Home > Fall River Five Cents Savings Bank > Performance and Condition Ratios
Fall River Five Cents Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 3,491 |
| Cost of funding earning assets | 1.9038% | 1,060 |
| Net interest margin | 2.3641% | 4,213 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.3615% | 2,692 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3469% | 3,961 |
| Return on assets (ROA) | 0.3441% | 3,961 |
| Pretax return on assets | 0.4500% | 3,896 |
| Return on Equity (ROE) | 5.4000% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.3966% | 2,451 |
| Net charge-offs to loans | 0.0014% | 2,791 |
| Credit loss provision to net charge-offs | 1,147.3684% | 370 |
| Earnings coverage of net charge-offs (x) | 432.4737% | 330 |
| Efficiency ratio | 83.5228% | 687 |
| Assets per employee ($millions) | 8.0053% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 4,241 |
| Loan loss allowance to noncurrent loans | 592.7148% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,005 |
| Noncurrent loans to loans | 0.1017% | 3,033 |
| Net loans and leases to total assets | 78.5900% | 803 |
| Net loans and leases to deposits | 108.2186% | 236 |
| Net loans and leases to core deposits | 134.7597% | 337 |
| Total domestic deposits to total assets | 72.6200% | 4,191 |
| Equity capital to assets | 6.6067% | 4,079 |
| Core capital (leverage) ratio | 8.6611% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1243% | 2,545 |
| Memoranda: | ||
| Average total assets | $1,763,766,200 | 634 |
| Average earning assets | $1,666,814,000 | 617 |
| Average equity | $112,478,000 | 872 |
| Average total loans | $1,385,819,800 | 552 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,527 |
| Cost of funding earning assets | 1.7507% | 1,096 |
| Net interest margin | 2.4171% | 4,211 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.4525% | 2,366 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4472% | 3,876 |
| Return on assets (ROA) | 0.4425% | 3,887 |
| Pretax return on assets | 0.4227% | 4,029 |
| Return on Equity (ROE) | 7.0000% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.0040% | 2,287 |
| Net charge-offs to loans | 0.0009% | 2,609 |
| Credit loss provision to net charge-offs | 4,544.4444% | 111 |
| Earnings coverage of net charge-offs (x) | 669.6667% | 238 |
| Efficiency ratio | 84.2477% | 600 |
| Assets per employee ($millions) | 8.7167% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6297% | 4,232 |
| Loan loss allowance to noncurrent loans | 593.8089% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,036 |
| Noncurrent loans to loans | 0.1060% | 3,042 |
| Net loans and leases to total assets | 77.5400% | 939 |
| Net loans and leases to deposits | 106.4626% | 282 |
| Net loans and leases to core deposits | 133.4699% | 300 |
| Total domestic deposits to total assets | 72.8400% | 4,223 |
| Equity capital to assets | 6.1834% | 3,924 |
| Core capital (leverage) ratio | 8.7069% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0791% | 2,586 |
| Memoranda: | ||
| Average total assets | $1,752,406,000 | 639 |
| Average earning assets | $1,655,072,250 | 619 |
| Average equity | $110,715,250 | 878 |
| Average total loans | $1,374,643,500 | 558 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 3,534 |
| Cost of funding earning assets | 1.5655% | 1,136 |
| Net interest margin | 2.5102% | 4,199 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.5383% | 2,101 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3811% | 4,036 |
| Return on assets (ROA) | 0.3755% | 4,057 |
| Pretax return on assets | 0.4875% | 3,989 |
| Return on Equity (ROE) | 5.9000% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.9000% | 2,661 |
| Net charge-offs to loans | -0.0012% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.8625% | 664 |
| Assets per employee ($millions) | 8.4328% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6269% | 4,266 |
| Loan loss allowance to noncurrent loans | 1,085.6429% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,322 |
| Noncurrent loans to loans | 0.0577% | 3,283 |
| Net loans and leases to total assets | 77.4700% | 892 |
| Net loans and leases to deposits | 106.6970% | 288 |
| Net loans and leases to core deposits | 132.5344% | 291 |
| Total domestic deposits to total assets | 72.6100% | 4,269 |
| Equity capital to assets | 6.3942% | 4,036 |
| Core capital (leverage) ratio | 8.6993% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2119% | 2,567 |
| Memoranda: | ||
| Average total assets | $1,737,991,667 | 628 |
| Average earning assets | $1,644,240,000 | 612 |
| Average equity | $110,609,667 | 872 |
| Average total loans | $1,365,775,000 | 547 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 3,510 |
| Cost of funding earning assets | 1.4289% | 973 |
| Net interest margin | 2.5400% | 4,268 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.5673% | 2,057 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2066% | 4,350 |
| Return on assets (ROA) | 0.1952% | 4,326 |
| Pretax return on assets | 0.2606% | 4,287 |
| Return on Equity (ROE) | 3.0700% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.0744% | 3,487 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.6973% | 367 |
| Assets per employee ($millions) | 7.6187% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6269% | 4,331 |
| Loan loss allowance to noncurrent loans | 591.5629% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 2,966 |
| Noncurrent loans to loans | 0.1060% | 3,005 |
| Net loans and leases to total assets | 78.4000% | 728 |
| Net loans and leases to deposits | 103.6559% | 309 |
| Net loans and leases to core deposits | 129.3139% | 280 |
| Total domestic deposits to total assets | 75.6300% | 4,182 |
| Equity capital to assets | 6.3837% | 4,068 |
| Core capital (leverage) ratio | 8.7157% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3685% | 2,612 |
| Memoranda: | ||
| Average total assets | $1,717,323,500 | 646 |
| Average earning assets | $1,626,169,500 | 630 |
| Average equity | $109,028,000 | 888 |
| Average total loans | $1,355,095,000 | 562 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 3,008 |
| Cost of funding earning assets | 0.6249% | 810 |
| Net interest margin | 2.9027% | 3,673 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4935% | 2,137 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.4682% | 4,139 |
| Return on assets (ROA) | 0.7738% | 3,353 |
| Pretax return on assets | 1.0263% | 2,998 |
| Return on Equity (ROE) | 11.0500% | 2,459 |
| Retained earnings to average equity (ytd only) | 11.0489% | 874 |
| Net charge-offs to loans | 0.0003% | 2,605 |
| Credit loss provision to net charge-offs | 48,200.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 3,006.0000% | 46 |
| Efficiency ratio | 76.6025% | 959 |
| Assets per employee ($millions) | 7.7509% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,123 |
| Loan loss allowance to noncurrent loans | 699.7251% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 2,954 |
| Noncurrent loans to loans | 0.1081% | 2,993 |
| Net loans and leases to total assets | 78.3300% | 765 |
| Net loans and leases to deposits | 101.0141% | 399 |
| Net loans and leases to core deposits | 124.9767% | 290 |
| Total domestic deposits to total assets | 77.5400% | 4,126 |
| Equity capital to assets | 6.3132% | 3,973 |
| Core capital (leverage) ratio | 8.6855% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6200% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,578,737,200 | 680 |
| Average earning assets | $1,497,766,600 | 657 |
| Average equity | $110,563,000 | 877 |
| Average total loans | $1,220,901,400 | 573 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3880% | 2,943 |
| Cost of funding earning assets | 0.4677% | 891 |
| Net interest margin | 2.9203% | 3,434 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.5164% | 1,967 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.5157% | 4,041 |
| Return on assets (ROA) | 0.5157% | 3,986 |
| Pretax return on assets | 0.6631% | 3,878 |
| Return on Equity (ROE) | 7.1700% | 3,558 |
| Retained earnings to average equity (ytd only) | 7.1690% | 2,315 |
| Net charge-offs to loans | -0.0007% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6340% | 1,109 |
| Assets per employee ($millions) | 7.6597% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 4,170 |
| Loan loss allowance to noncurrent loans | 538.3162% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 2,863 |
| Noncurrent loans to loans | 0.1406% | 2,925 |
| Net loans and leases to total assets | 77.6400% | 739 |
| Net loans and leases to deposits | 102.8638% | 271 |
| Net loans and leases to core deposits | 120.8241% | 247 |
| Total domestic deposits to total assets | 75.4800% | 4,388 |
| Equity capital to assets | 5.7139% | 4,069 |
| Core capital (leverage) ratio | 8.6725% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3343% | 2,709 |
| Memoranda: | ||
| Average total assets | $1,547,123,500 | 692 |
| Average earning assets | $1,468,536,250 | 674 |
| Average equity | $111,290,750 | 891 |
| Average total loans | $1,189,679,750 | 581 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2664% | 2,854 |
| Cost of funding earning assets | 0.3443% | 1,322 |
| Net interest margin | 2.9221% | 3,110 |
| Noninterest income to average assets | 0.6213% | 1,649 |
| Noninterest expense to average assets | 2.4127% | 2,193 |
| Loan and lease loss provision to assets | 0.1847% | 473 |
| Net operating income to assets | 0.6155% | 3,586 |
| Return on assets (ROA) | 0.6155% | 3,532 |
| Pretax return on assets | 0.8009% | 3,324 |
| Return on Equity (ROE) | 7.9455% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.9455% | 1,637 |
| Net charge-offs to loans | -0.0009% | 3,028 |
| Credit loss provision to net charge-offs | -27,720.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9990% | 1,829 |
| Assets per employee ($millions) | 7.4533% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 4,232 |
| Loan loss allowance to noncurrent loans | 515.3312% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,897 |
| Noncurrent loans to loans | 0.1484% | 2,954 |
| Net loans and leases to total assets | 77.3842% | 609 |
| Net loans and leases to deposits | 98.5928% | 322 |
| Net loans and leases to core deposits | 114.8517% | 264 |
| Total domestic deposits to total assets | 78.4887% | 4,331 |
| Equity capital to assets | 6.5489% | 4,000 |
| Core capital (leverage) ratio | 9.1712% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7118% | 2,603 |
| Memoranda: | ||
| Average total assets | $1,501,119,000 | 697 |
| Average earning assets | $1,426,600,667 | 682 |
| Average equity | $116,292,000 | 859 |
| Average total loans | $1,146,779,000 | 589 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 2,479 |
| Cost of funding earning assets | 0.3127% | 1,538 |
| Net interest margin | 2.9557% | 2,650 |
| Noninterest income to average assets | 0.6852% | 1,368 |
| Noninterest expense to average assets | 2.8718% | 1,012 |
| Loan and lease loss provision to assets | 0.0920% | 897 |
| Net operating income to assets | 0.4255% | 3,901 |
| Return on assets (ROA) | 0.4255% | 3,865 |
| Pretax return on assets | 0.5300% | 3,817 |
| Return on Equity (ROE) | 5.0544% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.0544% | 2,574 |
| Net charge-offs to loans | 0.0011% | 1,800 |
| Credit loss provision to net charge-offs | 11,066.6667% | 43 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 126 |
| Efficiency ratio | 82.1961% | 969 |
| Assets per employee ($millions) | 6.6622% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 4,266 |
| Loan loss allowance to noncurrent loans | 506.8477% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 2,992 |
| Noncurrent loans to loans | 0.1555% | 3,024 |
| Net loans and leases to total assets | 75.1151% | 573 |
| Net loans and leases to deposits | 86.6875% | 696 |
| Net loans and leases to core deposits | 99.0776% | 540 |
| Total domestic deposits to total assets | 86.6504% | 3,048 |
| Equity capital to assets | 7.9145% | 3,632 |
| Core capital (leverage) ratio | 9.3636% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8349% | 2,289 |
| Memoranda: | ||
| Average total assets | $1,442,999,500 | 722 |
| Average earning assets | $1,371,179,000 | 706 |
| Average equity | $121,478,500 | 848 |
| Average total loans | $1,089,555,500 | 609 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 3,040 |
| Cost of funding earning assets | 0.4755% | 1,031 |
| Net interest margin | 2.8789% | 3,493 |
| Noninterest income to average assets | 1.3783% | 576 |
| Noninterest expense to average assets | 2.8776% | 1,199 |
| Loan and lease loss provision to assets | 0.0893% | 1,386 |
