Home > Fidelity Co-operative Bank > Performance and Condition Ratios
Fidelity Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 2,186 |
| Cost of funding earning assets | 1.9867% | 931 |
| Net interest margin | 2.9593% | 3,381 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2829% | 2,895 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.6653% | 3,281 |
| Return on assets (ROA) | 0.5379% | 3,582 |
| Pretax return on assets | 0.6789% | 3,480 |
| Return on Equity (ROE) | 6.3800% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.8799% | 2,642 |
| Net charge-offs to loans | -0.0017% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.8230% | 1,574 |
| Assets per employee ($millions) | 9.3799% | 865 |
| Cash dividends to net income (ytd only)* | 23.5689% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 4,099 |
| Loan loss allowance to noncurrent loans | 508.0697% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 2,843 |
| Noncurrent loans to loans | 0.1412% | 2,803 |
| Net loans and leases to total assets | 72.1200% | 1,568 |
| Net loans and leases to deposits | 83.7239% | 1,802 |
| Net loans and leases to core deposits | 105.1874% | 1,152 |
| Total domestic deposits to total assets | 86.1400% | 1,966 |
| Equity capital to assets | 8.4948% | 3,058 |
| Core capital (leverage) ratio | 8.9648% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2192% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,468,065,600 | 726 |
| Average earning assets | $1,384,131,600 | 711 |
| Average equity | $123,670,200 | 801 |
| Average total loans | $1,097,018,000 | 679 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 2,257 |
| Cost of funding earning assets | 1.8210% | 981 |
| Net interest margin | 2.9816% | 3,373 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.2268% | 3,006 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.7304% | 3,229 |
| Return on assets (ROA) | 0.5403% | 3,670 |
| Pretax return on assets | 0.6820% | 3,585 |
| Return on Equity (ROE) | 6.4300% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.8831% | 2,663 |
| Net charge-offs to loans | -0.0004% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.5556% | 1,727 |
| Assets per employee ($millions) | 9.1350% | 888 |
| Cash dividends to net income (ytd only)* | 8.4660% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 4,129 |
| Loan loss allowance to noncurrent loans | 409.3897% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 2,717 |
| Noncurrent loans to loans | 0.1724% | 2,675 |
| Net loans and leases to total assets | 72.8100% | 1,488 |
| Net loans and leases to deposits | 84.7257% | 1,672 |
| Net loans and leases to core deposits | 104.5119% | 1,094 |
| Total domestic deposits to total assets | 85.9300% | 2,219 |
| Equity capital to assets | 8.2644% | 2,874 |
| Core capital (leverage) ratio | 9.1421% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0736% | 2,245 |
| Memoranda: | ||
| Average total assets | $1,457,542,500 | 732 |
| Average earning assets | $1,373,994,250 | 715 |
| Average equity | $122,516,500 | 804 |
| Average total loans | $1,097,032,250 | 678 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 2,307 |
| Cost of funding earning assets | 1.6186% | 1,020 |
| Net interest margin | 3.0303% | 3,352 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.1729% | 3,158 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.7963% | 3,095 |
| Return on assets (ROA) | 0.5210% | 3,774 |
| Pretax return on assets | 0.6612% | 3,686 |
| Return on Equity (ROE) | 6.1600% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.1621% | 2,562 |
| Net charge-offs to loans | 0.0011% | 2,372 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | 1,200.8333% | 122 |
| Efficiency ratio | 67.8582% | 2,000 |
| Assets per employee ($millions) | 9.1251% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,140 |
| Loan loss allowance to noncurrent loans | 684.6747% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 2,982 |
| Noncurrent loans to loans | 0.1061% | 2,954 |
| Net loans and leases to total assets | 73.9100% | 1,305 |
| Net loans and leases to deposits | 85.8112% | 1,515 |
| Net loans and leases to core deposits | 103.6148% | 1,066 |
| Total domestic deposits to total assets | 86.1300% | 2,193 |
| Equity capital to assets | 8.4106% | 2,937 |
| Core capital (leverage) ratio | 9.3181% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0998% | 2,259 |
| Memoranda: | ||
| Average total assets | $1,437,920,667 | 726 |
| Average earning assets | $1,354,775,667 | 710 |
| Average equity | $121,581,333 | 800 |
| Average total loans | $1,092,074,667 | 665 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 2,407 |
| Cost of funding earning assets | 1.3707% | 1,093 |
| Net interest margin | 3.0916% | 3,371 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.8982% | 3,850 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.0630% | 2,343 |
| Return on assets (ROA) | 0.5014% | 3,860 |
| Pretax return on assets | 0.6317% | 3,791 |
| Return on Equity (ROE) | 5.9100% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.9132% | 2,786 |
| Net charge-offs to loans | -0.0004% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.2509% | 3,171 |
| Assets per employee ($millions) | 8.6918% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 4,205 |
| Loan loss allowance to noncurrent loans | 769.7406% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,072 |
| Noncurrent loans to loans | 0.0945% | 3,075 |
| Net loans and leases to total assets | 75.8200% | 990 |
| Net loans and leases to deposits | 89.0751% | 1,130 |
| Net loans and leases to core deposits | 105.5992% | 851 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 8.5111% | 2,880 |
| Core capital (leverage) ratio | 9.5872% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1346% | 2,339 |
| Memoranda: | ||
| Average total assets | $1,417,749,500 | 749 |
| Average earning assets | $1,335,119,000 | 736 |
| Average equity | $120,206,500 | 817 |
| Average total loans | $1,087,837,000 | 678 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 1,879 |
| Cost of funding earning assets | 0.4627% | 1,633 |
| Net interest margin | 3.4812% | 1,988 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.4077% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8632% | 3,105 |
| Return on assets (ROA) | 0.6918% | 3,589 |
| Pretax return on assets | 0.8958% | 3,367 |
| Return on Equity (ROE) | 7.7600% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.7648% | 1,926 |
| Net charge-offs to loans | -0.0005% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.7185% | 1,999 |
| Assets per employee ($millions) | 8.7042% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,151 |
| Loan loss allowance to noncurrent loans | 1,397.8777% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,231 |
| Noncurrent loans to loans | 0.0746% | 3,228 |
| Net loans and leases to total assets | 76.2900% | 981 |
| Net loans and leases to deposits | 87.2139% | 1,233 |
| Net loans and leases to core deposits | 102.7518% | 861 |
| Total domestic deposits to total assets | 87.4800% | 2,240 |
| Equity capital to assets | 8.4451% | 2,742 |
| Core capital (leverage) ratio | 9.3302% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2529% | 2,263 |
| Memoranda: | ||
| Average total assets | $1,311,852,600 | 783 |
| Average earning assets | $1,233,924,800 | 771 |
| Average equity | $116,874,200 | 834 |
| Average total loans | $1,000,505,000 | 679 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 1,921 |
| Cost of funding earning assets | 0.2721% | 2,467 |
| Net interest margin | 3.4700% | 1,748 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.4628% | 2,117 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8949% | 2,883 |
| Return on assets (ROA) | 0.6217% | 3,735 |
| Pretax return on assets | 0.7961% | 3,583 |
| Return on Equity (ROE) | 6.8800% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.8819% | 2,412 |
| Net charge-offs to loans | 0.0023% | 2,189 |
| Credit loss provision to net charge-offs | 1,117.6471% | 385 |
| Earnings coverage of net charge-offs (x) | 661.8824% | 247 |
| Efficiency ratio | 67.3208% | 2,115 |
| Assets per employee ($millions) | 9.1899% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,255 |
| Loan loss allowance to noncurrent loans | 1,713.5952% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,425 |
| Noncurrent loans to loans | 0.0613% | 3,439 |
| Net loans and leases to total assets | 77.0500% | 798 |
| Net loans and leases to deposits | 92.8838% | 707 |
| Net loans and leases to core deposits | 100.4235% | 792 |
| Total domestic deposits to total assets | 82.9500% | 3,698 |
| Equity capital to assets | 8.1711% | 2,780 |
| Core capital (leverage) ratio | 9.4559% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8732% | 2,524 |
| Memoranda: | ||
| Average total assets | $1,291,649,750 | 803 |
| Average earning assets | $1,214,426,750 | 786 |
| Average equity | $116,689,750 | 849 |
| Average total loans | $982,207,750 | 692 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 1,694 |
| Cost of funding earning assets | 0.1905% | 3,038 |
| Net interest margin | 3.4566% | 1,430 |
| Noninterest income to average assets | 0.3684% | 2,942 |
| Noninterest expense to average assets | 2.4329% | 2,137 |
| Loan and lease loss provision to assets | 0.0016% | 2,581 |
| Net operating income to assets | 0.9275% | 2,456 |
| Return on assets (ROA) | 0.6281% | 3,494 |
| Pretax return on assets | 0.8047% | 3,313 |
| Return on Equity (ROE) | 6.7170% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.7170% | 2,080 |
| Net charge-offs to loans | 0.0013% | 2,093 |
| Credit loss provision to net charge-offs | 166.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | 1,244.1667% | 98 |
| Efficiency ratio | 66.5921% | 2,430 |
| Assets per employee ($millions) | 8.8333% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,031 |
| Loan loss allowance to noncurrent loans | 1,120.8626% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,209 |
| Noncurrent loans to loans | 0.1009% | 3,253 |
| Net loans and leases to total assets | 75.2703% | 796 |
| Net loans and leases to deposits | 85.1344% | 1,047 |
| Net loans and leases to core deposits | 90.6365% | 1,086 |
| Total domestic deposits to total assets | 88.4135% | 2,421 |
| Equity capital to assets | 8.7142% | 2,604 |
| Core capital (leverage) ratio | 9.7252% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9018% | 2,101 |
| Memoranda: | ||
| Average total assets | $1,259,643,333 | 815 |
| Average earning assets | $1,184,273,000 | 809 |
| Average equity | $117,790,333 | 855 |
| Average total loans | $949,429,667 | 699 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 1,656 |
| Cost of funding earning assets | 0.1556% | 3,425 |
| Net interest margin | 3.3891% | 1,327 |
| Noninterest income to average assets | 0.3551% | 2,964 |
| Noninterest expense to average assets | 2.4496% | 2,019 |
| Loan and lease loss provision to assets | 0.0013% | 2,271 |
| Net operating income to assets | 0.8532% | 2,477 |
| Return on assets (ROA) | 0.6679% | 3,153 |
| Pretax return on assets | 0.8598% | 2,909 |
| Return on Equity (ROE) | 6.8971% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.8971% | 1,926 |
| Net charge-offs to loans | 0.0026% | 1,709 |
| Credit loss provision to net charge-offs | 66.6667% | 1,145 |
| Earnings coverage of net charge-offs (x) | 566.1667% | 178 |
| Efficiency ratio | 68.4225% | 2,453 |
| Assets per employee ($millions) | 8.3240% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 2,967 |
| Loan loss allowance to noncurrent loans | 991.9183% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,183 |
| Noncurrent loans to loans | 0.1189% | 3,230 |
| Net loans and leases to total assets | 74.4471% | 627 |
| Net loans and leases to deposits | 83.4402% | 925 |
| Net loans and leases to core deposits | 93.0228% | 776 |
| Total domestic deposits to total assets | 89.2221% | 1,964 |
| Equity capital to assets | 9.3072% | 2,434 |
| Core capital (leverage) ratio | 9.8105% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4639% | 2,007 |
| Memoranda: | ||
| Average total assets | $1,240,221,000 | 828 |
| Average earning assets | $1,167,380,000 | 822 |
| Average equity | $120,109,000 | 860 |
| Average total loans | $929,869,000 | 705 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 1,908 |
| Cost of funding earning assets | 0.2210% | 3,241 |
| Net interest margin | 3.5664% | 1,561 |
| Noninterest income to average assets | 0.4924% | 2,607 |
| Noninterest expense to average assets | 2.6077% | 1,850 |
| Loan and lease loss provision to assets | 0.0001% | 3,063 |
| Net operating income to assets | 0.9201% | 2,969 |
| Return on assets (ROA) | 1.0801% | 2,442 |
| Pretax return on assets | 1.4334% | 1,932 |
| Return on Equity (ROE) | 11.4003% | 2,020 |
| Retained earnings to average equity (ytd only) | 11.4003% | 632 |
| Net charge-offs to loans | -0.0023% | 3,383 |
