Home > Greenfield Co-operative Bank > Performance and Condition Ratios
Greenfield Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0204% | 28 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 298,884.0000% | 5 |
| Cost of funding earning assets | 110.0000% | 24 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.9744% | 2,282 |
| Pretax return on assets | 1.2114% | 2,111 |
| Return on Equity (ROE) | 9.6000% | 2,609 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0018% | 2,748 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0559% | 2,826 |
| Efficiency ratio | 0.9867% | 4,577 |
| Assets per employee ($millions) | 0.1213% | 4,556 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 2,521.0000% | 30 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 51,097.0000% | 15 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $7,240,000 | 4,575 |
| Average earning assets | $4,997 | 4,574 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 3,649 |
| Cost of funding earning assets | 0.6733% | 3,822 |
| Net interest margin | 3.4343% | 2,383 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.2293% | 2,997 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9920% | 2,388 |
| Return on assets (ROA) | 0.9920% | 2,373 |
| Pretax return on assets | 1.2511% | 2,167 |
| Return on Equity (ROE) | 10.0000% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.9697% | 1,412 |
| Net charge-offs to loans | 0.0480% | 1,205 |
| Credit loss provision to net charge-offs | -14.2012% | 4,477 |
| Earnings coverage of net charge-offs (x) | 42.7692% | 1,409 |
| Efficiency ratio | 63.9159% | 2,497 |
| Assets per employee ($millions) | 7.4695% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.2633% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 3,718 |
| Loan loss allowance to noncurrent loans | 304.3631% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,350 |
| Noncurrent loans to loans | 0.2972% | 2,172 |
| Net loans and leases to total assets | 62.2000% | 2,633 |
| Net loans and leases to deposits | 69.9916% | 2,843 |
| Net loans and leases to core deposits | 76.8488% | 2,814 |
| Total domestic deposits to total assets | 88.8600% | 1,300 |
| Equity capital to assets | 9.8487% | 1,913 |
| Core capital (leverage) ratio | 12.3492% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $765,722,000 | 1,217 |
| Average earning assets | $719,268,500 | 1,201 |
| Average equity | $75,988,500 | 1,168 |
| Average total loans | $469,802,250 | 1,294 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,605 |
| Cost of funding earning assets | 0.5637% | 3,847 |
| Net interest margin | 3.4762% | 2,327 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.2097% | 3,045 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.0566% | 2,245 |
| Return on assets (ROA) | 1.0566% | 2,242 |
| Pretax return on assets | 1.3328% | 1,982 |
| Return on Equity (ROE) | 10.6200% | 2,529 |
| Retained earnings to average equity (ytd only) | 10.5785% | 1,265 |
| Net charge-offs to loans | 0.0719% | 848 |
| Credit loss provision to net charge-offs | -45.2381% | 4,527 |
| Earnings coverage of net charge-offs (x) | 30.0119% | 1,550 |
| Efficiency ratio | 62.6905% | 2,627 |
| Assets per employee ($millions) | 7.2823% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.3703% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,765 |
| Loan loss allowance to noncurrent loans | 286.4611% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 2,217 |
| Noncurrent loans to loans | 0.3166% | 2,006 |
| Net loans and leases to total assets | 61.0700% | 2,665 |
| Net loans and leases to deposits | 68.9693% | 2,862 |
| Net loans and leases to core deposits | 75.6533% | 2,777 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 10.0941% | 1,805 |
| Core capital (leverage) ratio | 12.0851% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $766,809,667 | 1,216 |
| Average earning assets | $721,698,667 | 1,195 |
| Average equity | $76,306,000 | 1,161 |
| Average total loans | $467,005,000 | 1,286 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,560 |
| Cost of funding earning assets | 0.4294% | 3,885 |
| Net interest margin | 3.5185% | 2,313 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1550% | 3,241 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 1.1965% | 1,939 |
| Return on assets (ROA) | 1.1965% | 1,896 |
| Pretax return on assets | 1.4846% | 1,707 |
| Return on Equity (ROE) | 12.1100% | 2,190 |
| Retained earnings to average equity (ytd only) | 12.0315% | 1,266 |
| Net charge-offs to loans | 0.1446% | 474 |
| Credit loss provision to net charge-offs | -88.0952% | 4,588 |
| Earnings coverage of net charge-offs (x) | 16.0833% | 1,526 |
| Efficiency ratio | 60.4913% | 2,893 |
| Assets per employee ($millions) | 7.7054% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.6530% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,664 |
| Loan loss allowance to noncurrent loans | 350.6260% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,341 |
| Noncurrent loans to loans | 0.2745% | 2,163 |
| Net loans and leases to total assets | 59.8300% | 2,673 |
| Net loans and leases to deposits | 67.5931% | 2,807 |
| Net loans and leases to core deposits | 73.2676% | 2,735 |
| Total domestic deposits to total assets | 88.5200% | 1,728 |
| Equity capital to assets | 10.0955% | 1,771 |
| Core capital (leverage) ratio | 11.7945% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $767,895,500 | 1,227 |
| Average earning assets | $722,807,000 | 1,208 |
| Average equity | $75,867,500 | 1,174 |
| Average total loans | $464,884,500 | 1,301 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0521% | 4,071 |
| Cost of funding earning assets | 0.2351% | 3,461 |
| Net interest margin | 2.8170% | 3,857 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.9583% | 3,686 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7066% | 3,602 |
| Return on assets (ROA) | 0.7066% | 3,547 |
| Pretax return on assets | 0.9480% | 3,224 |
| Return on Equity (ROE) | 7.3600% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.3417% | 2,089 |
| Net charge-offs to loans | -0.0070% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0594% | 2,084 |
| Assets per employee ($millions) | 7.8087% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.2656% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,182 |
| Loan loss allowance to noncurrent loans | 291.4338% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 2,087 |
| Noncurrent loans to loans | 0.3545% | 1,874 |
| Net loans and leases to total assets | 60.0400% | 2,631 |
| Net loans and leases to deposits | 67.5815% | 2,761 |
| Net loans and leases to core deposits | 71.9139% | 2,732 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 9.6629% | 1,908 |
| Core capital (leverage) ratio | 11.3321% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $799,223,200 | 1,187 |
| Average earning assets | $756,587,800 | 1,163 |
| Average equity | $76,712,800 | 1,166 |
| Average total loans | $468,168,800 | 1,234 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 4,125 |
| Cost of funding earning assets | 0.2265% | 2,970 |
| Net interest margin | 2.6249% | 4,065 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9100% | 3,731 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6114% | 3,806 |
| Return on assets (ROA) | 0.6114% | 3,759 |
| Pretax return on assets | 0.8131% | 3,550 |
| Return on Equity (ROE) | 6.3800% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.3543% | 2,614 |
| Net charge-offs to loans | -0.0094% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.7552% | 1,789 |
| Assets per employee ($millions) | 7.6677% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.4050% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,403 |
| Loan loss allowance to noncurrent loans | 249.7125% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,000 |
| Noncurrent loans to loans | 0.4063% | 1,801 |
| Net loans and leases to total assets | 59.5900% | 2,554 |
| Net loans and leases to deposits | 66.6358% | 2,662 |
| Net loans and leases to core deposits | 70.8537% | 2,579 |
| Total domestic deposits to total assets | 89.4200% | 1,910 |
| Equity capital to assets | 9.1616% | 2,111 |
| Core capital (leverage) ratio | 10.7783% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $807,716,500 | 1,182 |
| Average earning assets | $765,979,500 | 1,160 |
| Average equity | $77,404,750 | 1,178 |
| Average total loans | $469,145,000 | 1,229 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6586% | 4,204 |
| Cost of funding earning assets | 0.2304% | 2,500 |
| Net interest margin | 2.4282% | 4,191 |
| Noninterest income to average assets | 0.2453% | 3,700 |
| Noninterest expense to average assets | 1.8553% | 3,821 |
| Loan and lease loss provision to assets | 0.0186% | 2,268 |
| Net operating income to assets | 0.5168% | 3,854 |
| Return on assets (ROA) | 0.5168% | 3,808 |
| Pretax return on assets | 0.6777% | 3,633 |
| Return on Equity (ROE) | 5.3176% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.2797% | 2,595 |
| Net charge-offs to loans | -0.0043% | 3,292 |
| Credit loss provision to net charge-offs | -760.0000% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7098% | 1,666 |
| Assets per employee ($millions) | 7.9208% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.7112% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,576 |
| Loan loss allowance to noncurrent loans | 209.1350% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,920 |
| Noncurrent loans to loans | 0.4801% | 1,676 |
| Net loans and leases to total assets | 57.2738% | 2,602 |
| Net loans and leases to deposits | 64.1655% | 2,704 |
| Net loans and leases to core deposits | 68.3223% | 2,622 |
| Total domestic deposits to total assets | 89.2595% | 2,066 |
| Equity capital to assets | 9.2730% | 2,187 |
| Core capital (leverage) ratio | 10.4576% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $816,254,000 | 1,174 |
| Average earning assets | $775,306,667 | 1,161 |
| Average equity | $79,322,000 | 1,170 |
| Average total loans | $468,586,667 | 1,228 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5668% | 4,179 |
| Cost of funding earning assets | 0.2326% | 2,354 |
| Net interest margin | 2.3343% | 4,181 |
| Noninterest income to average assets | 0.2249% | 3,814 |
| Noninterest expense to average assets | 1.8205% | 3,890 |
| Loan and lease loss provision to assets | 0.0323% | 1,785 |
| Net operating income to assets | 0.4586% | 3,821 |
| Return on assets (ROA) | 0.4586% | 3,784 |
| Pretax return on assets | 0.5899% | 3,663 |
| Return on Equity (ROE) | 4.6133% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.5394% | 2,761 |
| Net charge-offs to loans | 0.0514% | 777 |
| Credit loss provision to net charge-offs | 110.0000% | 964 |
| Earnings coverage of net charge-offs (x) | 21.1667% | 1,263 |
| Efficiency ratio | 74.5287% | 1,687 |
| Assets per employee ($millions) | 8.2536% | 1,228 |
| Cash dividends to net income (ytd only)* | 1.6026% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,763 |
| Loan loss allowance to noncurrent loans | 182.0633% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 1,878 |
| Noncurrent loans to loans | 0.5452% | 1,676 |
| Net loans and leases to total assets | 56.3031% | 2,504 |
| Net loans and leases to deposits | 63.2745% | 2,593 |
| Net loans and leases to core deposits | 67.5309% | 2,492 |
| Total domestic deposits to total assets | 88.9823% | 2,090 |
| Equity capital to assets | 9.5145% | 2,268 |
| Core capital (leverage) ratio | 10.4722% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $816,461,500 | 1,175 |
| Average earning assets | $775,739,000 | 1,160 |
| Average equity | $81,156,500 | 1,182 |
| Average total loans | $466,879,500 | 1,225 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6689% | 4,344 |
| Cost of funding earning assets | 0.3033% | 2,380 |
| Net interest margin | 2.3656% | 4,356 |
| Noninterest income to average assets | 0.2711% | 3,768 |
| Noninterest expense to average assets | 1.9561% | 3,804 |
| Loan and lease loss provision to assets | 0.0251% | 2,561 |
| Net operating income to assets | 0.4210% | 4,239 |
| Return on assets (ROA) | 0.4210% | 4,278 |
| Pretax return on assets | 0.5360% | 4,201 |
| Return on Equity (ROE) | 3.9718% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.9538% | 3,235 |
| Net charge-offs to loans | -0.0089% | 3,700 |
| Credit loss provision to net charge-offs | -482.9268% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7077% | 972 |
| Assets per employee ($millions) | 7.6911% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.4522% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,744 |
| Loan loss allowance to noncurrent loans | 127.1585% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 1,458 |