| Net operating income to assets | 0.9157% | 2,983 |
| Return on assets (ROA) | 0.9175% | 3,039 |
| Pretax return on assets | 1.1376% | 2,865 |
| Return on Equity (ROE) | 11.0706% | 2,142 |
| Retained earnings to average equity (ytd only) | 11.0706% | 690 |
| Net charge-offs to loans | -0.0041% | 3,509 |
| Credit loss provision to net charge-offs | -2,904.8780% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1459% | 1,713 |
| Assets per employee ($millions) | 6.6989% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 4,330 |
| Loan loss allowance to noncurrent loans | 512.8571% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 3,152 |
| Noncurrent loans to loans | 0.1478% | 3,200 |
| Net loans and leases to total assets | 74.7314% | 607 |
| Net loans and leases to deposits | 88.2518% | 637 |
| Net loans and leases to core deposits | 101.4715% | 474 |
| Total domestic deposits to total assets | 84.6797% | 3,367 |
| Equity capital to assets | 8.9197% | 3,707 |
| Core capital (leverage) ratio | 9.7933% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8374% | 2,307 |
| Memoranda: | ||
| Average total assets | $1,333,042,200 | 751 |
| Average earning assets | $1,261,366,800 | 736 |
| Average equity | $110,481,400 | 941 |
| Average total loans | $996,422,600 | 656 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 3,074 |
| Cost of funding earning assets | 0.5229% | 934 |
| Net interest margin | 2.8861% | 3,584 |
| Noninterest income to average assets | 1.3256% | 671 |
| Noninterest expense to average assets | 2.8392% | 1,251 |
| Loan and lease loss provision to assets | 0.0803% | 1,479 |
| Net operating income to assets | 0.8592% | 3,351 |
| Return on assets (ROA) | 0.8599% | 3,419 |
| Pretax return on assets | 1.1361% | 3,117 |
| Return on Equity (ROE) | 10.5998% | 2,520 |
| Retained earnings to average equity (ytd only) | 10.5998% | 1,151 |
| Net charge-offs to loans | -0.0053% | 3,452 |
| Credit loss provision to net charge-offs | -2,012.8205% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0242% | 1,596 |
| Assets per employee ($millions) | 6.0938% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 4,401 |
| Loan loss allowance to noncurrent loans | 448.0023% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,242 |
| Noncurrent loans to loans | 0.1708% | 3,263 |
| Net loans and leases to total assets | 75.9192% | 553 |
| Net loans and leases to deposits | 86.9928% | 770 |
| Net loans and leases to core deposits | 96.6155% | 718 |
| Total domestic deposits to total assets | 87.2708% | 2,232 |
| Equity capital to assets | 9.3423% | 3,514 |
| Core capital (leverage) ratio | 9.8108% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3175% | 2,256 |
| Memoranda: | ||
| Average total assets | $1,304,561,750 | 774 |
| Average earning assets | $1,233,542,250 | 762 |
| Average equity | $105,835,500 | 981 |
| Average total loans | $973,130,000 | 690 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 3,379 |
| Cost of funding earning assets | 0.5742% | 842 |
| Net interest margin | 2.7428% | 3,893 |
| Noninterest income to average assets | 1.5210% | 533 |
| Noninterest expense to average assets | 2.7639% | 1,433 |
| Loan and lease loss provision to assets | 0.0890% | 1,393 |
| Net operating income to assets | 0.9511% | 3,061 |
| Return on assets (ROA) | 0.9499% | 3,149 |
| Pretax return on assets | 1.2616% | 2,734 |
| Return on Equity (ROE) | 12.3564% | 1,929 |
| Retained earnings to average equity (ytd only) | 12.3564% | 841 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1504% | 1,990 |
| Assets per employee ($millions) | 6.0403% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,422 |
| Loan loss allowance to noncurrent loans | 337.6277% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 3,140 |
| Noncurrent loans to loans | 0.2274% | 3,150 |
| Net loans and leases to total assets | 73.5830% | 805 |
| Net loans and leases to deposits | 83.7196% | 1,085 |
| Net loans and leases to core deposits | 94.6368% | 874 |
| Total domestic deposits to total assets | 87.8922% | 1,890 |
| Equity capital to assets | 7.6739% | 4,686 |
| Core capital (leverage) ratio | 8.1667% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6023% | 2,830 |
| Memoranda: | ||
| Average total assets | $1,292,536,000 | 780 |
| Average earning assets | $1,222,836,000 | 766 |
| Average equity | $99,365,333 | 1,028 |
| Average total loans | $955,622,667 | 704 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 3,336 |
| Cost of funding earning assets | 0.5981% | 880 |
| Net interest margin | 2.7534% | 3,860 |
| Noninterest income to average assets | 1.8660% | 417 |
| Noninterest expense to average assets | 2.8068% | 1,355 |
| Loan and lease loss provision to assets | 0.0827% | 1,568 |
| Net operating income to assets | 1.1795% | 2,236 |
| Return on assets (ROA) | 1.1770% | 2,314 |
| Pretax return on assets | 1.5791% | 1,783 |
| Return on Equity (ROE) | 15.2961% | 1,153 |
| Retained earnings to average equity (ytd only) | 15.2961% | 596 |
| Net charge-offs to loans | -0.0026% | 3,185 |
| Credit loss provision to net charge-offs | -4,383.3333% | 3,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7665% | 2,638 |
| Assets per employee ($millions) | 6.1980% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 4,455 |
| Loan loss allowance to noncurrent loans | 341.4794% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,351 |
| Noncurrent loans to loans | 0.2257% | 3,293 |
| Net loans and leases to total assets | 71.1434% | 1,135 |
| Net loans and leases to deposits | 81.0975% | 1,415 |
| Net loans and leases to core deposits | 92.2542% | 1,101 |
| Total domestic deposits to total assets | 87.7258% | 1,988 |
| Equity capital to assets | 7.3184% | 4,767 |
| Core capital (leverage) ratio | 8.4694% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1077% | 2,625 |
| Memoranda: | ||
| Average total assets | $1,271,356,000 | 784 |
| Average earning assets | $1,203,169,500 | 767 |
| Average equity | $97,829,000 | 1,027 |
| Average total loans | $938,505,500 | 711 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 3,722 |
| Cost of funding earning assets | 0.8758% | 924 |
| Net interest margin | 2.7633% | 4,304 |
| Noninterest income to average assets | 1.8833% | 362 |
| Noninterest expense to average assets | 3.5040% | 686 |
| Loan and lease loss provision to assets | 0.0915% | 3,214 |
| Net operating income to assets | 0.6738% | 3,511 |
| Return on assets (ROA) | 0.7246% | 3,481 |
| Pretax return on assets | 0.9587% | 3,184 |
| Return on Equity (ROE) | 8.7439% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.7439% | 839 |
| Net charge-offs to loans | 0.0049% | 3,174 |
| Credit loss provision to net charge-offs | 2,413.6364% | 386 |
| Earnings coverage of net charge-offs (x) | 260.0455% | 387 |
| Efficiency ratio | 78.0409% | 1,028 |
| Assets per employee ($millions) | 5.8776% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,504 |
| Loan loss allowance to noncurrent loans | 327.2007% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,400 |
| Noncurrent loans to loans | 0.2307% | 3,373 |
| Net loans and leases to total assets | 75.5375% | 841 |
| Net loans and leases to deposits | 84.9276% | 1,367 |
| Net loans and leases to core deposits | 97.7750% | 1,018 |
| Total domestic deposits to total assets | 88.9434% | 1,010 |
| Equity capital to assets | 8.1014% | 4,664 |
| Core capital (leverage) ratio | 8.1779% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0303% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,160,494,200 | 769 |
| Average earning assets | $1,094,699,000 | 753 |
| Average equity | $96,169,400 | 991 |
| Average total loans | $899,282,000 | 713 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 3,927 |
| Cost of funding earning assets | 0.9246% | 981 |
| Net interest margin | 2.7155% | 4,448 |
| Noninterest income to average assets | 1.8082% | 367 |
| Noninterest expense to average assets | 3.4630% | 740 |
| Loan and lease loss provision to assets | 0.0736% | 3,402 |
| Net operating income to assets | 0.6279% | 3,700 |
| Return on assets (ROA) | 0.6414% | 3,749 |
| Pretax return on assets | 0.8482% | 3,521 |
| Return on Equity (ROE) | 7.6938% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.6938% | 1,423 |
| Net charge-offs to loans | 0.0048% | 2,976 |
| Credit loss provision to net charge-offs | 1,975.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 242.7813% | 425 |
| Efficiency ratio | 79.2871% | 917 |
| Assets per employee ($millions) | 5.9651% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 4,535 |
| Loan loss allowance to noncurrent loans | 465.6096% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 3,847 |
| Noncurrent loans to loans | 0.1549% | 3,766 |
| Net loans and leases to total assets | 74.7467% | 1,278 |
| Net loans and leases to deposits | 85.5252% | 1,761 |
| Net loans and leases to core deposits | 98.3167% | 1,289 |
| Total domestic deposits to total assets | 87.3974% | 1,492 |
| Equity capital to assets | 8.1592% | 4,654 |
| Core capital (leverage) ratio | 8.1451% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3744% | 2,468 |
| Memoranda: | ||
| Average total assets | $1,144,980,750 | 770 |
| Average earning assets | $1,079,196,250 | 751 |
| Average equity | $95,451,000 | 987 |
| Average total loans | $891,475,750 | 713 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 3,987 |
| Cost of funding earning assets | 0.9818% | 1,039 |
| Net interest margin | 2.7656% | 4,493 |
| Noninterest income to average assets | 1.5447% | 428 |
| Noninterest expense to average assets | 3.3423% | 933 |
| Loan and lease loss provision to assets | 0.0323% | 3,863 |
| Net operating income to assets | 0.5872% | 3,780 |
| Return on assets (ROA) | 0.5996% | 3,816 |
| Pretax return on assets | 0.7905% | 3,619 |
| Return on Equity (ROE) | 7.1380% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.1380% | 1,600 |
| Net charge-offs to loans | 0.0025% | 2,918 |
| Credit loss provision to net charge-offs | 1,645.4545% | 565 |
| Earnings coverage of net charge-offs (x) | 411.2727% | 245 |
| Efficiency ratio | 80.5486% | 850 |
| Assets per employee ($millions) | 5.7896% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 4,630 |
| Loan loss allowance to noncurrent loans | 413.1104% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 3,898 |
| Noncurrent loans to loans | 0.1624% | 3,800 |
| Net loans and leases to total assets | 77.0426% | 992 |
| Net loans and leases to deposits | 88.9016% | 1,459 |
| Net loans and leases to core deposits | 102.2082% | 1,105 |
| Total domestic deposits to total assets | 86.6605% | 1,751 |
| Equity capital to assets | 8.1937% | 4,638 |
| Core capital (leverage) ratio | 8.1471% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8160% | 2,683 |
| Memoranda: | ||
| Average total assets | $1,121,011,667 | 774 |
| Average earning assets | $1,055,845,333 | 755 |
| Average equity | $94,172,000 | 993 |
| Average total loans | $883,237,333 | 707 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,998 |
| Cost of funding earning assets | 1.0477% | 1,229 |
| Net interest margin | 2.8712% | 4,475 |
| Noninterest income to average assets | 0.8713% | 1,128 |
| Noninterest expense to average assets | 3.1130% | 1,604 |
| Loan and lease loss provision to assets | 0.0669% | 2,924 |
| Net operating income to assets | 0.3064% | 4,331 |
| Return on assets (ROA) | 0.3320% | 4,312 |
| Pretax return on assets | 0.4176% | 4,261 |
| Return on Equity (ROE) | 3.8992% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.8992% | 2,717 |
| Net charge-offs to loans | 0.0005% | 2,578 |
| Credit loss provision to net charge-offs | 18,200.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,230.0000% | 41 |
| Efficiency ratio | 87.3170% | 617 |
| Assets per employee ($millions) | 5.2135% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6991% | 4,606 |
| Loan loss allowance to noncurrent loans | 451.0204% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,012 |
| Noncurrent loans to loans | 0.1550% | 3,903 |
| Net loans and leases to total assets | 79.5257% | 754 |
| Net loans and leases to deposits | 93.5807% | 1,115 |
| Net loans and leases to core deposits | 108.7108% | 912 |
| Total domestic deposits to total assets | 84.9809% | 2,419 |
| Equity capital to assets | 8.5235% | 4,819 |
| Core capital (leverage) ratio | 8.6950% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5671% | 2,905 |
| Memoranda: | ||
| Average total assets | $1,088,084,500 | 767 |
| Average earning assets | $1,020,892,500 | 748 |
| Average equity | $92,634,000 | 1,005 |
| Average total loans | $864,572,000 | 699 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 4,288 |