| Credit loss provision to net charge-offs | -5.0000% | 3,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2746% | 2,085 |
| Assets per employee ($millions) | 8.2115% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,771 |
| Loan loss allowance to noncurrent loans | 817.1909% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 3,147 |
| Noncurrent loans to loans | 0.1498% | 3,187 |
| Net loans and leases to total assets | 73.6936% | 689 |
| Net loans and leases to deposits | 84.0944% | 903 |
| Net loans and leases to core deposits | 92.8405% | 834 |
| Total domestic deposits to total assets | 87.6320% | 2,230 |
| Equity capital to assets | 10.0721% | 2,590 |
| Core capital (leverage) ratio | 10.0408% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8308% | 1,915 |
| Memoranda: | ||
| Average total assets | $1,172,733,000 | 844 |
| Average earning assets | $1,100,316,000 | 834 |
| Average equity | $111,111,000 | 936 |
| Average total loans | $880,568,400 | 740 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 2,004 |
| Cost of funding earning assets | 0.2334% | 3,283 |
| Net interest margin | 3.5728% | 1,668 |
| Noninterest income to average assets | 0.4864% | 2,683 |
| Noninterest expense to average assets | 2.5628% | 1,950 |
| Loan and lease loss provision to assets | -0.0001% | 4,274 |
| Net operating income to assets | 0.9600% | 3,047 |
| Return on assets (ROA) | 1.1012% | 2,609 |
| Pretax return on assets | 1.4492% | 2,153 |
| Return on Equity (ROE) | 11.8193% | 2,106 |
| Retained earnings to average equity (ytd only) | 11.8193% | 872 |
| Net charge-offs to loans | -0.0024% | 3,260 |
| Credit loss provision to net charge-offs | 6.2500% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1929% | 2,075 |
| Assets per employee ($millions) | 7.5335% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,591 |
| Loan loss allowance to noncurrent loans | 551.9031% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,990 |
| Noncurrent loans to loans | 0.2318% | 3,011 |
| Net loans and leases to total assets | 72.3924% | 837 |
| Net loans and leases to deposits | 82.1224% | 1,111 |
| Net loans and leases to core deposits | 86.4385% | 1,265 |
| Total domestic deposits to total assets | 88.1519% | 1,745 |
| Equity capital to assets | 10.1565% | 2,754 |
| Core capital (leverage) ratio | 9.7863% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2100% | 1,897 |
| Memoranda: | ||
| Average total assets | $1,160,038,000 | 860 |
| Average earning assets | $1,086,651,750 | 855 |
| Average equity | $108,080,500 | 964 |
| Average total loans | $872,505,000 | 757 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 2,156 |
| Cost of funding earning assets | 0.2409% | 3,365 |
| Net interest margin | 3.5248% | 1,787 |
| Noninterest income to average assets | 0.5179% | 2,543 |
| Noninterest expense to average assets | 2.5601% | 1,964 |
| Loan and lease loss provision to assets | -0.0007% | 4,370 |
| Net operating income to assets | 0.9341% | 3,116 |
| Return on assets (ROA) | 1.1788% | 2,331 |
| Pretax return on assets | 1.5642% | 1,837 |
| Return on Equity (ROE) | 13.0585% | 1,697 |
| Retained earnings to average equity (ytd only) | 13.0585% | 709 |
| Net charge-offs to loans | -0.0034% | 3,322 |
| Credit loss provision to net charge-offs | 26.6667% | 1,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4508% | 2,090 |
| Assets per employee ($millions) | 7.6947% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,475 |
| Loan loss allowance to noncurrent loans | 454.6232% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,924 |
| Noncurrent loans to loans | 0.2844% | 2,917 |
| Net loans and leases to total assets | 70.9944% | 1,083 |
| Net loans and leases to deposits | 80.1283% | 1,409 |
| Net loans and leases to core deposits | 85.7420% | 1,436 |
| Total domestic deposits to total assets | 88.6010% | 1,507 |
| Equity capital to assets | 9.9206% | 2,922 |
| Core capital (leverage) ratio | 10.0913% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2013% | 1,903 |
| Memoranda: | ||
| Average total assets | $1,149,954,667 | 860 |
| Average earning assets | $1,075,284,667 | 852 |
| Average equity | $103,810,000 | 988 |
| Average total loans | $872,392,333 | 760 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 1,962 |
| Cost of funding earning assets | 0.2602% | 3,375 |
| Net interest margin | 3.5868% | 1,619 |
| Noninterest income to average assets | 0.5054% | 2,584 |
| Noninterest expense to average assets | 2.5855% | 1,916 |
| Loan and lease loss provision to assets | -0.0007% | 4,545 |
| Net operating income to assets | 0.9421% | 3,000 |
| Return on assets (ROA) | 1.2394% | 2,094 |
| Pretax return on assets | 1.6448% | 1,615 |
| Return on Equity (ROE) | 14.4947% | 1,329 |
| Retained earnings to average equity (ytd only) | 14.4947% | 693 |
| Net charge-offs to loans | -0.0036% | 3,279 |
| Credit loss provision to net charge-offs | 25.0000% | 1,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4144% | 2,170 |
| Assets per employee ($millions) | 7.3815% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,644 |
| Loan loss allowance to noncurrent loans | 394.7983% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 2,896 |
| Noncurrent loans to loans | 0.3176% | 2,958 |
| Net loans and leases to total assets | 77.2910% | 516 |
| Net loans and leases to deposits | 89.0954% | 757 |
| Net loans and leases to core deposits | 93.6685% | 1,005 |
| Total domestic deposits to total assets | 86.7508% | 2,420 |
| Equity capital to assets | 8.4965% | 4,121 |
| Core capital (leverage) ratio | 8.5998% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2596% | 2,876 |
| Memoranda: | ||
| Average total assets | $1,124,744,000 | 868 |
| Average earning assets | $1,049,841,500 | 863 |
| Average equity | $96,173,000 | 1,041 |
| Average total loans | $876,908,000 | 754 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,468 |
| Cost of funding earning assets | 0.5988% | 2,323 |
| Net interest margin | 3.4854% | 2,516 |
| Noninterest income to average assets | 0.9754% | 1,097 |
| Noninterest expense to average assets | 4.0948% | 347 |
| Loan and lease loss provision to assets | 0.3962% | 802 |
| Net operating income to assets | -0.0494% | 4,758 |
| Return on assets (ROA) | 0.0216% | 4,754 |
| Pretax return on assets | -0.1616% | 4,813 |
| Return on Equity (ROE) | 0.2532% | 4,743 |
| Retained earnings to average equity (ytd only) | -0.0117% | 4,516 |
| Net charge-offs to loans | 0.0093% | 2,988 |
| Credit loss provision to net charge-offs | 5,424.6914% | 197 |
| Earnings coverage of net charge-offs (x) | 19.8272% | 1,959 |
| Efficiency ratio | 95.9548% | 228 |
| Assets per employee ($millions) | 7.2255% | 1,432 |
| Cash dividends to net income (ytd only)* | 104.6025% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,458 |
| Loan loss allowance to noncurrent loans | 359.5614% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 2,903 |
| Noncurrent loans to loans | 0.3589% | 2,912 |
| Net loans and leases to total assets | 76.6491% | 723 |
| Net loans and leases to deposits | 88.9792% | 1,006 |
| Net loans and leases to core deposits | 93.1094% | 1,298 |
| Total domestic deposits to total assets | 86.1426% | 2,307 |
| Equity capital to assets | 8.6060% | 4,370 |
| Core capital (leverage) ratio | 8.3489% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2122% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,109,046,000 | 803 |
| Average earning assets | $1,038,659,200 | 794 |
| Average equity | $94,390,600 | 1,013 |
| Average total loans | $871,019,400 | 737 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 2,763 |
| Cost of funding earning assets | 0.6788% | 2,147 |
| Net interest margin | 3.3894% | 2,953 |
| Noninterest income to average assets | 1.1619% | 779 |
| Noninterest expense to average assets | 2.8520% | 1,819 |
| Loan and lease loss provision to assets | 0.5282% | 536 |
| Net operating income to assets | 0.8401% | 2,951 |
| Return on assets (ROA) | 0.8629% | 2,989 |
| Pretax return on assets | 0.9854% | 3,119 |
| Return on Equity (ROE) | 10.1676% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.8132% | 802 |
| Net charge-offs to loans | 0.0128% | 2,645 |
| Credit loss provision to net charge-offs | 5,226.1905% | 218 |
| Earnings coverage of net charge-offs (x) | 147.1905% | 611 |
| Efficiency ratio | 65.1038% | 2,579 |
| Assets per employee ($millions) | 7.4306% | 1,256 |
| Cash dividends to net income (ytd only)* | 3.4858% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,420 |
| Loan loss allowance to noncurrent loans | 424.0107% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,184 |
| Noncurrent loans to loans | 0.2935% | 3,224 |
| Net loans and leases to total assets | 78.2942% | 797 |
| Net loans and leases to deposits | 93.2132% | 992 |
| Net loans and leases to core deposits | 97.6923% | 1,332 |
| Total domestic deposits to total assets | 83.9948% | 2,826 |
| Equity capital to assets | 8.9748% | 4,141 |
| Core capital (leverage) ratio | 8.9034% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0875% | 2,577 |
| Memoranda: | ||
| Average total assets | $1,108,125,000 | 793 |
| Average earning assets | $1,038,890,750 | 775 |
| Average equity | $94,048,000 | 1,002 |
| Average total loans | $872,762,500 | 728 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 2,913 |
| Cost of funding earning assets | 0.7733% | 1,975 |
| Net interest margin | 3.3749% | 3,170 |
| Noninterest income to average assets | 1.3340% | 581 |
| Noninterest expense to average assets | 2.9326% | 1,756 |
| Loan and lease loss provision to assets | 0.9793% | 216 |
| Net operating income to assets | 0.6276% | 3,647 |
| Return on assets (ROA) | 0.6525% | 3,666 |
| Pretax return on assets | 0.6085% | 4,043 |
| Return on Equity (ROE) | 7.8421% | 2,812 |
| Retained earnings to average equity (ytd only) | 7.8421% | 1,356 |
| Net charge-offs to loans | 0.0049% | 2,795 |
| Credit loss provision to net charge-offs | 25,671.4286% | 42 |
| Earnings coverage of net charge-offs (x) | 409.7143% | 246 |
| Efficiency ratio | 64.6355% | 2,725 |
| Assets per employee ($millions) | 7.3422% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,911 |
| Loan loss allowance to noncurrent loans | 358.2918% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,108 |
| Noncurrent loans to loans | 0.3683% | 3,087 |
| Net loans and leases to total assets | 78.6883% | 755 |
| Net loans and leases to deposits | 94.3218% | 929 |
| Net loans and leases to core deposits | 100.3399% | 1,236 |
| Total domestic deposits to total assets | 83.4254% | 2,952 |
| Equity capital to assets | 8.3777% | 4,546 |
| Core capital (leverage) ratio | 8.3277% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4212% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,101,016,333 | 789 |
| Average earning assets | $1,031,381,667 | 765 |
| Average equity | $91,608,667 | 1,019 |
| Average total loans | $865,204,000 | 723 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 2,677 |
| Cost of funding earning assets | 0.9465% | 1,659 |
| Net interest margin | 3.4368% | 3,194 |
| Noninterest income to average assets | 1.5101% | 391 |
| Noninterest expense to average assets | 3.1724% | 1,480 |
| Loan and lease loss provision to assets | 1.4167% | 116 |
| Net operating income to assets | 0.4465% | 4,030 |
| Return on assets (ROA) | 0.4704% | 4,023 |
| Pretax return on assets | 0.1587% | 4,610 |
| Return on Equity (ROE) | 5.6745% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.6745% | 2,000 |
| Net charge-offs to loans | 0.0115% | 2,173 |
| Credit loss provision to net charge-offs | 15,812.5000% | 50 |
| Earnings coverage of net charge-offs (x) | 173.1667% | 382 |
| Efficiency ratio | 66.5718% | 2,876 |
| Assets per employee ($millions) | 7.2233% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,659 |
| Loan loss allowance to noncurrent loans | 351.7241% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 3,403 |
| Noncurrent loans to loans | 0.3419% | 3,270 |
| Net loans and leases to total assets | 74.4844% | 1,538 |
| Net loans and leases to deposits | 96.2002% | 888 |
| Net loans and leases to core deposits | 104.9257% | 1,123 |
| Total domestic deposits to total assets | 77.4264% | 4,304 |
| Equity capital to assets | 7.9089% | 4,989 |
| Core capital (leverage) ratio | 8.3395% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2851% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,071,487,500 | 774 |
| Average earning assets | $1,001,975,500 | 756 |
| Average equity | $88,819,000 | 1,044 |
| Average total loans | $835,281,000 | 719 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 3,042 |
| Cost of funding earning assets | 1.0887% | 1,369 |
| Net interest margin | 3.3810% | 3,793 |
| Noninterest income to average assets | 0.5385% | 2,539 |
| Noninterest expense to average assets | 2.8440% | 2,464 |
| Loan and lease loss provision to assets | 0.0670% | 2,680 |
| Net operating income to assets | 0.6026% | 4,152 |
| Return on assets (ROA) | 0.6221% | 4,159 |
| Pretax return on assets | 0.8036% | 3,963 |
