Home > North Easton Savings Bank > Performance and Condition Ratios
North Easton Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 3,345 |
| Cost of funding earning assets | 1.5194% | 1,894 |
| Net interest margin | 2.8404% | 3,587 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.5097% | 2,268 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4680% | 3,738 |
| Return on assets (ROA) | 0.4745% | 3,722 |
| Pretax return on assets | 0.5842% | 3,666 |
| Return on Equity (ROE) | 5.4000% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.3998% | 2,447 |
| Net charge-offs to loans | -0.0010% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.2188% | 1,055 |
| Assets per employee ($millions) | 8.9495% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4370% | 4,370 |
| Loan loss allowance to noncurrent loans | 146.0169% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 2,092 |
| Noncurrent loans to loans | 0.2993% | 2,110 |
| Net loans and leases to total assets | 75.2000% | 1,214 |
| Net loans and leases to deposits | 86.8375% | 1,550 |
| Net loans and leases to core deposits | 91.3154% | 1,964 |
| Total domestic deposits to total assets | 86.6000% | 1,820 |
| Equity capital to assets | 8.9205% | 2,730 |
| Core capital (leverage) ratio | 8.6404% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5677% | 2,037 |
| Memoranda: | ||
| Average total assets | $1,534,248,600 | 704 |
| Average earning assets | $1,415,989,200 | 697 |
| Average equity | $134,820,600 | 733 |
| Average total loans | $1,118,410,600 | 666 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 3,382 |
| Cost of funding earning assets | 1.3954% | 1,879 |
| Net interest margin | 2.8496% | 3,642 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4923% | 2,256 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4738% | 3,816 |
| Return on assets (ROA) | 0.4783% | 3,812 |
| Pretax return on assets | 0.5829% | 3,764 |
| Return on Equity (ROE) | 5.4600% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.4640% | 2,788 |
| Net charge-offs to loans | -0.0010% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.4969% | 1,045 |
| Assets per employee ($millions) | 9.2133% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 4,385 |
| Loan loss allowance to noncurrent loans | 317.6543% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 2,895 |
| Noncurrent loans to loans | 0.1381% | 2,863 |
| Net loans and leases to total assets | 73.7000% | 1,376 |
| Net loans and leases to deposits | 83.6707% | 1,766 |
| Net loans and leases to core deposits | 88.7356% | 2,010 |
| Total domestic deposits to total assets | 88.0800% | 1,537 |
| Equity capital to assets | 8.6709% | 2,614 |
| Core capital (leverage) ratio | 8.5830% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4745% | 2,086 |
| Memoranda: | ||
| Average total assets | $1,526,269,500 | 712 |
| Average earning assets | $1,407,392,000 | 700 |
| Average equity | $133,598,250 | 734 |
| Average total loans | $1,102,286,000 | 673 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 72,306.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 128,978.0000% | 12 |
| Cost of funding earning assets | 623.0000% | 4 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.4283% | 3,951 |
| Pretax return on assets | 0.5082% | 3,952 |
| Return on Equity (ROE) | 4.8700% | 3,893 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0004% | 2,443 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 1.9572% | 4,622 |
| Assets per employee ($millions) | 1.0232% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 137 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 34,018.0000% | 16 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $864,000 | 4,654 |
| Average earning assets | $6,874 | 4,617 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 3,584 |
| Cost of funding earning assets | 0.9790% | 2,114 |
| Net interest margin | 2.9619% | 3,672 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.6114% | 1,916 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.4069% | 4,079 |
| Return on assets (ROA) | 0.4085% | 4,023 |
| Pretax return on assets | 0.4844% | 4,013 |
| Return on Equity (ROE) | 4.6500% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.6543% | 3,102 |
| Net charge-offs to loans | 0.0004% | 2,055 |
| Credit loss provision to net charge-offs | 40,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 2,133.0000% | 39 |
| Efficiency ratio | 79.7474% | 852 |
| Assets per employee ($millions) | 9.0268% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4324% | 4,482 |
| Loan loss allowance to noncurrent loans | 277.7511% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 2,760 |
| Noncurrent loans to loans | 0.1557% | 2,711 |
| Net loans and leases to total assets | 69.7200% | 1,653 |
| Net loans and leases to deposits | 79.4714% | 1,855 |
| Net loans and leases to core deposits | 82.5392% | 2,087 |
| Total domestic deposits to total assets | 87.7300% | 2,015 |
| Equity capital to assets | 8.7549% | 2,691 |
| Core capital (leverage) ratio | 8.7932% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2879% | 1,867 |
| Memoranda: | ||
| Average total assets | $1,492,249,000 | 725 |
| Average earning assets | $1,376,937,500 | 714 |
| Average equity | $130,975,000 | 756 |
| Average total loans | $1,066,438,500 | 688 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 3,127 |
| Cost of funding earning assets | 0.3610% | 2,391 |
| Net interest margin | 3.1217% | 3,108 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.3945% | 2,440 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8220% | 3,247 |
| Return on assets (ROA) | 0.7970% | 3,265 |
| Pretax return on assets | 0.9665% | 3,170 |
| Return on Equity (ROE) | 8.8700% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.8722% | 1,520 |
| Net charge-offs to loans | -0.0010% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.9050% | 2,098 |
| Assets per employee ($millions) | 8.4333% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 4,210 |
| Loan loss allowance to noncurrent loans | 357.5481% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 2,538 |
| Noncurrent loans to loans | 0.1954% | 2,501 |
| Net loans and leases to total assets | 72.4600% | 1,363 |
| Net loans and leases to deposits | 80.7615% | 1,714 |
| Net loans and leases to core deposits | 81.9013% | 2,011 |
| Total domestic deposits to total assets | 89.7200% | 1,475 |
| Equity capital to assets | 8.8002% | 2,492 |
| Core capital (leverage) ratio | 8.7874% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2924% | 1,850 |
| Memoranda: | ||
| Average total assets | $1,415,381,000 | 736 |
| Average earning assets | $1,306,171,800 | 729 |
| Average equity | $127,138,200 | 778 |
| Average total loans | $1,035,035,200 | 660 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 2,993 |
| Cost of funding earning assets | 0.2604% | 2,599 |
| Net interest margin | 3.1087% | 2,905 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.2264% | 2,857 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9388% | 2,716 |
| Return on assets (ROA) | 0.9040% | 2,828 |
| Pretax return on assets | 1.0968% | 2,735 |
| Return on Equity (ROE) | 10.0100% | 2,719 |
| Retained earnings to average equity (ytd only) | 10.0115% | 1,336 |
| Net charge-offs to loans | -0.0012% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4817% | 2,767 |
| Assets per employee ($millions) | 8.4483% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 4,274 |
| Loan loss allowance to noncurrent loans | 662.8809% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,129 |
| Noncurrent loans to loans | 0.1037% | 3,138 |
| Net loans and leases to total assets | 73.9900% | 1,095 |
| Net loans and leases to deposits | 82.9499% | 1,370 |
| Net loans and leases to core deposits | 84.7940% | 1,602 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 9.0295% | 2,195 |
| Core capital (leverage) ratio | 8.8242% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2597% | 1,954 |
| Memoranda: | ||
| Average total assets | $1,404,484,000 | 749 |
| Average earning assets | $1,296,461,500 | 741 |
| Average equity | $126,824,750 | 788 |
| Average total loans | $1,027,643,500 | 666 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2688% | 2,838 |
| Cost of funding earning assets | 0.2165% | 2,688 |
| Net interest margin | 3.0524% | 2,710 |
| Noninterest income to average assets | 0.5776% | 1,837 |
| Noninterest expense to average assets | 2.6511% | 1,501 |
| Loan and lease loss provision to assets | 0.0823% | 1,197 |
| Net operating income to assets | 0.6327% | 3,531 |
| Return on assets (ROA) | 0.6046% | 3,564 |