| Cost of funding earning assets | 1.0464% | 1,528 |
| Net interest margin | 2.9418% | 4,598 |
| Noninterest income to average assets | 0.7471% | 1,640 |
| Noninterest expense to average assets | 2.9075% | 2,271 |
| Loan and lease loss provision to assets | -0.0272% | 4,973 |
| Net operating income to assets | 0.4903% | 4,426 |
| Return on assets (ROA) | 0.5208% | 4,409 |
| Pretax return on assets | 0.6660% | 4,289 |
| Return on Equity (ROE) | 6.0624% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.0624% | 1,833 |
| Net charge-offs to loans | 0.0010% | 3,693 |
| Credit loss provision to net charge-offs | -3,512.5000% | 4,647 |
| Earnings coverage of net charge-offs (x) | 775.1250% | 130 |
| Efficiency ratio | 82.8877% | 736 |
| Assets per employee ($millions) | 5.2240% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 4,552 |
| Loan loss allowance to noncurrent loans | 337.6616% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,814 |
| Noncurrent loans to loans | 0.2108% | 3,707 |
| Net loans and leases to total assets | 78.2498% | 1,042 |
| Net loans and leases to deposits | 91.2587% | 1,460 |
| Net loans and leases to core deposits | 105.8523% | 1,114 |
| Total domestic deposits to total assets | 85.7450% | 2,164 |
| Equity capital to assets | 8.5031% | 4,912 |
| Core capital (leverage) ratio | 8.6781% | 4,733 |
| Tier 1 risk-based capital ratio | 12.0374% | 4,344 |
| Total risk-based capital ratio | 12.8249% | 4,473 |
| Memoranda: | ||
| Average total assets | $1,033,068,000 | 759 |
| Average earning assets | $969,432,400 | 744 |
| Average equity | $88,743,800 | 992 |
| Average total loans | $807,710,600 | 710 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 4,393 |
| Cost of funding earning assets | 1.0294% | 1,629 |
| Net interest margin | 2.9558% | 4,686 |
| Noninterest income to average assets | 0.6600% | 1,950 |
| Noninterest expense to average assets | 2.7941% | 2,574 |
| Loan and lease loss provision to assets | -0.0237% | 5,084 |
| Net operating income to assets | 0.5099% | 4,492 |
| Return on assets (ROA) | 0.5221% | 4,517 |
| Pretax return on assets | 0.6750% | 4,398 |
| Return on Equity (ROE) | 6.0612% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.0612% | 2,343 |
| Net charge-offs to loans | 0.0025% | 3,342 |
| Credit loss provision to net charge-offs | -1,213.3333% | 4,449 |
| Earnings coverage of net charge-offs (x) | 325.4585% | 296 |
| Efficiency ratio | 81.4605% | 798 |
| Assets per employee ($millions) | 5.2486% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 4,534 |
| Loan loss allowance to noncurrent loans | 357.7126% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 3,657 |
| Noncurrent loans to loans | 0.2107% | 3,784 |
| Net loans and leases to total assets | 75.3672% | 1,590 |
| Net loans and leases to deposits | 87.3575% | 2,014 |
| Net loans and leases to core deposits | 101.2047% | 1,568 |
| Total domestic deposits to total assets | 86.2744% | 1,876 |
| Equity capital to assets | 8.5646% | 4,971 |
| Core capital (leverage) ratio | 8.6023% | 4,887 |
| Tier 1 risk-based capital ratio | 12.0937% | 4,369 |
| Total risk-based capital ratio | 12.9092% | 4,495 |
| Memoranda: | ||
| Average total assets | $1,023,607,000 | 769 |
| Average earning assets | $959,249,000 | 753 |
| Average equity | $88,164,500 | 996 |
| Average total loans | $798,640,000 | 719 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 4,305 |
| Cost of funding earning assets | 0.9851% | 1,767 |
| Net interest margin | 3.0516% | 4,607 |
| Noninterest income to average assets | 0.5677% | 2,300 |
| Noninterest expense to average assets | 2.7837% | 2,647 |
| Loan and lease loss provision to assets | 0.0238% | 3,332 |
| Net operating income to assets | 0.4849% | 4,561 |
| Return on assets (ROA) | 0.4952% | 4,568 |
| Pretax return on assets | 0.6303% | 4,489 |
| Return on Equity (ROE) | 5.7382% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.7382% | 2,397 |
| Net charge-offs to loans | 0.0005% | 3,164 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,618.0000% | 40 |
| Efficiency ratio | 81.2829% | 854 |
| Assets per employee ($millions) | 5.2680% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,584 |
| Loan loss allowance to noncurrent loans | 380.5935% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 3,647 |
| Noncurrent loans to loans | 0.1997% | 3,833 |
| Net loans and leases to total assets | 79.4748% | 971 |
| Net loans and leases to deposits | 94.7432% | 1,179 |
| Net loans and leases to core deposits | 110.4672% | 950 |
| Total domestic deposits to total assets | 83.8844% | 2,913 |
| Equity capital to assets | 8.5146% | 5,035 |
| Core capital (leverage) ratio | 8.4651% | 4,974 |
| Tier 1 risk-based capital ratio | 11.6363% | 4,618 |
| Total risk-based capital ratio | 12.4750% | 4,713 |
| Memoranda: | ||
| Average total assets | $1,009,652,670 | 774 |
| Average earning assets | $945,259,670 | 758 |
| Average equity | $87,135,000 | 1,000 |
| Average total loans | $795,148,670 | 722 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 4,326 |
| Cost of funding earning assets | 0.9164% | 1,934 |
| Net interest margin | 3.1048% | 4,593 |
| Noninterest income to average assets | 0.5362% | 2,361 |
| Noninterest expense to average assets | 2.9261% | 2,197 |
| Loan and lease loss provision to assets | 0.0089% | 3,323 |
| Net operating income to assets | 0.4070% | 4,714 |
| Return on assets (ROA) | 0.4070% | 4,729 |
| Pretax return on assets | 0.5075% | 4,666 |
| Return on Equity (ROE) | 4.6827% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.6827% | 3,043 |
| Net charge-offs to loans | -0.0010% | 3,808 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 645 |
| Assets per employee ($millions) | 5.1222% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 4,545 |
| Loan loss allowance to noncurrent loans | 555.8487% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 3,882 |
| Noncurrent loans to loans | 0.1427% | 4,102 |
| Net loans and leases to total assets | 77.9453% | 1,163 |
| Net loans and leases to deposits | 92.4568% | 1,348 |
| Net loans and leases to core deposits | 106.7269% | 1,123 |
| Total domestic deposits to total assets | 84.3046% | 2,945 |
| Equity capital to assets | 8.5643% | 4,949 |
| Core capital (leverage) ratio | 8.9759% | 4,667 |
| Tier 1 risk-based capital ratio | 11.7663% | 4,584 |
| Total risk-based capital ratio | 12.6167% | 4,711 |
| Memoranda: | ||
| Average total assets | $987,676,500 | 795 |
| Average earning assets | $924,489,500 | 780 |
| Average equity | $85,847,500 | 1,006 |
| Average total loans | $770,841,500 | 740 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 4,256 |
| Cost of funding earning assets | 0.6662% | 2,294 |
| Net interest margin | 3.2430% | 4,405 |
| Noninterest income to average assets | 0.5753% | 2,414 |
| Noninterest expense to average assets | 2.9599% | 2,165 |
| Loan and lease loss provision to assets | -0.0276% | 5,150 |
| Net operating income to assets | 0.5092% | 4,645 |
| Return on assets (ROA) | 0.5092% | 4,644 |
| Pretax return on assets | 0.6578% | 4,521 |
| Return on Equity (ROE) | 5.7172% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.7172% | 2,347 |
| Net charge-offs to loans | 0.0017% | 3,689 |
| Credit loss provision to net charge-offs | -2,116.6667% | 4,845 |
| Earnings coverage of net charge-offs (x) | 483.8333% | 217 |
| Efficiency ratio | 82.4449% | 754 |
| Assets per employee ($millions) | 4.9801% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 4,373 |
| Loan loss allowance to noncurrent loans | 453.2757% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,717 |
| Noncurrent loans to loans | 0.1865% | 3,907 |
| Net loans and leases to total assets | 76.8396% | 1,463 |
| Net loans and leases to deposits | 89.2778% | 1,896 |
| Net loans and leases to core deposits | 101.0205% | 1,641 |
| Total domestic deposits to total assets | 86.0679% | 2,195 |
| Equity capital to assets | 8.8265% | 4,713 |
| Core capital (leverage) ratio | 9.0584% | 4,596 |
| Tier 1 risk-based capital ratio | 12.3334% | 4,223 |
| Total risk-based capital ratio | 13.2317% | 4,329 |
| Memoranda: | ||
| Average total assets | $921,200,000 | 831 |
| Average earning assets | $856,387,600 | 821 |
| Average equity | $82,050,000 | 1,004 |
| Average total loans | $694,362,400 | 792 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 4,352 |
| Cost of funding earning assets | 0.6077% | 2,417 |
| Net interest margin | 3.2283% | 4,455 |
| Noninterest income to average assets | 0.5803% | 2,414 |
| Noninterest expense to average assets | 2.9341% | 2,219 |
| Loan and lease loss provision to assets | -0.0126% | 5,223 |
| Net operating income to assets | 0.5107% | 4,738 |
| Return on assets (ROA) | 0.5107% | 4,738 |
| Pretax return on assets | 0.6567% | 4,628 |
| Return on Equity (ROE) | 5.7198% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.7198% | 2,815 |
| Net charge-offs to loans | 0.0027% | 3,380 |
| Credit loss provision to net charge-offs | -614.2857% | 4,540 |
| Earnings coverage of net charge-offs (x) | 314.3648% | 297 |
| Efficiency ratio | 81.9989% | 775 |
| Assets per employee ($millions) | 5.0701% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,271 |
| Loan loss allowance to noncurrent loans | 451.8881% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,803 |
| Noncurrent loans to loans | 0.1988% | 3,998 |
| Net loans and leases to total assets | 74.7996% | 1,855 |
| Net loans and leases to deposits | 86.7144% | 2,295 |
| Net loans and leases to core deposits | 97.7262% | 1,961 |
| Total domestic deposits to total assets | 86.2598% | 2,076 |
| Equity capital to assets | 8.6304% | 4,849 |
| Core capital (leverage) ratio | 9.2539% | 4,454 |
| Tier 1 risk-based capital ratio | 12.1107% | 4,440 |
| Total risk-based capital ratio | 13.0288% | 4,506 |
| Memoranda: | ||
| Average total assets | $911,208,750 | 835 |
| Average earning assets | $846,164,750 | 831 |
| Average equity | $81,353,250 | 1,009 |
| Average total loans | $681,740,250 | 811 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,428 |
| Cost of funding earning assets | 0.5464% | 2,633 |
| Net interest margin | 3.2206% | 4,459 |
| Noninterest income to average assets | 0.5693% | 2,479 |
| Noninterest expense to average assets | 3.0020% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4327% | 4,895 |
| Return on assets (ROA) | 0.4327% | 4,902 |
| Pretax return on assets | 0.5513% | 4,814 |
| Return on Equity (ROE) | 4.7897% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.7897% | 3,189 |
| Net charge-offs to loans | 0.0033% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 224.8182% | 394 |
| Efficiency ratio | 84.4856% | 661 |
| Assets per employee ($millions) | 4.8870% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 4,146 |
| Loan loss allowance to noncurrent loans | 441.7397% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 3,784 |
| Noncurrent loans to loans | 0.2135% | 3,955 |
| Net loans and leases to total assets | 75.2824% | 1,752 |
| Net loans and leases to deposits | 87.1970% | 2,191 |
| Net loans and leases to core deposits | 97.9038% | 1,897 |
| Total domestic deposits to total assets | 86.3360% | 2,122 |
| Equity capital to assets | 8.9259% | 4,616 |
| Core capital (leverage) ratio | 9.4645% | 4,150 |
| Tier 1 risk-based capital ratio | 12.2755% | 4,328 |
| Total risk-based capital ratio | 13.2364% | 4,383 |
| Memoranda: | ||
| Average total assets | $897,216,670 | 849 |
| Average earning assets | $831,262,670 | 852 |
| Average equity | $81,049,670 | 1,015 |
| Average total loans | $669,173,330 | 822 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,333 |
| Cost of funding earning assets | 0.5072% | 2,740 |
| Net interest margin | 3.2513% | 4,310 |
| Noninterest income to average assets | 0.5368% | 2,601 |
| Noninterest expense to average assets | 2.9866% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4365% | 4,848 |
| Return on assets (ROA) | 0.4365% | 4,853 |
| Pretax return on assets | 0.5562% | 4,777 |
| Return on Equity (ROE) | 4.8026% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.8026% | 3,257 |
| Net charge-offs to loans | 0.0049% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 423 |
| Efficiency ratio | 84.3008% | 776 |
| Assets per employee ($millions) | 4.8533% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 4,006 |
| Loan loss allowance to noncurrent loans | 618.8857% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 4,066 |
| Noncurrent loans to loans | 0.1604% | 4,260 |
| Net loans and leases to total assets | 73.6044% | 1,926 |
| Net loans and leases to deposits | 85.4034% | 2,244 |
