | 1,278 |
| Tier 1 risk-based capital ratio | 18.9549% | 1,953 |
| Total risk-based capital ratio | 19.9100% | 2,000 |
| Memoranda: | ||
| Average total assets | $293,290,250 | 2,182 |
| Average earning assets | $277,941,000 | 2,119 |
| Average equity | $36,717,250 | 1,834 |
| Average total loans | $240,407,500 | 1,755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 2,139 |
| Cost of funding earning assets | 1.2284% | 2,395 |
| Net interest margin | 4.0026% | 2,821 |
| Noninterest income to average assets | 0.1995% | 6,242 |
| Noninterest expense to average assets | 1.9556% | 6,865 |
| Loan and lease loss provision to assets | 0.1238% | 4,739 |
| Net operating income to assets | 1.1735% | 1,651 |
| Return on assets (ROA) | 1.1735% | 1,733 |
| Pretax return on assets | 1.9102% | 692 |
| Return on Equity (ROE) | 9.4034% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.4034% | 986 |
| Net charge-offs to loans | -0.0008% | 6,517 |
| Credit loss provision to net charge-offs | -18,000.0000% | 6,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0172% | 7,007 |
| Assets per employee ($millions) | 7.9904% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6915% | 7,029 |
| Loan loss allowance to noncurrent loans | 44.1077% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 4,311 |
| Noncurrent loans to loans | 1.5678% | 4,061 |
| Net loans and leases to total assets | 81.9930% | 372 |
| Net loans and leases to deposits | 102.4206% | 373 |
| Net loans and leases to core deposits | 122.3781% | 368 |
| Total domestic deposits to total assets | 80.0552% | 5,808 |
| Equity capital to assets | 12.5708% | 1,744 |
| Core capital (leverage) ratio | 12.8052% | 1,247 |
| Tier 1 risk-based capital ratio | 19.2649% | 1,765 |
| Total risk-based capital ratio | 20.1834% | 1,829 |
| Memoranda: | ||
| Average total assets | $290,749,670 | 2,214 |
| Average earning assets | $275,321,000 | 2,142 |
| Average equity | $36,284,670 | 1,843 |
| Average total loans | $237,593,000 | 1,795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1956% | 2,236 |
| Cost of funding earning assets | 1.2447% | 2,539 |
| Net interest margin | 3.9509% | 2,910 |
| Noninterest income to average assets | 0.2067% | 6,256 |
| Noninterest expense to average assets | 1.9854% | 6,847 |
| Loan and lease loss provision to assets | 0.1249% | 4,438 |
| Net operating income to assets | 1.1280% | 1,743 |
| Return on assets (ROA) | 1.1280% | 1,789 |
| Pretax return on assets | 1.8356% | 765 |
| Return on Equity (ROE) | 9.0725% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.0725% | 1,364 |
| Net charge-offs to loans | -0.0017% | 6,173 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3165% | 6,963 |
| Assets per employee ($millions) | 7.6274% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 7,100 |
| Loan loss allowance to noncurrent loans | 36.8288% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 4,006 |
| Noncurrent loans to loans | 1.8446% | 3,762 |
| Net loans and leases to total assets | 80.6073% | 464 |
| Net loans and leases to deposits | 97.6657% | 591 |
| Net loans and leases to core deposits | 115.9682% | 536 |
| Total domestic deposits to total assets | 82.5339% | 5,097 |
| Equity capital to assets | 12.5144% | 1,623 |
| Core capital (leverage) ratio | 12.6424% | 1,271 |
| Tier 1 risk-based capital ratio | 19.3927% | 1,717 |
| Total risk-based capital ratio | 20.2894% | 1,752 |
| Memoranda: | ||
| Average total assets | $288,301,500 | 2,248 |
| Average earning assets | $272,846,000 | 2,178 |
| Average equity | $35,844,500 | 1,849 |
| Average total loans | $234,341,000 | 1,839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 2,427 |
