Home > Hawaii National Bank > Performance and Condition Ratios
Hawaii National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 2,381 |
| Cost of funding earning assets | 0.3790% | 4,309 |
| Net interest margin | 4.4703% | 641 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 3.5445% | 550 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0515% | 2,062 |
| Return on assets (ROA) | 0.7886% | 2,884 |
| Pretax return on assets | 1.0657% | 2,502 |
| Return on Equity (ROE) | 9.2400% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.2367% | 1,199 |
| Net charge-offs to loans | 0.0799% | 1,062 |
| Credit loss provision to net charge-offs | 67.0423% | 2,110 |
| Earnings coverage of net charge-offs (x) | 33.1944% | 1,569 |
| Efficiency ratio | 70.9288% | 1,769 |
| Assets per employee ($millions) | 5.5759% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 1,524 |
| Loan loss allowance to noncurrent loans | 341.6991% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,095 |
| Noncurrent loans to loans | 0.3999% | 1,785 |
| Net loans and leases to total assets | 55.7100% | 3,220 |
| Net loans and leases to deposits | 62.1928% | 3,393 |
| Net loans and leases to core deposits | 65.9076% | 3,503 |
| Total domestic deposits to total assets | 89.5700% | 887 |
| Equity capital to assets | 9.3948% | 2,430 |
| Core capital (leverage) ratio | 9.8083% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3759% | 850 |
| Memoranda: | ||
| Average total assets | $811,143,600 | 1,165 |
| Average earning assets | $760,241,400 | 1,154 |
| Average equity | $69,256,400 | 1,258 |
| Average total loans | $444,074,400 | 1,360 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 2,376 |
| Cost of funding earning assets | 0.2787% | 4,384 |
| Net interest margin | 4.4701% | 648 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 3.4262% | 609 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.1854% | 1,832 |
| Return on assets (ROA) | 0.8364% | 2,892 |
| Pretax return on assets | 1.1266% | 2,487 |
| Return on Equity (ROE) | 10.0400% | 2,627 |
| Retained earnings to average equity (ytd only) | 10.0425% | 1,389 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0505% | 2,009 |
| Assets per employee ($millions) | 5.3348% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,478 |
| Loan loss allowance to noncurrent loans | 196.2264% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 1,423 |
| Noncurrent loans to loans | 0.7088% | 1,168 |
| Net loans and leases to total assets | 56.4100% | 3,166 |
| Net loans and leases to deposits | 62.2929% | 3,386 |
| Net loans and leases to core deposits | 65.7869% | 3,442 |
| Total domestic deposits to total assets | 90.5600% | 786 |
| Equity capital to assets | 8.6630% | 2,620 |
| Core capital (leverage) ratio | 9.6635% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0850% | 941 |
| Memoranda: | ||
| Average total assets | $814,592,750 | 1,163 |
| Average earning assets | $761,596,250 | 1,152 |
| Average equity | $67,843,250 | 1,268 |
| Average total loans | $442,506,250 | 1,357 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 2,312 |
| Cost of funding earning assets | 0.2164% | 4,415 |
| Net interest margin | 4.4311% | 676 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 3.2739% | 710 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2676% | 1,646 |
| Return on assets (ROA) | 0.7506% | 3,233 |
| Pretax return on assets | 1.0098% | 2,885 |
| Return on Equity (ROE) | 9.1300% | 2,947 |
| Retained earnings to average equity (ytd only) | 9.1282% | 1,654 |
| Net charge-offs to loans | -0.0018% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.3690% | 2,326 |
| Assets per employee ($millions) | 5.5811% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,445 |
| Loan loss allowance to noncurrent loans | 290.5448% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 1,807 |
| Noncurrent loans to loans | 0.4894% | 1,493 |
| Net loans and leases to total assets | 56.0500% | 3,119 |
| Net loans and leases to deposits | 61.8925% | 3,314 |
| Net loans and leases to core deposits | 65.3497% | 3,387 |
| Total domestic deposits to total assets | 90.5600% | 764 |
| Equity capital to assets | 8.7118% | 2,711 |
| Core capital (leverage) ratio | 9.2751% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6263% | 1,011 |
| Memoranda: | ||
| Average total assets | $824,716,667 | 1,152 |
| Average earning assets | $769,741,000 | 1,142 |
| Average equity | $67,812,000 | 1,267 |
| Average total loans | $440,466,333 | 1,346 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 2,506 |
| Cost of funding earning assets | 0.1459% | 4,463 |
| Net interest margin | 4.2722% | 852 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.1732% | 835 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.1818% | 1,985 |
| Return on assets (ROA) | 1.1818% | 1,946 |
| Pretax return on assets | 1.5985% | 1,463 |
| Return on Equity (ROE) | 14.7900% | 1,599 |
| Retained earnings to average equity (ytd only) | 14.7924% | 830 |
| Net charge-offs to loans | -0.0018% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7827% | 2,358 |
| Assets per employee ($millions) | 5.9645% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,384 |
| Loan loss allowance to noncurrent loans | 282.6821% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 1,784 |
| Noncurrent loans to loans | 0.5179% | 1,429 |
| Net loans and leases to total assets | 51.6900% | 3,364 |
| Net loans and leases to deposits | 56.8875% | 3,517 |
| Net loans and leases to core deposits | 59.6420% | 3,557 |
| Total domestic deposits to total assets | 90.8600% | 842 |
| Equity capital to assets | 8.3066% | 3,033 |
| Core capital (leverage) ratio | 8.9238% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0603% | 986 |
| Memoranda: | ||
| Average total assets | $838,025,000 | 1,152 |
| Average earning assets | $784,325,000 | 1,137 |
| Average equity | $66,953,500 | 1,289 |
| Average total loans | $433,799,500 | 1,371 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1027% | 3,986 |
| Cost of funding earning assets | 0.0622% | 4,537 |
| Net interest margin | 3.0405% | 3,327 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 3.0794% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3796% | 4,263 |
| Return on assets (ROA) | 0.3796% | 4,229 |
| Pretax return on assets | 0.5091% | 4,163 |
| Return on Equity (ROE) | 5.1000% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.0989% | 3,005 |
| Net charge-offs to loans | -0.0066% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.8131% | 426 |
| Assets per employee ($millions) | 6.0935% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,322 |
| Loan loss allowance to noncurrent loans | 269.6192% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 1,776 |
| Noncurrent loans to loans | 0.5401% | 1,365 |
| Net loans and leases to total assets | 50.3500% | 3,478 |
| Net loans and leases to deposits | 55.0505% | 3,626 |
| Net loans and leases to core deposits | 57.7499% | 3,630 |
| Total domestic deposits to total assets | 91.4600% | 789 |
| Equity capital to assets | 7.6789% | 3,270 |
| Core capital (leverage) ratio | 8.1292% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5820% | 1,042 |
| Memoranda: | ||
| Average total assets | $882,143,000 | 1,094 |
| Average earning assets | $832,427,400 | 1,074 |
| Average equity | $65,680,200 | 1,313 |
| Average total loans | $423,311,400 | 1,329 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7239% | 4,274 |
| Cost of funding earning assets | 0.0505% | 4,578 |
| Net interest margin | 2.6734% | 3,984 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 3.0146% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1529% | 4,509 |
| Return on assets (ROA) | 0.1529% | 4,479 |
| Pretax return on assets | 0.1962% | 4,464 |
| Return on Equity (ROE) | 2.0700% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.0696% | 4,015 |
| Net charge-offs to loans | -0.0073% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.8895% | 233 |
| Assets per employee ($millions) | 6.2033% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,350 |
| Loan loss allowance to noncurrent loans | 265.8784% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 1,896 |
| Noncurrent loans to loans | 0.5568% | 1,429 |
| Net loans and leases to total assets | 46.9000% | 3,714 |
| Net loans and leases to deposits | 50.6235% | 3,812 |
| Net loans and leases to core deposits | 54.7030% | 3,707 |
| Total domestic deposits to total assets | 92.6500% | 671 |
| Equity capital to assets | 6.9427% | 3,545 |
| Core capital (leverage) ratio | 7.6896% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3623% | 1,109 |
| Memoranda: | ||
| Average total assets | $890,931,000 | 1,091 |
| Average earning assets | $841,802,750 | 1,070 |
| Average equity | $65,840,250 | 1,319 |
| Average total loans | $420,956,500 | 1,327 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4961% | 4,376 |
| Cost of funding earning assets | 0.0411% | 4,646 |
| Net interest margin | 2.4550% | 4,154 |
| Noninterest income to average assets | 0.6846% | 1,411 |
| Noninterest expense to average assets | 2.9537% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0488% | 4,555 |
| Return on assets (ROA) | 0.0488% | 4,522 |
| Pretax return on assets | 0.0541% | 4,515 |
| Return on Equity (ROE) | 0.6467% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.6467% | 4,066 |
| Net charge-offs to loans | -0.0072% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1997% | 213 |
| Assets per employee ($millions) | 5.9019% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,369 |
| Loan loss allowance to noncurrent loans | 264.8694% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 1,963 |
| Noncurrent loans to loans | 0.5714% | 1,481 |
| Net loans and leases to total assets | 46.5288% | 3,678 |
| Net loans and leases to deposits | 50.4298% | 3,791 |
| Net loans and leases to core deposits | 53.2044% | 3,745 |
| Total domestic deposits to total assets | 92.2643% | 740 |
| Equity capital to assets | 7.3829% | 3,543 |
| Core capital (leverage) ratio | 7.6374% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6739% | 1,040 |
| Memoranda: | ||
| Average total assets | $890,148,000 | 1,085 |
| Average earning assets | $842,369,000 | 1,073 |
| Average equity | $67,114,333 | 1,324 |
| Average total loans | $419,522,667 | 1,329 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3463% | 4,421 |
| Cost of funding earning assets | 0.0381% | 4,671 |
| Net interest margin | 2.3082% | 4,226 |
| Noninterest income to average assets | 0.6459% | 1,510 |
| Noninterest expense to average assets | 2.9078% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0442% | 4,565 |
| Return on assets (ROA) | -0.0442% | 4,546 |
| Pretax return on assets | -0.0724% | 4,556 |
| Return on Equity (ROE) | -0.5806% | 4,565 |
| Retained earnings to average equity (ytd only) | -0.5806% | 4,095 |
| Net charge-offs to loans | -0.0095% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5520% | 208 |
| Assets per employee ($millions) | 5.8039% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 1,562 |
| Loan loss allowance to noncurrent loans | 263.2174% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 2,085 |
| Noncurrent loans to loans | 0.5682% | 1,619 |
| Net loans and leases to total assets | 46.0021% | 3,576 |
| Net loans and leases to deposits | 49.8614% | 3,741 |
| Net loans and leases to core deposits | 52.5167% | 3,695 |
| Total domestic deposits to total assets | 92.2598% | 484 |
| Equity capital to assets | 7.4288% | 3,977 |
| Core capital (leverage) ratio | 7.5904% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8340% | 1,073 |
| Memoranda: | ||
| Average total assets | $895,530,500 | 1,086 |
| Average earning assets | $849,502,000 | 1,071 |
| Average equity | $68,209,500 | 1,355 |
| Average total loans | $421,557,000 | 1,322 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 3,927 |
| Cost of funding earning assets | 0.0370% | 4,739 |
| Net interest margin | 2.9309% | 3,371 |
