Home > Mansfield Co-operative Bank > Performance and Condition Ratios
Mansfield Co-operative Bank, Performance and Condition Ratios
| 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 | 3.5915% | 4,028 |
| Cost of funding earning assets | 0.9406% | 929 |
| Net interest margin | 2.6509% | 4,525 |
| Noninterest income to average assets | 0.6072% | 2,147 |
| Noninterest expense to average assets | 2.5400% | 2,721 |
| Loan and lease loss provision to assets | 0.0464% | 3,778 |
| Net operating income to assets | 0.4205% | 4,218 |
| Return on assets (ROA) | 0.4257% | 4,281 |
| Pretax return on assets | 0.5463% | 4,197 |
| Return on Equity (ROE) | 4.1336% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.1336% | 2,977 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2519% | 776 |
| Assets per employee ($millions) | 7.4946% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,870 |
| Loan loss allowance to noncurrent loans | 220.0647% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 2,687 |
| Noncurrent loans to loans | 0.5288% | 2,479 |
| Net loans and leases to total assets | 68.2865% | 2,197 |
| Net loans and leases to deposits | 80.3233% | 2,283 |
| Net loans and leases to core deposits | 88.0489% | 2,140 |
| Total domestic deposits to total assets | 85.0146% | 2,426 |
| Equity capital to assets | 9.9963% | 3,223 |
| Core capital (leverage) ratio | 9.8081% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1662% | 1,217 |
| Memoranda: | ||
| Average total assets | $562,828,750 | 1,388 |
| Average earning assets | $534,799,750 | 1,364 |
| Average equity | $57,963,250 | 1,482 |
| Average total loans | $421,067,000 | 1,291 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7791% | 3,917 |
| Cost of funding earning assets | 1.0298% | 897 |
| Net interest margin | 2.7493% | 4,508 |
| Noninterest income to average assets | 0.5988% | 2,132 |
| Noninterest expense to average assets | 2.4553% | 3,086 |
| Loan and lease loss provision to assets | 0.1812% | 2,212 |
| Net operating income to assets | 0.4448% | 4,139 |
| Return on assets (ROA) | 0.4448% | 4,202 |
| Pretax return on assets | 0.5717% | 4,116 |
| Return on Equity (ROE) | 4.2741% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.2741% | 2,788 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5329% | 1,217 |
| Assets per employee ($millions) | 6.8860% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,647 |
| Loan loss allowance to noncurrent loans | 232.8736% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 2,822 |
| Noncurrent loans to loans | 0.5036% | 2,638 |
| Net loans and leases to total assets | 72.0681% | 1,694 |
| Net loans and leases to deposits | 85.1135% | 1,872 |
| Net loans and leases to core deposits | 93.7653% | 1,762 |
| Total domestic deposits to total assets | 84.6729% | 2,511 |
| Equity capital to assets | 9.8908% | 3,296 |
| Core capital (leverage) ratio | 10.0741% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3897% | 1,393 |
| Memoranda: | ||
| Average total assets | $553,081,667 | 1,386 |
| Average earning assets | $524,933,667 | 1,361 |
| Average equity | $57,556,000 | 1,474 |
| Average total loans | $425,068,000 | 1,267 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 3,216 |
| Cost of funding earning assets | 1.1225% | 980 |
| Net interest margin | 3.0747% | 4,146 |
| Noninterest income to average assets | 0.6223% | 1,941 |
| Noninterest expense to average assets | 2.6271% | 2,903 |
| Loan and lease loss provision to assets | 0.3801% | 805 |
| Net operating income to assets | 0.4146% | 4,100 |
| Return on assets (ROA) | 0.4146% | 4,142 |
| Pretax return on assets | 0.5271% | 4,076 |
| Return on Equity (ROE) | 3.8775% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.8775% | 2,724 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3318% | 1,771 |
| Assets per employee ($millions) | 6.5229% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,619 |
| Loan loss allowance to noncurrent loans | 382.6415% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,031 |
| Noncurrent loans to loans | 0.3160% | 3,363 |
| Net loans and leases to total assets | 75.6062% | 1,368 |
| Net loans and leases to deposits | 90.8489% | 1,418 |
| Net loans and leases to core deposits | 101.0200% | 1,396 |
| Total domestic deposits to total assets | 83.2219% | 3,038 |
| Equity capital to assets | 10.5000% | 3,321 |
| Core capital (leverage) ratio | 10.7941% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1031% | 1,577 |
| Memoranda: | ||
| Average total assets | $533,525,500 | 1,388 |
| Average earning assets | $505,291,500 | 1,365 |
| Average equity | $57,047,500 | 1,468 |
| Average total loans | $421,678,000 | 1,242 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 3,392 |
| Cost of funding earning assets | 1.1613% | 1,123 |
| Net interest margin | 3.1887% | 4,209 |
| Noninterest income to average assets | 0.4753% | 2,876 |
| Noninterest expense to average assets | 2.7781% | 2,673 |
| Loan and lease loss provision to assets | 0.0320% | 3,376 |
| Net operating income to assets | 0.5198% | 4,363 |
| Return on assets (ROA) | 0.5182% | 4,416 |
| Pretax return on assets | 0.6679% | 4,286 |
| Return on Equity (ROE) | 4.9331% | 4,224 |
| Retained earnings to average equity (ytd only) | 4.9331% | 2,454 |
| Net charge-offs to loans | 0.0463% | 2,463 |
| Credit loss provision to net charge-offs | 84.3434% | 2,743 |
| Earnings coverage of net charge-offs (x) | 18.5152% | 2,055 |
| Efficiency ratio | 79.8283% | 960 |
| Assets per employee ($millions) | 6.4090% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,077 |
| Loan loss allowance to noncurrent loans | 320.4354% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,849 |
| Noncurrent loans to loans | 0.3358% | 3,239 |
| Net loans and leases to total assets | 80.8007% | 693 |
| Net loans and leases to deposits | 98.8982% | 681 |
| Net loans and leases to core deposits | 110.3578% | 830 |
| Total domestic deposits to total assets | 81.7009% | 3,589 |
| Equity capital to assets | 10.8958% | 3,097 |
| Core capital (leverage) ratio | 10.7377% | 2,729 |
| Tier 1 risk-based capital ratio | 14.4951% | 3,022 |
| Total risk-based capital ratio | 15.6771% | 2,959 |
| Memoranda: | ||
| Average total assets | $522,221,800 | 1,369 |
| Average earning assets | $492,117,800 | 1,348 |
| Average equity | $54,853,800 | 1,474 |
| Average total loans | $427,930,600 | 1,202 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 3,473 |
| Cost of funding earning assets | 1.1532% | 1,164 |
| Net interest margin | 3.2089% | 4,277 |
| Noninterest income to average assets | 0.4747% | 2,878 |
| Noninterest expense to average assets | 2.7423% | 2,733 |
| Loan and lease loss provision to assets | -0.0186% | 5,075 |
| Net operating income to assets | 0.5949% | 4,308 |
| Return on assets (ROA) | 0.5927% | 4,367 |
| Pretax return on assets | 0.7702% | 4,195 |
| Return on Equity (ROE) | 5.6956% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.6956% | 2,511 |
| Net charge-offs to loans | 0.0615% | 1,943 |
| Credit loss provision to net charge-offs | -36.8687% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.9446% | 2,223 |
| Efficiency ratio | 78.4267% | 1,062 |
| Assets per employee ($millions) | 6.2766% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,238 |
| Loan loss allowance to noncurrent loans | 484.6413% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 3,340 |
| Noncurrent loans to loans | 0.2182% | 3,761 |
| Net loans and leases to total assets | 76.7106% | 1,358 |
| Net loans and leases to deposits | 95.3936% | 1,085 |
| Net loans and leases to core deposits | 106.2165% | 1,168 |
| Total domestic deposits to total assets | 80.4148% | 3,886 |
| Equity capital to assets | 10.6592% | 3,412 |
| Core capital (leverage) ratio | 10.6170% | 2,999 |
| Tier 1 risk-based capital ratio | 14.7239% | 2,984 |
| Total risk-based capital ratio | 15.8693% | 2,947 |
| Memoranda: | ||
| Average total assets | $522,995,000 | 1,372 |
| Average earning assets | $492,532,250 | 1,352 |
| Average equity | $54,426,500 | 1,483 |
| Average total loans | $428,907,500 | 1,208 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 3,358 |
| Cost of funding earning assets | 1.1385% | 1,168 |
| Net interest margin | 3.2528% | 4,233 |
| Noninterest income to average assets | 0.4172% | 3,157 |
| Noninterest expense to average assets | 2.8786% | 2,335 |
| Loan and lease loss provision to assets | 0.0261% | 3,298 |
| Net operating income to assets | 0.4554% | 4,630 |
| Return on assets (ROA) | 0.4521% | 4,664 |
| Pretax return on assets | 0.5736% | 4,587 |
| Return on Equity (ROE) | 4.3800% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.3800% | 3,078 |
| Net charge-offs to loans | 0.0909% | 1,452 |
| Credit loss provision to net charge-offs | 34.3434% | 2,576 |
| Earnings coverage of net charge-offs (x) | 7.9545% | 2,448 |
| Efficiency ratio | 82.6580% | 758 |
| Assets per employee ($millions) | 6.3595% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,454 |
| Loan loss allowance to noncurrent loans | 496.9933% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,314 |
| Noncurrent loans to loans | 0.2067% | 3,803 |
| Net loans and leases to total assets | 82.4362% | 542 |
| Net loans and leases to deposits | 103.3394% | 454 |
| Net loans and leases to core deposits | 115.1091% | 724 |
| Total domestic deposits to total assets | 79.7723% | 4,077 |
| Equity capital to assets | 10.5204% | 3,500 |
| Core capital (leverage) ratio | 10.4265% | 3,165 |
| Tier 1 risk-based capital ratio | 14.2757% | 3,175 |
| Total risk-based capital ratio | 15.4463% | 3,133 |
| Memoranda: | ||
| Average total assets | $521,581,670 | 1,377 |
| Average earning assets | $491,514,000 | 1,354 |
| Average equity | $53,835,670 | 1,493 |
| Average total loans | $435,620,670 | 1,193 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 3,429 |
