Home > Mechanics Cooperative Bank > Performance and Condition Ratios
Mechanics Cooperative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 976 |
| Cost of funding earning assets | 1.4344% | 2,134 |
| Net interest margin | 4.2232% | 902 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.5394% | 2,193 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2073% | 1,635 |
| Return on assets (ROA) | 1.2073% | 1,606 |
| Pretax return on assets | 1.6167% | 1,207 |
| Return on Equity (ROE) | 9.7300% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.7289% | 1,084 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.5398% | 3,017 |
| Assets per employee ($millions) | 7.4558% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 4,089 |
| Loan loss allowance to noncurrent loans | 2,455.6818% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,543 |
| Noncurrent loans to loans | 0.0295% | 3,527 |
| Net loans and leases to total assets | 81.9700% | 435 |
| Net loans and leases to deposits | 108.5498% | 229 |
| Net loans and leases to core deposits | 126.5127% | 472 |
| Total domestic deposits to total assets | 75.5200% | 3,986 |
| Equity capital to assets | 12.2900% | 1,039 |
| Core capital (leverage) ratio | 13.3441% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7076% | 820 |
| Memoranda: | ||
| Average total assets | $675,744,200 | 1,342 |
| Average earning assets | $626,681,400 | 1,332 |
| Average equity | $83,853,600 | 1,092 |
| Average total loans | $551,949,600 | 1,149 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 969 |
| Cost of funding earning assets | 1.2763% | 2,209 |
| Net interest margin | 4.2625% | 848 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.5209% | 2,160 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2251% | 1,716 |
| Return on assets (ROA) | 1.2251% | 1,715 |
| Pretax return on assets | 1.6479% | 1,266 |
| Return on Equity (ROE) | 9.8500% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.8469% | 1,447 |
| Net charge-offs to loans | -0.0002% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.6153% | 3,010 |
| Assets per employee ($millions) | 7.1999% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,044 |
| Loan loss allowance to noncurrent loans | 100.6946% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 932 |
| Noncurrent loans to loans | 0.7598% | 1,093 |
| Net loans and leases to total assets | 81.6100% | 469 |
| Net loans and leases to deposits | 103.0734% | 386 |
| Net loans and leases to core deposits | 118.9640% | 579 |
| Total domestic deposits to total assets | 79.1800% | 3,659 |
| Equity capital to assets | 12.2214% | 986 |
| Core capital (leverage) ratio | 13.6270% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7833% | 848 |
| Memoranda: | ||
| Average total assets | $663,876,750 | 1,362 |
| Average earning assets | $614,989,750 | 1,346 |
| Average equity | $82,596,250 | 1,102 |
| Average total loans | $540,647,500 | 1,164 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 867 |
| Cost of funding earning assets | 1.1383% | 2,171 |
| Net interest margin | 4.3374% | 763 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5160% | 2,157 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2698% | 1,643 |
| Return on assets (ROA) | 1.2698% | 1,635 |
| Pretax return on assets | 1.7087% | 1,192 |
| Return on Equity (ROE) | 10.1400% | 2,665 |
| Retained earnings to average equity (ytd only) | 10.1427% | 1,367 |
| Net charge-offs to loans | -0.0004% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.4931% | 3,134 |
| Assets per employee ($millions) | 7.0120% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 3,984 |
| Loan loss allowance to noncurrent loans | 100.6010% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 820 |
| Noncurrent loans to loans | 0.8098% | 942 |
| Net loans and leases to total assets | 79.5400% | 677 |
| Net loans and leases to deposits | 97.8147% | 619 |
| Net loans and leases to core deposits | 107.9217% | 910 |
| Total domestic deposits to total assets | 81.3200% | 3,372 |
| Equity capital to assets | 12.5904% | 912 |
| Core capital (leverage) ratio | 13.6396% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5627% | 755 |
| Memoranda: | ||
| Average total assets | $654,772,667 | 1,369 |
| Average earning assets | $606,165,333 | 1,367 |
| Average equity | $81,970,667 | 1,101 |
| Average total loans | $531,380,333 | 1,166 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 634 |
| Cost of funding earning assets | 0.9458% | 2,231 |
| Net interest margin | 4.5420% | 549 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5815% | 2,007 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3539% | 1,533 |
| Return on assets (ROA) | 1.3539% | 1,503 |
| Pretax return on assets | 1.8272% | 1,023 |
| Return on Equity (ROE) | 10.8500% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.8466% | 1,505 |
| Net charge-offs to loans | -0.0008% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.0553% | 3,296 |
| Assets per employee ($millions) | 6.9284% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,076 |
| Loan loss allowance to noncurrent loans | 979.9544% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,133 |
| Noncurrent loans to loans | 0.0819% | 3,157 |
| Net loans and leases to total assets | 80.8000% | 471 |
| Net loans and leases to deposits | 103.6516% | 310 |
| Net loans and leases to core deposits | 113.8192% | 584 |
| Total domestic deposits to total assets | 77.9600% | 4,014 |
| Equity capital to assets | 12.5433% | 858 |
| Core capital (leverage) ratio | 13.5760% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2409% | 814 |
| Memoranda: | ||
| Average total assets | $649,088,000 | 1,400 |
| Average earning assets | $604,753,000 | 1,390 |
| Average equity | $81,021,000 | 1,127 |
| Average total loans | $529,963,500 | 1,178 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 496 |
| Cost of funding earning assets | 0.3220% | 2,708 |
| Net interest margin | 4.4028% | 350 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.5645% | 1,926 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3874% | 1,164 |
| Return on assets (ROA) | 1.3874% | 1,112 |
| Pretax return on assets | 1.8791% | 610 |
| Return on Equity (ROE) | 11.5600% | 2,282 |
| Retained earnings to average equity (ytd only) | 11.5628% | 766 |
| Net charge-offs to loans | 0.0002% | 2,616 |
| Credit loss provision to net charge-offs | 26,600.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 12,314.0000% | 7 |
| Efficiency ratio | 57.1776% | 3,445 |
| Assets per employee ($millions) | 6.6664% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,005 |
| Loan loss allowance to noncurrent loans | 3,668.1034% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,668 |
| Noncurrent loans to loans | 0.0221% | 3,641 |
| Net loans and leases to total assets | 81.1800% | 484 |
| Net loans and leases to deposits | 99.3935% | 461 |
| Net loans and leases to core deposits | 108.6135% | 655 |
| Total domestic deposits to total assets | 81.6700% | 3,668 |
| Equity capital to assets | 12.4195% | 823 |
| Core capital (leverage) ratio | 13.2200% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3033% | 794 |
| Memoranda: | ||
| Average total assets | $641,144,400 | 1,406 |
| Average earning assets | $603,112,000 | 1,383 |
| Average equity | $76,928,000 | 1,163 |
| Average total loans | $519,859,000 | 1,143 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 465 |
| Cost of funding earning assets | 0.3040% | 2,120 |
| Net interest margin | 4.2475% | 377 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5324% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3077% | 1,326 |
| Return on assets (ROA) | 1.3077% | 1,291 |
| Pretax return on assets | 1.7689% | 783 |
| Return on Equity (ROE) | 10.9900% | 2,383 |
| Retained earnings to average equity (ytd only) | 10.9947% | 1,058 |
| Net charge-offs to loans | 0.0003% | 2,346 |
| Credit loss provision to net charge-offs | -700.0000% | 4,709 |
| Earnings coverage of net charge-offs (x) | 8,503.0000% | 4 |
| Efficiency ratio | 58.8949% | 3,264 |
| Assets per employee ($millions) | 6.8772% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 4,156 |
| Loan loss allowance to noncurrent loans | 861.9048% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,179 |
| Noncurrent loans to loans | 0.0886% | 3,247 |
| Net loans and leases to total assets | 80.0900% | 523 |
| Net loans and leases to deposits | 94.1821% | 631 |
| Net loans and leases to core deposits | 102.3084% | 730 |
| Total domestic deposits to total assets | 85.0400% | 3,275 |
| Equity capital to assets | 11.7931% | 924 |
| Core capital (leverage) ratio | 12.9152% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6597% | 899 |
| Memoranda: | ||
| Average total assets | $641,436,250 | 1,398 |
| Average earning assets | $604,352,000 | 1,385 |
| Average equity | $76,289,500 | 1,190 |
| Average total loans | $518,880,500 | 1,143 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 470 |
| Cost of funding earning assets | 0.3048% | 1,680 |
| Net interest margin | 4.0571% | 437 |
| Noninterest income to average assets | 0.3004% | 3,358 |
| Noninterest expense to average assets | 2.5219% | 1,857 |
| Loan and lease loss provision to assets | -0.0022% | 4,369 |
| Net operating income to assets | 1.1904% | 1,458 |
| Return on assets (ROA) | 1.1904% | 1,437 |
| Pretax return on assets | 1.6053% | 922 |
| Return on Equity (ROE) | 9.9807% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.9807% | 1,029 |
| Net charge-offs to loans | 0.0008% | 2,126 |
| Credit loss provision to net charge-offs | -350.0000% | 3,308 |
| Earnings coverage of net charge-offs (x) | 2,564.0000% | 35 |
| Efficiency ratio | 61.1368% | 3,164 |
| Assets per employee ($millions) | 6.6160% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 4,246 |
| Loan loss allowance to noncurrent loans | 5,854.4118% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,926 |
| Noncurrent loans to loans | 0.0129% | 3,879 |
| Net loans and leases to total assets | 81.4174% | 318 |
| Net loans and leases to deposits | 97.1451% | 381 |
| Net loans and leases to core deposits | 106.2859% | 442 |
| Total domestic deposits to total assets | 83.8101% | 3,722 |
| Equity capital to assets | 11.8633% | 921 |
| Core capital (leverage) ratio | 12.5697% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1518% | 972 |
| Memoranda: | ||
| Average total assets | $639,763,000 | 1,408 |
| Average earning assets | $603,093,000 | 1,395 |
| Average equity | $76,307,000 | 1,212 |
| Average total loans | $517,928,667 | 1,138 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 482 |
| Cost of funding earning assets | 0.3131% | 1,533 |
| Net interest margin | 3.9380% | 460 |
| Noninterest income to average assets | 0.2843% | 3,428 |
| Noninterest expense to average assets | 2.5330% | 1,802 |
| Loan and lease loss provision to assets | -0.0031% | 4,400 |
| Net operating income to assets | 1.0965% | 1,538 |
| Return on assets (ROA) | 1.0965% | 1,532 |
| Pretax return on assets | 1.4722% | 1,071 |
| Return on Equity (ROE) | 9.1683% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.1683% | 1,224 |
| Net charge-offs to loans | 0.0008% | 1,816 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | 2,346.0000% | 23 |
| Efficiency ratio | 63.2921% | 3,102 |
| Assets per employee ($millions) | 6.8114% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 4,277 |
| Loan loss allowance to noncurrent loans | 4,150.0000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,911 |
| Noncurrent loans to loans | 0.0188% | 3,858 |
| Net loans and leases to total assets | 78.2647% | 360 |
| Net loans and leases to deposits | 91.9368% | 431 |
| Net loans and leases to core deposits | 102.3781% | 437 |
| Total domestic deposits to total assets | 85.1287% | 3,514 |
| Equity capital to assets | 11.6945% | 1,064 |
| Core capital (leverage) ratio | 12.3954% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5322% | 967 |
| Memoranda: | ||
| Average total assets | $638,769,500 | 1,416 |
| Average earning assets | $603,053,500 | 1,404 |
| Average equity | $76,394,000 | 1,239 |
| Average total loans | $513,654,500 | 1,139 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 850 |
| Cost of funding earning assets | 0.4103% | 1,465 |
| Net interest margin | 3.8893% | 860 |
| Noninterest income to average assets | 0.3695% | 3,222 |
| Noninterest expense to average assets | 2.5717% | 1,951 |
| Loan and lease loss provision to assets | 0.0018% | 3,037 |
| Net operating income to assets | 1.1073% | 2,269 |
| Return on assets (ROA) | 1.1073% | 2,329 |
| Pretax return on assets | 1.4953% | 1,746 |