| Noncurrent loans to loans | 0.7881% | 1,291 |
| Net loans and leases to total assets | 56.9297% | 2,486 |
| Net loans and leases to deposits | 64.7121% | 2,622 |
| Net loans and leases to core deposits | 69.2260% | 2,529 |
| Total domestic deposits to total assets | 87.9738% | 2,057 |
| Equity capital to assets | 10.3749% | 2,299 |
| Core capital (leverage) ratio | 10.4747% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $787,857,600 | 1,178 |
| Average earning assets | $748,066,200 | 1,154 |
| Average equity | $83,514,800 | 1,163 |
| Average total loans | $459,327,400 | 1,241 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6878% | 4,417 |
| Cost of funding earning assets | 0.3173% | 2,436 |
| Net interest margin | 2.3705% | 4,427 |
| Noninterest income to average assets | 0.2759% | 3,772 |
| Noninterest expense to average assets | 1.9664% | 3,775 |
| Loan and lease loss provision to assets | 0.0225% | 2,544 |
| Net operating income to assets | 0.4217% | 4,341 |
| Return on assets (ROA) | 0.4217% | 4,370 |
| Pretax return on assets | 0.5363% | 4,322 |
| Return on Equity (ROE) | 3.9561% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.9321% | 3,598 |
| Net charge-offs to loans | -0.0111% | 3,713 |
| Credit loss provision to net charge-offs | -347.3684% | 3,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8729% | 885 |
| Assets per employee ($millions) | 7.7743% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.6058% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,873 |
| Loan loss allowance to noncurrent loans | 118.2053% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 1,585 |
| Noncurrent loans to loans | 0.8399% | 1,360 |
| Net loans and leases to total assets | 56.5410% | 2,668 |
| Net loans and leases to deposits | 64.2890% | 2,818 |
| Net loans and leases to core deposits | 68.9540% | 2,692 |
| Total domestic deposits to total assets | 87.9481% | 1,878 |
| Equity capital to assets | 10.4085% | 2,524 |
| Core capital (leverage) ratio | 10.4745% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $782,931,250 | 1,189 |
| Average earning assets | $742,885,500 | 1,169 |
| Average equity | $83,447,500 | 1,184 |
| Average total loans | $458,060,000 | 1,264 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7031% | 4,449 |
| Cost of funding earning assets | 0.3318% | 2,474 |
| Net interest margin | 2.3713% | 4,447 |
| Noninterest income to average assets | 0.2709% | 3,780 |
| Noninterest expense to average assets | 1.9835% | 3,752 |
| Loan and lease loss provision to assets | 0.0170% | 2,614 |
| Net operating income to assets | 0.4099% | 4,367 |
| Return on assets (ROA) | 0.4099% | 4,406 |
| Pretax return on assets | 0.5189% | 4,361 |
| Return on Equity (ROE) | 3.8144% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.7783% | 3,587 |
| Net charge-offs to loans | -0.0162% | 3,894 |
| Credit loss provision to net charge-offs | -178.3784% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7289% | 869 |
| Assets per employee ($millions) | 7.6847% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.9452% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,850 |
| Loan loss allowance to noncurrent loans | 94.9748% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 1,406 |
| Noncurrent loans to loans | 1.0433% | 1,176 |
| Net loans and leases to total assets | 56.4757% | 2,842 |
| Net loans and leases to deposits | 64.2312% | 2,975 |
| Net loans and leases to core deposits | 68.9616% | 2,869 |
| Total domestic deposits to total assets | 87.9256% | 1,872 |
| Equity capital to assets | 10.4713% | 2,416 |
| Core capital (leverage) ratio | 10.5266% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $774,400,667 | 1,194 |
| Average earning assets | $734,276,333 | 1,174 |
| Average equity | $83,211,667 | 1,182 |
| Average total loans | $456,836,333 | 1,274 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7711% | 4,402 |
| Cost of funding earning assets | 0.3571% | 2,470 |
| Net interest margin | 2.4140% | 4,401 |
| Noninterest income to average assets | 0.2719% | 3,773 |
| Noninterest expense to average assets | 2.0158% | 3,673 |
| Loan and lease loss provision to assets | 0.0115% | 2,629 |
| Net operating income to assets | 0.4194% | 4,328 |
| Return on assets (ROA) | 0.4194% | 4,358 |
| Pretax return on assets | 0.5302% | 4,301 |
| Return on Equity (ROE) | 3.8518% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.7795% | 3,569 |
| Net charge-offs to loans | -0.0105% | 3,684 |
| Credit loss provision to net charge-offs | -183.3333% | 2,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8177% | 909 |
| Assets per employee ($millions) | 7.6862% | 1,351 |
| Cash dividends to net income (ytd only)* | 1.8773% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,962 |
| Loan loss allowance to noncurrent loans | 95.7589% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 1,609 |
| Noncurrent loans to loans | 1.0139% | 1,318 |
| Net loans and leases to total assets | 57.8697% | 2,815 |
| Net loans and leases to deposits | 66.3579% | 2,884 |
| Net loans and leases to core deposits | 72.3230% | 2,671 |
| Total domestic deposits to total assets | 87.2085% | 2,222 |
| Equity capital to assets | 10.5556% | 2,211 |
| Core capital (leverage) ratio | 10.8853% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,998,000 | 1,197 |
| Average earning assets | $721,449,500 | 1,181 |
| Average equity | $82,974,000 | 1,175 |
| Average total loans | $457,317,500 | 1,271 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0530% | 4,600 |
| Cost of funding earning assets | 0.6271% | 2,138 |
| Net interest margin | 2.4259% | 4,640 |
| Noninterest income to average assets | 0.4525% | 2,860 |
| Noninterest expense to average assets | 1.9560% | 4,221 |
| Loan and lease loss provision to assets | 0.2937% | 1,287 |
| Net operating income to assets | 0.4415% | 4,160 |
| Return on assets (ROA) | 0.4415% | 4,241 |
| Pretax return on assets | 0.4924% | 4,285 |
| Return on Equity (ROE) | 3.8755% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.8631% | 2,890 |
| Net charge-offs to loans | 0.3651% | 477 |
| Credit loss provision to net charge-offs | 127.0631% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3.4005% | 3,090 |
| Efficiency ratio | 71.3321% | 1,768 |
| Assets per employee ($millions) | 7.3268% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.3178% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,983 |
| Loan loss allowance to noncurrent loans | 102.8185% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 1,821 |
| Noncurrent loans to loans | 0.9404% | 1,499 |
| Net loans and leases to total assets | 61.0914% | 2,717 |
| Net loans and leases to deposits | 70.7903% | 2,796 |
| Net loans and leases to core deposits | 76.2773% | 2,710 |
| Total domestic deposits to total assets | 86.2992% | 2,233 |
| Equity capital to assets | 11.2422% | 2,061 |
| Core capital (leverage) ratio | 11.0750% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $712,870,600 | 1,159 |
| Average earning assets | $672,809,000 | 1,146 |
| Average equity | $81,203,400 | 1,145 |
| Average total loans | $451,336,600 | 1,222 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0707% | 4,686 |
| Cost of funding earning assets | 0.6872% | 2,107 |
| Net interest margin | 2.3835% | 4,738 |
| Noninterest income to average assets | 0.3250% | 3,542 |
| Noninterest expense to average assets | 1.9663% | 4,221 |
| Loan and lease loss provision to assets | 0.3682% | 1,009 |
| Net operating income to assets | 0.2219% | 4,558 |
| Return on assets (ROA) | 0.2219% | 4,600 |
| Pretax return on assets | 0.2402% | 4,614 |
| Return on Equity (ROE) | 1.9412% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.9246% | 3,955 |
| Net charge-offs to loans | 0.3591% | 440 |
| Credit loss provision to net charge-offs | 160.8911% | 2,263 |
| Earnings coverage of net charge-offs (x) | 2.6584% | 2,972 |
| Efficiency ratio | 76.3696% | 1,174 |
| Assets per employee ($millions) | 7.3975% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.8511% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,565 |
| Loan loss allowance to noncurrent loans | 78.9200% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 1,414 |
| Noncurrent loans to loans | 1.3050% | 1,133 |
| Net loans and leases to total assets | 61.7510% | 3,038 |
| Net loans and leases to deposits | 71.6287% | 3,168 |
| Net loans and leases to core deposits | 77.4552% | 3,058 |
| Total domestic deposits to total assets | 86.2099% | 1,979 |
| Equity capital to assets | 11.1495% | 2,283 |
| Core capital (leverage) ratio | 10.7773% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $706,086,500 | 1,151 |
| Average earning assets | $666,447,250 | 1,133 |
| Average equity | $80,706,000 | 1,141 |
| Average total loans | $450,047,000 | 1,223 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0873% | 4,792 |
| Cost of funding earning assets | 0.7324% | 2,220 |
| Net interest margin | 2.3550% | 4,814 |
| Noninterest income to average assets | 0.3003% | 3,671 |
| Noninterest expense to average assets | 1.9632% | 4,304 |
| Loan and lease loss provision to assets | 0.2639% | 1,610 |
| Net operating income to assets | 0.2607% | 4,485 |
| Return on assets (ROA) | 0.2607% | 4,529 |
| Pretax return on assets | 0.2931% | 4,546 |
| Return on Equity (ROE) | 2.2615% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.2366% | 3,666 |
| Net charge-offs to loans | 0.0040% | 2,837 |
| Credit loss provision to net charge-offs | 10,222.2222% | 118 |
| Earnings coverage of net charge-offs (x) | 215.7778% | 418 |
| Efficiency ratio | 77.8992% | 1,067 |
| Assets per employee ($millions) | 7.2095% | 1,325 |
| Cash dividends to net income (ytd only)* | 1.1001% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,420 |
| Loan loss allowance to noncurrent loans | 56.8797% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 958 |
| Noncurrent loans to loans | 1.8085% | 778 |
| Net loans and leases to total assets | 63.2015% | 2,981 |
| Net loans and leases to deposits | 73.6943% | 3,105 |
| Net loans and leases to core deposits | 79.7435% | 2,972 |
| Total domestic deposits to total assets | 85.7617% | 2,108 |
| Equity capital to assets | 10.9864% | 2,355 |
| Core capital (leverage) ratio | 11.0408% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $697,332,333 | 1,151 |
| Average earning assets | $657,335,333 | 1,128 |
| Average equity | $80,390,333 | 1,131 |
| Average total loans | $447,749,667 | 1,212 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 4,584 |
| Cost of funding earning assets | 0.7837% | 2,485 |
| Net interest margin | 2.7658% | 4,605 |
| Noninterest income to average assets | 0.3201% | 3,605 |
| Noninterest expense to average assets | 2.0382% | 4,329 |
| Loan and lease loss provision to assets | 0.2371% | 1,308 |
| Net operating income to assets | 0.5211% | 3,839 |
| Return on assets (ROA) | 0.5211% | 3,896 |
| Pretax return on assets | 0.6432% | 3,832 |
| Return on Equity (ROE) | 4.4063% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.3562% | 2,552 |
| Net charge-offs to loans | 0.0083% | 2,264 |
| Credit loss provision to net charge-offs | 4,444.4444% | 185 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 398 |
| Efficiency ratio | 69.8355% | 2,382 |
| Assets per employee ($millions) | 6.9986% | 1,090 |
| Cash dividends to net income (ytd only)* | 1.1377% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,739 |
| Loan loss allowance to noncurrent loans | 52.1911% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2177% | 1,008 |
| Noncurrent loans to loans | 1.9082% | 770 |
| Net loans and leases to total assets | 63.1792% | 3,168 |
| Net loans and leases to deposits | 74.8691% | 3,181 |
| Net loans and leases to core deposits | 81.6078% | 3,050 |
| Total domestic deposits to total assets | 84.3862% | 2,639 |
| Equity capital to assets | 11.8360% | 2,191 |
| Core capital (leverage) ratio | 11.7977% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $674,707,500 | 1,150 |
| Average earning assets | $633,890,000 | 1,135 |
| Average equity | $79,794,000 | 1,140 |
| Average total loans | $434,524,000 | 1,214 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,639 |
| Cost of funding earning assets | 0.7329% | 3,007 |
| Net interest margin | 3.0057% | 4,507 |
| Noninterest income to average assets | 0.3490% | 3,615 |
| Noninterest expense to average assets | 2.2181% | 4,128 |
| Loan and lease loss provision to assets | 0.0639% | 2,753 |
| Net operating income to assets | 0.6917% | 3,888 |
| Return on assets (ROA) | 0.7129% | 3,892 |
| Pretax return on assets | 0.9111% | 3,708 |
| Return on Equity (ROE) | 6.0736% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.0205% | 1,857 |
| Net charge-offs to loans | 0.0580% | 2,270 |