| Return on Equity (ROE) | 7.4088% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.2565% | 1,273 |
| Net charge-offs to loans | 0.0079% | 3,396 |
| Credit loss provision to net charge-offs | 1,056.4516% | 325 |
| Earnings coverage of net charge-offs (x) | 133.3871% | 546 |
| Efficiency ratio | 76.5175% | 1,309 |
| Assets per employee ($millions) | 6.2762% | 1,435 |
| Cash dividends to net income (ytd only)* | 2.0549% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,095 |
| Loan loss allowance to noncurrent loans | 337.4630% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 3,621 |
| Noncurrent loans to loans | 0.2570% | 3,530 |
| Net loans and leases to total assets | 80.3371% | 741 |
| Net loans and leases to deposits | 91.3148% | 1,452 |
| Net loans and leases to core deposits | 101.4163% | 1,449 |
| Total domestic deposits to total assets | 87.9782% | 1,136 |
| Equity capital to assets | 8.7469% | 4,806 |
| Core capital (leverage) ratio | 8.5761% | 4,797 |
| Tier 1 risk-based capital ratio | 11.1255% | 4,811 |
| Total risk-based capital ratio | 12.0665% | 4,828 |
| Memoranda: | ||
| Average total assets | $977,773,400 | 802 |
| Average earning assets | $911,349,800 | 795 |
| Average equity | $82,105,200 | 1,071 |
| Average total loans | $787,313,200 | 723 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 3,177 |
| Cost of funding earning assets | 1.1006% | 1,358 |
| Net interest margin | 3.3591% | 3,964 |
| Noninterest income to average assets | 0.5341% | 2,541 |
| Noninterest expense to average assets | 2.8258% | 2,491 |
| Loan and lease loss provision to assets | 0.0696% | 2,484 |
| Net operating income to assets | 0.5948% | 4,309 |
| Return on assets (ROA) | 0.6079% | 4,330 |
| Pretax return on assets | 0.7835% | 4,162 |
| Return on Equity (ROE) | 7.3155% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.3155% | 1,705 |
| Net charge-offs to loans | 0.0078% | 3,099 |
| Credit loss provision to net charge-offs | 1,110.8696% | 321 |
| Earnings coverage of net charge-offs (x) | 133.5257% | 598 |
| Efficiency ratio | 76.5981% | 1,257 |
| Assets per employee ($millions) | 6.1472% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,277 |
| Loan loss allowance to noncurrent loans | 325.6796% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 3,735 |
| Noncurrent loans to loans | 0.2579% | 3,620 |
| Net loans and leases to total assets | 79.0611% | 983 |
| Net loans and leases to deposits | 92.6897% | 1,351 |
| Net loans and leases to core deposits | 105.1657% | 1,246 |
| Total domestic deposits to total assets | 85.2965% | 2,300 |
| Equity capital to assets | 8.3989% | 5,034 |
| Core capital (leverage) ratio | 8.3924% | 4,987 |
| Tier 1 risk-based capital ratio | 11.0460% | 4,891 |
| Total risk-based capital ratio | 11.9787% | 4,923 |
| Memoranda: | ||
| Average total assets | $979,015,250 | 799 |
| Average earning assets | $911,691,750 | 791 |
| Average equity | $81,359,000 | 1,072 |
| Average total loans | $787,051,250 | 727 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 3,113 |
| Cost of funding earning assets | 1.0930% | 1,325 |
| Net interest margin | 3.3757% | 3,969 |
| Noninterest income to average assets | 0.5775% | 2,256 |
| Noninterest expense to average assets | 2.8313% | 2,481 |
| Loan and lease loss provision to assets | 0.0692% | 2,438 |
| Net operating income to assets | 0.6385% | 4,200 |
| Return on assets (ROA) | 0.6453% | 4,229 |
| Pretax return on assets | 0.8240% | 4,036 |
| Return on Equity (ROE) | 7.7935% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.7935% | 1,472 |
| Net charge-offs to loans | 0.0140% | 2,636 |
| Credit loss provision to net charge-offs | 610.9091% | 517 |
| Earnings coverage of net charge-offs (x) | 78.1091% | 832 |
| Efficiency ratio | 75.6358% | 1,444 |
| Assets per employee ($millions) | 6.0812% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 4,358 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 3,628 |
| Noncurrent loans to loans | 0.2740% | 3,549 |
| Net loans and leases to total assets | 78.4679% | 1,133 |
| Net loans and leases to deposits | 91.2475% | 1,591 |
| Net loans and leases to core deposits | 103.7265% | 1,407 |
| Total domestic deposits to total assets | 85.9945% | 2,037 |
| Equity capital to assets | 8.2309% | 5,134 |
| Core capital (leverage) ratio | 8.3886% | 5,018 |
| Tier 1 risk-based capital ratio | 10.9610% | 4,927 |
| Total risk-based capital ratio | 11.8774% | 4,975 |
| Memoranda: | ||
| Average total assets | $971,354,000 | 800 |
| Average earning assets | $903,034,000 | 791 |
| Average equity | $80,426,330 | 1,076 |
| Average total loans | $783,101,670 | 729 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 3,033 |
| Cost of funding earning assets | 1.0650% | 1,310 |
| Net interest margin | 3.3898% | 3,915 |
| Noninterest income to average assets | 0.5523% | 2,275 |
| Noninterest expense to average assets | 2.8472% | 2,423 |
| Loan and lease loss provision to assets | 0.0909% | 1,896 |
| Net operating income to assets | 0.6071% | 4,217 |
| Return on assets (ROA) | 0.6071% | 4,256 |
| Pretax return on assets | 0.7675% | 4,124 |
| Return on Equity (ROE) | 7.3098% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.3098% | 1,925 |
| Net charge-offs to loans | 0.0021% | 2,689 |
| Credit loss provision to net charge-offs | 5,425.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 512.5000% | 147 |
| Efficiency ratio | 76.2712% | 1,472 |
| Assets per employee ($millions) | 5.8419% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 4,444 |
| Loan loss allowance to noncurrent loans | 215.4103% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 3,367 |
| Noncurrent loans to loans | 0.3828% | 3,217 |
| Net loans and leases to total assets | 79.6045% | 888 |
| Net loans and leases to deposits | 94.7970% | 1,078 |
| Net loans and leases to core deposits | 108.5258% | 1,020 |
| Total domestic deposits to total assets | 83.9737% | 3,052 |
| Equity capital to assets | 8.2357% | 5,114 |
| Core capital (leverage) ratio | 8.3090% | 5,101 |
| Tier 1 risk-based capital ratio | 10.8009% | 5,066 |
| Total risk-based capital ratio | 11.7183% | 5,096 |
| Memoranda: | ||
| Average total assets | $955,334,500 | 819 |
| Average earning assets | $888,669,000 | 809 |
| Average equity | $79,345,500 | 1,080 |
| Average total loans | $777,719,500 | 736 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,680 |
| Cost of funding earning assets | 0.7407% | 1,844 |
| Net interest margin | 3.6847% | 3,096 |
| Noninterest income to average assets | 0.4499% | 3,103 |
| Noninterest expense to average assets | 3.0827% | 1,847 |
| Loan and lease loss provision to assets | 0.1021% | 2,149 |
| Net operating income to assets | 0.5400% | 4,569 |
| Return on assets (ROA) | 0.5380% | 4,572 |
| Pretax return on assets | 0.6715% | 4,485 |
| Return on Equity (ROE) | 6.3360% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.3360% | 2,014 |
| Net charge-offs to loans | 0.0066% | 3,453 |
| Credit loss provision to net charge-offs | 1,904.2553% | 233 |
| Earnings coverage of net charge-offs (x) | 144.7447% | 578 |
| Efficiency ratio | 79.3910% | 1,008 |
| Assets per employee ($millions) | 5.5992% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 4,507 |
| Loan loss allowance to noncurrent loans | 196.1671% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,174 |
| Noncurrent loans to loans | 0.4121% | 3,054 |
| Net loans and leases to total assets | 81.9314% | 661 |
| Net loans and leases to deposits | 96.0505% | 1,068 |
| Net loans and leases to core deposits | 110.3155% | 978 |
| Total domestic deposits to total assets | 85.3003% | 2,515 |
| Equity capital to assets | 8.3784% | 5,002 |
| Core capital (leverage) ratio | 8.3145% | 5,109 |
| Tier 1 risk-based capital ratio | 10.8858% | 5,024 |
| Total risk-based capital ratio | 11.7938% | 5,061 |
| Memoranda: | ||
| Average total assets | $876,570,400 | 871 |
| Average earning assets | $810,943,200 | 870 |
| Average equity | $74,432,400 | 1,098 |
| Average total loans | $714,428,200 | 773 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 2,738 |
| Cost of funding earning assets | 0.6568% | 2,111 |
| Net interest margin | 3.7099% | 2,985 |
| Noninterest income to average assets | 0.4395% | 3,236 |
| Noninterest expense to average assets | 3.0884% | 1,787 |
| Loan and lease loss provision to assets | 0.1103% | 1,833 |
| Net operating income to assets | 0.5377% | 4,674 |
| Return on assets (ROA) | 0.5405% | 4,676 |
| Pretax return on assets | 0.6735% | 4,595 |
| Return on Equity (ROE) | 6.3421% | 4,159 |
| Retained earnings to average equity (ytd only) | 6.3421% | 2,459 |
| Net charge-offs to loans | 0.0086% | 3,111 |
| Credit loss provision to net charge-offs | 1,584.4444% | 258 |
| Earnings coverage of net charge-offs (x) | 112.1083% | 689 |
| Efficiency ratio | 79.3611% | 1,001 |
| Assets per employee ($millions) | 5.4329% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 4,622 |
| Loan loss allowance to noncurrent loans | 340.9219% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 3,944 |
| Noncurrent loans to loans | 0.2347% | 3,862 |
| Net loans and leases to total assets | 81.8801% | 739 |
| Net loans and leases to deposits | 98.6153% | 899 |
| Net loans and leases to core deposits | 112.9382% | 869 |
| Total domestic deposits to total assets | 83.0298% | 3,298 |
| Equity capital to assets | 8.3495% | 5,008 |
| Core capital (leverage) ratio | 8.5224% | 5,084 |
| Tier 1 risk-based capital ratio | 10.8607% | 5,094 |
| Total risk-based capital ratio | 11.7537% | 5,155 |
| Memoranda: | ||
| Average total assets | $861,944,500 | 882 |
| Average earning assets | $796,756,500 | 880 |
| Average equity | $73,454,500 | 1,110 |
| Average total loans | $699,944,500 | 788 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 3,022 |
| Cost of funding earning assets | 0.5966% | 2,249 |
| Net interest margin | 3.6316% | 3,193 |
| Noninterest income to average assets | 0.5128% | 2,786 |
| Noninterest expense to average assets | 3.1764% | 1,595 |
| Loan and lease loss provision to assets | 0.1269% | 1,561 |
| Net operating income to assets | 0.4943% | 4,762 |
| Return on assets (ROA) | 0.4926% | 4,767 |
| Pretax return on assets | 0.5761% | 4,773 |
| Return on Equity (ROE) | 5.7387% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.7387% | 2,703 |
| Net charge-offs to loans | -0.0059% | 4,151 |
| Credit loss provision to net charge-offs | -2,675.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4287% | 881 |
| Assets per employee ($millions) | 5.4499% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 4,643 |
| Loan loss allowance to noncurrent loans | 230.7871% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,539 |
| Noncurrent loans to loans | 0.3537% | 3,429 |
| Net loans and leases to total assets | 81.4124% | 786 |
| Net loans and leases to deposits | 94.0666% | 1,352 |
| Net loans and leases to core deposits | 106.1357% | 1,233 |
| Total domestic deposits to total assets | 86.5477% | 2,037 |
| Equity capital to assets | 8.5211% | 4,926 |
| Core capital (leverage) ratio | 8.5967% | 5,044 |
| Tier 1 risk-based capital ratio | 11.1197% | 4,989 |
| Total risk-based capital ratio | 12.0333% | 5,050 |
| Memoranda: | ||
| Average total assets | $843,206,000 | 901 |
| Average earning assets | $782,138,670 | 898 |
| Average equity | $72,385,330 | 1,123 |
| Average total loans | $680,641,000 | 807 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,619 |
| Cost of funding earning assets | 0.5633% | 2,291 |
| Net interest margin | 3.4335% | 3,763 |
| Noninterest income to average assets | 0.4002% | 3,471 |
| Noninterest expense to average assets | 2.9216% | 2,282 |
| Loan and lease loss provision to assets | 0.0736% | 2,296 |
| Net operating income to assets | 0.4877% | 4,724 |
| Return on assets (ROA) | 0.4845% | 4,738 |
| Pretax return on assets | 0.5917% | 4,704 |
| Return on Equity (ROE) | 5.6214% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.6214% | 2,887 |
| Net charge-offs to loans | 0.0573% | 1,532 |
| Credit loss provision to net charge-offs | 160.6383% | 1,186 |
| Earnings coverage of net charge-offs (x) | 14.6064% | 1,700 |
| Efficiency ratio | 81.1456% | 1,033 |
| Assets per employee ($millions) | 5.7911% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,703 |
| Loan loss allowance to noncurrent loans | 314.8961% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 4,022 |
| Noncurrent loans to loans | 0.2639% | 3,816 |
| Net loans and leases to total assets | 79.1364% | 1,059 |
| Net loans and leases to deposits | 93.2383% | 1,308 |
| Net loans and leases to core deposits | 105.3756% | 1,286 |
| Total domestic deposits to total assets | 84.8754% | 2,982 |
| Equity capital to assets | 8.6338% | 4,874 |
| Core capital (leverage) ratio | 8.8643% | 4,833 |
| Tier 1 risk-based capital ratio | 11.3794% | 4,936 |
| Total risk-based capital ratio | 12.2863% | 5,016 |
| Memoranda: | ||
| Average total assets | $820,643,500 | 935 |
| Average earning assets | $762,605,500 | 929 |