| Return on Equity (ROE) | 10.0163% | 2,510 |
| Retained earnings to average equity (ytd only) | 10.0163% | 917 |
| Net charge-offs to loans | -0.0008% | 3,258 |
| Credit loss provision to net charge-offs | -300.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2055% | 2,682 |
| Assets per employee ($millions) | 6.7070% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 4,314 |
| Loan loss allowance to noncurrent loans | 3,873.7864% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,976 |
| Noncurrent loans to loans | 0.0199% | 3,928 |
| Net loans and leases to total assets | 81.3534% | 207 |
| Net loans and leases to deposits | 95.6419% | 328 |
| Net loans and leases to core deposits | 107.1855% | 346 |
| Total domestic deposits to total assets | 85.0604% | 3,252 |
| Equity capital to assets | 12.2316% | 1,158 |
| Core capital (leverage) ratio | 11.7759% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5197% | 962 |
| Memoranda: | ||
| Average total assets | $660,137,200 | 1,343 |
| Average earning assets | $627,899,600 | 1,326 |
| Average equity | $72,980,800 | 1,304 |
| Average total loans | $532,766,800 | 1,109 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 1,031 |
| Cost of funding earning assets | 0.4266% | 1,505 |
| Net interest margin | 3.8203% | 1,076 |
| Noninterest income to average assets | 0.3819% | 3,198 |
| Noninterest expense to average assets | 2.4219% | 2,366 |
| Loan and lease loss provision to assets | 0.0004% | 2,957 |
| Net operating income to assets | 1.1780% | 2,236 |
| Return on assets (ROA) | 1.1780% | 2,298 |
| Pretax return on assets | 1.5906% | 1,736 |
| Return on Equity (ROE) | 10.9300% | 2,388 |
| Retained earnings to average equity (ytd only) | 10.9300% | 1,078 |
| Net charge-offs to loans | -0.0007% | 3,106 |
| Credit loss provision to net charge-offs | -66.6667% | 3,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3524% | 2,936 |
| Assets per employee ($millions) | 6.9249% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 4,416 |
| Loan loss allowance to noncurrent loans | 2,947.4074% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,058 |
| Noncurrent loans to loans | 0.0256% | 4,011 |
| Net loans and leases to total assets | 78.7738% | 357 |
| Net loans and leases to deposits | 96.4027% | 335 |
| Net loans and leases to core deposits | 108.4538% | 357 |
| Total domestic deposits to total assets | 81.7132% | 3,973 |
| Equity capital to assets | 11.3507% | 1,772 |
| Core capital (leverage) ratio | 11.4640% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2265% | 1,096 |
| Memoranda: | ||
| Average total assets | $667,556,750 | 1,343 |
| Average earning assets | $634,494,250 | 1,327 |
| Average equity | $71,947,250 | 1,337 |
| Average total loans | $536,736,000 | 1,127 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 1,136 |
| Cost of funding earning assets | 0.4522% | 1,504 |
| Net interest margin | 3.7760% | 1,175 |
| Noninterest income to average assets | 0.3833% | 3,200 |
| Noninterest expense to average assets | 2.3100% | 2,738 |
| Loan and lease loss provision to assets | 0.0048% | 2,792 |
| Net operating income to assets | 1.2261% | 2,092 |
| Return on assets (ROA) | 1.2261% | 2,161 |
| Pretax return on assets | 1.6581% | 1,590 |
| Return on Equity (ROE) | 11.5800% | 2,208 |
| Retained earnings to average equity (ytd only) | 11.5800% | 997 |
| Net charge-offs to loans | -0.0004% | 3,030 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1444% | 3,266 |
| Assets per employee ($millions) | 6.8937% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 4,455 |
| Loan loss allowance to noncurrent loans | 2,771.5278% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,129 |
| Noncurrent loans to loans | 0.0270% | 4,079 |
| Net loans and leases to total assets | 78.3944% | 416 |
| Net loans and leases to deposits | 97.5481% | 329 |
| Net loans and leases to core deposits | 109.8130% | 363 |
| Total domestic deposits to total assets | 80.3649% | 4,176 |
| Equity capital to assets | 10.8416% | 2,112 |
| Core capital (leverage) ratio | 11.4389% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7829% | 1,175 |
| Memoranda: | ||
| Average total assets | $668,480,333 | 1,337 |
| Average earning assets | $635,495,000 | 1,323 |
| Average equity | $70,777,000 | 1,347 |
| Average total loans | $539,762,667 | 1,123 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 1,062 |
| Cost of funding earning assets | 0.4900% | 1,453 |
| Net interest margin | 3.7970% | 1,149 |
| Noninterest income to average assets | 0.3976% | 3,105 |
| Noninterest expense to average assets | 2.4574% | 2,307 |
| Loan and lease loss provision to assets | 0.0205% | 2,517 |
| Net operating income to assets | 1.1309% | 2,384 |
| Return on assets (ROA) | 1.1309% | 2,458 |
| Pretax return on assets | 1.5280% | 1,927 |
| Return on Equity (ROE) | 10.8134% | 2,421 |
| Retained earnings to average equity (ytd only) | 10.8134% | 1,445 |
| Net charge-offs to loans | 0.0007% | 1,917 |
| Credit loss provision to net charge-offs | 3,400.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 2,574.0000% | 24 |
| Efficiency ratio | 61.3455% | 2,856 |
| Assets per employee ($millions) | 6.9080% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 4,513 |
| Loan loss allowance to noncurrent loans | 2,671.3333% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,208 |
| Noncurrent loans to loans | 0.0274% | 4,152 |
| Net loans and leases to total assets | 81.0465% | 281 |
| Net loans and leases to deposits | 103.9898% | 204 |
| Net loans and leases to core deposits | 118.3833% | 260 |
| Total domestic deposits to total assets | 77.9370% | 4,440 |
| Equity capital to assets | 10.5488% | 2,217 |
| Core capital (leverage) ratio | 11.5688% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5396% | 1,159 |
| Memoranda: | ||
| Average total assets | $664,930,000 | 1,336 |
| Average earning assets | $631,860,000 | 1,319 |
| Average equity | $69,543,500 | 1,358 |
| Average total loans | $542,839,500 | 1,123 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,031 |
| Cost of funding earning assets | 0.7896% | 1,254 |
| Net interest margin | 3.8461% | 1,369 |
| Noninterest income to average assets | 0.3565% | 3,337 |
| Noninterest expense to average assets | 2.5811% | 2,615 |
| Loan and lease loss provision to assets | 0.0711% | 3,493 |
| Net operating income to assets | 1.0059% | 2,268 |
| Return on assets (ROA) | 1.0041% | 2,417 |
| Pretax return on assets | 1.3489% | 1,824 |
| Return on Equity (ROE) | 9.8883% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.8883% | 608 |
| Net charge-offs to loans | 0.0009% | 3,396 |
| Credit loss provision to net charge-offs | 9,120.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 1,825.6000% | 64 |
| Efficiency ratio | 64.4728% | 2,745 |
| Assets per employee ($millions) | 7.0190% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,525 |
| Loan loss allowance to noncurrent loans | 2,453.0864% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,262 |
| Noncurrent loans to loans | 0.0301% | 4,194 |
| Net loans and leases to total assets | 81.0303% | 366 |
| Net loans and leases to deposits | 106.2125% | 225 |
| Net loans and leases to core deposits | 123.1328% | 274 |
| Total domestic deposits to total assets | 76.2907% | 4,492 |
| Equity capital to assets | 10.3673% | 2,785 |
| Core capital (leverage) ratio | 11.3063% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7547% | 1,098 |
| Memoranda: | ||
| Average total assets | $641,788,800 | 1,265 |
| Average earning assets | $608,542,200 | 1,248 |
| Average equity | $65,168,000 | 1,370 |
| Average total loans | $527,017,000 | 1,094 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,196 |
| Cost of funding earning assets | 0.8520% | 1,250 |
| Net interest margin | 3.7913% | 1,641 |
| Noninterest income to average assets | 0.3350% | 3,477 |
| Noninterest expense to average assets | 2.3961% | 3,142 |
| Loan and lease loss provision to assets | 0.0239% | 4,036 |
| Net operating income to assets | 1.1186% | 1,920 |
| Return on assets (ROA) | 1.1162% | 2,046 |
| Pretax return on assets | 1.5036% | 1,441 |
| Return on Equity (ROE) | 11.0522% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.0522% | 566 |
| Net charge-offs to loans | -0.0003% | 3,766 |
| Credit loss provision to net charge-offs | -11,400.0000% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0208% | 3,212 |
| Assets per employee ($millions) | 6.7918% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 4,648 |
| Loan loss allowance to noncurrent loans | 1,945.4545% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,325 |
| Noncurrent loans to loans | 0.0338% | 4,254 |
| Net loans and leases to total assets | 82.4960% | 398 |
| Net loans and leases to deposits | 108.6954% | 254 |
| Net loans and leases to core deposits | 125.8439% | 307 |
| Total domestic deposits to total assets | 75.8966% | 4,438 |
| Equity capital to assets | 10.0471% | 3,188 |
| Core capital (leverage) ratio | 11.2455% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3399% | 1,178 |
| Memoranda: | ||
| Average total assets | $637,290,250 | 1,258 |
| Average earning assets | $603,748,250 | 1,238 |
| Average equity | $64,359,500 | 1,369 |
| Average total loans | $524,121,750 | 1,088 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 1,175 |
| Cost of funding earning assets | 0.9238% | 1,263 |
| Net interest margin | 3.8749% | 1,638 |
| Noninterest income to average assets | 0.3590% | 3,332 |
| Noninterest expense to average assets | 2.3951% | 3,272 |
| Loan and lease loss provision to assets | 0.0373% | 3,807 |
| Net operating income to assets | 1.1858% | 1,682 |
| Return on assets (ROA) | 1.1783% | 1,837 |
| Pretax return on assets | 1.5873% | 1,258 |
| Return on Equity (ROE) | 11.6464% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.6464% | 506 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4434% | 3,495 |
| Assets per employee ($millions) | 7.0586% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 4,639 |
| Loan loss allowance to noncurrent loans | 2,022.2222% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,418 |
| Noncurrent loans to loans | 0.0330% | 4,348 |
| Net loans and leases to total assets | 80.8868% | 509 |
| Net loans and leases to deposits | 109.1253% | 249 |
| Net loans and leases to core deposits | 126.2866% | 309 |
| Total domestic deposits to total assets | 74.1228% | 4,588 |
| Equity capital to assets | 9.7142% | 3,456 |
| Core capital (leverage) ratio | 10.4065% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1845% | 1,211 |
| Memoranda: | ||
| Average total assets | $627,854,333 | 1,256 |
| Average earning assets | $594,697,000 | 1,230 |
| Average equity | $63,521,667 | 1,372 |
| Average total loans | $514,585,667 | 1,093 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 992 |
| Cost of funding earning assets | 1.0689% | 1,148 |
| Net interest margin | 3.9204% | 1,603 |
| Noninterest income to average assets | 0.2922% | 3,775 |
| Noninterest expense to average assets | 2.4033% | 3,535 |
| Loan and lease loss provision to assets | 0.0356% | 3,327 |
| Net operating income to assets | 1.1592% | 1,660 |
| Return on assets (ROA) | 1.1436% | 1,812 |
| Pretax return on assets | 1.5393% | 1,209 |
| Return on Equity (ROE) | 11.0600% | 1,391 |
| Retained earnings to average equity (ytd only) | 11.0600% | 556 |
| Net charge-offs to loans | -0.0008% | 3,599 |
| Credit loss provision to net charge-offs | -5,400.0000% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1122% | 3,727 |
| Assets per employee ($millions) | 6.3955% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,578 |
| Loan loss allowance to noncurrent loans | 2,670.8955% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,525 |
| Noncurrent loans to loans | 0.0269% | 4,460 |
| Net loans and leases to total assets | 81.3430% | 524 |
| Net loans and leases to deposits | 108.3854% | 219 |
| Net loans and leases to core deposits | 127.5013% | 309 |
| Total domestic deposits to total assets | 75.0497% | 4,581 |
| Equity capital to assets | 10.3816% | 3,441 |
| Core capital (leverage) ratio | 10.7688% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3243% | 1,523 |
| Memoranda: | ||
| Average total assets | $606,497,500 | 1,251 |
| Average earning assets | $573,315,000 | 1,233 |
| Average equity | $62,712,500 | 1,377 |
| Average total loans | $498,858,000 | 1,099 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 1,618 |
| Cost of funding earning assets | 1.2319% | 942 |
| Net interest margin | 3.7143% | 2,772 |
| Noninterest income to average assets | 0.3190% | 3,783 |
| Noninterest expense to average assets | 2.3711% | 3,766 |