| Pretax return on assets | 0.6347% | 3,741 |
| Return on Equity (ROE) | 6.6956% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.6956% | 2,093 |
| Net charge-offs to loans | -0.0006% | 2,991 |
| Credit loss provision to net charge-offs | -19,266.6667% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5310% | 1,329 |
| Assets per employee ($millions) | 8.0456% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 4,368 |
| Loan loss allowance to noncurrent loans | 690.1271% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,247 |
| Noncurrent loans to loans | 0.0983% | 3,269 |
| Net loans and leases to total assets | 73.4491% | 957 |
| Net loans and leases to deposits | 81.9818% | 1,244 |
| Net loans and leases to core deposits | 83.6601% | 1,474 |
| Total domestic deposits to total assets | 89.5920% | 1,899 |
| Equity capital to assets | 8.6873% | 2,622 |
| Core capital (leverage) ratio | 8.4182% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8101% | 2,152 |
| Memoranda: | ||
| Average total assets | $1,405,171,333 | 740 |
| Average earning assets | $1,298,195,000 | 741 |
| Average equity | $126,889,333 | 793 |
| Average total loans | $1,021,919,667 | 663 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1831% | 2,737 |
| Cost of funding earning assets | 0.2138% | 2,615 |
| Net interest margin | 2.9693% | 2,603 |
| Noninterest income to average assets | 0.5813% | 1,777 |
| Noninterest expense to average assets | 2.4087% | 2,130 |
| Loan and lease loss provision to assets | 0.0564% | 1,377 |
| Net operating income to assets | 0.6769% | 3,135 |
| Return on assets (ROA) | 0.6862% | 3,096 |
| Pretax return on assets | 0.8742% | 2,877 |
| Return on Equity (ROE) | 7.4565% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.4565% | 1,747 |
| Net charge-offs to loans | -0.0008% | 2,998 |
| Credit loss provision to net charge-offs | -9,900.0000% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7208% | 2,268 |
| Assets per employee ($millions) | 7.7050% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 4,455 |
| Loan loss allowance to noncurrent loans | 558.4448% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,226 |
| Noncurrent loans to loans | 0.1172% | 3,240 |
| Net loans and leases to total assets | 71.8808% | 845 |
| Net loans and leases to deposits | 79.9954% | 1,147 |
| Net loans and leases to core deposits | 82.0388% | 1,349 |
| Total domestic deposits to total assets | 89.8561% | 1,655 |
| Equity capital to assets | 9.0109% | 2,700 |
| Core capital (leverage) ratio | 8.3789% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8816% | 2,265 |
| Memoranda: | ||
| Average total assets | $1,403,764,500 | 743 |
| Average earning assets | $1,298,365,500 | 746 |
| Average equity | $129,176,000 | 798 |
| Average total loans | $1,012,273,000 | 659 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 3,233 |
| Cost of funding earning assets | 0.2914% | 2,490 |
| Net interest margin | 3.0014% | 3,188 |
| Noninterest income to average assets | 0.7079% | 1,738 |
| Noninterest expense to average assets | 2.7282% | 1,554 |
| Loan and lease loss provision to assets | 0.1219% | 1,013 |
| Net operating income to assets | 0.5175% | 4,045 |
| Return on assets (ROA) | 0.6138% | 3,888 |
| Pretax return on assets | 0.7455% | 3,847 |
| Return on Equity (ROE) | 6.4523% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.4523% | 2,156 |
| Net charge-offs to loans | 0.0025% | 2,534 |
| Credit loss provision to net charge-offs | 7,082.6087% | 102 |
| Earnings coverage of net charge-offs (x) | 435.8696% | 309 |
| Efficiency ratio | 75.6490% | 1,136 |
| Assets per employee ($millions) | 7.5541% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 4,497 |
| Loan loss allowance to noncurrent loans | 536.3411% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 3,338 |
| Noncurrent loans to loans | 0.1203% | 3,330 |
| Net loans and leases to total assets | 71.4024% | 890 |
| Net loans and leases to deposits | 80.0522% | 1,211 |
| Net loans and leases to core deposits | 82.2561% | 1,445 |
| Total domestic deposits to total assets | 89.1948% | 1,418 |
| Equity capital to assets | 9.3950% | 3,230 |
| Core capital (leverage) ratio | 8.3550% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8882% | 2,282 |
| Memoranda: | ||
| Average total assets | $1,336,771,200 | 749 |
| Average earning assets | $1,233,837,200 | 752 |
| Average equity | $127,164,200 | 816 |
| Average total loans | $911,174,600 | 717 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2991% | 3,392 |
| Cost of funding earning assets | 0.3073% | 2,527 |
| Net interest margin | 2.9918% | 3,329 |
| Noninterest income to average assets | 0.7375% | 1,707 |
| Noninterest expense to average assets | 2.7697% | 1,411 |
| Loan and lease loss provision to assets | 0.1124% | 1,073 |
| Net operating income to assets | 0.5067% | 4,188 |
| Return on assets (ROA) | 0.6269% | 4,011 |
| Pretax return on assets | 0.7613% | 3,954 |
| Return on Equity (ROE) | 6.5687% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.5687% | 2,590 |
| Net charge-offs to loans | -0.0024% | 3,257 |
| Credit loss provision to net charge-offs | -6,962.5000% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3654% | 1,015 |
| Assets per employee ($millions) | 7.4877% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 4,602 |
| Loan loss allowance to noncurrent loans | 339.1525% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,254 |
| Noncurrent loans to loans | 0.1848% | 3,207 |
| Net loans and leases to total assets | 69.4549% | 1,136 |
| Net loans and leases to deposits | 77.8890% | 1,491 |
| Net loans and leases to core deposits | 80.1968% | 1,711 |
| Total domestic deposits to total assets | 89.1717% | 1,183 |
| Equity capital to assets | 9.3524% | 3,509 |
| Core capital (leverage) ratio | 8.3823% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0596% | 2,342 |
| Memoranda: | ||
| Average total assets | $1,321,587,250 | 765 |
| Average earning assets | $1,218,886,000 | 769 |
| Average equity | $126,131,250 | 832 |
| Average total loans | $887,885,250 | 748 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3162% | 3,382 |
| Cost of funding earning assets | 0.3199% | 2,585 |
| Net interest margin | 2.9963% | 3,337 |
| Noninterest income to average assets | 0.7625% | 1,637 |
| Noninterest expense to average assets | 2.7045% | 1,581 |
| Loan and lease loss provision to assets | 0.0993% | 1,276 |
| Net operating income to assets | 0.5757% | 4,034 |
| Return on assets (ROA) | 0.6781% | 3,880 |
| Pretax return on assets | 0.8464% | 3,777 |
| Return on Equity (ROE) | 7.0558% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.0558% | 2,411 |
| Net charge-offs to loans | -0.0009% | 3,080 |
| Credit loss provision to net charge-offs | -16,200.0000% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8559% | 1,254 |
| Assets per employee ($millions) | 7.0784% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 4,638 |
| Loan loss allowance to noncurrent loans | 235.3492% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 3,078 |
| Noncurrent loans to loans | 0.2619% | 3,003 |
| Net loans and leases to total assets | 67.3203% | 1,538 |
| Net loans and leases to deposits | 75.8623% | 1,835 |
| Net loans and leases to core deposits | 78.3475% | 2,022 |
| Total domestic deposits to total assets | 88.7401% | 1,421 |
| Equity capital to assets | 9.6658% | 3,182 |
| Core capital (leverage) ratio | 8.3327% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3720% | 2,214 |
| Memoranda: | ||
| Average total assets | $1,305,364,667 | 771 |
| Average earning assets | $1,202,224,000 | 776 |
| Average equity | $125,457,667 | 834 |
| Average total loans | $864,609,667 | 765 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 3,113 |
| Cost of funding earning assets | 0.3304% | 2,704 |
| Net interest margin | 3.1028% | 2,978 |
| Noninterest income to average assets | 0.9190% | 1,279 |
| Noninterest expense to average assets | 2.6230% | 1,821 |
| Loan and lease loss provision to assets | 0.0651% | 1,838 |
| Net operating income to assets | 0.8405% | 3,298 |
| Return on assets (ROA) | 0.9076% | 3,189 |
| Pretax return on assets | 1.1705% | 2,925 |
| Return on Equity (ROE) | 9.4706% | 2,865 |
| Retained earnings to average equity (ytd only) | 9.4706% | 1,807 |
| Net charge-offs to loans | -0.0009% | 3,047 |
| Credit loss provision to net charge-offs | -10,550.0000% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6449% | 2,140 |
| Assets per employee ($millions) | 7.3541% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 4,687 |
| Loan loss allowance to noncurrent loans | 268.5322% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,463 |