| Cost of funding earning assets | 1.3926% | 3,318 |
| Net interest margin | 4.0696% | 2,709 |
| Noninterest income to average assets | 0.2594% | 5,944 |
| Noninterest expense to average assets | 1.9689% | 7,072 |
| Loan and lease loss provision to assets | 0.1259% | 5,904 |
| Net operating income to assets | 1.2429% | 1,312 |
| Return on assets (ROA) | 1.2429% | 1,382 |
| Pretax return on assets | 2.0143% | 466 |
| Return on Equity (ROE) | 10.2346% | 1,841 |
| Retained earnings to average equity (ytd only) | 10.2346% | 478 |
| Net charge-offs to loans | 0.1259% | 5,635 |
| Credit loss provision to net charge-offs | 122.8070% | 3,396 |
| Earnings coverage of net charge-offs (x) | 20.8737% | 983 |
| Efficiency ratio | 47.9163% | 7,270 |
| Assets per employee ($millions) | 7.3529% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 7,204 |
| Loan loss allowance to noncurrent loans | 35.7024% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 4,115 |
| Noncurrent loans to loans | 1.8081% | 3,805 |
| Net loans and leases to total assets | 80.8838% | 558 |
| Net loans and leases to deposits | 98.1425% | 705 |
| Net loans and leases to core deposits | 119.1736% | 555 |
| Total domestic deposits to total assets | 82.4147% | 5,055 |
| Equity capital to assets | 12.3507% | 1,719 |
| Core capital (leverage) ratio | 12.5305% | 1,303 |
| Tier 1 risk-based capital ratio | 19.1644% | 1,680 |
| Total risk-based capital ratio | 20.0191% | 1,741 |
| Memoranda: | ||
| Average total assets | $277,969,200 | 2,300 |
| Average earning assets | $262,952,600 | 2,231 |
| Average equity | $33,758,200 | 1,958 |
| Average total loans | $226,427,800 | 1,928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4946% | 2,446 |
| Cost of funding earning assets | 1.4221% | 3,443 |
| Net interest margin | 4.0726% | 2,744 |
| Noninterest income to average assets | 0.2127% | 6,388 |
| Noninterest expense to average assets | 1.9533% | 7,129 |
| Loan and lease loss provision to assets | 0.1112% | 5,917 |
| Net operating income to assets | 1.2363% | 1,496 |
| Return on assets (ROA) | 1.2363% | 1,576 |
| Pretax return on assets | 2.0016% | 617 |
| Return on Equity (ROE) | 10.2246% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.2246% | 746 |
| Net charge-offs to loans | 0.0398% | 6,158 |
| Credit loss provision to net charge-offs | 343.2836% | 927 |
| Earnings coverage of net charge-offs (x) | 65.2247% | 460 |
| Efficiency ratio | 48.0380% | 7,268 |
| Assets per employee ($millions) | 7.4200% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 7,207 |
| Loan loss allowance to noncurrent loans | 17.8373% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 3.1912% | 2,250 |
| Noncurrent loans to loans | 3.8897% | 1,955 |
| Net loans and leases to total assets | 81.4730% | 562 |
| Net loans and leases to deposits | 98.9477% | 730 |
| Net loans and leases to core deposits | 119.1597% | 640 |
| Total domestic deposits to total assets | 82.3394% | 4,859 |
| Equity capital to assets | 12.2833% | 1,985 |
| Core capital (leverage) ratio | 12.2694% | 1,527 |
| Tier 1 risk-based capital ratio | 18.8938% | 1,775 |
| Total risk-based capital ratio | 19.7952% | 1,829 |
| Memoranda: | ||
| Average total assets | $275,771,000 | 2,347 |
| Average earning assets | $260,926,750 | 2,287 |
| Average equity | $33,343,500 | 1,999 |
| Average total loans | $224,672,000 | 1,959 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5171% | 2,454 |
| Cost of funding earning assets | 1.4409% | 3,612 |
| Net interest margin | 4.0762% | 2,674 |
| Noninterest income to average assets | 0.2178% | 6,361 |
| Noninterest expense to average assets | 1.9283% | 7,212 |