| Average equity | $70,730,000 | 1,159 |
| Average total loans | $656,379,500 | 836 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,310 |
| Cost of funding earning assets | 0.5547% | 1,912 |
| Net interest margin | 3.4749% | 3,608 |
| Noninterest income to average assets | 0.5073% | 2,953 |
| Noninterest expense to average assets | 2.9311% | 2,343 |
| Loan and lease loss provision to assets | 0.0651% | 2,906 |
| Net operating income to assets | 0.5398% | 4,261 |
| Return on assets (ROA) | 0.5039% | 4,400 |
| Pretax return on assets | 0.6910% | 4,530 |
| Return on Equity (ROE) | 5.8817% | 3,810 |
| Retained earnings to average equity (ytd only) | 5.8817% | 1,607 |
| Net charge-offs to loans | 0.0118% | 3,666 |
| Credit loss provision to net charge-offs | 694.6667% | 473 |
| Earnings coverage of net charge-offs (x) | 85.8800% | 726 |
| Efficiency ratio | 78.1811% | 1,320 |
| Assets per employee ($millions) | 5.8543% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 4,764 |
| Loan loss allowance to noncurrent loans | 257.4905% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,860 |
| Noncurrent loans to loans | 0.3192% | 3,630 |
| Net loans and leases to total assets | 79.4465% | 1,044 |
| Net loans and leases to deposits | 93.0158% | 1,388 |
| Net loans and leases to core deposits | 105.2434% | 1,323 |
| Total domestic deposits to total assets | 85.4119% | 2,687 |
| Equity capital to assets | 8.6263% | 5,010 |
| Core capital (leverage) ratio | 8.5361% | 5,105 |
| Tier 1 risk-based capital ratio | 11.3139% | 4,972 |
| Total risk-based capital ratio | 12.2195% | 5,044 |
| Memoranda: | ||
| Average total assets | $799,897,600 | 931 |
| Average earning assets | $743,293,400 | 926 |
| Average equity | $68,534,800 | 1,163 |
| Average total loans | $633,203,200 | 830 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,282 |
| Cost of funding earning assets | 0.5419% | 1,948 |
| Net interest margin | 3.4774% | 3,577 |
| Noninterest income to average assets | 0.5348% | 2,804 |
| Noninterest expense to average assets | 2.9485% | 2,254 |
| Loan and lease loss provision to assets | 0.0874% | 2,337 |
| Net operating income to assets | 0.5376% | 4,626 |
| Return on assets (ROA) | 0.5164% | 4,712 |
| Pretax return on assets | 0.7044% | 4,596 |
| Return on Equity (ROE) | 6.0377% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.0377% | 2,206 |
| Net charge-offs to loans | 0.0013% | 3,737 |
| Credit loss provision to net charge-offs | 8,683.3333% | 57 |
| Earnings coverage of net charge-offs (x) | 815.6463% | 129 |
| Efficiency ratio | 77.9390% | 1,337 |
| Assets per employee ($millions) | 5.6603% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,784 |
| Loan loss allowance to noncurrent loans | 307.7703% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 4,188 |
| Noncurrent loans to loans | 0.2741% | 3,968 |
| Net loans and leases to total assets | 79.3728% | 1,074 |
| Net loans and leases to deposits | 90.4590% | 1,748 |
| Net loans and leases to core deposits | 102.1563% | 1,534 |
| Total domestic deposits to total assets | 87.7444% | 1,500 |
| Equity capital to assets | 8.6238% | 5,210 |
| Core capital (leverage) ratio | 8.4702% | 5,263 |
| Tier 1 risk-based capital ratio | 11.3770% | 5,030 |
| Total risk-based capital ratio | 12.3120% | 5,102 |
| Memoranda: | ||
| Average total assets | $794,972,500 | 947 |
| Average earning assets | $739,417,000 | 937 |
| Average equity | $67,993,250 | 1,176 |
| Average total loans | $627,369,250 | 839 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 3,253 |
| Cost of funding earning assets | 0.5179% | 2,031 |
| Net interest margin | 3.4680% | 3,516 |
| Noninterest income to average assets | 0.5323% | 2,818 |
| Noninterest expense to average assets | 2.9657% | 2,211 |
| Loan and lease loss provision to assets | 0.0937% | 2,116 |
| Net operating income to assets | 0.5216% | 4,647 |
| Return on assets (ROA) | 0.4888% | 4,771 |
| Pretax return on assets | 0.6546% | 4,672 |
| Return on Equity (ROE) | 5.7308% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7308% | 2,273 |
| Net charge-offs to loans | 0.0219% | 2,785 |
| Credit loss provision to net charge-offs | 544.1176% | 615 |
| Earnings coverage of net charge-offs (x) | 46.0147% | 1,141 |
| Efficiency ratio | 78.6070% | 1,381 |
| Assets per employee ($millions) | 5.4697% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 4,904 |
| Loan loss allowance to noncurrent loans | 248.7216% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 4,075 |
| Noncurrent loans to loans | 0.3284% | 3,860 |
| Net loans and leases to total assets | 79.3352% | 1,046 |
| Net loans and leases to deposits | 91.8248% | 1,521 |
| Net loans and leases to core deposits | 103.0480% | 1,436 |
| Total domestic deposits to total assets | 86.3984% | 2,197 |
| Equity capital to assets | 8.5404% | 5,275 |
| Core capital (leverage) ratio | 8.3230% | 5,334 |
| Tier 1 risk-based capital ratio | 11.3126% | 5,078 |
| Total risk-based capital ratio | 12.2216% | 5,167 |
| Memoranda: | ||
| Average total assets | $790,156,330 | 951 |
| Average earning assets | $734,882,000 | 949 |
| Average equity | $67,390,000 | 1,189 |
| Average total loans | $620,517,000 | 850 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,208 |
| Cost of funding earning assets | 0.4856% | 2,203 |
| Net interest margin | 3.4638% | 3,410 |
| Noninterest income to average assets | 0.5904% | 2,458 |
| Noninterest expense to average assets | 2.9984% | 2,167 |
| Loan and lease loss provision to assets | 0.0705% | 2,397 |
| Net operating income to assets | 0.5585% | 4,336 |
| Return on assets (ROA) | 0.4913% | 4,655 |
| Pretax return on assets | 0.6496% | 4,597 |
| Return on Equity (ROE) | 5.7648% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.7648% | 2,463 |
| Net charge-offs to loans | 0.0401% | 2,017 |
| Credit loss provision to net charge-offs | 226.2295% | 941 |
| Earnings coverage of net charge-offs (x) | 25.9508% | 1,323 |
| Efficiency ratio | 78.4277% | 1,574 |
| Assets per employee ($millions) | 5.2810% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,968 |
| Loan loss allowance to noncurrent loans | 192.0550% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,417 |
| Noncurrent loans to loans | 0.4348% | 3,538 |
| Net loans and leases to total assets | 75.8839% | 1,432 |
| Net loans and leases to deposits | 91.6351% | 1,365 |
| Net loans and leases to core deposits | 102.3983% | 1,339 |
| Total domestic deposits to total assets | 82.8111% | 3,914 |
| Equity capital to assets | 8.5533% | 5,199 |
| Core capital (leverage) ratio | 8.4147% | 5,285 |
| Tier 1 risk-based capital ratio | 11.8050% | 4,847 |
| Total risk-based capital ratio | 12.7266% | 4,944 |
| Memoranda: | ||
| Average total assets | $783,211,000 | 962 |
| Average earning assets | $727,299,500 | 952 |
| Average equity | $66,750,500 | 1,195 |
| Average total loans | $609,203,000 | 864 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,195 |
| Cost of funding earning assets | 0.4707% | 2,343 |
| Net interest margin | 3.5310% | 3,313 |
| Noninterest income to average assets | 0.6688% | 2,322 |
| Noninterest expense to average assets | 3.3550% | 1,454 |
| Loan and lease loss provision to assets | 0.1143% | 2,156 |
| Net operating income to assets | 0.4181% | 4,882 |
| Return on assets (ROA) | 0.4836% | 4,770 |
| Pretax return on assets | 0.5471% | 4,928 |
| Return on Equity (ROE) | 5.6818% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.6818% | 1,895 |
| Net charge-offs to loans | 0.0304% | 3,412 |
| Credit loss provision to net charge-offs | 480.7018% | 684 |
| Earnings coverage of net charge-offs (x) | 24.6842% | 1,624 |
| Efficiency ratio | 84.8081% | 925 |
| Assets per employee ($millions) | 5.4514% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 5,098 |
| Loan loss allowance to noncurrent loans | 124.4908% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,225 |
| Noncurrent loans to loans | 0.6453% | 2,919 |
| Net loans and leases to total assets | 78.4193% | 1,142 |
| Net loans and leases to deposits | 92.7742% | 1,334 |
| Net loans and leases to core deposits | 103.4120% | 1,329 |
| Total domestic deposits to total assets | 84.5270% | 3,228 |
| Equity capital to assets | 8.4918% | 5,277 |
| Core capital (leverage) ratio | 8.3192% | 5,425 |
| Tier 1 risk-based capital ratio | 11.6322% | 4,966 |
| Total risk-based capital ratio | 12.5341% | 5,074 |
| Memoranda: | ||
| Average total assets | $719,021,800 | 997 |
| Average earning assets | $666,518,400 | 995 |
| Average equity | $61,195,600 | 1,274 |
| Average total loans | $562,724,800 | 881 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,078 |
| Cost of funding earning assets | 0.4719% | 2,347 |
| Net interest margin | 3.5670% | 3,203 |
| Noninterest income to average assets | 0.7510% | 1,959 |
| Noninterest expense to average assets | 3.5596% | 1,056 |
| Loan and lease loss provision to assets | 0.0974% | 2,280 |
| Net operating income to assets | 0.3850% | 5,068 |
| Return on assets (ROA) | 0.4823% | 4,850 |
| Pretax return on assets | 0.5001% | 5,126 |
| Return on Equity (ROE) | 5.6628% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.6628% | 2,384 |
| Net charge-offs to loans | 0.0466% | 2,712 |
| Credit loss provision to net charge-offs | 267.7083% | 1,144 |
| Earnings coverage of net charge-offs (x) | 13.6408% | 2,298 |
| Efficiency ratio | 87.4924% | 707 |
| Assets per employee ($millions) | 5.4012% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 5,305 |
| Loan loss allowance to noncurrent loans | 150.8978% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 3,812 |
| Noncurrent loans to loans | 0.5027% | 3,495 |
| Net loans and leases to total assets | 77.7511% | 1,240 |
| Net loans and leases to deposits | 93.7306% | 1,286 |
| Net loans and leases to core deposits | 103.8553% | 1,353 |
| Total domestic deposits to total assets | 82.9517% | 3,621 |
| Equity capital to assets | 8.5924% | 5,478 |
| Core capital (leverage) ratio | 8.2975% | 5,500 |
| Tier 1 risk-based capital ratio | 11.4088% | 5,151 |
| Total risk-based capital ratio | 12.2487% | 5,284 |
| Memoranda: | ||
| Average total assets | $703,888,250 | 1,021 |
| Average earning assets | $652,115,750 | 1,012 |
| Average equity | $59,945,000 | 1,297 |
| Average total loans | $549,337,750 | 897 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,036 |
| Cost of funding earning assets | 0.4759% | 2,307 |
| Net interest margin | 3.5818% | 3,169 |
| Noninterest income to average assets | 0.8674% | 1,485 |
| Noninterest expense to average assets | 3.8498% | 717 |
| Loan and lease loss provision to assets | 0.0827% | 2,479 |
| Net operating income to assets | 0.3168% | 5,269 |
| Return on assets (ROA) | 0.4602% | 4,922 |
| Pretax return on assets | 0.3981% | 5,344 |
| Return on Equity (ROE) | 5.4224% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.4224% | 2,468 |
| Net charge-offs to loans | 0.0771% | 2,093 |
| Credit loss provision to net charge-offs | 137.7451% | 1,698 |
| Earnings coverage of net charge-offs (x) | 5.6176% | 2,838 |
| Efficiency ratio | 91.7024% | 509 |
| Assets per employee ($millions) | 5.0173% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 5,500 |
| Loan loss allowance to noncurrent loans | 142.0643% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 3,800 |
| Noncurrent loans to loans | 0.4987% | 3,585 |
| Net loans and leases to total assets | 77.8748% | 1,222 |
| Net loans and leases to deposits | 91.9870% | 1,516 |
| Net loans and leases to core deposits | 101.5187% | 1,509 |
| Total domestic deposits to total assets | 84.6584% | 3,021 |
| Equity capital to assets | 8.4144% | 5,647 |
| Core capital (leverage) ratio | 8.2751% | 5,552 |
| Tier 1 risk-based capital ratio | 11.5126% | 5,143 |
| Total risk-based capital ratio | 12.3159% | 5,306 |
| Memoranda: | ||
| Average total assets | $679,258,000 | 1,049 |
| Average earning assets | $629,575,670 | 1,039 |
| Average equity | $57,650,000 | 1,346 |
| Average total loans | $529,332,330 | 928 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,227 |
| Cost of funding earning assets | 0.4426% | 2,658 |
| Net interest margin | 3.5556% | 3,253 |
| Noninterest income to average assets | 0.4915% | 3,182 |
| Noninterest expense to average assets | 3.4187% | 1,346 |
| Loan and lease loss provision to assets | 0.0608% | 2,729 |
| Net operating income to assets | 0.2707% | 5,379 |
| Return on assets (ROA) | 0.2707% | 5,451 |
| Pretax return on assets | 0.3072% | 5,494 |
| Return on Equity (ROE) | 3.1725% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.1725% | 3,923 |
| Net charge-offs to loans | 0.0783% | 1,703 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 6.0526% | 2,271 |
| Efficiency ratio | 90.1301% | 668 |
| Assets per employee ($millions) | 4.9825% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 5,114 |
| Loan loss allowance to noncurrent loans | 223.6089% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,974 |
| Noncurrent loans to loans | 0.3945% | 4,023 |