| Noninterest income to average assets | 0.7536% | 1,584 |
| Noninterest expense to average assets | 3.2007% | 726 |
| Loan and lease loss provision to assets | 0.0470% | 2,119 |
| Net operating income to assets | 0.2228% | 4,512 |
| Return on assets (ROA) | 0.2228% | 4,530 |
| Pretax return on assets | 0.2777% | 4,510 |
| Return on Equity (ROE) | 2.7312% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.7312% | 3,748 |
| Net charge-offs to loans | 0.0701% | 1,090 |
| Credit loss provision to net charge-offs | 118.3432% | 1,657 |
| Earnings coverage of net charge-offs (x) | 8.1775% | 2,313 |
| Efficiency ratio | 90.7897% | 305 |
| Assets per employee ($millions) | 5.7145% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,622 |
| Loan loss allowance to noncurrent loans | 259.2149% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 2,191 |
| Noncurrent loans to loans | 0.5721% | 1,711 |
| Net loans and leases to total assets | 46.7461% | 3,627 |
| Net loans and leases to deposits | 50.8853% | 3,822 |
| Net loans and leases to core deposits | 53.6078% | 3,785 |
| Total domestic deposits to total assets | 91.8656% | 218 |
| Equity capital to assets | 7.8062% | 4,466 |
| Core capital (leverage) ratio | 7.6969% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7703% | 929 |
| Memoranda: | ||
| Average total assets | $851,251,800 | 1,089 |
| Average earning assets | $805,053,400 | 1,081 |
| Average equity | $69,457,200 | 1,358 |
| Average total loans | $482,111,600 | 1,194 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1057% | 3,791 |
| Cost of funding earning assets | 0.0364% | 4,826 |
| Net interest margin | 3.0693% | 3,129 |
| Noninterest income to average assets | 0.7570% | 1,651 |
| Noninterest expense to average assets | 3.1717% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3807% | 4,400 |
| Return on assets (ROA) | 0.3807% | 4,434 |
| Pretax return on assets | 0.4847% | 4,388 |
| Return on Equity (ROE) | 4.6131% | 4,202 |
| Retained earnings to average equity (ytd only) | 4.6131% | 3,366 |
| Net charge-offs to loans | -0.0056% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7441% | 411 |
| Assets per employee ($millions) | 5.5342% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 2,058 |
| Loan loss allowance to noncurrent loans | 8,902.8571% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,196 |
| Noncurrent loans to loans | 0.0156% | 4,085 |
| Net loans and leases to total assets | 51.1197% | 3,289 |
| Net loans and leases to deposits | 55.8780% | 3,585 |
| Net loans and leases to core deposits | 58.9839% | 3,549 |
| Total domestic deposits to total assets | 91.4845% | 237 |
| Equity capital to assets | 8.1543% | 4,436 |
| Core capital (leverage) ratio | 7.8902% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7034% | 1,190 |
| Memoranda: | ||
| Average total assets | $841,199,750 | 1,110 |
| Average earning assets | $794,645,000 | 1,104 |
| Average equity | $69,424,250 | 1,372 |
| Average total loans | $496,890,500 | 1,190 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1408% | 3,784 |
| Cost of funding earning assets | 0.0353% | 4,867 |
| Net interest margin | 3.1055% | 3,018 |
| Noninterest income to average assets | 0.7189% | 1,749 |
| Noninterest expense to average assets | 3.1417% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3979% | 4,384 |
| Return on assets (ROA) | 0.3979% | 4,425 |
| Pretax return on assets | 0.5095% | 4,379 |
| Return on Equity (ROE) | 4.8018% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.8018% | 3,258 |
| Net charge-offs to loans | -0.0047% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 476 |
| Assets per employee ($millions) | 5.4548% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.6612% | 2,939 |
| Net loans and leases to deposits | 60.6796% | 3,329 |
| Net loans and leases to core deposits | 64.5542% | 3,239 |
| Total domestic deposits to total assets | 91.7296% | 184 |
| Equity capital to assets | 7.9104% | 4,577 |
| Core capital (leverage) ratio | 7.8462% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4327% | 1,241 |
| Memoranda: | ||
| Average total assets | $833,820,000 | 1,113 |
| Average earning assets | $787,320,000 | 1,106 |
| Average equity | $69,099,333 | 1,371 |
| Average total loans | $513,331,333 | 1,160 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 3,356 |
| Cost of funding earning assets | 0.0335% | 4,910 |
| Net interest margin | 3.3100% | 2,362 |
| Noninterest income to average assets | 0.6399% | 2,064 |
| Noninterest expense to average assets | 3.1599% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4530% | 4,268 |
| Return on assets (ROA) | 0.4530% | 4,304 |
| Pretax return on assets | 0.6033% | 4,188 |
| Return on Equity (ROE) | 5.3335% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.3335% | 3,116 |
| Net charge-offs to loans | -0.0046% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9685% | 597 |
| Assets per employee ($millions) | 5.1587% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.0270% | 2,284 |
| Net loans and leases to deposits | 67.8822% | 2,715 |
| Net loans and leases to core deposits | 71.4180% | 2,753 |
| Total domestic deposits to total assets | 91.3746% | 269 |
| Equity capital to assets | 8.2409% | 4,334 |
| Core capital (leverage) ratio | 8.4117% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0069% | 1,285 |
| Memoranda: | ||
| Average total assets | $808,894,000 | 1,129 |
| Average earning assets | $763,274,000 | 1,120 |
| Average equity | $68,698,000 | 1,368 |
| Average total loans | $520,954,500 | 1,152 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 3,359 |
| Cost of funding earning assets | 0.0522% | 4,938 |
| Net interest margin | 3.7280% | 1,713 |
| Noninterest income to average assets | 0.7242% | 1,769 |
| Noninterest expense to average assets | 3.7056% | 522 |
| Loan and lease loss provision to assets | 0.1392% | 2,617 |
| Net operating income to assets | 0.2877% | 4,450 |
| Return on assets (ROA) | 0.2877% | 4,515 |
| Pretax return on assets | 0.3622% | 4,464 |
| Return on Equity (ROE) | 3.0725% | 4,359 |
| Retained earnings to average equity (ytd only) | 3.0725% | 3,313 |
| Net charge-offs to loans | -0.0070% | 4,193 |
| Credit loss provision to net charge-offs | -2,857.1429% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0821% | 444 |
| Assets per employee ($millions) | 4.7688% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.3535% | 2,177 |
| Net loans and leases to deposits | 71.9346% | 2,686 |
| Net loans and leases to core deposits | 77.3922% | 2,606 |
| Total domestic deposits to total assets | 90.8513% | 260 |
| Equity capital to assets | 8.7621% | 4,249 |
| Core capital (leverage) ratio | 8.5933% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9556% | 1,547 |
| Memoranda: | ||
| Average total assets | $718,206,000 | 1,151 |
| Average earning assets | $670,975,800 | 1,151 |
| Average equity | $67,242,000 | 1,337 |
| Average total loans | $501,800,200 | 1,138 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,309 |
| Cost of funding earning assets | 0.0574% | 4,979 |
| Net interest margin | 3.8265% | 1,552 |
| Noninterest income to average assets | 0.7974% | 1,505 |
| Noninterest expense to average assets | 3.7436% | 489 |
| Loan and lease loss provision to assets | 0.1519% | 2,492 |
| Net operating income to assets | 0.3721% | 4,318 |
| Return on assets (ROA) | 0.3721% | 4,378 |
| Pretax return on assets | 0.4712% | 4,340 |
| Return on Equity (ROE) | 3.9050% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.9050% | 3,097 |
| Net charge-offs to loans | -0.0072% | 4,149 |
| Credit loss provision to net charge-offs | -2,962.9630% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7298% | 514 |
| Assets per employee ($millions) | 4.5440% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.1411% | 1,795 |
| Net loans and leases to deposits | 78.7168% | 2,456 |
| Net loans and leases to core deposits | 81.5115% | 2,698 |
| Total domestic deposits to total assets | 90.3760% | 315 |
| Equity capital to assets | 9.2148% | 3,942 |
| Core capital (leverage) ratio | 8.9814% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7251% | 1,582 |
| Memoranda: | ||
| Average total assets | $702,238,750 | 1,159 |
| Average earning assets | $655,025,750 | 1,152 |
| Average equity | $66,921,000 | 1,325 |
| Average total loans | $497,919,250 | 1,131 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,672 |
| Cost of funding earning assets | 0.0684% | 5,010 |
| Net interest margin | 3.8134% | 1,801 |
| Noninterest income to average assets | 0.8717% | 1,234 |
| Noninterest expense to average assets | 3.7350% | 543 |
| Loan and lease loss provision to assets | 0.0870% | 3,191 |
| Net operating income to assets | 0.4743% | 4,077 |
| Return on assets (ROA) | 0.4743% | 4,141 |
| Pretax return on assets | 0.6104% | 4,040 |
| Return on Equity (ROE) | 4.9190% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.9190% | 2,517 |
| Net charge-offs to loans | -0.0078% | 4,138 |
| Credit loss provision to net charge-offs | -1,578.9474% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2660% | 626 |
| Assets per employee ($millions) | 4.5762% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.4709% | 1,803 |
| Net loans and leases to deposits | 80.4955% | 2,369 |
| Net loans and leases to core deposits | 81.8443% | 2,788 |
| Total domestic deposits to total assets | 88.7887% | 827 |
| Equity capital to assets | 9.1053% | 3,993 |
| Core capital (leverage) ratio | 9.2081% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4725% | 1,641 |
| Memoranda: | ||
| Average total assets | $689,425,000 | 1,158 |
| Average earning assets | $643,735,333 | 1,151 |
| Average equity | $66,477,333 | 1,324 |
| Average total loans | $486,248,667 | 1,139 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,659 |
| Cost of funding earning assets | 0.0911% | 5,052 |
| Net interest margin | 3.9571% | 1,508 |
| Noninterest income to average assets | 1.0853% | 719 |
| Noninterest expense to average assets | 4.1163% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5027% | 3,888 |
| Return on assets (ROA) | 0.5027% | 3,949 |
| Pretax return on assets | 0.6485% | 3,813 |
| Return on Equity (ROE) | 5.0550% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.0550% | 2,252 |
| Net charge-offs to loans | -0.0087% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3890% | 677 |
| Assets per employee ($millions) | 4.0328% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,045 |
| Loan loss allowance to noncurrent loans | 106.9278% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 1,824 |
| Noncurrent loans to loans | 1.0571% | 1,566 |
| Net loans and leases to total assets | 69.0075% | 2,395 |
| Net loans and leases to deposits | 77.1414% | 2,963 |
| Net loans and leases to core deposits | 81.0146% | 3,109 |
| Total domestic deposits to total assets | 89.4559% | 485 |
| Equity capital to assets | 10.1002% | 3,689 |
| Core capital (leverage) ratio | 9.7313% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9331% | 1,927 |
| Memoranda: | ||
| Average total assets | $661,178,000 | 1,170 |
| Average earning assets | $614,797,500 | 1,161 |
| Average equity | $65,757,000 | 1,334 |
| Average total loans | $460,068,000 | 1,161 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 3,559 |
| Cost of funding earning assets | 0.0778% | 5,126 |
| Net interest margin | 4.2126% | 1,300 |
| Noninterest income to average assets | 1.0195% | 936 |
| Noninterest expense to average assets | 4.1335% | 454 |
| Loan and lease loss provision to assets | 0.0470% | 3,087 |
| Net operating income to assets | 0.5754% | 4,231 |
| Return on assets (ROA) | 0.5754% | 4,289 |
| Pretax return on assets | 0.7305% | 4,133 |
| Return on Equity (ROE) | 5.8414% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.8414% | 1,952 |
| Net charge-offs to loans | 0.0208% | 2,997 |
| Credit loss provision to net charge-offs | 315.7895% | 879 |
| Earnings coverage of net charge-offs (x) | 52.2842% | 1,095 |
| Efficiency ratio | 84.1684% | 644 |