| Loan and lease loss provision to assets | 0.1023% | 5,893 |
| Net operating income to assets | 1.2605% | 1,399 |
| Return on assets (ROA) | 1.2605% | 1,469 |
| Pretax return on assets | 2.0423% | 558 |
| Return on Equity (ROE) | 10.4821% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.4821% | 753 |
| Net charge-offs to loans | 0.0602% | 5,547 |
| Credit loss provision to net charge-offs | 208.9552% | 1,861 |
| Earnings coverage of net charge-offs (x) | 43.8060% | 671 |
| Efficiency ratio | 47.3448% | 7,379 |
| Assets per employee ($millions) | 7.6015% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 7,304 |
| Loan loss allowance to noncurrent loans | 16.1963% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 3.3258% | 2,120 |
| Noncurrent loans to loans | 4.1330% | 1,810 |
| Net loans and leases to total assets | 79.9314% | 810 |
| Net loans and leases to deposits | 96.6505% | 991 |
| Net loans and leases to core deposits | 115.7889% | 852 |
| Total domestic deposits to total assets | 82.7015% | 4,695 |
| Equity capital to assets | 12.0183% | 2,085 |
| Core capital (leverage) ratio | 12.3114% | 1,492 |
| Tier 1 risk-based capital ratio | 19.0370% | 1,713 |
| Total risk-based capital ratio | 19.8889% | 1,771 |
| Memoranda: | ||
| Average total assets | $273,707,670 | 2,377 |
| Average earning assets | $258,868,330 | 2,315 |
| Average equity | $32,913,330 | 2,020 |
| Average total loans | $222,453,670 | 2,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 2,957 |
| Cost of funding earning assets | 1.4861% | 3,645 |
| Net interest margin | 3.9312% | 3,193 |
| Noninterest income to average assets | 0.2341% | 6,281 |
| Noninterest expense to average assets | 1.9516% | 7,249 |
| Loan and lease loss provision to assets | 0.0889% | 5,750 |
| Net operating income to assets | 1.1810% | 1,591 |
| Return on assets (ROA) | 1.1810% | 1,672 |
| Pretax return on assets | 1.9175% | 714 |
| Return on Equity (ROE) | 9.8186% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.8186% | 1,182 |
| Net charge-offs to loans | -0.0236% | 7,116 |
| Credit loss provision to net charge-offs | -461.5385% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3074% | 7,358 |
| Assets per employee ($millions) | 7.3441% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 7,365 |
| Loan loss allowance to noncurrent loans | 16.5900% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 3.3607% | 2,115 |
| Noncurrent loans to loans | 4.1252% | 1,879 |
| Net loans and leases to total assets | 80.9092% | 726 |
| Net loans and leases to deposits | 98.3929% | 873 |
| Net loans and leases to core deposits | 116.7552% | 918 |
| Total domestic deposits to total assets | 82.2307% | 4,966 |
| Equity capital to assets | 12.0979% | 1,988 |
| Core capital (leverage) ratio | 12.1498% | 1,572 |
| Tier 1 risk-based capital ratio | 18.1377% | 1,916 |
| Total risk-based capital ratio | 18.9722% | 1,989 |
| Memoranda: | ||
| Average total assets | $269,934,000 | 2,473 |
| Average earning assets | $255,701,000 | 2,394 |
| Average equity | $32,469,000 | 2,066 |
| Average total loans | $220,517,500 | 2,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 4,057 |
| Cost of funding earning assets | 1.9607% | 3,148 |
| Net interest margin | 3.5559% | 4,720 |
| Noninterest income to average assets | 0.2842% | 6,070 |
| Noninterest expense to average assets | 1.9727% | 7,404 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0254% | 1,760 |
| Return on assets (ROA) | 1.0254% | 1,804 |
| Pretax return on assets | 1.6877% | 806 |
| Return on Equity (ROE) | 8.5962% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.5962% | 567 |