| Credit loss provision to net charge-offs | 164.6586% | 1,575 |
| Earnings coverage of net charge-offs (x) | 24.4337% | 1,774 |
| Efficiency ratio | 70.0532% | 2,166 |
| Assets per employee ($millions) | 7.1349% | 991 |
| Cash dividends to net income (ytd only)* | 0.8745% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 3,878 |
| Loan loss allowance to noncurrent loans | 100.8386% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 2,121 |
| Noncurrent loans to loans | 0.9122% | 1,686 |
| Net loans and leases to total assets | 64.4107% | 3,143 |
| Net loans and leases to deposits | 75.8533% | 3,198 |
| Net loans and leases to core deposits | 82.9481% | 3,045 |
| Total domestic deposits to total assets | 84.9149% | 2,525 |
| Equity capital to assets | 11.8166% | 2,268 |
| Core capital (leverage) ratio | 11.9434% | 1,814 |
| Tier 1 risk-based capital ratio | 20.9279% | 1,178 |
| Total risk-based capital ratio | 21.9924% | 1,177 |
| Memoranda: | ||
| Average total assets | $641,633,000 | 1,166 |
| Average earning assets | $601,415,800 | 1,146 |
| Average equity | $75,309,600 | 1,144 |
| Average total loans | $429,088,600 | 1,201 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,704 |
| Cost of funding earning assets | 0.7112% | 3,155 |
| Net interest margin | 3.0595% | 4,542 |
| Noninterest income to average assets | 0.3460% | 3,654 |
| Noninterest expense to average assets | 2.2575% | 4,058 |
| Loan and lease loss provision to assets | 0.0859% | 2,199 |
| Net operating income to assets | 0.6820% | 4,066 |
| Return on assets (ROA) | 0.7105% | 4,050 |
| Pretax return on assets | 0.9056% | 3,862 |
| Return on Equity (ROE) | 6.0641% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.9926% | 2,375 |
| Net charge-offs to loans | 0.0769% | 1,727 |
| Credit loss provision to net charge-offs | 165.9919% | 1,519 |
| Earnings coverage of net charge-offs (x) | 18.4572% | 2,051 |
| Efficiency ratio | 70.2609% | 2,080 |
| Assets per employee ($millions) | 6.8426% | 1,095 |
| Cash dividends to net income (ytd only)* | 1.1799% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 3,950 |
| Loan loss allowance to noncurrent loans | 120.8524% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 2,377 |
| Noncurrent loans to loans | 0.7646% | 2,060 |
| Net loans and leases to total assets | 64.7977% | 3,206 |
| Net loans and leases to deposits | 76.5666% | 3,244 |
| Net loans and leases to core deposits | 81.9294% | 3,255 |
| Total domestic deposits to total assets | 84.6292% | 2,568 |
| Equity capital to assets | 11.7703% | 2,435 |
| Core capital (leverage) ratio | 11.8244% | 1,984 |
| Tier 1 risk-based capital ratio | 21.5422% | 1,129 |
| Total risk-based capital ratio | 22.6556% | 1,113 |
| Memoranda: | ||
| Average total assets | $636,154,250 | 1,172 |
| Average earning assets | $596,119,750 | 1,154 |
| Average equity | $74,534,750 | 1,153 |
| Average total loans | $428,519,750 | 1,209 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 4,744 |
| Cost of funding earning assets | 0.6747% | 3,300 |
| Net interest margin | 3.0998% | 4,534 |
| Noninterest income to average assets | 0.3560% | 3,549 |
| Noninterest expense to average assets | 2.3485% | 3,871 |
| Loan and lease loss provision to assets | 0.1303% | 1,436 |
| Net operating income to assets | 0.6192% | 4,255 |
| Return on assets (ROA) | 0.6192% | 4,299 |
| Pretax return on assets | 0.7800% | 4,139 |
| Return on Equity (ROE) | 5.2930% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.1843% | 2,676 |
| Net charge-offs to loans | 0.1093% | 1,314 |
| Credit loss provision to net charge-offs | 175.2137% | 1,335 |
| Earnings coverage of net charge-offs (x) | 12.2393% | 2,165 |
| Efficiency ratio | 72.0667% | 1,912 |
| Assets per employee ($millions) | 6.6001% | 1,190 |
| Cash dividends to net income (ytd only)* | 2.0534% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 3,938 |
| Loan loss allowance to noncurrent loans | 157.0809% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 2,764 |
| Noncurrent loans to loans | 0.5958% | 2,486 |
| Net loans and leases to total assets | 65.1685% | 3,209 |
| Net loans and leases to deposits | 77.2322% | 3,224 |
| Net loans and leases to core deposits | 81.7569% | 3,282 |
| Total domestic deposits to total assets | 84.3799% | 2,732 |
| Equity capital to assets | 11.7100% | 2,433 |
| Core capital (leverage) ratio | 11.8997% | 1,888 |
| Tier 1 risk-based capital ratio | 21.2090% | 1,154 |
| Total risk-based capital ratio | 22.3299% | 1,153 |
| Memoranda: | ||
| Average total assets | $629,243,000 | 1,177 |
| Average earning assets | $589,272,000 | 1,165 |
| Average equity | $73,607,000 | 1,161 |
| Average total loans | $428,153,670 | 1,213 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 4,748 |
| Cost of funding earning assets | 0.6278% | 3,421 |
| Net interest margin | 3.1444% | 4,506 |
| Noninterest income to average assets | 0.3681% | 3,386 |
| Noninterest expense to average assets | 2.5813% | 3,267 |
| Loan and lease loss provision to assets | 0.1025% | 1,720 |
| Net operating income to assets | 0.5087% | 4,497 |
| Return on assets (ROA) | 0.5087% | 4,518 |
| Pretax return on assets | 0.6260% | 4,467 |
| Return on Equity (ROE) | 4.3507% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.1301% | 3,264 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9899% | 1,266 |
| Assets per employee ($millions) | 6.6328% | 1,180 |
| Cash dividends to net income (ytd only)* | 5.0697% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,077 |
| Loan loss allowance to noncurrent loans | 121.9932% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 2,560 |
| Noncurrent loans to loans | 0.7540% | 2,144 |
| Net loans and leases to total assets | 67.8009% | 2,780 |
| Net loans and leases to deposits | 80.4971% | 2,785 |
| Net loans and leases to core deposits | 85.3036% | 2,930 |
| Total domestic deposits to total assets | 84.2277% | 2,971 |
| Equity capital to assets | 11.6452% | 2,276 |
| Core capital (leverage) ratio | 11.9703% | 1,794 |
| Tier 1 risk-based capital ratio | 20.3363% | 1,274 |
| Total risk-based capital ratio | 21.4238% | 1,277 |
| Memoranda: | ||
| Average total assets | $620,460,500 | 1,193 |
| Average earning assets | $580,468,500 | 1,186 |
| Average equity | $72,540,000 | 1,173 |
| Average total loans | $429,482,000 | 1,212 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,825 |
| Cost of funding earning assets | 0.5243% | 3,209 |
| Net interest margin | 3.0535% | 4,725 |
| Noninterest income to average assets | 0.3775% | 3,571 |
| Noninterest expense to average assets | 2.1368% | 4,481 |
| Loan and lease loss provision to assets | 0.0912% | 2,325 |
| Net operating income to assets | 0.7803% | 3,877 |
| Return on assets (ROA) | 0.7803% | 3,879 |
| Pretax return on assets | 1.0034% | 3,586 |
| Return on Equity (ROE) | 6.9209% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.9209% | 1,710 |
| Net charge-offs to loans | 0.0036% | 3,601 |
| Credit loss provision to net charge-offs | 3,706.6667% | 137 |
| Earnings coverage of net charge-offs (x) | 444.9333% | 238 |
| Efficiency ratio | 66.1270% | 2,856 |
| Assets per employee ($millions) | 6.3626% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,208 |
| Loan loss allowance to noncurrent loans | 111.1533% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 2,366 |
| Noncurrent loans to loans | 0.8007% | 2,004 |
| Net loans and leases to total assets | 69.4112% | 2,674 |
| Net loans and leases to deposits | 82.2600% | 2,701 |
| Net loans and leases to core deposits | 86.7655% | 2,859 |
| Total domestic deposits to total assets | 84.3802% | 2,877 |
| Equity capital to assets | 11.7389% | 2,072 |
| Core capital (leverage) ratio | 11.9630% | 1,762 |
| Tier 1 risk-based capital ratio | 20.2032% | 1,272 |
| Total risk-based capital ratio | 21.2512% | 1,282 |
| Memoranda: | ||
| Average total assets | $609,734,200 | 1,183 |
| Average earning assets | $569,868,600 | 1,185 |
| Average equity | $68,747,800 | 1,178 |
| Average total loans | $413,662,600 | 1,219 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,904 |
| Cost of funding earning assets | 0.5095% | 3,132 |
| Net interest margin | 3.0188% | 4,823 |
| Noninterest income to average assets | 0.3704% | 3,656 |
| Noninterest expense to average assets | 2.1170% | 4,513 |
| Loan and lease loss provision to assets | 0.1155% | 1,753 |
| Net operating income to assets | 0.7477% | 4,079 |
| Return on assets (ROA) | 0.7477% | 4,092 |
| Pretax return on assets | 0.9599% | 3,852 |
| Return on Equity (ROE) | 6.7009% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.7009% | 2,278 |
| Net charge-offs to loans | 0.0049% | 3,267 |
| Credit loss provision to net charge-offs | 3,520.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 327.7250% | 289 |
| Efficiency ratio | 66.3126% | 2,812 |
| Assets per employee ($millions) | 6.5745% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,258 |
| Loan loss allowance to noncurrent loans | 141.1655% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,932 |
| Noncurrent loans to loans | 0.6380% | 2,488 |
| Net loans and leases to total assets | 68.0097% | 2,935 |
| Net loans and leases to deposits | 79.8453% | 3,065 |
| Net loans and leases to core deposits | 83.9998% | 3,155 |
| Total domestic deposits to total assets | 85.1769% | 2,534 |
| Equity capital to assets | 11.2822% | 2,406 |
| Core capital (leverage) ratio | 11.5935% | 2,094 |
| Tier 1 risk-based capital ratio | 20.2233% | 1,293 |
| Total risk-based capital ratio | 21.2844% | 1,296 |
| Memoranda: | ||
| Average total assets | $609,465,750 | 1,190 |
| Average earning assets | $569,741,500 | 1,183 |
| Average equity | $68,009,250 | 1,185 |
| Average total loans | $410,134,250 | 1,229 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 4,971 |
| Cost of funding earning assets | 0.4917% | 3,070 |
| Net interest margin | 2.9651% | 4,923 |
| Noninterest income to average assets | 0.3663% | 3,706 |
| Noninterest expense to average assets | 2.0998% | 4,606 |
| Loan and lease loss provision to assets | 0.1518% | 1,251 |
| Net operating income to assets | 0.6915% | 4,217 |
| Return on assets (ROA) | 0.6915% | 4,222 |
| Pretax return on assets | 0.8863% | 4,002 |
| Return on Equity (ROE) | 6.2200% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.2200% | 2,452 |
| Net charge-offs to loans | 0.0069% | 2,888 |
| Credit loss provision to net charge-offs | 3,300.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 225.7143% | 393 |
| Efficiency ratio | 66.9179% | 2,840 |
| Assets per employee ($millions) | 6.3496% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,370 |
| Loan loss allowance to noncurrent loans | 127.4099% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,860 |
| Noncurrent loans to loans | 0.7010% | 2,358 |
| Net loans and leases to total assets | 66.9165% | 3,026 |
| Net loans and leases to deposits | 78.0046% | 3,157 |
| Net loans and leases to core deposits | 81.8172% | 3,261 |
| Total domestic deposits to total assets | 85.7854% | 2,383 |
| Equity capital to assets | 11.0609% | 2,578 |
| Core capital (leverage) ratio | 11.5777% | 2,004 |
| Tier 1 risk-based capital ratio | 19.9588% | 1,324 |
| Total risk-based capital ratio | 21.0076% | 1,340 |
| Memoranda: | ||
| Average total assets | $608,811,000 | 1,191 |
| Average earning assets | $569,095,000 | 1,184 |
| Average equity | $67,684,670 | 1,190 |
| Average total loans | $406,975,330 | 1,242 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 4,995 |
| Cost of funding earning assets | 0.4791% | 2,973 |
| Net interest margin | 2.9385% | 4,972 |
| Noninterest income to average assets | 0.3793% | 3,593 |
| Noninterest expense to average assets | 2.0480% | 4,760 |
| Loan and lease loss provision to assets | 0.2016% | 829 |
| Net operating income to assets | 0.6800% | 4,173 |
| Return on assets (ROA) | 0.6800% | 4,177 |
| Pretax return on assets | 0.8776% | 3,918 |
| Return on Equity (ROE) | 6.1010% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.1010% | 2,662 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4903% | 3,249 |
| Assets per employee ($millions) | 6.5627% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,547 |
| Loan loss allowance to noncurrent loans | 111.2808% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,751 |
| Noncurrent loans to loans | 0.7877% | 2,241 |
| Net loans and leases to total assets | 66.8850% | 2,909 |
| Net loans and leases to deposits | 78.0398% | 3,014 |
| Net loans and leases to core deposits | 81.8382% | 3,151 |
| Total domestic deposits to total assets | 85.7063% | 2,673 |
| Equity capital to assets | 11.1682% | 2,410 |
| Core capital (leverage) ratio | 11.4808% | 2,026 |
| Tier 1 risk-based capital ratio | 19.5264% | 1,432 |