| Noncurrent loans to loans | 0.2200% | 3,316 |
| Net loans and leases to total assets | 64.3014% | 2,008 |
| Net loans and leases to deposits | 72.1133% | 2,302 |
| Net loans and leases to core deposits | 74.5131% | 2,466 |
| Total domestic deposits to total assets | 89.1671% | 1,257 |
| Equity capital to assets | 9.4010% | 3,290 |
| Core capital (leverage) ratio | 8.5709% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7960% | 1,966 |
| Memoranda: | ||
| Average total assets | $1,296,218,500 | 766 |
| Average earning assets | $1,192,604,000 | 774 |
| Average equity | $124,215,500 | 833 |
| Average total loans | $848,606,500 | 769 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 3,584 |
| Cost of funding earning assets | 0.5441% | 2,644 |
| Net interest margin | 3.1516% | 3,490 |
| Noninterest income to average assets | 0.8385% | 1,423 |
| Noninterest expense to average assets | 2.8465% | 1,826 |
| Loan and lease loss provision to assets | 0.1805% | 2,136 |
| Net operating income to assets | 0.5319% | 3,961 |
| Return on assets (ROA) | 0.6017% | 3,863 |
| Pretax return on assets | 0.7448% | 3,778 |
| Return on Equity (ROE) | 6.1942% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.1942% | 1,712 |
| Net charge-offs to loans | 0.0079% | 3,046 |
| Credit loss provision to net charge-offs | 3,249.2537% | 304 |
| Earnings coverage of net charge-offs (x) | 151.0597% | 569 |
| Efficiency ratio | 73.9663% | 1,451 |
| Assets per employee ($millions) | 7.0466% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5827% | 4,722 |
| Loan loss allowance to noncurrent loans | 138.5950% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 2,902 |
| Noncurrent loans to loans | 0.4205% | 2,717 |
| Net loans and leases to total assets | 65.9093% | 2,105 |
| Net loans and leases to deposits | 74.6738% | 2,413 |
| Net loans and leases to core deposits | 77.2625% | 2,616 |
| Total domestic deposits to total assets | 88.2629% | 1,344 |
| Equity capital to assets | 9.7749% | 3,341 |
| Core capital (leverage) ratio | 8.5293% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6560% | 1,987 |
| Memoranda: | ||
| Average total assets | $1,206,156,800 | 745 |
| Average earning assets | $1,089,616,000 | 754 |
| Average equity | $117,157,200 | 840 |
| Average total loans | $843,464,600 | 752 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 3,484 |
| Cost of funding earning assets | 0.5944% | 2,649 |
| Net interest margin | 3.2334% | 3,385 |
| Noninterest income to average assets | 0.7652% | 1,609 |
| Noninterest expense to average assets | 2.8416% | 1,845 |
| Loan and lease loss provision to assets | 0.2706% | 1,499 |
| Net operating income to assets | 0.4555% | 4,159 |
| Return on assets (ROA) | 0.4746% | 4,177 |
| Pretax return on assets | 0.5863% | 4,124 |
| Return on Equity (ROE) | 4.8940% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.8940% | 2,601 |
| Net charge-offs to loans | 0.0550% | 1,815 |
| Credit loss provision to net charge-offs | 693.4097% | 1,077 |
| Earnings coverage of net charge-offs (x) | 21.3553% | 1,867 |
| Efficiency ratio | 73.9693% | 1,407 |
| Assets per employee ($millions) | 6.6221% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 4,761 |
| Loan loss allowance to noncurrent loans | 184.2607% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 3,391 |
| Noncurrent loans to loans | 0.3092% | 3,174 |
| Net loans and leases to total assets | 67.4256% | 2,330 |
| Net loans and leases to deposits | 77.3335% | 2,612 |
| Net loans and leases to core deposits | 80.0087% | 2,842 |
| Total domestic deposits to total assets | 87.1881% | 1,582 |
| Equity capital to assets | 9.4700% | 3,702 |
| Core capital (leverage) ratio | 8.1447% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4649% | 2,012 |
| Memoranda: | ||
| Average total assets | $1,192,361,250 | 745 |
| Average earning assets | $1,073,037,000 | 754 |
| Average equity | $115,622,750 | 847 |
| Average total loans | $845,277,500 | 747 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 3,525 |
| Cost of funding earning assets | 0.6417% | 2,748 |
| Net interest margin | 3.2905% | 3,408 |
| Noninterest income to average assets | 0.7668% | 1,534 |
| Noninterest expense to average assets | 2.9235% | 1,774 |
| Loan and lease loss provision to assets | 0.3687% | 1,134 |
| Net operating income to assets | 0.3587% | 4,315 |
| Return on assets (ROA) | 0.3287% | 4,420 |
| Pretax return on assets | 0.3971% | 4,414 |
| Return on Equity (ROE) | 3.3614% | 4,272 |
| Retained earnings to average equity (ytd only) | 3.3614% | 3,244 |
| Net charge-offs to loans | 0.0777% | 1,468 |
| Credit loss provision to net charge-offs | 659.1463% | 1,037 |
| Earnings coverage of net charge-offs (x) | 14.3354% | 1,949 |
| Efficiency ratio | 75.0309% | 1,367 |
| Assets per employee ($millions) | 6.3837% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5352% | 4,802 |
| Loan loss allowance to noncurrent loans | 131.2215% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 3,195 |
| Noncurrent loans to loans | 0.4079% | 2,945 |
| Net loans and leases to total assets | 68.6416% | 2,239 |
| Net loans and leases to deposits | 80.1041% | 2,412 |
| Net loans and leases to core deposits | 83.0745% | 2,683 |
| Total domestic deposits to total assets | 85.6905% | 2,127 |
| Equity capital to assets | 9.3289% | 3,801 |
| Core capital (leverage) ratio | 8.2362% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7952% | 2,276 |
| Memoranda: | ||
| Average total assets | $1,172,619,667 | 749 |
| Average earning assets | $1,054,359,000 | 756 |
| Average equity | $114,655,333 | 852 |
| Average total loans | $844,128,667 | 741 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 3,478 |
| Cost of funding earning assets | 0.7214% | 2,832 |
| Net interest margin | 3.3952% | 3,309 |
| Noninterest income to average assets | 0.8134% | 1,274 |
| Noninterest expense to average assets | 2.9860% | 1,911 |
| Loan and lease loss provision to assets | 0.6406% | 421 |
| Net operating income to assets | 0.1610% | 4,586 |
| Return on assets (ROA) | 0.0623% | 4,692 |
| Pretax return on assets | 0.1098% | 4,652 |
| Return on Equity (ROE) | 0.6215% | 4,677 |
| Retained earnings to average equity (ytd only) | 0.6215% | 3,838 |
| Net charge-offs to loans | 0.1530% | 845 |
| Credit loss provision to net charge-offs | 568.7500% | 818 |
| Earnings coverage of net charge-offs (x) | 7.7719% | 1,898 |
| Efficiency ratio | 73.7854% | 1,850 |
| Assets per employee ($millions) | 5.3903% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5104% | 4,861 |
| Loan loss allowance to noncurrent loans | 189.9332% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 3,698 |
| Noncurrent loans to loans | 0.2687% | 3,533 |
| Net loans and leases to total assets | 73.0793% | 1,768 |
| Net loans and leases to deposits | 85.8057% | 2,027 |
| Net loans and leases to core deposits | 90.0683% | 2,334 |
| Total domestic deposits to total assets | 85.1684% | 2,345 |
| Equity capital to assets | 9.9087% | 3,877 |
| Core capital (leverage) ratio | 8.6065% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6915% | 2,401 |
| Memoranda: | ||
| Average total assets | $1,136,522,000 | 736 |
| Average earning assets | $1,020,273,500 | 749 |
| Average equity | $113,919,500 | 841 |
| Average total loans | $836,663,500 | 717 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 3,171 |
| Cost of funding earning assets | 0.7818% | 2,768 |
| Net interest margin | 3.6441% | 2,982 |
| Noninterest income to average assets | 0.7742% | 1,532 |
| Noninterest expense to average assets | 3.5803% | 869 |
| Loan and lease loss provision to assets | 0.1303% | 1,644 |
| Net operating income to assets | 0.3083% | 4,738 |
| Return on assets (ROA) | 0.3774% | 4,666 |
| Pretax return on assets | 0.4650% | 4,626 |
| Return on Equity (ROE) | 3.9100% | 4,480 |
| Retained earnings to average equity (ytd only) | 3.9100% | 3,011 |
| Net charge-offs to loans | 0.0240% | 2,924 |
| Credit loss provision to net charge-offs | 734.3750% | 434 |
| Earnings coverage of net charge-offs (x) | 28.7438% | 1,622 |
| Efficiency ratio | 84.7217% | 621 |
| Assets per employee ($millions) | 5.3568% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3299% | 5,024 |
| Loan loss allowance to noncurrent loans | 57.7156% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 2,648 |
| Noncurrent loans to loans | 0.5715% | 2,474 |
| Net loans and leases to total assets | 73.5382% | 1,831 |
| Net loans and leases to deposits | 85.9334% | 2,100 |
| Net loans and leases to core deposits | 90.4663% | 2,377 |
| Total domestic deposits to total assets | 85.5758% | 2,251 |