| Net charge-offs to loans | 0.0092% | 7,101 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 228.7895% | 126 |
| Efficiency ratio | 53.8927% | 7,242 |
| Assets per employee ($millions) | 7.4482% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 7,461 |
| Loan loss allowance to noncurrent loans | 15.1169% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 3.5575% | 1,879 |
| Noncurrent loans to loans | 4.3426% | 1,651 |
| Net loans and leases to total assets | 81.3848% | 784 |
| Net loans and leases to deposits | 98.8700% | 1,012 |
| Net loans and leases to core deposits | 138.0822% | 876 |
| Total domestic deposits to total assets | 82.3149% | 4,810 |
| Equity capital to assets | 11.9582% | 2,055 |
| Core capital (leverage) ratio | 12.2430% | 1,554 |
| Tier 1 risk-based capital ratio | 18.4835% | 1,756 |
| Total risk-based capital ratio | 19.3130% | 1,835 |
| Memoranda: | ||
| Average total assets | $257,563,200 | 2,543 |
| Average earning assets | $244,554,400 | 2,457 |
| Average equity | $30,722,800 | 2,183 |
| Average total loans | $207,112,600 | 2,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 4,067 |
| Cost of funding earning assets | 2.0711% | 3,029 |
| Net interest margin | 3.4935% | 4,885 |
| Noninterest income to average assets | 0.2950% | 6,120 |
| Noninterest expense to average assets | 1.9671% | 7,444 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0026% | 2,045 |
| Return on assets (ROA) | 1.0026% | 2,106 |
| Pretax return on assets | 1.6460% | 1,081 |
| Return on Equity (ROE) | 8.4112% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.4112% | 1,008 |
| Net charge-offs to loans | 0.0124% | 6,749 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 165.6494% | 227 |
| Efficiency ratio | 54.4441% | 7,188 |
| Assets per employee ($millions) | 7.3832% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6873% | 7,405 |
| Loan loss allowance to noncurrent loans | 54.6212% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 5,032 |
| Noncurrent loans to loans | 1.2582% | 4,842 |
| Net loans and leases to total assets | 80.6364% | 1,058 |
| Net loans and leases to deposits | 95.8976% | 1,589 |
| Net loans and leases to core deposits | 135.3893% | 1,132 |
| Total domestic deposits to total assets | 84.0859% | 3,687 |
| Equity capital to assets | 12.1279% | 2,171 |
| Core capital (leverage) ratio | 12.2566% | 1,678 |
| Tier 1 risk-based capital ratio | 19.1034% | 1,727 |
| Total risk-based capital ratio | 19.9805% | 1,768 |
| Memoranda: | ||
| Average total assets | $254,920,250 | 2,576 |
| Average earning assets | $242,119,750 | 2,495 |
| Average equity | $30,387,500 | 2,223 |
| Average total loans | $203,975,000 | 2,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6459% | 3,840 |
| Cost of funding earning assets | 2.1769% | 2,903 |
| Net interest margin | 3.4690% | 4,938 |
| Noninterest income to average assets | 0.3153% | 5,986 |
| Noninterest expense to average assets | 1.9609% | 7,534 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0073% | 2,078 |
| Return on assets (ROA) | 1.0073% | 2,174 |
| Pretax return on assets | 1.6512% | 1,110 |
| Return on Equity (ROE) | 8.5002% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.5002% | 1,068 |
| Net charge-offs to loans | 0.0198% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 104.7500% | 367 |
| Efficiency ratio | 54.2876% | 7,301 |
| Assets per employee ($millions) | 7.0902% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 7,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 77.1189% | 1,927 |
| Net loans and leases to deposits | 91.5911% | 2,553 |
| Net loans and leases to core deposits | 131.5365% | 1,457 |