| Net loans and leases to total assets | 76.9514% | 1,256 |
| Net loans and leases to deposits | 93.8204% | 1,164 |
| Net loans and leases to core deposits | 107.0162% | 1,017 |
| Total domestic deposits to total assets | 82.0199% | 4,218 |
| Equity capital to assets | 8.5746% | 5,520 |
| Core capital (leverage) ratio | 8.4090% | 5,471 |
| Tier 1 risk-based capital ratio | 11.7354% | 5,092 |
| Total risk-based capital ratio | 12.7203% | 5,152 |
| Memoranda: | ||
| Average total assets | $625,028,500 | 1,130 |
| Average earning assets | $579,256,000 | 1,124 |
| Average equity | $53,334,000 | 1,442 |
| Average total loans | $485,093,500 | 1,002 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,711 |
| Cost of funding earning assets | 0.4434% | 2,697 |
| Net interest margin | 3.4548% | 3,696 |
| Noninterest income to average assets | 0.5386% | 3,085 |
| Noninterest expense to average assets | 3.1870% | 1,996 |
| Loan and lease loss provision to assets | 0.1221% | 1,963 |
| Net operating income to assets | 0.3413% | 5,238 |
| Return on assets (ROA) | 0.4149% | 5,090 |
| Pretax return on assets | 0.5078% | 5,094 |
| Return on Equity (ROE) | 4.8926% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.8350% | 2,538 |
| Net charge-offs to loans | 0.1884% | 1,538 |
| Credit loss provision to net charge-offs | 86.5896% | 2,823 |
| Earnings coverage of net charge-offs (x) | 3.8312% | 3,653 |
| Efficiency ratio | 85.3526% | 1,057 |
| Assets per employee ($millions) | 4.8237% | 2,572 |
| Cash dividends to net income (ytd only)* | 1.1783% | 4,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 5,116 |
| Loan loss allowance to noncurrent loans | 192.1358% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 3,758 |
| Noncurrent loans to loans | 0.4636% | 3,806 |
| Net loans and leases to total assets | 76.8953% | 1,268 |
| Net loans and leases to deposits | 92.0789% | 1,390 |
| Net loans and leases to core deposits | 101.9815% | 1,366 |
| Total domestic deposits to total assets | 83.5102% | 3,668 |
| Equity capital to assets | 8.4912% | 5,569 |
| Core capital (leverage) ratio | 8.2344% | 5,659 |
| Tier 1 risk-based capital ratio | 11.7195% | 5,119 |
| Total risk-based capital ratio | 12.7098% | 5,181 |
| Memoranda: | ||
| Average total assets | $613,656,000 | 1,109 |
| Average earning assets | $566,335,400 | 1,104 |
| Average equity | $52,037,400 | 1,429 |
| Average total loans | $459,024,400 | 1,004 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 3,766 |
| Cost of funding earning assets | 0.4399% | 2,797 |
| Net interest margin | 3.4506% | 3,749 |
| Noninterest income to average assets | 0.5381% | 3,118 |
| Noninterest expense to average assets | 3.1035% | 2,211 |
| Loan and lease loss provision to assets | 0.1051% | 2,108 |
| Net operating income to assets | 0.4197% | 5,087 |
| Return on assets (ROA) | 0.4960% | 4,893 |
| Pretax return on assets | 0.6040% | 4,964 |
| Return on Equity (ROE) | 5.8515% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.7743% | 2,382 |
| Net charge-offs to loans | 0.1545% | 1,596 |
| Credit loss provision to net charge-offs | 91.8095% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.3810% | 3,213 |
| Efficiency ratio | 83.2816% | 1,235 |
| Assets per employee ($millions) | 5.0340% | 2,265 |
| Cash dividends to net income (ytd only)* | 1.3187% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 4,960 |
| Loan loss allowance to noncurrent loans | 206.7612% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 4,023 |
| Noncurrent loans to loans | 0.4617% | 3,976 |
| Net loans and leases to total assets | 72.6806% | 1,959 |
| Net loans and leases to deposits | 87.4271% | 1,978 |
| Net loans and leases to core deposits | 97.6662% | 1,728 |
| Total domestic deposits to total assets | 83.1328% | 3,762 |
| Equity capital to assets | 8.4628% | 5,729 |
| Core capital (leverage) ratio | 8.4522% | 5,587 |
| Tier 1 risk-based capital ratio | 12.1401% | 5,002 |
| Total risk-based capital ratio | 13.1858% | 5,035 |
| Memoranda: | ||
| Average total assets | $611,505,500 | 1,120 |
| Average earning assets | $563,791,000 | 1,112 |
| Average equity | $51,837,500 | 1,440 |
| Average total loans | $453,083,750 | 1,021 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,614 |
| Cost of funding earning assets | 0.4441% | 2,792 |
| Net interest margin | 3.4759% | 3,601 |
| Noninterest income to average assets | 0.5991% | 2,747 |
| Noninterest expense to average assets | 3.0352% | 2,443 |
| Loan and lease loss provision to assets | 0.1591% | 1,335 |
| Net operating income to assets | 0.4746% | 4,872 |
| Return on assets (ROA) | 0.5286% | 4,761 |
| Pretax return on assets | 0.6755% | 4,733 |
| Return on Equity (ROE) | 6.2320% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.1156% | 2,162 |
| Net charge-offs to loans | 0.2251% | 1,137 |
| Credit loss provision to net charge-offs | 95.0787% | 2,143 |
| Earnings coverage of net charge-offs (x) | 4.5748% | 3,023 |
| Efficiency ratio | 79.7054% | 1,801 |
| Assets per employee ($millions) | 5.0473% | 2,217 |
| Cash dividends to net income (ytd only)* | 1.8692% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,966 |
| Loan loss allowance to noncurrent loans | 159.2096% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 3,700 |
| Noncurrent loans to loans | 0.6159% | 3,619 |
| Net loans and leases to total assets | 72.0126% | 1,974 |
| Net loans and leases to deposits | 83.8337% | 2,330 |
| Net loans and leases to core deposits | 93.7487% | 1,984 |
| Total domestic deposits to total assets | 85.8994% | 2,743 |
| Equity capital to assets | 8.4399% | 5,731 |
| Core capital (leverage) ratio | 8.4576% | 5,572 |
| Tier 1 risk-based capital ratio | 12.3076% | 4,934 |
| Total risk-based capital ratio | 13.3858% | 4,953 |
| Memoranda: | ||
| Average total assets | $607,269,670 | 1,136 |
| Average earning assets | $559,344,670 | 1,125 |
| Average equity | $51,508,000 | 1,458 |
| Average total loans | $451,426,670 | 1,027 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,444 |
| Cost of funding earning assets | 0.4460% | 2,816 |
| Net interest margin | 3.4970% | 3,450 |
| Noninterest income to average assets | 0.5094% | 3,224 |
| Noninterest expense to average assets | 3.0341% | 2,470 |
| Loan and lease loss provision to assets | 0.2017% | 918 |
| Net operating income to assets | 0.4166% | 5,012 |
| Return on assets (ROA) | 0.4955% | 4,826 |
| Pretax return on assets | 0.5864% | 4,953 |
| Return on Equity (ROE) | 5.8272% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.5932% | 2,724 |
| Net charge-offs to loans | 0.4519% | 546 |
| Credit loss provision to net charge-offs | 59.3750% | 2,014 |
| Earnings coverage of net charge-offs (x) | 2.0469% | 2,828 |
| Efficiency ratio | 81.1989% | 1,729 |
| Assets per employee ($millions) | 4.9265% | 2,454 |
| Cash dividends to net income (ytd only)* | 4.0161% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 5,346 |
| Loan loss allowance to noncurrent loans | 125.0520% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 3,415 |
| Noncurrent loans to loans | 0.7405% | 3,409 |
| Net loans and leases to total assets | 74.9052% | 1,372 |
| Net loans and leases to deposits | 88.6904% | 1,541 |
| Net loans and leases to core deposits | 99.5634% | 1,349 |
| Total domestic deposits to total assets | 84.4569% | 3,632 |
| Equity capital to assets | 8.6020% | 5,660 |
| Core capital (leverage) ratio | 8.4160% | 5,610 |
| Tier 1 risk-based capital ratio | 12.0926% | 5,177 |
| Total risk-based capital ratio | 13.1246% | 5,213 |
| Memoranda: | ||
| Average total assets | $603,017,500 | 1,148 |
| Average earning assets | $555,216,500 | 1,137 |
| Average equity | $51,276,500 | 1,471 |
| Average total loans | $453,227,000 | 1,027 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 3,139 |
| Cost of funding earning assets | 0.4856% | 2,825 |
| Net interest margin | 3.6610% | 3,176 |
| Noninterest income to average assets | 0.6337% | 2,652 |
| Noninterest expense to average assets | 3.2071% | 2,195 |
| Loan and lease loss provision to assets | 0.1922% | 1,333 |
| Net operating income to assets | 0.4494% | 5,026 |
| Return on assets (ROA) | 0.1728% | 5,867 |
| Pretax return on assets | 0.3424% | 5,620 |
| Return on Equity (ROE) | 1.9852% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.7477% | 4,945 |
| Net charge-offs to loans | 0.1899% | 2,149 |
| Credit loss provision to net charge-offs | 132.5416% | 1,796 |
| Earnings coverage of net charge-offs (x) | 5.3670% | 3,437 |
| Efficiency ratio | 80.3129% | 1,879 |
| Assets per employee ($millions) | 4.8790% | 2,487 |
| Cash dividends to net income (ytd only)* | 11.9641% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 5,165 |
| Loan loss allowance to noncurrent loans | 144.0313% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 3,707 |
| Noncurrent loans to loans | 0.6783% | 3,645 |
| Net loans and leases to total assets | 73.9874% | 1,585 |
| Net loans and leases to deposits | 93.8083% | 1,092 |
| Net loans and leases to core deposits | 105.9967% | 1,023 |
| Total domestic deposits to total assets | 78.8708% | 5,273 |
| Equity capital to assets | 8.4053% | 5,822 |
| Core capital (leverage) ratio | 8.2797% | 5,791 |
| Tier 1 risk-based capital ratio | 12.3980% | 5,088 |
| Total risk-based capital ratio | 13.5249% | 5,090 |
| Memoranda: | ||
| Average total assets | $580,523,400 | 1,137 |
| Average earning assets | $531,493,600 | 1,138 |
| Average equity | $50,523,400 | 1,431 |
| Average total loans | $443,487,600 | 994 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,988 |
| Cost of funding earning assets | 0.4838% | 2,916 |
| Net interest margin | 3.7167% | 2,954 |
| Noninterest income to average assets | 0.6309% | 2,682 |
| Noninterest expense to average assets | 3.2775% | 1,953 |
| Loan and lease loss provision to assets | 0.1743% | 1,409 |
| Net operating income to assets | 0.4550% | 5,057 |
| Return on assets (ROA) | 0.0875% | 6,070 |
| Pretax return on assets | 0.2470% | 5,875 |
| Return on Equity (ROE) | 0.9965% | 6,030 |
| Retained earnings to average equity (ytd only) | 0.7586% | 5,575 |
| Net charge-offs to loans | 0.2453% | 1,569 |
| Credit loss provision to net charge-offs | 92.4877% | 2,389 |
| Earnings coverage of net charge-offs (x) | 3.9704% | 3,558 |
| Efficiency ratio | 81.2558% | 1,717 |
| Assets per employee ($millions) | 4.7925% | 2,530 |
| Cash dividends to net income (ytd only)* | 23.8735% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 5,573 |
| Loan loss allowance to noncurrent loans | 136.5340% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 4,082 |
| Noncurrent loans to loans | 0.6662% | 3,943 |
| Net loans and leases to total assets | 74.8125% | 1,395 |
| Net loans and leases to deposits | 89.2773% | 1,512 |
| Net loans and leases to core deposits | 100.3521% | 1,336 |
| Total domestic deposits to total assets | 83.7978% | 3,837 |
| Equity capital to assets | 8.4597% | 5,825 |
| Core capital (leverage) ratio | 8.2549% | 5,879 |
| Tier 1 risk-based capital ratio | 12.2966% | 5,303 |
| Total risk-based capital ratio | 13.3445% | 5,348 |
| Memoranda: | ||
| Average total assets | $574,403,750 | 1,156 |
| Average earning assets | $524,679,750 | 1,168 |
| Average equity | $50,441,250 | 1,443 |
| Average total loans | $441,349,250 | 1,003 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 2,810 |
| Cost of funding earning assets | 0.5034% | 2,799 |
| Net interest margin | 3.7363% | 2,815 |
| Noninterest income to average assets | 0.6312% | 2,649 |
| Noninterest expense to average assets | 3.2974% | 1,932 |
| Loan and lease loss provision to assets | 0.1585% | 1,572 |
| Net operating income to assets | 0.4830% | 4,877 |
| Return on assets (ROA) | 0.6083% | 4,414 |
| Pretax return on assets | 0.7376% | 4,506 |
| Return on Equity (ROE) | 6.8400% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.6023% | 1,980 |
| Net charge-offs to loans | 0.3823% | 1,054 |
| Credit loss provision to net charge-offs | 53.6353% | 2,738 |
| Earnings coverage of net charge-offs (x) | 2.5149% | 3,532 |
| Efficiency ratio | 81.4489% | 1,811 |
| Assets per employee ($millions) | 4.5550% | 2,839 |
| Cash dividends to net income (ytd only)* | 3.4742% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 5,891 |
| Loan loss allowance to noncurrent loans | 127.0911% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 4,257 |
| Noncurrent loans to loans | 0.6594% | 4,058 |
| Net loans and leases to total assets | 77.9931% | 909 |
| Net loans and leases to deposits | 90.3881% | 1,335 |
| Net loans and leases to core deposits | 99.5262% | 1,317 |
| Total domestic deposits to total assets | 86.2869% | 2,887 |
| Equity capital to assets | 9.0850% | 5,213 |
| Core capital (leverage) ratio | 8.6797% | 5,432 |
| Tier 1 risk-based capital ratio | 12.8705% | 4,998 |
| Total risk-based capital ratio | 13.8510% | 5,089 |
| Memoranda: | ||
| Average total assets | $567,783,000 | 1,168 |
| Average earning assets | $518,112,000 | 1,179 |