| Equity capital to assets | 10.1467% | 3,791 |
| Core capital (leverage) ratio | 8.4681% | 4,857 |
| Tier 1 risk-based capital ratio | 13.1606% | 3,708 |
| Total risk-based capital ratio | 13.5499% | 4,054 |
| Memoranda: | ||
| Average total assets | $901,869,000 | 874 |
| Average earning assets | $820,696,600 | 884 |
| Average equity | $87,058,000 | 1,013 |
| Average total loans | $665,865,600 | 841 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 3,533 |
| Cost of funding earning assets | 0.7515% | 2,962 |
| Net interest margin | 3.5923% | 3,271 |
| Noninterest income to average assets | 0.7307% | 1,662 |
| Noninterest expense to average assets | 3.4070% | 1,079 |
| Loan and lease loss provision to assets | 0.0881% | 2,149 |
| Net operating income to assets | 0.4185% | 4,691 |
| Return on assets (ROA) | 0.4459% | 4,664 |
| Pretax return on assets | 0.5504% | 4,622 |
| Return on Equity (ROE) | 4.7007% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.7007% | 3,057 |
| Net charge-offs to loans | 0.0289% | 2,516 |
| Credit loss provision to net charge-offs | 412.5926% | 736 |
| Earnings coverage of net charge-offs (x) | 28.3326% | 1,689 |
| Efficiency ratio | 82.3738% | 733 |
| Assets per employee ($millions) | 6.1702% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2601% | 5,138 |
| Loan loss allowance to noncurrent loans | 58.8777% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,161 |
| Noncurrent loans to loans | 0.4417% | 2,987 |
| Net loans and leases to total assets | 73.3716% | 1,936 |
| Net loans and leases to deposits | 86.0925% | 2,177 |
| Net loans and leases to core deposits | 90.5681% | 2,498 |
| Total domestic deposits to total assets | 85.2241% | 2,334 |
| Equity capital to assets | 10.0570% | 3,960 |
| Core capital (leverage) ratio | 8.6401% | 4,866 |
| Tier 1 risk-based capital ratio | 13.2460% | 3,719 |
| Total risk-based capital ratio | 13.5727% | 4,123 |
| Memoranda: | ||
| Average total assets | $843,425,000 | 934 |
| Average earning assets | $770,327,250 | 942 |
| Average equity | $80,015,000 | 1,085 |
| Average total loans | $622,857,750 | 885 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 4,472 |
| Cost of funding earning assets | 0.6405% | 3,461 |
| Net interest margin | 3.3145% | 4,109 |
| Noninterest income to average assets | 0.6720% | 1,824 |
| Noninterest expense to average assets | 3.4289% | 1,054 |
| Loan and lease loss provision to assets | 0.0086% | 3,567 |
| Net operating income to assets | 0.2416% | 4,948 |
| Return on assets (ROA) | 0.2600% | 4,940 |
| Pretax return on assets | 0.3034% | 4,932 |
| Return on Equity (ROE) | 2.8269% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.8269% | 3,794 |
| Net charge-offs to loans | 0.0772% | 1,595 |
| Credit loss provision to net charge-offs | 15.0235% | 2,678 |
| Earnings coverage of net charge-offs (x) | 5.0892% | 2,689 |
| Efficiency ratio | 89.7449% | 358 |
| Assets per employee ($millions) | 7.5029% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1897% | 5,221 |
| Loan loss allowance to noncurrent loans | 45.0862% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,174 |
| Noncurrent loans to loans | 0.4208% | 3,023 |
| Net loans and leases to total assets | 73.8327% | 1,918 |
| Net loans and leases to deposits | 86.7026% | 2,170 |
| Net loans and leases to core deposits | 90.4922% | 2,556 |
| Total domestic deposits to total assets | 85.1563% | 2,411 |
| Equity capital to assets | 10.1272% | 3,858 |
| Core capital (leverage) ratio | 10.0921% | 3,504 |
| Tier 1 risk-based capital ratio | 11.5306% | 4,668 |
| Total risk-based capital ratio | 11.7390% | 5,027 |
| Memoranda: | ||
| Average total assets | $746,126,330 | 1,031 |
| Average earning assets | $686,018,000 | 1,023 |
| Average equity | $68,627,000 | 1,228 |
| Average total loans | $552,085,330 | 976 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 4,989 |
| Cost of funding earning assets | 0.4092% | 4,446 |
| Net interest margin | 3.1558% | 4,486 |
| Noninterest income to average assets | 0.5248% | 2,411 |
| Noninterest expense to average assets | 3.0559% | 1,835 |
| Loan and lease loss provision to assets | 0.0228% | 3,138 |
| Net operating income to assets | 0.3113% | 4,881 |
| Return on assets (ROA) | 0.3113% | 4,889 |
| Pretax return on assets | 0.3920% | 4,848 |
| Return on Equity (ROE) | 3.7641% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.7641% | 3,419 |
| Net charge-offs to loans | 0.0048% | 2,533 |
| Credit loss provision to net charge-offs | 640.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 116.2000% | 605 |
| Efficiency ratio | 88.0477% | 480 |
| Assets per employee ($millions) | 6.7341% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4268% | 5,148 |
| Loan loss allowance to noncurrent loans | 194.2077% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 3,850 |
| Noncurrent loans to loans | 0.2198% | 3,799 |
| Net loans and leases to total assets | 73.2943% | 1,932 |
| Net loans and leases to deposits | 80.9727% | 2,733 |
| Net loans and leases to core deposits | 83.8639% | 3,034 |
| Total domestic deposits to total assets | 90.5173% | 282 |
| Equity capital to assets | 8.2949% | 5,087 |
| Core capital (leverage) ratio | 9.0163% | 4,643 |
| Tier 1 risk-based capital ratio | 14.4151% | 3,139 |
| Total risk-based capital ratio | 14.9451% | 3,413 |
| Memoranda: | ||
| Average total assets | $560,223,000 | 1,299 |
| Average earning assets | $522,966,000 | 1,293 |
| Average equity | $46,333,000 | 1,690 |
| Average total loans | $414,643,500 | 1,247 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3749% | 5,029 |
| Cost of funding earning assets | 0.3212% | 4,458 |
| Net interest margin | 3.0537% | 4,724 |
| Noninterest income to average assets | 0.5586% | 2,500 |
| Noninterest expense to average assets | 3.0435% | 1,954 |
| Loan and lease loss provision to assets | 0.0199% | 3,764 |
| Net operating income to assets | 0.2713% | 5,040 |
| Return on assets (ROA) | 0.2844% | 5,025 |
| Pretax return on assets | 0.3572% | 4,989 |
| Return on Equity (ROE) | 3.5497% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.5497% | 3,632 |
| Net charge-offs to loans | 0.0017% | 3,693 |
| Credit loss provision to net charge-offs | 1,571.4286% | 267 |
| Earnings coverage of net charge-offs (x) | 284.7143% | 343 |
| Efficiency ratio | 89.4063% | 372 |
| Assets per employee ($millions) | 6.3779% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4238% | 5,193 |
| Loan loss allowance to noncurrent loans | 99.6016% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 3,286 |
| Noncurrent loans to loans | 0.4255% | 3,013 |
| Net loans and leases to total assets | 74.0991% | 1,922 |
| Net loans and leases to deposits | 81.8115% | 2,759 |
| Net loans and leases to core deposits | 83.9635% | 3,097 |
| Total domestic deposits to total assets | 90.5729% | 305 |
| Equity capital to assets | 8.2549% | 5,061 |
| Core capital (leverage) ratio | 8.9509% | 4,694 |
| Tier 1 risk-based capital ratio | 15.1067% | 2,782 |
| Total risk-based capital ratio | 15.6421% | 3,033 |
| Memoranda: | ||
| Average total assets | $552,656,600 | 1,285 |
| Average earning assets | $514,976,200 | 1,277 |
| Average equity | $44,286,000 | 1,686 |
| Average total loans | $408,478,400 | 1,235 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 5,102 |
| Cost of funding earning assets | 0.3014% | 4,500 |
| Net interest margin | 3.0269% | 4,812 |
| Noninterest income to average assets | 0.5521% | 2,559 |
| Noninterest expense to average assets | 2.7217% | 2,911 |
| Loan and lease loss provision to assets | 0.0266% | 3,479 |
| Net operating income to assets | 0.4783% | 4,803 |
| Return on assets (ROA) | 0.4917% | 4,782 |
| Pretax return on assets | 0.6417% | 4,652 |
| Return on Equity (ROE) | 6.1827% | 4,208 |
| Retained earnings to average equity (ytd only) | 6.1827% | 2,557 |
| Net charge-offs to loans | -0.0013% | 4,036 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6902% | 885 |
| Assets per employee ($millions) | 6.4319% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 5,260 |
| Loan loss allowance to noncurrent loans | 121.2810% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,638 |
| Noncurrent loans to loans | 0.3524% | 3,393 |
| Net loans and leases to total assets | 74.1767% | 1,951 |
| Net loans and leases to deposits | 82.5477% | 2,761 |
| Net loans and leases to core deposits | 84.9010% | 3,087 |
| Total domestic deposits to total assets | 89.8591% | 555 |
| Equity capital to assets | 8.0828% | 5,146 |
| Core capital (leverage) ratio | 9.0475% | 4,659 |
| Tier 1 risk-based capital ratio | 14.5874% | 3,071 |
| Total risk-based capital ratio | 15.1431% | 3,330 |
| Memoranda: | ||