| Total domestic deposits to total assets | 84.1992% | 3,647 |
| Equity capital to assets | 12.0280% | 2,189 |
| Core capital (leverage) ratio | 12.0801% | 1,799 |
| Tier 1 risk-based capital ratio | 19.3435% | 1,710 |
| Total risk-based capital ratio | 20.2495% | 1,731 |
| Memoranda: | ||
| Average total assets | $253,756,000 | 2,594 |
| Average earning assets | $241,165,670 | 2,510 |
| Average equity | $30,070,000 | 2,258 |
| Average total loans | $202,027,670 | 2,328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7688% | 3,441 |
| Cost of funding earning assets | 2.2378% | 2,973 |
| Net interest margin | 3.5310% | 4,610 |
| Noninterest income to average assets | 0.2972% | 6,060 |
| Noninterest expense to average assets | 1.9098% | 7,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0719% | 2,058 |
| Return on assets (ROA) | 1.0719% | 2,196 |
| Pretax return on assets | 1.7501% | 1,079 |
| Return on Equity (ROE) | 9.1146% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.1146% | 1,440 |
| Net charge-offs to loans | 0.0432% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 50.3182% | 724 |
| Efficiency ratio | 52.1814% | 7,397 |
| Assets per employee ($millions) | 7.4335% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 7,403 |
| Loan loss allowance to noncurrent loans | 2,821.5686% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 7,571 |
| Noncurrent loans to loans | 0.0253% | 7,482 |
| Net loans and leases to total assets | 79.2152% | 1,538 |
| Net loans and leases to deposits | 94.7057% | 2,153 |
| Net loans and leases to core deposits | 138.1386% | 1,199 |
| Total domestic deposits to total assets | 83.6435% | 3,863 |
| Equity capital to assets | 11.9100% | 2,315 |
| Core capital (leverage) ratio | 11.8030% | 1,998 |
| Tier 1 risk-based capital ratio | 19.0133% | 1,807 |
| Total risk-based capital ratio | 19.9202% | 1,841 |
| Memoranda: | ||
| Average total assets | $253,011,000 | 2,614 |
| Average earning assets | $240,950,500 | 2,527 |
| Average equity | $29,754,500 | 2,299 |
| Average total loans | $203,899,500 | 2,326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9708% | 5,700 |
| Cost of funding earning assets | 2.5694% | 3,852 |
| Net interest margin | 3.4014% | 5,658 |
| Noninterest income to average assets | 0.2839% | 6,436 |
| Noninterest expense to average assets | 1.8643% | 7,668 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0176% | 2,486 |
| Return on assets (ROA) | 1.0176% | 2,374 |
| Pretax return on assets | 1.6422% | 1,283 |
| Return on Equity (ROE) | 8.9605% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.9605% | 617 |
| Net charge-offs to loans | 0.0010% | 7,025 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2,033.5000% | 10 |
| Efficiency ratio | 53.1667% | 7,361 |
| Assets per employee ($millions) | 7.4495% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 7,402 |
| Loan loss allowance to noncurrent loans | 5,411.1111% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 7,581 |
| Noncurrent loans to loans | 0.0131% | 7,491 |
| Net loans and leases to total assets | 80.8152% | 1,488 |
| Net loans and leases to deposits | 99.8585% | 1,847 |
| Net loans and leases to core deposits | 147.6844% | 951 |
| Total domestic deposits to total assets | 80.9297% | 4,670 |
| Equity capital to assets | 11.6107% | 2,563 |
| Core capital (leverage) ratio | 11.7080% | 2,123 |
| Tier 1 risk-based capital ratio | 18.4303% | 1,931 |
| Total risk-based capital ratio | 19.3434% | 1,969 |
| Memoranda: | ||
| Average total assets | $247,651,400 | 2,580 |
| Average earning assets | $234,641,800 | 2,514 |
| Average equity | $28,123,400 | 2,400 |
| Average total loans | $195,701,000 | 2,344 |