| Assets per employee ($millions) | 4.0303% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,827 |
| Loan loss allowance to noncurrent loans | 108.7167% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 1,813 |
| Noncurrent loans to loans | 1.0320% | 1,470 |
| Net loans and leases to total assets | 68.5939% | 2,602 |
| Net loans and leases to deposits | 76.4431% | 3,137 |
| Net loans and leases to core deposits | 80.5069% | 3,255 |
| Total domestic deposits to total assets | 89.7319% | 412 |
| Equity capital to assets | 9.7924% | 4,111 |
| Core capital (leverage) ratio | 9.6476% | 3,903 |
| Tier 1 risk-based capital ratio | 13.1660% | 3,702 |
| Total risk-based capital ratio | 14.2916% | 3,648 |
| Memoranda: | ||
| Average total assets | $638,846,200 | 1,169 |
| Average earning assets | $590,154,600 | 1,175 |
| Average equity | $62,930,400 | 1,335 |
| Average total loans | $457,048,200 | 1,146 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 3,509 |
| Cost of funding earning assets | 0.0691% | 5,210 |
| Net interest margin | 4.2826% | 1,193 |
| Noninterest income to average assets | 1.0596% | 818 |
| Noninterest expense to average assets | 4.1618% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6537% | 4,150 |
| Return on assets (ROA) | 0.6537% | 4,201 |
| Pretax return on assets | 0.8456% | 4,024 |
| Return on Equity (ROE) | 6.6256% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.6256% | 2,041 |
| Net charge-offs to loans | 0.0301% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 38.9320% | 1,398 |
| Efficiency ratio | 83.1137% | 682 |
| Assets per employee ($millions) | 3.8786% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,330 |
| Loan loss allowance to noncurrent loans | 102.1611% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 1,860 |
| Noncurrent loans to loans | 1.0213% | 1,572 |
| Net loans and leases to total assets | 71.7256% | 2,216 |
| Net loans and leases to deposits | 80.0699% | 2,889 |
| Net loans and leases to core deposits | 84.3841% | 3,061 |
| Total domestic deposits to total assets | 89.5787% | 422 |
| Equity capital to assets | 9.9810% | 4,038 |
| Core capital (leverage) ratio | 9.8891% | 3,746 |
| Tier 1 risk-based capital ratio | 13.1134% | 3,792 |
| Total risk-based capital ratio | 14.1790% | 3,783 |
| Memoranda: | ||
| Average total assets | $632,306,750 | 1,177 |
| Average earning assets | $582,871,750 | 1,187 |
| Average equity | $62,383,000 | 1,340 |
| Average total loans | $455,978,250 | 1,155 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 3,283 |
| Cost of funding earning assets | 0.0619% | 5,259 |
| Net interest margin | 4.3559% | 1,024 |
| Noninterest income to average assets | 1.0193% | 845 |
| Noninterest expense to average assets | 4.1651% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6661% | 4,110 |
| Return on assets (ROA) | 0.6661% | 4,162 |
| Pretax return on assets | 0.8618% | 3,948 |
| Return on Equity (ROE) | 6.7783% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.7783% | 1,916 |
| Net charge-offs to loans | 0.0150% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 79.6471% | 819 |
| Efficiency ratio | 82.8564% | 742 |
| Assets per employee ($millions) | 3.6937% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,221 |
| Loan loss allowance to noncurrent loans | 101.5008% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 1,773 |
| Noncurrent loans to loans | 1.0572% | 1,551 |
| Net loans and leases to total assets | 73.7854% | 1,928 |
| Net loans and leases to deposits | 82.6973% | 2,651 |
| Net loans and leases to core deposits | 84.6167% | 3,065 |
| Total domestic deposits to total assets | 89.2235% | 582 |
| Equity capital to assets | 10.2542% | 3,742 |
| Core capital (leverage) ratio | 9.9306% | 3,661 |
| Tier 1 risk-based capital ratio | 13.1451% | 3,763 |
| Total risk-based capital ratio | 14.2499% | 3,744 |
| Memoranda: | ||
| Average total assets | $628,457,330 | 1,181 |
| Average earning assets | $578,201,000 | 1,190 |
| Average equity | $61,756,330 | 1,340 |
| Average total loans | $452,411,670 | 1,160 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 3,161 |
| Cost of funding earning assets | 0.0578% | 5,323 |
| Net interest margin | 4.3603% | 987 |
| Noninterest income to average assets | 0.9447% | 933 |
| Noninterest expense to average assets | 4.0053% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7202% | 3,873 |
| Return on assets (ROA) | 0.7202% | 3,920 |
| Pretax return on assets | 0.9353% | 3,657 |
| Return on Equity (ROE) | 7.4875% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.4875% | 1,850 |
| Net charge-offs to loans | -0.0241% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0697% | 962 |
| Assets per employee ($millions) | 3.6812% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,048 |
| Loan loss allowance to noncurrent loans | 3,998.4000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,762 |
| Noncurrent loans to loans | 0.0279% | 4,655 |
| Net loans and leases to total assets | 70.4712% | 2,408 |
| Net loans and leases to deposits | 78.5224% | 3,003 |
| Net loans and leases to core deposits | 81.5348% | 3,222 |
| Total domestic deposits to total assets | 89.7466% | 545 |
| Equity capital to assets | 9.8002% | 4,011 |
| Core capital (leverage) ratio | 9.5817% | 4,043 |
| Tier 1 risk-based capital ratio | 13.0539% | 3,849 |
| Total risk-based capital ratio | 14.1856% | 3,804 |
| Memoranda: | ||
| Average total assets | $634,261,000 | 1,173 |
| Average earning assets | $581,243,500 | 1,185 |
| Average equity | $61,008,000 | 1,353 |
| Average total loans | $448,576,500 | 1,175 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,954 |
| Cost of funding earning assets | 0.0385% | 5,373 |
| Net interest margin | 3.9863% | 2,033 |
| Noninterest income to average assets | 1.0218% | 904 |
| Noninterest expense to average assets | 4.2616% | 379 |
| Loan and lease loss provision to assets | 0.0313% | 3,558 |
| Net operating income to assets | 0.3355% | 4,968 |
| Return on assets (ROA) | 0.3355% | 4,961 |
| Pretax return on assets | 0.4243% | 4,915 |
| Return on Equity (ROE) | 3.6106% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.6106% | 3,600 |
| Net charge-offs to loans | -0.0124% | 4,552 |
| Credit loss provision to net charge-offs | -363.6364% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3425% | 328 |
| Assets per employee ($millions) | 3.7813% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,043 |
| Loan loss allowance to noncurrent loans | 4,142.5000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,789 |
| Noncurrent loans to loans | 0.0268% | 4,654 |
| Net loans and leases to total assets | 69.4136% | 2,673 |
| Net loans and leases to deposits | 77.0735% | 3,273 |
| Net loans and leases to core deposits | 80.0664% | 3,425 |
| Total domestic deposits to total assets | 90.0616% | 455 |
| Equity capital to assets | 9.4400% | 4,180 |
| Core capital (leverage) ratio | 9.2886% | 4,363 |
| Tier 1 risk-based capital ratio | 12.8531% | 3,936 |
| Total risk-based capital ratio | 13.9888% | 3,876 |
| Memoranda: | ||
| Average total assets | $639,430,000 | 1,136 |
| Average earning assets | $592,761,000 | 1,130 |
| Average equity | $59,409,000 | 1,333 |
| Average total loans | $443,694,000 | 1,157 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,951 |
| Cost of funding earning assets | 0.0396% | 5,441 |
| Net interest margin | 3.9541% | 2,111 |
| Noninterest income to average assets | 1.0191% | 925 |
| Noninterest expense to average assets | 4.1782% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4234% | 4,910 |
| Return on assets (ROA) | 0.4234% | 4,918 |
| Pretax return on assets | 0.5049% | 4,901 |
| Return on Equity (ROE) | 4.5758% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.5758% | 3,461 |
| Net charge-offs to loans | -0.0139% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2178% | 355 |
| Assets per employee ($millions) | 3.7025% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,351 |
| Loan loss allowance to noncurrent loans | 3,809.6000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,895 |
| Noncurrent loans to loans | 0.0281% | 4,769 |
| Net loans and leases to total assets | 70.7190% | 2,540 |
| Net loans and leases to deposits | 78.5270% | 3,188 |
| Net loans and leases to core deposits | 81.7288% | 3,348 |
| Total domestic deposits to total assets | 90.0569% | 494 |
| Equity capital to assets | 9.5598% | 4,026 |
| Core capital (leverage) ratio | 9.2769% | 4,425 |
| Tier 1 risk-based capital ratio | 12.8300% | 4,000 |
| Total risk-based capital ratio | 13.9245% | 3,995 |
| Memoranda: | ||
| Average total assets | $639,526,250 | 1,135 |
| Average earning assets | $592,619,750 | 1,129 |
| Average equity | $59,179,750 | 1,338 |
| Average total loans | $442,478,750 | 1,157 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,101 |
| Cost of funding earning assets | 0.0431% | 5,499 |
| Net interest margin | 3.8471% | 2,396 |
| Noninterest income to average assets | 1.0044% | 951 |
| Noninterest expense to average assets | 4.1412% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3694% | 5,020 |
| Return on assets (ROA) | 0.3694% | 5,021 |
| Pretax return on assets | 0.4317% | 5,012 |
| Return on Equity (ROE) | 4.0349% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.0349% | 3,599 |
| Net charge-offs to loans | -0.0122% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5598% | 351 |
| Assets per employee ($millions) | 3.7616% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,474 |
| Loan loss allowance to noncurrent loans | 3,620.6107% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,925 |
| Noncurrent loans to loans | 0.0293% | 4,789 |
| Net loans and leases to total assets | 69.5833% | 2,641 |
| Net loans and leases to deposits | 77.0507% | 3,250 |
| Net loans and leases to core deposits | 80.6820% | 3,357 |
| Total domestic deposits to total assets | 90.3085% | 461 |
| Equity capital to assets | 9.2907% | 4,290 |
| Core capital (leverage) ratio | 9.1100% | 4,572 |
| Tier 1 risk-based capital ratio | 12.4653% | 4,205 |
| Total risk-based capital ratio | 13.5422% | 4,194 |
| Memoranda: | ||
| Average total assets | $645,361,000 | 1,130 |
| Average earning assets | $598,628,330 | 1,121 |
| Average equity | $59,085,000 | 1,342 |
| Average total loans | $441,755,000 | 1,161 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 4,069 |
| Cost of funding earning assets | 0.0451% | 5,561 |
| Net interest margin | 3.8103% | 2,383 |
| Noninterest income to average assets | 0.9911% | 928 |
| Noninterest expense to average assets | 4.0591% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3857% | 4,952 |
| Return on assets (ROA) | 0.3857% | 4,960 |
| Pretax return on assets | 0.4651% | 4,933 |
| Return on Equity (ROE) | 4.2439% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.2439% | 3,491 |
| Net charge-offs to loans | -0.0109% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7199% | 455 |
| Assets per employee ($millions) | 3.7654% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,546 |
| Loan loss allowance to noncurrent loans | 16,303.4483% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,118 |
| Noncurrent loans to loans | 0.0066% | 4,987 |
| Net loans and leases to total assets | 68.6775% | 2,676 |
| Net loans and leases to deposits | 76.0094% | 3,212 |
| Net loans and leases to core deposits | 81.6829% | 3,170 |
| Total domestic deposits to total assets | 90.3539% | 519 |
| Equity capital to assets | 9.2974% | 4,267 |
| Core capital (leverage) ratio | 8.8606% | 4,837 |
| Tier 1 risk-based capital ratio | 12.5183% | 4,226 |
| Total risk-based capital ratio | 13.6073% | 4,229 |
| Memoranda: | ||
| Average total assets | $650,186,500 | 1,134 |
| Average earning assets | $602,890,500 | 1,128 |
| Average equity | $59,096,500 | 1,348 |
| Average total loans | $439,087,000 | 1,171 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,391 |
| Cost of funding earning assets | 0.0574% | 5,600 |
| Net interest margin | 3.6200% | 3,102 |
| Noninterest income to average assets | 0.9240% | 1,207 |