| Average total assets | $552,100,750 | 1,287 |
| Average earning assets | $514,522,750 | 1,282 |
| Average equity | $43,906,250 | 1,704 |
| Average total loans | $407,370,250 | 1,235 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 5,160 |
| Cost of funding earning assets | 0.2817% | 4,553 |
| Net interest margin | 2.9960% | 4,882 |
| Noninterest income to average assets | 0.5397% | 2,637 |
| Noninterest expense to average assets | 2.7458% | 2,858 |
| Loan and lease loss provision to assets | 0.0308% | 3,293 |
| Net operating income to assets | 0.4281% | 4,908 |
| Return on assets (ROA) | 0.4198% | 4,925 |
| Pretax return on assets | 0.5441% | 4,826 |
| Return on Equity (ROE) | 5.3073% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.3073% | 2,931 |
| Net charge-offs to loans | 0.0054% | 2,965 |
| Credit loss provision to net charge-offs | 772.7273% | 513 |
| Earnings coverage of net charge-offs (x) | 146.8182% | 526 |
| Efficiency ratio | 82.4266% | 804 |
| Assets per employee ($millions) | 6.4828% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4214% | 5,340 |
| Loan loss allowance to noncurrent loans | 61.7732% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 2,760 |
| Noncurrent loans to loans | 0.6821% | 2,401 |
| Net loans and leases to total assets | 72.9477% | 2,126 |
| Net loans and leases to deposits | 80.7186% | 2,875 |
| Net loans and leases to core deposits | 82.7726% | 3,181 |
| Total domestic deposits to total assets | 90.3729% | 444 |
| Equity capital to assets | 7.8455% | 5,282 |
| Core capital (leverage) ratio | 8.8965% | 4,791 |
| Tier 1 risk-based capital ratio | 14.3953% | 3,161 |
| Total risk-based capital ratio | 14.9168% | 3,442 |
| Memoranda: | ||
| Average total assets | $551,752,000 | 1,289 |
| Average earning assets | $514,093,330 | 1,285 |
| Average equity | $43,638,330 | 1,715 |
| Average total loans | $405,804,670 | 1,244 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2366% | 5,204 |
| Cost of funding earning assets | 0.2643% | 4,621 |
| Net interest margin | 2.9723% | 4,914 |
| Noninterest income to average assets | 0.5284% | 2,641 |
| Noninterest expense to average assets | 2.7307% | 2,937 |
| Loan and lease loss provision to assets | 0.0219% | 3,245 |
| Net operating income to assets | 0.4219% | 4,881 |
| Return on assets (ROA) | 0.4052% | 4,919 |
| Pretax return on assets | 0.5247% | 4,838 |
| Return on Equity (ROE) | 5.1024% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1024% | 3,123 |
| Net charge-offs to loans | 0.0049% | 2,553 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 155.8000% | 421 |
| Efficiency ratio | 82.7883% | 881 |
| Assets per employee ($millions) | 6.3580% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4122% | 5,419 |
| Loan loss allowance to noncurrent loans | 90.0377% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 3,500 |
| Noncurrent loans to loans | 0.4578% | 3,161 |
| Net loans and leases to total assets | 73.0367% | 2,018 |
| Net loans and leases to deposits | 80.2222% | 2,787 |
| Net loans and leases to core deposits | 82.1585% | 3,128 |
| Total domestic deposits to total assets | 91.0430% | 305 |
| Equity capital to assets | 7.8157% | 5,320 |
| Core capital (leverage) ratio | 8.9157% | 4,783 |
| Tier 1 risk-based capital ratio | 14.5908% | 3,073 |
| Total risk-based capital ratio | 15.1012% | 3,378 |
| Memoranda: | ||
| Average total assets | $548,868,000 | 1,306 |
| Average earning assets | $511,522,000 | 1,298 |
| Average equity | $43,587,500 | 1,724 |
| Average total loans | $404,497,500 | 1,249 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 5,198 |
| Cost of funding earning assets | 0.2586% | 4,495 |
| Net interest margin | 2.9321% | 5,002 |
| Noninterest income to average assets | 0.6111% | 2,400 |
| Noninterest expense to average assets | 2.8574% | 2,586 |
| Loan and lease loss provision to assets | 0.0195% | 3,906 |
| Net operating income to assets | 0.1451% | 5,203 |
| Return on assets (ROA) | 0.1538% | 5,197 |
| Pretax return on assets | 0.4765% | 4,961 |
| Return on Equity (ROE) | 1.8715% | 5,084 |
| Retained earnings to average equity (ytd only) | 1.8715% | 4,191 |
| Net charge-offs to loans | 0.0141% | 3,613 |
| Credit loss provision to net charge-offs | 190.9091% | 1,429 |
| Earnings coverage of net charge-offs (x) | 47.1273% | 1,136 |
| Efficiency ratio | 85.5543% | 668 |
| Assets per employee ($millions) | 6.5613% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4084% | 5,480 |
| Loan loss allowance to noncurrent loans | 92.6843% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,569 |
| Noncurrent loans to loans | 0.4406% | 3,204 |
| Net loans and leases to total assets | 73.7576% | 1,962 |
| Net loans and leases to deposits | 81.1264% | 2,802 |
| Net loans and leases to core deposits | 83.2545% | 3,132 |
| Total domestic deposits to total assets | 90.9169% | 260 |
| Equity capital to assets | 8.0690% | 5,366 |
| Core capital (leverage) ratio | 8.6326% | 5,010 |
| Tier 1 risk-based capital ratio | 14.4921% | 3,092 |
| Total risk-based capital ratio | 15.0239% | 3,399 |
| Memoranda: | ||
| Average total assets | $537,234,000 | 1,305 |
| Average earning assets | $499,991,400 | 1,299 |
| Average equity | $44,136,400 | 1,680 |
| Average total loans | $390,117,800 | 1,262 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 5,262 |
| Cost of funding earning assets | 0.2613% | 4,470 |
| Net interest margin | 2.9130% | 5,072 |
| Noninterest income to average assets | 0.6300% | 2,314 |
| Noninterest expense to average assets | 2.6512% | 3,242 |
| Loan and lease loss provision to assets | 0.0137% | 3,875 |
| Net operating income to assets | 0.4701% | 4,822 |
| Return on assets (ROA) | 0.4829% | 4,818 |
| Pretax return on assets | 0.6928% | 4,625 |
| Return on Equity (ROE) | 5.8510% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,336 |
| Net charge-offs to loans | 0.0162% | 3,196 |
| Credit loss provision to net charge-offs | 117.0213% | 2,044 |
| Earnings coverage of net charge-offs (x) | 58.8039% | 1,006 |
| Efficiency ratio | 79.3885% | 1,173 |
| Assets per employee ($millions) | 6.6607% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 5,556 |
| Loan loss allowance to noncurrent loans | 73.9631% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,423 |
| Noncurrent loans to loans | 0.5504% | 3,047 |
| Net loans and leases to total assets | 72.7743% | 2,129 |
| Net loans and leases to deposits | 80.5899% | 2,909 |
| Net loans and leases to core deposits | 83.2524% | 3,196 |
| Total domestic deposits to total assets | 90.3019% | 376 |
| Equity capital to assets | 8.3743% | 5,357 |
| Core capital (leverage) ratio | 9.0496% | 4,687 |
| Tier 1 risk-based capital ratio | 15.3455% | 2,775 |
| Total risk-based capital ratio | 15.8602% | 3,043 |
| Memoranda: | ||
| Average total assets | $535,394,750 | 1,324 |
| Average earning assets | $497,983,500 | 1,316 |
| Average equity | $44,184,750 | 1,699 |
| Average total loans | $386,816,250 | 1,277 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1532% | 5,299 |
| Cost of funding earning assets | 0.2620% | 4,442 |
| Net interest margin | 2.8912% | 5,112 |
| Noninterest income to average assets | 0.6700% | 2,126 |
| Noninterest expense to average assets | 2.6501% | 3,267 |
| Loan and lease loss provision to assets | 0.0206% | 3,569 |
| Net operating income to assets | 0.4959% | 4,716 |
| Return on assets (ROA) | 0.5153% | 4,701 |
| Pretax return on assets | 0.7165% | 4,507 |
| Return on Equity (ROE) | 6.2756% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.2756% | 1,977 |
| Net charge-offs to loans | 0.0151% | 2,945 |
| Credit loss provision to net charge-offs | 189.6552% | 1,321 |
| Earnings coverage of net charge-offs (x) | 65.3793% | 887 |
| Efficiency ratio | 78.8676% | 1,348 |
| Assets per employee ($millions) | 6.7700% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4110% | 5,602 |
| Loan loss allowance to noncurrent loans | 94.7461% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,859 |
| Noncurrent loans to loans | 0.4338% | 3,460 |
| Net loans and leases to total assets | 72.6133% | 2,104 |
| Net loans and leases to deposits | 80.3497% | 2,870 |
| Net loans and leases to core deposits | 83.0833% | 3,165 |
| Total domestic deposits to total assets | 90.3715% | 403 |
| Equity capital to assets | 8.2298% | 5,431 |
| Core capital (leverage) ratio | 8.9325% | 4,797 |
| Tier 1 risk-based capital ratio | 14.9553% | 2,947 |
| Total risk-based capital ratio | 15.4710% | 3,220 |
| Memoranda: | ||
| Average total assets | $534,020,000 | 1,335 |
| Average earning assets | $496,894,670 | 1,323 |
| Average equity | $43,852,670 | 1,707 |