| Net loans and leases to core deposits | 95.8213% | 1,992 |
| Total domestic deposits to total assets | 86.1845% | 2,460 |
| Equity capital to assets | 9.0993% | 4,457 |
| Core capital (leverage) ratio | 9.3626% | 4,239 |
| Tier 1 risk-based capital ratio | 12.5907% | 4,182 |
| Total risk-based capital ratio | 13.5883% | 4,242 |
| Memoranda: | ||
| Average total assets | $888,893,000 | 865 |
| Average earning assets | $821,820,000 | 862 |
| Average equity | $80,789,000 | 1,023 |
| Average total loans | $656,495,000 | 835 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,148 |
| Cost of funding earning assets | 0.4448% | 2,826 |
| Net interest margin | 3.3247% | 4,084 |
| Noninterest income to average assets | 0.5982% | 2,459 |
| Noninterest expense to average assets | 2.9750% | 2,232 |
| Loan and lease loss provision to assets | 0.0544% | 3,142 |
| Net operating income to assets | 0.2758% | 4,970 |
| Return on assets (ROA) | 0.2758% | 4,990 |
| Pretax return on assets | 0.6317% | 4,672 |
| Return on Equity (ROE) | 2.9483% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.9483% | 3,539 |
| Net charge-offs to loans | 0.0458% | 2,865 |
| Credit loss provision to net charge-offs | 160.6164% | 1,664 |
| Earnings coverage of net charge-offs (x) | 20.2705% | 1,975 |
| Efficiency ratio | 81.2601% | 984 |
| Assets per employee ($millions) | 4.6793% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,906 |
| Loan loss allowance to noncurrent loans | 516.2864% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,000 |
| Noncurrent loans to loans | 0.1947% | 4,137 |
| Net loans and leases to total assets | 72.6792% | 2,140 |
| Net loans and leases to deposits | 84.5850% | 2,425 |
| Net loans and leases to core deposits | 94.8820% | 2,120 |
| Total domestic deposits to total assets | 85.9244% | 2,476 |
| Equity capital to assets | 9.1044% | 4,615 |
| Core capital (leverage) ratio | 9.4927% | 4,061 |
| Tier 1 risk-based capital ratio | 11.8075% | 4,656 |
| Total risk-based capital ratio | 12.7553% | 4,744 |
| Memoranda: | ||
| Average total assets | $862,714,800 | 864 |
| Average earning assets | $794,775,400 | 867 |
| Average equity | $80,690,800 | 1,001 |
| Average total loans | $637,219,000 | 824 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 4,068 |
| Cost of funding earning assets | 0.4351% | 2,854 |
| Net interest margin | 3.3452% | 4,031 |
| Noninterest income to average assets | 0.5739% | 2,613 |
| Noninterest expense to average assets | 2.9598% | 2,218 |
| Loan and lease loss provision to assets | 0.1019% | 2,075 |
| Net operating income to assets | 0.3967% | 5,004 |
| Return on assets (ROA) | 0.3967% | 5,033 |
| Pretax return on assets | 0.5909% | 4,864 |
| Return on Equity (ROE) | 4.2119% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.2119% | 3,393 |
| Net charge-offs to loans | 0.0533% | 2,379 |
| Credit loss provision to net charge-offs | 258.4980% | 1,105 |
| Earnings coverage of net charge-offs (x) | 17.5813% | 2,097 |
| Efficiency ratio | 81.0344% | 995 |
| Assets per employee ($millions) | 4.6379% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,753 |
| Loan loss allowance to noncurrent loans | 256.3279% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,749 |
| Noncurrent loans to loans | 0.4118% | 3,471 |
| Net loans and leases to total assets | 74.1209% | 1,892 |
| Net loans and leases to deposits | 86.2753% | 2,264 |
| Net loans and leases to core deposits | 96.1763% | 2,053 |
| Total domestic deposits to total assets | 85.9121% | 2,340 |
| Equity capital to assets | 9.5807% | 4,363 |
| Core capital (leverage) ratio | 9.5388% | 4,109 |
| Tier 1 risk-based capital ratio | 12.1489% | 4,520 |
| Total risk-based capital ratio | 13.1608% | 4,569 |
| Memoranda: | ||
| Average total assets | $856,129,000 | 878 |
| Average earning assets | $787,886,250 | 876 |
| Average equity | $80,627,750 | 1,007 |
| Average total loans | $633,343,250 | 833 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 4,153 |
| Cost of funding earning assets | 0.4298% | 2,804 |
| Net interest margin | 3.2934% | 4,131 |
| Noninterest income to average assets | 0.5492% | 2,720 |
| Noninterest expense to average assets | 2.9688% | 2,199 |
| Loan and lease loss provision to assets | 0.1122% | 1,827 |
| Net operating income to assets | 0.3453% | 5,110 |
| Return on assets (ROA) | 0.3453% | 5,129 |
| Pretax return on assets | 0.5047% | 4,997 |
| Return on Equity (ROE) | 3.6878% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.6878% | 3,503 |
| Net charge-offs to loans | 0.0819% | 1,794 |
| Credit loss provision to net charge-offs | 186.0465% | 1,335 |
| Earnings coverage of net charge-offs (x) | 10.2287% | 2,356 |
| Efficiency ratio | 82.7944% | 939 |
| Assets per employee ($millions) | 4.6048% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,964 |
| Loan loss allowance to noncurrent loans | 165.5475% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 3,074 |
| Noncurrent loans to loans | 0.6221% | 2,868 |
| Net loans and leases to total assets | 74.1305% | 1,838 |
| Net loans and leases to deposits | 85.5977% | 2,274 |
| Net loans and leases to core deposits | 94.7150% | 2,090 |
| Total domestic deposits to total assets | 86.6033% | 2,130 |
| Equity capital to assets | 9.4683% | 4,432 |
| Core capital (leverage) ratio | 9.3806% | 4,255 |
| Tier 1 risk-based capital ratio | 11.9887% | 4,638 |
| Total risk-based capital ratio | 12.9739% | 4,706 |
| Memoranda: | ||
| Average total assets | $855,500,670 | 884 |
| Average earning assets | $788,791,670 | 882 |
| Average equity | $80,102,330 | 1,014 |
| Average total loans | $630,206,670 | 837 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,276 |
| Cost of funding earning assets | 0.4328% | 2,690 |
| Net interest margin | 3.2191% | 4,280 |
| Noninterest income to average assets | 0.5352% | 2,737 |
| Noninterest expense to average assets | 2.9890% | 2,191 |
| Loan and lease loss provision to assets | 0.1497% | 1,243 |
| Net operating income to assets | 0.2713% | 5,261 |
| Return on assets (ROA) | 0.2713% | 5,278 |
| Pretax return on assets | 0.3719% | 5,207 |
| Return on Equity (ROE) | 2.9144% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.9144% | 3,957 |
| Net charge-offs to loans | 0.1332% | 1,129 |
| Credit loss provision to net charge-offs | 153.8462% | 1,197 |
| Earnings coverage of net charge-offs (x) | 5.3606% | 2,301 |
| Efficiency ratio | 85.1413% | 878 |
| Assets per employee ($millions) | 4.4160% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 4,144 |
| Loan loss allowance to noncurrent loans | 134.6600% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 3,002 |
| Noncurrent loans to loans | 0.7595% | 2,583 |
| Net loans and leases to total assets | 72.6306% | 1,981 |
| Net loans and leases to deposits | 83.7708% | 2,311 |
| Net loans and leases to core deposits | 92.5722% | 2,114 |
| Total domestic deposits to total assets | 86.7016% | 2,356 |
| Equity capital to assets | 9.2402% | 4,577 |
| Core capital (leverage) ratio | 9.5015% | 4,122 |
| Tier 1 risk-based capital ratio | 11.6709% | 4,931 |
| Total risk-based capital ratio | 12.6245% | 5,008 |
| Memoranda: | ||
| Average total assets | $855,004,000 | 886 |
| Average earning assets | $790,289,000 | 887 |
| Average equity | $79,606,000 | 1,019 |
| Average total loans | $624,545,000 | 840 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 4,367 |
| Cost of funding earning assets | 0.4550% | 2,496 |
| Net interest margin | 3.1957% | 4,466 |
| Noninterest income to average assets | 0.5983% | 2,673 |
| Noninterest expense to average assets | 3.0816% | 2,091 |
| Loan and lease loss provision to assets | 0.1686% | 1,450 |
| Net operating income to assets | 0.2005% | 5,416 |
| Return on assets (ROA) | 0.2126% | 5,457 |
| Pretax return on assets | 0.3067% | 5,356 |
| Return on Equity (ROE) | 2.2154% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.2154% | 4,274 |
| Net charge-offs to loans | 0.1956% | 1,416 |
| Credit loss provision to net charge-offs | 120.2575% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.2652% | 3,700 |
| Efficiency ratio | 87.0687% | 748 |
| Assets per employee ($millions) | 4.5647% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,079 |
| Loan loss allowance to noncurrent loans | 130.1264% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 2,943 |
| Noncurrent loans to loans | 0.7991% | 2,515 |
| Net loans and leases to total assets | 71.9463% | 2,172 |
| Net loans and leases to deposits | 83.1971% | 2,514 |
| Net loans and leases to core deposits | 92.2578% | 2,274 |
| Total domestic deposits to total assets | 86.4769% | 2,381 |
| Equity capital to assets | 9.3827% | 4,391 |
| Core capital (leverage) ratio | 9.3519% | 4,286 |
| Tier 1 risk-based capital ratio | 12.0017% | 4,728 |
| Total risk-based capital ratio | 12.9722% | 4,814 |
| Memoranda: | ||
| Average total assets | $831,160,000 | 873 |
| Average earning assets | $764,902,000 | 879 |
| Average equity | $79,760,000 | 991 |
| Average total loans | $595,540,400 | 839 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,355 |
| Cost of funding earning assets | 0.4528% | 2,529 |
| Net interest margin | 3.2134% | 4,456 |
| Noninterest income to average assets | 0.6024% | 2,649 |
| Noninterest expense to average assets | 3.0271% | 2,238 |
| Loan and lease loss provision to assets | 0.1475% | 1,591 |
| Net operating income to assets | 0.2685% | 5,351 |
| Return on assets (ROA) | 0.2849% | 5,398 |
| Pretax return on assets | 0.4057% | 5,299 |
| Return on Equity (ROE) | 2.9523% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.9523% | 4,139 |
| Net charge-offs to loans | 0.2189% | 1,067 |
| Credit loss provision to net charge-offs | 94.4330% | 2,467 |
| Earnings coverage of net charge-offs (x) | 3.3907% | 3,424 |
| Efficiency ratio | 85.1069% | 894 |
| Assets per employee ($millions) | 4.4945% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 4,302 |
| Loan loss allowance to noncurrent loans | 117.8268% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 3,002 |
| Noncurrent loans to loans | 0.8650% | 2,524 |
| Net loans and leases to total assets | 70.0411% | 2,482 |
| Net loans and leases to deposits | 81.6588% | 2,770 |
| Net loans and leases to core deposits | 91.1566% | 2,469 |
| Total domestic deposits to total assets | 85.7728% | 2,471 |
| Equity capital to assets | 9.5823% | 4,575 |
| Core capital (leverage) ratio | 9.4949% | 4,191 |
| Tier 1 risk-based capital ratio | 12.4394% | 4,514 |
| Total risk-based capital ratio | 13.3995% | 4,606 |
| Memoranda: | ||
| Average total assets | $827,831,000 | 878 |
| Average earning assets | $761,129,250 | 880 |
| Average equity | $79,891,250 | 994 |
| Average total loans | $590,937,250 | 844 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,299 |
| Cost of funding earning assets | 0.4495% | 2,572 |
| Net interest margin | 3.2511% | 4,378 |
| Noninterest income to average assets | 0.5685% | 2,802 |
| Noninterest expense to average assets | 3.0538% | 2,198 |
| Loan and lease loss provision to assets | 0.1168% | 1,942 |
| Net operating income to assets | 0.2745% | 5,385 |
| Return on assets (ROA) | 0.2961% | 5,425 |
| Pretax return on assets | 0.4119% | 5,326 |
| Return on Equity (ROE) | 3.0604% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.0604% | 3,966 |
| Net charge-offs to loans | 0.1876% | 1,227 |
| Credit loss provision to net charge-offs | 86.9565% | 2,286 |
| Earnings coverage of net charge-offs (x) | 3.7138% | 3,071 |
| Efficiency ratio | 85.9618% | 888 |
| Assets per employee ($millions) | 4.4528% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,366 |
| Loan loss allowance to noncurrent loans | 154.1212% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 3,612 |
| Noncurrent loans to loans | 0.6660% | 3,073 |
| Net loans and leases to total assets | 70.3770% | 2,423 |
| Net loans and leases to deposits | 82.1686% | 2,688 |
| Net loans and leases to core deposits | 91.8967% | 2,363 |
| Total domestic deposits to total assets | 85.6496% | 2,586 |
| Equity capital to assets | 9.6948% | 4,559 |
| Core capital (leverage) ratio | 9.5495% | 4,136 |
| Tier 1 risk-based capital ratio | 12.5007% | 4,522 |
| Total risk-based capital ratio | 13.4697% | 4,614 |
| Memoranda: | ||
| Average total assets | $822,117,000 | 886 |
| Average earning assets | $754,573,000 | 887 |
| Average equity | $79,532,330 | 999 |
| Average total loans | $588,609,000 | 842 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,226 |
| Cost of funding earning assets | 0.4458% | 2,627 |
| Net interest margin | 3.2803% | 4,301 |
| Noninterest income to average assets | 0.5289% | 2,942 |
| Noninterest expense to average assets | 3.0488% | 2,246 |