| Total risk-based capital ratio | 20.5321% | 1,444 |
| Memoranda: | ||
| Average total assets | $605,262,000 | 1,207 |
| Average earning assets | $566,004,500 | 1,196 |
| Average equity | $67,464,500 | 1,205 |
| Average total loans | $402,533,500 | 1,254 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 5,119 |
| Cost of funding earning assets | 0.4685% | 2,612 |
| Net interest margin | 2.8030% | 5,164 |
| Noninterest income to average assets | 0.3849% | 3,731 |
| Noninterest expense to average assets | 2.0924% | 4,781 |
| Loan and lease loss provision to assets | 0.1330% | 1,727 |
| Net operating income to assets | 0.3933% | 4,717 |
| Return on assets (ROA) | 0.3995% | 4,712 |
| Pretax return on assets | 0.7830% | 4,298 |
| Return on Equity (ROE) | 3.5192% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.4595% | 3,208 |
| Net charge-offs to loans | 0.0734% | 2,396 |
| Credit loss provision to net charge-offs | 278.3688% | 1,008 |
| Earnings coverage of net charge-offs (x) | 18.9716% | 2,048 |
| Efficiency ratio | 69.7757% | 2,599 |
| Assets per employee ($millions) | 6.5952% | 1,153 |
| Cash dividends to net income (ytd only)* | 1.6964% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,769 |
| Loan loss allowance to noncurrent loans | 118.7636% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 3,053 |
| Noncurrent loans to loans | 0.6915% | 2,485 |
| Net loans and leases to total assets | 65.0014% | 3,227 |
| Net loans and leases to deposits | 76.0408% | 3,325 |
| Net loans and leases to core deposits | 79.7346% | 3,446 |
| Total domestic deposits to total assets | 85.4823% | 2,660 |
| Equity capital to assets | 11.1246% | 2,516 |
| Core capital (leverage) ratio | 11.3901% | 2,022 |
| Tier 1 risk-based capital ratio | 19.7341% | 1,372 |
| Total risk-based capital ratio | 20.6768% | 1,403 |
| Memoranda: | ||
| Average total assets | $590,284,000 | 1,214 |
| Average earning assets | $550,449,800 | 1,207 |
| Average equity | $67,004,600 | 1,192 |
| Average total loans | $384,343,000 | 1,274 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 5,177 |
| Cost of funding earning assets | 0.4673% | 2,544 |
| Net interest margin | 2.7769% | 5,255 |
| Noninterest income to average assets | 0.3874% | 3,771 |
| Noninterest expense to average assets | 2.0936% | 4,752 |
| Loan and lease loss provision to assets | 0.1467% | 1,430 |
| Net operating income to assets | 0.5038% | 4,719 |
| Return on assets (ROA) | 0.5127% | 4,724 |
| Pretax return on assets | 0.7483% | 4,492 |
| Return on Equity (ROE) | 4.4934% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.4137% | 3,272 |
| Net charge-offs to loans | 0.0966% | 1,811 |
| Credit loss provision to net charge-offs | 233.6957% | 1,194 |
| Earnings coverage of net charge-offs (x) | 14.0508% | 2,321 |
| Efficiency ratio | 70.3562% | 2,480 |
| Assets per employee ($millions) | 6.6813% | 1,083 |
| Cash dividends to net income (ytd only)* | 1.7746% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 4,887 |
| Loan loss allowance to noncurrent loans | 116.6480% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 3,223 |
| Noncurrent loans to loans | 0.6872% | 2,646 |
| Net loans and leases to total assets | 65.1827% | 3,218 |
| Net loans and leases to deposits | 76.6227% | 3,312 |
| Net loans and leases to core deposits | 80.5228% | 3,410 |
| Total domestic deposits to total assets | 85.0698% | 2,687 |
| Equity capital to assets | 11.4523% | 2,418 |
| Core capital (leverage) ratio | 11.4955% | 2,021 |
| Tier 1 risk-based capital ratio | 20.0128% | 1,360 |
| Total risk-based capital ratio | 20.9313% | 1,399 |
| Memoranda: | ||
| Average total assets | $586,166,000 | 1,232 |
| Average earning assets | $546,341,750 | 1,222 |
| Average equity | $66,881,000 | 1,199 |
| Average total loans | $381,012,250 | 1,293 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1971% | 5,246 |
| Cost of funding earning assets | 0.4625% | 2,480 |
| Net interest margin | 2.7346% | 5,327 |
| Noninterest income to average assets | 0.3857% | 3,785 |
| Noninterest expense to average assets | 2.1075% | 4,760 |
| Loan and lease loss provision to assets | 0.1409% | 1,456 |
| Net operating income to assets | 0.4730% | 4,779 |
| Return on assets (ROA) | 0.4865% | 4,778 |
| Pretax return on assets | 0.7052% | 4,532 |
| Return on Equity (ROE) | 4.2693% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.1489% | 3,237 |
| Net charge-offs to loans | 0.1302% | 1,381 |
| Credit loss provision to net charge-offs | 167.0732% | 1,420 |
| Earnings coverage of net charge-offs (x) | 9.8008% | 2,393 |
| Efficiency ratio | 71.8275% | 2,374 |
| Assets per employee ($millions) | 6.6221% | 1,084 |
| Cash dividends to net income (ytd only)* | 2.8189% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,022 |
| Loan loss allowance to noncurrent loans | 101.7373% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 3,158 |
| Noncurrent loans to loans | 0.7565% | 2,501 |
| Net loans and leases to total assets | 63.3394% | 3,475 |
| Net loans and leases to deposits | 74.5596% | 3,489 |
| Net loans and leases to core deposits | 78.5229% | 3,551 |
| Total domestic deposits to total assets | 84.9515% | 2,835 |
| Equity capital to assets | 11.2867% | 2,506 |
| Core capital (leverage) ratio | 11.5529% | 1,932 |
| Tier 1 risk-based capital ratio | 20.2229% | 1,322 |
| Total risk-based capital ratio | 21.1017% | 1,368 |
| Memoranda: | ||
| Average total assets | $583,341,670 | 1,242 |
| Average earning assets | $543,620,670 | 1,228 |
| Average equity | $66,474,670 | 1,203 |
| Average total loans | $377,771,670 | 1,305 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 5,271 |
| Cost of funding earning assets | 0.4624% | 2,409 |
| Net interest margin | 2.7137% | 5,375 |
| Noninterest income to average assets | 0.3723% | 3,866 |
| Noninterest expense to average assets | 2.0859% | 4,879 |
| Loan and lease loss provision to assets | 0.2121% | 767 |
| Net operating income to assets | 0.4249% | 4,873 |
| Return on assets (ROA) | 0.4249% | 4,895 |
| Pretax return on assets | 0.6045% | 4,721 |
| Return on Equity (ROE) | 3.7108% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.7108% | 3,589 |
| Net charge-offs to loans | 0.2338% | 770 |
| Credit loss provision to net charge-offs | 139.0909% | 1,265 |
| Earnings coverage of net charge-offs (x) | 5.3545% | 2,302 |
| Efficiency ratio | 71.8653% | 2,601 |
| Assets per employee ($millions) | 6.5776% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 5,195 |
| Loan loss allowance to noncurrent loans | 70.8354% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 2,553 |
| Noncurrent loans to loans | 1.0604% | 1,933 |
| Net loans and leases to total assets | 65.0345% | 3,112 |
| Net loans and leases to deposits | 77.0252% | 3,079 |
| Net loans and leases to core deposits | 81.1533% | 3,180 |
| Total domestic deposits to total assets | 84.4328% | 3,316 |
| Equity capital to assets | 11.4847% | 2,193 |
| Core capital (leverage) ratio | 11.6292% | 1,861 |
| Tier 1 risk-based capital ratio | 19.6991% | 1,450 |
| Total risk-based capital ratio | 20.5419% | 1,512 |
| Memoranda: | ||
| Average total assets | $577,016,500 | 1,248 |
| Average earning assets | $538,011,500 | 1,237 |
| Average equity | $66,078,000 | 1,208 |
| Average total loans | $376,444,500 | 1,316 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0890% | 5,416 |
| Cost of funding earning assets | 0.4733% | 2,324 |
| Net interest margin | 2.6158% | 5,496 |
| Noninterest income to average assets | 0.4032% | 3,858 |
| Noninterest expense to average assets | 2.1582% | 4,869 |
| Loan and lease loss provision to assets | 0.0853% | 2,653 |
| Net operating income to assets | 0.4012% | 4,941 |
| Return on assets (ROA) | 0.4012% | 5,021 |
| Pretax return on assets | 0.5954% | 4,797 |
| Return on Equity (ROE) | 3.4503% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.4503% | 3,471 |
| Net charge-offs to loans | 0.0188% | 3,684 |
| Credit loss provision to net charge-offs | 716.4179% | 504 |
| Earnings coverage of net charge-offs (x) | 57.1940% | 927 |
| Efficiency ratio | 76.0245% | 1,977 |
| Assets per employee ($millions) | 6.3911% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 5,273 |
| Loan loss allowance to noncurrent loans | 58.5878% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 2,297 |
| Noncurrent loans to loans | 1.2623% | 1,627 |
| Net loans and leases to total assets | 64.4707% | 3,294 |
| Net loans and leases to deposits | 75.8316% | 3,333 |
| Net loans and leases to core deposits | 80.1323% | 3,384 |
| Total domestic deposits to total assets | 85.0183% | 3,035 |
| Equity capital to assets | 11.4184% | 2,232 |
| Core capital (leverage) ratio | 11.5983% | 1,863 |
| Tier 1 risk-based capital ratio | 19.8452% | 1,408 |
| Total risk-based capital ratio | 20.6751% | 1,454 |
| Memoranda: | ||
| Average total assets | $563,007,800 | 1,238 |
| Average earning assets | $524,241,800 | 1,221 |
| Average equity | $65,473,000 | 1,201 |
| Average total loans | $356,587,600 | 1,317 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0736% | 5,499 |
| Cost of funding earning assets | 0.4713% | 2,352 |
| Net interest margin | 2.6023% | 5,584 |
| Noninterest income to average assets | 0.4043% | 3,890 |
| Noninterest expense to average assets | 2.1544% | 4,884 |
| Loan and lease loss provision to assets | 0.0724% | 2,766 |
| Net operating income to assets | 0.3979% | 5,022 |
| Return on assets (ROA) | 0.3979% | 5,120 |
| Pretax return on assets | 0.6005% | 4,876 |
| Return on Equity (ROE) | 3.4055% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.4055% | 3,856 |
| Net charge-offs to loans | 0.0068% | 3,678 |
| Credit loss provision to net charge-offs | 1,688.8889% | 277 |
| Earnings coverage of net charge-offs (x) | 156.9963% | 447 |
| Efficiency ratio | 76.2001% | 1,947 |
| Assets per employee ($millions) | 6.2405% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 5,394 |
| Loan loss allowance to noncurrent loans | 50.7216% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 2,267 |
| Noncurrent loans to loans | 1.4101% | 1,554 |
| Net loans and leases to total assets | 64.4348% | 3,344 |
| Net loans and leases to deposits | 76.4301% | 3,358 |
| Net loans and leases to core deposits | 80.7973% | 3,370 |
| Total domestic deposits to total assets | 84.3055% | 3,094 |
| Equity capital to assets | 11.7190% | 2,326 |
| Core capital (leverage) ratio | 11.5927% | 1,964 |
| Tier 1 risk-based capital ratio | 20.4837% | 1,355 |
| Total risk-based capital ratio | 21.3085% | 1,399 |
| Memoranda: | ||
| Average total assets | $559,959,250 | 1,245 |
| Average earning assets | $521,381,750 | 1,228 |
| Average equity | $65,421,500 | 1,207 |
| Average total loans | $352,334,500 | 1,329 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0604% | 5,586 |
| Cost of funding earning assets | 0.4675% | 2,402 |
| Net interest margin | 2.5929% | 5,672 |
| Noninterest income to average assets | 0.3782% | 4,039 |
| Noninterest expense to average assets | 2.1539% | 4,944 |
| Loan and lease loss provision to assets | 0.0660% | 2,821 |
| Net operating income to assets | 0.3693% | 5,124 |
| Return on assets (ROA) | 0.3693% | 5,213 |
| Pretax return on assets | 0.5727% | 4,964 |
| Return on Equity (ROE) | 3.1639% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.1639% | 3,887 |
| Net charge-offs to loans | 0.0104% | 3,351 |
| Credit loss provision to net charge-offs | 1,022.2222% | 366 |
| Earnings coverage of net charge-offs (x) | 98.8889% | 588 |
| Efficiency ratio | 77.1267% | 1,910 |
| Assets per employee ($millions) | 6.0967% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 5,506 |
| Loan loss allowance to noncurrent loans | 46.1482% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 2,227 |
| Noncurrent loans to loans | 1.5300% | 1,418 |
| Net loans and leases to total assets | 62.4015% | 3,577 |
| Net loans and leases to deposits | 73.6987% | 3,630 |
| Net loans and leases to core deposits | 77.6734% | 3,667 |
| Total domestic deposits to total assets | 84.6711% | 3,015 |
| Equity capital to assets | 11.6683% | 2,388 |
| Core capital (leverage) ratio | 11.5818% | 1,926 |
| Tier 1 risk-based capital ratio | 20.6199% | 1,323 |
| Total risk-based capital ratio | 21.4189% | 1,390 |
| Memoranda: | ||
| Average total assets | $557,318,670 | 1,255 |
| Average earning assets | $518,953,330 | 1,238 |
| Average equity | $65,045,330 | 1,210 |
| Average total loans | $346,929,670 | 1,349 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 5,646 |
| Cost of funding earning assets | 0.4645% | 2,424 |
| Net interest margin | 2.5826% | 5,738 |
| Noninterest income to average assets | 0.3323% | 4,355 |
| Noninterest expense to average assets | 2.1713% | 4,976 |
| Loan and lease loss provision to assets | 0.0456% | 3,007 |