| Average equity | $50,497,330 | 1,436 |
| Average total loans | $438,910,330 | 1,004 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,761 |
| Cost of funding earning assets | 0.4968% | 2,938 |
| Net interest margin | 3.7343% | 2,730 |
| Noninterest income to average assets | 0.5616% | 2,977 |
| Noninterest expense to average assets | 3.2008% | 2,232 |
| Loan and lease loss provision to assets | 0.1587% | 1,531 |
| Net operating income to assets | 0.5358% | 4,526 |
| Return on assets (ROA) | 0.7224% | 3,660 |
| Pretax return on assets | 0.8261% | 3,998 |
| Return on Equity (ROE) | 8.2114% | 2,837 |
| Retained earnings to average equity (ytd only) | 7.9708% | 1,607 |
| Net charge-offs to loans | 0.1989% | 1,543 |
| Credit loss provision to net charge-offs | 104.1667% | 1,602 |
| Earnings coverage of net charge-offs (x) | 5.0556% | 2,433 |
| Efficiency ratio | 80.4406% | 2,143 |
| Assets per employee ($millions) | 4.8577% | 2,435 |
| Cash dividends to net income (ytd only)* | 2.9297% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,745 |
| Loan loss allowance to noncurrent loans | 131.1947% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 4,171 |
| Noncurrent loans to loans | 0.7150% | 4,082 |
| Net loans and leases to total assets | 77.1290% | 867 |
| Net loans and leases to deposits | 91.2525% | 1,012 |
| Net loans and leases to core deposits | 99.8433% | 1,112 |
| Total domestic deposits to total assets | 84.5226% | 4,078 |
| Equity capital to assets | 8.9026% | 5,220 |
| Core capital (leverage) ratio | 8.6815% | 5,407 |
| Tier 1 risk-based capital ratio | 12.8436% | 5,097 |
| Total risk-based capital ratio | 13.9397% | 5,132 |
| Memoranda: | ||
| Average total assets | $566,987,000 | 1,173 |
| Average earning assets | $517,682,000 | 1,185 |
| Average equity | $49,882,000 | 1,447 |
| Average total loans | $434,452,500 | 1,017 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,929 |
| Cost of funding earning assets | 0.5251% | 3,348 |
| Net interest margin | 3.7838% | 2,711 |
| Noninterest income to average assets | 0.9110% | 1,643 |
| Noninterest expense to average assets | 3.1930% | 2,442 |
| Loan and lease loss provision to assets | 0.1490% | 2,415 |
| Net operating income to assets | 0.7087% | 3,755 |
| Return on assets (ROA) | 0.6990% | 3,888 |
| Pretax return on assets | 0.9950% | 3,371 |
| Return on Equity (ROE) | 8.0457% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.6176% | 1,184 |
| Net charge-offs to loans | 0.2814% | 2,289 |
| Credit loss provision to net charge-offs | 71.4534% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.5535% | 3,271 |
| Efficiency ratio | 73.2402% | 3,254 |
| Assets per employee ($millions) | 4.8760% | 2,342 |
| Cash dividends to net income (ytd only)* | 5.3205% | 4,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 5,695 |
| Loan loss allowance to noncurrent loans | 118.8181% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 3,993 |
| Noncurrent loans to loans | 0.8176% | 3,930 |
| Net loans and leases to total assets | 74.6519% | 1,259 |
| Net loans and leases to deposits | 92.6074% | 996 |
| Net loans and leases to core deposits | 100.4358% | 1,120 |
| Total domestic deposits to total assets | 80.6112% | 5,291 |
| Equity capital to assets | 8.6924% | 5,380 |
| Core capital (leverage) ratio | 8.6252% | 5,509 |
| Tier 1 risk-based capital ratio | 13.0274% | 4,950 |
| Total risk-based capital ratio | 14.1842% | 4,977 |
| Memoranda: | ||
| Average total assets | $551,178,400 | 1,204 |
| Average earning assets | $501,050,800 | 1,215 |
| Average equity | $47,889,000 | 1,465 |
| Average total loans | $408,357,600 | 1,044 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 2,898 |
| Cost of funding earning assets | 0.5278% | 3,488 |
| Net interest margin | 3.7940% | 2,658 |
| Noninterest income to average assets | 0.8578% | 1,902 |
| Noninterest expense to average assets | 3.1348% | 2,552 |
| Loan and lease loss provision to assets | 0.1651% | 2,197 |
| Net operating income to assets | 0.7060% | 3,825 |
| Return on assets (ROA) | 0.7312% | 3,822 |
| Pretax return on assets | 1.0407% | 3,335 |
| Return on Equity (ROE) | 8.4169% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.9264% | 1,438 |
| Net charge-offs to loans | 0.3364% | 1,868 |
| Credit loss provision to net charge-offs | 66.5358% | 3,147 |
| Earnings coverage of net charge-offs (x) | 4.7144% | 3,373 |
| Efficiency ratio | 72.6722% | 3,289 |
| Assets per employee ($millions) | 4.7610% | 2,488 |
| Cash dividends to net income (ytd only)* | 5.8276% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 5,705 |
| Loan loss allowance to noncurrent loans | 79.3581% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 3,548 |
| Noncurrent loans to loans | 1.2622% | 3,291 |
| Net loans and leases to total assets | 72.6382% | 1,510 |
| Net loans and leases to deposits | 87.7021% | 1,401 |
| Net loans and leases to core deposits | 94.7036% | 1,503 |
| Total domestic deposits to total assets | 82.8238% | 4,643 |
| Equity capital to assets | 8.6108% | 5,613 |
| Core capital (leverage) ratio | 8.4545% | 5,810 |
| Tier 1 risk-based capital ratio | 13.2305% | 4,964 |
| Total risk-based capital ratio | 14.4063% | 4,959 |
| Memoranda: | ||
| Average total assets | $547,567,750 | 1,224 |
| Average earning assets | $497,436,750 | 1,234 |
| Average equity | $47,569,750 | 1,485 |
| Average total loans | $403,849,750 | 1,059 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,812 |
| Cost of funding earning assets | 0.5305% | 3,598 |
| Net interest margin | 3.8043% | 2,543 |
| Noninterest income to average assets | 0.9012% | 1,808 |
| Noninterest expense to average assets | 3.1727% | 2,434 |
| Loan and lease loss provision to assets | 0.1953% | 1,948 |
| Net operating income to assets | 0.6971% | 3,817 |
| Return on assets (ROA) | 0.7384% | 3,781 |
| Pretax return on assets | 1.0482% | 3,302 |
| Return on Equity (ROE) | 8.4733% | 2,862 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,493 |
| Net charge-offs to loans | 0.3167% | 1,918 |
| Credit loss provision to net charge-offs | 83.4646% | 2,559 |
| Earnings coverage of net charge-offs (x) | 5.0630% | 2,972 |
| Efficiency ratio | 72.6619% | 3,358 |
| Assets per employee ($millions) | 4.6343% | 2,601 |
| Cash dividends to net income (ytd only)* | 5.7884% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 5,544 |
| Loan loss allowance to noncurrent loans | 90.5414% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 3,971 |
| Noncurrent loans to loans | 1.1841% | 3,579 |
| Net loans and leases to total assets | 73.0375% | 1,396 |
| Net loans and leases to deposits | 93.3759% | 852 |
| Net loans and leases to core deposits | 98.3720% | 1,181 |
| Total domestic deposits to total assets | 78.2188% | 5,942 |
| Equity capital to assets | 8.6106% | 5,659 |
| Core capital (leverage) ratio | 8.3984% | 5,771 |
| Tier 1 risk-based capital ratio | 12.9981% | 5,145 |
| Total risk-based capital ratio | 14.2453% | 5,087 |
| Memoranda: | ||
| Average total assets | $542,825,670 | 1,238 |
| Average earning assets | $493,128,330 | 1,245 |
| Average equity | $47,301,330 | 1,502 |
| Average total loans | $401,064,330 | 1,063 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,748 |
| Cost of funding earning assets | 0.5366% | 3,711 |
| Net interest margin | 3.7977% | 2,460 |
| Noninterest income to average assets | 0.8683% | 1,874 |
| Noninterest expense to average assets | 3.1205% | 2,614 |
| Loan and lease loss provision to assets | 0.2451% | 1,468 |
| Net operating income to assets | 0.6839% | 3,763 |
| Return on assets (ROA) | 0.6997% | 3,827 |
| Pretax return on assets | 0.9842% | 3,426 |
| Return on Equity (ROE) | 7.9815% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.5070% | 1,938 |
| Net charge-offs to loans | 0.4492% | 1,331 |
| Credit loss provision to net charge-offs | 73.8255% | 2,243 |
| Earnings coverage of net charge-offs (x) | 3.6353% | 2,716 |
| Efficiency ratio | 71.9533% | 3,623 |
| Assets per employee ($millions) | 4.9403% | 2,297 |
| Cash dividends to net income (ytd only)* | 5.9448% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,676 |
| Loan loss allowance to noncurrent loans | 105.3995% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 4,182 |
| Noncurrent loans to loans | 1.0278% | 4,081 |
| Net loans and leases to total assets | 72.4837% | 1,286 |
| Net loans and leases to deposits | 90.8834% | 895 |
| Net loans and leases to core deposits | 95.1146% | 1,262 |
| Total domestic deposits to total assets | 79.7546% | 5,811 |
| Equity capital to assets | 8.6763% | 5,834 |
| Core capital (leverage) ratio | 8.5213% | 5,557 |
| Tier 1 risk-based capital ratio | 12.9775% | 5,238 |
| Total risk-based capital ratio | 14.2505% | 5,166 |
| Memoranda: | ||
| Average total assets | $538,496,500 | 1,254 |
| Average earning assets | $490,511,000 | 1,263 |
| Average equity | $47,209,000 | 1,527 |
| Average total loans | $398,019,000 | 1,067 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 3,150 |
| Cost of funding earning assets | 0.6711% | 3,734 |
| Net interest margin | 3.8937% | 2,859 |
| Noninterest income to average assets | 1.0046% | 1,522 |
| Noninterest expense to average assets | 3.2681% | 2,432 |
| Loan and lease loss provision to assets | 0.3042% | 2,245 |
| Net operating income to assets | 0.7140% | 3,674 |
| Return on assets (ROA) | 0.6296% | 4,359 |
| Pretax return on assets | 0.8556% | 4,083 |
| Return on Equity (ROE) | 7.4288% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.8822% | 1,627 |
| Net charge-offs to loans | 0.3283% | 2,998 |
| Credit loss provision to net charge-offs | 129.1870% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.4106% | 3,046 |
| Efficiency ratio | 71.8645% | 3,437 |
| Assets per employee ($millions) | 4.5181% | 2,926 |
| Cash dividends to net income (ytd only)* | 7.3579% | 4,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,419 |
| Loan loss allowance to noncurrent loans | 87.4927% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 3,950 |
| Noncurrent loans to loans | 1.2960% | 3,670 |
| Net loans and leases to total assets | 73.7267% | 1,234 |
| Net loans and leases to deposits | 95.1044% | 673 |
| Net loans and leases to core deposits | 98.8092% | 1,089 |
| Total domestic deposits to total assets | 77.5219% | 6,162 |
| Equity capital to assets | 8.8607% | 5,673 |
| Core capital (leverage) ratio | 8.4245% | 5,725 |
| Tier 1 risk-based capital ratio | 13.1476% | 5,004 |
| Total risk-based capital ratio | 14.3986% | 4,947 |
| Memoranda: | ||
| Average total assets | $522,419,000 | 1,274 |
| Average earning assets | $474,610,000 | 1,283 |
| Average equity | $44,273,400 | 1,576 |
| Average total loans | $374,640,600 | 1,117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 3,313 |
| Cost of funding earning assets | 0.6969% | 3,794 |
| Net interest margin | 3.8776% | 2,994 |
| Noninterest income to average assets | 0.9783% | 1,568 |
| Noninterest expense to average assets | 3.2409% | 2,448 |
| Loan and lease loss provision to assets | 0.2619% | 2,479 |
| Net operating income to assets | 0.7295% | 3,776 |
| Return on assets (ROA) | 0.6361% | 4,461 |
| Pretax return on assets | 0.8683% | 4,228 |
| Return on Equity (ROE) | 7.5936% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.0344% | 2,108 |
| Net charge-offs to loans | 0.2384% | 3,290 |
| Credit loss provision to net charge-offs | 154.7655% | 1,821 |
| Earnings coverage of net charge-offs (x) | 7.4357% | 2,606 |
| Efficiency ratio | 71.9675% | 3,337 |
| Assets per employee ($millions) | 4.6644% | 2,653 |
| Cash dividends to net income (ytd only)* | 7.3641% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,487 |
| Loan loss allowance to noncurrent loans | 79.7468% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.1502% | 3,989 |
| Noncurrent loans to loans | 1.4508% | 3,629 |
| Net loans and leases to total assets | 71.8657% | 1,574 |
| Net loans and leases to deposits | 92.3940% | 930 |
| Net loans and leases to core deposits | 95.9432% | 1,415 |
| Total domestic deposits to total assets | 77.7817% | 6,119 |
| Equity capital to assets | 8.5258% | 6,237 |
| Core capital (leverage) ratio | 8.2494% | 6,087 |
| Tier 1 risk-based capital ratio | 13.2483% | 5,061 |
| Total risk-based capital ratio | 14.5004% | 5,023 |
| Memoranda: | ||
| Average total assets | $520,869,750 | 1,298 |
| Average earning assets | $472,932,750 | 1,306 |
| Average equity | $43,632,000 | 1,614 |
| Average total loans | $369,750,500 | 1,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 3,404 |
| Cost of funding earning assets | 0.7345% | 3,730 |
| Net interest margin | 3.8564% | 3,107 |
| Noninterest income to average assets | 0.7907% | 2,228 |
| Noninterest expense to average assets | 3.1954% | 2,606 |
| Loan and lease loss provision to assets | 0.2374% | 2,700 |
| Net operating income to assets | 0.6388% | 4,175 |
| Return on assets (ROA) | 0.5928% | 4,658 |
| Pretax return on assets | 0.7996% | 4,475 |
| Return on Equity (ROE) | 7.1196% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.5623% | 2,350 |