| Loan and lease loss provision to assets | 0.0007% | 3,966 |
| Net operating income to assets | 1.0782% | 2,531 |
| Return on assets (ROA) | 1.0782% | 2,630 |
| Pretax return on assets | 1.4526% | 1,968 |
| Return on Equity (ROE) | 10.8676% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.8676% | 352 |
| Net charge-offs to loans | -0.0014% | 4,195 |
| Credit loss provision to net charge-offs | -57.1429% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9994% | 3,383 |
| Assets per employee ($millions) | 6.3720% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7047% | 4,564 |
| Loan loss allowance to noncurrent loans | 2,188.1988% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,519 |
| Noncurrent loans to loans | 0.0322% | 4,435 |
| Net loans and leases to total assets | 82.0023% | 560 |
| Net loans and leases to deposits | 109.7981% | 193 |
| Net loans and leases to core deposits | 128.8955% | 289 |
| Total domestic deposits to total assets | 74.6846% | 4,725 |
| Equity capital to assets | 10.2869% | 3,635 |
| Core capital (leverage) ratio | 10.3812% | 3,093 |
| Tier 1 risk-based capital ratio | 14.7944% | 2,868 |
| Total risk-based capital ratio | 15.7049% | 2,936 |
| Memoranda: | ||
| Average total assets | $592,163,600 | 1,233 |
| Average earning assets | $558,874,000 | 1,218 |
| Average equity | $58,752,400 | 1,389 |
| Average total loans | $487,792,600 | 1,102 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 1,708 |
| Cost of funding earning assets | 1.2388% | 938 |
| Net interest margin | 3.7005% | 2,917 |
| Noninterest income to average assets | 0.3217% | 3,818 |
| Noninterest expense to average assets | 2.4120% | 3,648 |
| Loan and lease loss provision to assets | 0.0009% | 3,829 |
| Net operating income to assets | 1.0406% | 2,817 |
| Return on assets (ROA) | 1.0406% | 2,904 |
| Pretax return on assets | 1.3995% | 2,317 |
| Return on Equity (ROE) | 10.5885% | 2,177 |
| Retained earnings to average equity (ytd only) | 10.5885% | 606 |
| Net charge-offs to loans | -0.0022% | 4,067 |
| Credit loss provision to net charge-offs | -50.0000% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2676% | 3,116 |
| Assets per employee ($millions) | 6.2443% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,658 |
| Loan loss allowance to noncurrent loans | 562.7796% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,200 |
| Noncurrent loans to loans | 0.1241% | 4,094 |
| Net loans and leases to total assets | 81.8224% | 588 |
| Net loans and leases to deposits | 112.1080% | 178 |
| Net loans and leases to core deposits | 131.2881% | 278 |
| Total domestic deposits to total assets | 72.9854% | 4,867 |
| Equity capital to assets | 9.8661% | 4,145 |
| Core capital (leverage) ratio | 10.2714% | 3,335 |
| Tier 1 risk-based capital ratio | 14.1605% | 3,248 |
| Total risk-based capital ratio | 15.0697% | 3,324 |
| Memoranda: | ||
| Average total assets | $588,868,500 | 1,243 |
| Average earning assets | $555,478,250 | 1,226 |
| Average equity | $57,872,750 | 1,405 |
| Average total loans | $484,761,000 | 1,110 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 1,743 |
| Cost of funding earning assets | 1.2451% | 881 |
| Net interest margin | 3.6590% | 3,076 |
| Noninterest income to average assets | 0.3094% | 3,857 |
| Noninterest expense to average assets | 2.5304% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9199% | 3,207 |
| Return on assets (ROA) | 0.9199% | 3,269 |
| Pretax return on assets | 1.2316% | 2,810 |
| Return on Equity (ROE) | 9.3726% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.3726% | 942 |
| Net charge-offs to loans | -0.0063% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2613% | 2,646 |
| Assets per employee ($millions) | 5.9516% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,629 |
| Loan loss allowance to noncurrent loans | 634.3525% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,281 |
| Noncurrent loans to loans | 0.1165% | 4,154 |
| Net loans and leases to total assets | 81.2415% | 702 |
| Net loans and leases to deposits | 106.9052% | 306 |
| Net loans and leases to core deposits | 126.7948% | 369 |
| Total domestic deposits to total assets | 75.9939% | 4,669 |
| Equity capital to assets | 10.0290% | 3,953 |
| Core capital (leverage) ratio | 10.1538% | 3,437 |
| Tier 1 risk-based capital ratio | 14.4093% | 3,110 |
| Total risk-based capital ratio | 15.3698% | 3,173 |
| Memoranda: | ||
| Average total assets | $581,176,000 | 1,254 |
| Average earning assets | $548,403,000 | 1,241 |
| Average equity | $57,038,670 | 1,416 |
| Average total loans | $478,270,670 | 1,124 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 1,779 |
| Cost of funding earning assets | 1.2347% | 809 |
| Net interest margin | 3.6111% | 3,212 |
| Noninterest income to average assets | 0.2868% | 3,957 |
| Noninterest expense to average assets | 2.5573% | 3,348 |
| Loan and lease loss provision to assets | 0.0055% | 3,357 |
| Net operating income to assets | 0.8529% | 3,440 |
| Return on assets (ROA) | 0.8529% | 3,483 |
| Pretax return on assets | 1.1301% | 3,042 |
| Return on Equity (ROE) | 8.7870% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.7870% | 1,391 |
| Net charge-offs to loans | -0.0125% | 4,316 |
| Credit loss provision to net charge-offs | -53.3333% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2494% | 2,466 |
| Assets per employee ($millions) | 5.9714% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 4,716 |
| Loan loss allowance to noncurrent loans | 471.3333% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,154 |
| Noncurrent loans to loans | 0.1549% | 4,044 |
| Net loans and leases to total assets | 82.1206% | 575 |
| Net loans and leases to deposits | 109.1476% | 239 |
| Net loans and leases to core deposits | 129.0756% | 319 |
| Total domestic deposits to total assets | 75.2381% | 4,836 |
| Equity capital to assets | 9.7352% | 4,059 |
| Core capital (leverage) ratio | 10.0268% | 3,574 |
| Tier 1 risk-based capital ratio | 13.8570% | 3,419 |
| Total risk-based capital ratio | 14.7904% | 3,498 |
| Memoranda: | ||
| Average total assets | $580,133,500 | 1,256 |
| Average earning assets | $547,194,500 | 1,243 |
| Average equity | $56,310,500 | 1,426 |
| Average total loans | $478,717,500 | 1,128 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 1,474 |
| Cost of funding earning assets | 1.0088% | 727 |
| Net interest margin | 3.8201% | 2,594 |
| Noninterest income to average assets | 0.3026% | 4,079 |
| Noninterest expense to average assets | 2.3849% | 3,921 |
| Loan and lease loss provision to assets | 0.0717% | 2,703 |
| Net operating income to assets | 1.0857% | 2,657 |
| Return on assets (ROA) | 1.0857% | 2,651 |
| Pretax return on assets | 1.4456% | 1,969 |
| Return on Equity (ROE) | 11.9174% | 1,744 |
| Retained earnings to average equity (ytd only) | 11.9174% | 326 |
| Net charge-offs to loans | 0.0011% | 3,740 |
| Credit loss provision to net charge-offs | 8,260.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,749.0000% | 61 |
| Efficiency ratio | 61.1178% | 3,674 |
| Assets per employee ($millions) | 5.9903% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,701 |
| Loan loss allowance to noncurrent loans | 442.3174% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 4,129 |
| Noncurrent loans to loans | 0.1677% | 3,996 |
| Net loans and leases to total assets | 81.6980% | 698 |
| Net loans and leases to deposits | 108.3881% | 291 |
| Net loans and leases to core deposits | 128.2764% | 350 |
| Total domestic deposits to total assets | 75.3755% | 4,833 |
| Equity capital to assets | 9.6773% | 3,975 |
| Core capital (leverage) ratio | 9.7782% | 3,826 |
| Tier 1 risk-based capital ratio | 13.8404% | 3,364 |
| Total risk-based capital ratio | 14.7852% | 3,433 |
| Memoranda: | ||
| Average total assets | $576,380,600 | 1,242 |
| Average earning assets | $543,099,000 | 1,226 |
| Average equity | $52,511,400 | 1,452 |
| Average total loans | $473,765,600 | 1,101 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 1,497 |
| Cost of funding earning assets | 0.9642% | 701 |
| Net interest margin | 3.8045% | 2,632 |
| Noninterest income to average assets | 0.3070% | 4,097 |
| Noninterest expense to average assets | 2.3482% | 3,981 |
| Loan and lease loss provision to assets | 0.0398% | 3,206 |
| Net operating income to assets | 1.1317% | 2,521 |
| Return on assets (ROA) | 1.1317% | 2,537 |
| Pretax return on assets | 1.5048% | 1,882 |
| Return on Equity (ROE) | 12.6173% | 1,573 |
| Retained earnings to average equity (ytd only) | 12.6173% | 404 |
| Net charge-offs to loans | 0.0014% | 3,451 |
| Credit loss provision to net charge-offs | 3,440.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 1,335.4993% | 57 |
| Efficiency ratio | 60.3219% | 3,770 |
| Assets per employee ($millions) | 5.9101% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 4,894 |
| Loan loss allowance to noncurrent loans | 361.4365% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 4,184 |
| Noncurrent loans to loans | 0.1904% | 4,029 |
| Net loans and leases to total assets | 80.6754% | 915 |
| Net loans and leases to deposits | 105.8921% | 445 |
| Net loans and leases to core deposits | 124.3564% | 455 |
| Total domestic deposits to total assets | 76.1865% | 4,769 |
| Equity capital to assets | 9.2294% | 4,345 |
| Core capital (leverage) ratio | 9.5836% | 4,078 |
| Tier 1 risk-based capital ratio | 13.3525% | 3,706 |
| Total risk-based capital ratio | 14.2365% | 3,824 |
| Memoranda: | ||
| Average total assets | $576,708,500 | 1,245 |
| Average earning assets | $543,553,500 | 1,231 |
| Average equity | $51,726,500 | 1,470 |
| Average total loans | $473,874,000 | 1,096 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 1,297 |
| Cost of funding earning assets | 0.9448% | 594 |
| Net interest margin | 3.8383% | 2,425 |
| Noninterest income to average assets | 0.2795% | 4,316 |
| Noninterest expense to average assets | 2.3701% | 3,975 |
| Loan and lease loss provision to assets | 0.0596% | 2,713 |
| Net operating income to assets | 1.1106% | 2,543 |
| Return on assets (ROA) | 1.1106% | 2,547 |
| Pretax return on assets | 1.4671% | 1,939 |
| Return on Equity (ROE) | 12.5058% | 1,544 |
| Retained earnings to average equity (ytd only) | 12.5058% | 447 |
| Net charge-offs to loans | 0.0021% | 3,133 |
| Credit loss provision to net charge-offs | 3,420.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 876.2000% | 90 |
| Efficiency ratio | 60.8210% | 3,792 |
| Assets per employee ($millions) | 5.7834% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 4,959 |
| Loan loss allowance to noncurrent loans | 302.4977% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 3,973 |
| Noncurrent loans to loans | 0.2293% | 3,896 |
| Net loans and leases to total assets | 81.7696% | 731 |
| Net loans and leases to deposits | 107.6118% | 368 |
| Net loans and leases to core deposits | 127.2860% | 385 |
| Total domestic deposits to total assets | 75.9858% | 4,853 |
| Equity capital to assets | 9.1733% | 4,404 |
| Core capital (leverage) ratio | 9.3139% | 4,346 |
| Tier 1 risk-based capital ratio | 13.0338% | 3,874 |
| Total risk-based capital ratio | 13.9081% | 3,990 |
| Memoranda: | ||
| Average total assets | $573,911,330 | 1,251 |
| Average earning assets | $540,869,670 | 1,239 |
| Average equity | $50,968,330 | 1,490 |
| Average total loans | $473,397,670 | 1,106 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,650 |
| Cost of funding earning assets | 0.8979% | 598 |
| Net interest margin | 3.6758% | 2,903 |
| Noninterest income to average assets | 0.2750% | 4,330 |
| Noninterest expense to average assets | 2.4010% | 3,940 |
| Loan and lease loss provision to assets | 0.1225% | 1,542 |
| Net operating income to assets | 0.9127% | 3,238 |
| Return on assets (ROA) | 0.9127% | 3,248 |
| Pretax return on assets | 1.2169% | 2,687 |
| Return on Equity (ROE) | 10.4480% | 2,204 |
| Retained earnings to average equity (ytd only) | 10.4480% | 1,033 |
| Net charge-offs to loans | 0.0025% | 2,648 |
| Credit loss provision to net charge-offs | 5,866.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 641.3333% | 98 |
| Efficiency ratio | 64.1913% | 3,448 |
| Assets per employee ($millions) | 6.2066% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 5,053 |
| Loan loss allowance to noncurrent loans | 174.9600% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,478 |
| Noncurrent loans to loans | 0.3924% | 3,381 |
| Net loans and leases to total assets | 82.1260% | 651 |
| Net loans and leases to deposits | 110.4092% | 242 |
| Net loans and leases to core deposits | 131.7410% | 307 |