| Noninterest expense to average assets | 3.8933% | 618 |
| Loan and lease loss provision to assets | 0.0491% | 3,239 |
| Net operating income to assets | 0.2729% | 4,981 |
| Return on assets (ROA) | 0.2729% | 4,995 |
| Pretax return on assets | 0.3399% | 5,169 |
| Return on Equity (ROE) | 3.1044% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.1044% | 3,436 |
| Net charge-offs to loans | -0.0037% | 4,594 |
| Credit loss provision to net charge-offs | -2,031.2500% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9155% | 385 |
| Assets per employee ($millions) | 3.8606% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,445 |
| Loan loss allowance to noncurrent loans | 11,790.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 5,159 |
| Noncurrent loans to loans | 0.0092% | 5,008 |
| Net loans and leases to total assets | 65.0130% | 3,224 |
| Net loans and leases to deposits | 71.6840% | 3,733 |
| Net loans and leases to core deposits | 78.9993% | 3,503 |
| Total domestic deposits to total assets | 90.6938% | 337 |
| Equity capital to assets | 8.8896% | 4,826 |
| Core capital (leverage) ratio | 8.5151% | 5,127 |
| Tier 1 risk-based capital ratio | 12.5542% | 4,174 |
| Total risk-based capital ratio | 13.6568% | 4,169 |
| Memoranda: | ||
| Average total assets | $661,390,600 | 1,102 |
| Average earning assets | $613,589,200 | 1,097 |
| Average equity | $58,142,400 | 1,350 |
| Average total loans | $429,714,600 | 1,165 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 4,420 |
| Cost of funding earning assets | 0.0590% | 5,664 |
| Net interest margin | 3.6018% | 3,142 |
| Noninterest income to average assets | 0.9097% | 1,244 |
| Noninterest expense to average assets | 3.7765% | 697 |
| Loan and lease loss provision to assets | 0.0656% | 2,757 |
| Net operating income to assets | 0.3031% | 5,211 |
| Return on assets (ROA) | 0.3031% | 5,231 |
| Pretax return on assets | 0.4084% | 5,172 |
| Return on Equity (ROE) | 3.4575% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.4575% | 3,868 |
| Net charge-offs to loans | -0.0047% | 4,448 |
| Credit loss provision to net charge-offs | -2,166.6667% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8483% | 458 |
| Assets per employee ($millions) | 3.8791% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,587 |
| Loan loss allowance to noncurrent loans | 1,099.0676% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,904 |
| Noncurrent loans to loans | 0.0985% | 4,671 |
| Net loans and leases to total assets | 66.0961% | 3,090 |
| Net loans and leases to deposits | 72.9386% | 3,674 |
| Net loans and leases to core deposits | 80.8890% | 3,383 |
| Total domestic deposits to total assets | 90.6188% | 289 |
| Equity capital to assets | 9.0481% | 4,875 |
| Core capital (leverage) ratio | 8.7227% | 5,036 |
| Tier 1 risk-based capital ratio | 12.5548% | 4,286 |
| Total risk-based capital ratio | 13.6479% | 4,291 |
| Memoranda: | ||
| Average total assets | $660,732,500 | 1,108 |
| Average earning assets | $612,857,500 | 1,104 |
| Average equity | $57,920,750 | 1,368 |
| Average total loans | $428,039,000 | 1,176 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 4,426 |
| Cost of funding earning assets | 0.0615% | 5,700 |
| Net interest margin | 3.5707% | 3,145 |
| Noninterest income to average assets | 0.8895% | 1,303 |
| Noninterest expense to average assets | 3.6529% | 815 |
| Loan and lease loss provision to assets | 0.0979% | 2,049 |
| Net operating income to assets | 0.3257% | 5,160 |
| Return on assets (ROA) | 0.3257% | 5,180 |
| Pretax return on assets | 0.4466% | 5,089 |
| Return on Equity (ROE) | 3.7553% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.7553% | 3,458 |
| Net charge-offs to loans | -0.0056% | 4,366 |
| Credit loss provision to net charge-offs | -2,708.3333% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0280% | 603 |
| Assets per employee ($millions) | 3.8632% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,617 |
| Loan loss allowance to noncurrent loans | 1,011.1588% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 4,911 |
| Noncurrent loans to loans | 0.1082% | 4,687 |
| Net loans and leases to total assets | 64.8609% | 3,269 |
| Net loans and leases to deposits | 71.4929% | 3,785 |
| Net loans and leases to core deposits | 79.5527% | 3,453 |
| Total domestic deposits to total assets | 90.7236% | 292 |
| Equity capital to assets | 8.9031% | 4,984 |
| Core capital (leverage) ratio | 8.5851% | 5,156 |
| Tier 1 risk-based capital ratio | 12.4900% | 4,310 |
| Total risk-based capital ratio | 13.5859% | 4,285 |
| Memoranda: | ||
| Average total assets | $663,744,330 | 1,104 |
| Average earning assets | $614,899,000 | 1,103 |
| Average equity | $57,572,330 | 1,377 |
| Average total loans | $425,565,000 | 1,185 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5809% | 4,472 |
| Cost of funding earning assets | 0.0627% | 5,764 |
| Net interest margin | 3.5183% | 3,208 |
| Noninterest income to average assets | 0.8441% | 1,421 |
| Noninterest expense to average assets | 3.5795% | 920 |
| Loan and lease loss provision to assets | 0.1948% | 857 |
| Net operating income to assets | 0.2566% | 5,292 |
| Return on assets (ROA) | 0.2566% | 5,313 |
| Pretax return on assets | 0.3333% | 5,264 |
| Return on Equity (ROE) | 2.9970% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.9970% | 3,911 |
| Net charge-offs to loans | -0.0066% | 4,269 |
| Credit loss provision to net charge-offs | -4,642.8571% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1424% | 721 |
| Assets per employee ($millions) | 3.8718% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,679 |
| Loan loss allowance to noncurrent loans | 948.9919% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,782 |
| Noncurrent loans to loans | 0.1166% | 4,725 |
| Net loans and leases to total assets | 63.1539% | 3,381 |
| Net loans and leases to deposits | 69.6241% | 3,837 |
| Net loans and leases to core deposits | 79.1754% | 3,367 |
| Total domestic deposits to total assets | 90.7070% | 390 |
| Equity capital to assets | 8.6269% | 5,127 |
| Core capital (leverage) ratio | 8.3976% | 5,307 |
| Tier 1 risk-based capital ratio | 11.8063% | 4,844 |
| Total risk-based capital ratio | 12.8567% | 4,867 |
| Memoranda: | ||
| Average total assets | $667,246,000 | 1,100 |
| Average earning assets | $618,943,500 | 1,094 |
| Average equity | $57,123,500 | 1,383 |
| Average total loans | $423,007,500 | 1,194 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 4,741 |
| Cost of funding earning assets | 0.0623% | 5,817 |
| Net interest margin | 3.4559% | 3,602 |
| Noninterest income to average assets | 0.8323% | 1,641 |
| Noninterest expense to average assets | 3.9403% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0652% | 5,598 |
| Return on assets (ROA) | 0.0757% | 5,612 |
| Pretax return on assets | 0.1087% | 5,588 |
| Return on Equity (ROE) | 0.8772% | 5,580 |
| Retained earnings to average equity (ytd only) | 0.8772% | 4,971 |
| Net charge-offs to loans | 0.0050% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.9500% | 1,407 |
| Efficiency ratio | 97.6769% | 257 |
| Assets per employee ($millions) | 3.8644% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,076 |
| Loan loss allowance to noncurrent loans | 802.7523% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 4,803 |
| Noncurrent loans to loans | 0.1295% | 4,718 |
| Net loans and leases to total assets | 62.2788% | 3,574 |
| Net loans and leases to deposits | 68.3397% | 4,059 |
| Net loans and leases to core deposits | 79.4643% | 3,442 |
| Total domestic deposits to total assets | 91.1311% | 239 |
| Equity capital to assets | 8.4955% | 5,273 |
| Core capital (leverage) ratio | 8.0803% | 5,576 |
| Tier 1 risk-based capital ratio | 11.7626% | 4,886 |
| Total risk-based capital ratio | 12.8168% | 4,916 |
| Memoranda: | ||
| Average total assets | $660,541,800 | 1,074 |
| Average earning assets | $611,947,800 | 1,069 |
| Average equity | $56,999,000 | 1,345 |
| Average total loans | $401,683,800 | 1,200 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5158% | 4,766 |
| Cost of funding earning assets | 0.0599% | 5,888 |
| Net interest margin | 3.4560% | 3,646 |
| Noninterest income to average assets | 0.8273% | 1,659 |
| Noninterest expense to average assets | 3.9421% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0350% | 5,692 |
| Return on assets (ROA) | 0.0478% | 5,712 |
| Pretax return on assets | 0.1081% | 5,672 |
| Return on Equity (ROE) | 0.5516% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.5516% | 5,220 |
| Net charge-offs to loans | 0.0091% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.1108% | 2,140 |
| Efficiency ratio | 97.8147% | 266 |
| Assets per employee ($millions) | 3.8820% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,868 |
| Loan loss allowance to noncurrent loans | 741.5959% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,908 |
| Noncurrent loans to loans | 0.1473% | 4,755 |
| Net loans and leases to total assets | 57.5532% | 4,137 |
| Net loans and leases to deposits | 63.0559% | 4,553 |
| Net loans and leases to core deposits | 75.8585% | 3,855 |
| Total domestic deposits to total assets | 91.2734% | 146 |
| Equity capital to assets | 8.3672% | 5,598 |
| Core capital (leverage) ratio | 8.2080% | 5,570 |
| Tier 1 risk-based capital ratio | 12.2235% | 4,659 |
| Total risk-based capital ratio | 13.3197% | 4,651 |
| Memoranda: | ||
| Average total assets | $658,542,000 | 1,078 |
| Average earning assets | $610,328,500 | 1,075 |
| Average equity | $57,049,750 | 1,353 |
| Average total loans | $396,921,250 | 1,205 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 4,771 |
| Cost of funding earning assets | 0.0589% | 5,970 |
| Net interest margin | 3.4810% | 3,560 |
| Noninterest income to average assets | 0.8286% | 1,617 |
| Noninterest expense to average assets | 4.0061% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0157% | 5,775 |
| Return on assets (ROA) | -0.0157% | 5,801 |
| Pretax return on assets | 0.0453% | 5,762 |
| Return on Equity (ROE) | -0.1793% | 5,802 |
| Retained earnings to average equity (ytd only) | -0.1793% | 5,319 |
| Net charge-offs to loans | 0.0126% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 2,802 |
| Efficiency ratio | 98.8819% | 264 |
| Assets per employee ($millions) | 3.7928% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,976 |
| Loan loss allowance to noncurrent loans | 507.5494% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 4,797 |
| Noncurrent loans to loans | 0.2155% | 4,579 |
| Net loans and leases to total assets | 59.5255% | 3,947 |
| Net loans and leases to deposits | 65.4690% | 4,388 |
| Net loans and leases to core deposits | 77.2839% | 3,714 |
| Total domestic deposits to total assets | 90.9217% | 204 |
| Equity capital to assets | 8.6781% | 5,501 |
| Core capital (leverage) ratio | 8.3435% | 5,497 |
| Tier 1 risk-based capital ratio | 12.1501% | 4,734 |
| Total risk-based capital ratio | 13.2459% | 4,743 |
| Memoranda: | ||
| Average total assets | $649,017,670 | 1,095 |
| Average earning assets | $600,857,330 | 1,087 |
| Average equity | $56,902,330 | 1,359 |
| Average total loans | $395,953,330 | 1,216 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,024 |
| Cost of funding earning assets | 0.0560% | 6,038 |
| Net interest margin | 3.3857% | 3,920 |
| Noninterest income to average assets | 0.8229% | 1,548 |
| Noninterest expense to average assets | 4.0065% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1147% | 5,852 |
| Return on assets (ROA) | -0.1147% | 5,869 |
| Pretax return on assets | -0.0530% | 5,842 |
| Return on Equity (ROE) | -1.3014% | 5,881 |
| Retained earnings to average equity (ytd only) | -1.3014% | 5,313 |
| Net charge-offs to loans | -0.0132% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3403% | 263 |
| Assets per employee ($millions) | 3.4606% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,979 |
| Loan loss allowance to noncurrent loans | 199.8187% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,036 |