| Net charge-offs to loans | 0.2878% | 2,882 |
| Credit loss provision to net charge-offs | 117.1756% | 2,347 |
| Earnings coverage of net charge-offs (x) | 5.4256% | 2,840 |
| Efficiency ratio | 74.3765% | 3,012 |
| Assets per employee ($millions) | 4.3921% | 3,100 |
| Cash dividends to net income (ytd only)* | 7.8278% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,670 |
| Loan loss allowance to noncurrent loans | 86.2274% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 4,142 |
| Noncurrent loans to loans | 1.3042% | 3,963 |
| Net loans and leases to total assets | 71.2668% | 1,687 |
| Net loans and leases to deposits | 88.8444% | 1,274 |
| Net loans and leases to core deposits | 92.5938% | 1,720 |
| Total domestic deposits to total assets | 80.2153% | 5,684 |
| Equity capital to assets | 8.4349% | 6,270 |
| Core capital (leverage) ratio | 8.0717% | 6,191 |
| Tier 1 risk-based capital ratio | 13.0957% | 5,118 |
| Total risk-based capital ratio | 14.3468% | 5,099 |
| Memoranda: | ||
| Average total assets | $517,247,000 | 1,309 |
| Average earning assets | $469,969,330 | 1,317 |
| Average equity | $43,064,330 | 1,625 |
| Average total loans | $364,130,670 | 1,155 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 3,561 |
| Cost of funding earning assets | 0.7454% | 3,902 |
| Net interest margin | 3.8428% | 3,171 |
| Noninterest income to average assets | 0.6611% | 2,862 |
| Noninterest expense to average assets | 3.1397% | 2,790 |
| Loan and lease loss provision to assets | 0.2361% | 2,579 |
| Net operating income to assets | 0.5709% | 4,490 |
| Return on assets (ROA) | 0.5875% | 4,622 |
| Pretax return on assets | 0.7958% | 4,428 |
| Return on Equity (ROE) | 7.1036% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.5420% | 2,658 |
| Net charge-offs to loans | 0.4340% | 2,011 |
| Credit loss provision to net charge-offs | 78.2051% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.3436% | 2,872 |
| Efficiency ratio | 75.6716% | 2,829 |
| Assets per employee ($millions) | 4.6483% | 2,736 |
| Cash dividends to net income (ytd only)* | 7.9051% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,865 |
| Loan loss allowance to noncurrent loans | 75.8478% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 4,090 |
| Noncurrent loans to loans | 1.4650% | 3,921 |
| Net loans and leases to total assets | 69.4431% | 1,848 |
| Net loans and leases to deposits | 86.8919% | 1,306 |
| Net loans and leases to core deposits | 91.8324% | 1,669 |
| Total domestic deposits to total assets | 79.9189% | 5,871 |
| Equity capital to assets | 8.3768% | 6,199 |
| Core capital (leverage) ratio | 8.0768% | 6,185 |
| Tier 1 risk-based capital ratio | 13.6638% | 4,704 |
| Total risk-based capital ratio | 14.9149% | 4,688 |
| Memoranda: | ||
| Average total assets | $516,738,500 | 1,316 |
| Average earning assets | $469,036,000 | 1,327 |
| Average equity | $42,739,000 | 1,626 |
| Average total loans | $359,420,500 | 1,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 4,157 |
| Cost of funding earning assets | 0.9312% | 3,863 |
| Net interest margin | 3.7911% | 3,871 |
| Noninterest income to average assets | 0.6556% | 2,852 |
| Noninterest expense to average assets | 3.0581% | 3,360 |
| Loan and lease loss provision to assets | 0.4666% | 2,272 |
| Net operating income to assets | 0.4303% | 4,735 |
| Return on assets (ROA) | 0.5048% | 4,613 |
| Pretax return on assets | 0.6871% | 4,380 |
| Return on Equity (ROE) | 6.5024% | 3,639 |
| Retained earnings to average equity (ytd only) | 5.5696% | 2,256 |
| Net charge-offs to loans | 0.7776% | 2,210 |
| Credit loss provision to net charge-offs | 88.7144% | 4,069 |
| Earnings coverage of net charge-offs (x) | 1.9996% | 4,284 |
| Efficiency ratio | 74.4111% | 3,158 |
| Assets per employee ($millions) | 4.7479% | 2,520 |
| Cash dividends to net income (ytd only)* | 14.3455% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,615 |
| Loan loss allowance to noncurrent loans | 88.0111% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 4,414 |
| Noncurrent loans to loans | 1.3102% | 4,182 |
| Net loans and leases to total assets | 68.0955% | 2,380 |
| Net loans and leases to deposits | 88.3405% | 1,334 |
| Net loans and leases to core deposits | 94.1432% | 1,681 |
| Total domestic deposits to total assets | 77.0830% | 6,328 |
| Equity capital to assets | 8.1653% | 6,468 |
| Core capital (leverage) ratio | 7.8457% | 6,404 |
| Tier 1 risk-based capital ratio | 13.4376% | 4,745 |
| Total risk-based capital ratio | 14.6894% | 4,705 |
| Memoranda: | ||
| Average total assets | $520,613,400 | 1,284 |
| Average earning assets | $474,343,600 | 1,292 |
| Average equity | $40,415,800 | 1,667 |
| Average total loans | $352,087,600 | 1,203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 4,342 |
| Cost of funding earning assets | 0.9716% | 3,880 |
| Net interest margin | 3.7521% | 4,099 |
| Noninterest income to average assets | 0.5830% | 3,274 |
| Noninterest expense to average assets | 3.0262% | 3,460 |
| Loan and lease loss provision to assets | 0.4086% | 2,418 |
| Net operating income to assets | 0.4233% | 4,888 |
| Return on assets (ROA) | 0.4759% | 4,847 |
| Pretax return on assets | 0.6383% | 4,694 |
| Return on Equity (ROE) | 6.2101% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.2724% | 3,013 |
| Net charge-offs to loans | 0.7989% | 1,964 |
| Credit loss provision to net charge-offs | 75.9867% | 4,277 |
| Earnings coverage of net charge-offs (x) | 1.8165% | 4,300 |
| Efficiency ratio | 75.5973% | 2,899 |
| Assets per employee ($millions) | 4.6724% | 2,652 |
| Cash dividends to net income (ytd only)* | 15.0995% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,842 |
| Loan loss allowance to noncurrent loans | 78.7885% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 4,577 |
| Noncurrent loans to loans | 1.4110% | 4,176 |
| Net loans and leases to total assets | 66.5488% | 2,771 |
| Net loans and leases to deposits | 87.3285% | 1,516 |
| Net loans and leases to core deposits | 93.2440% | 1,852 |
| Total domestic deposits to total assets | 76.2051% | 6,507 |
| Equity capital to assets | 7.9184% | 6,745 |
| Core capital (leverage) ratio | 7.7006% | 6,639 |
| Tier 1 risk-based capital ratio | 13.4991% | 4,732 |
| Total risk-based capital ratio | 14.7503% | 4,703 |
| Memoranda: | ||
| Average total assets | $521,387,000 | 1,287 |
| Average earning assets | $475,237,500 | 1,291 |
| Average equity | $39,955,500 | 1,683 |
| Average total loans | $350,980,000 | 1,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 4,313 |
| Cost of funding earning assets | 0.9978% | 3,963 |
| Net interest margin | 3.7501% | 4,033 |
| Noninterest income to average assets | 0.5435% | 3,526 |
| Noninterest expense to average assets | 3.0015% | 3,634 |
| Loan and lease loss provision to assets | 0.5139% | 1,907 |
| Net operating income to assets | 0.3418% | 5,209 |
| Return on assets (ROA) | 0.4294% | 4,961 |
| Pretax return on assets | 0.5703% | 4,843 |
| Return on Equity (ROE) | 5.6663% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.7185% | 3,186 |
| Net charge-offs to loans | 1.0714% | 1,467 |
| Credit loss provision to net charge-offs | 71.2460% | 4,028 |
| Earnings coverage of net charge-offs (x) | 1.3413% | 4,284 |
| Efficiency ratio | 75.6242% | 3,082 |
| Assets per employee ($millions) | 4.8499% | 2,339 |
| Cash dividends to net income (ytd only)* | 16.7263% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,949 |
| Loan loss allowance to noncurrent loans | 70.2771% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 4,530 |
| Noncurrent loans to loans | 1.5685% | 4,057 |
| Net loans and leases to total assets | 67.0820% | 2,809 |
| Net loans and leases to deposits | 86.8651% | 1,667 |
| Net loans and leases to core deposits | 92.6901% | 2,055 |
| Total domestic deposits to total assets | 77.2255% | 6,422 |
| Equity capital to assets | 7.7561% | 6,834 |
| Core capital (leverage) ratio | 7.6280% | 6,648 |
| Tier 1 risk-based capital ratio | 13.2062% | 4,765 |
| Total risk-based capital ratio | 14.4569% | 4,740 |
| Memoranda: | ||
| Average total assets | $520,744,670 | 1,293 |
| Average earning assets | $475,666,000 | 1,293 |
| Average equity | $39,461,330 | 1,696 |
| Average total loans | $350,582,000 | 1,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 4,326 |
| Cost of funding earning assets | 1.0044% | 4,173 |
| Net interest margin | 3.7369% | 3,910 |
| Noninterest income to average assets | 0.6341% | 2,934 |
| Noninterest expense to average assets | 3.0634% | 3,410 |
| Loan and lease loss provision to assets | 0.3826% | 2,269 |
| Net operating income to assets | 0.4437% | 4,750 |
| Return on assets (ROA) | 0.5299% | 4,438 |
| Pretax return on assets | 0.7239% | 4,204 |
| Return on Equity (ROE) | 7.0750% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.1228% | 2,561 |
| Net charge-offs to loans | 0.3384% | 2,704 |
| Credit loss provision to net charge-offs | 168.5811% | 1,711 |
| Earnings coverage of net charge-offs (x) | 4.3547% | 2,498 |
| Efficiency ratio | 75.6056% | 3,224 |
| Assets per employee ($millions) | 4.8332% | 2,371 |
| Cash dividends to net income (ytd only)* | 13.4588% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 5,067 |
| Loan loss allowance to noncurrent loans | 88.3095% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 4,564 |
| Noncurrent loans to loans | 1.4874% | 4,240 |
| Net loans and leases to total assets | 66.5416% | 2,872 |
| Net loans and leases to deposits | 87.2327% | 1,562 |
| Net loans and leases to core deposits | 93.7669% | 1,912 |
| Total domestic deposits to total assets | 76.2805% | 6,625 |
| Equity capital to assets | 7.5696% | 6,831 |
| Core capital (leverage) ratio | 7.5212% | 6,713 |
| Tier 1 risk-based capital ratio | 13.2624% | 4,608 |
| Total risk-based capital ratio | 14.5163% | 4,585 |
| Memoranda: | ||
| Average total assets | $521,645,000 | 1,297 |
| Average earning assets | $477,083,500 | 1,293 |
| Average equity | $39,067,000 | 1,701 |
| Average total loans | $349,874,000 | 1,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 4,520 |
| Cost of funding earning assets | 1.2782% | 4,031 |
| Net interest margin | 3.7302% | 4,226 |
| Noninterest income to average assets | 0.6128% | 3,390 |
| Noninterest expense to average assets | 3.0315% | 3,725 |
| Loan and lease loss provision to assets | 0.5605% | 2,884 |
| Net operating income to assets | 0.3488% | 4,745 |
| Return on assets (ROA) | 0.3923% | 4,721 |
| Pretax return on assets | 0.5126% | 4,576 |
| Return on Equity (ROE) | 5.2086% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.2384% | 2,877 |
| Net charge-offs to loans | 0.6585% | 3,034 |
| Credit loss provision to net charge-offs | 126.6200% | 3,198 |
| Earnings coverage of net charge-offs (x) | 2.2968% | 4,005 |
| Efficiency ratio | 72.4770% | 3,708 |
| Assets per employee ($millions) | 4.8269% | 2,389 |
| Cash dividends to net income (ytd only)* | 18.6265% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 5,157 |
| Loan loss allowance to noncurrent loans | 99.6618% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 5,028 |
| Noncurrent loans to loans | 1.2752% | 4,585 |
| Net loans and leases to total assets | 65.8670% | 3,496 |
| Net loans and leases to deposits | 88.0313% | 1,785 |
| Net loans and leases to core deposits | 94.4273% | 2,209 |
| Total domestic deposits to total assets | 74.8222% | 6,793 |
| Equity capital to assets | 7.4087% | 6,933 |
| Core capital (leverage) ratio | 7.4980% | 6,706 |
| Tier 1 risk-based capital ratio | 13.0878% | 4,530 |
| Total risk-based capital ratio | 14.3412% | 4,491 |
| Memoranda: | ||
| Average total assets | $515,983,800 | 1,298 |
| Average earning assets | $475,205,800 | 1,289 |
| Average equity | $38,858,600 | 1,699 |
| Average total loans | $346,856,800 | 1,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 4,441 |
| Cost of funding earning assets | 1.3453% | 3,937 |
| Net interest margin | 3.7317% | 4,257 |
| Noninterest income to average assets | 0.5630% | 3,697 |
| Noninterest expense to average assets | 2.9181% | 4,017 |
| Loan and lease loss provision to assets | 0.4360% | 3,295 |
| Net operating income to assets | 0.4733% | 4,424 |
| Return on assets (ROA) | 0.5070% | 4,472 |
| Pretax return on assets | 0.6915% | 4,257 |
| Return on Equity (ROE) | 6.7046% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.7247% | 2,526 |
| Net charge-offs to loans | 0.4697% | 3,400 |
| Credit loss provision to net charge-offs | 137.8378% | 2,896 |
| Earnings coverage of net charge-offs (x) | 3.4185% | 3,462 |
| Efficiency ratio | 72.4705% | 3,616 |
| Assets per employee ($millions) | 4.8146% | 2,434 |
| Cash dividends to net income (ytd only)* | 14.6140% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,206 |
| Loan loss allowance to noncurrent loans | 113.2485% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 5,483 |
| Noncurrent loans to loans | 1.1074% | 5,031 |