| Loan and lease loss provision to assets | 0.0318% | 3,240 |
| Net operating income to assets | 0.3206% | 5,240 |
| Return on assets (ROA) | 0.3570% | 5,207 |
| Pretax return on assets | 0.5122% | 5,052 |
| Return on Equity (ROE) | 3.6941% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.6941% | 3,644 |
| Net charge-offs to loans | 0.0450% | 2,119 |
| Credit loss provision to net charge-offs | 98.4848% | 1,689 |
| Earnings coverage of net charge-offs (x) | 15.2273% | 1,669 |
| Efficiency ratio | 86.1015% | 967 |
| Assets per employee ($millions) | 4.4228% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,349 |
| Loan loss allowance to noncurrent loans | 122.3527% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 3,226 |
| Noncurrent loans to loans | 0.8559% | 2,710 |
| Net loans and leases to total assets | 70.9878% | 2,196 |
| Net loans and leases to deposits | 83.2291% | 2,399 |
| Net loans and leases to core deposits | 92.1616% | 2,168 |
| Total domestic deposits to total assets | 85.2920% | 3,003 |
| Equity capital to assets | 9.7560% | 4,390 |
| Core capital (leverage) ratio | 9.6663% | 3,952 |
| Tier 1 risk-based capital ratio | 12.6115% | 4,514 |
| Total risk-based capital ratio | 13.6065% | 4,585 |
| Memoranda: | ||
| Average total assets | $816,843,000 | 892 |
| Average earning assets | $750,051,500 | 891 |
| Average equity | $78,936,000 | 1,004 |
| Average total loans | $586,872,500 | 841 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,127 |
| Cost of funding earning assets | 0.4710% | 2,431 |
| Net interest margin | 3.3016% | 4,292 |
| Noninterest income to average assets | 0.5693% | 2,903 |
| Noninterest expense to average assets | 3.1236% | 2,166 |
| Loan and lease loss provision to assets | 0.0172% | 4,066 |
| Net operating income to assets | 0.3053% | 5,344 |
| Return on assets (ROA) | 0.3365% | 5,339 |
| Pretax return on assets | 0.4889% | 5,135 |
| Return on Equity (ROE) | 3.5395% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.5395% | 3,545 |
| Net charge-offs to loans | 0.1755% | 1,635 |
| Credit loss provision to net charge-offs | 14.1104% | 3,794 |
| Earnings coverage of net charge-offs (x) | 3.7832% | 3,662 |
| Efficiency ratio | 86.6243% | 948 |
| Assets per employee ($millions) | 4.4079% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 4,335 |
| Loan loss allowance to noncurrent loans | 104.1152% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,887 |
| Noncurrent loans to loans | 1.0064% | 2,328 |
| Net loans and leases to total assets | 71.2003% | 2,171 |
| Net loans and leases to deposits | 83.0019% | 2,474 |
| Net loans and leases to core deposits | 91.6215% | 2,261 |
| Total domestic deposits to total assets | 85.7814% | 2,742 |
| Equity capital to assets | 9.5708% | 4,474 |
| Core capital (leverage) ratio | 9.4875% | 4,187 |
| Tier 1 risk-based capital ratio | 12.3862% | 4,709 |
| Total risk-based capital ratio | 13.3729% | 4,776 |
| Memoranda: | ||
| Average total assets | $802,786,800 | 866 |
| Average earning assets | $733,151,400 | 869 |
| Average equity | $76,310,400 | 996 |
| Average total loans | $557,406,800 | 841 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,140 |
| Cost of funding earning assets | 0.4756% | 2,448 |
| Net interest margin | 3.3098% | 4,300 |
| Noninterest income to average assets | 0.5771% | 2,868 |
| Noninterest expense to average assets | 3.1131% | 2,189 |
| Loan and lease loss provision to assets | 0.0008% | 4,226 |
| Net operating income to assets | 0.3258% | 5,382 |
| Return on assets (ROA) | 0.3670% | 5,351 |
| Pretax return on assets | 0.5419% | 5,122 |
| Return on Equity (ROE) | 3.8676% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.8676% | 3,713 |
| Net charge-offs to loans | 0.0727% | 2,522 |
| Credit loss provision to net charge-offs | 1.6667% | 3,512 |
| Earnings coverage of net charge-offs (x) | 9.6400% | 2,679 |
| Efficiency ratio | 85.8965% | 1,010 |
| Assets per employee ($millions) | 4.4023% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 3,727 |
| Loan loss allowance to noncurrent loans | 104.0410% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 2,914 |
| Noncurrent loans to loans | 1.1416% | 2,225 |
| Net loans and leases to total assets | 68.3822% | 2,623 |
| Net loans and leases to deposits | 79.8090% | 2,905 |
| Net loans and leases to core deposits | 88.4544% | 2,616 |
| Total domestic deposits to total assets | 85.6823% | 2,698 |
| Equity capital to assets | 9.4848% | 4,769 |
| Core capital (leverage) ratio | 9.2858% | 4,604 |
| Tier 1 risk-based capital ratio | 12.5697% | 4,703 |
| Total risk-based capital ratio | 13.6868% | 4,708 |
| Memoranda: | ||
| Average total assets | $799,618,000 | 877 |
| Average earning assets | $729,159,750 | 878 |
| Average equity | $75,876,500 | 1,010 |
| Average total loans | $550,068,750 | 857 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,038 |
| Cost of funding earning assets | 0.4768% | 2,461 |
| Net interest margin | 3.3303% | 4,170 |
| Noninterest income to average assets | 0.5675% | 2,928 |
| Noninterest expense to average assets | 3.1842% | 2,021 |
| Loan and lease loss provision to assets | 0.0018% | 4,049 |
| Net operating income to assets | 0.2805% | 5,493 |
| Return on assets (ROA) | 0.3166% | 5,484 |
| Pretax return on assets | 0.4689% | 5,306 |
| Return on Equity (ROE) | 3.3360% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.3360% | 3,922 |
| Net charge-offs to loans | 0.0319% | 3,023 |
| Credit loss provision to net charge-offs | 8.0460% | 3,114 |
| Earnings coverage of net charge-offs (x) | 19.0690% | 1,772 |
| Efficiency ratio | 87.3664% | 955 |
| Assets per employee ($millions) | 4.4378% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 3,435 |
| Loan loss allowance to noncurrent loans | 108.6177% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 3,035 |
| Noncurrent loans to loans | 1.1635% | 2,323 |
| Net loans and leases to total assets | 66.4499% | 2,874 |
| Net loans and leases to deposits | 77.3981% | 3,104 |
| Net loans and leases to core deposits | 85.9420% | 2,774 |
| Total domestic deposits to total assets | 85.8548% | 2,771 |
| Equity capital to assets | 9.3421% | 4,845 |
| Core capital (leverage) ratio | 9.2412% | 4,634 |
| Tier 1 risk-based capital ratio | 12.5173% | 4,791 |
| Total risk-based capital ratio | 13.6925% | 4,763 |
| Memoranda: | ||
| Average total assets | $794,685,000 | 887 |
| Average earning assets | $724,011,000 | 892 |
| Average equity | $75,420,000 | 1,022 |
| Average total loans | $545,555,000 | 862 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 3,842 |
| Cost of funding earning assets | 0.4812% | 2,442 |
| Net interest margin | 3.3647% | 3,969 |
| Noninterest income to average assets | 0.5262% | 3,111 |
| Noninterest expense to average assets | 3.2144% | 1,950 |
| Loan and lease loss provision to assets | -0.0005% | 6,063 |
| Net operating income to assets | 0.2497% | 5,567 |
| Return on assets (ROA) | 0.3216% | 5,445 |
| Pretax return on assets | 0.4804% | 5,226 |
| Return on Equity (ROE) | 3.3619% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.3619% | 3,965 |
| Net charge-offs to loans | 0.0294% | 2,594 |
| Credit loss provision to net charge-offs | -2.5000% | 4,281 |
| Earnings coverage of net charge-offs (x) | 18.3000% | 1,494 |
| Efficiency ratio | 88.5499% | 972 |
| Assets per employee ($millions) | 4.3022% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,547 |
| Loan loss allowance to noncurrent loans | 96.1656% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 2,828 |
| Noncurrent loans to loans | 1.3265% | 2,171 |
| Net loans and leases to total assets | 67.1910% | 2,579 |
| Net loans and leases to deposits | 78.4004% | 2,750 |
| Net loans and leases to core deposits | 87.0201% | 2,431 |
| Total domestic deposits to total assets | 85.7023% | 3,097 |
| Equity capital to assets | 9.4685% | 4,785 |
| Core capital (leverage) ratio | 9.4584% | 4,339 |
| Tier 1 risk-based capital ratio | 14.2858% | 3,833 |
| Total risk-based capital ratio | 15.5370% | 3,765 |
| Memoranda: | ||
| Average total assets | $785,968,500 | 894 |
| Average earning assets | $714,950,000 | 901 |
| Average equity | $75,195,500 | 1,025 |
| Average total loans | $545,053,000 | 863 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,577 |
| Cost of funding earning assets | 0.4872% | 2,809 |
| Net interest margin | 3.5478% | 3,609 |
| Noninterest income to average assets | 0.6015% | 2,852 |
| Noninterest expense to average assets | 3.1833% | 2,253 |
| Loan and lease loss provision to assets | 0.4316% | 393 |
| Net operating income to assets | 0.1490% | 5,879 |
| Return on assets (ROA) | 0.1509% | 5,920 |
| Pretax return on assets | 0.2120% | 5,855 |
| Return on Equity (ROE) | 1.5043% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.5043% | 5,084 |
| Net charge-offs to loans | 0.4076% | 1,052 |
| Credit loss provision to net charge-offs | 153.3178% | 1,581 |
| Earnings coverage of net charge-offs (x) | 2.2771% | 4,204 |
| Efficiency ratio | 82.2115% | 1,638 |
| Assets per employee ($millions) | 4.1715% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 3,535 |
| Loan loss allowance to noncurrent loans | 144.4399% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 3,704 |
| Noncurrent loans to loans | 0.8869% | 3,099 |
| Net loans and leases to total assets | 69.7788% | 2,267 |
| Net loans and leases to deposits | 81.7839% | 2,501 |
| Net loans and leases to core deposits | 90.6411% | 2,219 |
| Total domestic deposits to total assets | 85.3209% | 3,152 |
| Equity capital to assets | 9.6696% | 4,510 |
| Core capital (leverage) ratio | 9.5965% | 4,106 |
| Tier 1 risk-based capital ratio | 12.6409% | 4,951 |
| Total risk-based capital ratio | 13.8624% | 4,884 |
| Memoranda: | ||
| Average total assets | $760,277,600 | 891 |
| Average earning assets | $690,634,200 | 892 |
| Average equity | $76,248,800 | 962 |
| Average total loans | $525,068,600 | 844 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,582 |
| Cost of funding earning assets | 0.4899% | 2,862 |
| Net interest margin | 3.5540% | 3,612 |
| Noninterest income to average assets | 0.5733% | 3,047 |
| Noninterest expense to average assets | 3.1033% | 2,461 |
| Loan and lease loss provision to assets | 0.3628% | 481 |
| Net operating income to assets | 0.2312% | 5,779 |
| Return on assets (ROA) | 0.2336% | 5,829 |
| Pretax return on assets | 0.3394% | 5,696 |
| Return on Equity (ROE) | 2.3081% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.3081% | 4,901 |
| Net charge-offs to loans | 0.5387% | 709 |
| Credit loss provision to net charge-offs | 98.0961% | 2,272 |
| Earnings coverage of net charge-offs (x) | 1.8891% | 4,051 |
| Efficiency ratio | 80.5862% | 1,828 |
| Assets per employee ($millions) | 4.0710% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,793 |
| Loan loss allowance to noncurrent loans | 134.6707% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 3,504 |
| Noncurrent loans to loans | 0.8097% | 3,554 |
| Net loans and leases to total assets | 69.9362% | 2,205 |
| Net loans and leases to deposits | 81.3914% | 2,505 |
| Net loans and leases to core deposits | 89.7574% | 2,250 |
| Total domestic deposits to total assets | 85.9258% | 2,881 |
| Equity capital to assets | 10.2734% | 3,821 |
| Core capital (leverage) ratio | 9.7947% | 3,945 |
| Tier 1 risk-based capital ratio | 13.3290% | 4,658 |
| Total risk-based capital ratio | 14.3689% | 4,719 |
| Memoranda: | ||
| Average total assets | $757,413,000 | 905 |
| Average earning assets | $688,070,500 | 901 |
| Average equity | $76,655,000 | 963 |
| Average total loans | $519,961,750 | 858 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 3,648 |
| Cost of funding earning assets | 0.4932% | 2,901 |
| Net interest margin | 3.5283% | 3,663 |
| Noninterest income to average assets | 0.5609% | 3,047 |
| Noninterest expense to average assets | 3.0623% | 2,618 |
| Loan and lease loss provision to assets | 0.0588% | 3,101 |
| Net operating income to assets | 0.4206% | 5,133 |
| Return on assets (ROA) | 0.4241% | 5,203 |
| Pretax return on assets | 0.6486% | 4,791 |
| Return on Equity (ROE) | 4.2112% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.2112% | 3,489 |
| Net charge-offs to loans | 0.0543% | 3,185 |
| Credit loss provision to net charge-offs | 159.2857% | 1,404 |
| Earnings coverage of net charge-offs (x) | 19.0286% | 1,644 |
| Efficiency ratio | 80.2983% | 1,980 |
| Assets per employee ($millions) | 4.2431% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 4,780 |
| Loan loss allowance to noncurrent loans | 80.5816% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 3,053 |