| Noncurrent loans to loans | 0.5570% | 3,516 |
| Net loans and leases to total assets | 60.5237% | 3,709 |
| Net loans and leases to deposits | 66.6769% | 4,187 |
| Net loans and leases to core deposits | 77.4081% | 3,559 |
| Total domestic deposits to total assets | 90.7716% | 338 |
| Equity capital to assets | 8.8156% | 5,327 |
| Core capital (leverage) ratio | 8.6004% | 5,290 |
| Tier 1 risk-based capital ratio | 12.3067% | 4,724 |
| Total risk-based capital ratio | 13.4277% | 4,697 |
| Memoranda: | ||
| Average total assets | $641,658,000 | 1,103 |
| Average earning assets | $593,313,500 | 1,098 |
| Average equity | $56,553,500 | 1,365 |
| Average total loans | $394,198,500 | 1,216 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 5,013 |
| Cost of funding earning assets | 0.0658% | 6,082 |
| Net interest margin | 3.4001% | 3,914 |
| Noninterest income to average assets | 0.7610% | 1,930 |
| Noninterest expense to average assets | 4.0413% | 631 |
| Loan and lease loss provision to assets | -0.0521% | 5,755 |
| Net operating income to assets | 0.0403% | 5,828 |
| Return on assets (ROA) | 0.0403% | 5,860 |
| Pretax return on assets | -0.0732% | 5,920 |
| Return on Equity (ROE) | 0.4595% | 5,845 |
| Retained earnings to average equity (ytd only) | 0.4595% | 5,330 |
| Net charge-offs to loans | 0.0183% | 3,913 |
| Credit loss provision to net charge-offs | -471.8310% | 5,431 |
| Earnings coverage of net charge-offs (x) | -11.3521% | 4,424 |
| Efficiency ratio | 103.1993% | 226 |
| Assets per employee ($millions) | 3.3661% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,923 |
| Loan loss allowance to noncurrent loans | 222.1941% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 4,150 |
| Noncurrent loans to loans | 0.5042% | 3,671 |
| Net loans and leases to total assets | 60.9770% | 3,696 |
| Net loans and leases to deposits | 67.1541% | 4,203 |
| Net loans and leases to core deposits | 78.1937% | 3,523 |
| Total domestic deposits to total assets | 90.8015% | 334 |
| Equity capital to assets | 8.8117% | 5,296 |
| Core capital (leverage) ratio | 8.6335% | 5,297 |
| Tier 1 risk-based capital ratio | 12.3673% | 4,720 |
| Total risk-based capital ratio | 13.4874% | 4,701 |
| Memoranda: | ||
| Average total assets | $643,339,600 | 1,063 |
| Average earning assets | $596,955,600 | 1,046 |
| Average equity | $56,369,600 | 1,326 |
| Average total loans | $387,149,400 | 1,194 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 5,068 |
| Cost of funding earning assets | 0.0679% | 6,160 |
| Net interest margin | 3.3970% | 3,972 |
| Noninterest income to average assets | 0.7432% | 2,054 |
| Noninterest expense to average assets | 3.9583% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0136% | 5,926 |
| Return on assets (ROA) | 0.0136% | 5,960 |
| Pretax return on assets | -0.0610% | 5,998 |
| Return on Equity (ROE) | 0.1559% | 5,956 |
| Retained earnings to average equity (ytd only) | 0.1559% | 5,561 |
| Net charge-offs to loans | -0.0225% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5643% | 268 |
| Assets per employee ($millions) | 3.3618% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 3,401 |
| Loan loss allowance to noncurrent loans | 227.3201% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 4,270 |
| Noncurrent loans to loans | 0.5476% | 3,701 |
| Net loans and leases to total assets | 59.0123% | 4,010 |
| Net loans and leases to deposits | 64.9620% | 4,470 |
| Net loans and leases to core deposits | 80.3090% | 3,404 |
| Total domestic deposits to total assets | 90.8413% | 293 |
| Equity capital to assets | 8.7875% | 5,500 |
| Core capital (leverage) ratio | 8.5800% | 5,482 |
| Tier 1 risk-based capital ratio | 12.7430% | 4,583 |
| Total risk-based capital ratio | 13.9157% | 4,542 |
| Memoranda: | ||
| Average total assets | $645,143,000 | 1,070 |
| Average earning assets | $599,028,000 | 1,053 |
| Average equity | $56,447,250 | 1,331 |
| Average total loans | $385,855,500 | 1,196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 5,012 |
| Cost of funding earning assets | 0.0675% | 6,231 |
| Net interest margin | 3.4228% | 3,821 |
| Noninterest income to average assets | 0.7324% | 2,074 |
| Noninterest expense to average assets | 3.9127% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0471% | 5,936 |
| Return on assets (ROA) | 0.0471% | 5,979 |
| Pretax return on assets | -0.0047% | 6,021 |
| Return on Equity (ROE) | 0.5394% | 5,957 |
| Retained earnings to average equity (ytd only) | 0.5394% | 5,336 |
| Net charge-offs to loans | 0.0249% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.3125% | 3,734 |
| Efficiency ratio | 100.1190% | 318 |
| Assets per employee ($millions) | 3.3687% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,625 |
| Loan loss allowance to noncurrent loans | 239.7267% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,479 |
| Noncurrent loans to loans | 0.5126% | 3,918 |
| Net loans and leases to total assets | 58.8669% | 3,999 |
| Net loans and leases to deposits | 64.7075% | 4,467 |
| Net loans and leases to core deposits | 80.0677% | 3,378 |
| Total domestic deposits to total assets | 90.9740% | 298 |
| Equity capital to assets | 8.6871% | 5,540 |
| Core capital (leverage) ratio | 8.5324% | 5,503 |
| Tier 1 risk-based capital ratio | 12.7727% | 4,641 |
| Total risk-based capital ratio | 13.9195% | 4,628 |
| Memoranda: | ||
| Average total assets | $645,035,670 | 1,075 |
| Average earning assets | $598,464,670 | 1,062 |
| Average equity | $56,356,330 | 1,347 |
| Average total loans | $385,905,670 | 1,194 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,382 |
| Cost of funding earning assets | 0.0676% | 6,305 |
| Net interest margin | 3.2594% | 4,384 |
| Noninterest income to average assets | 0.7327% | 2,008 |
| Noninterest expense to average assets | 3.8432% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0050% | 6,023 |
| Return on assets (ROA) | -0.0050% | 6,063 |
| Pretax return on assets | -0.0869% | 6,110 |
| Return on Equity (ROE) | -0.0567% | 6,064 |
| Retained earnings to average equity (ytd only) | -0.0567% | 5,387 |
| Net charge-offs to loans | 0.0010% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -140.0000% | 3,283 |
| Efficiency ratio | 102.3144% | 308 |
| Assets per employee ($millions) | 3.3925% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,934 |
| Loan loss allowance to noncurrent loans | 591.8619% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 5,265 |
| Noncurrent loans to loans | 0.2040% | 5,045 |
| Net loans and leases to total assets | 60.6091% | 3,569 |
| Net loans and leases to deposits | 66.7361% | 4,077 |
| Net loans and leases to core deposits | 83.3546% | 2,832 |
| Total domestic deposits to total assets | 90.8191% | 430 |
| Equity capital to assets | 8.7511% | 5,544 |
| Core capital (leverage) ratio | 8.6231% | 5,402 |
| Tier 1 risk-based capital ratio | 12.4731% | 4,923 |
| Total risk-based capital ratio | 13.6060% | 4,918 |
| Memoranda: | ||
| Average total assets | $644,155,500 | 1,079 |
| Average earning assets | $597,526,000 | 1,066 |
| Average equity | $56,440,500 | 1,349 |
| Average total loans | $386,115,500 | 1,197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 5,594 |
| Cost of funding earning assets | 0.0644% | 6,412 |
| Net interest margin | 3.3008% | 4,564 |
| Noninterest income to average assets | 0.6996% | 2,305 |
| Noninterest expense to average assets | 3.9835% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0320% | 6,112 |
| Return on assets (ROA) | -0.0320% | 6,124 |
| Pretax return on assets | -0.2360% | 6,211 |
| Return on Equity (ROE) | -0.3725% | 6,124 |
| Retained earnings to average equity (ytd only) | -0.3725% | 5,830 |
| Net charge-offs to loans | -0.0028% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2965% | 258 |
| Assets per employee ($millions) | 3.3702% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,534 |
| Loan loss allowance to noncurrent loans | 636.7374% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 5,364 |
| Noncurrent loans to loans | 0.2012% | 5,100 |
| Net loans and leases to total assets | 57.7663% | 4,077 |
| Net loans and leases to deposits | 63.5684% | 4,574 |
| Net loans and leases to core deposits | 79.7518% | 3,320 |
| Total domestic deposits to total assets | 90.8726% | 409 |
| Equity capital to assets | 8.7729% | 5,512 |
| Core capital (leverage) ratio | 8.3804% | 5,688 |
| Tier 1 risk-based capital ratio | 13.2580% | 4,561 |
| Total risk-based capital ratio | 14.5079% | 4,483 |
| Memoranda: | ||
| Average total assets | $627,638,000 | 1,059 |
| Average earning assets | $579,559,200 | 1,049 |
| Average equity | $53,956,000 | 1,351 |
| Average total loans | $357,619,200 | 1,239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 5,673 |
| Cost of funding earning assets | 0.0646% | 6,496 |
| Net interest margin | 3.2853% | 4,666 |
| Noninterest income to average assets | 0.7025% | 2,320 |
| Noninterest expense to average assets | 3.9801% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0406% | 6,173 |
| Return on assets (ROA) | -0.0406% | 6,181 |
| Pretax return on assets | -0.2481% | 6,272 |
| Return on Equity (ROE) | -0.4744% | 6,188 |
| Retained earnings to average equity (ytd only) | -0.4744% | 5,870 |
| Net charge-offs to loans | -0.0019% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6480% | 262 |
| Assets per employee ($millions) | 3.2504% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,484 |
| Loan loss allowance to noncurrent loans | 173.3912% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 4,420 |
| Noncurrent loans to loans | 0.7692% | 3,664 |
| Net loans and leases to total assets | 56.5587% | 4,261 |
| Net loans and leases to deposits | 62.3094% | 4,708 |
| Net loans and leases to core deposits | 76.1194% | 3,725 |
| Total domestic deposits to total assets | 90.7707% | 431 |
| Equity capital to assets | 8.8020% | 5,550 |
| Core capital (leverage) ratio | 8.5556% | 5,591 |
| Tier 1 risk-based capital ratio | 14.2034% | 4,079 |
| Total risk-based capital ratio | 15.4544% | 4,010 |
| Memoranda: | ||
| Average total assets | $624,461,000 | 1,079 |
| Average earning assets | $575,842,750 | 1,064 |
| Average equity | $53,400,750 | 1,373 |
| Average total loans | $353,347,750 | 1,254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3117% | 5,771 |
| Cost of funding earning assets | 0.0650% | 6,559 |
| Net interest margin | 3.2467% | 4,792 |
| Noninterest income to average assets | 0.6743% | 2,410 |
| Noninterest expense to average assets | 3.9339% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0523% | 6,225 |
| Return on assets (ROA) | -0.0523% | 6,240 |
| Pretax return on assets | -0.2614% | 6,344 |
| Return on Equity (ROE) | -0.6175% | 6,253 |
| Retained earnings to average equity (ytd only) | -0.6175% | 5,798 |
| Net charge-offs to loans | -0.0194% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1185% | 276 |
| Assets per employee ($millions) | 3.3000% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 3,485 |
| Loan loss allowance to noncurrent loans | 111.9749% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 3,792 |
| Noncurrent loans to loans | 1.2239% | 2,784 |
| Net loans and leases to total assets | 54.8057% | 4,431 |
| Net loans and leases to deposits | 60.3310% | 4,836 |
| Net loans and leases to core deposits | 73.3698% | 3,904 |
| Total domestic deposits to total assets | 90.8417% | 459 |
| Equity capital to assets | 8.7706% | 5,547 |
| Core capital (leverage) ratio | 8.6785% | 5,437 |
| Tier 1 risk-based capital ratio | 14.5271% | 3,911 |
| Total risk-based capital ratio | 15.7784% | 3,851 |
| Memoranda: | ||
| Average total assets | $623,502,670 | 1,082 |
| Average earning assets | $575,777,670 | 1,069 |
| Average equity | $52,795,000 | 1,377 |
| Average total loans | $351,260,670 | 1,253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 5,712 |
| Cost of funding earning assets | 0.0651% | 6,637 |
| Net interest margin | 3.3052% | 4,511 |
| Noninterest income to average assets | 0.6532% | 2,443 |