| Total domestic deposits to total assets | 74.3833% | 5,115 |
| Equity capital to assets | 8.7910% | 4,747 |
| Core capital (leverage) ratio | 8.9721% | 4,704 |
| Tier 1 risk-based capital ratio | 12.1796% | 4,448 |
| Total risk-based capital ratio | 13.0501% | 4,560 |
| Memoranda: | ||
| Average total assets | $574,589,000 | 1,261 |
| Average earning assets | $541,707,500 | 1,243 |
| Average equity | $50,191,500 | 1,527 |
| Average total loans | $474,373,000 | 1,111 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,511 |
| Cost of funding earning assets | 0.7066% | 990 |
| Net interest margin | 3.8658% | 2,201 |
| Noninterest income to average assets | 0.3071% | 4,264 |
| Noninterest expense to average assets | 2.4687% | 3,884 |
| Loan and lease loss provision to assets | 0.0173% | 3,952 |
| Net operating income to assets | 0.7892% | 3,207 |
| Return on assets (ROA) | 0.7907% | 3,246 |
| Pretax return on assets | 1.4611% | 1,775 |
| Return on Equity (ROE) | 9.1229% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.1229% | 487 |
| Net charge-offs to loans | -0.0230% | 4,993 |
| Credit loss provision to net charge-offs | -92.2330% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5820% | 3,846 |
| Assets per employee ($millions) | 6.2853% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 5,143 |
| Loan loss allowance to noncurrent loans | 198.2120% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,652 |
| Noncurrent loans to loans | 0.3322% | 3,577 |
| Net loans and leases to total assets | 81.8797% | 695 |
| Net loans and leases to deposits | 111.7968% | 223 |
| Net loans and leases to core deposits | 130.0177% | 339 |
| Total domestic deposits to total assets | 73.2398% | 5,240 |
| Equity capital to assets | 8.6789% | 4,969 |
| Core capital (leverage) ratio | 8.8732% | 4,784 |
| Tier 1 risk-based capital ratio | 12.1104% | 4,456 |
| Total risk-based capital ratio | 12.9532% | 4,601 |
| Memoranda: | ||
| Average total assets | $548,632,000 | 1,284 |
| Average earning assets | $516,243,400 | 1,268 |
| Average equity | $47,550,600 | 1,578 |
| Average total loans | $448,739,000 | 1,132 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,507 |
| Cost of funding earning assets | 0.6748% | 1,096 |
| Net interest margin | 3.8736% | 2,128 |
| Noninterest income to average assets | 0.3137% | 4,289 |
| Noninterest expense to average assets | 2.4406% | 3,912 |
| Loan and lease loss provision to assets | 0.0359% | 3,396 |
| Net operating income to assets | 0.9287% | 2,885 |
| Return on assets (ROA) | 0.9307% | 2,939 |
| Pretax return on assets | 1.4839% | 1,827 |
| Return on Equity (ROE) | 10.7422% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.7422% | 452 |
| Net charge-offs to loans | -0.0325% | 5,024 |
| Credit loss provision to net charge-offs | -135.1852% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6760% | 3,925 |
| Assets per employee ($millions) | 6.3209% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 5,190 |
| Loan loss allowance to noncurrent loans | 282.9006% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 4,137 |
| Noncurrent loans to loans | 0.2395% | 4,096 |
| Net loans and leases to total assets | 81.4373% | 776 |
| Net loans and leases to deposits | 108.1944% | 332 |
| Net loans and leases to core deposits | 125.8977% | 412 |
| Total domestic deposits to total assets | 75.2694% | 5,102 |
| Equity capital to assets | 8.6582% | 5,181 |
| Core capital (leverage) ratio | 8.9285% | 4,825 |
| Tier 1 risk-based capital ratio | 12.0574% | 4,568 |
| Total risk-based capital ratio | 12.8513% | 4,770 |
| Memoranda: | ||
| Average total assets | $542,799,750 | 1,305 |
| Average earning assets | $510,553,250 | 1,287 |
| Average equity | $47,028,250 | 1,611 |
| Average total loans | $443,067,750 | 1,151 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 1,439 |
| Cost of funding earning assets | 0.6415% | 1,202 |
| Net interest margin | 3.8879% | 1,979 |
| Noninterest income to average assets | 0.3202% | 4,264 |
| Noninterest expense to average assets | 2.5190% | 3,692 |
| Loan and lease loss provision to assets | 0.0285% | 3,429 |
| Net operating income to assets | 0.9013% | 2,907 |
| Return on assets (ROA) | 0.9013% | 2,961 |
| Pretax return on assets | 1.4312% | 1,895 |
| Return on Equity (ROE) | 10.4006% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.4006% | 522 |
| Net charge-offs to loans | -0.0478% | 5,154 |
| Credit loss provision to net charge-offs | -73.0769% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3129% | 3,787 |
| Assets per employee ($millions) | 6.0618% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 5,231 |
| Loan loss allowance to noncurrent loans | 169.2814% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,416 |
| Noncurrent loans to loans | 0.4089% | 3,558 |
| Net loans and leases to total assets | 81.1566% | 796 |
| Net loans and leases to deposits | 104.7046% | 459 |
| Net loans and leases to core deposits | 124.2524% | 427 |
| Total domestic deposits to total assets | 77.5101% | 4,889 |
| Equity capital to assets | 8.7465% | 5,103 |
| Core capital (leverage) ratio | 8.9129% | 4,822 |
| Tier 1 risk-based capital ratio | 12.2500% | 4,460 |
| Total risk-based capital ratio | 13.0695% | 4,635 |
| Memoranda: | ||
| Average total assets | $534,105,670 | 1,333 |
| Average earning assets | $502,582,330 | 1,312 |
| Average equity | $46,286,000 | 1,637 |
| Average total loans | $435,276,330 | 1,168 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 1,632 |
| Cost of funding earning assets | 0.6083% | 1,315 |
| Net interest margin | 3.7972% | 2,121 |
| Noninterest income to average assets | 0.3255% | 4,213 |
| Noninterest expense to average assets | 2.5270% | 3,728 |
| Loan and lease loss provision to assets | 0.3331% | 370 |
| Net operating income to assets | 0.6639% | 3,860 |
| Return on assets (ROA) | 0.6639% | 3,900 |
| Pretax return on assets | 1.0379% | 3,207 |
| Return on Equity (ROE) | 7.6980% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.6980% | 1,577 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8281% | 3,693 |
| Assets per employee ($millions) | 6.0314% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 5,186 |
| Loan loss allowance to noncurrent loans | 155.1229% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 3,271 |
| Noncurrent loans to loans | 0.4859% | 3,349 |
| Net loans and leases to total assets | 81.1604% | 672 |
| Net loans and leases to deposits | 108.5684% | 250 |
| Net loans and leases to core deposits | 126.0715% | 323 |
| Total domestic deposits to total assets | 74.7550% | 5,356 |
| Equity capital to assets | 8.5003% | 5,243 |
| Core capital (leverage) ratio | 8.9166% | 4,827 |
| Tier 1 risk-based capital ratio | 11.7846% | 4,860 |
| Total risk-based capital ratio | 12.6803% | 4,972 |
| Memoranda: | ||
| Average total assets | $528,376,500 | 1,351 |
| Average earning assets | $497,103,000 | 1,323 |
| Average equity | $45,570,000 | 1,662 |
| Average total loans | $429,991,000 | 1,184 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 1,636 |
| Cost of funding earning assets | 0.6210% | 1,200 |
| Net interest margin | 3.8482% | 2,146 |
| Noninterest income to average assets | 0.3884% | 3,978 |
| Noninterest expense to average assets | 2.5895% | 3,704 |
| Loan and lease loss provision to assets | 0.0719% | 2,921 |
| Net operating income to assets | 0.8428% | 3,096 |
| Return on assets (ROA) | 0.8445% | 3,205 |
| Pretax return on assets | 1.3440% | 2,121 |
| Return on Equity (ROE) | 9.7828% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.7828% | 449 |
| Net charge-offs to loans | 0.1958% | 1,414 |
| Credit loss provision to net charge-offs | 45.7325% | 3,429 |
| Earnings coverage of net charge-offs (x) | 8.9885% | 2,805 |
| Efficiency ratio | 64.6918% | 3,819 |
| Assets per employee ($millions) | 5.7744% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 5,364 |
| Loan loss allowance to noncurrent loans | 155.6508% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 3,266 |
| Noncurrent loans to loans | 0.4487% | 3,542 |
| Net loans and leases to total assets | 80.3948% | 830 |
| Net loans and leases to deposits | 101.5260% | 566 |
| Net loans and leases to core deposits | 118.0531% | 543 |
| Total domestic deposits to total assets | 79.1864% | 4,754 |
| Equity capital to assets | 8.7558% | 5,058 |
| Core capital (leverage) ratio | 9.0802% | 4,648 |
| Tier 1 risk-based capital ratio | 12.5404% | 4,359 |
| Total risk-based capital ratio | 13.3925% | 4,502 |
| Memoranda: | ||
| Average total assets | $499,242,600 | 1,378 |
| Average earning assets | $468,922,200 | 1,352 |
| Average equity | $43,096,000 | 1,721 |
| Average total loans | $400,940,000 | 1,202 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 1,609 |
| Cost of funding earning assets | 0.6328% | 1,122 |
| Net interest margin | 3.8465% | 2,168 |
| Noninterest income to average assets | 0.3877% | 4,007 |
| Noninterest expense to average assets | 2.6073% | 3,638 |
| Loan and lease loss provision to assets | 0.0799% | 2,611 |
| Net operating income to assets | 0.8256% | 3,255 |
| Return on assets (ROA) | 0.8278% | 3,374 |
| Pretax return on assets | 1.3164% | 2,363 |
| Return on Equity (ROE) | 9.6258% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.6258% | 655 |
| Net charge-offs to loans | 0.0517% | 2,627 |
| Credit loss provision to net charge-offs | 192.8571% | 1,475 |
| Earnings coverage of net charge-offs (x) | 33.6166% | 1,386 |
| Efficiency ratio | 65.1803% | 3,734 |
| Assets per employee ($millions) | 5.7109% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 5,010 |
| Loan loss allowance to noncurrent loans | 129.0382% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 2,580 |
| Noncurrent loans to loans | 0.6664% | 3,033 |
| Net loans and leases to total assets | 79.7137% | 931 |
| Net loans and leases to deposits | 98.0469% | 852 |
| Net loans and leases to core deposits | 114.6049% | 701 |
| Total domestic deposits to total assets | 81.3016% | 4,167 |
| Equity capital to assets | 8.8356% | 5,297 |
| Core capital (leverage) ratio | 9.0211% | 4,807 |
| Tier 1 risk-based capital ratio | 12.5892% | 4,421 |
| Total risk-based capital ratio | 13.6084% | 4,469 |
| Memoranda: | ||
| Average total assets | $495,572,250 | 1,397 |
| Average earning assets | $465,416,000 | 1,364 |
| Average equity | $42,620,500 | 1,744 |
| Average total loans | $397,156,500 | 1,204 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 1,557 |
| Cost of funding earning assets | 0.6470% | 1,063 |
| Net interest margin | 3.8390% | 2,175 |
| Noninterest income to average assets | 0.3645% | 4,152 |
| Noninterest expense to average assets | 2.5736% | 3,805 |
| Loan and lease loss provision to assets | 0.0916% | 2,316 |
| Net operating income to assets | 0.8179% | 3,230 |
| Return on assets (ROA) | 0.8215% | 3,347 |
| Pretax return on assets | 1.3089% | 2,369 |
| Return on Equity (ROE) | 9.6417% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.6417% | 672 |
| Net charge-offs to loans | 0.0679% | 2,216 |
| Credit loss provision to net charge-offs | 168.6567% | 1,465 |
| Earnings coverage of net charge-offs (x) | 25.6716% | 1,505 |
| Efficiency ratio | 64.8513% | 3,869 |
| Assets per employee ($millions) | 5.5902% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 5,078 |
| Loan loss allowance to noncurrent loans | 125.5592% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 2,528 |
| Noncurrent loans to loans | 0.6888% | 3,013 |
| Net loans and leases to total assets | 78.8903% | 1,081 |
| Net loans and leases to deposits | 96.4957% | 1,027 |
| Net loans and leases to core deposits | 113.0600% | 771 |
| Total domestic deposits to total assets | 81.7553% | 4,072 |
| Equity capital to assets | 8.7007% | 5,482 |
| Core capital (leverage) ratio | 8.8574% | 4,990 |
| Tier 1 risk-based capital ratio | 12.5213% | 4,506 |
| Total risk-based capital ratio | 13.5196% | 4,584 |
| Memoranda: | ||
| Average total assets | $493,244,000 | 1,403 |
| Average earning assets | $463,043,000 | 1,375 |
| Average equity | $42,026,000 | 1,764 |
| Average total loans | $394,848,000 | 1,218 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 1,485 |
| Cost of funding earning assets | 0.6555% | 1,025 |
| Net interest margin | 3.8524% | 2,090 |
| Noninterest income to average assets | 0.3673% | 4,095 |
| Noninterest expense to average assets | 2.6056% | 3,734 |
| Loan and lease loss provision to assets | 0.1531% | 1,378 |
| Net operating income to assets | 0.7738% | 3,380 |
| Return on assets (ROA) | 0.7738% | 3,482 |
| Pretax return on assets | 1.2226% | 2,611 |