| Noncurrent loans to loans | 1.3994% | 2,463 |
| Net loans and leases to total assets | 67.6988% | 2,463 |
| Net loans and leases to deposits | 78.6176% | 2,720 |
| Net loans and leases to core deposits | 86.8310% | 2,432 |
| Total domestic deposits to total assets | 86.1115% | 2,989 |
| Equity capital to assets | 10.1434% | 3,910 |
| Core capital (leverage) ratio | 9.8378% | 3,832 |
| Tier 1 risk-based capital ratio | 13.4833% | 4,594 |
| Total risk-based capital ratio | 14.5545% | 4,651 |
| Memoranda: | ||
| Average total assets | $758,838,670 | 900 |
| Average earning assets | $688,995,000 | 893 |
| Average equity | $76,415,670 | 960 |
| Average total loans | $515,775,000 | 856 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,523 |
| Cost of funding earning assets | 0.4993% | 2,916 |
| Net interest margin | 3.5405% | 3,519 |
| Noninterest income to average assets | 0.5595% | 2,989 |
| Noninterest expense to average assets | 3.0642% | 2,641 |
| Loan and lease loss provision to assets | 0.1002% | 2,252 |
| Net operating income to assets | 0.4009% | 5,111 |
| Return on assets (ROA) | 0.4009% | 5,180 |
| Pretax return on assets | 0.6030% | 4,819 |
| Return on Equity (ROE) | 3.9961% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.9961% | 3,716 |
| Net charge-offs to loans | 0.0650% | 2,504 |
| Credit loss provision to net charge-offs | 227.7108% | 954 |
| Earnings coverage of net charge-offs (x) | 15.9759% | 1,524 |
| Efficiency ratio | 80.2787% | 2,165 |
| Assets per employee ($millions) | 4.1714% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,843 |
| Loan loss allowance to noncurrent loans | 77.6647% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 3,186 |
| Noncurrent loans to loans | 1.4867% | 2,555 |
| Net loans and leases to total assets | 67.1263% | 2,373 |
| Net loans and leases to deposits | 77.9443% | 2,566 |
| Net loans and leases to core deposits | 86.1771% | 2,302 |
| Total domestic deposits to total assets | 86.1208% | 3,300 |
| Equity capital to assets | 10.0540% | 3,783 |
| Core capital (leverage) ratio | 9.8738% | 3,754 |
| Tier 1 risk-based capital ratio | 13.5004% | 4,675 |
| Total risk-based capital ratio | 14.5910% | 4,732 |
| Memoranda: | ||
| Average total assets | $754,260,000 | 906 |
| Average earning assets | $683,408,500 | 905 |
| Average equity | $75,673,000 | 969 |
| Average total loans | $510,735,500 | 862 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 3,364 |
| Cost of funding earning assets | 0.5940% | 2,721 |
| Net interest margin | 3.6012% | 3,464 |
| Noninterest income to average assets | 0.7017% | 2,535 |
| Noninterest expense to average assets | 3.1697% | 2,515 |
| Loan and lease loss provision to assets | 0.0089% | 4,944 |
| Net operating income to assets | 0.4957% | 4,751 |
| Return on assets (ROA) | 0.4958% | 4,888 |
| Pretax return on assets | 0.7730% | 4,253 |
| Return on Equity (ROE) | 5.0468% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.0468% | 2,563 |
| Net charge-offs to loans | 0.2019% | 2,857 |
| Credit loss provision to net charge-offs | 6.4579% | 4,631 |
| Earnings coverage of net charge-offs (x) | 5.6654% | 3,244 |
| Efficiency ratio | 79.1943% | 2,286 |
| Assets per employee ($millions) | 4.1171% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,881 |
| Loan loss allowance to noncurrent loans | 87.9513% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 3,445 |
| Noncurrent loans to loans | 1.3141% | 2,940 |
| Net loans and leases to total assets | 66.7336% | 2,567 |
| Net loans and leases to deposits | 77.9039% | 2,734 |
| Net loans and leases to core deposits | 85.8836% | 2,460 |
| Total domestic deposits to total assets | 85.6615% | 3,421 |
| Equity capital to assets | 10.0112% | 3,756 |
| Core capital (leverage) ratio | 9.8214% | 3,814 |
| Tier 1 risk-based capital ratio | 13.5371% | 4,627 |
| Total risk-based capital ratio | 14.6245% | 4,681 |
| Memoranda: | ||
| Average total assets | $740,629,600 | 900 |
| Average earning assets | $668,361,000 | 904 |
| Average equity | $72,758,400 | 978 |
| Average total loans | $506,168,000 | 843 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 3,362 |
| Cost of funding earning assets | 0.6124% | 2,715 |
| Net interest margin | 3.5956% | 3,463 |
| Noninterest income to average assets | 0.6995% | 2,613 |
| Noninterest expense to average assets | 3.1645% | 2,461 |
| Loan and lease loss provision to assets | 0.0005% | 4,937 |
| Net operating income to assets | 0.4989% | 4,795 |
| Return on assets (ROA) | 0.4989% | 4,960 |
| Pretax return on assets | 0.7773% | 4,395 |
| Return on Equity (ROE) | 5.1028% | 4,673 |
| Retained earnings to average equity (ytd only) | 5.1028% | 3,005 |
| Net charge-offs to loans | 0.1277% | 3,249 |
| Credit loss provision to net charge-offs | 0.6186% | 4,335 |
| Earnings coverage of net charge-offs (x) | 8.8825% | 2,561 |
| Efficiency ratio | 79.2443% | 2,227 |
| Assets per employee ($millions) | 4.0950% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 4,612 |
| Loan loss allowance to noncurrent loans | 76.8791% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 3,269 |
| Noncurrent loans to loans | 1.6330% | 2,724 |
| Net loans and leases to total assets | 66.3432% | 2,579 |
| Net loans and leases to deposits | 77.4770% | 2,745 |
| Net loans and leases to core deposits | 86.2599% | 2,382 |
| Total domestic deposits to total assets | 85.6294% | 3,439 |
| Equity capital to assets | 9.6306% | 4,380 |
| Core capital (leverage) ratio | 9.7455% | 4,040 |
| Tier 1 risk-based capital ratio | 13.3717% | 4,858 |
| Total risk-based capital ratio | 14.5480% | 4,842 |
| Memoranda: | ||
| Average total assets | $738,457,500 | 910 |
| Average earning assets | $666,023,500 | 908 |
| Average equity | $72,194,000 | 997 |
| Average total loans | $506,236,500 | 837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,244 |
| Cost of funding earning assets | 0.6333% | 2,649 |
| Net interest margin | 3.5959% | 3,377 |
| Noninterest income to average assets | 0.7779% | 2,288 |
| Noninterest expense to average assets | 3.1766% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5397% | 4,609 |
| Return on assets (ROA) | 0.5397% | 4,775 |
| Pretax return on assets | 0.8454% | 4,132 |
| Return on Equity (ROE) | 5.4929% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.4929% | 2,746 |
| Net charge-offs to loans | 0.1010% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.1328% | 2,001 |
| Efficiency ratio | 77.9725% | 2,460 |
| Assets per employee ($millions) | 4.1516% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,478 |
| Loan loss allowance to noncurrent loans | 99.3927% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 3,749 |
| Noncurrent loans to loans | 1.3143% | 3,361 |
| Net loans and leases to total assets | 66.1892% | 2,554 |
| Net loans and leases to deposits | 77.2290% | 2,689 |
| Net loans and leases to core deposits | 85.7036% | 2,362 |
| Total domestic deposits to total assets | 85.7051% | 3,524 |
| Equity capital to assets | 9.6007% | 4,450 |
| Core capital (leverage) ratio | 9.6973% | 3,936 |
| Tier 1 risk-based capital ratio | 13.3919% | 4,843 |
| Total risk-based capital ratio | 14.6269% | 4,809 |
| Memoranda: | ||
| Average total assets | $734,812,330 | 912 |
| Average earning assets | $662,926,000 | 913 |
| Average equity | $72,201,670 | 999 |
| Average total loans | $507,151,330 | 836 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,884 |
| Cost of funding earning assets | 0.6517% | 2,642 |
| Net interest margin | 3.6492% | 3,075 |
| Noninterest income to average assets | 0.8257% | 2,018 |
| Noninterest expense to average assets | 3.2447% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5605% | 4,410 |
| Return on assets (ROA) | 0.5605% | 4,566 |
| Pretax return on assets | 0.8735% | 3,857 |
| Return on Equity (ROE) | 5.6385% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.6385% | 2,870 |
| Net charge-offs to loans | 0.0831% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.0094% | 1,420 |
| Efficiency ratio | 77.7896% | 2,643 |
| Assets per employee ($millions) | 4.1153% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,598 |
| Loan loss allowance to noncurrent loans | 147.6411% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 4,512 |
| Noncurrent loans to loans | 0.8933% | 4,349 |
| Net loans and leases to total assets | 68.0200% | 2,003 |
| Net loans and leases to deposits | 80.1685% | 2,051 |
| Net loans and leases to core deposits | 89.2325% | 1,781 |
| Total domestic deposits to total assets | 84.8462% | 4,120 |
| Equity capital to assets | 9.8850% | 4,295 |
| Core capital (leverage) ratio | 9.8554% | 3,591 |
| Tier 1 risk-based capital ratio | 13.1817% | 5,075 |
| Total risk-based capital ratio | 14.4319% | 5,031 |
| Memoranda: | ||
| Average total assets | $728,574,500 | 925 |
| Average earning assets | $657,347,000 | 925 |
| Average equity | $72,430,000 | 1,006 |
| Average total loans | $510,141,500 | 833 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5425% | 3,231 |
| Cost of funding earning assets | 0.7989% | 2,678 |
| Net interest margin | 3.7436% | 3,470 |
| Noninterest income to average assets | 0.8581% | 2,000 |
| Noninterest expense to average assets | 3.2870% | 2,381 |
| Loan and lease loss provision to assets | 0.1516% | 3,719 |
| Net operating income to assets | 0.5229% | 4,588 |
| Return on assets (ROA) | 0.5597% | 4,688 |
| Pretax return on assets | 0.8290% | 4,183 |
| Return on Equity (ROE) | 5.7777% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.7777% | 2,208 |
| Net charge-offs to loans | 0.2137% | 3,678 |
| Credit loss provision to net charge-offs | 103.5985% | 2,891 |
| Earnings coverage of net charge-offs (x) | 6.3305% | 2,829 |
| Efficiency ratio | 77.0263% | 2,588 |
| Assets per employee ($millions) | 3.9158% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,506 |
| Loan loss allowance to noncurrent loans | 148.8296% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 4,549 |
| Noncurrent loans to loans | 0.8919% | 4,391 |
| Net loans and leases to total assets | 70.1894% | 1,811 |
| Net loans and leases to deposits | 82.0030% | 1,998 |
| Net loans and leases to core deposits | 90.2784% | 1,801 |
| Total domestic deposits to total assets | 85.5936% | 3,562 |
| Equity capital to assets | 9.9989% | 4,163 |
| Core capital (leverage) ratio | 9.6552% | 3,882 |
| Tier 1 risk-based capital ratio | 13.0118% | 5,100 |
| Total risk-based capital ratio | 14.2622% | 5,040 |
| Memoranda: | ||
| Average total assets | $721,474,000 | 918 |
| Average earning assets | $646,671,400 | 931 |
| Average equity | $69,889,600 | 1,006 |
| Average total loans | $494,120,600 | 834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 3,437 |
| Cost of funding earning assets | 0.8276% | 2,728 |
| Net interest margin | 3.7197% | 3,706 |
| Noninterest income to average assets | 0.8208% | 2,156 |
| Noninterest expense to average assets | 3.2326% | 2,476 |
| Loan and lease loss provision to assets | 0.0545% | 5,065 |
| Net operating income to assets | 0.5764% | 4,492 |
| Return on assets (ROA) | 0.6233% | 4,532 |
| Pretax return on assets | 0.9352% | 3,980 |
| Return on Equity (ROE) | 6.4866% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.4866% | 2,383 |
| Net charge-offs to loans | 0.2310% | 3,336 |
| Credit loss provision to net charge-offs | 34.7877% | 4,718 |
| Earnings coverage of net charge-offs (x) | 5.8703% | 2,907 |
| Efficiency ratio | 76.8553% | 2,542 |
| Assets per employee ($millions) | 3.9572% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,097 |
| Loan loss allowance to noncurrent loans | 104.2982% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 4,348 |
| Noncurrent loans to loans | 1.1882% | 4,076 |
| Net loans and leases to total assets | 69.1168% | 2,087 |
| Net loans and leases to deposits | 80.7167% | 2,287 |
| Net loans and leases to core deposits | 88.8191% | 2,119 |
| Total domestic deposits to total assets | 85.6289% | 3,451 |
| Equity capital to assets | 9.9568% | 4,556 |
| Core capital (leverage) ratio | 9.6102% | 4,104 |
| Tier 1 risk-based capital ratio | 13.2228% | 5,082 |
| Total risk-based capital ratio | 14.4282% | 5,077 |
| Memoranda: | ||
| Average total assets | $721,715,500 | 926 |
| Average earning assets | $646,380,750 | 936 |
| Average equity | $69,351,250 | 1,018 |
| Average total loans | $489,520,000 | 845 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 3,535 |
| Cost of funding earning assets | 0.8475% | 2,813 |
| Net interest margin | 3.7114% | 3,761 |
| Noninterest income to average assets | 0.7853% | 2,265 |
| Noninterest expense to average assets | 3.2150% | 2,539 |
| Loan and lease loss provision to assets | 0.0804% | 4,593 |