| Net operating income to assets | 0.3019% | 5,301 |
| Return on assets (ROA) | 0.3019% | 5,381 |
| Pretax return on assets | 0.5184% | 5,035 |
| Return on Equity (ROE) | 2.5865% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.5865% | 4,209 |
| Net charge-offs to loans | 0.0210% | 2,513 |
| Credit loss provision to net charge-offs | 350.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 43.2778% | 965 |
| Efficiency ratio | 79.3806% | 1,686 |
| Assets per employee ($millions) | 6.2923% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 5,593 |
| Loan loss allowance to noncurrent loans | 44.0176% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 2,281 |
| Noncurrent loans to loans | 1.5948% | 1,455 |
| Net loans and leases to total assets | 60.4930% | 3,711 |
| Net loans and leases to deposits | 71.5027% | 3,696 |
| Net loans and leases to core deposits | 75.0508% | 3,784 |
| Total domestic deposits to total assets | 84.6023% | 3,276 |
| Equity capital to assets | 11.6392% | 2,297 |
| Core capital (leverage) ratio | 11.6390% | 1,879 |
| Tier 1 risk-based capital ratio | 21.5274% | 1,228 |
| Total risk-based capital ratio | 22.3293% | 1,278 |
| Memoranda: | ||
| Average total assets | $552,480,000 | 1,267 |
| Average earning assets | $514,065,000 | 1,254 |
| Average equity | $64,488,500 | 1,213 |
| Average total loans | $342,229,500 | 1,357 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2388% | 5,457 |
| Cost of funding earning assets | 0.4653% | 2,480 |
| Net interest margin | 2.7734% | 5,564 |
| Noninterest income to average assets | 0.4301% | 3,822 |
| Noninterest expense to average assets | 2.5585% | 4,045 |
| Loan and lease loss provision to assets | 0.1193% | 2,002 |
| Net operating income to assets | 0.2451% | 5,494 |
| Return on assets (ROA) | 0.2451% | 5,562 |
| Pretax return on assets | 0.3237% | 5,471 |
| Return on Equity (ROE) | 2.1202% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.0644% | 4,554 |
| Net charge-offs to loans | 0.0858% | 2,601 |
| Credit loss provision to net charge-offs | 221.1155% | 1,284 |
| Earnings coverage of net charge-offs (x) | 8.2112% | 2,985 |
| Efficiency ratio | 85.2396% | 1,070 |
| Assets per employee ($millions) | 6.0550% | 1,344 |
| Cash dividends to net income (ytd only)* | 2.6316% | 4,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 5,657 |
| Loan loss allowance to noncurrent loans | 36.0706% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 1,812 |
| Noncurrent loans to loans | 1.8978% | 1,130 |
| Net loans and leases to total assets | 62.5649% | 3,481 |
| Net loans and leases to deposits | 74.0756% | 3,485 |
| Net loans and leases to core deposits | 77.7783% | 3,569 |
| Total domestic deposits to total assets | 84.4608% | 3,305 |
| Equity capital to assets | 11.7068% | 2,189 |
| Core capital (leverage) ratio | 11.8202% | 1,743 |
| Tier 1 risk-based capital ratio | 21.2676% | 1,256 |
| Total risk-based capital ratio | 22.0501% | 1,306 |
| Memoranda: | ||
| Average total assets | $465,197,400 | 1,447 |
| Average earning assets | $431,305,000 | 1,449 |
| Average equity | $53,768,000 | 1,389 |
| Average total loans | $292,505,200 | 1,494 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2673% | 5,468 |
| Cost of funding earning assets | 0.4652% | 2,533 |
| Net interest margin | 2.8021% | 5,573 |
| Noninterest income to average assets | 0.4258% | 3,896 |
| Noninterest expense to average assets | 2.6432% | 3,743 |
| Loan and lease loss provision to assets | 0.1303% | 1,730 |
| Net operating income to assets | 0.2090% | 5,661 |
| Return on assets (ROA) | 0.2090% | 5,723 |
| Pretax return on assets | 0.2494% | 5,721 |
| Return on Equity (ROE) | 1.8155% | 5,705 |
| Retained earnings to average equity (ytd only) | 1.7375% | 5,008 |
| Net charge-offs to loans | 0.1196% | 1,924 |
| Credit loss provision to net charge-offs | 173.3068% | 1,507 |
| Earnings coverage of net charge-offs (x) | 5.0518% | 3,255 |
| Efficiency ratio | 87.4393% | 897 |
| Assets per employee ($millions) | 5.8742% | 1,458 |
| Cash dividends to net income (ytd only)* | 4.2981% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 5,805 |
| Loan loss allowance to noncurrent loans | 42.4196% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 2,415 |
| Noncurrent loans to loans | 1.5526% | 1,608 |
| Net loans and leases to total assets | 62.2405% | 3,571 |
| Net loans and leases to deposits | 74.4922% | 3,489 |
| Net loans and leases to core deposits | 78.2947% | 3,579 |
| Total domestic deposits to total assets | 83.5530% | 3,588 |
| Equity capital to assets | 11.8654% | 2,203 |
| Core capital (leverage) ratio | 11.9111% | 1,733 |
| Tier 1 risk-based capital ratio | 20.2965% | 1,475 |
| Total risk-based capital ratio | 21.0102% | 1,572 |
| Memoranda: | ||
| Average total assets | $445,260,250 | 1,518 |
| Average earning assets | $412,686,000 | 1,504 |
| Average equity | $51,261,000 | 1,452 |
| Average total loans | $279,807,750 | 1,561 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 5,502 |
| Cost of funding earning assets | 0.4699% | 2,519 |
| Net interest margin | 2.7972% | 5,617 |
| Noninterest income to average assets | 0.4367% | 3,804 |
| Noninterest expense to average assets | 2.7664% | 3,361 |
| Loan and lease loss provision to assets | 0.1282% | 1,731 |
| Net operating income to assets | 0.1465% | 5,815 |
| Return on assets (ROA) | 0.1465% | 5,862 |
| Pretax return on assets | 0.1417% | 5,892 |
| Return on Equity (ROE) | 1.2901% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.2901% | 5,035 |
| Net charge-offs to loans | 0.1729% | 1,427 |
| Credit loss provision to net charge-offs | 117.7778% | 1,829 |
| Earnings coverage of net charge-offs (x) | 2.4800% | 3,335 |
| Efficiency ratio | 91.1118% | 680 |
| Assets per employee ($millions) | 5.7555% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 5,914 |
| Loan loss allowance to noncurrent loans | 42.5541% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 2,683 |
| Noncurrent loans to loans | 1.4973% | 1,777 |
| Net loans and leases to total assets | 61.4362% | 3,633 |
| Net loans and leases to deposits | 72.9604% | 3,619 |
| Net loans and leases to core deposits | 76.0392% | 3,761 |
| Total domestic deposits to total assets | 84.2049% | 3,486 |
| Equity capital to assets | 11.9870% | 2,040 |
| Core capital (leverage) ratio | 12.1770% | 1,550 |
| Tier 1 risk-based capital ratio | 20.8252% | 1,400 |
| Total risk-based capital ratio | 21.5144% | 1,470 |
| Memoranda: | ||
| Average total assets | $413,537,670 | 1,620 |
| Average earning assets | $384,306,670 | 1,609 |
| Average equity | $46,973,330 | 1,590 |
| Average total loans | $260,212,000 | 1,686 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 5,764 |
| Cost of funding earning assets | 0.4606% | 2,678 |
| Net interest margin | 2.6529% | 5,861 |
| Noninterest income to average assets | 0.4208% | 3,838 |
| Noninterest expense to average assets | 2.7540% | 3,405 |
| Loan and lease loss provision to assets | 0.1519% | 1,342 |
| Net operating income to assets | 0.0416% | 5,967 |
| Return on assets (ROA) | 0.0416% | 6,009 |
| Pretax return on assets | -0.0101% | 6,057 |
| Return on Equity (ROE) | 0.3822% | 6,002 |
| Retained earnings to average equity (ytd only) | 0.3822% | 5,250 |
| Net charge-offs to loans | 0.4624% | 537 |
| Credit loss provision to net charge-offs | 51.5267% | 2,085 |
| Earnings coverage of net charge-offs (x) | 0.4809% | 3,047 |
| Efficiency ratio | 95.1049% | 536 |
| Assets per employee ($millions) | 5.9237% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 5,603 |
| Loan loss allowance to noncurrent loans | 48.1677% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 2,431 |
| Noncurrent loans to loans | 1.7360% | 1,573 |
| Net loans and leases to total assets | 62.9788% | 3,239 |
| Net loans and leases to deposits | 73.8078% | 3,335 |
| Net loans and leases to core deposits | 78.2913% | 3,348 |
| Total domestic deposits to total assets | 85.3281% | 3,255 |
| Equity capital to assets | 10.7792% | 3,218 |
| Core capital (leverage) ratio | 10.8622% | 2,560 |
| Tier 1 risk-based capital ratio | 19.4015% | 1,765 |
| Total risk-based capital ratio | 20.3666% | 1,793 |
| Memoranda: | ||
| Average total assets | $355,554,000 | 1,869 |
| Average earning assets | $331,709,000 | 1,853 |
| Average equity | $38,724,000 | 1,889 |
| Average total loans | $226,621,000 | 1,899 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2061% | 5,831 |
| Cost of funding earning assets | 0.4626% | 3,046 |
| Net interest margin | 2.7435% | 5,882 |
| Noninterest income to average assets | 0.4865% | 3,612 |
| Noninterest expense to average assets | 2.5297% | 4,455 |
| Loan and lease loss provision to assets | 0.1265% | 2,071 |
| Net operating income to assets | 0.3211% | 5,463 |
| Return on assets (ROA) | 0.3211% | 5,532 |
| Pretax return on assets | 0.3853% | 5,520 |
| Return on Equity (ROE) | 2.9195% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.9195% | 4,163 |
| Net charge-offs to loans | 0.1665% | 2,368 |
| Credit loss provision to net charge-offs | 120.1102% | 1,996 |
| Earnings coverage of net charge-offs (x) | 4.8595% | 3,548 |
| Efficiency ratio | 83.1744% | 1,498 |
| Assets per employee ($millions) | 5.7338% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 5,427 |
| Loan loss allowance to noncurrent loans | 47.3830% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 2,294 |
| Noncurrent loans to loans | 1.9298% | 1,457 |
| Net loans and leases to total assets | 63.3876% | 3,303 |
| Net loans and leases to deposits | 74.5901% | 3,364 |
| Net loans and leases to core deposits | 78.3389% | 3,483 |
| Total domestic deposits to total assets | 84.9813% | 3,291 |
| Equity capital to assets | 11.0069% | 2,891 |
| Core capital (leverage) ratio | 11.0610% | 2,349 |
| Tier 1 risk-based capital ratio | 18.7685% | 1,918 |
| Total risk-based capital ratio | 19.7649% | 1,958 |
| Memoranda: | ||
| Average total assets | $344,707,000 | 1,890 |
| Average earning assets | $321,011,600 | 1,864 |
| Average equity | $37,917,000 | 1,863 |
| Average total loans | $218,057,800 | 1,916 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,892 |
| Cost of funding earning assets | 0.4660% | 3,091 |
| Net interest margin | 2.7431% | 5,948 |
| Noninterest income to average assets | 0.4853% | 3,649 |
| Noninterest expense to average assets | 2.5525% | 4,351 |
| Loan and lease loss provision to assets | 0.1087% | 2,225 |
| Net operating income to assets | 0.3218% | 5,521 |
| Return on assets (ROA) | 0.3218% | 5,593 |
| Pretax return on assets | 0.3789% | 5,628 |
| Return on Equity (ROE) | 2.9263% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.9263% | 4,515 |
| Net charge-offs to loans | 0.0418% | 3,659 |
| Credit loss provision to net charge-offs | 411.7647% | 678 |
| Earnings coverage of net charge-offs (x) | 18.4714% | 1,835 |
| Efficiency ratio | 83.9612% | 1,390 |
| Assets per employee ($millions) | 5.7514% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 5,277 |
| Loan loss allowance to noncurrent loans | 63.9076% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 2,974 |
| Noncurrent loans to loans | 1.5396% | 2,103 |
| Net loans and leases to total assets | 63.7196% | 3,230 |
| Net loans and leases to deposits | 74.5565% | 3,365 |
| Net loans and leases to core deposits | 80.5493% | 3,251 |
| Total domestic deposits to total assets | 85.4649% | 3,126 |
| Equity capital to assets | 11.0510% | 2,897 |
| Core capital (leverage) ratio | 11.1335% | 2,366 |
| Tier 1 risk-based capital ratio | 18.7020% | 1,988 |
| Total risk-based capital ratio | 19.7700% | 2,005 |
| Memoranda: | ||
| Average total assets | $343,442,750 | 1,904 |
| Average earning assets | $319,872,750 | 1,879 |
| Average equity | $37,771,750 | 1,870 |
| Average total loans | $216,634,000 | 1,941 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1795% | 5,975 |
| Cost of funding earning assets | 0.4769% | 3,049 |
| Net interest margin | 2.7025% | 6,049 |
| Noninterest income to average assets | 0.4969% | 3,501 |
| Noninterest expense to average assets | 2.5582% | 4,388 |
| Loan and lease loss provision to assets | 0.1027% | 2,305 |
| Net operating income to assets | 0.3015% | 5,559 |
| Return on assets (ROA) | 0.3015% | 5,628 |
| Pretax return on assets | 0.3511% | 5,672 |
| Return on Equity (ROE) | 2.7463% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.7463% | 4,453 |
| Net charge-offs to loans | -0.0289% | 5,670 |
| Credit loss provision to net charge-offs | -567.7419% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9342% | 1,394 |
| Assets per employee ($millions) | 5.5415% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,351 |
| Loan loss allowance to noncurrent loans | 48.7696% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 2,559 |