| Noninterest expense to average assets | 3.9259% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0336% | 6,235 |
| Return on assets (ROA) | -0.0336% | 6,242 |
| Pretax return on assets | -0.2199% | 6,358 |
| Return on Equity (ROE) | -0.4046% | 6,251 |
| Retained earnings to average equity (ytd only) | -0.4046% | 5,625 |
| Net charge-offs to loans | -0.0730% | 5,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9337% | 337 |
| Assets per employee ($millions) | 3.2981% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 3,616 |
| Loan loss allowance to noncurrent loans | 504.6778% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 5,610 |
| Noncurrent loans to loans | 0.2768% | 5,274 |
| Net loans and leases to total assets | 55.2694% | 4,242 |
| Net loans and leases to deposits | 60.9203% | 4,669 |
| Net loans and leases to core deposits | 74.5171% | 3,588 |
| Total domestic deposits to total assets | 90.7241% | 680 |
| Equity capital to assets | 8.7637% | 5,375 |
| Core capital (leverage) ratio | 8.8978% | 5,144 |
| Tier 1 risk-based capital ratio | 14.8417% | 3,789 |
| Total risk-based capital ratio | 16.0933% | 3,743 |
| Memoranda: | ||
| Average total assets | $618,455,500 | 1,102 |
| Average earning assets | $571,213,500 | 1,083 |
| Average equity | $51,407,500 | 1,409 |
| Average total loans | $350,855,000 | 1,252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 5,687 |
| Cost of funding earning assets | 0.0753% | 6,716 |
| Net interest margin | 3.4020% | 4,265 |
| Noninterest income to average assets | 0.6999% | 2,541 |
| Noninterest expense to average assets | 4.0444% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0116% | 6,228 |
| Return on assets (ROA) | -0.0116% | 6,264 |
| Pretax return on assets | -0.1856% | 6,340 |
| Return on Equity (ROE) | -0.1419% | 6,268 |
| Retained earnings to average equity (ytd only) | -0.1419% | 5,900 |
| Net charge-offs to loans | -0.0175% | 6,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8092% | 359 |
| Assets per employee ($millions) | 3.1962% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 3,881 |
| Loan loss allowance to noncurrent loans | 286.8862% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 5,297 |
| Noncurrent loans to loans | 0.4715% | 4,817 |
| Net loans and leases to total assets | 56.6361% | 4,235 |
| Net loans and leases to deposits | 61.6891% | 4,757 |
| Net loans and leases to core deposits | 75.0475% | 3,727 |
| Total domestic deposits to total assets | 91.8091% | 325 |
| Equity capital to assets | 7.8585% | 6,113 |
| Core capital (leverage) ratio | 7.9719% | 6,153 |
| Tier 1 risk-based capital ratio | 13.4268% | 4,702 |
| Total risk-based capital ratio | 14.6780% | 4,646 |
| Memoranda: | ||
| Average total assets | $618,058,800 | 1,078 |
| Average earning assets | $573,898,400 | 1,062 |
| Average equity | $50,730,800 | 1,400 |
| Average total loans | $343,567,600 | 1,246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 5,706 |
| Cost of funding earning assets | 0.0775% | 6,803 |
| Net interest margin | 3.4127% | 4,237 |
| Noninterest income to average assets | 0.6244% | 3,016 |
| Noninterest expense to average assets | 4.0392% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0530% | 6,339 |
| Return on assets (ROA) | -0.0530% | 6,379 |
| Pretax return on assets | -0.2454% | 6,487 |
| Return on Equity (ROE) | -0.6394% | 6,396 |
| Retained earnings to average equity (ytd only) | -0.6394% | 6,071 |
| Net charge-offs to loans | 0.0974% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -4.5703% | 5,137 |
| Efficiency ratio | 106.4677% | 324 |
| Assets per employee ($millions) | 3.2856% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,387 |
| Loan loss allowance to noncurrent loans | 266.4685% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 5,450 |
| Noncurrent loans to loans | 0.4881% | 4,979 |
| Net loans and leases to total assets | 54.7734% | 4,489 |
| Net loans and leases to deposits | 59.6977% | 5,012 |
| Net loans and leases to core deposits | 74.7802% | 3,761 |
| Total domestic deposits to total assets | 91.7514% | 299 |
| Equity capital to assets | 7.9320% | 6,191 |
| Core capital (leverage) ratio | 8.0786% | 6,170 |
| Tier 1 risk-based capital ratio | 13.8825% | 4,514 |
| Total risk-based capital ratio | 15.1333% | 4,471 |
| Memoranda: | ||
| Average total assets | $618,357,500 | 1,086 |
| Average earning assets | $574,279,000 | 1,067 |
| Average equity | $51,294,500 | 1,395 |
| Average total loans | $340,919,750 | 1,255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 5,676 |
| Cost of funding earning assets | 0.0802% | 6,850 |
| Net interest margin | 3.4293% | 4,076 |
| Noninterest income to average assets | 0.6348% | 2,992 |
| Noninterest expense to average assets | 4.0004% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0139% | 6,314 |
| Return on assets (ROA) | -0.0139% | 6,375 |
| Pretax return on assets | -0.1817% | 6,486 |
| Return on Equity (ROE) | -0.1655% | 6,376 |
| Retained earnings to average equity (ytd only) | -0.1655% | 5,883 |
| Net charge-offs to loans | 0.0100% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -33.0000% | 4,893 |
| Efficiency ratio | 104.7583% | 372 |
| Assets per employee ($millions) | 3.0998% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 4,198 |
| Loan loss allowance to noncurrent loans | 254.6731% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 5,427 |
| Noncurrent loans to loans | 0.5350% | 4,926 |
| Net loans and leases to total assets | 55.8862% | 4,313 |
| Net loans and leases to deposits | 61.0765% | 4,852 |
| Net loans and leases to core deposits | 77.5739% | 3,347 |
| Total domestic deposits to total assets | 91.5020% | 381 |
| Equity capital to assets | 8.1261% | 6,113 |
| Core capital (leverage) ratio | 8.0399% | 6,156 |
| Tier 1 risk-based capital ratio | 13.5948% | 4,714 |
| Total risk-based capital ratio | 14.8462% | 4,672 |
| Memoranda: | ||
| Average total assets | $617,484,000 | 1,087 |
| Average earning assets | $573,292,330 | 1,067 |
| Average equity | $51,974,000 | 1,382 |
| Average total loans | $339,688,670 | 1,248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 5,750 |
| Cost of funding earning assets | 0.0846% | 6,928 |
| Net interest margin | 3.3979% | 4,128 |
| Noninterest income to average assets | 0.6371% | 2,949 |
| Noninterest expense to average assets | 3.9086% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0277% | 6,297 |
| Return on assets (ROA) | 0.0277% | 6,377 |
| Pretax return on assets | -0.1140% | 6,495 |
| Return on Equity (ROE) | 0.3236% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.3236% | 5,684 |
| Net charge-offs to loans | 0.0487% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -4.3171% | 4,064 |
| Efficiency ratio | 103.0051% | 456 |
| Assets per employee ($millions) | 3.1062% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 4,270 |
| Loan loss allowance to noncurrent loans | 246.5825% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 5,527 |
| Noncurrent loans to loans | 0.5650% | 5,023 |
| Net loans and leases to total assets | 53.4328% | 4,494 |
| Net loans and leases to deposits | 58.6299% | 4,954 |
| Net loans and leases to core deposits | 74.8015% | 3,487 |
| Total domestic deposits to total assets | 91.1359% | 471 |
| Equity capital to assets | 8.5003% | 6,018 |
| Core capital (leverage) ratio | 8.3205% | 5,800 |
| Tier 1 risk-based capital ratio | 14.2934% | 4,294 |
| Total risk-based capital ratio | 15.5449% | 4,260 |
| Memoranda: | ||
| Average total assets | $620,894,000 | 1,093 |
| Average earning assets | $576,936,500 | 1,070 |
| Average equity | $53,149,500 | 1,366 |
| Average total loans | $336,537,500 | 1,262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 5,925 |
| Cost of funding earning assets | 0.0920% | 7,007 |
| Net interest margin | 3.6690% | 3,786 |
| Noninterest income to average assets | 0.6389% | 3,057 |
| Noninterest expense to average assets | 4.1758% | 794 |
| Loan and lease loss provision to assets | 0.1649% | 3,548 |
| Net operating income to assets | -0.1022% | 6,288 |
| Return on assets (ROA) | 0.0724% | 6,198 |
| Pretax return on assets | -0.0091% | 6,293 |
| Return on Equity (ROE) | 0.8282% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.8282% | 5,452 |
| Net charge-offs to loans | 0.1537% | 4,163 |
| Credit loss provision to net charge-offs | 192.6782% | 1,358 |
| Earnings coverage of net charge-offs (x) | -1.3661% | 5,792 |
| Efficiency ratio | 102.8807% | 468 |
| Assets per employee ($millions) | 3.1028% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,143 |
| Loan loss allowance to noncurrent loans | 224.0057% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 5,417 |
| Noncurrent loans to loans | 0.6277% | 4,951 |
| Net loans and leases to total assets | 53.4540% | 4,696 |
| Net loans and leases to deposits | 58.7735% | 5,154 |
| Net loans and leases to core deposits | 74.8995% | 3,670 |
| Total domestic deposits to total assets | 90.9492% | 515 |
| Equity capital to assets | 8.6200% | 5,948 |
| Core capital (leverage) ratio | 8.5840% | 5,485 |
| Tier 1 risk-based capital ratio | 14.3293% | 4,148 |
| Total risk-based capital ratio | 15.5810% | 4,105 |
| Memoranda: | ||
| Average total assets | $606,370,400 | 1,095 |
| Average earning assets | $565,228,800 | 1,068 |
| Average equity | $53,005,200 | 1,342 |
| Average total loans | $337,657,600 | 1,247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 6,066 |
| Cost of funding earning assets | 0.0930% | 7,119 |
| Net interest margin | 3.6873% | 3,848 |
| Noninterest income to average assets | 0.6352% | 3,074 |
| Noninterest expense to average assets | 4.2273% | 702 |
| Loan and lease loss provision to assets | 0.1106% | 4,186 |
| Net operating income to assets | -0.2066% | 6,507 |
| Return on assets (ROA) | 0.1592% | 6,163 |
| Pretax return on assets | 0.1017% | 6,274 |
| Return on Equity (ROE) | 1.8153% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.8153% | 5,428 |
| Net charge-offs to loans | 0.0556% | 4,876 |
| Credit loss provision to net charge-offs | 354.6099% | 760 |
| Earnings coverage of net charge-offs (x) | -4.9219% | 5,708 |
| Efficiency ratio | 103.7678% | 424 |
| Assets per employee ($millions) | 2.9259% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,512 |
| Loan loss allowance to noncurrent loans | 229.4176% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 5,565 |
| Noncurrent loans to loans | 0.5957% | 5,251 |
| Net loans and leases to total assets | 56.8403% | 4,324 |
| Net loans and leases to deposits | 62.8606% | 4,866 |
| Net loans and leases to core deposits | 79.4889% | 3,272 |
| Total domestic deposits to total assets | 90.4228% | 623 |
| Equity capital to assets | 9.2808% | 5,492 |
| Core capital (leverage) ratio | 8.8817% | 5,218 |
| Tier 1 risk-based capital ratio | 14.4915% | 4,187 |
| Total risk-based capital ratio | 15.7425% | 4,157 |
| Memoranda: | ||
| Average total assets | $602,824,500 | 1,109 |
| Average earning assets | $562,164,500 | 1,085 |
| Average equity | $52,883,500 | 1,356 |
| Average total loans | $337,961,500 | 1,259 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 6,229 |
| Cost of funding earning assets | 0.0965% | 7,184 |
| Net interest margin | 3.6637% | 3,976 |
| Noninterest income to average assets | 0.6262% | 3,091 |
| Noninterest expense to average assets | 4.2109% | 719 |
| Loan and lease loss provision to assets | 0.1643% | 3,460 |
| Net operating income to assets | -0.2878% | 6,609 |
| Return on assets (ROA) | 0.1764% | 6,161 |
| Pretax return on assets | 0.1321% | 6,262 |
| Return on Equity (ROE) | 2.0493% | 6,031 |
| Retained earnings to average equity (ytd only) | 2.0493% | 5,180 |
| Net charge-offs to loans | 0.0680% | 4,476 |
| Credit loss provision to net charge-offs | 434.7826% | 681 |
| Earnings coverage of net charge-offs (x) | -4.4435% | 5,443 |
| Efficiency ratio | 104.1528% | 435 |
| Assets per employee ($millions) | 2.8750% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,526 |
| Loan loss allowance to noncurrent loans | 446.1020% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 6,069 |