| Cost of funding earning assets | 1.0994% | 1,189 |
| Net interest margin | 3.2422% | 4,299 |
| Noninterest income to average assets | 0.4034% | 3,162 |
| Noninterest expense to average assets | 2.8925% | 2,296 |
| Loan and lease loss provision to assets | 0.0299% | 3,019 |
| Net operating income to assets | 0.4302% | 4,665 |
| Return on assets (ROA) | 0.4271% | 4,685 |
| Pretax return on assets | 0.5345% | 4,615 |
| Return on Equity (ROE) | 4.1783% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.1783% | 3,250 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5808% | 743 |
| Assets per employee ($millions) | 6.1584% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,360 |
| Loan loss allowance to noncurrent loans | 281.8127% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,340 |
| Noncurrent loans to loans | 0.3759% | 3,237 |
| Net loans and leases to total assets | 82.6693% | 509 |
| Net loans and leases to deposits | 103.7514% | 405 |
| Net loans and leases to core deposits | 115.6059% | 658 |
| Total domestic deposits to total assets | 79.6801% | 4,224 |
| Equity capital to assets | 10.2880% | 3,533 |
| Core capital (leverage) ratio | 10.3539% | 3,216 |
| Tier 1 risk-based capital ratio | 13.9814% | 3,344 |
| Total risk-based capital ratio | 15.1853% | 3,293 |
| Memoranda: | ||
| Average total assets | $521,631,000 | 1,384 |
| Average earning assets | $491,886,000 | 1,363 |
| Average equity | $53,322,500 | 1,491 |
| Average total loans | $436,254,000 | 1,197 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,292 |
| Cost of funding earning assets | 0.8541% | 1,288 |
| Net interest margin | 3.3918% | 4,020 |
| Noninterest income to average assets | 0.4182% | 3,323 |
| Noninterest expense to average assets | 2.7620% | 2,819 |
| Loan and lease loss provision to assets | 0.0569% | 3,033 |
| Net operating income to assets | 0.6174% | 4,368 |
| Return on assets (ROA) | 0.6208% | 4,374 |
| Pretax return on assets | 0.8026% | 4,161 |
| Return on Equity (ROE) | 6.2578% | 4,087 |
| Retained earnings to average equity (ytd only) | 6.2578% | 2,052 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3573% | 1,309 |
| Assets per employee ($millions) | 6.1153% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,344 |
| Loan loss allowance to noncurrent loans | 278.0872% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,284 |
| Noncurrent loans to loans | 0.3797% | 3,170 |
| Net loans and leases to total assets | 82.8278% | 537 |
| Net loans and leases to deposits | 102.7628% | 546 |
| Net loans and leases to core deposits | 114.9868% | 736 |
| Total domestic deposits to total assets | 80.6010% | 3,977 |
| Equity capital to assets | 10.1560% | 3,521 |
| Core capital (leverage) ratio | 10.2287% | 3,326 |
| Tier 1 risk-based capital ratio | 13.9524% | 3,314 |
| Total risk-based capital ratio | 15.1561% | 3,258 |
| Memoranda: | ||
| Average total assets | $515,322,200 | 1,367 |
| Average earning assets | $486,030,600 | 1,345 |
| Average equity | $51,120,400 | 1,485 |
| Average total loans | $425,928,600 | 1,191 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,394 |
| Cost of funding earning assets | 0.7976% | 1,351 |
| Net interest margin | 3.3789% | 4,070 |
| Noninterest income to average assets | 0.4128% | 3,408 |
| Noninterest expense to average assets | 2.7579% | 2,783 |
| Loan and lease loss provision to assets | 0.0386% | 3,228 |
| Net operating income to assets | 0.6217% | 4,444 |
| Return on assets (ROA) | 0.6262% | 4,445 |
| Pretax return on assets | 0.8087% | 4,268 |
| Return on Equity (ROE) | 6.3506% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.3506% | 2,456 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6172% | 1,280 |
| Assets per employee ($millions) | 6.0407% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,625 |
| Loan loss allowance to noncurrent loans | 583.9895% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 4,216 |
| Noncurrent loans to loans | 0.1752% | 4,106 |
| Net loans and leases to total assets | 82.8428% | 581 |
| Net loans and leases to deposits | 102.3694% | 623 |
| Net loans and leases to core deposits | 114.1440% | 808 |
| Total domestic deposits to total assets | 80.9254% | 3,887 |
| Equity capital to assets | 9.9308% | 3,719 |
| Core capital (leverage) ratio | 10.3544% | 3,233 |
| Tier 1 risk-based capital ratio | 13.6440% | 3,552 |
| Total risk-based capital ratio | 14.8013% | 3,510 |
| Memoranda: | ||
| Average total assets | $514,203,000 | 1,373 |
| Average earning assets | $484,958,750 | 1,354 |
| Average equity | $50,702,750 | 1,499 |
| Average total loans | $423,627,750 | 1,199 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,545 |
| Cost of funding earning assets | 0.7466% | 1,383 |
| Net interest margin | 3.3254% | 4,175 |
| Noninterest income to average assets | 0.4102% | 3,422 |
| Noninterest expense to average assets | 2.7316% | 2,903 |
| Loan and lease loss provision to assets | 0.0827% | 2,260 |
| Net operating income to assets | 0.5724% | 4,587 |
| Return on assets (ROA) | 0.5792% | 4,563 |
| Pretax return on assets | 0.7404% | 4,411 |
| Return on Equity (ROE) | 5.8881% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.8881% | 2,613 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0306% | 1,312 |
| Assets per employee ($millions) | 5.9677% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,597 |
| Loan loss allowance to noncurrent loans | 585.3437% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 4,257 |
| Noncurrent loans to loans | 0.1776% | 4,110 |
| Net loans and leases to total assets | 81.8026% | 727 |
| Net loans and leases to deposits | 102.0702% | 655 |
| Net loans and leases to core deposits | 114.3560% | 780 |
| Total domestic deposits to total assets | 80.1434% | 4,204 |
| Equity capital to assets | 9.6958% | 3,924 |
| Core capital (leverage) ratio | 10.1342% | 3,443 |
| Tier 1 risk-based capital ratio | 13.5998% | 3,564 |
| Total risk-based capital ratio | 14.7908% | 3,502 |
| Memoranda: | ||
| Average total assets | $512,438,670 | 1,380 |
| Average earning assets | $483,247,670 | 1,366 |
| Average equity | $50,407,000 | 1,510 |
| Average total loans | $419,898,670 | 1,211 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,537 |
| Cost of funding earning assets | 0.7014% | 1,432 |
| Net interest margin | 3.3182% | 4,137 |
| Noninterest income to average assets | 0.3944% | 3,511 |
| Noninterest expense to average assets | 2.7774% | 2,781 |
| Loan and lease loss provision to assets | 0.0427% | 2,906 |
| Net operating income to assets | 0.5549% | 4,560 |
| Return on assets (ROA) | 0.5549% | 4,562 |
| Pretax return on assets | 0.7042% | 4,431 |
| Return on Equity (ROE) | 5.5990% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.5990% | 2,902 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8069% | 1,281 |
| Assets per employee ($millions) | 5.8117% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,700 |
| Loan loss allowance to noncurrent loans | 507.5758% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,236 |
| Noncurrent loans to loans | 0.2057% | 4,051 |
| Net loans and leases to total assets | 81.6297% | 705 |
| Net loans and leases to deposits | 99.1382% | 774 |
| Net loans and leases to core deposits | 110.9126% | 952 |
| Total domestic deposits to total assets | 82.3393% | 3,863 |
| Equity capital to assets | 9.9377% | 3,653 |
| Core capital (leverage) ratio | 10.1994% | 3,306 |
| Tier 1 risk-based capital ratio | 14.4855% | 3,129 |
| Total risk-based capital ratio | 15.7285% | 3,042 |
| Memoranda: | ||
| Average total assets | $506,080,000 | 1,411 |
| Average earning assets | $477,362,000 | 1,392 |
| Average equity | $50,151,500 | 1,528 |
| Average total loans | $412,796,000 | 1,230 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,438 |
| Cost of funding earning assets | 0.6460% | 1,321 |
| Net interest margin | 3.3434% | 4,029 |
| Noninterest income to average assets | 0.4448% | 3,343 |
| Noninterest expense to average assets | 2.7734% | 2,871 |
| Loan and lease loss provision to assets | 0.0174% | 3,949 |
| Net operating income to assets | 0.4295% | 4,592 |
| Return on assets (ROA) | 0.4321% | 4,607 |
| Pretax return on assets | 0.8076% | 4,220 |
| Return on Equity (ROE) | 4.2892% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.2892% | 2,588 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1617% | 1,464 |
| Assets per employee ($millions) | 5.8223% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,613 |
| Loan loss allowance to noncurrent loans | 637.1852% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,472 |
| Noncurrent loans to loans | 0.1652% | 4,268 |
| Net loans and leases to total assets | 79.7962% | 988 |
| Net loans and leases to deposits | 97.1268% | 981 |
| Net loans and leases to core deposits | 108.6589% | 1,087 |
| Total domestic deposits to total assets | 82.1568% | 3,828 |
| Equity capital to assets | 9.8820% | 3,841 |
| Core capital (leverage) ratio | 10.1163% | 3,290 |
| Tier 1 risk-based capital ratio | 14.6073% | 3,037 |
| Total risk-based capital ratio | 15.8573% | 2,963 |
| Memoranda: | ||
| Average total assets | $488,744,400 | 1,433 |
| Average earning assets | $460,406,000 | 1,414 |
| Average equity | $49,240,400 | 1,535 |
| Average total loans | $395,819,200 | 1,241 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,442 |
| Cost of funding earning assets | 0.6416% | 1,296 |
| Net interest margin | 3.3343% | 4,068 |
| Noninterest income to average assets | 0.4490% | 3,338 |
| Noninterest expense to average assets | 2.7696% | 2,826 |
| Loan and lease loss provision to assets | 0.0143% | 3,855 |
| Net operating income to assets | 0.5715% | 4,499 |
| Return on assets (ROA) | 0.5754% | 4,527 |
| Pretax return on assets | 0.8113% | 4,320 |