| Average total loans | $384,343,000 | 1,286 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1206% | 5,345 |
| Cost of funding earning assets | 0.2669% | 4,388 |
| Net interest margin | 2.8538% | 5,158 |
| Noninterest income to average assets | 0.5386% | 2,714 |
| Noninterest expense to average assets | 2.6856% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3378% | 5,108 |
| Return on assets (ROA) | 0.3742% | 5,035 |
| Pretax return on assets | 0.5613% | 4,814 |
| Return on Equity (ROE) | 4.5617% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.5617% | 3,146 |
| Net charge-offs to loans | 0.0148% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 926 |
| Efficiency ratio | 84.1210% | 958 |
| Assets per employee ($millions) | 6.6802% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4197% | 5,671 |
| Loan loss allowance to noncurrent loans | 95.2467% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 3,946 |
| Noncurrent loans to loans | 0.4407% | 3,511 |
| Net loans and leases to total assets | 70.2737% | 2,327 |
| Net loans and leases to deposits | 77.6862% | 3,015 |
| Net loans and leases to core deposits | 80.6349% | 3,236 |
| Total domestic deposits to total assets | 90.4585% | 491 |
| Equity capital to assets | 8.1306% | 5,458 |
| Core capital (leverage) ratio | 8.9270% | 4,818 |
| Tier 1 risk-based capital ratio | 14.5755% | 3,163 |
| Total risk-based capital ratio | 15.0754% | 3,498 |
| Memoranda: | ||
| Average total assets | $530,229,000 | 1,347 |
| Average earning assets | $493,105,500 | 1,338 |
| Average equity | $43,492,500 | 1,727 |
| Average total loans | $379,065,500 | 1,308 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 5,479 |
| Cost of funding earning assets | 0.2863% | 4,206 |
| Net interest margin | 2.7415% | 5,368 |
| Noninterest income to average assets | 0.5729% | 2,798 |
| Noninterest expense to average assets | 2.6931% | 3,362 |
| Loan and lease loss provision to assets | 0.0432% | 3,520 |
| Net operating income to assets | 0.2999% | 5,220 |
| Return on assets (ROA) | 0.3213% | 5,239 |
| Pretax return on assets | 0.4117% | 5,206 |
| Return on Equity (ROE) | 3.8262% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.8262% | 3,196 |
| Net charge-offs to loans | 0.0303% | 3,414 |
| Credit loss provision to net charge-offs | 208.3333% | 1,364 |
| Earnings coverage of net charge-offs (x) | 20.6204% | 1,842 |
| Efficiency ratio | 86.3021% | 802 |
| Assets per employee ($millions) | 6.3379% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 5,719 |
| Loan loss allowance to noncurrent loans | 89.4177% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 3,919 |
| Noncurrent loans to loans | 0.4688% | 3,468 |
| Net loans and leases to total assets | 72.1229% | 2,151 |
| Net loans and leases to deposits | 79.6536% | 2,921 |
| Net loans and leases to core deposits | 82.7663% | 3,148 |
| Total domestic deposits to total assets | 90.5457% | 437 |
| Equity capital to assets | 8.2757% | 5,434 |
| Core capital (leverage) ratio | 8.8919% | 4,864 |
| Tier 1 risk-based capital ratio | 14.2931% | 3,286 |
| Total risk-based capital ratio | 14.7965% | 3,650 |
| Memoranda: | ||
| Average total assets | $521,002,000 | 1,317 |
| Average earning assets | $484,153,800 | 1,310 |
| Average equity | $43,750,600 | 1,693 |
| Average total loans | $356,642,200 | 1,316 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 5,555 |
| Cost of funding earning assets | 0.2893% | 4,218 |
| Net interest margin | 2.7267% | 5,456 |
| Noninterest income to average assets | 0.5700% | 2,811 |
| Noninterest expense to average assets | 2.6513% | 3,494 |
| Loan and lease loss provision to assets | 0.0180% | 3,888 |
| Net operating income to assets | 0.2963% | 5,294 |
| Return on assets (ROA) | 0.3209% | 5,321 |
| Pretax return on assets | 0.4707% | 5,188 |
| Return on Equity (ROE) | 3.8077% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.8077% | 3,600 |
| Net charge-offs to loans | 0.0354% | 2,924 |
| Credit loss provision to net charge-offs | 75.2688% | 2,720 |
| Earnings coverage of net charge-offs (x) | 18.9673% | 1,967 |
| Efficiency ratio | 85.4203% | 871 |
| Assets per employee ($millions) | 5.6412% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4046% | 5,795 |
| Loan loss allowance to noncurrent loans | 83.0199% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 4,066 |
| Noncurrent loans to loans | 0.4873% | 3,545 |
| Net loans and leases to total assets | 68.3665% | 2,744 |
| Net loans and leases to deposits | 75.6638% | 3,439 |
| Net loans and leases to core deposits | 78.6136% | 3,601 |
| Total domestic deposits to total assets | 90.3556% | 359 |
| Equity capital to assets | 8.4868% | 5,538 |
| Core capital (leverage) ratio | 8.8921% | 4,952 |
| Tier 1 risk-based capital ratio | 15.0627% | 3,026 |
| Total risk-based capital ratio | 15.5440% | 3,332 |
| Memoranda: | ||
| Average total assets | $519,741,250 | 1,323 |
| Average earning assets | $482,967,000 | 1,317 |
| Average equity | $43,804,750 | 1,703 |
| Average total loans | $350,553,750 | 1,335 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0191% | 5,628 |
| Cost of funding earning assets | 0.2919% | 4,228 |
| Net interest margin | 2.7272% | 5,537 |
| Noninterest income to average assets | 0.5674% | 2,807 |
| Noninterest expense to average assets | 2.6716% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2961% | 5,341 |
| Return on assets (ROA) | 0.2995% | 5,410 |
| Pretax return on assets | 0.4366% | 5,271 |
| Return on Equity (ROE) | 3.5625% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.5625% | 3,624 |
| Net charge-offs to loans | 0.0322% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 19.9643% | 1,746 |
| Efficiency ratio | 86.0928% | 873 |
| Assets per employee ($millions) | 6.0166% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3992% | 5,883 |
| Loan loss allowance to noncurrent loans | 103.7901% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 4,453 |
| Noncurrent loans to loans | 0.3847% | 3,981 |
| Net loans and leases to total assets | 67.8682% | 2,795 |
| Net loans and leases to deposits | 75.1774% | 3,464 |
| Net loans and leases to core deposits | 78.1260% | 3,630 |
| Total domestic deposits to total assets | 90.2774% | 391 |
| Equity capital to assets | 8.4483% | 5,627 |
| Core capital (leverage) ratio | 8.7712% | 5,093 |
| Tier 1 risk-based capital ratio | 15.0707% | 3,047 |
| Total risk-based capital ratio | 15.5514% | 3,357 |
| Memoranda: | ||
| Average total assets | $518,112,330 | 1,335 |
| Average earning assets | $481,736,000 | 1,322 |
| Average equity | $43,565,000 | 1,715 |
| Average total loans | $347,362,670 | 1,345 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 5,650 |
| Cost of funding earning assets | 0.2953% | 4,212 |
| Net interest margin | 2.7480% | 5,545 |
| Noninterest income to average assets | 0.5657% | 2,712 |
| Noninterest expense to average assets | 2.6509% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3197% | 5,244 |
| Return on assets (ROA) | 0.3213% | 5,321 |
| Pretax return on assets | 0.4734% | 5,158 |
| Return on Equity (ROE) | 3.8301% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.8301% | 3,579 |
| Net charge-offs to loans | 0.0642% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.0364% | 1,889 |
| Efficiency ratio | 84.9118% | 1,074 |
| Assets per employee ($millions) | 5.9044% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 5,937 |
| Loan loss allowance to noncurrent loans | 147.8216% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 4,700 |
| Noncurrent loans to loans | 0.2799% | 4,429 |
| Net loans and leases to total assets | 66.0163% | 2,943 |
| Net loans and leases to deposits | 73.1420% | 3,534 |
| Net loans and leases to core deposits | 76.1077% | 3,673 |
| Total domestic deposits to total assets | 90.2576% | 504 |
| Equity capital to assets | 8.3917% | 5,642 |
| Core capital (leverage) ratio | 8.8912% | 4,970 |
| Tier 1 risk-based capital ratio | 15.6663% | 2,839 |
| Total risk-based capital ratio | 16.1612% | 3,136 |
| Memoranda: | ||
| Average total assets | $515,448,000 | 1,340 |
| Average earning assets | $479,481,500 | 1,324 |
| Average equity | $43,236,500 | 1,722 |
| Average total loans | $342,707,000 | 1,355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 5,724 |
| Cost of funding earning assets | 0.3453% | 3,741 |
| Net interest margin | 2.6570% | 5,693 |
| Noninterest income to average assets | 0.5682% | 2,911 |
| Noninterest expense to average assets | 2.7248% | 3,501 |
| Loan and lease loss provision to assets | 0.0229% | 3,923 |
| Net operating income to assets | 0.2167% | 5,540 |
| Return on assets (ROA) | 0.1784% | 5,678 |