| Noncurrent loans to loans | 0.3100% | 5,936 |
| Net loans and leases to total assets | 55.2668% | 4,582 |
| Net loans and leases to deposits | 60.8797% | 5,155 |
| Net loans and leases to core deposits | 75.6438% | 3,799 |
| Total domestic deposits to total assets | 90.7804% | 530 |
| Equity capital to assets | 8.8454% | 5,859 |
| Core capital (leverage) ratio | 8.6651% | 5,424 |
| Tier 1 risk-based capital ratio | 14.4314% | 4,151 |
| Total risk-based capital ratio | 15.6826% | 4,115 |
| Memoranda: | ||
| Average total assets | $608,703,000 | 1,094 |
| Average earning assets | $567,672,330 | 1,069 |
| Average equity | $52,408,000 | 1,360 |
| Average total loans | $338,204,670 | 1,262 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 6,410 |
| Cost of funding earning assets | 0.1027% | 7,246 |
| Net interest margin | 3.6156% | 4,199 |
| Noninterest income to average assets | 0.6455% | 2,954 |
| Noninterest expense to average assets | 4.1619% | 778 |
| Loan and lease loss provision to assets | 0.3257% | 1,921 |
| Net operating income to assets | -0.2065% | 6,646 |
| Return on assets (ROA) | 0.0912% | 6,378 |
| Pretax return on assets | -0.0059% | 6,537 |
| Return on Equity (ROE) | 1.0735% | 6,332 |
| Retained earnings to average equity (ytd only) | 1.0735% | 5,650 |
| Net charge-offs to loans | 0.1566% | 3,154 |
| Credit loss provision to net charge-offs | 375.9398% | 814 |
| Earnings coverage of net charge-offs (x) | -1.6767% | 4,600 |
| Efficiency ratio | 103.6166% | 455 |
| Assets per employee ($millions) | 2.8896% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,744 |
| Loan loss allowance to noncurrent loans | 115.9468% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 5,030 |
| Noncurrent loans to loans | 1.1782% | 4,365 |
| Net loans and leases to total assets | 54.6736% | 4,607 |
| Net loans and leases to deposits | 59.9141% | 5,160 |
| Net loans and leases to core deposits | 75.8598% | 3,635 |
| Total domestic deposits to total assets | 91.2534% | 454 |
| Equity capital to assets | 8.4736% | 6,107 |
| Core capital (leverage) ratio | 8.3997% | 5,741 |
| Tier 1 risk-based capital ratio | 14.1243% | 4,377 |
| Total risk-based capital ratio | 15.3754% | 4,344 |
| Memoranda: | ||
| Average total assets | $614,051,500 | 1,082 |
| Average earning assets | $572,522,500 | 1,060 |
| Average equity | $52,164,000 | 1,359 |
| Average total loans | $339,740,000 | 1,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 6,077 |
| Cost of funding earning assets | 0.1714% | 7,262 |
| Net interest margin | 4.0200% | 2,789 |
| Noninterest income to average assets | 0.6194% | 3,064 |
| Noninterest expense to average assets | 4.4404% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0220% | 6,074 |
| Return on assets (ROA) | 0.1487% | 5,876 |
| Pretax return on assets | 0.0898% | 5,984 |
| Return on Equity (ROE) | 1.7061% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.7061% | 4,998 |
| Net charge-offs to loans | 0.4474% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.3185% | 6,013 |
| Efficiency ratio | 101.8545% | 624 |
| Assets per employee ($millions) | 2.8897% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,206 |
| Loan loss allowance to noncurrent loans | 103.4567% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 5,128 |
| Noncurrent loans to loans | 1.2029% | 4,369 |
| Net loans and leases to total assets | 54.5385% | 4,942 |
| Net loans and leases to deposits | 59.8197% | 5,506 |
| Net loans and leases to core deposits | 75.7074% | 4,021 |
| Total domestic deposits to total assets | 91.1715% | 436 |
| Equity capital to assets | 8.5163% | 6,127 |
| Core capital (leverage) ratio | 8.6643% | 5,305 |
| Tier 1 risk-based capital ratio | 14.0399% | 4,300 |
| Total risk-based capital ratio | 15.2603% | 4,274 |
| Memoranda: | ||
| Average total assets | $591,229,200 | 1,116 |
| Average earning assets | $550,070,800 | 1,083 |
| Average equity | $51,520,000 | 1,327 |
| Average total loans | $335,490,400 | 1,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 6,018 |
| Cost of funding earning assets | 0.1885% | 7,338 |
| Net interest margin | 4.0872% | 2,524 |
| Noninterest income to average assets | 0.6116% | 3,095 |
| Noninterest expense to average assets | 4.5084% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0212% | 6,183 |
| Return on assets (ROA) | 0.1398% | 5,990 |
| Pretax return on assets | 0.0673% | 6,142 |
| Return on Equity (ROE) | 1.5952% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.5952% | 5,344 |
| Net charge-offs to loans | 0.5677% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.2890% | 5,762 |
| Efficiency ratio | 102.1239% | 604 |
| Assets per employee ($millions) | 2.7188% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 5,139 |
| Loan loss allowance to noncurrent loans | 64.1607% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 4,251 |
| Noncurrent loans to loans | 1.9833% | 3,392 |
| Net loans and leases to total assets | 56.6421% | 4,737 |
| Net loans and leases to deposits | 62.5628% | 5,336 |
| Net loans and leases to core deposits | 80.6869% | 3,533 |
| Total domestic deposits to total assets | 90.5364% | 618 |
| Equity capital to assets | 8.8466% | 5,924 |
| Core capital (leverage) ratio | 8.8209% | 5,228 |
| Tier 1 risk-based capital ratio | 14.2024% | 4,200 |
| Total risk-based capital ratio | 15.4527% | 4,167 |
| Memoranda: | ||
| Average total assets | $584,438,000 | 1,126 |
| Average earning assets | $543,798,000 | 1,102 |
| Average equity | $51,234,000 | 1,336 |
| Average total loans | $333,984,750 | 1,279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 6,089 |
| Cost of funding earning assets | 0.1963% | 7,418 |
| Net interest margin | 4.0797% | 2,492 |
| Noninterest income to average assets | 0.6381% | 2,903 |
| Noninterest expense to average assets | 4.4629% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0320% | 6,164 |
| Return on assets (ROA) | 0.0777% | 6,145 |
| Pretax return on assets | 0.0158% | 6,245 |
| Return on Equity (ROE) | 0.8892% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.8892% | 5,515 |
| Net charge-offs to loans | 0.8362% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.0627% | 5,318 |
| Efficiency ratio | 100.6748% | 701 |
| Assets per employee ($millions) | 2.6149% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 5,105 |
| Loan loss allowance to noncurrent loans | 55.8244% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 3,851 |
| Noncurrent loans to loans | 2.3116% | 3,083 |
| Net loans and leases to total assets | 57.7263% | 4,682 |
| Net loans and leases to deposits | 63.7633% | 5,307 |
| Net loans and leases to core deposits | 80.4097% | 3,728 |
| Total domestic deposits to total assets | 90.5322% | 705 |
| Equity capital to assets | 8.9125% | 5,695 |
| Core capital (leverage) ratio | 8.8329% | 4,998 |
| Tier 1 risk-based capital ratio | 14.2151% | 4,004 |
| Total risk-based capital ratio | 15.4654% | 3,979 |
| Memoranda: | ||
| Average total assets | $581,686,330 | 1,149 |
| Average earning assets | $541,070,670 | 1,119 |
| Average equity | $50,834,330 | 1,322 |
| Average total loans | $331,966,000 | 1,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 6,003 |
| Cost of funding earning assets | 0.1956% | 7,480 |
| Net interest margin | 4.1102% | 2,227 |
| Noninterest income to average assets | 0.6278% | 2,982 |
| Noninterest expense to average assets | 4.4237% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0672% | 6,188 |
| Return on assets (ROA) | 0.1583% | 5,971 |
| Pretax return on assets | 0.1261% | 6,118 |
| Return on Equity (ROE) | 1.8297% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.8297% | 5,016 |
| Net charge-offs to loans | 0.2055% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3018% | 4,390 |
| Efficiency ratio | 99.2160% | 779 |
| Assets per employee ($millions) | 2.6487% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 3,411 |
| Loan loss allowance to noncurrent loans | 60.8501% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.5674% | 3,900 |
| Noncurrent loans to loans | 2.7605% | 2,740 |
| Net loans and leases to total assets | 55.8265% | 5,021 |
| Net loans and leases to deposits | 61.5057% | 5,568 |
| Net loans and leases to core deposits | 78.4689% | 3,957 |
| Total domestic deposits to total assets | 90.7664% | 728 |
| Equity capital to assets | 8.5896% | 5,783 |
| Core capital (leverage) ratio | 8.7949% | 4,939 |
| Tier 1 risk-based capital ratio | 14.3243% | 3,852 |
| Total risk-based capital ratio | 15.5790% | 3,809 |
| Memoranda: | ||
| Average total assets | $583,588,500 | 1,151 |
| Average earning assets | $543,914,000 | 1,121 |
| Average equity | $50,499,500 | 1,320 |
| Average total loans | $328,973,500 | 1,327 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 6,643 |
| Cost of funding earning assets | 0.2271% | 7,539 |
| Net interest margin | 4.1562% | 2,341 |
| Noninterest income to average assets | 0.6300% | 3,284 |
| Noninterest expense to average assets | 4.4618% | 676 |
| Loan and lease loss provision to assets | 0.0259% | 6,865 |
| Net operating income to assets | -0.0021% | 5,837 |
| Return on assets (ROA) | 0.3012% | 5,104 |
| Pretax return on assets | 0.3490% | 5,086 |
| Return on Equity (ROE) | 3.4429% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.4429% | 3,458 |
| Net charge-offs to loans | 0.1506% | 5,449 |
| Credit loss provision to net charge-offs | 30.1205% | 6,491 |
| Earnings coverage of net charge-offs (x) | 0.2590% | 5,851 |
| Efficiency ratio | 99.5029% | 791 |
| Assets per employee ($millions) | 2.6689% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 2,968 |
| Loan loss allowance to noncurrent loans | 60.1863% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 3,839 |
| Noncurrent loans to loans | 2.9354% | 2,601 |
| Net loans and leases to total assets | 54.9702% | 5,494 |
| Net loans and leases to deposits | 60.6321% | 5,987 |
| Net loans and leases to core deposits | 74.0725% | 4,974 |
| Total domestic deposits to total assets | 90.6620% | 763 |
| Equity capital to assets | 8.7174% | 5,556 |
| Core capital (leverage) ratio | 8.8080% | 4,842 |
| Tier 1 risk-based capital ratio | 14.4816% | 3,555 |
| Total risk-based capital ratio | 15.7372% | 3,508 |
| Memoranda: | ||
| Average total assets | $578,731,800 | 1,162 |
| Average earning assets | $536,662,000 | 1,135 |
| Average equity | $50,626,400 | 1,314 |
| Average total loans | $330,702,400 | 1,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 6,840 |
| Cost of funding earning assets | 0.2326% | 7,662 |
| Net interest margin | 4.1519% | 2,399 |
| Noninterest income to average assets | 0.5924% | 3,493 |
| Noninterest expense to average assets | 4.4586% | 625 |
| Loan and lease loss provision to assets | 0.0346% | 6,734 |
| Net operating income to assets | -0.0537% | 6,106 |
| Return on assets (ROA) | 0.3080% | 5,311 |
| Pretax return on assets | 0.3437% | 5,391 |
| Return on Equity (ROE) | 3.5175% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.5175% | 3,979 |
| Net charge-offs to loans | 0.1008% | 5,516 |
| Credit loss provision to net charge-offs | 59.7610% | 5,694 |
| Earnings coverage of net charge-offs (x) | -0.4064% | 6,292 |
| Efficiency ratio | 100.5306% | 725 |
| Assets per employee ($millions) | 2.6639% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,663 |
| Loan loss allowance to noncurrent loans | 59.9301% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,860 |
| Noncurrent loans to loans | 3.0707% | 2,601 |
| Net loans and leases to total assets | 55.1005% | 5,680 |
| Net loans and leases to deposits | 61.0710% | 6,206 |
| Net loans and leases to core deposits | 73.9565% | 5,298 |
| Total domestic deposits to total assets | 90.2235% | 763 |
| Equity capital to assets | 8.9554% | 5,644 |
| Core capital (leverage) ratio | 8.7312% | 5,133 |
| Tier 1 risk-based capital ratio | 14.5055% | 3,508 |
| Total risk-based capital ratio | 15.7621% | 3,475 |
| Memoranda: | ||
| Average total assets | $577,961,000 | 1,175 |
| Average earning assets | $534,904,750 | 1,153 |