| Return on Equity (ROE) | 5.6827% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.6827% | 2,443 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1532% | 1,443 |
| Assets per employee ($millions) | 5.8699% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,755 |
| Loan loss allowance to noncurrent loans | 508.7008% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 4,423 |
| Noncurrent loans to loans | 0.2075% | 4,245 |
| Net loans and leases to total assets | 81.1396% | 819 |
| Net loans and leases to deposits | 95.3731% | 1,167 |
| Net loans and leases to core deposits | 106.4366% | 1,244 |
| Total domestic deposits to total assets | 85.0760% | 2,685 |
| Equity capital to assets | 10.1813% | 3,709 |
| Core capital (leverage) ratio | 10.1529% | 3,373 |
| Tier 1 risk-based capital ratio | 14.9422% | 2,943 |
| Total risk-based capital ratio | 16.1925% | 2,866 |
| Memoranda: | ||
| Average total assets | $484,295,750 | 1,455 |
| Average earning assets | $456,170,750 | 1,433 |
| Average equity | $49,036,500 | 1,554 |
| Average total loans | $392,649,000 | 1,260 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,357 |
| Cost of funding earning assets | 0.6267% | 1,294 |
| Net interest margin | 3.3307% | 4,014 |
| Noninterest income to average assets | 0.4371% | 3,442 |
| Noninterest expense to average assets | 2.8024% | 2,755 |
| Loan and lease loss provision to assets | -0.0091% | 5,541 |
| Net operating income to assets | 0.5529% | 4,509 |
| Return on assets (ROA) | 0.5588% | 4,525 |
| Pretax return on assets | 0.7877% | 4,321 |
| Return on Equity (ROE) | 5.5295% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.5295% | 2,390 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4394% | 1,403 |
| Assets per employee ($millions) | 5.8671% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,779 |
| Loan loss allowance to noncurrent loans | 479.3143% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,470 |
| Noncurrent loans to loans | 0.2216% | 4,232 |
| Net loans and leases to total assets | 79.2786% | 1,053 |
| Net loans and leases to deposits | 92.6003% | 1,416 |
| Net loans and leases to core deposits | 103.9114% | 1,356 |
| Total domestic deposits to total assets | 85.6137% | 2,562 |
| Equity capital to assets | 10.0347% | 3,873 |
| Core capital (leverage) ratio | 10.2050% | 3,268 |
| Tier 1 risk-based capital ratio | 14.6440% | 3,088 |
| Total risk-based capital ratio | 15.8902% | 3,012 |
| Memoranda: | ||
| Average total assets | $481,371,000 | 1,468 |
| Average earning assets | $453,176,000 | 1,442 |
| Average equity | $48,648,330 | 1,571 |
| Average total loans | $388,751,000 | 1,274 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,071 |
| Cost of funding earning assets | 0.6114% | 1,289 |
| Net interest margin | 3.3789% | 3,719 |
| Noninterest income to average assets | 0.4255% | 3,474 |
| Noninterest expense to average assets | 2.9224% | 2,390 |
| Loan and lease loss provision to assets | 0.0008% | 3,532 |
| Net operating income to assets | 0.4920% | 4,632 |
| Return on assets (ROA) | 0.4920% | 4,651 |
| Pretax return on assets | 0.6812% | 4,500 |
| Return on Equity (ROE) | 4.8502% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.8502% | 2,985 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0779% | 1,248 |
| Assets per employee ($millions) | 5.7300% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,813 |
| Loan loss allowance to noncurrent loans | 516.1567% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,571 |
| Noncurrent loans to loans | 0.2096% | 4,361 |
| Net loans and leases to total assets | 80.1023% | 817 |
| Net loans and leases to deposits | 94.0985% | 1,096 |
| Net loans and leases to core deposits | 103.9263% | 1,230 |
| Total domestic deposits to total assets | 85.1259% | 3,034 |
| Equity capital to assets | 10.0908% | 3,646 |
| Core capital (leverage) ratio | 10.2099% | 3,229 |
| Tier 1 risk-based capital ratio | 14.4290% | 3,239 |
| Total risk-based capital ratio | 15.6790% | 3,165 |
| Memoranda: | ||
| Average total assets | $475,637,500 | 1,489 |
| Average earning assets | $447,487,500 | 1,461 |
| Average equity | $48,245,000 | 1,579 |
| Average total loans | $385,672,000 | 1,289 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 3,358 |
| Cost of funding earning assets | 0.6393% | 1,113 |
| Net interest margin | 3.3166% | 4,095 |
| Noninterest income to average assets | 0.5299% | 3,031 |
| Noninterest expense to average assets | 2.9350% | 2,548 |
| Loan and lease loss provision to assets | 0.0064% | 4,236 |
| Net operating income to assets | 0.5230% | 4,537 |
| Return on assets (ROA) | 0.5227% | 4,625 |
| Pretax return on assets | 0.7259% | 4,406 |
| Return on Equity (ROE) | 5.1885% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.1885% | 2,211 |
| Net charge-offs to loans | -0.0154% | 5,057 |
| Credit loss provision to net charge-offs | -52.6316% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0221% | 1,417 |
| Assets per employee ($millions) | 5.5947% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,685 |
| Loan loss allowance to noncurrent loans | 337.4700% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 4,223 |
| Noncurrent loans to loans | 0.3273% | 3,969 |
| Net loans and leases to total assets | 80.2979% | 853 |
| Net loans and leases to deposits | 94.0644% | 1,189 |
| Net loans and leases to core deposits | 103.1526% | 1,345 |
| Total domestic deposits to total assets | 85.3647% | 2,895 |
| Equity capital to assets | 10.1970% | 3,493 |
| Core capital (leverage) ratio | 10.0989% | 3,371 |
| Tier 1 risk-based capital ratio | 14.4594% | 3,211 |
| Total risk-based capital ratio | 15.7097% | 3,141 |
| Memoranda: | ||
| Average total assets | $468,934,200 | 1,456 |
| Average earning assets | $443,641,200 | 1,433 |
| Average equity | $47,239,000 | 1,599 |
| Average total loans | $371,294,200 | 1,269 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,426 |
| Cost of funding earning assets | 0.6417% | 1,088 |
| Net interest margin | 3.3081% | 4,162 |
| Noninterest income to average assets | 0.4768% | 3,398 |
| Noninterest expense to average assets | 2.9114% | 2,611 |
| Loan and lease loss provision to assets | -0.0213% | 5,675 |
| Net operating income to assets | 0.5187% | 4,627 |
| Return on assets (ROA) | 0.5183% | 4,730 |
| Pretax return on assets | 0.7203% | 4,553 |
| Return on Equity (ROE) | 5.1611% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.1611% | 2,717 |
| Net charge-offs to loans | -0.0206% | 5,012 |
| Credit loss provision to net charge-offs | 131.5789% | 1,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6271% | 1,353 |
| Assets per employee ($millions) | 5.4836% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,844 |
| Loan loss allowance to noncurrent loans | 158.1377% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 3,307 |
| Noncurrent loans to loans | 0.6948% | 2,946 |
| Net loans and leases to total assets | 76.6651% | 1,413 |
| Net loans and leases to deposits | 89.8954% | 1,770 |
| Net loans and leases to core deposits | 99.5257% | 1,682 |
| Total domestic deposits to total assets | 85.2825% | 2,684 |
| Equity capital to assets | 9.9709% | 4,151 |
| Core capital (leverage) ratio | 9.9633% | 3,619 |
| Tier 1 risk-based capital ratio | 14.5957% | 3,237 |
| Total risk-based capital ratio | 15.8458% | 3,177 |
| Memoranda: | ||
| Average total assets | $468,679,250 | 1,460 |
| Average earning assets | $444,030,000 | 1,435 |
| Average equity | $47,068,500 | 1,613 |
| Average total loans | $368,723,250 | 1,276 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,449 |
| Cost of funding earning assets | 0.6453% | 1,071 |
| Net interest margin | 3.2993% | 4,233 |
| Noninterest income to average assets | 0.4452% | 3,558 |
| Noninterest expense to average assets | 2.9324% | 2,577 |
| Loan and lease loss provision to assets | 0.0009% | 4,013 |
| Net operating income to assets | 0.4603% | 4,837 |
| Return on assets (ROA) | 0.4603% | 4,921 |
| Pretax return on assets | 0.6430% | 4,778 |
| Return on Equity (ROE) | 4.5720% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5720% | 3,003 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9957% | 1,271 |
| Assets per employee ($millions) | 5.4550% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,855 |
| Loan loss allowance to noncurrent loans | 159.6444% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 3,392 |
| Noncurrent loans to loans | 0.7000% | 2,980 |
| Net loans and leases to total assets | 76.9975% | 1,339 |
| Net loans and leases to deposits | 90.3728% | 1,709 |
| Net loans and leases to core deposits | 100.5423% | 1,595 |
| Total domestic deposits to total assets | 85.1999% | 2,785 |
| Equity capital to assets | 10.0147% | 4,210 |
| Core capital (leverage) ratio | 9.9854% | 3,578 |
| Tier 1 risk-based capital ratio | 14.5640% | 3,286 |
| Total risk-based capital ratio | 15.8144% | 3,214 |
| Memoranda: | ||
| Average total assets | $464,053,670 | 1,478 |
| Average earning assets | $440,390,670 | 1,453 |
| Average equity | $46,719,670 | 1,624 |
| Average total loans | $366,943,670 | 1,277 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,338 |
| Cost of funding earning assets | 0.6481% | 1,067 |
| Net interest margin | 3.3201% | 4,143 |
| Noninterest income to average assets | 0.4298% | 3,618 |
| Noninterest expense to average assets | 2.9347% | 2,590 |
| Loan and lease loss provision to assets | -0.0471% | 5,942 |
| Net operating income to assets | 0.4996% | 4,630 |
| Return on assets (ROA) | 0.4996% | 4,728 |
| Pretax return on assets | 0.7045% | 4,510 |
| Return on Equity (ROE) | 4.9487% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.9487% | 2,978 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6990% | 1,400 |
| Assets per employee ($millions) | 5.2228% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,969 |