| Net operating income to assets | 0.5433% | 4,609 |
| Return on assets (ROA) | 0.6120% | 4,570 |
| Pretax return on assets | 0.9138% | 4,026 |
| Return on Equity (ROE) | 6.4458% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.4458% | 2,411 |
| Net charge-offs to loans | 0.1981% | 3,397 |
| Credit loss provision to net charge-offs | 60.4990% | 3,784 |
| Earnings coverage of net charge-offs (x) | 6.7069% | 2,591 |
| Efficiency ratio | 77.2834% | 2,552 |
| Assets per employee ($millions) | 4.0117% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,756 |
| Loan loss allowance to noncurrent loans | 152.4814% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 4,492 |
| Noncurrent loans to loans | 0.8705% | 4,755 |
| Net loans and leases to total assets | 67.6903% | 2,328 |
| Net loans and leases to deposits | 79.3963% | 2,462 |
| Net loans and leases to core deposits | 87.1713% | 2,294 |
| Total domestic deposits to total assets | 85.2563% | 3,734 |
| Equity capital to assets | 9.6678% | 4,798 |
| Core capital (leverage) ratio | 9.4314% | 4,252 |
| Tier 1 risk-based capital ratio | 13.1549% | 5,076 |
| Total risk-based capital ratio | 14.4059% | 5,048 |
| Memoranda: | ||
| Average total assets | $723,537,000 | 922 |
| Average earning assets | $647,522,000 | 934 |
| Average equity | $68,696,330 | 1,024 |
| Average total loans | $485,606,000 | 851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 3,652 |
| Cost of funding earning assets | 0.8666% | 2,943 |
| Net interest margin | 3.6990% | 3,832 |
| Noninterest income to average assets | 0.6953% | 2,682 |
| Noninterest expense to average assets | 3.1459% | 2,774 |
| Loan and lease loss provision to assets | 0.0011% | 5,247 |
| Net operating income to assets | 0.5771% | 4,456 |
| Return on assets (ROA) | 0.5771% | 4,681 |
| Pretax return on assets | 0.8605% | 4,190 |
| Return on Equity (ROE) | 6.1345% | 4,224 |
| Retained earnings to average equity (ytd only) | 6.1345% | 2,884 |
| Net charge-offs to loans | 0.2621% | 2,620 |
| Credit loss provision to net charge-offs | 0.6349% | 3,987 |
| Earnings coverage of net charge-offs (x) | 4.9524% | 2,472 |
| Efficiency ratio | 77.4669% | 2,574 |
| Assets per employee ($millions) | 3.9776% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 4,844 |
| Loan loss allowance to noncurrent loans | 141.4602% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 4,342 |
| Noncurrent loans to loans | 0.9472% | 4,783 |
| Net loans and leases to total assets | 65.2637% | 2,607 |
| Net loans and leases to deposits | 76.6713% | 2,708 |
| Net loans and leases to core deposits | 83.5930% | 2,594 |
| Total domestic deposits to total assets | 85.1214% | 3,975 |
| Equity capital to assets | 9.4381% | 4,887 |
| Core capital (leverage) ratio | 9.2890% | 4,382 |
| Tier 1 risk-based capital ratio | 13.2917% | 4,991 |
| Total risk-based capital ratio | 14.5429% | 4,978 |
| Memoranda: | ||
| Average total assets | $724,255,500 | 924 |
| Average earning assets | $648,491,000 | 933 |
| Average equity | $68,139,000 | 1,028 |
| Average total loans | $480,725,500 | 858 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 3,884 |
| Cost of funding earning assets | 1.0499% | 3,015 |
| Net interest margin | 3.7336% | 4,142 |
| Noninterest income to average assets | 0.6533% | 2,870 |
| Noninterest expense to average assets | 3.2296% | 2,770 |
| Loan and lease loss provision to assets | 0.1520% | 4,719 |
| Net operating income to assets | 0.4292% | 4,738 |
| Return on assets (ROA) | 0.4868% | 4,688 |
| Pretax return on assets | 0.6960% | 4,334 |
| Return on Equity (ROE) | 5.3132% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.3132% | 2,439 |
| Net charge-offs to loans | 0.2717% | 4,075 |
| Credit loss provision to net charge-offs | 84.4564% | 4,264 |
| Earnings coverage of net charge-offs (x) | 4.2542% | 3,201 |
| Efficiency ratio | 79.8020% | 2,326 |
| Assets per employee ($millions) | 3.8535% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 4,410 |
| Loan loss allowance to noncurrent loans | 84.1837% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 3,918 |
| Noncurrent loans to loans | 1.6744% | 3,653 |
| Net loans and leases to total assets | 65.6637% | 2,846 |
| Net loans and leases to deposits | 77.1577% | 2,975 |
| Net loans and leases to core deposits | 84.3690% | 2,839 |
| Total domestic deposits to total assets | 85.1033% | 3,785 |
| Equity capital to assets | 9.3779% | 5,048 |
| Core capital (leverage) ratio | 8.8748% | 4,987 |
| Tier 1 risk-based capital ratio | 13.2094% | 4,907 |
| Total risk-based capital ratio | 14.4610% | 4,883 |
| Memoranda: | ||
| Average total assets | $725,530,800 | 904 |
| Average earning assets | $649,460,200 | 915 |
| Average equity | $66,476,400 | 1,012 |
| Average total loans | $480,757,000 | 870 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 3,948 |
| Cost of funding earning assets | 1.0817% | 3,100 |
| Net interest margin | 3.7369% | 4,179 |
| Noninterest income to average assets | 0.6296% | 2,992 |
| Noninterest expense to average assets | 3.3002% | 2,490 |
| Loan and lease loss provision to assets | 0.1004% | 5,200 |
| Net operating income to assets | 0.4003% | 5,002 |
| Return on assets (ROA) | 0.4770% | 4,843 |
| Pretax return on assets | 0.6856% | 4,534 |
| Return on Equity (ROE) | 5.2364% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.2364% | 3,035 |
| Net charge-offs to loans | 0.2756% | 3,705 |
| Credit loss provision to net charge-offs | 55.0302% | 4,926 |
| Earnings coverage of net charge-offs (x) | 3.7093% | 3,327 |
| Efficiency ratio | 81.9570% | 1,982 |
| Assets per employee ($millions) | 3.9461% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,730 |
| Loan loss allowance to noncurrent loans | 92.8256% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 4,369 |
| Noncurrent loans to loans | 1.4664% | 4,097 |
| Net loans and leases to total assets | 63.3577% | 3,444 |
| Net loans and leases to deposits | 73.7892% | 3,685 |
| Net loans and leases to core deposits | 80.8674% | 3,505 |
| Total domestic deposits to total assets | 85.8631% | 3,293 |
| Equity capital to assets | 9.1367% | 5,601 |
| Core capital (leverage) ratio | 8.6623% | 5,471 |
| Tier 1 risk-based capital ratio | 13.3355% | 4,852 |
| Total risk-based capital ratio | 14.5869% | 4,826 |
| Memoranda: | ||
| Average total assets | $726,763,000 | 906 |
| Average earning assets | $650,939,500 | 919 |
| Average equity | $66,201,250 | 1,023 |
| Average total loans | $480,961,500 | 884 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 3,615 |
| Cost of funding earning assets | 1.1146% | 3,133 |
| Net interest margin | 3.7870% | 3,853 |
| Noninterest income to average assets | 0.6227% | 2,990 |
| Noninterest expense to average assets | 3.3478% | 2,407 |
| Loan and lease loss provision to assets | -0.0092% | 7,366 |
| Net operating income to assets | 0.4618% | 4,670 |
| Return on assets (ROA) | 0.4706% | 4,778 |
| Pretax return on assets | 0.6832% | 4,450 |
| Return on Equity (ROE) | 5.1713% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.1713% | 2,897 |
| Net charge-offs to loans | 0.1312% | 4,429 |
| Credit loss provision to net charge-offs | -10.4430% | 6,178 |
| Earnings coverage of net charge-offs (x) | 7.5380% | 2,202 |
| Efficiency ratio | 82.4735% | 2,030 |
| Assets per employee ($millions) | 3.9321% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,725 |
| Loan loss allowance to noncurrent loans | 101.7994% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1172% | 4,659 |
| Noncurrent loans to loans | 1.3470% | 4,406 |
| Net loans and leases to total assets | 64.4039% | 3,378 |
| Net loans and leases to deposits | 76.1237% | 3,442 |
| Net loans and leases to core deposits | 83.0166% | 3,360 |
| Total domestic deposits to total assets | 84.6042% | 4,071 |
| Equity capital to assets | 9.0585% | 5,496 |
| Core capital (leverage) ratio | 8.6763% | 5,262 |
| Tier 1 risk-based capital ratio | 13.0835% | 4,848 |
| Total risk-based capital ratio | 14.3351% | 4,833 |
| Memoranda: | ||
| Average total assets | $720,413,000 | 919 |
| Average earning assets | $644,200,670 | 938 |
| Average equity | $65,554,000 | 1,033 |
| Average total loans | $481,598,330 | 899 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 3,376 |
| Cost of funding earning assets | 1.1386% | 3,238 |
| Net interest margin | 3.7987% | 3,631 |
| Noninterest income to average assets | 0.5001% | 3,886 |
| Noninterest expense to average assets | 3.3738% | 2,351 |
| Loan and lease loss provision to assets | 0.0011% | 5,836 |
| Net operating income to assets | 0.3657% | 5,099 |
| Return on assets (ROA) | 0.3657% | 5,184 |
| Pretax return on assets | 0.5187% | 4,963 |
| Return on Equity (ROE) | 4.0093% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.0093% | 3,768 |
| Net charge-offs to loans | 0.1913% | 3,357 |
| Credit loss provision to net charge-offs | 0.8696% | 4,470 |
| Earnings coverage of net charge-offs (x) | 4.0174% | 2,577 |
| Efficiency ratio | 85.5657% | 1,766 |
| Assets per employee ($millions) | 3.7942% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,675 |
| Loan loss allowance to noncurrent loans | 104.3021% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 4,242 |
| Noncurrent loans to loans | 1.3405% | 4,471 |
| Net loans and leases to total assets | 66.6351% | 2,849 |
| Net loans and leases to deposits | 79.0146% | 2,891 |
| Net loans and leases to core deposits | 86.3941% | 2,820 |
| Total domestic deposits to total assets | 84.3327% | 4,352 |
| Equity capital to assets | 9.1163% | 5,014 |
| Core capital (leverage) ratio | 8.7343% | 5,028 |
| Tier 1 risk-based capital ratio | 12.8883% | 4,914 |
| Total risk-based capital ratio | 14.1404% | 4,894 |
| Memoranda: | ||
| Average total assets | $711,005,000 | 938 |
| Average earning assets | $635,164,000 | 954 |
| Average equity | $64,849,500 | 1,034 |
| Average total loans | $481,042,000 | 908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 4,003 |
| Cost of funding earning assets | 1.3837% | 3,368 |
| Net interest margin | 3.7369% | 4,196 |
| Noninterest income to average assets | 0.7435% | 2,572 |
| Noninterest expense to average assets | 3.2853% | 2,780 |
| Loan and lease loss provision to assets | -0.0344% | 7,585 |
| Net operating income to assets | 0.5549% | 3,871 |
| Return on assets (ROA) | 0.5479% | 4,051 |
| Pretax return on assets | 0.8244% | 3,552 |
| Return on Equity (ROE) | 6.1129% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.1129% | 1,759 |
| Net charge-offs to loans | 0.1515% | 5,443 |
| Credit loss provision to net charge-offs | -32.6174% | 6,994 |
| Earnings coverage of net charge-offs (x) | 7.5973% | 2,106 |
| Efficiency ratio | 79.3692% | 2,501 |
| Assets per employee ($millions) | 3.7497% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 4,275 |
| Loan loss allowance to noncurrent loans | 117.8420% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3460% | 4,323 |
| Noncurrent loans to loans | 1.2318% | 4,667 |
| Net loans and leases to total assets | 66.7505% | 3,288 |
| Net loans and leases to deposits | 79.2646% | 3,296 |
| Net loans and leases to core deposits | 86.6117% | 3,238 |
| Total domestic deposits to total assets | 84.2123% | 4,268 |
| Equity capital to assets | 9.1253% | 4,950 |
| Core capital (leverage) ratio | 8.6162% | 5,168 |
| Tier 1 risk-based capital ratio | 12.7658% | 4,803 |
| Total risk-based capital ratio | 14.0185% | 4,770 |
| Memoranda: | ||
| Average total assets | $706,905,200 | 944 |
| Average earning assets | $632,289,400 | 954 |
| Average equity | $63,358,200 | 1,054 |
| Average total loans | $491,623,200 | 908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 3,948 |
| Cost of funding earning assets | 1.4356% | 3,364 |
| Net interest margin | 3.7421% | 4,222 |
| Noninterest income to average assets | 0.6798% | 2,948 |
| Noninterest expense to average assets | 3.1750% | 3,011 |
| Loan and lease loss provision to assets | 0.0494% | 6,591 |
| Net operating income to assets | 0.5338% | 4,171 |
| Return on assets (ROA) | 0.5245% | 4,381 |
| Pretax return on assets | 0.7895% | 3,953 |
| Return on Equity (ROE) | 5.8785% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.8785% | 2,426 |
| Net charge-offs to loans | 0.1472% | 5,128 |
| Credit loss provision to net charge-offs | 47.9853% | 5,917 |
| Earnings coverage of net charge-offs (x) | 8.2784% | 2,184 |
| Efficiency ratio | 77.7726% | 2,653 |
| Assets per employee ($millions) | 3.7453% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,644 |
| Loan loss allowance to noncurrent loans | 91.8253% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 3,781 |