| Average equity | $50,603,250 | 1,324 |
| Average total loans | $331,983,750 | 1,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 6,842 |
| Cost of funding earning assets | 0.2325% | 7,738 |
| Net interest margin | 4.1967% | 2,167 |
| Noninterest income to average assets | 0.6734% | 2,862 |
| Noninterest expense to average assets | 4.4368% | 620 |
| Loan and lease loss provision to assets | 0.0520% | 6,444 |
| Net operating income to assets | 0.1199% | 5,806 |
| Return on assets (ROA) | 0.1210% | 5,913 |
| Pretax return on assets | 0.0645% | 6,048 |
| Return on Equity (ROE) | 1.3922% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.3922% | 5,184 |
| Net charge-offs to loans | 0.1964% | 4,428 |
| Credit loss provision to net charge-offs | 45.7317% | 5,509 |
| Earnings coverage of net charge-offs (x) | 1.0152% | 4,775 |
| Efficiency ratio | 97.4646% | 899 |
| Assets per employee ($millions) | 2.6651% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,700 |
| Loan loss allowance to noncurrent loans | 55.4806% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8288% | 3,722 |
| Noncurrent loans to loans | 3.2558% | 2,464 |
| Net loans and leases to total assets | 55.1574% | 5,824 |
| Net loans and leases to deposits | 60.9009% | 6,324 |
| Net loans and leases to core deposits | 73.7869% | 5,469 |
| Total domestic deposits to total assets | 90.5690% | 660 |
| Equity capital to assets | 8.7347% | 5,836 |
| Core capital (leverage) ratio | 8.6644% | 5,139 |
| Tier 1 risk-based capital ratio | 13.9317% | 3,780 |
| Total risk-based capital ratio | 15.1876% | 3,738 |
| Memoranda: | ||
| Average total assets | $577,037,330 | 1,178 |
| Average earning assets | $533,323,000 | 1,155 |
| Average equity | $50,135,330 | 1,332 |
| Average total loans | $333,983,330 | 1,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 6,817 |
| Cost of funding earning assets | 0.2308% | 7,845 |
| Net interest margin | 4.2536% | 1,840 |
| Noninterest income to average assets | 0.6693% | 2,814 |
| Noninterest expense to average assets | 4.4007% | 638 |
| Loan and lease loss provision to assets | 0.1046% | 5,576 |
| Net operating income to assets | 0.1401% | 5,886 |
| Return on assets (ROA) | 0.1422% | 6,010 |
| Pretax return on assets | 0.0983% | 6,138 |
| Return on Equity (ROE) | 1.6414% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.6414% | 5,117 |
| Net charge-offs to loans | 0.0451% | 4,962 |
| Credit loss provision to net charge-offs | 394.7368% | 1,036 |
| Earnings coverage of net charge-offs (x) | 7.5789% | 2,065 |
| Efficiency ratio | 95.6364% | 1,045 |
| Assets per employee ($millions) | 2.5918% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 2,595 |
| Loan loss allowance to noncurrent loans | 64.0346% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.6937% | 3,942 |
| Noncurrent loans to loans | 2.8797% | 2,798 |
| Net loans and leases to total assets | 57.7289% | 5,491 |
| Net loans and leases to deposits | 63.7298% | 6,078 |
| Net loans and leases to core deposits | 77.4337% | 5,094 |
| Total domestic deposits to total assets | 90.5839% | 700 |
| Equity capital to assets | 8.7408% | 5,667 |
| Core capital (leverage) ratio | 8.6700% | 5,071 |
| Tier 1 risk-based capital ratio | 13.5122% | 3,975 |
| Total risk-based capital ratio | 14.7685% | 3,934 |
| Memoranda: | ||
| Average total assets | $573,730,000 | 1,215 |
| Average earning assets | $530,377,500 | 1,198 |
| Average equity | $49,713,000 | 1,347 |
| Average total loans | $337,050,500 | 1,388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 6,441 |
| Cost of funding earning assets | 0.2668% | 7,918 |
| Net interest margin | 4.7304% | 795 |
| Noninterest income to average assets | 0.8686% | 2,084 |
| Noninterest expense to average assets | 4.7904% | 612 |
| Loan and lease loss provision to assets | 0.2052% | 5,703 |
| Net operating income to assets | 0.1893% | 4,932 |
| Return on assets (ROA) | 0.3355% | 4,481 |
| Pretax return on assets | 0.4835% | 4,235 |
| Return on Equity (ROE) | 3.7446% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.7446% | 2,581 |
| Net charge-offs to loans | 0.2195% | 5,246 |
| Credit loss provision to net charge-offs | 147.4376% | 3,184 |
| Earnings coverage of net charge-offs (x) | 3.4258% | 3,349 |
| Efficiency ratio | 90.9460% | 1,638 |
| Assets per employee ($millions) | 2.6003% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 2,359 |
| Loan loss allowance to noncurrent loans | 70.5962% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5499% | 4,053 |
| Noncurrent loans to loans | 2.6412% | 2,912 |
| Net loans and leases to total assets | 57.5871% | 5,731 |
| Net loans and leases to deposits | 63.4696% | 6,328 |
| Net loans and leases to core deposits | 80.2008% | 6,076 |
| Total domestic deposits to total assets | 90.7316% | 649 |
| Equity capital to assets | 8.5892% | 5,739 |
| Core capital (leverage) ratio | 8.6324% | 5,046 |
| Tier 1 risk-based capital ratio | 13.3545% | 3,912 |
| Total risk-based capital ratio | 14.6103% | 3,851 |
| Memoranda: | ||
| Average total assets | $546,658,200 | 1,269 |
| Average earning assets | $508,324,600 | 1,239 |
| Average equity | $48,976,800 | 1,372 |
| Average total loans | $346,693,600 | 1,395 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 6,219 |
| Cost of funding earning assets | 0.2786% | 8,010 |
| Net interest margin | 4.8345% | 645 |
| Noninterest income to average assets | 0.8193% | 2,342 |
| Noninterest expense to average assets | 4.8543% | 543 |
| Loan and lease loss provision to assets | 0.2772% | 4,758 |
| Net operating income to assets | 0.1535% | 5,308 |
| Return on assets (ROA) | 0.1527% | 5,368 |
| Pretax return on assets | 0.1890% | 5,327 |
| Return on Equity (ROE) | 1.6857% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.6857% | 4,366 |
| Net charge-offs to loans | 0.0095% | 6,809 |
| Credit loss provision to net charge-offs | 4,488.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 75.6457% | 452 |
| Efficiency ratio | 91.2206% | 1,597 |
| Assets per employee ($millions) | 2.5388% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 1,630 |
| Loan loss allowance to noncurrent loans | 92.5039% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 4,381 |
| Noncurrent loans to loans | 2.2512% | 3,321 |
| Net loans and leases to total assets | 58.9493% | 5,745 |
| Net loans and leases to deposits | 65.0501% | 6,397 |
| Net loans and leases to core deposits | 82.4230% | 6,155 |
| Total domestic deposits to total assets | 90.6215% | 547 |
| Equity capital to assets | 8.8360% | 5,731 |
| Core capital (leverage) ratio | 8.6458% | 5,234 |
| Tier 1 risk-based capital ratio | 13.2344% | 4,027 |
| Total risk-based capital ratio | 14.4930% | 3,968 |
| Memoranda: | ||
| Average total assets | $539,653,750 | 1,288 |
| Average earning assets | $502,569,250 | 1,267 |
| Average equity | $48,881,000 | 1,397 |
| Average total loans | $349,060,250 | 1,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 5,857 |
| Cost of funding earning assets | 0.3025% | 8,101 |
| Net interest margin | 4.9493% | 485 |
| Noninterest income to average assets | 0.8304% | 2,270 |
| Noninterest expense to average assets | 4.8491% | 576 |
| Loan and lease loss provision to assets | 0.3838% | 3,618 |
| Net operating income to assets | 0.1638% | 5,379 |
| Return on assets (ROA) | 0.1626% | 5,478 |
| Pretax return on assets | 0.2047% | 5,458 |
| Return on Equity (ROE) | 1.7801% | 5,380 |
| Retained earnings to average equity (ytd only) | 1.7801% | 4,347 |
| Net charge-offs to loans | 0.0232% | 6,167 |
| Credit loss provision to net charge-offs | 2,492.6829% | 212 |
| Earnings coverage of net charge-offs (x) | 38.3171% | 837 |
| Efficiency ratio | 89.1521% | 1,890 |
| Assets per employee ($millions) | 2.6236% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 1,533 |
| Loan loss allowance to noncurrent loans | 78.0989% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 3,855 |
| Noncurrent loans to loans | 2.5840% | 2,804 |
| Net loans and leases to total assets | 59.8231% | 5,706 |
| Net loans and leases to deposits | 66.0116% | 6,393 |
| Net loans and leases to core deposits | 83.2497% | 6,141 |
| Total domestic deposits to total assets | 90.6251% | 583 |
| Equity capital to assets | 8.7433% | 5,697 |
| Core capital (leverage) ratio | 8.7269% | 5,045 |
| Tier 1 risk-based capital ratio | 13.0528% | 4,104 |
| Total risk-based capital ratio | 14.3106% | 4,023 |
| Memoranda: | ||
| Average total assets | $532,515,000 | 1,318 |
| Average earning assets | $495,866,330 | 1,309 |
| Average equity | $48,649,330 | 1,419 |
| Average total loans | $352,820,000 | 1,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,754 |
| Cost of funding earning assets | 0.3346% | 8,151 |
| Net interest margin | 4.9956% | 403 |
| Noninterest income to average assets | 0.8841% | 1,915 |
| Noninterest expense to average assets | 4.7131% | 588 |
| Loan and lease loss provision to assets | 0.7891% | 1,632 |
| Net operating income to assets | 0.0525% | 6,119 |
| Return on assets (ROA) | 0.0494% | 6,281 |
| Pretax return on assets | 0.0247% | 6,331 |
| Return on Equity (ROE) | 0.5286% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.5286% | 5,446 |
| Net charge-offs to loans | 0.0492% | 4,791 |
| Credit loss provision to net charge-offs | 2,322.7273% | 280 |
| Earnings coverage of net charge-offs (x) | 24.0455% | 1,252 |
| Efficiency ratio | 85.2276% | 2,173 |
| Assets per employee ($millions) | 2.4831% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 1,564 |
| Loan loss allowance to noncurrent loans | 72.8508% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7697% | 3,264 |
| Noncurrent loans to loans | 2.6450% | 2,483 |
| Net loans and leases to total assets | 65.6192% | 4,665 |
| Net loans and leases to deposits | 72.5927% | 5,667 |
| Net loans and leases to core deposits | 91.3209% | 5,422 |
| Total domestic deposits to total assets | 90.3936% | 646 |
| Equity capital to assets | 9.0696% | 5,269 |
| Core capital (leverage) ratio | 9.2824% | 4,269 |
| Tier 1 risk-based capital ratio | 12.5047% | 4,550 |
| Total risk-based capital ratio | 13.7618% | 4,459 |
| Memoranda: | ||
| Average total assets | $518,044,000 | 1,371 |
| Average earning assets | $481,782,500 | 1,345 |
| Average equity | $48,429,000 | 1,423 |
| Average total loans | $357,830,500 | 1,406 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1177% | 4,950 |
| Cost of funding earning assets | 0.6435% | 8,166 |
| Net interest margin | 5.4742% | 216 |
| Noninterest income to average assets | 1.1195% | 1,247 |
| Noninterest expense to average assets | 5.1371% | 592 |
| Loan and lease loss provision to assets | 0.0613% | 6,638 |
| Net operating income to assets | 0.6368% | 4,162 |
| Return on assets (ROA) | 0.6407% | 3,993 |
| Pretax return on assets | 0.9458% | 3,564 |
| Return on Equity (ROE) | 6.7505% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.7505% | 1,241 |
| Net charge-offs to loans | 0.0414% | 6,199 |
| Credit loss provision to net charge-offs | 214.2857% | 2,254 |
| Earnings coverage of net charge-offs (x) | 34.9857% | 1,035 |
| Efficiency ratio | 83.6869% | 2,094 |
| Assets per employee ($millions) | 2.3244% | 7,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 2,020 |
| Loan loss allowance to noncurrent loans | 80.7426% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 3,279 |
| Noncurrent loans to loans | 2.0608% | 2,680 |
| Net loans and leases to total assets | 70.2089% | 3,972 |
| Net loans and leases to deposits | 78.2461% | 5,304 |
| Net loans and leases to core deposits | 96.2318% | 5,236 |
| Total domestic deposits to total assets | 89.7284% | 758 |
| Equity capital to assets | 9.6477% | 4,491 |
| Core capital (leverage) ratio | 9.7070% | 3,758 |
| Tier 1 risk-based capital ratio | 12.6286% | 4,345 |
| Total risk-based capital ratio | 13.8828% | 4,253 |
| Memoranda: | ||
| Average total assets | $489,131,800 | 1,396 |
| Average earning assets | $448,450,800 | 1,385 |
| Average equity | $46,426,200 | 1,467 |
| Average total loans | $338,537,200 | 1,435 |