| Loan loss allowance to noncurrent loans | 136.1631% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 3,106 |
| Noncurrent loans to loans | 0.8186% | 2,793 |
| Net loans and leases to total assets | 78.6379% | 1,005 |
| Net loans and leases to deposits | 92.8872% | 1,237 |
| Net loans and leases to core deposits | 103.3440% | 1,234 |
| Total domestic deposits to total assets | 84.6596% | 3,253 |
| Equity capital to assets | 10.1733% | 3,872 |
| Core capital (leverage) ratio | 10.0700% | 3,448 |
| Tier 1 risk-based capital ratio | 14.8834% | 3,207 |
| Total risk-based capital ratio | 16.1343% | 3,147 |
| Memoranda: | ||
| Average total assets | $458,788,500 | 1,495 |
| Average earning assets | $436,969,000 | 1,459 |
| Average equity | $46,315,500 | 1,627 |
| Average total loans | $365,641,500 | 1,282 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,117 |
| Cost of funding earning assets | 0.6448% | 1,100 |
| Net interest margin | 3.4045% | 3,896 |
| Noninterest income to average assets | 0.4590% | 3,599 |
| Noninterest expense to average assets | 2.8370% | 3,085 |
| Loan and lease loss provision to assets | -0.0334% | 5,701 |
| Net operating income to assets | 0.6206% | 4,180 |
| Return on assets (ROA) | 0.6206% | 4,272 |
| Pretax return on assets | 0.8972% | 3,847 |
| Return on Equity (ROE) | 6.3725% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.3725% | 1,620 |
| Net charge-offs to loans | 0.0067% | 4,214 |
| Credit loss provision to net charge-offs | -612.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 158.2400% | 404 |
| Efficiency ratio | 76.6594% | 2,167 |
| Assets per employee ($millions) | 5.3253% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 3,873 |
| Loan loss allowance to noncurrent loans | 228.9517% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 4,021 |
| Noncurrent loans to loans | 0.4929% | 3,721 |
| Net loans and leases to total assets | 78.9693% | 999 |
| Net loans and leases to deposits | 93.4217% | 1,259 |
| Net loans and leases to core deposits | 103.5335% | 1,251 |
| Total domestic deposits to total assets | 84.5299% | 3,272 |
| Equity capital to assets | 10.0167% | 3,936 |
| Core capital (leverage) ratio | 9.9165% | 3,623 |
| Tier 1 risk-based capital ratio | 14.6674% | 3,343 |
| Total risk-based capital ratio | 15.9185% | 3,272 |
| Memoranda: | ||
| Average total assets | $457,977,000 | 1,469 |
| Average earning assets | $436,101,400 | 1,430 |
| Average equity | $44,598,000 | 1,656 |
| Average total loans | $371,098,000 | 1,228 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,145 |
| Cost of funding earning assets | 0.6363% | 1,171 |
| Net interest margin | 3.4094% | 3,912 |
| Noninterest income to average assets | 0.4507% | 3,714 |
| Noninterest expense to average assets | 2.8603% | 2,975 |
| Loan and lease loss provision to assets | -0.0544% | 5,921 |
| Net operating income to assets | 0.6384% | 4,193 |
| Return on assets (ROA) | 0.6384% | 4,307 |
| Pretax return on assets | 0.8911% | 4,011 |
| Return on Equity (ROE) | 6.6034% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.6034% | 1,886 |
| Net charge-offs to loans | 0.0089% | 3,849 |
| Credit loss provision to net charge-offs | -748.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | 114.9685% | 555 |
| Efficiency ratio | 77.3683% | 2,038 |
| Assets per employee ($millions) | 5.4795% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 4,140 |
| Loan loss allowance to noncurrent loans | 249.6341% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 4,345 |
| Noncurrent loans to loans | 0.4468% | 4,006 |
| Net loans and leases to total assets | 78.8593% | 980 |
| Net loans and leases to deposits | 94.0868% | 1,194 |
| Net loans and leases to core deposits | 104.1497% | 1,219 |
| Total domestic deposits to total assets | 83.8154% | 3,501 |
| Equity capital to assets | 9.8727% | 4,312 |
| Core capital (leverage) ratio | 9.7374% | 3,986 |
| Tier 1 risk-based capital ratio | 14.3729% | 3,642 |
| Total risk-based capital ratio | 15.6237% | 3,558 |
| Memoranda: | ||
| Average total assets | $457,978,000 | 1,473 |
| Average earning assets | $436,071,750 | 1,427 |
| Average equity | $44,279,000 | 1,673 |
| Average total loans | $372,426,000 | 1,232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 3,113 |
| Cost of funding earning assets | 0.6280% | 1,241 |
| Net interest margin | 3.4155% | 3,854 |
| Noninterest income to average assets | 0.4348% | 3,814 |
| Noninterest expense to average assets | 2.9120% | 2,857 |
| Loan and lease loss provision to assets | 0.0206% | 3,724 |
| Net operating income to assets | 0.5490% | 4,563 |
| Return on assets (ROA) | 0.5490% | 4,669 |
| Pretax return on assets | 0.7546% | 4,475 |
| Return on Equity (ROE) | 5.7187% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.7187% | 2,402 |
| Net charge-offs to loans | 0.0342% | 2,982 |
| Credit loss provision to net charge-offs | 73.4375% | 2,415 |
| Earnings coverage of net charge-offs (x) | 27.6875% | 1,444 |
| Efficiency ratio | 78.9773% | 1,921 |
| Assets per employee ($millions) | 5.2859% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 4,107 |
| Loan loss allowance to noncurrent loans | 228.6247% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 4,284 |
| Noncurrent loans to loans | 0.5012% | 3,958 |
| Net loans and leases to total assets | 80.4668% | 742 |
| Net loans and leases to deposits | 96.2113% | 945 |
| Net loans and leases to core deposits | 107.1194% | 1,021 |
| Total domestic deposits to total assets | 83.6355% | 3,721 |
| Equity capital to assets | 9.6479% | 4,471 |
| Core capital (leverage) ratio | 9.5793% | 4,165 |
| Tier 1 risk-based capital ratio | 13.6995% | 4,098 |
| Total risk-based capital ratio | 14.9505% | 4,034 |
| Memoranda: | ||
| Average total assets | $457,211,330 | 1,486 |
| Average earning assets | $435,367,330 | 1,440 |
| Average equity | $43,891,330 | 1,695 |
| Average total loans | $374,212,670 | 1,234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 3,133 |
| Cost of funding earning assets | 0.6170% | 1,324 |
| Net interest margin | 3.4100% | 3,806 |
| Noninterest income to average assets | 0.4326% | 3,748 |
| Noninterest expense to average assets | 2.9236% | 2,826 |
| Loan and lease loss provision to assets | 0.0298% | 3,293 |
| Net operating income to assets | 0.5387% | 4,519 |
| Return on assets (ROA) | 0.5387% | 4,633 |
| Pretax return on assets | 0.7283% | 4,509 |
| Return on Equity (ROE) | 5.6262% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.6262% | 2,699 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4090% | 1,970 |
| Assets per employee ($millions) | 5.5851% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 4,231 |
| Loan loss allowance to noncurrent loans | 260.0359% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 4,551 |
| Noncurrent loans to loans | 0.4446% | 4,255 |
| Net loans and leases to total assets | 81.0190% | 567 |
| Net loans and leases to deposits | 97.4020% | 731 |
| Net loans and leases to core deposits | 108.7444% | 797 |
| Total domestic deposits to total assets | 83.1801% | 4,126 |
| Equity capital to assets | 9.6188% | 4,611 |
| Core capital (leverage) ratio | 9.5168% | 4,249 |
| Tier 1 risk-based capital ratio | 13.6338% | 4,261 |
| Total risk-based capital ratio | 14.8838% | 4,169 |
| Memoranda: | ||
| Average total assets | $455,880,500 | 1,494 |
| Average earning assets | $434,369,500 | 1,445 |
| Average equity | $43,653,000 | 1,707 |
| Average total loans | $374,152,000 | 1,227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,513 |
| Cost of funding earning assets | 0.6471% | 1,427 |
| Net interest margin | 3.4057% | 4,173 |
| Noninterest income to average assets | 0.4737% | 3,688 |
| Noninterest expense to average assets | 3.0034% | 2,834 |
| Loan and lease loss provision to assets | 0.1126% | 2,289 |
| Net operating income to assets | 0.4524% | 5,010 |
| Return on assets (ROA) | 0.4716% | 5,017 |
| Pretax return on assets | 0.6205% | 4,870 |
| Return on Equity (ROE) | 4.8497% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.8497% | 2,720 |
| Net charge-offs to loans | 0.0078% | 4,768 |
| Credit loss provision to net charge-offs | 1,803.7037% | 171 |
| Earnings coverage of net charge-offs (x) | 113.4074% | 467 |
| Efficiency ratio | 80.9269% | 1,780 |
| Assets per employee ($millions) | 5.5339% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 4,255 |
| Loan loss allowance to noncurrent loans | 256.1570% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 4,584 |
| Noncurrent loans to loans | 0.4508% | 4,293 |
| Net loans and leases to total assets | 81.2302% | 605 |
| Net loans and leases to deposits | 96.6245% | 860 |
| Net loans and leases to core deposits | 108.5121% | 859 |
| Total domestic deposits to total assets | 84.0679% | 3,686 |
| Equity capital to assets | 9.5319% | 4,685 |
| Core capital (leverage) ratio | 9.4694% | 4,285 |
| Tier 1 risk-based capital ratio | 13.1806% | 4,602 |
| Total risk-based capital ratio | 14.4060% | 4,544 |
| Memoranda: | ||
| Average total assets | $432,578,600 | 1,539 |
| Average earning assets | $411,217,400 | 1,489 |
| Average equity | $42,064,200 | 1,706 |
| Average total loans | $347,981,400 | 1,268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,743 |
| Cost of funding earning assets | 0.6478% | 1,469 |
| Net interest margin | 3.3556% | 4,408 |
| Noninterest income to average assets | 0.4821% | 3,667 |
| Noninterest expense to average assets | 3.0337% | 2,694 |
| Loan and lease loss provision to assets | 0.0633% | 3,085 |
| Net operating income to assets | 0.4353% | 5,127 |
| Return on assets (ROA) | 0.4331% | 5,210 |
| Pretax return on assets | 0.5698% | 5,128 |
| Return on Equity (ROE) | 4.4308% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.4308% | 3,500 |
| Net charge-offs to loans | 0.0008% | 4,682 |