| Net loans and leases to total assets | 65.3262% | 3,840 |
| Net loans and leases to deposits | 89.6868% | 1,760 |
| Net loans and leases to core deposits | 96.0486% | 2,255 |
| Total domestic deposits to total assets | 72.8381% | 7,050 |
| Equity capital to assets | 7.7631% | 6,963 |
| Core capital (leverage) ratio | 7.3781% | 6,957 |
| Tier 1 risk-based capital ratio | 13.2040% | 4,419 |
| Total risk-based capital ratio | 14.4571% | 4,394 |
| Memoranda: | ||
| Average total assets | $514,653,500 | 1,308 |
| Average earning assets | $473,945,250 | 1,306 |
| Average equity | $38,917,750 | 1,715 |
| Average total loans | $346,624,000 | 1,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 4,398 |
| Cost of funding earning assets | 1.4104% | 3,808 |
| Net interest margin | 3.6999% | 4,368 |
| Noninterest income to average assets | 0.4342% | 4,655 |
| Noninterest expense to average assets | 2.9039% | 4,059 |
| Loan and lease loss provision to assets | 0.2608% | 4,318 |
| Net operating income to assets | 0.5024% | 4,318 |
| Return on assets (ROA) | 0.4828% | 4,561 |
| Pretax return on assets | 0.6542% | 4,383 |
| Return on Equity (ROE) | 6.4420% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.4617% | 2,636 |
| Net charge-offs to loans | 0.2995% | 3,818 |
| Credit loss provision to net charge-offs | 128.5441% | 3,128 |
| Earnings coverage of net charge-offs (x) | 4.6398% | 2,892 |
| Efficiency ratio | 75.0101% | 3,258 |
| Assets per employee ($millions) | 4.9174% | 2,278 |
| Cash dividends to net income (ytd only)* | 15.2174% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,721 |
| Loan loss allowance to noncurrent loans | 44.5356% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8747% | 3,652 |
| Noncurrent loans to loans | 2.5678% | 3,077 |
| Net loans and leases to total assets | 65.6898% | 3,904 |
| Net loans and leases to deposits | 89.9017% | 1,869 |
| Net loans and leases to core deposits | 97.2446% | 2,305 |
| Total domestic deposits to total assets | 73.0684% | 7,092 |
| Equity capital to assets | 7.4947% | 7,118 |
| Core capital (leverage) ratio | 7.0277% | 7,173 |
| Tier 1 risk-based capital ratio | 12.8538% | 4,562 |
| Total risk-based capital ratio | 14.1054% | 4,518 |
| Memoranda: | ||
| Average total assets | $514,482,330 | 1,313 |
| Average earning assets | $474,331,670 | 1,312 |
| Average equity | $38,559,330 | 1,727 |
| Average total loans | $348,561,000 | 1,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 4,078 |
| Cost of funding earning assets | 1.4565% | 3,825 |
| Net interest margin | 3.7338% | 4,086 |
| Noninterest income to average assets | 0.3796% | 5,101 |
| Noninterest expense to average assets | 2.8981% | 4,072 |
| Loan and lease loss provision to assets | 0.2465% | 4,075 |
| Net operating income to assets | 0.4928% | 4,424 |
| Return on assets (ROA) | 0.5259% | 4,395 |
| Pretax return on assets | 0.7192% | 4,165 |
| Return on Equity (ROE) | 7.0172% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.0356% | 2,607 |
| Net charge-offs to loans | 0.5228% | 2,500 |
| Credit loss provision to net charge-offs | 68.9278% | 4,124 |
| Earnings coverage of net charge-offs (x) | 2.5733% | 3,254 |
| Efficiency ratio | 75.3843% | 3,334 |
| Assets per employee ($millions) | 4.9148% | 2,352 |
| Cash dividends to net income (ytd only)* | 13.9881% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,250 |
| Loan loss allowance to noncurrent loans | 75.0204% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 4,643 |
| Noncurrent loans to loans | 1.3941% | 4,640 |
| Net loans and leases to total assets | 65.4186% | 4,015 |
| Net loans and leases to deposits | 88.4036% | 2,156 |
| Net loans and leases to core deposits | 95.4646% | 2,643 |
| Total domestic deposits to total assets | 73.9999% | 7,050 |
| Equity capital to assets | 7.2745% | 7,227 |
| Core capital (leverage) ratio | 7.0043% | 7,246 |
| Tier 1 risk-based capital ratio | 12.3895% | 4,839 |
| Total risk-based capital ratio | 13.6398% | 4,793 |
| Memoranda: | ||
| Average total assets | $511,100,000 | 1,356 |
| Average earning assets | $470,728,000 | 1,350 |
| Average equity | $38,306,000 | 1,757 |
| Average total loans | $349,658,000 | 1,355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 4,363 |
| Cost of funding earning assets | 1.9837% | 3,038 |
| Net interest margin | 3.4804% | 5,038 |
| Noninterest income to average assets | 0.8394% | 2,232 |
| Noninterest expense to average assets | 3.0277% | 4,036 |
| Loan and lease loss provision to assets | 0.6220% | 3,316 |
| Net operating income to assets | 0.3381% | 4,382 |
| Return on assets (ROA) | 0.3879% | 4,278 |
| Pretax return on assets | 0.4830% | 4,237 |
| Return on Equity (ROE) | 5.0851% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.1459% | 2,315 |
| Net charge-offs to loans | 0.5068% | 3,755 |
| Credit loss provision to net charge-offs | 173.2611% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.9048% | 3,630 |
| Efficiency ratio | 73.8787% | 3,923 |
| Assets per employee ($millions) | 4.5082% | 2,908 |
| Cash dividends to net income (ytd only)* | 18.4697% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 5,925 |
| Loan loss allowance to noncurrent loans | 71.6541% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2992% | 4,487 |
| Noncurrent loans to loans | 1.5270% | 4,358 |
| Net loans and leases to total assets | 70.1246% | 3,229 |
| Net loans and leases to deposits | 92.1204% | 1,879 |
| Net loans and leases to core deposits | 108.0731% | 3,098 |
| Total domestic deposits to total assets | 76.1228% | 6,654 |
| Equity capital to assets | 7.7328% | 6,829 |
| Core capital (leverage) ratio | 7.0281% | 7,213 |
| Tier 1 risk-based capital ratio | 12.5244% | 4,503 |
| Total risk-based capital ratio | 13.7828% | 4,437 |
| Memoranda: | ||
| Average total assets | $488,589,200 | 1,417 |
| Average earning assets | $453,592,400 | 1,391 |
| Average equity | $37,266,000 | 1,800 |
| Average total loans | $346,088,600 | 1,398 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 4,709 |
| Cost of funding earning assets | 2.0721% | 3,024 |
| Net interest margin | 3.3731% | 5,373 |
| Noninterest income to average assets | 0.8338% | 2,266 |
| Noninterest expense to average assets | 3.1009% | 3,645 |
| Loan and lease loss provision to assets | 0.4993% | 3,402 |
| Net operating income to assets | 0.3019% | 4,784 |
| Return on assets (ROA) | 0.3635% | 4,639 |
| Pretax return on assets | 0.4476% | 4,669 |
| Return on Equity (ROE) | 4.7820% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.8544% | 3,138 |
| Net charge-offs to loans | 0.2211% | 4,657 |
| Credit loss provision to net charge-offs | 318.8482% | 1,290 |
| Earnings coverage of net charge-offs (x) | 5.5620% | 2,787 |
| Efficiency ratio | 77.8107% | 3,196 |
| Assets per employee ($millions) | 4.3976% | 3,041 |
| Cash dividends to net income (ytd only)* | 19.3984% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,798 |
| Loan loss allowance to noncurrent loans | 48.9450% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7536% | 3,728 |
| Noncurrent loans to loans | 2.2239% | 3,351 |
| Net loans and leases to total assets | 69.1396% | 3,685 |
| Net loans and leases to deposits | 94.3851% | 1,808 |
| Net loans and leases to core deposits | 111.2454% | 3,096 |
| Total domestic deposits to total assets | 73.2527% | 7,056 |
| Equity capital to assets | 7.7524% | 7,093 |
| Core capital (leverage) ratio | 7.0556% | 7,399 |
| Tier 1 risk-based capital ratio | 12.3322% | 4,677 |
| Total risk-based capital ratio | 13.5866% | 4,622 |
| Memoranda: | ||
| Average total assets | $487,887,000 | 1,428 |
| Average earning assets | $453,896,000 | 1,405 |
| Average equity | $37,082,750 | 1,830 |
| Average total loans | $345,510,000 | 1,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4546% | 4,866 |
| Cost of funding earning assets | 2.1699% | 2,934 |
| Net interest margin | 3.2847% | 5,609 |
| Noninterest income to average assets | 1.0250% | 1,514 |
| Noninterest expense to average assets | 3.0738% | 3,802 |
| Loan and lease loss provision to assets | 0.5651% | 2,759 |
| Net operating income to assets | 0.3640% | 4,641 |
| Return on assets (ROA) | 0.3498% | 4,797 |
| Pretax return on assets | 0.4290% | 4,849 |
| Return on Equity (ROE) | 4.6336% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.7101% | 3,231 |
| Net charge-offs to loans | 0.1954% | 4,316 |
| Credit loss provision to net charge-offs | 406.5282% | 1,141 |
| Earnings coverage of net charge-offs (x) | 7.2760% | 2,465 |
| Efficiency ratio | 74.9899% | 3,878 |
| Assets per employee ($millions) | 4.2898% | 3,134 |
| Cash dividends to net income (ytd only)* | 19.9292% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 6,049 |
| Loan loss allowance to noncurrent loans | 53.5419% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3831% | 4,194 |
| Noncurrent loans to loans | 1.9146% | 3,649 |
| Net loans and leases to total assets | 69.6754% | 3,775 |
| Net loans and leases to deposits | 94.7415% | 1,984 |
| Net loans and leases to core deposits | 110.8850% | 3,274 |
| Total domestic deposits to total assets | 73.5426% | 7,032 |
| Equity capital to assets | 7.4802% | 7,285 |
| Core capital (leverage) ratio | 7.1016% | 7,450 |
| Tier 1 risk-based capital ratio | 12.1870% | 4,768 |
| Total risk-based capital ratio | 13.4325% | 4,681 |
| Memoranda: | ||
| Average total assets | $484,872,000 | 1,460 |
| Average earning assets | $451,726,000 | 1,429 |
| Average equity | $36,602,330 | 1,865 |
| Average total loans | $344,894,000 | 1,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 5,082 |
| Cost of funding earning assets | 2.2473% | 2,928 |
| Net interest margin | 3.2194% | 5,796 |
| Noninterest income to average assets | 0.7731% | 2,463 |
| Noninterest expense to average assets | 3.0343% | 3,610 |
| Loan and lease loss provision to assets | 0.6292% | 2,010 |
| Net operating income to assets | 0.0962% | 5,989 |
| Return on assets (ROA) | 0.3088% | 5,440 |
| Pretax return on assets | 0.3670% | 5,493 |
| Return on Equity (ROE) | 4.0711% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.2042% | 4,086 |
| Net charge-offs to loans | 0.0978% | 4,200 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 10.6310% | 1,939 |
| Efficiency ratio | 80.0397% | 2,816 |
| Assets per employee ($millions) | 4.4367% | 2,819 |
| Cash dividends to net income (ytd only)* | 21.2938% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 6,610 |
| Loan loss allowance to noncurrent loans | 53.7286% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 4,129 |
| Noncurrent loans to loans | 1.7293% | 3,669 |
| Net loans and leases to total assets | 69.8916% | 3,696 |
| Net loans and leases to deposits | 96.9439% | 1,809 |
| Net loans and leases to core deposits | 113.3995% | 3,063 |
| Total domestic deposits to total assets | 72.0949% | 7,196 |
| Equity capital to assets | 7.5168% | 7,342 |
| Core capital (leverage) ratio | 7.3586% | 7,314 |
| Tier 1 risk-based capital ratio | 11.9607% | 4,993 |
| Total risk-based capital ratio | 13.0748% | 5,012 |
| Memoranda: | ||
| Average total assets | $480,645,000 | 1,482 |
| Average earning assets | $448,531,000 | 1,445 |
| Average equity | $36,452,500 | 1,877 |
| Average total loans | $343,697,500 | 1,464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8909% | 6,081 |
| Cost of funding earning assets | 2.9933% | 1,891 |
| Net interest margin | 2.8977% | 7,159 |
| Noninterest income to average assets | 0.4569% | 4,988 |
| Noninterest expense to average assets | 2.7172% | 5,191 |
| Loan and lease loss provision to assets | 0.2271% | 4,618 |
| Net operating income to assets | 0.1990% | 5,848 |
| Return on assets (ROA) | 0.2155% | 5,622 |
| Pretax return on assets | 0.2280% | 5,668 |
| Return on Equity (ROE) | 2.7117% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.6902% | 4,201 |
| Net charge-offs to loans | 0.1147% | 5,114 |
| Credit loss provision to net charge-offs | 268.7003% | 1,717 |
| Earnings coverage of net charge-offs (x) | 5.1777% | 3,733 |
| Efficiency ratio | 85.8869% | 1,862 |
| Assets per employee ($millions) | 4.3819% | 2,826 |
| Cash dividends to net income (ytd only)* | 37.6691% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 7,339 |
| Loan loss allowance to noncurrent loans | 70.2139% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 4,943 |
| Noncurrent loans to loans | 1.0490% | 4,475 |
| Net loans and leases to total assets | 71.9641% | 3,594 |
| Net loans and leases to deposits | 100.0982% | 1,826 |
| Net loans and leases to core deposits | 117.0778% | 2,996 |
| Total domestic deposits to total assets | 71.8935% | 7,021 |
| Equity capital to assets | 7.6535% | 7,255 |
| Core capital (leverage) ratio | 7.5278% | 7,175 |
| Tier 1 risk-based capital ratio | 12.2896% | 4,592 |
| Total risk-based capital ratio | 13.2053% | 4,738 |
| Memoranda: | ||
| Average total assets | $446,041,400 | 1,539 |
| Average earning assets | $415,299,200 | 1,506 |
| Average equity | $35,439,400 | 1,905 |
| Average total loans | $328,772,200 | 1,479 |