| Return on Equity (ROE) | 9.1799% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.1799% | 1,056 |
| Net charge-offs to loans | 0.0030% | 3,014 |
| Credit loss provision to net charge-offs | 6,266.6667% | 59 |
| Earnings coverage of net charge-offs (x) | 563.0000% | 94 |
| Efficiency ratio | 65.4460% | 3,891 |
| Assets per employee ($millions) | 5.5948% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 5,081 |
| Loan loss allowance to noncurrent loans | 113.0868% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 2,405 |
| Noncurrent loans to loans | 0.7891% | 2,860 |
| Net loans and leases to total assets | 79.3356% | 905 |
| Net loans and leases to deposits | 97.6942% | 784 |
| Net loans and leases to core deposits | 114.9380% | 635 |
| Total domestic deposits to total assets | 81.2081% | 4,427 |
| Equity capital to assets | 8.5339% | 5,546 |
| Core capital (leverage) ratio | 8.6760% | 5,201 |
| Tier 1 risk-based capital ratio | 12.1327% | 4,823 |
| Total risk-based capital ratio | 13.1727% | 4,872 |
| Memoranda: | ||
| Average total assets | $491,103,500 | 1,411 |
| Average earning assets | $460,699,500 | 1,386 |
| Average equity | $41,395,000 | 1,784 |
| Average total loans | $394,310,500 | 1,214 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 1,670 |
| Cost of funding earning assets | 0.6492% | 1,077 |
| Net interest margin | 3.8283% | 2,273 |
| Noninterest income to average assets | 0.3950% | 4,064 |
| Noninterest expense to average assets | 2.5979% | 3,929 |
| Loan and lease loss provision to assets | 0.1577% | 1,475 |
| Net operating income to assets | 0.8106% | 3,298 |
| Return on assets (ROA) | 0.8331% | 3,256 |
| Pretax return on assets | 1.2817% | 2,347 |
| Return on Equity (ROE) | 9.9928% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.9928% | 458 |
| Net charge-offs to loans | 0.0777% | 2,710 |
| Credit loss provision to net charge-offs | 252.9010% | 1,143 |
| Earnings coverage of net charge-offs (x) | 22.5290% | 1,769 |
| Efficiency ratio | 64.9051% | 4,096 |
| Assets per employee ($millions) | 5.6306% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 5,281 |
| Loan loss allowance to noncurrent loans | 115.0950% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 2,412 |
| Noncurrent loans to loans | 0.7338% | 2,977 |
| Net loans and leases to total assets | 79.8525% | 865 |
| Net loans and leases to deposits | 100.1703% | 664 |
| Net loans and leases to core deposits | 118.1352% | 538 |
| Total domestic deposits to total assets | 79.7168% | 4,819 |
| Equity capital to assets | 8.3236% | 5,687 |
| Core capital (leverage) ratio | 8.6031% | 5,325 |
| Tier 1 risk-based capital ratio | 11.7754% | 5,092 |
| Total risk-based capital ratio | 12.7435% | 5,163 |
| Memoranda: | ||
| Average total assets | $469,915,400 | 1,433 |
| Average earning assets | $442,834,200 | 1,402 |
| Average equity | $39,178,200 | 1,836 |
| Average total loans | $376,978,200 | 1,219 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 1,720 |
| Cost of funding earning assets | 0.6560% | 1,059 |
| Net interest margin | 3.8065% | 2,358 |
| Noninterest income to average assets | 0.3906% | 4,150 |
| Noninterest expense to average assets | 2.5973% | 3,893 |
| Loan and lease loss provision to assets | 0.0814% | 2,542 |
| Net operating income to assets | 0.8466% | 3,188 |
| Return on assets (ROA) | 0.8770% | 3,139 |
| Pretax return on assets | 1.3481% | 2,219 |
| Return on Equity (ROE) | 10.5139% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.5139% | 549 |
| Net charge-offs to loans | 0.0691% | 2,577 |
| Credit loss provision to net charge-offs | 147.1503% | 1,712 |
| Earnings coverage of net charge-offs (x) | 24.9841% | 1,677 |
| Efficiency ratio | 65.2569% | 4,024 |
| Assets per employee ($millions) | 5.6728% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 5,589 |
| Loan loss allowance to noncurrent loans | 251.4793% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 3,526 |
| Noncurrent loans to loans | 0.3060% | 4,506 |
| Net loans and leases to total assets | 79.5708% | 873 |
| Net loans and leases to deposits | 98.7225% | 749 |
| Net loans and leases to core deposits | 115.3893% | 621 |
| Total domestic deposits to total assets | 80.6005% | 4,577 |
| Equity capital to assets | 8.3297% | 5,813 |
| Core capital (leverage) ratio | 8.5917% | 5,472 |
| Tier 1 risk-based capital ratio | 11.6635% | 5,290 |
| Total risk-based capital ratio | 12.5597% | 5,388 |
| Memoranda: | ||
| Average total assets | $464,928,500 | 1,454 |
| Average earning assets | $438,431,000 | 1,418 |
| Average equity | $38,779,250 | 1,874 |
| Average total loans | $372,597,750 | 1,231 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 1,655 |
| Cost of funding earning assets | 0.6709% | 988 |
| Net interest margin | 3.7902% | 2,357 |
| Noninterest income to average assets | 0.3920% | 4,139 |
| Noninterest expense to average assets | 2.6591% | 3,722 |
| Loan and lease loss provision to assets | 0.0806% | 2,500 |
| Net operating income to assets | 0.8059% | 3,353 |
| Return on assets (ROA) | 0.8393% | 3,280 |
| Pretax return on assets | 1.2814% | 2,428 |
| Return on Equity (ROE) | 10.0581% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.0581% | 649 |
| Net charge-offs to loans | 0.0114% | 3,509 |
| Credit loss provision to net charge-offs | 880.9524% | 397 |
| Earnings coverage of net charge-offs (x) | 143.2857% | 443 |
| Efficiency ratio | 66.9849% | 3,841 |
| Assets per employee ($millions) | 5.3648% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 5,591 |
| Loan loss allowance to noncurrent loans | 91.1782% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 3,130 |
| Noncurrent loans to loans | 0.8822% | 2,920 |
| Net loans and leases to total assets | 79.6442% | 850 |
| Net loans and leases to deposits | 96.9385% | 880 |
| Net loans and leases to core deposits | 114.2478% | 654 |
| Total domestic deposits to total assets | 82.1595% | 4,245 |
| Equity capital to assets | 8.2817% | 5,843 |
| Core capital (leverage) ratio | 8.5863% | 5,454 |
| Tier 1 risk-based capital ratio | 11.7614% | 5,304 |
| Total risk-based capital ratio | 12.7248% | 5,400 |
| Memoranda: | ||
| Average total assets | $459,175,330 | 1,477 |
| Average earning assets | $433,437,000 | 1,447 |
| Average equity | $38,317,330 | 1,899 |
| Average total loans | $367,911,670 | 1,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,495 |
| Cost of funding earning assets | 0.6896% | 895 |
| Net interest margin | 3.7998% | 2,234 |
| Noninterest income to average assets | 0.3817% | 4,151 |
| Noninterest expense to average assets | 2.6454% | 3,758 |
| Loan and lease loss provision to assets | 0.1272% | 1,630 |
| Net operating income to assets | 0.7715% | 3,411 |
| Return on assets (ROA) | 0.7749% | 3,531 |
| Pretax return on assets | 1.2025% | 2,655 |
| Return on Equity (ROE) | 9.2493% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.2493% | 1,116 |
| Net charge-offs to loans | -0.0055% | 4,523 |
| Credit loss provision to net charge-offs | -2,880.0000% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6370% | 4,044 |
| Assets per employee ($millions) | 5.2700% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 5,604 |
| Loan loss allowance to noncurrent loans | 117.4603% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 3,636 |
| Noncurrent loans to loans | 0.7117% | 3,490 |
| Net loans and leases to total assets | 79.4094% | 753 |
| Net loans and leases to deposits | 93.0868% | 1,079 |
| Net loans and leases to core deposits | 110.0919% | 741 |
| Total domestic deposits to total assets | 85.3068% | 3,263 |
| Equity capital to assets | 8.4864% | 5,752 |
| Core capital (leverage) ratio | 8.5172% | 5,503 |
| Tier 1 risk-based capital ratio | 12.5588% | 4,866 |
| Total risk-based capital ratio | 13.6009% | 4,922 |
| Memoranda: | ||
| Average total assets | $452,712,500 | 1,508 |
| Average earning assets | $427,497,000 | 1,477 |
| Average equity | $37,927,000 | 1,929 |
| Average total loans | $362,342,500 | 1,265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 1,848 |
| Cost of funding earning assets | 0.8695% | 463 |
| Net interest margin | 3.6341% | 3,276 |
| Noninterest income to average assets | 0.4102% | 4,110 |
| Noninterest expense to average assets | 2.5384% | 4,428 |
| Loan and lease loss provision to assets | 0.1703% | 1,527 |
| Net operating income to assets | 0.7289% | 3,745 |
| Return on assets (ROA) | 0.7747% | 3,592 |
| Pretax return on assets | 1.1876% | 2,704 |
| Return on Equity (ROE) | 9.8111% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.8111% | 546 |
| Net charge-offs to loans | 0.1240% | 2,789 |
| Credit loss provision to net charge-offs | 174.7685% | 1,389 |
| Earnings coverage of net charge-offs (x) | 13.2153% | 2,293 |
| Efficiency ratio | 66.3484% | 4,190 |
| Assets per employee ($millions) | 5.1404% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 5,777 |
| Loan loss allowance to noncurrent loans | 154.5552% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 4,280 |
| Noncurrent loans to loans | 0.5158% | 4,122 |
| Net loans and leases to total assets | 79.3337% | 834 |
| Net loans and leases to deposits | 94.8448% | 1,009 |
| Net loans and leases to core deposits | 107.3506% | 937 |
| Total domestic deposits to total assets | 83.6458% | 3,863 |
| Equity capital to assets | 8.1706% | 5,978 |
| Core capital (leverage) ratio | 8.4502% | 5,609 |
| Tier 1 risk-based capital ratio | 11.6582% | 5,571 |
| Total risk-based capital ratio | 12.5967% | 5,662 |
| Memoranda: | ||
| Average total assets | $443,421,400 | 1,498 |
| Average earning assets | $416,775,600 | 1,474 |
| Average equity | $35,011,200 | 1,994 |
| Average total loans | $348,292,000 | 1,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 1,883 |
| Cost of funding earning assets | 0.9043% | 410 |
| Net interest margin | 3.5918% | 3,462 |
| Noninterest income to average assets | 0.3941% | 4,292 |
| Noninterest expense to average assets | 2.5153% | 4,479 |
| Loan and lease loss provision to assets | 0.1535% | 1,615 |
| Net operating income to assets | 0.6950% | 3,968 |
| Return on assets (ROA) | 0.7549% | 3,739 |
| Pretax return on assets | 1.1919% | 2,812 |
| Return on Equity (ROE) | 9.6471% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.6471% | 795 |
| Net charge-offs to loans | 0.1368% | 2,425 |
| Credit loss provision to net charge-offs | 143.5028% | 1,642 |
| Earnings coverage of net charge-offs (x) | 11.7005% | 2,389 |
| Efficiency ratio | 66.7710% | 4,087 |
| Assets per employee ($millions) | 4.9226% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,950 |
| Loan loss allowance to noncurrent loans | 108.7305% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 4,003 |
| Noncurrent loans to loans | 0.7079% | 3,836 |
| Net loans and leases to total assets | 79.0031% | 834 |
| Net loans and leases to deposits | 90.8685% | 1,342 |
| Net loans and leases to core deposits | 103.2508% | 1,138 |
| Total domestic deposits to total assets | 86.9423% | 2,352 |
| Equity capital to assets | 8.1330% | 6,055 |
| Core capital (leverage) ratio | 8.3135% | 5,828 |
| Tier 1 risk-based capital ratio | 11.6589% | 5,697 |
| Total risk-based capital ratio | 12.5730% | 5,804 |
| Memoranda: | ||
| Average total assets | $441,188,000 | 1,518 |
| Average earning assets | $414,303,750 | 1,489 |
| Average equity | $34,524,000 | 2,027 |
| Average total loans | $344,926,500 | 1,280 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,874 |
| Cost of funding earning assets | 0.9236% | 379 |
| Net interest margin | 3.5626% | 3,517 |
| Noninterest income to average assets | 0.3772% | 4,429 |
| Noninterest expense to average assets | 2.5362% | 4,467 |
| Loan and lease loss provision to assets | 0.2047% | 1,168 |
| Net operating income to assets | 0.6236% | 4,227 |
| Return on assets (ROA) | 0.7123% | 3,867 |
| Pretax return on assets | 1.1158% | 3,034 |
| Return on Equity (ROE) | 9.2236% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.2236% | 910 |
| Net charge-offs to loans | 0.1817% | 1,943 |
| Credit loss provision to net charge-offs | 145.0161% | 1,493 |
| Earnings coverage of net charge-offs (x) | 8.3730% | 2,501 |
| Efficiency ratio | 68.2090% | 3,965 |
| Assets per employee ($millions) | 4.8983% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 6,033 |
| Loan loss allowance to noncurrent loans | 123.4461% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 4,004 |
| Noncurrent loans to loans | 0.6291% | 4,136 |
| Net loans and leases to total assets | 78.2839% | 877 |
| Net loans and leases to deposits | 90.8397% | 1,286 |
| Net loans and leases to core deposits | 103.3066% | 1,063 |
| Total domestic deposits to total assets | 86.1781% | 2,951 |