| Credit loss provision to net charge-offs | 10,150.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,017.7041% | 70 |
| Efficiency ratio | 82.6701% | 1,530 |
| Assets per employee ($millions) | 5.1268% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 4,603 |
| Loan loss allowance to noncurrent loans | 266.9525% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 4,893 |
| Noncurrent loans to loans | 0.4237% | 4,636 |
| Net loans and leases to total assets | 80.2330% | 691 |
| Net loans and leases to deposits | 93.7059% | 1,067 |
| Net loans and leases to core deposits | 105.3828% | 995 |
| Total domestic deposits to total assets | 85.6222% | 3,061 |
| Equity capital to assets | 9.6720% | 4,582 |
| Core capital (leverage) ratio | 9.6931% | 4,089 |
| Tier 1 risk-based capital ratio | 13.4557% | 4,574 |
| Total risk-based capital ratio | 14.6793% | 4,529 |
| Memoranda: | ||
| Average total assets | $427,278,000 | 1,566 |
| Average earning assets | $405,873,750 | 1,516 |
| Average equity | $41,766,750 | 1,724 |
| Average total loans | $341,748,500 | 1,289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 3,746 |
| Cost of funding earning assets | 0.6459% | 1,541 |
| Net interest margin | 3.3485% | 4,414 |
| Noninterest income to average assets | 0.4717% | 3,698 |
| Noninterest expense to average assets | 3.1315% | 2,390 |
| Loan and lease loss provision to assets | 0.0255% | 3,770 |
| Net operating income to assets | 0.3752% | 5,309 |
| Return on assets (ROA) | 0.3752% | 5,377 |
| Pretax return on assets | 0.4935% | 5,293 |
| Return on Equity (ROE) | 3.8241% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.8241% | 3,745 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7828% | 1,290 |
| Assets per employee ($millions) | 4.9237% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 4,768 |
| Loan loss allowance to noncurrent loans | 326.9070% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 5,263 |
| Noncurrent loans to loans | 0.3457% | 4,973 |
| Net loans and leases to total assets | 78.7476% | 819 |
| Net loans and leases to deposits | 91.7013% | 1,191 |
| Net loans and leases to core deposits | 102.3610% | 1,112 |
| Total domestic deposits to total assets | 85.8741% | 3,109 |
| Equity capital to assets | 9.7282% | 4,455 |
| Core capital (leverage) ratio | 9.7110% | 4,022 |
| Tier 1 risk-based capital ratio | 13.6176% | 4,511 |
| Total risk-based capital ratio | 14.8397% | 4,472 |
| Memoranda: | ||
| Average total assets | $422,736,670 | 1,578 |
| Average earning assets | $401,311,330 | 1,526 |
| Average equity | $41,474,330 | 1,731 |
| Average total loans | $336,399,330 | 1,299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,856 |
| Cost of funding earning assets | 0.6397% | 1,652 |
| Net interest margin | 3.3206% | 4,457 |
| Noninterest income to average assets | 0.4906% | 3,489 |
| Noninterest expense to average assets | 3.1639% | 2,340 |
| Loan and lease loss provision to assets | 0.0019% | 3,800 |
| Net operating income to assets | 0.3631% | 5,261 |
| Return on assets (ROA) | 0.3631% | 5,327 |
| Pretax return on assets | 0.4781% | 5,233 |
| Return on Equity (ROE) | 3.6853% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.6853% | 3,921 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8262% | 1,357 |
| Assets per employee ($millions) | 4.7436% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,849 |
| Loan loss allowance to noncurrent loans | 483.4171% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,655 |
| Noncurrent loans to loans | 0.2387% | 5,390 |
| Net loans and leases to total assets | 78.0896% | 765 |
| Net loans and leases to deposits | 91.2737% | 1,008 |
| Net loans and leases to core deposits | 100.5048% | 1,067 |
| Total domestic deposits to total assets | 85.5554% | 3,584 |
| Equity capital to assets | 9.8169% | 4,080 |
| Core capital (leverage) ratio | 9.9252% | 3,669 |
| Tier 1 risk-based capital ratio | 13.8531% | 4,429 |
| Total risk-based capital ratio | 15.0730% | 4,401 |
| Memoranda: | ||
| Average total assets | $417,461,000 | 1,605 |
| Average earning assets | $396,433,500 | 1,557 |
| Average equity | $41,136,000 | 1,736 |
| Average total loans | $332,047,000 | 1,323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,858 |
| Cost of funding earning assets | 0.7109% | 1,736 |
| Net interest margin | 3.3558% | 4,460 |
| Noninterest income to average assets | 0.6284% | 2,929 |
| Noninterest expense to average assets | 3.0226% | 2,987 |
| Loan and lease loss provision to assets | 0.0680% | 3,772 |
| Net operating income to assets | 0.5464% | 4,524 |
| Return on assets (ROA) | 0.5644% | 4,548 |
| Pretax return on assets | 0.7144% | 4,487 |
| Return on Equity (ROE) | 5.6108% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,210 |
| Net charge-offs to loans | -0.0194% | 6,135 |
| Credit loss provision to net charge-offs | -453.3333% | 6,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9140% | 2,161 |
| Assets per employee ($millions) | 4.5860% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 4,844 |
| Loan loss allowance to noncurrent loans | 318.6413% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 5,386 |
| Noncurrent loans to loans | 0.3651% | 5,092 |
| Net loans and leases to total assets | 79.1587% | 691 |
| Net loans and leases to deposits | 93.2585% | 935 |
| Net loans and leases to core deposits | 101.5292% | 1,056 |
| Total domestic deposits to total assets | 84.8809% | 3,807 |
| Equity capital to assets | 9.8916% | 3,912 |
| Core capital (leverage) ratio | 9.9523% | 3,642 |
| Tier 1 risk-based capital ratio | 13.7443% | 4,487 |
| Total risk-based capital ratio | 14.9642% | 4,456 |
| Memoranda: | ||
| Average total assets | $399,751,600 | 1,650 |
| Average earning assets | $375,709,400 | 1,608 |
| Average equity | $40,208,400 | 1,739 |
| Average total loans | $309,295,600 | 1,374 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,883 |
| Cost of funding earning assets | 0.7257% | 1,767 |
| Net interest margin | 3.3380% | 4,502 |
| Noninterest income to average assets | 0.6224% | 3,024 |
| Noninterest expense to average assets | 3.0139% | 2,945 |
| Loan and lease loss provision to assets | 0.0343% | 4,329 |
| Net operating income to assets | 0.5474% | 4,592 |
| Return on assets (ROA) | 0.5713% | 4,616 |
| Pretax return on assets | 0.7320% | 4,571 |
| Return on Equity (ROE) | 5.6556% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.6556% | 2,631 |
| Net charge-offs to loans | -0.0395% | 6,238 |
| Credit loss provision to net charge-offs | -113.3333% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3784% | 2,046 |
| Assets per employee ($millions) | 4.6731% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,032 |
| Loan loss allowance to noncurrent loans | 254.8831% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 5,338 |
| Noncurrent loans to loans | 0.4581% | 5,046 |
| Net loans and leases to total assets | 77.1503% | 855 |
| Net loans and leases to deposits | 89.9204% | 1,176 |
| Net loans and leases to core deposits | 97.1713% | 1,300 |
| Total domestic deposits to total assets | 85.7985% | 3,356 |
| Equity capital to assets | 9.9414% | 3,984 |
| Core capital (leverage) ratio | 9.9301% | 3,772 |
| Tier 1 risk-based capital ratio | 14.0040% | 4,430 |
| Total risk-based capital ratio | 15.2259% | 4,397 |
| Memoranda: | ||
| Average total assets | $396,503,750 | 1,671 |
| Average earning assets | $371,473,250 | 1,636 |
| Average equity | $40,053,750 | 1,753 |
| Average total loans | $303,977,500 | 1,393 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 3,805 |
| Cost of funding earning assets | 0.7375% | 1,790 |
| Net interest margin | 3.3452% | 4,399 |
| Noninterest income to average assets | 0.6847% | 2,719 |
| Noninterest expense to average assets | 3.0909% | 2,688 |
| Loan and lease loss provision to assets | 0.0656% | 3,715 |
| Net operating income to assets | 0.5128% | 4,752 |
| Return on assets (ROA) | 0.5494% | 4,723 |
| Pretax return on assets | 0.6964% | 4,692 |
| Return on Equity (ROE) | 5.4092% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.4092% | 2,804 |
| Net charge-offs to loans | -0.0614% | 6,336 |
| Credit loss provision to net charge-offs | -140.2174% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1974% | 2,003 |
| Assets per employee ($millions) | 4.6368% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,979 |
| Loan loss allowance to noncurrent loans | 279.1480% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 5,474 |
| Noncurrent loans to loans | 0.4307% | 5,185 |
| Net loans and leases to total assets | 76.9710% | 868 |
| Net loans and leases to deposits | 90.1305% | 1,129 |
| Net loans and leases to core deposits | 97.6350% | 1,242 |
| Total domestic deposits to total assets | 85.3995% | 3,696 |
| Equity capital to assets | 10.0023% | 3,915 |
| Core capital (leverage) ratio | 9.9451% | 3,593 |
| Tier 1 risk-based capital ratio | 13.9063% | 4,485 |
| Total risk-based capital ratio | 15.1570% | 4,456 |
| Memoranda: | ||
| Average total assets | $393,151,000 | 1,685 |
| Average earning assets | $366,913,000 | 1,648 |
| Average equity | $39,932,330 | 1,762 |
| Average total loans | $299,513,330 | 1,413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 4,200 |
| Cost of funding earning assets | 0.7415% | 1,911 |
| Net interest margin | 3.2379% | 4,766 |
| Noninterest income to average assets | 0.8106% | 2,086 |
| Noninterest expense to average assets | 3.0722% | 2,764 |
| Loan and lease loss provision to assets | 0.1117% | 2,838 |
| Net operating income to assets | 0.5031% | 4,642 |
| Return on assets (ROA) | 0.5031% | 4,792 |
| Pretax return on assets | 0.6292% | 4,843 |
| Return on Equity (ROE) | 4.9155% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.9155% | 3,287 |
| Net charge-offs to loans | -0.1252% | 6,529 |