| Noncurrent loans to loans | 2.0510% | 1,638 |
| Net loans and leases to total assets | 61.8038% | 3,435 |
| Net loans and leases to deposits | 71.1833% | 3,683 |
| Net loans and leases to core deposits | 76.7574% | 3,556 |
| Total domestic deposits to total assets | 86.8235% | 2,564 |
| Equity capital to assets | 10.9054% | 2,973 |
| Core capital (leverage) ratio | 11.0398% | 2,384 |
| Tier 1 risk-based capital ratio | 18.6638% | 2,015 |
| Total risk-based capital ratio | 19.7359% | 2,030 |
| Memoranda: | ||
| Average total assets | $342,896,330 | 1,906 |
| Average earning assets | $319,111,670 | 1,883 |
| Average equity | $37,650,670 | 1,871 |
| Average total loans | $214,822,000 | 1,945 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1945% | 6,010 |
| Cost of funding earning assets | 0.4818% | 3,092 |
| Net interest margin | 2.7127% | 6,097 |
| Noninterest income to average assets | 0.5556% | 3,013 |
| Noninterest expense to average assets | 2.6275% | 4,189 |
| Loan and lease loss provision to assets | 0.0895% | 2,424 |
| Net operating income to assets | 0.3143% | 5,442 |
| Return on assets (ROA) | 0.3143% | 5,492 |
| Pretax return on assets | 0.3638% | 5,561 |
| Return on Equity (ROE) | 2.8526% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.8526% | 4,380 |
| Net charge-offs to loans | 0.0169% | 3,252 |
| Credit loss provision to net charge-offs | 844.4444% | 357 |
| Earnings coverage of net charge-offs (x) | 42.7778% | 842 |
| Efficiency ratio | 85.2885% | 1,513 |
| Assets per employee ($millions) | 5.4993% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 5,701 |
| Loan loss allowance to noncurrent loans | 63.2951% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 3,404 |
| Noncurrent loans to loans | 1.5020% | 2,538 |
| Net loans and leases to total assets | 61.3476% | 3,341 |
| Net loans and leases to deposits | 73.3917% | 3,144 |
| Net loans and leases to core deposits | 76.2700% | 3,382 |
| Total domestic deposits to total assets | 83.5893% | 4,423 |
| Equity capital to assets | 10.8949% | 2,831 |
| Core capital (leverage) ratio | 11.1101% | 2,292 |
| Tier 1 risk-based capital ratio | 17.8750% | 2,346 |
| Total risk-based capital ratio | 18.8422% | 2,423 |
| Memoranda: | ||
| Average total assets | $339,788,000 | 1,931 |
| Average earning assets | $316,289,000 | 1,904 |
| Average equity | $37,440,000 | 1,873 |
| Average total loans | $213,260,500 | 1,956 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2193% | 6,116 |
| Cost of funding earning assets | 0.4904% | 3,706 |
| Net interest margin | 2.7290% | 6,101 |
| Noninterest income to average assets | 0.5079% | 3,703 |
| Noninterest expense to average assets | 2.4168% | 5,029 |
| Loan and lease loss provision to assets | 0.0780% | 3,549 |
| Net operating income to assets | 0.4344% | 5,017 |
| Return on assets (ROA) | 0.4344% | 5,141 |
| Pretax return on assets | 0.5546% | 5,033 |
| Return on Equity (ROE) | 3.8643% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.7571% | 3,539 |
| Net charge-offs to loans | 0.0516% | 4,495 |
| Credit loss provision to net charge-offs | 249.0385% | 913 |
| Earnings coverage of net charge-offs (x) | 20.1923% | 1,561 |
| Efficiency ratio | 79.2552% | 2,275 |
| Assets per employee ($millions) | 5.6461% | 1,520 |
| Cash dividends to net income (ytd only)* | 2.7739% | 4,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 5,821 |
| Loan loss allowance to noncurrent loans | 55.9875% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 3,300 |
| Noncurrent loans to loans | 1.6628% | 2,413 |
| Net loans and leases to total assets | 63.0300% | 3,197 |
| Net loans and leases to deposits | 76.0936% | 2,952 |
| Net loans and leases to core deposits | 79.1849% | 3,218 |
| Total domestic deposits to total assets | 82.8323% | 4,598 |
| Equity capital to assets | 11.1474% | 2,478 |
| Core capital (leverage) ratio | 11.3139% | 2,105 |
| Tier 1 risk-based capital ratio | 18.1734% | 2,193 |
| Total risk-based capital ratio | 19.1313% | 2,249 |
| Memoranda: | ||
| Average total assets | $331,973,200 | 1,941 |
| Average earning assets | $309,165,400 | 1,914 |
| Average equity | $37,315,600 | 1,859 |
| Average total loans | $201,579,600 | 1,990 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 6,177 |
| Cost of funding earning assets | 0.4976% | 3,789 |
| Net interest margin | 2.7176% | 6,145 |
| Noninterest income to average assets | 0.5194% | 3,677 |
| Noninterest expense to average assets | 2.4187% | 4,965 |
| Loan and lease loss provision to assets | 0.0921% | 3,234 |
| Net operating income to assets | 0.4209% | 5,157 |
| Return on assets (ROA) | 0.4209% | 5,303 |
| Pretax return on assets | 0.5399% | 5,235 |
| Return on Equity (ROE) | 3.7364% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.5937% | 4,133 |
| Net charge-offs to loans | 0.0663% | 3,968 |
| Credit loss provision to net charge-offs | 231.3131% | 1,046 |
| Earnings coverage of net charge-offs (x) | 15.8784% | 1,834 |
| Efficiency ratio | 79.2858% | 2,220 |
| Assets per employee ($millions) | 5.7418% | 1,411 |
| Cash dividends to net income (ytd only)* | 3.8203% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 5,960 |
| Loan loss allowance to noncurrent loans | 55.2938% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 3,536 |
| Noncurrent loans to loans | 1.6914% | 2,659 |
| Net loans and leases to total assets | 61.9612% | 3,370 |
| Net loans and leases to deposits | 74.7824% | 3,116 |
| Net loans and leases to core deposits | 77.5656% | 3,412 |
| Total domestic deposits to total assets | 82.8554% | 4,635 |
| Equity capital to assets | 11.1823% | 2,583 |
| Core capital (leverage) ratio | 11.1182% | 2,367 |
| Tier 1 risk-based capital ratio | 18.3537% | 2,193 |
| Total risk-based capital ratio | 19.3190% | 2,262 |
| Memoranda: | ||
| Average total assets | $331,686,750 | 1,949 |
| Average earning assets | $308,944,250 | 1,930 |
| Average equity | $37,361,000 | 1,870 |
| Average total loans | $198,990,000 | 2,008 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2202% | 6,203 |
| Cost of funding earning assets | 0.4996% | 3,907 |
| Net interest margin | 2.7206% | 6,146 |
| Noninterest income to average assets | 0.5458% | 3,531 |
| Noninterest expense to average assets | 2.3952% | 5,069 |
| Loan and lease loss provision to assets | 0.0628% | 3,754 |
| Net operating income to assets | 0.4776% | 4,891 |
| Return on assets (ROA) | 0.4776% | 5,073 |
| Pretax return on assets | 0.6261% | 4,921 |
| Return on Equity (ROE) | 4.2298% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.0159% | 3,739 |
| Net charge-offs to loans | 0.0010% | 4,900 |
| Credit loss provision to net charge-offs | 10,400.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,141.0000% | 26 |
| Efficiency ratio | 77.6625% | 2,515 |
| Assets per employee ($millions) | 6.0337% | 1,180 |
| Cash dividends to net income (ytd only)* | 5.0569% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 5,949 |
| Loan loss allowance to noncurrent loans | 50.4067% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 3,392 |
| Noncurrent loans to loans | 1.9123% | 2,491 |
| Net loans and leases to total assets | 58.4111% | 3,920 |
| Net loans and leases to deposits | 69.7764% | 3,746 |
| Net loans and leases to core deposits | 72.0983% | 4,026 |
| Total domestic deposits to total assets | 83.7118% | 4,448 |
| Equity capital to assets | 11.0113% | 2,739 |
| Core capital (leverage) ratio | 11.1034% | 2,259 |
| Tier 1 risk-based capital ratio | 18.8765% | 2,029 |
| Total risk-based capital ratio | 19.8624% | 2,067 |
| Memoranda: | ||
| Average total assets | $331,240,330 | 1,961 |
| Average earning assets | $309,047,000 | 1,934 |
| Average equity | $37,401,330 | 1,870 |
| Average total loans | $195,888,330 | 2,042 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 6,181 |
| Cost of funding earning assets | 0.5018% | 4,070 |
| Net interest margin | 2.7832% | 6,062 |
| Noninterest income to average assets | 0.5282% | 3,583 |
| Noninterest expense to average assets | 2.4933% | 4,781 |
| Loan and lease loss provision to assets | 0.0488% | 3,803 |
| Net operating income to assets | 0.4391% | 4,962 |
| Return on assets (ROA) | 0.4391% | 5,127 |
| Pretax return on assets | 0.5843% | 5,008 |
| Return on Equity (ROE) | 3.8401% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.4134% | 4,205 |
| Net charge-offs to loans | 0.0041% | 4,085 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 259.5000% | 148 |
| Efficiency ratio | 79.7503% | 2,372 |
| Assets per employee ($millions) | 5.8255% | 1,396 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,146 |
| Loan loss allowance to noncurrent loans | 59.8131% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 3,749 |
| Noncurrent loans to loans | 1.5818% | 3,158 |
| Net loans and leases to total assets | 59.5639% | 3,506 |
| Net loans and leases to deposits | 72.3021% | 3,140 |
| Net loans and leases to core deposits | 74.6451% | 3,499 |
| Total domestic deposits to total assets | 82.3820% | 5,064 |
| Equity capital to assets | 11.5021% | 2,410 |
| Core capital (leverage) ratio | 11.0458% | 2,224 |
| Tier 1 risk-based capital ratio | 19.2116% | 1,979 |
| Total risk-based capital ratio | 20.1925% | 2,035 |
| Memoranda: | ||
| Average total assets | $327,916,500 | 2,009 |
| Average earning assets | $306,126,000 | 1,973 |
| Average equity | $37,499,000 | 1,889 |
| Average total loans | $194,190,000 | 2,073 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 6,507 |
| Cost of funding earning assets | 0.6091% | 4,258 |
| Net interest margin | 2.7682% | 6,426 |
| Noninterest income to average assets | 0.4802% | 4,039 |
| Noninterest expense to average assets | 2.3962% | 5,416 |
| Loan and lease loss provision to assets | 0.1454% | 3,788 |
| Net operating income to assets | 0.3935% | 5,129 |
| Return on assets (ROA) | 0.3935% | 5,367 |
| Pretax return on assets | 0.5439% | 5,154 |
| Return on Equity (ROE) | 3.3854% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.3854% | 3,843 |
| Net charge-offs to loans | 0.2050% | 3,743 |
| Credit loss provision to net charge-offs | 121.6359% | 2,350 |
| Earnings coverage of net charge-offs (x) | 5.7678% | 2,955 |
| Efficiency ratio | 77.6597% | 2,500 |
| Assets per employee ($millions) | 5.8858% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,139 |
| Loan loss allowance to noncurrent loans | 48.9104% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 3,686 |
| Noncurrent loans to loans | 1.9338% | 2,768 |
| Net loans and leases to total assets | 57.7637% | 4,023 |
| Net loans and leases to deposits | 70.7264% | 3,598 |
| Net loans and leases to core deposits | 73.0885% | 3,913 |
| Total domestic deposits to total assets | 81.6720% | 5,204 |
| Equity capital to assets | 11.3697% | 2,568 |
| Core capital (leverage) ratio | 11.5042% | 1,871 |
| Tier 1 risk-based capital ratio | 19.3721% | 1,849 |
| Total risk-based capital ratio | 20.3496% | 1,905 |
| Memoranda: | ||
| Average total assets | $317,130,800 | 2,023 |
| Average earning assets | $298,466,400 | 1,981 |
| Average equity | $36,864,000 | 1,885 |
| Average total loans | $184,842,600 | 2,143 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4072% | 6,620 |
| Cost of funding earning assets | 0.6442% | 4,240 |
| Net interest margin | 2.7629% | 6,563 |
| Noninterest income to average assets | 0.4569% | 4,232 |
| Noninterest expense to average assets | 2.4780% | 5,153 |
| Loan and lease loss provision to assets | 0.0726% | 4,755 |
| Net operating income to assets | 0.3758% | 5,349 |
| Return on assets (ROA) | 0.3758% | 5,551 |
| Pretax return on assets | 0.5121% | 5,430 |
| Return on Equity (ROE) | 3.2142% | 5,606 |
| Retained earnings to average equity (ytd only) | 3.2142% | 4,604 |
| Net charge-offs to loans | 0.0714% | 4,697 |
| Credit loss provision to net charge-offs | 174.4898% | 1,596 |
| Earnings coverage of net charge-offs (x) | 14.0514% | 1,866 |
| Efficiency ratio | 80.9095% | 1,952 |
| Assets per employee ($millions) | 5.5762% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,220 |
| Loan loss allowance to noncurrent loans | 44.5128% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3015% | 3,692 |
| Noncurrent loans to loans | 2.1562% | 2,667 |
| Net loans and leases to total assets | 59.7801% | 3,823 |
| Net loans and leases to deposits | 70.7542% | 3,793 |
| Net loans and leases to core deposits | 72.9910% | 4,119 |
| Total domestic deposits to total assets | 84.4898% | 3,982 |
| Equity capital to assets | 11.9440% | 2,307 |
| Core capital (leverage) ratio | 11.4192% | 2,044 |
| Tier 1 risk-based capital ratio | 20.0337% | 1,748 |
| Total risk-based capital ratio | 21.0497% | 1,783 |
| Memoranda: | ||
| Average total assets | $314,012,250 | 2,070 |