| Pretax return on assets | 0.2380% | 5,632 |
| Return on Equity (ROE) | 2.0915% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.0915% | 4,533 |
| Net charge-offs to loans | 0.0068% | 4,211 |
| Credit loss provision to net charge-offs | 522.7273% | 626 |
| Earnings coverage of net charge-offs (x) | 71.0909% | 760 |
| Efficiency ratio | 89.7254% | 703 |
| Assets per employee ($millions) | 6.0870% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4340% | 5,974 |
| Loan loss allowance to noncurrent loans | 94.3878% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 4,216 |
| Noncurrent loans to loans | 0.4599% | 3,824 |
| Net loans and leases to total assets | 66.3976% | 2,928 |
| Net loans and leases to deposits | 73.3844% | 3,565 |
| Net loans and leases to core deposits | 76.6689% | 3,698 |
| Total domestic deposits to total assets | 90.4791% | 442 |
| Equity capital to assets | 8.3846% | 5,643 |
| Core capital (leverage) ratio | 8.7617% | 5,155 |
| Tier 1 risk-based capital ratio | 15.2613% | 3,052 |
| Total risk-based capital ratio | 15.7681% | 3,345 |
| Memoranda: | ||
| Average total assets | $501,254,400 | 1,342 |
| Average earning assets | $465,708,600 | 1,329 |
| Average equity | $42,745,000 | 1,711 |
| Average total loans | $324,348,000 | 1,374 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9830% | 5,820 |
| Cost of funding earning assets | 0.3541% | 3,710 |
| Net interest margin | 2.6289% | 5,803 |
| Noninterest income to average assets | 0.5697% | 2,916 |
| Noninterest expense to average assets | 2.6827% | 3,621 |
| Loan and lease loss provision to assets | 0.0134% | 4,004 |
| Net operating income to assets | 0.2294% | 5,618 |
| Return on assets (ROA) | 0.2342% | 5,680 |
| Pretax return on assets | 0.3232% | 5,613 |
| Return on Equity (ROE) | 2.7344% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.7344% | 4,474 |
| Net charge-offs to loans | 0.0062% | 3,959 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 82.2645% | 728 |
| Efficiency ratio | 89.0496% | 758 |
| Assets per employee ($millions) | 5.6364% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4337% | 6,065 |
| Loan loss allowance to noncurrent loans | 74.7634% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 4,125 |
| Noncurrent loans to loans | 0.5801% | 3,591 |
| Net loans and leases to total assets | 64.3595% | 3,246 |
| Net loans and leases to deposits | 71.2332% | 3,847 |
| Net loans and leases to core deposits | 74.7223% | 3,936 |
| Total domestic deposits to total assets | 90.3504% | 447 |
| Equity capital to assets | 8.5102% | 5,701 |
| Core capital (leverage) ratio | 8.7749% | 5,268 |
| Tier 1 risk-based capital ratio | 15.7253% | 2,936 |
| Total risk-based capital ratio | 16.2295% | 3,245 |
| Memoranda: | ||
| Average total assets | $498,740,750 | 1,353 |
| Average earning assets | $463,455,000 | 1,339 |
| Average equity | $42,713,500 | 1,723 |
| Average total loans | $320,190,750 | 1,394 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9553% | 5,896 |
| Cost of funding earning assets | 0.3609% | 3,687 |
| Net interest margin | 2.5943% | 5,890 |
| Noninterest income to average assets | 0.5618% | 2,964 |
| Noninterest expense to average assets | 2.7316% | 3,483 |
| Loan and lease loss provision to assets | 0.0101% | 3,904 |
| Net operating income to assets | 0.1681% | 5,770 |
| Return on assets (ROA) | 0.1766% | 5,810 |
| Pretax return on assets | 0.2408% | 5,757 |
| Return on Equity (ROE) | 2.0582% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.0582% | 4,670 |
| Net charge-offs to loans | 0.0025% | 3,810 |
| Credit loss provision to net charge-offs | 625.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 148.2500% | 431 |
| Efficiency ratio | 91.9495% | 642 |
| Assets per employee ($millions) | 5.8469% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4321% | 6,145 |
| Loan loss allowance to noncurrent loans | 70.2595% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 4,311 |
| Noncurrent loans to loans | 0.6150% | 3,622 |
| Net loans and leases to total assets | 64.5229% | 3,191 |
| Net loans and leases to deposits | 71.3674% | 3,775 |
| Net loans and leases to core deposits | 74.7887% | 3,881 |
| Total domestic deposits to total assets | 90.4095% | 493 |
| Equity capital to assets | 8.3877% | 5,770 |
| Core capital (leverage) ratio | 8.8156% | 5,211 |
| Tier 1 risk-based capital ratio | 15.6237% | 3,044 |
| Total risk-based capital ratio | 16.1223% | 3,361 |
| Memoranda: | ||
| Average total assets | $495,896,330 | 1,366 |
| Average earning assets | $460,465,670 | 1,356 |
| Average equity | $42,561,330 | 1,736 |
| Average total loans | $317,620,670 | 1,408 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 5,970 |
| Cost of funding earning assets | 0.3690% | 3,660 |
| Net interest margin | 2.5591% | 5,965 |
| Noninterest income to average assets | 0.5491% | 2,949 |
| Noninterest expense to average assets | 2.7724% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1135% | 5,849 |
| Return on assets (ROA) | 0.1292% | 5,891 |
| Pretax return on assets | 0.1755% | 5,859 |
| Return on Equity (ROE) | 1.4876% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.4876% | 4,893 |
| Net charge-offs to loans | 0.0013% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 292 |
| Efficiency ratio | 94.7266% | 559 |
| Assets per employee ($millions) | 5.4796% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4352% | 6,215 |
| Loan loss allowance to noncurrent loans | 57.7500% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 4,104 |
| Noncurrent loans to loans | 0.7535% | 3,374 |
| Net loans and leases to total assets | 63.5961% | 3,146 |
| Net loans and leases to deposits | 70.4455% | 3,702 |
| Net loans and leases to core deposits | 73.8004% | 3,797 |
| Total domestic deposits to total assets | 90.2770% | 618 |
| Equity capital to assets | 8.5325% | 5,720 |
| Core capital (leverage) ratio | 8.9658% | 4,991 |
| Tier 1 risk-based capital ratio | 15.8607% | 2,985 |
| Total risk-based capital ratio | 16.3616% | 3,291 |
| Memoranda: | ||
| Average total assets | $492,429,000 | 1,381 |
| Average earning assets | $457,512,000 | 1,368 |
| Average equity | $42,754,000 | 1,738 |
| Average total loans | $313,506,500 | 1,426 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 5,991 |
| Cost of funding earning assets | 0.4193% | 3,484 |
| Net interest margin | 2.6513% | 6,008 |
| Noninterest income to average assets | 0.6219% | 2,728 |
| Noninterest expense to average assets | 2.7865% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2021% | 5,757 |
| Return on assets (ROA) | 0.2404% | 5,738 |
| Pretax return on assets | 0.3301% | 5,644 |
| Return on Equity (ROE) | 2.8346% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.8346% | 4,223 |
| Net charge-offs to loans | 0.0401% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.0656% | 2,549 |
| Efficiency ratio | 90.9390% | 785 |
| Assets per employee ($millions) | 5.5887% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4496% | 6,296 |
| Loan loss allowance to noncurrent loans | 64.1239% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 4,334 |
| Noncurrent loans to loans | 0.7011% | 3,578 |
| Net loans and leases to total assets | 63.1660% | 3,338 |
| Net loans and leases to deposits | 69.8451% | 3,934 |
| Net loans and leases to core deposits | 73.4223% | 3,973 |
| Total domestic deposits to total assets | 90.4373% | 563 |
| Equity capital to assets | 8.8358% | 5,445 |
| Core capital (leverage) ratio | 8.9738% | 5,036 |
| Tier 1 risk-based capital ratio | 16.5720% | 2,685 |
| Total risk-based capital ratio | 17.0972% | 2,986 |
| Memoranda: | ||
| Average total assets | $486,241,200 | 1,369 |
| Average earning assets | $447,887,600 | 1,367 |
| Average equity | $41,239,800 | 1,737 |
| Average total loans | $304,043,800 | 1,413 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0626% | 6,073 |
| Cost of funding earning assets | 0.4270% | 3,494 |
| Net interest margin | 2.6356% | 6,092 |
| Noninterest income to average assets | 0.6249% | 2,714 |
| Noninterest expense to average assets | 2.7278% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2293% | 5,786 |
| Return on assets (ROA) | 0.2797% | 5,716 |
| Pretax return on assets | 0.3907% | 5,599 |
| Return on Equity (ROE) | 3.3325% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.3325% | 4,243 |
| Net charge-offs to loans | 0.0189% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.2102% | 1,460 |
| Efficiency ratio | 89.4765% | 881 |
| Assets per employee ($millions) | 5.3197% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4806% | 6,360 |