| Equity capital to assets | 7.9817% | 6,164 |
| Core capital (leverage) ratio | 8.1332% | 5,997 |
| Tier 1 risk-based capital ratio | 11.2614% | 5,931 |
| Total risk-based capital ratio | 12.1807% | 6,023 |
| Memoranda: | ||
| Average total assets | $440,573,330 | 1,523 |
| Average earning assets | $413,186,330 | 1,488 |
| Average equity | $34,021,330 | 2,040 |
| Average total loans | $342,327,330 | 1,284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,997 |
| Cost of funding earning assets | 0.9512% | 339 |
| Net interest margin | 3.4871% | 3,753 |
| Noninterest income to average assets | 0.3533% | 4,548 |
| Noninterest expense to average assets | 2.4530% | 4,784 |
| Loan and lease loss provision to assets | 0.4341% | 373 |
| Net operating income to assets | 0.4784% | 4,791 |
| Return on assets (ROA) | 0.6584% | 3,995 |
| Pretax return on assets | 1.0126% | 3,276 |
| Return on Equity (ROE) | 8.6726% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.6726% | 1,350 |
| Net charge-offs to loans | 0.0259% | 3,053 |
| Credit loss provision to net charge-offs | 2,172.7273% | 161 |
| Earnings coverage of net charge-offs (x) | 58.5455% | 665 |
| Efficiency ratio | 67.7112% | 4,222 |
| Assets per employee ($millions) | 5.1742% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 5,964 |
| Loan loss allowance to noncurrent loans | 114.1938% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 4,184 |
| Noncurrent loans to loans | 0.7572% | 3,972 |
| Net loans and leases to total assets | 77.7362% | 792 |
| Net loans and leases to deposits | 89.1164% | 1,240 |
| Net loans and leases to core deposits | 101.4771% | 1,013 |
| Total domestic deposits to total assets | 87.2299% | 2,681 |
| Equity capital to assets | 7.6456% | 6,251 |
| Core capital (leverage) ratio | 7.9500% | 6,148 |
| Tier 1 risk-based capital ratio | 11.0527% | 6,134 |
| Total risk-based capital ratio | 12.0388% | 6,204 |
| Memoranda: | ||
| Average total assets | $440,438,000 | 1,525 |
| Average earning assets | $412,945,500 | 1,499 |
| Average equity | $33,438,500 | 2,064 |
| Average total loans | $339,585,500 | 1,293 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 2,279 |
| Cost of funding earning assets | 1.0991% | 287 |
| Net interest margin | 3.3827% | 4,351 |
| Noninterest income to average assets | 0.4062% | 4,396 |
| Noninterest expense to average assets | 2.5264% | 4,682 |
| Loan and lease loss provision to assets | 0.0693% | 3,745 |
| Net operating income to assets | 0.6121% | 4,207 |
| Return on assets (ROA) | 0.6379% | 4,188 |
| Pretax return on assets | 1.0175% | 3,280 |
| Return on Equity (ROE) | 8.1145% | 2,976 |
| Retained earnings to average equity (ytd only) | 8.1145% | 1,021 |
| Net charge-offs to loans | 0.0395% | 4,674 |
| Credit loss provision to net charge-offs | 241.3223% | 950 |
| Earnings coverage of net charge-offs (x) | 36.4545% | 1,024 |
| Efficiency ratio | 70.7105% | 3,721 |
| Assets per employee ($millions) | 5.0686% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 6,220 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 4,632 |
| Noncurrent loans to loans | 0.4176% | 4,959 |
| Net loans and leases to total assets | 75.1745% | 1,199 |
| Net loans and leases to deposits | 86.4173% | 1,637 |
| Net loans and leases to core deposits | 98.8751% | 1,245 |
| Total domestic deposits to total assets | 86.9901% | 2,729 |
| Equity capital to assets | 7.5375% | 6,265 |
| Core capital (leverage) ratio | 8.0114% | 6,122 |
| Tier 1 risk-based capital ratio | 11.1882% | 6,081 |
| Total risk-based capital ratio | 12.0984% | 6,195 |
| Memoranda: | ||
| Average total assets | $421,507,600 | 1,569 |
| Average earning assets | $394,599,000 | 1,532 |
| Average equity | $33,138,400 | 2,079 |
| Average total loans | $306,322,400 | 1,386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 2,286 |
| Cost of funding earning assets | 1.1230% | 272 |
| Net interest margin | 3.3626% | 4,423 |
| Noninterest income to average assets | 0.4106% | 4,446 |
| Noninterest expense to average assets | 2.5054% | 4,704 |
| Loan and lease loss provision to assets | 0.0833% | 3,401 |
| Net operating income to assets | 0.6076% | 4,314 |
| Return on assets (ROA) | 0.6304% | 4,338 |
| Pretax return on assets | 1.0024% | 3,496 |
| Return on Equity (ROE) | 7.9334% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.9334% | 1,436 |
| Net charge-offs to loans | 0.0453% | 4,260 |
| Credit loss provision to net charge-offs | 255.8824% | 969 |
| Earnings coverage of net charge-offs (x) | 32.2639% | 1,177 |
| Efficiency ratio | 70.4684% | 3,679 |
| Assets per employee ($millions) | 4.7738% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 6,227 |
| Loan loss allowance to noncurrent loans | 174.1803% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 4,694 |
| Noncurrent loans to loans | 0.4736% | 5,012 |
| Net loans and leases to total assets | 72.9821% | 1,456 |
| Net loans and leases to deposits | 81.1762% | 2,246 |
| Net loans and leases to core deposits | 92.6842% | 1,703 |
| Total domestic deposits to total assets | 89.9058% | 1,053 |
| Equity capital to assets | 7.8923% | 6,215 |
| Core capital (leverage) ratio | 8.0121% | 6,212 |
| Tier 1 risk-based capital ratio | 11.9515% | 5,802 |
| Total risk-based capital ratio | 12.8976% | 5,943 |
| Memoranda: | ||
| Average total assets | $417,909,750 | 1,589 |
| Average earning assets | $390,841,500 | 1,557 |
| Average equity | $33,209,000 | 2,098 |
| Average total loans | $300,341,500 | 1,409 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 2,180 |
| Cost of funding earning assets | 1.1384% | 279 |
| Net interest margin | 3.3676% | 4,314 |
| Noninterest income to average assets | 0.4166% | 4,403 |
| Noninterest expense to average assets | 2.5212% | 4,657 |
| Loan and lease loss provision to assets | 0.0925% | 3,242 |
| Net operating income to assets | 0.6014% | 4,271 |
| Return on assets (ROA) | 0.6146% | 4,389 |
| Pretax return on assets | 0.9703% | 3,634 |
| Return on Equity (ROE) | 7.7166% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.7166% | 1,589 |
| Net charge-offs to loans | 0.0444% | 4,061 |
| Credit loss provision to net charge-offs | 292.4242% | 887 |
| Earnings coverage of net charge-offs (x) | 32.9394% | 1,072 |
| Efficiency ratio | 70.7521% | 3,685 |
| Assets per employee ($millions) | 4.2318% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 6,292 |
| Loan loss allowance to noncurrent loans | 164.7906% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 4,770 |
| Noncurrent loans to loans | 0.5060% | 5,003 |
| Net loans and leases to total assets | 71.4800% | 1,652 |
| Net loans and leases to deposits | 79.5409% | 2,397 |
| Net loans and leases to core deposits | 90.9818% | 1,812 |
| Total domestic deposits to total assets | 89.8657% | 1,106 |
| Equity capital to assets | 7.9672% | 6,220 |
| Core capital (leverage) ratio | 7.8837% | 6,260 |
| Tier 1 risk-based capital ratio | 11.8329% | 5,898 |
| Total risk-based capital ratio | 12.7825% | 6,058 |
| Memoranda: | ||
| Average total assets | $417,182,330 | 1,594 |
| Average earning assets | $389,838,000 | 1,557 |
| Average equity | $33,227,000 | 2,099 |
| Average total loans | $297,408,000 | 1,419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 2,192 |
| Cost of funding earning assets | 1.1561% | 278 |
| Net interest margin | 3.3386% | 4,360 |
| Noninterest income to average assets | 0.4228% | 4,296 |
| Noninterest expense to average assets | 2.5299% | 4,655 |
| Loan and lease loss provision to assets | 0.0951% | 3,078 |
| Net operating income to assets | 0.5707% | 4,358 |
| Return on assets (ROA) | 0.5707% | 4,508 |
| Pretax return on assets | 0.9166% | 3,702 |
| Return on Equity (ROE) | 7.1671% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.1671% | 2,081 |
| Net charge-offs to loans | 0.0515% | 3,314 |
| Credit loss provision to net charge-offs | 260.5263% | 893 |
| Earnings coverage of net charge-offs (x) | 27.7105% | 1,010 |
| Efficiency ratio | 71.4324% | 3,728 |
| Assets per employee ($millions) | 4.7497% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 6,432 |
| Loan loss allowance to noncurrent loans | 110.5999% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 4,351 |
| Noncurrent loans to loans | 0.7381% | 4,656 |
| Net loans and leases to total assets | 71.2735% | 1,479 |
| Net loans and leases to deposits | 79.6394% | 2,129 |
| Net loans and leases to core deposits | 91.8584% | 1,516 |
| Total domestic deposits to total assets | 89.4954% | 1,357 |
| Equity capital to assets | 7.9863% | 6,384 |
| Core capital (leverage) ratio | 7.7882% | 6,303 |
| Tier 1 risk-based capital ratio | 11.5414% | 6,164 |
| Total risk-based capital ratio | 12.4630% | 6,288 |
| Memoranda: | ||
| Average total assets | $416,301,000 | 1,608 |
| Average earning assets | $388,905,500 | 1,573 |
| Average equity | $33,151,500 | 2,118 |
| Average total loans | $295,122,000 | 1,434 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 2,677 |
| Cost of funding earning assets | 1.2991% | 374 |
| Net interest margin | 3.3808% | 4,960 |
| Noninterest income to average assets | 0.4938% | 3,940 |
| Noninterest expense to average assets | 2.5043% | 5,077 |
| Loan and lease loss provision to assets | 0.0740% | 4,799 |
| Net operating income to assets | 0.6784% | 3,839 |
| Return on assets (ROA) | 0.6782% | 4,109 |
| Pretax return on assets | 1.0659% | 3,285 |
| Return on Equity (ROE) | 8.6977% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.6977% | 912 |
| Net charge-offs to loans | 0.1300% | 4,378 |
| Credit loss provision to net charge-offs | 86.4162% | 3,609 |
| Earnings coverage of net charge-offs (x) | 13.3121% | 1,840 |
| Efficiency ratio | 68.7156% | 4,015 |
| Assets per employee ($millions) | 4.7658% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 6,436 |
| Loan loss allowance to noncurrent loans | 117.7833% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 4,408 |
| Noncurrent loans to loans | 0.7003% | 4,786 |
| Net loans and leases to total assets | 69.3383% | 1,966 |
| Net loans and leases to deposits | 77.6098% | 2,584 |
| Net loans and leases to core deposits | 89.6413% | 1,875 |
| Total domestic deposits to total assets | 89.3422% | 1,342 |
| Equity capital to assets | 7.9402% | 6,435 |
| Core capital (leverage) ratio | 7.7293% | 6,386 |
| Tier 1 risk-based capital ratio | 11.5101% | 6,099 |
| Total risk-based capital ratio | 12.4243% | 6,247 |
| Memoranda: | ||
| Average total assets | $403,985,600 | 1,625 |
| Average earning assets | $376,479,000 | 1,586 |
| Average equity | $31,502,600 | 2,169 |
| Average total loans | $266,129,200 | 1,558 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 2,750 |
| Cost of funding earning assets | 1.3263% | 394 |
| Net interest margin | 3.3877% | 5,074 |
| Noninterest income to average assets | 0.4319% | 4,404 |
| Noninterest expense to average assets | 2.4840% | 5,133 |
| Loan and lease loss provision to assets | 0.0937% | 4,420 |
| Net operating income to assets | 0.6432% | 4,182 |
| Return on assets (ROA) | 0.6432% | 4,436 |
| Pretax return on assets | 1.0083% | 3,675 |
| Return on Equity (ROE) | 8.2872% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.2872% | 1,499 |
| Net charge-offs to loans | 0.1927% | 3,576 |
| Credit loss provision to net charge-offs | 75.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 8.8218% | 2,392 |
| Efficiency ratio | 69.2700% | 3,821 |
| Assets per employee ($millions) | 4.6820% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,515 |
| Loan loss allowance to noncurrent loans | 124.4161% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,077 |
| Noncurrent loans to loans | 0.6810% | 5,083 |
| Net loans and leases to total assets | 66.5768% | 2,547 |
| Net loans and leases to deposits | 74.5953% | 3,205 |
| Net loans and leases to core deposits | 86.1576% | 2,443 |
| Total domestic deposits to total assets | 89.2507% | 1,283 |
| Equity capital to assets | 7.8448% | 6,668 |
| Core capital (leverage) ratio | 7.5962% | 6,565 |
| Tier 1 risk-based capital ratio | 11.5784% | 6,182 |
| Total risk-based capital ratio | 12.5159% | 6,342 |
| Memoranda: | ||
| Average total assets | $401,325,750 | 1,645 |
| Average earning assets | $373,660,500 | 1,614 |
| Average equity | $31,147,750 | 2,208 |
| Average total loans | $260,190,250 | 1,602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7340% | 2,779 |
| Cost of funding earning assets | 1.3558% | 417 |
| Net interest margin | 3.3782% | 5,174 |
| Noninterest income to average assets | 0.4445% | 4,335 |
| Noninterest expense to average assets | 2.5553% | 4,941 |
| Loan and lease loss provision to assets | 0.0729% | 4,717 |