| Average earning assets | $296,152,000 | 2,014 |
| Average equity | $36,711,250 | 1,910 |
| Average total loans | $183,000,750 | 2,189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 6,709 |
| Cost of funding earning assets | 0.6737% | 4,240 |
| Net interest margin | 2.7446% | 6,655 |
| Noninterest income to average assets | 0.4463% | 4,322 |
| Noninterest expense to average assets | 2.4851% | 5,190 |
| Loan and lease loss provision to assets | 0.0191% | 5,428 |
| Net operating income to assets | 0.3795% | 5,302 |
| Return on assets (ROA) | 0.3795% | 5,532 |
| Pretax return on assets | 0.5296% | 5,367 |
| Return on Equity (ROE) | 3.2698% | 5,581 |
| Retained earnings to average equity (ytd only) | 3.2698% | 4,439 |
| Net charge-offs to loans | 0.0695% | 4,456 |
| Credit loss provision to net charge-offs | 47.6190% | 4,092 |
| Earnings coverage of net charge-offs (x) | 13.6984% | 1,771 |
| Efficiency ratio | 81.9153% | 1,888 |
| Assets per employee ($millions) | 5.6143% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,403 |
| Loan loss allowance to noncurrent loans | 49.3766% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 4,226 |
| Noncurrent loans to loans | 1.8699% | 3,117 |
| Net loans and leases to total assets | 57.1049% | 4,310 |
| Net loans and leases to deposits | 66.8788% | 4,382 |
| Net loans and leases to core deposits | 68.8012% | 4,698 |
| Total domestic deposits to total assets | 85.3856% | 3,673 |
| Equity capital to assets | 11.5052% | 2,593 |
| Core capital (leverage) ratio | 11.3080% | 2,039 |
| Tier 1 risk-based capital ratio | 19.9258% | 1,717 |
| Total risk-based capital ratio | 20.8849% | 1,774 |
| Memoranda: | ||
| Average total assets | $314,594,330 | 2,064 |
| Average earning assets | $296,585,670 | 2,005 |
| Average equity | $36,516,000 | 1,908 |
| Average total loans | $181,173,670 | 2,210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 6,736 |
| Cost of funding earning assets | 0.7195% | 4,113 |
| Net interest margin | 2.7471% | 6,717 |
| Noninterest income to average assets | 0.4194% | 4,520 |
| Noninterest expense to average assets | 2.5432% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3412% | 5,507 |
| Return on assets (ROA) | 0.3412% | 5,685 |
| Pretax return on assets | 0.4617% | 5,553 |
| Return on Equity (ROE) | 2.9259% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.9259% | 4,791 |
| Net charge-offs to loans | 0.1270% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.3158% | 2,232 |
| Efficiency ratio | 84.6351% | 1,621 |
| Assets per employee ($millions) | 5.7349% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,465 |
| Loan loss allowance to noncurrent loans | 54.0393% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 4,443 |
| Noncurrent loans to loans | 1.7249% | 3,522 |
| Net loans and leases to total assets | 56.5744% | 4,277 |
| Net loans and leases to deposits | 67.8756% | 4,084 |
| Net loans and leases to core deposits | 70.0696% | 4,411 |
| Total domestic deposits to total assets | 83.3501% | 4,788 |
| Equity capital to assets | 11.5478% | 2,395 |
| Core capital (leverage) ratio | 11.3656% | 1,992 |
| Tier 1 risk-based capital ratio | 20.0352% | 1,705 |
| Total risk-based capital ratio | 20.9950% | 1,743 |
| Memoranda: | ||
| Average total assets | $311,885,000 | 2,081 |
| Average earning assets | $293,550,000 | 2,030 |
| Average equity | $36,365,000 | 1,913 |
| Average total loans | $179,537,500 | 2,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 6,773 |
| Cost of funding earning assets | 0.8659% | 4,349 |
| Net interest margin | 2.8920% | 6,704 |
| Noninterest income to average assets | 0.4467% | 4,244 |
| Noninterest expense to average assets | 2.4279% | 5,705 |
| Loan and lease loss provision to assets | 0.0879% | 5,491 |
| Net operating income to assets | 0.4484% | 4,654 |
| Return on assets (ROA) | 0.4484% | 4,859 |
| Pretax return on assets | 0.6491% | 4,513 |
| Return on Equity (ROE) | 3.7873% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.7873% | 3,521 |
| Net charge-offs to loans | 0.0537% | 5,784 |
| Credit loss provision to net charge-offs | 279.7872% | 847 |
| Earnings coverage of net charge-offs (x) | 23.4681% | 1,024 |
| Efficiency ratio | 76.7128% | 2,785 |
| Assets per employee ($millions) | 5.6064% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 6,335 |
| Loan loss allowance to noncurrent loans | 53.7628% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 4,515 |
| Noncurrent loans to loans | 1.8044% | 3,460 |
| Net loans and leases to total assets | 57.4714% | 4,468 |
| Net loans and leases to deposits | 68.1502% | 4,424 |
| Net loans and leases to core deposits | 70.2312% | 4,750 |
| Total domestic deposits to total assets | 84.3305% | 4,172 |
| Equity capital to assets | 11.7743% | 2,285 |
| Core capital (leverage) ratio | 11.4544% | 1,927 |
| Tier 1 risk-based capital ratio | 19.9095% | 1,668 |
| Total risk-based capital ratio | 20.9031% | 1,680 |
| Memoranda: | ||
| Average total assets | $299,316,000 | 2,140 |
| Average earning assets | $281,330,000 | 2,085 |
| Average equity | $35,434,000 | 1,907 |
| Average total loans | $175,109,800 | 2,316 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 6,858 |
| Cost of funding earning assets | 0.8936% | 4,443 |
| Net interest margin | 2.8913% | 6,761 |
| Noninterest income to average assets | 0.4322% | 4,422 |
| Noninterest expense to average assets | 2.4924% | 5,487 |
| Loan and lease loss provision to assets | 0.0799% | 5,442 |
| Net operating income to assets | 0.4044% | 4,978 |
| Return on assets (ROA) | 0.4044% | 5,165 |
| Pretax return on assets | 0.5785% | 4,888 |
| Return on Equity (ROE) | 3.4112% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.4112% | 4,309 |
| Net charge-offs to loans | 0.0666% | 5,293 |
| Credit loss provision to net charge-offs | 204.5977% | 1,431 |
| Earnings coverage of net charge-offs (x) | 16.8616% | 1,376 |
| Efficiency ratio | 79.1026% | 2,394 |
| Assets per employee ($millions) | 5.5406% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,482 |
| Loan loss allowance to noncurrent loans | 74.3831% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 5,328 |
| Noncurrent loans to loans | 1.2642% | 4,421 |
| Net loans and leases to total assets | 57.3138% | 4,620 |
| Net loans and leases to deposits | 68.0493% | 4,597 |
| Net loans and leases to core deposits | 70.0713% | 4,941 |
| Total domestic deposits to total assets | 84.2239% | 4,127 |
| Equity capital to assets | 11.8241% | 2,396 |
| Core capital (leverage) ratio | 11.2319% | 2,210 |
| Tier 1 risk-based capital ratio | 19.9009% | 1,711 |
| Total risk-based capital ratio | 20.8617% | 1,754 |
| Memoranda: | ||
| Average total assets | $297,057,500 | 2,156 |
| Average earning assets | $279,317,750 | 2,108 |
| Average equity | $35,216,000 | 1,917 |
| Average total loans | $174,150,000 | 2,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 6,904 |
| Cost of funding earning assets | 0.9033% | 4,636 |
| Net interest margin | 2.9145% | 6,762 |
| Noninterest income to average assets | 0.4346% | 4,392 |
| Noninterest expense to average assets | 2.5406% | 5,391 |
| Loan and lease loss provision to assets | 0.0849% | 5,247 |
| Net operating income to assets | 0.3796% | 5,038 |
| Return on assets (ROA) | 0.3796% | 5,176 |
| Pretax return on assets | 0.5480% | 4,910 |
| Return on Equity (ROE) | 3.1994% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.1994% | 4,236 |
| Net charge-offs to loans | 0.1003% | 4,676 |
| Credit loss provision to net charge-offs | 143.6782% | 2,126 |
| Earnings coverage of net charge-offs (x) | 10.7126% | 1,776 |
| Efficiency ratio | 80.0556% | 2,383 |
| Assets per employee ($millions) | 5.2041% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,609 |
| Loan loss allowance to noncurrent loans | 79.1420% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,557 |
| Noncurrent loans to loans | 1.1589% | 4,722 |
| Net loans and leases to total assets | 57.4427% | 4,735 |
| Net loans and leases to deposits | 68.1252% | 4,689 |
| Net loans and leases to core deposits | 70.2654% | 5,041 |
| Total domestic deposits to total assets | 84.3194% | 4,209 |
| Equity capital to assets | 11.7381% | 2,296 |
| Core capital (leverage) ratio | 11.3585% | 2,006 |
| Tier 1 risk-based capital ratio | 19.8948% | 1,628 |
| Total risk-based capital ratio | 20.8339% | 1,668 |
| Memoranda: | ||
| Average total assets | $294,499,000 | 2,179 |
| Average earning assets | $276,758,000 | 2,129 |
| Average equity | $34,944,000 | 1,913 |
| Average total loans | $173,429,330 | 2,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 6,884 |
| Cost of funding earning assets | 0.9195% | 4,782 |
| Net interest margin | 2.9357% | 6,695 |
| Noninterest income to average assets | 0.4401% | 4,362 |
| Noninterest expense to average assets | 2.4757% | 5,643 |
| Loan and lease loss provision to assets | 0.1142% | 4,583 |
| Net operating income to assets | 0.4195% | 4,860 |
| Return on assets (ROA) | 0.4195% | 4,947 |
| Pretax return on assets | 0.6079% | 4,655 |
| Return on Equity (ROE) | 3.5157% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.5157% | 4,076 |
| Net charge-offs to loans | 0.1923% | 3,351 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.3253% | 2,121 |
| Efficiency ratio | 77.4194% | 2,927 |
| Assets per employee ($millions) | 5.6489% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 6,689 |
| Loan loss allowance to noncurrent loans | 91.8523% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 5,808 |
| Noncurrent loans to loans | 0.9845% | 5,071 |
| Net loans and leases to total assets | 58.4600% | 4,566 |
| Net loans and leases to deposits | 69.8948% | 4,354 |
| Net loans and leases to core deposits | 72.2464% | 4,754 |
| Total domestic deposits to total assets | 83.6400% | 4,644 |
| Equity capital to assets | 11.8860% | 1,986 |
| Core capital (leverage) ratio | 11.6740% | 1,758 |
| Tier 1 risk-based capital ratio | 20.1500% | 1,559 |
| Total risk-based capital ratio | 21.0856% | 1,593 |
| Memoranda: | ||
| Average total assets | $290,829,500 | 2,222 |
| Average earning assets | $273,188,500 | 2,174 |
| Average equity | $34,701,000 | 1,909 |
| Average total loans | $172,649,500 | 2,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 6,951 |
| Cost of funding earning assets | 1.1459% | 4,878 |
| Net interest margin | 3.0361% | 6,665 |
| Noninterest income to average assets | 0.5284% | 3,970 |
| Noninterest expense to average assets | 2.3737% | 6,156 |
| Loan and lease loss provision to assets | 0.0737% | 6,413 |
| Net operating income to assets | 0.6039% | 3,648 |
| Return on assets (ROA) | 0.6066% | 3,808 |
| Pretax return on assets | 0.9241% | 3,180 |
| Return on Equity (ROE) | 5.1363% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.1363% | 2,340 |
| Net charge-offs to loans | 0.0141% | 6,686 |
| Credit loss provision to net charge-offs | 879.1667% | 246 |
| Earnings coverage of net charge-offs (x) | 118.5417% | 215 |
| Efficiency ratio | 70.4937% | 4,071 |
| Assets per employee ($millions) | 5.3318% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,697 |
| Loan loss allowance to noncurrent loans | 101.1620% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 5,956 |
| Noncurrent loans to loans | 0.9005% | 5,257 |
| Net loans and leases to total assets | 59.1988% | 4,804 |
| Net loans and leases to deposits | 70.9267% | 4,697 |
| Net loans and leases to core deposits | 73.2724% | 5,071 |
| Total domestic deposits to total assets | 83.4647% | 4,623 |
| Equity capital to assets | 11.9784% | 1,932 |
| Core capital (leverage) ratio | 11.6491% | 1,757 |
| Tier 1 risk-based capital ratio | 20.3741% | 1,420 |
| Total risk-based capital ratio | 21.3287% | 1,443 |
| Memoranda: | ||
| Average total assets | $286,340,200 | 2,236 |
| Average earning assets | $267,743,000 | 2,196 |
| Average equity | $33,817,800 | 1,953 |
| Average total loans | $170,555,200 | 2,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 7,044 |
| Cost of funding earning assets | 1.2060% | 4,839 |
| Net interest margin | 3.0296% | 6,768 |
| Noninterest income to average assets | 0.5204% | 4,027 |
| Noninterest expense to average assets | 2.3650% | 6,135 |
| Loan and lease loss provision to assets | 0.0816% | 6,227 |
| Net operating income to assets | 0.5941% | 3,899 |
| Return on assets (ROA) | 0.5978% | 4,041 |
| Pretax return on assets | 0.9083% | 3,528 |
| Return on Equity (ROE) | 5.0796% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.0796% | 2,927 |
| Net charge-offs to loans | 0.0188% | 6,409 |
| Credit loss provision to net charge-offs | 729.1667% | 410 |
| Earnings coverage of net charge-offs (x) | 87.9563% | 351 |
| Efficiency ratio | 70.6112% | 3,955 |
| Assets per employee ($millions) | 5.2956% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,835 |