| Credit loss provision to net charge-offs | -118.4783% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5697% | 2,241 |
| Assets per employee ($millions) | 4.7170% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 4,999 |
| Loan loss allowance to noncurrent loans | 117.7123% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9705% | 3,990 |
| Noncurrent loans to loans | 1.0526% | 4,034 |
| Net loans and leases to total assets | 73.8567% | 1,100 |
| Net loans and leases to deposits | 87.0060% | 1,248 |
| Net loans and leases to core deposits | 94.3819% | 1,319 |
| Total domestic deposits to total assets | 84.8869% | 4,095 |
| Equity capital to assets | 10.0091% | 4,142 |
| Core capital (leverage) ratio | 9.9857% | 3,406 |
| Tier 1 risk-based capital ratio | 13.8474% | 4,616 |
| Total risk-based capital ratio | 15.0991% | 4,579 |
| Memoranda: | ||
| Average total assets | $390,343,000 | 1,712 |
| Average earning assets | $361,968,500 | 1,689 |
| Average equity | $39,955,500 | 1,779 |
| Average total loans | $293,935,000 | 1,441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 4,159 |
| Cost of funding earning assets | 0.8051% | 2,625 |
| Net interest margin | 3.5035% | 4,488 |
| Noninterest income to average assets | 0.8500% | 2,044 |
| Noninterest expense to average assets | 3.4735% | 1,888 |
| Loan and lease loss provision to assets | 0.2372% | 2,760 |
| Net operating income to assets | 0.3175% | 5,407 |
| Return on assets (ROA) | 0.3267% | 5,588 |
| Pretax return on assets | 0.4039% | 5,567 |
| Return on Equity (ROE) | 3.0684% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.0684% | 4,076 |
| Net charge-offs to loans | 0.1014% | 4,653 |
| Credit loss provision to net charge-offs | 323.9852% | 755 |
| Earnings coverage of net charge-offs (x) | 8.6015% | 2,382 |
| Efficiency ratio | 84.6513% | 1,552 |
| Assets per employee ($millions) | 4.5207% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,022 |
| Loan loss allowance to noncurrent loans | 111.0971% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 3,817 |
| Noncurrent loans to loans | 1.0981% | 4,011 |
| Net loans and leases to total assets | 74.9238% | 1,063 |
| Net loans and leases to deposits | 89.2941% | 1,135 |
| Net loans and leases to core deposits | 96.0178% | 1,300 |
| Total domestic deposits to total assets | 83.9067% | 4,359 |
| Equity capital to assets | 10.4755% | 3,552 |
| Core capital (leverage) ratio | 10.2362% | 3,088 |
| Tier 1 risk-based capital ratio | 14.4573% | 4,062 |
| Total risk-based capital ratio | 15.7085% | 4,015 |
| Memoranda: | ||
| Average total assets | $370,112,200 | 1,760 |
| Average earning assets | $343,681,200 | 1,734 |
| Average equity | $39,402,000 | 1,766 |
| Average total loans | $267,256,200 | 1,551 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 4,383 |
| Cost of funding earning assets | 0.8303% | 2,703 |
| Net interest margin | 3.4875% | 4,692 |
| Noninterest income to average assets | 0.7731% | 2,363 |
| Noninterest expense to average assets | 3.2772% | 2,335 |
| Loan and lease loss provision to assets | 0.2248% | 2,811 |
| Net operating income to assets | 0.4197% | 5,165 |
| Return on assets (ROA) | 0.4322% | 5,346 |
| Pretax return on assets | 0.5272% | 5,387 |
| Return on Equity (ROE) | 4.0432% | 5,273 |
| Retained earnings to average equity (ytd only) | 4.0432% | 4,043 |
| Net charge-offs to loans | 0.1394% | 3,999 |
| Credit loss provision to net charge-offs | 226.2774% | 1,221 |
| Earnings coverage of net charge-offs (x) | 7.4162% | 2,607 |
| Efficiency ratio | 81.6441% | 1,846 |
| Assets per employee ($millions) | 4.2268% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,357 |
| Loan loss allowance to noncurrent loans | 202.9320% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 4,903 |
| Noncurrent loans to loans | 0.5830% | 5,273 |
| Net loans and leases to total assets | 73.0454% | 1,383 |
| Net loans and leases to deposits | 85.5926% | 1,652 |
| Net loans and leases to core deposits | 91.9652% | 1,784 |
| Total domestic deposits to total assets | 85.3407% | 3,594 |
| Equity capital to assets | 10.7823% | 3,525 |
| Core capital (leverage) ratio | 10.3279% | 3,130 |
| Tier 1 risk-based capital ratio | 15.0321% | 3,830 |
| Total risk-based capital ratio | 16.2490% | 3,802 |
| Memoranda: | ||
| Average total assets | $367,704,750 | 1,791 |
| Average earning assets | $341,705,500 | 1,763 |
| Average equity | $39,307,500 | 1,784 |
| Average total loans | $262,062,500 | 1,591 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 4,531 |
| Cost of funding earning assets | 0.8459% | 2,829 |
| Net interest margin | 3.4642% | 4,824 |
| Noninterest income to average assets | 0.6552% | 2,929 |
| Noninterest expense to average assets | 3.1920% | 2,617 |
| Loan and lease loss provision to assets | 0.2408% | 2,655 |
| Net operating income to assets | 0.3623% | 5,370 |
| Return on assets (ROA) | 0.3811% | 5,526 |
| Pretax return on assets | 0.4652% | 5,527 |
| Return on Equity (ROE) | 3.5757% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.5757% | 4,215 |
| Net charge-offs to loans | 0.0054% | 5,422 |
| Credit loss provision to net charge-offs | 6,300.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 178.7143% | 257 |
| Efficiency ratio | 82.3728% | 1,832 |
| Assets per employee ($millions) | 4.3782% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 5,180 |
| Loan loss allowance to noncurrent loans | 66.9271% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4360% | 3,558 |
| Noncurrent loans to loans | 1.8463% | 3,154 |
| Net loans and leases to total assets | 71.7544% | 1,596 |
| Net loans and leases to deposits | 84.1292% | 1,835 |
| Net loans and leases to core deposits | 90.2187% | 1,961 |
| Total domestic deposits to total assets | 85.2907% | 3,713 |
| Equity capital to assets | 10.5902% | 3,578 |
| Core capital (leverage) ratio | 10.4073% | 2,913 |
| Tier 1 risk-based capital ratio | 15.0822% | 3,718 |
| Total risk-based capital ratio | 16.2993% | 3,697 |
| Memoranda: | ||
| Average total assets | $366,285,670 | 1,799 |
| Average earning assets | $340,458,000 | 1,768 |
| Average equity | $39,041,330 | 1,780 |
| Average total loans | $257,765,330 | 1,613 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 4,483 |
| Cost of funding earning assets | 0.8724% | 2,892 |
| Net interest margin | 3.4861% | 4,771 |
| Noninterest income to average assets | 0.5890% | 3,303 |
| Noninterest expense to average assets | 3.1143% | 2,873 |
| Loan and lease loss provision to assets | 0.2246% | 2,701 |
| Net operating income to assets | 0.4040% | 5,237 |
| Return on assets (ROA) | 0.4040% | 5,422 |
| Pretax return on assets | 0.4921% | 5,456 |
| Return on Equity (ROE) | 3.7780% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.7780% | 4,320 |
| Net charge-offs to loans | 0.0048% | 4,687 |
| Credit loss provision to net charge-offs | 6,800.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 166 |
| Efficiency ratio | 81.2931% | 2,044 |
| Assets per employee ($millions) | 4.3874% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 5,493 |
| Loan loss allowance to noncurrent loans | 66.1417% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 3,786 |
| Noncurrent loans to loans | 1.8127% | 3,390 |
| Net loans and leases to total assets | 69.4959% | 1,838 |
| Net loans and leases to deposits | 81.2427% | 2,029 |
| Net loans and leases to core deposits | 87.0961% | 2,168 |
| Total domestic deposits to total assets | 85.5411% | 3,771 |
| Equity capital to assets | 10.5855% | 3,391 |
| Core capital (leverage) ratio | 10.4748% | 2,778 |
| Tier 1 risk-based capital ratio | 15.5245% | 3,433 |
| Total risk-based capital ratio | 16.7749% | 3,407 |
| Memoranda: | ||
| Average total assets | $363,355,500 | 1,818 |
| Average earning assets | $337,915,500 | 1,788 |
| Average equity | $38,856,500 | 1,788 |
| Average total loans | $251,462,000 | 1,651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 4,640 |
| Cost of funding earning assets | 1.0353% | 3,120 |
| Net interest margin | 3.5747% | 4,829 |
| Noninterest income to average assets | 0.4918% | 3,906 |
| Noninterest expense to average assets | 3.2855% | 2,570 |
| Loan and lease loss provision to assets | 0.1591% | 4,637 |
| Net operating income to assets | 0.3086% | 5,223 |
| Return on assets (ROA) | 0.3139% | 5,361 |
| Pretax return on assets | 0.3658% | 5,386 |
| Return on Equity (ROE) | 2.8765% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.8765% | 4,206 |
| Net charge-offs to loans | 0.1289% | 5,109 |
| Credit loss provision to net charge-offs | 178.2468% | 1,472 |
| Earnings coverage of net charge-offs (x) | 5.8117% | 2,674 |
| Efficiency ratio | 86.3629% | 1,511 |
| Assets per employee ($millions) | 4.3679% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 5,425 |
| Loan loss allowance to noncurrent loans | 59.9629% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 3,754 |
| Noncurrent loans to loans | 1.9894% | 3,221 |
| Net loans and leases to total assets | 67.2273% | 2,531 |
| Net loans and leases to deposits | 79.3488% | 2,631 |
| Net loans and leases to core deposits | 85.0817% | 2,741 |
| Total domestic deposits to total assets | 84.7237% | 3,992 |
| Equity capital to assets | 10.8052% | 3,189 |
| Core capital (leverage) ratio | 10.5182% | 2,704 |
| Tier 1 risk-based capital ratio | 16.0346% | 3,025 |
| Total risk-based capital ratio | 17.2848% | 2,981 |
| Memoranda: | ||
| Average total assets | $345,033,400 | 1,879 |
| Average earning assets | $319,723,000 | 1,841 |
| Average equity | $37,650,400 | 1,784 |
| Average total loans | $238,962,000 | 1,752 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 4,617 |
| Cost of funding earning assets | 1.0661% | 3,203 |
| Net interest margin | 3.5973% | 4,781 |
| Noninterest income to average assets | 0.4572% | 4,240 |