| Net operating income to assets | 0.6094% | 4,332 |
| Return on assets (ROA) | 0.6094% | 4,583 |
| Pretax return on assets | 0.9558% | 3,868 |
| Return on Equity (ROE) | 7.8813% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.8813% | 1,680 |
| Net charge-offs to loans | 0.2057% | 3,339 |
| Credit loss provision to net charge-offs | 55.3435% | 3,922 |
| Earnings coverage of net charge-offs (x) | 7.8092% | 2,417 |
| Efficiency ratio | 71.2963% | 3,551 |
| Assets per employee ($millions) | 4.4685% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,478 |
| Loan loss allowance to noncurrent loans | 144.7007% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 5,591 |
| Noncurrent loans to loans | 0.6172% | 5,279 |
| Net loans and leases to total assets | 63.3451% | 3,177 |
| Net loans and leases to deposits | 71.1775% | 3,742 |
| Net loans and leases to core deposits | 81.9172% | 2,969 |
| Total domestic deposits to total assets | 88.9960% | 1,507 |
| Equity capital to assets | 7.6942% | 6,714 |
| Core capital (leverage) ratio | 7.5557% | 6,600 |
| Tier 1 risk-based capital ratio | 11.8593% | 6,023 |
| Total risk-based capital ratio | 12.8537% | 6,147 |
| Memoranda: | ||
| Average total assets | $397,762,330 | 1,665 |
| Average earning assets | $369,667,330 | 1,638 |
| Average equity | $30,756,330 | 2,216 |
| Average total loans | $254,703,330 | 1,636 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 3,267 |
| Cost of funding earning assets | 1.3929% | 438 |
| Net interest margin | 3.2571% | 5,615 |
| Noninterest income to average assets | 0.4109% | 4,585 |
| Noninterest expense to average assets | 2.5943% | 4,838 |
| Loan and lease loss provision to assets | 0.1017% | 4,064 |
| Net operating income to assets | 0.4902% | 4,873 |
| Return on assets (ROA) | 0.4902% | 5,075 |
| Pretax return on assets | 0.7373% | 4,662 |
| Return on Equity (ROE) | 6.3232% | 4,129 |
| Retained earnings to average equity (ytd only) | 6.3232% | 2,787 |
| Net charge-offs to loans | 0.2364% | 2,748 |
| Credit loss provision to net charge-offs | 67.1141% | 2,974 |
| Earnings coverage of net charge-offs (x) | 5.5369% | 2,348 |
| Efficiency ratio | 75.5628% | 2,845 |
| Assets per employee ($millions) | 4.4974% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,437 |
| Loan loss allowance to noncurrent loans | 113.5996% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 5,354 |
| Noncurrent loans to loans | 0.8303% | 5,011 |
| Net loans and leases to total assets | 62.6852% | 3,126 |
| Net loans and leases to deposits | 70.5763% | 3,643 |
| Net loans and leases to core deposits | 80.8163% | 2,968 |
| Total domestic deposits to total assets | 88.8190% | 1,807 |
| Equity capital to assets | 7.7149% | 6,685 |
| Core capital (leverage) ratio | 7.5802% | 6,578 |
| Tier 1 risk-based capital ratio | 12.0016% | 5,965 |
| Total risk-based capital ratio | 13.0349% | 6,079 |
| Memoranda: | ||
| Average total assets | $393,327,000 | 1,689 |
| Average earning assets | $364,982,000 | 1,663 |
| Average equity | $30,491,000 | 2,233 |
| Average total loans | $252,103,500 | 1,643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 3,581 |
| Cost of funding earning assets | 1.5284% | 640 |
| Net interest margin | 3.3229% | 5,745 |
| Noninterest income to average assets | 0.3994% | 4,619 |
| Noninterest expense to average assets | 2.7635% | 4,496 |
| Loan and lease loss provision to assets | 0.4690% | 2,256 |
| Net operating income to assets | 0.1895% | 5,621 |
| Return on assets (ROA) | 0.1804% | 5,784 |
| Pretax return on assets | 0.2460% | 5,679 |
| Return on Equity (ROE) | 2.2521% | 5,560 |
| Retained earnings to average equity (ytd only) | 1.4266% | 5,186 |
| Net charge-offs to loans | 0.8220% | 2,104 |
| Credit loss provision to net charge-offs | 88.8277% | 4,065 |
| Earnings coverage of net charge-offs (x) | 1.3778% | 4,740 |
| Efficiency ratio | 79.1635% | 2,418 |
| Assets per employee ($millions) | 4.3908% | 3,082 |
| Cash dividends to net income (ytd only)* | 36.6569% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,330 |
| Loan loss allowance to noncurrent loans | 77.3723% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.1463% | 2,792 |
| Noncurrent loans to loans | 1.2558% | 4,270 |
| Net loans and leases to total assets | 64.3065% | 3,120 |
| Net loans and leases to deposits | 73.0025% | 3,663 |
| Net loans and leases to core deposits | 83.0180% | 3,019 |
| Total domestic deposits to total assets | 88.0881% | 2,098 |
| Equity capital to assets | 7.7906% | 6,692 |
| Core capital (leverage) ratio | 7.5736% | 6,611 |
| Tier 1 risk-based capital ratio | 11.6080% | 6,087 |
| Total risk-based capital ratio | 12.6509% | 6,213 |
| Memoranda: | ||
| Average total assets | $378,074,600 | 1,717 |
| Average earning assets | $351,740,400 | 1,687 |
| Average equity | $30,282,800 | 2,175 |
| Average total loans | $242,819,800 | 1,724 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 3,681 |
| Cost of funding earning assets | 1.5452% | 731 |
| Net interest margin | 3.3248% | 5,785 |
| Noninterest income to average assets | 0.3645% | 4,953 |
| Noninterest expense to average assets | 2.7819% | 4,410 |
| Loan and lease loss provision to assets | 0.1277% | 4,835 |
| Net operating income to assets | 0.3857% | 5,059 |
| Return on assets (ROA) | 0.4035% | 5,167 |
| Pretax return on assets | 0.5840% | 4,868 |
| Return on Equity (ROE) | 5.0030% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.9039% | 3,942 |
| Net charge-offs to loans | 0.3156% | 3,522 |
| Credit loss provision to net charge-offs | 63.1579% | 4,702 |
| Earnings coverage of net charge-offs (x) | 3.3930% | 3,451 |
| Efficiency ratio | 80.2229% | 2,227 |
| Assets per employee ($millions) | 4.2152% | 3,417 |
| Cash dividends to net income (ytd only)* | 21.9686% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,300 |
| Loan loss allowance to noncurrent loans | 148.8160% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 2.1647% | 2,948 |
| Noncurrent loans to loans | 0.6683% | 5,547 |
| Net loans and leases to total assets | 64.3147% | 3,248 |
| Net loans and leases to deposits | 73.2402% | 3,774 |
| Net loans and leases to core deposits | 83.2635% | 3,152 |
| Total domestic deposits to total assets | 87.8134% | 2,158 |
| Equity capital to assets | 8.0284% | 6,681 |
| Core capital (leverage) ratio | 7.8130% | 6,549 |
| Tier 1 risk-based capital ratio | 12.0320% | 5,871 |
| Total risk-based capital ratio | 13.0923% | 5,992 |
| Memoranda: | ||
| Average total assets | $375,996,500 | 1,732 |
| Average earning assets | $350,926,750 | 1,695 |
| Average equity | $30,328,000 | 2,177 |
| Average total loans | $240,797,250 | 1,752 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 3,532 |
| Cost of funding earning assets | 1.5613% | 808 |
| Net interest margin | 3.3587% | 5,687 |
| Noninterest income to average assets | 0.3446% | 5,124 |
| Noninterest expense to average assets | 2.6836% | 4,887 |
| Loan and lease loss provision to assets | 0.1659% | 4,275 |
| Net operating income to assets | 0.4466% | 4,736 |
| Return on assets (ROA) | 0.4466% | 4,876 |
| Pretax return on assets | 0.6456% | 4,587 |
| Return on Equity (ROE) | 5.5275% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.5275% | 2,679 |
| Net charge-offs to loans | 0.1724% | 4,139 |
| Credit loss provision to net charge-offs | 150.9709% | 2,022 |
| Earnings coverage of net charge-offs (x) | 7.3835% | 2,231 |
| Efficiency ratio | 76.7822% | 2,889 |
| Assets per employee ($millions) | 4.2677% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,868 |
| Loan loss allowance to noncurrent loans | 55.1435% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.3100% | 2,849 |
| Noncurrent loans to loans | 2.0332% | 3,438 |
| Net loans and leases to total assets | 64.2234% | 3,413 |
| Net loans and leases to deposits | 73.4990% | 3,877 |
| Net loans and leases to core deposits | 82.9211% | 3,374 |
| Total domestic deposits to total assets | 87.3800% | 2,534 |
| Equity capital to assets | 8.1026% | 6,596 |
| Core capital (leverage) ratio | 7.8282% | 6,485 |
| Tier 1 risk-based capital ratio | 12.2666% | 5,551 |
| Total risk-based capital ratio | 13.4643% | 5,580 |
| Memoranda: | ||
| Average total assets | $374,873,330 | 1,744 |
| Average earning assets | $351,622,000 | 1,703 |
| Average equity | $30,285,000 | 2,168 |
| Average total loans | $238,916,670 | 1,785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,465 |
| Cost of funding earning assets | 1.6057% | 799 |
| Net interest margin | 3.3167% | 5,717 |
| Noninterest income to average assets | 0.3598% | 5,029 |
| Noninterest expense to average assets | 2.6961% | 4,851 |
| Loan and lease loss provision to assets | 0.1847% | 3,760 |
| Net operating income to assets | 0.4017% | 4,939 |
| Return on assets (ROA) | 0.4017% | 5,025 |
| Pretax return on assets | 0.5897% | 4,726 |
| Return on Equity (ROE) | 4.9801% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.9801% | 3,207 |
| Net charge-offs to loans | 0.1787% | 3,423 |
| Credit loss provision to net charge-offs | 163.8095% | 1,769 |
| Earnings coverage of net charge-offs (x) | 6.8667% | 2,035 |
| Efficiency ratio | 77.6849% | 2,898 |
| Assets per employee ($millions) | 4.2704% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,889 |
| Loan loss allowance to noncurrent loans | 68.9237% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 3,328 |
| Noncurrent loans to loans | 1.6532% | 3,999 |
| Net loans and leases to total assets | 62.9838% | 3,666 |
| Net loans and leases to deposits | 74.4095% | 3,698 |
| Net loans and leases to core deposits | 82.1342% | 3,435 |
| Total domestic deposits to total assets | 84.6449% | 4,208 |
| Equity capital to assets | 8.0312% | 6,463 |
| Core capital (leverage) ratio | 7.7932% | 6,469 |
| Tier 1 risk-based capital ratio | 12.0415% | 5,649 |
| Total risk-based capital ratio | 13.2155% | 5,713 |
| Memoranda: | ||
| Average total assets | $372,396,500 | 1,775 |
| Average earning assets | $349,258,500 | 1,720 |
| Average equity | $30,039,500 | 2,172 |
| Average total loans | $235,023,000 | 1,829 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 4,940 |
| Cost of funding earning assets | 1.8182% | 1,100 |
| Net interest margin | 3.0964% | 6,531 |
| Noninterest income to average assets | 0.4006% | 4,906 |
| Noninterest expense to average assets | 2.4692% | 5,894 |
| Loan and lease loss provision to assets | 0.0849% | 6,302 |
| Net operating income to assets | 0.5288% | 3,971 |
| Return on assets (ROA) | 0.5605% | 4,004 |
| Pretax return on assets | 0.8047% | 3,614 |
| Return on Equity (ROE) | 7.3215% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.3215% | 1,198 |
| Net charge-offs to loans | 0.0697% | 6,105 |
| Credit loss provision to net charge-offs | 218.3673% | 1,377 |
| Earnings coverage of net charge-offs (x) | 21.7075% | 957 |
| Efficiency ratio | 74.5169% | 3,291 |
| Assets per employee ($millions) | 4.2413% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,718 |
| Loan loss allowance to noncurrent loans | 67.8827% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0206% | 3,325 |
| Noncurrent loans to loans | 1.6997% | 3,959 |
| Net loans and leases to total assets | 61.7800% | 4,327 |
| Net loans and leases to deposits | 72.6732% | 4,400 |
| Net loans and leases to core deposits | 80.4067% | 4,154 |
| Total domestic deposits to total assets | 85.0106% | 3,845 |
| Equity capital to assets | 8.1025% | 6,380 |
| Core capital (leverage) ratio | 7.7141% | 6,535 |
| Tier 1 risk-based capital ratio | 12.1008% | 5,385 |
| Total risk-based capital ratio | 13.2675% | 5,439 |
| Memoranda: | ||
| Average total assets | $377,898,600 | 1,745 |
| Average earning assets | $355,513,400 | 1,687 |
| Average equity | $28,928,600 | 2,249 |
| Average total loans | $210,994,200 | 2,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 5,362 |
| Cost of funding earning assets | 1.8506% | 1,211 |
| Net interest margin | 3.0291% | 6,769 |
| Noninterest income to average assets | 0.3725% | 5,170 |
| Noninterest expense to average assets | 2.4353% | 5,928 |
| Loan and lease loss provision to assets | 0.0551% | 6,519 |
| Net operating income to assets | 0.5035% | 4,299 |
| Return on assets (ROA) | 0.4991% | 4,511 |
| Pretax return on assets | 0.7275% | 4,153 |
| Return on Equity (ROE) | 6.6139% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.6139% | 2,034 |
| Net charge-offs to loans | 0.0828% | 5,701 |
| Credit loss provision to net charge-offs | 122.6563% | 3,351 |
| Earnings coverage of net charge-offs (x) | 17.5705% | 1,319 |
| Efficiency ratio | 75.5331% | 3,032 |
| Assets per employee ($millions) | 4.5811% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,892 |