| Noncurrent loans to loans | 1.7135% | 4,073 |
| Net loans and leases to total assets | 67.4405% | 3,342 |
| Net loans and leases to deposits | 80.4274% | 3,371 |
| Net loans and leases to core deposits | 87.6315% | 3,424 |
| Total domestic deposits to total assets | 83.8525% | 4,209 |
| Equity capital to assets | 9.1567% | 5,375 |
| Core capital (leverage) ratio | 8.4592% | 5,583 |
| Tier 1 risk-based capital ratio | 12.5909% | 4,900 |
| Total risk-based capital ratio | 13.8455% | 4,876 |
| Memoranda: | ||
| Average total assets | $706,457,250 | 950 |
| Average earning assets | $632,100,750 | 959 |
| Average equity | $63,030,000 | 1,060 |
| Average total loans | $494,522,250 | 912 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 3,907 |
| Cost of funding earning assets | 1.4787% | 3,375 |
| Net interest margin | 3.7303% | 4,231 |
| Noninterest income to average assets | 0.6371% | 3,083 |
| Noninterest expense to average assets | 3.1172% | 3,231 |
| Loan and lease loss provision to assets | 0.0744% | 6,201 |
| Net operating income to assets | 0.5220% | 4,230 |
| Return on assets (ROA) | 0.5315% | 4,339 |
| Pretax return on assets | 0.7989% | 3,886 |
| Return on Equity (ROE) | 6.0109% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.0109% | 2,324 |
| Net charge-offs to loans | 0.0692% | 5,449 |
| Credit loss provision to net charge-offs | 152.3256% | 2,575 |
| Earnings coverage of net charge-offs (x) | 17.5988% | 1,333 |
| Efficiency ratio | 77.3321% | 2,842 |
| Assets per employee ($millions) | 3.7117% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 3,302 |
| Loan loss allowance to noncurrent loans | 93.5799% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.7648% | 3,810 |
| Noncurrent loans to loans | 1.7495% | 4,059 |
| Net loans and leases to total assets | 68.5457% | 3,238 |
| Net loans and leases to deposits | 82.1540% | 3,247 |
| Net loans and leases to core deposits | 89.3252% | 3,366 |
| Total domestic deposits to total assets | 83.4356% | 4,373 |
| Equity capital to assets | 9.0349% | 5,393 |
| Core capital (leverage) ratio | 8.3679% | 5,636 |
| Tier 1 risk-based capital ratio | 12.3485% | 4,995 |
| Total risk-based capital ratio | 13.6041% | 4,969 |
| Memoranda: | ||
| Average total assets | $704,739,670 | 955 |
| Average earning assets | $630,831,670 | 974 |
| Average equity | $62,320,000 | 1,069 |
| Average total loans | $496,834,670 | 918 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 3,802 |
| Cost of funding earning assets | 1.5452% | 3,302 |
| Net interest margin | 3.7005% | 4,239 |
| Noninterest income to average assets | 0.5769% | 3,440 |
| Noninterest expense to average assets | 3.0274% | 3,571 |
| Loan and lease loss provision to assets | 0.0573% | 6,084 |
| Net operating income to assets | 0.5321% | 4,221 |
| Return on assets (ROA) | 0.5400% | 4,322 |
| Pretax return on assets | 0.8136% | 3,810 |
| Return on Equity (ROE) | 6.1732% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.1732% | 2,536 |
| Net charge-offs to loans | 0.1473% | 4,046 |
| Credit loss provision to net charge-offs | 54.8913% | 4,402 |
| Earnings coverage of net charge-offs (x) | 8.2228% | 1,979 |
| Efficiency ratio | 76.8006% | 3,094 |
| Assets per employee ($millions) | 3.7049% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 3,475 |
| Loan loss allowance to noncurrent loans | 93.9611% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.6560% | 3,986 |
| Noncurrent loans to loans | 1.6966% | 4,198 |
| Net loans and leases to total assets | 69.4047% | 3,069 |
| Net loans and leases to deposits | 84.0445% | 2,932 |
| Net loans and leases to core deposits | 91.4676% | 3,173 |
| Total domestic deposits to total assets | 82.5809% | 4,812 |
| Equity capital to assets | 8.8888% | 5,422 |
| Core capital (leverage) ratio | 8.2907% | 5,760 |
| Tier 1 risk-based capital ratio | 12.1276% | 5,058 |
| Total risk-based capital ratio | 13.3829% | 5,022 |
| Memoranda: | ||
| Average total assets | $704,494,500 | 977 |
| Average earning assets | $630,070,500 | 993 |
| Average equity | $61,621,500 | 1,084 |
| Average total loans | $499,526,500 | 940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 4,241 |
| Cost of funding earning assets | 1.9720% | 3,093 |
| Net interest margin | 3.5099% | 4,911 |
| Noninterest income to average assets | 0.7031% | 2,947 |
| Noninterest expense to average assets | 3.3334% | 2,899 |
| Loan and lease loss provision to assets | 0.4329% | 4,226 |
| Net operating income to assets | 0.1005% | 5,212 |
| Return on assets (ROA) | 0.1096% | 5,231 |
| Pretax return on assets | 0.1083% | 5,202 |
| Return on Equity (ROE) | 1.2859% | 5,146 |
| Retained earnings to average equity (ytd only) | 1.2859% | 4,145 |
| Net charge-offs to loans | 0.4183% | 4,134 |
| Credit loss provision to net charge-offs | 144.0774% | 3,318 |
| Earnings coverage of net charge-offs (x) | 1.7711% | 4,396 |
| Efficiency ratio | 85.1352% | 2,206 |
| Assets per employee ($millions) | 3.9595% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,377 |
| Loan loss allowance to noncurrent loans | 64.8993% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.2452% | 3,077 |
| Noncurrent loans to loans | 2.4266% | 3,129 |
| Net loans and leases to total assets | 70.1553% | 3,216 |
| Net loans and leases to deposits | 86.1813% | 2,882 |
| Net loans and leases to core deposits | 109.7381% | 2,922 |
| Total domestic deposits to total assets | 81.4042% | 5,196 |
| Equity capital to assets | 8.6067% | 5,718 |
| Core capital (leverage) ratio | 8.0060% | 6,179 |
| Tier 1 risk-based capital ratio | 11.4919% | 5,399 |
| Total risk-based capital ratio | 12.7470% | 5,359 |
| Memoranda: | ||
| Average total assets | $705,172,400 | 972 |
| Average earning assets | $635,381,600 | 986 |
| Average equity | $60,112,000 | 1,103 |
| Average total loans | $506,543,200 | 940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 4,473 |
| Cost of funding earning assets | 2.0606% | 3,071 |
| Net interest margin | 3.4284% | 5,154 |
| Noninterest income to average assets | 0.7069% | 2,970 |
| Noninterest expense to average assets | 3.2791% | 2,996 |
| Loan and lease loss provision to assets | 0.3334% | 4,339 |
| Net operating income to assets | 0.1420% | 5,346 |
| Return on assets (ROA) | 0.1511% | 5,379 |
| Pretax return on assets | 0.2014% | 5,302 |
| Return on Equity (ROE) | 1.7765% | 5,240 |
| Retained earnings to average equity (ytd only) | 1.7765% | 4,321 |
| Net charge-offs to loans | 0.3704% | 3,803 |
| Credit loss provision to net charge-offs | 125.0710% | 4,020 |
| Earnings coverage of net charge-offs (x) | 1.9609% | 4,344 |
| Efficiency ratio | 85.1359% | 2,166 |
| Assets per employee ($millions) | 3.9132% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 3,690 |
| Loan loss allowance to noncurrent loans | 100.3128% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6147% | 3,928 |
| Noncurrent loans to loans | 1.4461% | 4,504 |
| Net loans and leases to total assets | 70.7373% | 3,328 |
| Net loans and leases to deposits | 87.2124% | 3,107 |
| Net loans and leases to core deposits | 111.2299% | 3,099 |
| Total domestic deposits to total assets | 81.1092% | 5,036 |
| Equity capital to assets | 8.6314% | 6,068 |
| Core capital (leverage) ratio | 7.9568% | 6,437 |
| Tier 1 risk-based capital ratio | 11.5502% | 5,385 |
| Total risk-based capital ratio | 12.8033% | 5,326 |
| Memoranda: | ||
| Average total assets | $704,276,000 | 980 |
| Average earning assets | $635,773,500 | 995 |
| Average equity | $59,889,750 | 1,124 |
| Average total loans | $506,882,250 | 960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 4,516 |
| Cost of funding earning assets | 2.1286% | 3,141 |
| Net interest margin | 3.3906% | 5,209 |
| Noninterest income to average assets | 0.6800% | 3,117 |
| Noninterest expense to average assets | 3.2384% | 3,200 |
| Loan and lease loss provision to assets | 0.2666% | 4,451 |
| Net operating income to assets | 0.1740% | 5,341 |
| Return on assets (ROA) | 0.1744% | 5,442 |
| Pretax return on assets | 0.2387% | 5,355 |
| Return on Equity (ROE) | 2.0614% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.0614% | 4,197 |
| Net charge-offs to loans | 0.2658% | 3,864 |
| Credit loss provision to net charge-offs | 139.2273% | 3,351 |
| Earnings coverage of net charge-offs (x) | 2.6360% | 3,754 |
| Efficiency ratio | 85.3831% | 2,308 |
| Assets per employee ($millions) | 3.7831% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,561 |
| Loan loss allowance to noncurrent loans | 117.6490% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3334% | 4,283 |
| Noncurrent loans to loans | 1.2166% | 4,779 |
| Net loans and leases to total assets | 70.9271% | 3,479 |
| Net loans and leases to deposits | 89.2248% | 2,950 |
| Net loans and leases to core deposits | 112.8367% | 3,037 |
| Total domestic deposits to total assets | 79.4926% | 5,654 |
| Equity capital to assets | 8.4612% | 6,103 |
| Core capital (leverage) ratio | 8.0093% | 6,312 |
| Tier 1 risk-based capital ratio | 11.4652% | 5,425 |
| Total risk-based capital ratio | 12.7182% | 5,340 |
| Memoranda: | ||
| Average total assets | $702,938,670 | 1,000 |
| Average earning assets | $635,057,330 | 1,016 |
| Average equity | $59,474,670 | 1,141 |
| Average total loans | $506,376,670 | 984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 4,839 |
| Cost of funding earning assets | 2.1759% | 3,287 |
| Net interest margin | 3.3373% | 5,378 |
| Noninterest income to average assets | 0.6320% | 3,339 |
| Noninterest expense to average assets | 3.2460% | 2,808 |
| Loan and lease loss provision to assets | 0.1233% | 5,385 |
| Net operating income to assets | 0.2035% | 5,648 |
| Return on assets (ROA) | 0.2044% | 5,811 |
| Pretax return on assets | 0.2837% | 5,719 |
| Return on Equity (ROE) | 2.4155% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.4155% | 4,533 |
| Net charge-offs to loans | 0.1869% | 3,516 |
| Credit loss provision to net charge-offs | 91.5254% | 3,973 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 3,304 |
| Efficiency ratio | 87.7130% | 1,915 |
| Assets per employee ($millions) | 3.8043% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 3,583 |
| Loan loss allowance to noncurrent loans | 144.5201% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0356% | 4,623 |
| Noncurrent loans to loans | 0.9585% | 5,078 |
| Net loans and leases to total assets | 70.4487% | 3,585 |
| Net loans and leases to deposits | 88.9426% | 3,117 |
| Net loans and leases to core deposits | 110.1581% | 3,412 |
| Total domestic deposits to total assets | 79.2069% | 5,641 |
| Equity capital to assets | 8.4315% | 6,183 |
| Core capital (leverage) ratio | 8.0781% | 6,333 |
| Tier 1 risk-based capital ratio | 11.6156% | 5,284 |
| Total risk-based capital ratio | 12.8681% | 5,193 |
| Memoranda: | ||
| Average total assets | $700,686,500 | 1,006 |
| Average earning assets | $634,051,000 | 1,011 |
| Average equity | $59,283,000 | 1,149 |
| Average total loans | $505,037,500 | 991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 5,545 |
| Cost of funding earning assets | 2.7002% | 3,154 |
| Net interest margin | 3.2996% | 6,036 |
| Noninterest income to average assets | 0.6546% | 3,434 |
| Noninterest expense to average assets | 2.9864% | 4,129 |
| Loan and lease loss provision to assets | 0.2801% | 4,152 |
| Net operating income to assets | 0.3370% | 5,411 |
| Return on assets (ROA) | 0.0451% | 6,103 |
| Pretax return on assets | 0.0483% | 6,052 |
| Return on Equity (ROE) | 0.5118% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.5118% | 4,928 |
| Net charge-offs to loans | 0.1532% | 4,663 |
| Credit loss provision to net charge-offs | 252.3240% | 1,841 |
| Earnings coverage of net charge-offs (x) | 5.7862% | 3,535 |
| Efficiency ratio | 81.0862% | 2,432 |
| Assets per employee ($millions) | 3.6708% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 3,246 |
| Loan loss allowance to noncurrent loans | 245.4387% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 4,871 |
| Noncurrent loans to loans | 0.5670% | 5,670 |
| Net loans and leases to total assets | 71.7174% | 3,649 |
| Net loans and leases to deposits | 91.5913% | 3,202 |
| Net loans and leases to core deposits | 113.2223% | 3,423 |
| Total domestic deposits to total assets | 78.3015% | 5,613 |
| Equity capital to assets | 8.4905% | 6,099 |
| Core capital (leverage) ratio | 8.1567% | 6,244 |
| Tier 1 risk-based capital ratio | 11.4165% | 5,320 |
| Total risk-based capital ratio | 12.6691% | 5,220 |
| Memoranda: | ||
| Average total assets | $678,400,800 | 979 |
| Average earning assets | $611,467,400 | 991 |
| Average equity | $59,786,200 | 1,126 |
| Average total loans | $491,354,400 | 970 |