| Noninterest expense to average assets | 3.2819% | 2,552 |
| Loan and lease loss provision to assets | 0.1533% | 4,545 |
| Net operating income to assets | 0.2829% | 5,458 |
| Return on assets (ROA) | 0.2895% | 5,604 |
| Pretax return on assets | 0.3620% | 5,571 |
| Return on Equity (ROE) | 2.6461% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.6461% | 4,775 |
| Net charge-offs to loans | 0.0308% | 5,713 |
| Credit loss provision to net charge-offs | 714.5455% | 376 |
| Earnings coverage of net charge-offs (x) | 23.6368% | 1,107 |
| Efficiency ratio | 86.6145% | 1,471 |
| Assets per employee ($millions) | 4.4704% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,262 |
| Loan loss allowance to noncurrent loans | 61.2561% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.5653% | 3,748 |
| Noncurrent loans to loans | 2.0355% | 3,321 |
| Net loans and leases to total assets | 67.3692% | 2,599 |
| Net loans and leases to deposits | 79.6086% | 2,701 |
| Net loans and leases to core deposits | 85.1784% | 2,885 |
| Total domestic deposits to total assets | 84.6255% | 3,953 |
| Equity capital to assets | 10.8480% | 3,291 |
| Core capital (leverage) ratio | 10.5692% | 2,793 |
| Tier 1 risk-based capital ratio | 16.0016% | 3,119 |
| Total risk-based capital ratio | 17.2522% | 3,077 |
| Memoranda: | ||
| Average total assets | $341,749,250 | 1,903 |
| Average earning assets | $316,527,250 | 1,872 |
| Average equity | $37,387,750 | 1,805 |
| Average total loans | $237,778,750 | 1,774 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 4,433 |
| Cost of funding earning assets | 1.0995% | 3,244 |
| Net interest margin | 3.6235% | 4,634 |
| Noninterest income to average assets | 0.4681% | 4,131 |
| Noninterest expense to average assets | 3.3355% | 2,446 |
| Loan and lease loss provision to assets | 0.1894% | 4,028 |
| Net operating income to assets | 0.2368% | 5,607 |
| Return on assets (ROA) | 0.2468% | 5,696 |
| Pretax return on assets | 0.3083% | 5,652 |
| Return on Equity (ROE) | 2.2492% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.2492% | 4,861 |
| Net charge-offs to loans | -0.0059% | 6,607 |
| Credit loss provision to net charge-offs | -4,571.4286% | 6,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2986% | 1,480 |
| Assets per employee ($millions) | 4.2248% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 5,362 |
| Loan loss allowance to noncurrent loans | 55.8917% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.7201% | 3,618 |
| Noncurrent loans to loans | 2.2183% | 3,207 |
| Net loans and leases to total assets | 68.8190% | 2,452 |
| Net loans and leases to deposits | 82.0085% | 2,455 |
| Net loans and leases to core deposits | 87.7611% | 2,672 |
| Total domestic deposits to total assets | 83.9169% | 4,387 |
| Equity capital to assets | 10.8890% | 3,079 |
| Core capital (leverage) ratio | 10.7486% | 2,472 |
| Tier 1 risk-based capital ratio | 15.9347% | 3,009 |
| Total risk-based capital ratio | 17.1856% | 2,979 |
| Memoranda: | ||
| Average total assets | $337,944,670 | 1,928 |
| Average earning assets | $312,677,670 | 1,903 |
| Average equity | $37,080,000 | 1,805 |
| Average total loans | $236,729,330 | 1,802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 4,168 |
| Cost of funding earning assets | 1.1092% | 3,466 |
| Net interest margin | 3.6672% | 4,259 |
| Noninterest income to average assets | 0.5094% | 3,804 |
| Noninterest expense to average assets | 3.3467% | 2,415 |
| Loan and lease loss provision to assets | 0.1966% | 3,663 |
| Net operating income to assets | 0.2865% | 5,476 |
| Return on assets (ROA) | 0.2865% | 5,546 |
| Pretax return on assets | 0.3584% | 5,476 |
| Return on Equity (ROE) | 2.6008% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.6008% | 4,605 |
| Net charge-offs to loans | -0.0034% | 6,209 |
| Credit loss provision to net charge-offs | -8,200.0000% | 6,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7757% | 1,734 |
| Assets per employee ($millions) | 4.0195% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,626 |
| Loan loss allowance to noncurrent loans | 79.7297% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,492 |
| Noncurrent loans to loans | 1.5068% | 4,215 |
| Net loans and leases to total assets | 68.9794% | 2,327 |
| Net loans and leases to deposits | 83.0937% | 2,173 |
| Net loans and leases to core deposits | 89.0386% | 2,479 |
| Total domestic deposits to total assets | 83.0140% | 4,923 |
| Equity capital to assets | 10.9920% | 2,694 |
| Core capital (leverage) ratio | 10.9545% | 2,230 |
| Tier 1 risk-based capital ratio | 16.1425% | 2,837 |
| Total risk-based capital ratio | 17.3926% | 2,805 |
| Memoranda: | ||
| Average total assets | $333,701,000 | 1,967 |
| Average earning assets | $308,681,000 | 1,929 |
| Average equity | $36,758,500 | 1,810 |
| Average total loans | $234,392,000 | 1,838 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 5,425 |
| Cost of funding earning assets | 1.1787% | 4,684 |
| Net interest margin | 3.6168% | 4,732 |
| Noninterest income to average assets | 0.5776% | 3,597 |
| Noninterest expense to average assets | 3.2978% | 2,745 |
| Loan and lease loss provision to assets | 0.2432% | 4,858 |
| Net operating income to assets | 0.3135% | 4,888 |
| Return on assets (ROA) | 0.3135% | 5,059 |
| Pretax return on assets | 0.3818% | 5,001 |
| Return on Equity (ROE) | 2.7957% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.7957% | 3,898 |
| Net charge-offs to loans | 0.3166% | 4,435 |
| Credit loss provision to net charge-offs | 115.5786% | 3,738 |
| Earnings coverage of net charge-offs (x) | 2.9703% | 3,587 |
| Efficiency ratio | 84.0669% | 1,913 |
| Assets per employee ($millions) | 3.9731% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 5,765 |
| Loan loss allowance to noncurrent loans | 45.7682% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.8610% | 3,541 |
| Noncurrent loans to loans | 2.4994% | 3,026 |
| Net loans and leases to total assets | 69.8637% | 2,565 |
| Net loans and leases to deposits | 84.3861% | 2,392 |
| Net loans and leases to core deposits | 90.2300% | 2,736 |
| Total domestic deposits to total assets | 82.7905% | 4,885 |
| Equity capital to assets | 11.0394% | 2,653 |
| Core capital (leverage) ratio | 11.0638% | 2,112 |
| Tier 1 risk-based capital ratio | 16.3429% | 2,600 |
| Total risk-based capital ratio | 17.5531% | 2,570 |
| Memoranda: | ||
| Average total assets | $320,299,800 | 2,037 |
| Average earning assets | $296,254,400 | 2,008 |
| Average equity | $35,912,400 | 1,840 |
| Average total loans | $212,909,600 | 2,038 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 5,488 |
| Cost of funding earning assets | 1.1835% | 4,960 |
| Net interest margin | 3.6617% | 4,585 |
| Noninterest income to average assets | 0.5141% | 4,071 |
| Noninterest expense to average assets | 3.2996% | 2,573 |
| Loan and lease loss provision to assets | 0.0876% | 6,172 |
| Net operating income to assets | 0.3950% | 4,772 |
| Return on assets (ROA) | 0.3950% | 4,952 |
| Pretax return on assets | 0.5133% | 4,880 |
| Return on Equity (ROE) | 3.5093% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.5093% | 3,984 |
| Net charge-offs to loans | 0.4323% | 3,566 |
| Credit loss provision to net charge-offs | 31.0089% | 6,141 |
| Earnings coverage of net charge-offs (x) | 2.1261% | 4,131 |
| Efficiency ratio | 84.5931% | 1,773 |
| Assets per employee ($millions) | 3.9738% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,396 |
| Loan loss allowance to noncurrent loans | 81.6199% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 5,311 |
| Noncurrent loans to loans | 1.2251% | 4,800 |
| Net loans and leases to total assets | 64.4731% | 4,024 |
| Net loans and leases to deposits | 77.2355% | 3,970 |
| Net loans and leases to core deposits | 82.4709% | 4,172 |
| Total domestic deposits to total assets | 83.4760% | 4,388 |
| Equity capital to assets | 11.3124% | 2,694 |
| Core capital (leverage) ratio | 11.1663% | 2,145 |
| Tier 1 risk-based capital ratio | 18.2252% | 1,957 |
| Total risk-based capital ratio | 19.2880% | 1,976 |
| Memoranda: | ||
| Average total assets | $317,933,500 | 2,077 |
| Average earning assets | $294,030,250 | 2,051 |
| Average equity | $35,789,500 | 1,868 |
| Average total loans | $207,874,000 | 2,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 5,618 |
| Cost of funding earning assets | 1.1803% | 5,234 |
| Net interest margin | 3.6666% | 4,516 |
| Noninterest income to average assets | 0.4636% | 4,408 |
| Noninterest expense to average assets | 3.2999% | 2,560 |
| Loan and lease loss provision to assets | 0.0878% | 6,047 |
| Net operating income to assets | 0.3525% | 4,963 |
| Return on assets (ROA) | 0.3525% | 5,125 |
| Pretax return on assets | 0.4687% | 5,008 |
| Return on Equity (ROE) | 3.1364% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.1364% | 4,116 |
| Net charge-offs to loans | 0.6503% | 2,595 |
| Credit loss provision to net charge-offs | 20.6231% | 5,846 |
| Earnings coverage of net charge-offs (x) | 1.3071% | 4,521 |
| Efficiency ratio | 85.5692% | 1,763 |
| Assets per employee ($millions) | 3.9200% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 6,496 |
| Loan loss allowance to noncurrent loans | 84.9832% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 5,441 |
| Noncurrent loans to loans | 1.1502% | 5,038 |
| Net loans and leases to total assets | 63.8529% | 4,295 |
| Net loans and leases to deposits | 76.6577% | 4,211 |
| Net loans and leases to core deposits | 81.9514% | 4,424 |
| Total domestic deposits to total assets | 83.2961% | 4,439 |
| Equity capital to assets | 11.2080% | 2,684 |
| Core capital (leverage) ratio | 11.3256% | 2,023 |
| Tier 1 risk-based capital ratio | 17.9252% | 1,977 |
| Total risk-based capital ratio | 18.9467% | 2,007 |
| Memoranda: | ||
| Average total assets | $316,619,000 | 2,103 |