| Loan loss allowance to noncurrent loans | 110.5415% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 6,214 |
| Noncurrent loans to loans | 0.7872% | 5,637 |
| Net loans and leases to total assets | 60.9931% | 4,719 |
| Net loans and leases to deposits | 73.1884% | 4,654 |
| Net loans and leases to core deposits | 75.8815% | 5,073 |
| Total domestic deposits to total assets | 83.3371% | 4,443 |
| Equity capital to assets | 12.0564% | 2,123 |
| Core capital (leverage) ratio | 11.2553% | 2,097 |
| Tier 1 risk-based capital ratio | 20.0664% | 1,536 |
| Total risk-based capital ratio | 20.9971% | 1,564 |
| Memoranda: | ||
| Average total assets | $285,945,750 | 2,272 |
| Average earning assets | $267,000,000 | 2,238 |
| Average equity | $33,650,250 | 1,986 |
| Average total loans | $170,191,250 | 2,510 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 7,098 |
| Cost of funding earning assets | 1.2371% | 4,914 |
| Net interest margin | 3.0284% | 6,775 |
| Noninterest income to average assets | 0.5155% | 3,990 |
| Noninterest expense to average assets | 2.3872% | 6,099 |
| Loan and lease loss provision to assets | 0.0804% | 6,131 |
| Net operating income to assets | 0.5708% | 3,990 |
| Return on assets (ROA) | 0.5708% | 4,139 |
| Pretax return on assets | 0.8680% | 3,633 |
| Return on Equity (ROE) | 4.8899% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.8899% | 2,966 |
| Net charge-offs to loans | 0.0285% | 5,937 |
| Credit loss provision to net charge-offs | 479.1667% | 776 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 539 |
| Efficiency ratio | 71.5664% | 3,885 |
| Assets per employee ($millions) | 5.1295% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,874 |
| Loan loss allowance to noncurrent loans | 74.9363% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 5,802 |
| Noncurrent loans to loans | 1.1497% | 5,040 |
| Net loans and leases to total assets | 57.8916% | 5,437 |
| Net loans and leases to deposits | 69.2796% | 5,378 |
| Net loans and leases to core deposits | 71.9452% | 5,678 |
| Total domestic deposits to total assets | 83.5622% | 4,307 |
| Equity capital to assets | 11.6434% | 2,325 |
| Core capital (leverage) ratio | 11.2419% | 2,075 |
| Tier 1 risk-based capital ratio | 20.3607% | 1,454 |
| Total risk-based capital ratio | 21.2817% | 1,477 |
| Memoranda: | ||
| Average total assets | $285,939,330 | 2,291 |
| Average earning assets | $266,276,000 | 2,259 |
| Average equity | $33,374,670 | 1,994 |
| Average total loans | $168,271,670 | 2,575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 7,078 |
| Cost of funding earning assets | 1.2302% | 5,229 |
| Net interest margin | 3.1091% | 6,565 |
| Noninterest income to average assets | 0.5023% | 4,035 |
| Noninterest expense to average assets | 2.3288% | 6,309 |
| Loan and lease loss provision to assets | 0.0778% | 5,859 |
| Net operating income to assets | 0.6400% | 3,711 |
| Return on assets (ROA) | 0.6409% | 3,826 |
| Pretax return on assets | 0.9861% | 3,141 |
| Return on Equity (ROE) | 5.4842% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.4842% | 2,874 |
| Net charge-offs to loans | -0.0120% | 6,937 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6692% | 4,584 |
| Assets per employee ($millions) | 5.1356% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 6,962 |
| Loan loss allowance to noncurrent loans | 80.4919% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,930 |
| Noncurrent loans to loans | 1.0676% | 5,212 |
| Net loans and leases to total assets | 58.8180% | 5,307 |
| Net loans and leases to deposits | 71.1383% | 5,174 |
| Net loans and leases to core deposits | 74.5020% | 5,444 |
| Total domestic deposits to total assets | 82.6812% | 4,765 |
| Equity capital to assets | 11.7827% | 2,178 |
| Core capital (leverage) ratio | 11.5931% | 1,860 |
| Tier 1 risk-based capital ratio | 20.6670% | 1,398 |
| Total risk-based capital ratio | 21.5924% | 1,423 |
| Memoranda: | ||
| Average total assets | $282,718,500 | 2,371 |
| Average earning assets | $262,716,500 | 2,333 |
| Average equity | $33,040,500 | 2,032 |
| Average total loans | $167,040,000 | 2,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 7,214 |
| Cost of funding earning assets | 1.6387% | 4,851 |
| Net interest margin | 3.0119% | 6,615 |
| Noninterest income to average assets | 0.5642% | 3,910 |
| Noninterest expense to average assets | 2.3570% | 6,581 |
| Loan and lease loss provision to assets | 0.1222% | 6,418 |
| Net operating income to assets | 0.5962% | 3,343 |
| Return on assets (ROA) | 0.5982% | 3,414 |
| Pretax return on assets | 0.8909% | 2,954 |
| Return on Equity (ROE) | 5.0925% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.0925% | 1,773 |
| Net charge-offs to loans | 0.0942% | 6,189 |
| Credit loss provision to net charge-offs | 215.6863% | 1,772 |
| Earnings coverage of net charge-offs (x) | 17.8235% | 1,166 |
| Efficiency ratio | 70.0000% | 4,632 |
| Assets per employee ($millions) | 5.1451% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 7,051 |
| Loan loss allowance to noncurrent loans | 65.4485% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 5,614 |
| Noncurrent loans to loans | 1.2654% | 4,821 |
| Net loans and leases to total assets | 58.3523% | 5,599 |
| Net loans and leases to deposits | 70.3703% | 5,559 |
| Net loans and leases to core deposits | 81.0140% | 5,996 |
| Total domestic deposits to total assets | 82.9218% | 4,556 |
| Equity capital to assets | 11.5909% | 2,251 |
| Core capital (leverage) ratio | 11.5093% | 1,913 |
| Tier 1 risk-based capital ratio | 21.6012% | 1,202 |
| Total risk-based capital ratio | 22.5408% | 1,222 |
| Memoranda: | ||
| Average total assets | $269,962,000 | 2,418 |
| Average earning assets | $251,233,000 | 2,389 |
| Average equity | $31,713,000 | 2,111 |
| Average total loans | $162,498,400 | 2,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 7,262 |
| Cost of funding earning assets | 1.7396% | 4,698 |
| Net interest margin | 2.9744% | 6,673 |
| Noninterest income to average assets | 0.5704% | 3,920 |
| Noninterest expense to average assets | 2.3791% | 6,478 |
| Loan and lease loss provision to assets | 0.1250% | 6,102 |
| Net operating income to assets | 0.5243% | 3,884 |
| Return on assets (ROA) | 0.5269% | 3,965 |
| Pretax return on assets | 0.8424% | 3,406 |
| Return on Equity (ROE) | 4.4696% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.4696% | 2,776 |
| Net charge-offs to loans | 0.1255% | 5,442 |
| Credit loss provision to net charge-offs | 164.4737% | 2,861 |
| Earnings coverage of net charge-offs (x) | 12.6777% | 1,736 |
| Efficiency ratio | 71.1786% | 4,392 |
| Assets per employee ($millions) | 5.0484% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 7,132 |
| Loan loss allowance to noncurrent loans | 59.2441% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 5,535 |
| Noncurrent loans to loans | 1.3452% | 4,685 |
| Net loans and leases to total assets | 58.3238% | 5,842 |
| Net loans and leases to deposits | 70.1340% | 5,899 |
| Net loans and leases to core deposits | 80.3831% | 6,320 |
| Total domestic deposits to total assets | 83.1605% | 4,142 |
| Equity capital to assets | 11.6411% | 2,475 |
| Core capital (leverage) ratio | 11.2524% | 2,220 |
| Tier 1 risk-based capital ratio | 21.8995% | 1,235 |
| Total risk-based capital ratio | 22.8143% | 1,259 |
| Memoranda: | ||
| Average total assets | $266,707,250 | 2,460 |
| Average earning assets | $248,561,750 | 2,438 |
| Average equity | $31,441,250 | 2,146 |
| Average total loans | $161,496,750 | 2,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 7,154 |
| Cost of funding earning assets | 1.8497% | 4,511 |
| Net interest margin | 2.9878% | 6,588 |
| Noninterest income to average assets | 0.5679% | 3,911 |
| Noninterest expense to average assets | 2.4846% | 6,169 |
| Loan and lease loss provision to assets | 0.1216% | 5,897 |
| Net operating income to assets | 0.4768% | 4,188 |
| Return on assets (ROA) | 0.4797% | 4,286 |
| Pretax return on assets | 0.7466% | 3,842 |
| Return on Equity (ROE) | 4.0517% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.0517% | 3,033 |
| Net charge-offs to loans | 0.1367% | 4,799 |
| Credit loss provision to net charge-offs | 145.4545% | 3,181 |
| Earnings coverage of net charge-offs (x) | 10.3273% | 2,007 |
| Efficiency ratio | 74.2053% | 4,007 |
| Assets per employee ($millions) | 4.7608% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 7,217 |
| Loan loss allowance to noncurrent loans | 66.0517% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 5,661 |
| Noncurrent loans to loans | 1.1819% | 4,856 |
| Net loans and leases to total assets | 58.6833% | 5,877 |
| Net loans and leases to deposits | 70.8569% | 5,890 |
| Net loans and leases to core deposits | 81.4958% | 6,285 |
| Total domestic deposits to total assets | 82.8194% | 4,320 |
| Equity capital to assets | 11.6305% | 2,445 |
| Core capital (leverage) ratio | 11.5891% | 2,042 |
| Tier 1 risk-based capital ratio | 22.0580% | 1,246 |
| Total risk-based capital ratio | 22.9577% | 1,269 |
| Memoranda: | ||
| Average total assets | $263,055,670 | 2,505 |
| Average earning assets | $244,793,000 | 2,476 |
| Average equity | $31,147,330 | 2,175 |
| Average total loans | $160,914,330 | 2,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 7,107 |
| Cost of funding earning assets | 1.9339% | 4,470 |
| Net interest margin | 2.9945% | 6,492 |
| Noninterest income to average assets | 0.5315% | 4,049 |
| Noninterest expense to average assets | 2.2912% | 6,567 |
| Loan and lease loss provision to assets | 0.0927% | 5,770 |
| Net operating income to assets | 0.6443% | 3,815 |
| Return on assets (ROA) | 0.6443% | 3,997 |
| Pretax return on assets | 0.9610% | 3,496 |
| Return on Equity (ROE) | 5.3910% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,913 |
| Net charge-offs to loans | 0.0621% | 4,585 |
| Credit loss provision to net charge-offs | 240.0000% | 1,936 |
| Earnings coverage of net charge-offs (x) | 27.2800% | 1,143 |
| Efficiency ratio | 68.4988% | 4,867 |
| Assets per employee ($millions) | 4.6554% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 7,250 |
| Loan loss allowance to noncurrent loans | 66.7745% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 5,377 |
| Noncurrent loans to loans | 1.1528% | 4,684 |
| Net loans and leases to total assets | 61.2146% | 5,463 |
| Net loans and leases to deposits | 73.7443% | 5,513 |
| Net loans and leases to core deposits | 84.7429% | 6,001 |
| Total domestic deposits to total assets | 83.0093% | 4,143 |
| Equity capital to assets | 12.0042% | 2,258 |
| Core capital (leverage) ratio | 11.8745% | 1,958 |
| Tier 1 risk-based capital ratio | 22.3448% | 1,261 |
| Total risk-based capital ratio | 23.2515% | 1,274 |
| Memoranda: | ||
| Average total assets | $258,901,000 | 2,562 |
| Average earning assets | $243,243,000 | 2,507 |
| Average equity | $30,940,500 | 2,194 |
| Average total loans | $161,122,000 | 2,826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2842% | 7,617 |
| Cost of funding earning assets | 2.3686% | 4,860 |
| Net interest margin | 2.9156% | 7,119 |
| Noninterest income to average assets | 0.5191% | 4,471 |
| Noninterest expense to average assets | 2.3837% | 6,455 |
| Loan and lease loss provision to assets | 0.1882% | 5,008 |
| Net operating income to assets | 0.5171% | 4,657 |
| Return on assets (ROA) | 0.5183% | 4,506 |
| Pretax return on assets | 0.7135% | 4,356 |
| Return on Equity (ROE) | 4.2782% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.8746% | 2,713 |
| Net charge-offs to loans | 0.1352% | 4,870 |
| Credit loss provision to net charge-offs | 216.9014% | 2,218 |
| Earnings coverage of net charge-offs (x) | 10.3709% | 2,521 |
| Efficiency ratio | 72.5897% | 3,829 |
| Assets per employee ($millions) | 4.9443% | 2,002 |
| Cash dividends to net income (ytd only)* | 9.4340% | 4,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 7,308 |
| Loan loss allowance to noncurrent loans | 57.9759% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 4,828 |
| Noncurrent loans to loans | 1.2855% | 3,942 |
| Net loans and leases to total assets | 62.3164% | 5,575 |
| Net loans and leases to deposits | 75.0198% | 5,728 |
| Net loans and leases to core deposits | 85.9440% | 6,134 |
| Total domestic deposits to total assets | 83.0666% | 3,738 |
| Equity capital to assets | 11.8965% | 2,357 |
| Core capital (leverage) ratio | 11.9791% | 1,972 |
| Tier 1 risk-based capital ratio | 22.2415% | 1,288 |
| Total risk-based capital ratio | 23.1300% | 1,295 |
| Memoranda: | ||
| Average total assets | $245,421,800 | 2,599 |
| Average earning assets | $232,711,400 | 2,531 |
| Average equity | $29,731,800 | 2,277 |
| Average total loans | $157,501,400 | 2,810 |