| Loan loss allowance to noncurrent loans | 59.8620% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.9590% | 3,525 |
| Noncurrent loans to loans | 1.8575% | 3,858 |
| Net loans and leases to total assets | 56.7940% | 5,442 |
| Net loans and leases to deposits | 69.8711% | 5,166 |
| Net loans and leases to core deposits | 77.0160% | 4,917 |
| Total domestic deposits to total assets | 81.2840% | 5,269 |
| Equity capital to assets | 7.5064% | 7,126 |
| Core capital (leverage) ratio | 7.4250% | 6,905 |
| Tier 1 risk-based capital ratio | 11.5784% | 5,853 |
| Total risk-based capital ratio | 12.6935% | 5,966 |
| Memoranda: | ||
| Average total assets | $380,124,500 | 1,751 |
| Average earning assets | $357,847,500 | 1,695 |
| Average equity | $28,686,250 | 2,295 |
| Average total loans | $206,086,250 | 2,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 5,191 |
| Cost of funding earning assets | 1.9158% | 1,181 |
| Net interest margin | 3.0316% | 6,767 |
| Noninterest income to average assets | 0.3281% | 5,532 |
| Noninterest expense to average assets | 2.4665% | 5,854 |
| Loan and lease loss provision to assets | -0.0362% | 7,754 |
| Net operating income to assets | 0.5169% | 4,253 |
| Return on assets (ROA) | 0.4937% | 4,515 |
| Pretax return on assets | 0.7164% | 4,178 |
| Return on Equity (ROE) | 6.5303% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.5303% | 2,063 |
| Net charge-offs to loans | 0.0351% | 5,863 |
| Credit loss provision to net charge-offs | -194.2857% | 6,719 |
| Earnings coverage of net charge-offs (x) | 38.2857% | 756 |
| Efficiency ratio | 77.5582% | 2,800 |
| Assets per employee ($millions) | 4.4523% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,727 |
| Loan loss allowance to noncurrent loans | 179.6534% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 6,378 |
| Noncurrent loans to loans | 0.6361% | 5,976 |
| Net loans and leases to total assets | 54.4923% | 5,918 |
| Net loans and leases to deposits | 65.7097% | 5,842 |
| Net loans and leases to core deposits | 72.1959% | 5,649 |
| Total domestic deposits to total assets | 82.9289% | 4,602 |
| Equity capital to assets | 7.6698% | 7,011 |
| Core capital (leverage) ratio | 7.3473% | 6,962 |
| Tier 1 risk-based capital ratio | 12.1137% | 5,207 |
| Total risk-based capital ratio | 13.2047% | 5,316 |
| Memoranda: | ||
| Average total assets | $375,508,330 | 1,786 |
| Average earning assets | $353,281,330 | 1,728 |
| Average equity | $28,390,670 | 2,310 |
| Average total loans | $199,358,670 | 2,223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 5,017 |
| Cost of funding earning assets | 2.0054% | 1,066 |
| Net interest margin | 2.9951% | 6,835 |
| Noninterest income to average assets | 0.3572% | 5,280 |
| Noninterest expense to average assets | 2.5206% | 5,654 |
| Loan and lease loss provision to assets | -0.1219% | 7,873 |
| Net operating income to assets | 0.5351% | 4,210 |
| Return on assets (ROA) | 0.5026% | 4,524 |
| Pretax return on assets | 0.7304% | 4,119 |
| Return on Equity (ROE) | 6.6968% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.6968% | 2,275 |
| Net charge-offs to loans | -0.0226% | 7,104 |
| Credit loss provision to net charge-offs | 1,036.3636% | 448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3603% | 2,661 |
| Assets per employee ($millions) | 4.4085% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,459 |
| Loan loss allowance to noncurrent loans | 172.8789% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 6,439 |
| Noncurrent loans to loans | 0.6991% | 5,934 |
| Net loans and leases to total assets | 52.0058% | 6,272 |
| Net loans and leases to deposits | 63.3589% | 6,128 |
| Net loans and leases to core deposits | 69.3457% | 5,969 |
| Total domestic deposits to total assets | 82.0813% | 5,044 |
| Equity capital to assets | 7.5843% | 7,007 |
| Core capital (leverage) ratio | 7.1737% | 7,127 |
| Tier 1 risk-based capital ratio | 12.2753% | 4,919 |
| Total risk-based capital ratio | 13.4522% | 4,966 |
| Memoranda: | ||
| Average total assets | $374,039,500 | 1,834 |
| Average earning assets | $352,044,500 | 1,771 |
| Average equity | $28,073,000 | 2,369 |
| Average total loans | $194,734,000 | 2,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4974% | 4,157 |
| Cost of funding earning assets | 2.2943% | 1,683 |
| Net interest margin | 3.2031% | 6,079 |
| Noninterest income to average assets | 0.4029% | 5,177 |
| Noninterest expense to average assets | 2.7158% | 5,315 |
| Loan and lease loss provision to assets | 0.0842% | 6,768 |
| Net operating income to assets | 0.2874% | 4,584 |
| Return on assets (ROA) | 0.0410% | 5,416 |
| Pretax return on assets | 0.2420% | 4,908 |
| Return on Equity (ROE) | 0.5384% | 5,373 |
| Retained earnings to average equity (ytd only) | 0.5384% | 4,604 |
| Net charge-offs to loans | -0.3449% | 7,934 |
| Credit loss provision to net charge-offs | -46.1295% | 7,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2477% | 3,001 |
| Assets per employee ($millions) | 4.6094% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,802 |
| Loan loss allowance to noncurrent loans | 241.9261% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 6,750 |
| Noncurrent loans to loans | 0.5348% | 6,179 |
| Net loans and leases to total assets | 50.8146% | 6,548 |
| Net loans and leases to deposits | 62.4849% | 6,414 |
| Net loans and leases to core deposits | 84.7029% | 5,656 |
| Total domestic deposits to total assets | 81.3231% | 5,222 |
| Equity capital to assets | 7.4261% | 7,102 |
| Core capital (leverage) ratio | 6.9697% | 7,267 |
| Tier 1 risk-based capital ratio | 12.9887% | 4,153 |
| Total risk-based capital ratio | 14.2362% | 4,101 |
| Memoranda: | ||
| Average total assets | $346,747,800 | 1,968 |
| Average earning assets | $327,371,800 | 1,902 |
| Average equity | $26,375,000 | 2,499 |
| Average total loans | $183,542,600 | 2,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 4,049 |
| Cost of funding earning assets | 2.3371% | 1,852 |
| Net interest margin | 3.2310% | 5,914 |
| Noninterest income to average assets | 0.4175% | 5,152 |
| Noninterest expense to average assets | 2.8227% | 4,801 |
| Loan and lease loss provision to assets | 0.0898% | 6,473 |
| Net operating income to assets | 0.3828% | 4,467 |
| Return on assets (ROA) | 0.2995% | 4,895 |
| Pretax return on assets | 0.4367% | 4,699 |
| Return on Equity (ROE) | 3.9122% | 4,408 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,100 |
| Net charge-offs to loans | -0.3389% | 8,003 |
| Credit loss provision to net charge-offs | -49.6746% | 7,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3467% | 2,670 |
| Assets per employee ($millions) | 4.4693% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,125 |
| Loan loss allowance to noncurrent loans | 271.6526% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,675 |
| Noncurrent loans to loans | 0.4411% | 6,449 |
| Net loans and leases to total assets | 51.2991% | 6,676 |
| Net loans and leases to deposits | 64.3056% | 6,468 |
| Net loans and leases to core deposits | 85.0058% | 5,965 |
| Total domestic deposits to total assets | 79.7740% | 5,529 |
| Equity capital to assets | 7.6260% | 7,209 |
| Core capital (leverage) ratio | 7.4863% | 6,996 |
| Tier 1 risk-based capital ratio | 13.5733% | 3,795 |
| Total risk-based capital ratio | 14.7325% | 3,799 |
| Memoranda: | ||
| Average total assets | $340,095,000 | 2,018 |
| Average earning assets | $321,296,750 | 1,953 |
| Average equity | $26,037,250 | 2,554 |
| Average total loans | $181,376,250 | 2,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6841% | 3,641 |
| Cost of funding earning assets | 2.3873% | 2,016 |
| Net interest margin | 3.2968% | 5,570 |
| Noninterest income to average assets | 0.4279% | 5,056 |
| Noninterest expense to average assets | 2.7242% | 5,280 |
| Loan and lease loss provision to assets | 0.1376% | 5,699 |
| Net operating income to assets | 0.4503% | 4,287 |
| Return on assets (ROA) | 0.3834% | 4,673 |
| Pretax return on assets | 0.5727% | 4,396 |
| Return on Equity (ROE) | 5.0012% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.0012% | 2,503 |
| Net charge-offs to loans | 0.0502% | 5,778 |
| Credit loss provision to net charge-offs | 508.8889% | 906 |
| Earnings coverage of net charge-offs (x) | 29.9556% | 1,000 |
| Efficiency ratio | 77.0787% | 3,496 |
| Assets per employee ($millions) | 4.2747% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,661 |
| Loan loss allowance to noncurrent loans | 118.1326% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 6,413 |
| Noncurrent loans to loans | 0.7855% | 5,663 |
| Net loans and leases to total assets | 53.1821% | 6,551 |
| Net loans and leases to deposits | 68.1666% | 6,172 |
| Net loans and leases to core deposits | 87.5292% | 5,764 |
| Total domestic deposits to total assets | 78.0177% | 6,070 |
| Equity capital to assets | 7.6179% | 7,160 |
| Core capital (leverage) ratio | 7.6600% | 6,813 |
| Tier 1 risk-based capital ratio | 13.7643% | 3,644 |
| Total risk-based capital ratio | 14.6904% | 3,792 |
| Memoranda: | ||
| Average total assets | $332,790,000 | 2,091 |
| Average earning assets | $313,576,330 | 2,031 |
| Average equity | $25,514,000 | 2,598 |
| Average total loans | $179,181,670 | 2,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 3,653 |
| Cost of funding earning assets | 2.4189% | 2,215 |
| Net interest margin | 3.3096% | 5,463 |
| Noninterest income to average assets | 0.3581% | 5,581 |
| Noninterest expense to average assets | 2.5562% | 5,626 |
| Loan and lease loss provision to assets | 0.1383% | 5,197 |
| Net operating income to assets | 0.5192% | 4,344 |
| Return on assets (ROA) | 0.4977% | 4,619 |
| Pretax return on assets | 0.7471% | 4,266 |
| Return on Equity (ROE) | 6.4688% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.4688% | 2,431 |
| Net charge-offs to loans | 0.0412% | 4,912 |
| Credit loss provision to net charge-offs | 622.2222% | 916 |
| Earnings coverage of net charge-offs (x) | 41.2778% | 823 |
| Efficiency ratio | 73.5869% | 3,901 |
| Assets per employee ($millions) | 4.2494% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,615 |
| Loan loss allowance to noncurrent loans | 110.4736% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 6,158 |
| Noncurrent loans to loans | 0.8398% | 5,342 |
| Net loans and leases to total assets | 52.6787% | 6,618 |
| Net loans and leases to deposits | 67.6836% | 6,213 |
| Net loans and leases to core deposits | 88.4865% | 5,694 |
| Total domestic deposits to total assets | 77.8309% | 6,069 |
| Equity capital to assets | 7.4560% | 7,389 |
| Core capital (leverage) ratio | 7.8874% | 6,641 |
| Tier 1 risk-based capital ratio | 13.7876% | 3,704 |
| Total risk-based capital ratio | 14.6881% | 3,821 |
| Memoranda: | ||
| Average total assets | $323,921,000 | 2,142 |
| Average earning assets | $304,932,000 | 2,092 |
| Average equity | $24,919,500 | 2,658 |
| Average total loans | $174,690,500 | 2,658 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9269% | 5,912 |
| Cost of funding earning assets | 2.6912% | 3,199 |
| Net interest margin | 3.2357% | 6,257 |
| Noninterest income to average assets | 0.3226% | 6,144 |
| Noninterest expense to average assets | 2.7587% | 5,011 |
| Loan and lease loss provision to assets | 0.0544% | 6,734 |
| Net operating income to assets | 0.3544% | 5,336 |
| Return on assets (ROA) | 0.3485% | 5,170 |
| Pretax return on assets | 0.5217% | 4,921 |
| Return on Equity (ROE) | 4.2890% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.2890% | 2,446 |
| Net charge-offs to loans | 0.0884% | 5,481 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 11.9487% | 2,311 |
| Efficiency ratio | 82.5075% | 2,236 |
| Assets per employee ($millions) | 4.8022% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 6,597 |
| Loan loss allowance to noncurrent loans | 130.2752% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 6,091 |
| Noncurrent loans to loans | 0.7017% | 5,276 |
| Net loans and leases to total assets | 54.2447% | 6,631 |
| Net loans and leases to deposits | 72.2022% | 6,039 |
| Net loans and leases to core deposits | 91.3017% | 5,693 |
| Total domestic deposits to total assets | 75.1289% | 6,423 |
| Equity capital to assets | 7.9480% | 6,909 |
| Core capital (leverage) ratio | 8.1659% | 6,229 |
| Tier 1 risk-based capital ratio | 14.6113% | 3,251 |
| Total risk-based capital ratio | 15.5113% | 3,338 |
| Memoranda: | ||
| Average total assets | $239,026,200 | 2,665 |
| Average earning assets | $223,168,600 | 2,622 |
| Average equity | $19,421,800 | 3,318 |
| Average total loans | $132,357,200 | 3,231 |