| Average earning assets | $292,971,000 | 2,073 |
| Average equity | $35,582,000 | 1,878 |
| Average total loans | $207,292,000 | 2,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 5,519 |
| Cost of funding earning assets | 1.2328% | 5,218 |
| Net interest margin | 3.6557% | 4,457 |
| Noninterest income to average assets | 0.4710% | 4,290 |
| Noninterest expense to average assets | 3.0731% | 3,378 |
| Loan and lease loss provision to assets | 0.2241% | 4,252 |
| Net operating income to assets | 0.4086% | 4,799 |
| Return on assets (ROA) | 0.4086% | 4,948 |
| Pretax return on assets | 0.5601% | 4,750 |
| Return on Equity (ROE) | 3.6313% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.6313% | 3,976 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6700% | 2,620 |
| Assets per employee ($millions) | 4.0018% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,826 |
| Loan loss allowance to noncurrent loans | 60.7412% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 4,341 |
| Noncurrent loans to loans | 2.1728% | 3,567 |
| Net loans and leases to total assets | 65.5603% | 3,968 |
| Net loans and leases to deposits | 78.7169% | 3,902 |
| Net loans and leases to core deposits | 83.6609% | 4,253 |
| Total domestic deposits to total assets | 83.2862% | 4,482 |
| Equity capital to assets | 11.3893% | 2,438 |
| Core capital (leverage) ratio | 11.2487% | 2,057 |
| Tier 1 risk-based capital ratio | 17.9951% | 1,943 |
| Total risk-based capital ratio | 19.2468% | 1,915 |
| Memoranda: | ||
| Average total assets | $314,209,000 | 2,166 |
| Average earning assets | $291,052,000 | 2,138 |
| Average equity | $35,359,500 | 1,905 |
| Average total loans | $207,301,000 | 2,201 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 5,914 |
| Cost of funding earning assets | 1.8348% | 3,811 |
| Net interest margin | 3.3069% | 5,714 |
| Noninterest income to average assets | 0.6207% | 3,482 |
| Noninterest expense to average assets | 2.8029% | 4,964 |
| Loan and lease loss provision to assets | 0.3029% | 5,014 |
| Net operating income to assets | 0.4672% | 3,868 |
| Return on assets (ROA) | 0.4672% | 3,984 |
| Pretax return on assets | 0.5903% | 3,925 |
| Return on Equity (ROE) | 4.2951% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.2951% | 2,218 |
| Net charge-offs to loans | 0.1455% | 5,787 |
| Credit loss provision to net charge-offs | 302.8481% | 1,092 |
| Earnings coverage of net charge-offs (x) | 8.9304% | 1,865 |
| Efficiency ratio | 75.8328% | 3,555 |
| Assets per employee ($millions) | 4.2170% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 5,136 |
| Loan loss allowance to noncurrent loans | 118.5648% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 5,743 |
| Noncurrent loans to loans | 1.0424% | 5,234 |
| Net loans and leases to total assets | 64.7101% | 4,439 |
| Net loans and leases to deposits | 77.2759% | 4,509 |
| Net loans and leases to core deposits | 96.9723% | 4,353 |
| Total domestic deposits to total assets | 83.7392% | 4,160 |
| Equity capital to assets | 11.1194% | 2,608 |
| Core capital (leverage) ratio | 10.9757% | 2,239 |
| Tier 1 risk-based capital ratio | 17.4808% | 2,032 |
| Total risk-based capital ratio | 18.7069% | 1,993 |
| Memoranda: | ||
| Average total assets | $315,920,200 | 2,127 |
| Average earning assets | $293,811,800 | 2,107 |
| Average equity | $34,364,800 | 1,959 |
| Average total loans | $217,215,800 | 2,127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 6,026 |
| Cost of funding earning assets | 1.9664% | 3,538 |
| Net interest margin | 3.2007% | 6,021 |
| Noninterest income to average assets | 0.6645% | 3,256 |
| Noninterest expense to average assets | 2.7850% | 4,951 |
| Loan and lease loss provision to assets | 0.3242% | 4,390 |
| Net operating income to assets | 0.4112% | 4,357 |
| Return on assets (ROA) | 0.4112% | 4,455 |
| Pretax return on assets | 0.5340% | 4,415 |
| Return on Equity (ROE) | 3.8012% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.8012% | 3,163 |
| Net charge-offs to loans | 0.1481% | 5,223 |
| Credit loss provision to net charge-offs | 314.7541% | 1,309 |
| Earnings coverage of net charge-offs (x) | 8.3318% | 2,267 |
| Efficiency ratio | 76.4426% | 3,427 |
| Assets per employee ($millions) | 4.2660% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,582 |
| Loan loss allowance to noncurrent loans | 139.4181% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,767 |
| Noncurrent loans to loans | 0.8052% | 5,692 |
| Net loans and leases to total assets | 67.2831% | 4,122 |
| Net loans and leases to deposits | 80.1145% | 4,361 |
| Net loans and leases to core deposits | 103.3878% | 4,012 |
| Total domestic deposits to total assets | 83.9836% | 3,732 |
| Equity capital to assets | 10.8530% | 3,160 |
| Core capital (leverage) ratio | 10.7328% | 2,616 |
| Tier 1 risk-based capital ratio | 16.6564% | 2,372 |
| Total risk-based capital ratio | 17.8369% | 2,352 |
| Memoranda: | ||
| Average total assets | $315,831,500 | 2,142 |
| Average earning assets | $293,930,750 | 2,121 |
| Average equity | $34,164,000 | 1,989 |
| Average total loans | $219,714,000 | 2,127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 6,132 |
| Cost of funding earning assets | 2.1046% | 3,242 |
| Net interest margin | 3.0810% | 6,305 |
| Noninterest income to average assets | 0.7836% | 2,491 |
| Noninterest expense to average assets | 2.6617% | 5,513 |
| Loan and lease loss provision to assets | 0.4166% | 3,452 |
| Net operating income to assets | 0.4554% | 4,271 |
| Return on assets (ROA) | 0.4554% | 4,384 |
| Pretax return on assets | 0.5711% | 4,404 |
| Return on Equity (ROE) | 4.2146% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.2146% | 2,959 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9348% | 4,215 |
| Assets per employee ($millions) | 4.4938% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,487 |
| Loan loss allowance to noncurrent loans | 69.8400% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 4,473 |
| Noncurrent loans to loans | 1.5978% | 4,100 |
| Net loans and leases to total assets | 70.5207% | 3,576 |
| Net loans and leases to deposits | 83.8884% | 3,899 |
| Net loans and leases to core deposits | 106.1191% | 3,830 |
| Total domestic deposits to total assets | 84.0649% | 3,730 |
| Equity capital to assets | 10.6053% | 3,293 |
| Core capital (leverage) ratio | 10.7884% | 2,575 |
| Tier 1 risk-based capital ratio | 16.2947% | 2,520 |
| Total risk-based capital ratio | 17.4756% | 2,489 |
| Memoranda: | ||
| Average total assets | $314,459,330 | 2,174 |
| Average earning assets | $292,505,000 | 2,152 |
| Average equity | $33,977,330 | 1,998 |
| Average total loans | $220,380,330 | 2,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 5,647 |
| Cost of funding earning assets | 2.2333% | 3,001 |
| Net interest margin | 3.1186% | 6,144 |
| Noninterest income to average assets | 0.6660% | 3,103 |
| Noninterest expense to average assets | 2.6175% | 5,378 |
| Loan and lease loss provision to assets | 0.2581% | 3,903 |
| Net operating income to assets | 0.5653% | 4,161 |
| Return on assets (ROA) | 0.5653% | 4,351 |
| Pretax return on assets | 0.6866% | 4,477 |
| Return on Equity (ROE) | 5.1821% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.1821% | 3,022 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4783% | 3,919 |
| Assets per employee ($millions) | 4.5837% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,311 |
| Loan loss allowance to noncurrent loans | 3,719.2982% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 7,241 |
| Noncurrent loans to loans | 0.0263% | 7,479 |
| Net loans and leases to total assets | 67.7824% | 4,187 |
| Net loans and leases to deposits | 79.8977% | 4,632 |
| Net loans and leases to core deposits | 104.5578% | 4,073 |
| Total domestic deposits to total assets | 84.8364% | 3,281 |
| Equity capital to assets | 10.7788% | 3,206 |
| Core capital (leverage) ratio | 10.9937% | 2,501 |
| Tier 1 risk-based capital ratio | 16.4656% | 2,528 |
| Total risk-based capital ratio | 17.4925% | 2,542 |
| Memoranda: | ||
| Average total assets | $309,911,000 | 2,216 |
| Average earning assets | $287,821,500 | 2,194 |
| Average equity | $33,809,000 | 2,012 |
| Average total loans | $215,196,000 | 2,217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 7,251 |
| Cost of funding earning assets | 2.5005% | 4,204 |
| Net interest margin | 3.0194% | 6,856 |
| Noninterest income to average assets | 0.4276% | 5,233 |
| Noninterest expense to average assets | 2.5504% | 5,827 |
| Loan and lease loss provision to assets | 0.1713% | 5,192 |
| Net operating income to assets | 0.4155% | 5,091 |
| Return on assets (ROA) | 0.4155% | 4,905 |
| Pretax return on assets | 0.4931% | 4,994 |
| Return on Equity (ROE) | 3.7733% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.7733% | 2,783 |
| Net charge-offs to loans | 0.0197% | 6,584 |
| Credit loss provision to net charge-offs | 1,307.6923% | 344 |
| Earnings coverage of net charge-offs (x) | 50.7179% | 754 |
| Efficiency ratio | 79.3334% | 2,703 |
| Assets per employee ($millions) | 4.3992% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 7,170 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.8322% | 4,054 |
| Net loans and leases to deposits | 82.7453% | 4,615 |
| Net loans and leases to core deposits | 108.2152% | 3,944 |
| Total domestic deposits to total assets | 84.3941% | 3,130 |
| Equity capital to assets | 11.0451% | 3,010 |
| Core capital (leverage) ratio | 11.2986% | 2,371 |
| Tier 1 risk-based capital ratio | 15.8340% | 2,733 |
| Total risk-based capital ratio | 16.7399% | 2,784 |
| Memoranda: | ||
| Average total assets | $297,716,800 | 2,214 |
| Average earning assets | $274,823,600 | 2,200 |
| Average equity | $32,783,200 | 2,068 |
| Average total loans | $198,273,200 | 2,315 |