| Loan loss allowance to noncurrent loans | 53.8773% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 4,035 |
| Noncurrent loans to loans | 0.8920% | 3,340 |
| Net loans and leases to total assets | 62.0320% | 3,479 |
| Net loans and leases to deposits | 68.4076% | 4,092 |
| Net loans and leases to core deposits | 71.4439% | 4,209 |
| Total domestic deposits to total assets | 90.6800% | 456 |
| Equity capital to assets | 8.6149% | 5,711 |
| Core capital (leverage) ratio | 8.9239% | 5,164 |
| Tier 1 risk-based capital ratio | 16.5785% | 2,783 |
| Total risk-based capital ratio | 17.1354% | 3,057 |
| Memoranda: | ||
| Average total assets | $486,248,000 | 1,382 |
| Average earning assets | $447,141,000 | 1,385 |
| Average equity | $40,809,500 | 1,756 |
| Average total loans | $302,927,500 | 1,420 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0801% | 6,089 |
| Cost of funding earning assets | 0.4326% | 3,517 |
| Net interest margin | 2.6475% | 6,118 |
| Noninterest income to average assets | 0.6290% | 2,660 |
| Noninterest expense to average assets | 2.7449% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2254% | 5,768 |
| Return on assets (ROA) | 0.2782% | 5,714 |
| Pretax return on assets | 0.3891% | 5,597 |
| Return on Equity (ROE) | 3.3450% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.3450% | 4,072 |
| Net charge-offs to loans | 0.0205% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.7097% | 1,421 |
| Efficiency ratio | 89.6835% | 943 |
| Assets per employee ($millions) | 5.3125% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4855% | 6,431 |
| Loan loss allowance to noncurrent loans | 54.7205% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 4,179 |
| Noncurrent loans to loans | 0.8873% | 3,487 |
| Net loans and leases to total assets | 61.9804% | 3,409 |
| Net loans and leases to deposits | 68.3744% | 4,015 |
| Net loans and leases to core deposits | 71.4846% | 4,103 |
| Total domestic deposits to total assets | 90.6486% | 527 |
| Equity capital to assets | 8.6106% | 5,706 |
| Core capital (leverage) ratio | 8.8477% | 5,230 |
| Tier 1 risk-based capital ratio | 16.5810% | 2,790 |
| Total risk-based capital ratio | 17.1704% | 3,072 |
| Memoranda: | ||
| Average total assets | $485,194,000 | 1,382 |
| Average earning assets | $445,636,330 | 1,383 |
| Average equity | $40,358,670 | 1,766 |
| Average total loans | $302,217,670 | 1,423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 6,099 |
| Cost of funding earning assets | 0.4417% | 3,520 |
| Net interest margin | 2.6747% | 6,134 |
| Noninterest income to average assets | 0.6140% | 2,651 |
| Noninterest expense to average assets | 2.7488% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2275% | 5,719 |
| Return on assets (ROA) | 0.2921% | 5,569 |
| Pretax return on assets | 0.4112% | 5,419 |
| Return on Equity (ROE) | 3.5750% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.5750% | 3,989 |
| Net charge-offs to loans | -0.0120% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5659% | 1,078 |
| Assets per employee ($millions) | 5.4068% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5062% | 6,498 |
| Loan loss allowance to noncurrent loans | 95.5919% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,028 |
| Noncurrent loans to loans | 0.5295% | 4,585 |
| Net loans and leases to total assets | 61.3168% | 3,344 |
| Net loans and leases to deposits | 67.4762% | 3,920 |
| Net loans and leases to core deposits | 70.7462% | 4,011 |
| Total domestic deposits to total assets | 90.8718% | 616 |
| Equity capital to assets | 8.3691% | 5,765 |
| Core capital (leverage) ratio | 8.8942% | 5,150 |
| Tier 1 risk-based capital ratio | 16.7069% | 2,811 |
| Total risk-based capital ratio | 17.3056% | 3,098 |
| Memoranda: | ||
| Average total assets | $483,417,000 | 1,396 |
| Average earning assets | $443,715,500 | 1,392 |
| Average equity | $39,496,000 | 1,785 |
| Average total loans | $301,123,500 | 1,434 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 6,166 |
| Cost of funding earning assets | 0.5022% | 3,588 |
| Net interest margin | 2.6723% | 6,173 |
| Noninterest income to average assets | 0.6539% | 2,787 |
| Noninterest expense to average assets | 2.7719% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2565% | 5,671 |
| Return on assets (ROA) | 0.2853% | 5,664 |
| Pretax return on assets | 0.3794% | 5,540 |
| Return on Equity (ROE) | 3.4792% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.4792% | 3,752 |
| Net charge-offs to loans | 0.1747% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.1172% | 3,952 |
| Efficiency ratio | 89.0483% | 1,103 |
| Assets per employee ($millions) | 5.4571% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 6,572 |
| Loan loss allowance to noncurrent loans | 68.3734% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 4,532 |
| Noncurrent loans to loans | 0.7299% | 4,135 |
| Net loans and leases to total assets | 62.6471% | 3,262 |
| Net loans and leases to deposits | 68.9229% | 3,916 |
| Net loans and leases to core deposits | 72.2825% | 4,032 |
| Total domestic deposits to total assets | 90.8944% | 615 |
| Equity capital to assets | 7.9686% | 6,041 |
| Core capital (leverage) ratio | 8.8143% | 5,258 |
| Tier 1 risk-based capital ratio | 16.3005% | 2,966 |
| Total risk-based capital ratio | 16.8978% | 3,238 |
| Memoranda: | ||
| Average total assets | $483,707,600 | 1,373 |
| Average earning assets | $445,076,600 | 1,362 |
| Average equity | $39,664,400 | 1,761 |
| Average total loans | $302,782,400 | 1,394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 6,237 |
| Cost of funding earning assets | 0.5092% | 3,683 |
| Net interest margin | 2.6630% | 6,230 |
| Noninterest income to average assets | 0.6469% | 2,900 |
| Noninterest expense to average assets | 2.7322% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2605% | 5,754 |
| Return on assets (ROA) | 0.3054% | 5,712 |
| Pretax return on assets | 0.4298% | 5,551 |
| Return on Equity (ROE) | 3.6986% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.6986% | 4,069 |
| Net charge-offs to loans | 0.1233% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.7572% | 3,361 |
| Efficiency ratio | 88.1726% | 1,154 |
| Assets per employee ($millions) | 5.3573% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 6,588 |
| Loan loss allowance to noncurrent loans | 57.0039% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 4,349 |
| Noncurrent loans to loans | 1.0195% | 3,767 |
| Net loans and leases to total assets | 62.3755% | 3,290 |
| Net loans and leases to deposits | 68.6892% | 3,974 |
| Net loans and leases to core deposits | 72.0790% | 4,078 |
| Total domestic deposits to total assets | 90.8083% | 610 |
| Equity capital to assets | 8.0626% | 6,111 |
| Core capital (leverage) ratio | 8.7127% | 5,520 |
| Tier 1 risk-based capital ratio | 16.1730% | 3,093 |
| Total risk-based capital ratio | 16.8451% | 3,375 |
| Memoranda: | ||
| Average total assets | $484,579,000 | 1,374 |
| Average earning assets | $446,151,500 | 1,371 |
| Average equity | $40,013,750 | 1,754 |
| Average total loans | $302,889,500 | 1,397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 6,267 |
| Cost of funding earning assets | 0.5155% | 3,748 |
| Net interest margin | 2.6544% | 6,253 |
| Noninterest income to average assets | 0.6378% | 2,976 |
| Noninterest expense to average assets | 2.7471% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2427% | 5,793 |
| Return on assets (ROA) | 0.2872% | 5,784 |
| Pretax return on assets | 0.3989% | 5,640 |
| Return on Equity (ROE) | 3.4510% | 5,449 |
| Retained earnings to average equity (ytd only) | 3.4510% | 4,124 |
| Net charge-offs to loans | 0.1505% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.5877% | 3,355 |
| Efficiency ratio | 89.0715% | 1,123 |
| Assets per employee ($millions) | 5.4988% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5886% | 6,630 |
| Loan loss allowance to noncurrent loans | 50.4459% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 4,076 |
| Noncurrent loans to loans | 1.1669% | 3,604 |
| Net loans and leases to total assets | 62.4614% | 3,209 |
| Net loans and leases to deposits | 68.6680% | 3,911 |
| Net loans and leases to core deposits | 71.9886% | 4,039 |
| Total domestic deposits to total assets | 90.9615% | 558 |
| Equity capital to assets | 7.9355% | 6,242 |
| Core capital (leverage) ratio | 8.6448% | 5,491 |
| Tier 1 risk-based capital ratio | 15.9902% | 3,202 |
| Total risk-based capital ratio | 16.6820% | 3,478 |
| Memoranda: | ||
| Average total assets | $485,387,330 | 1,375 |
| Average earning assets | $447,326,670 | 1,369 |
| Average equity | $40,393,670 | 1,742 |
| Average total loans | $303,018,000 | 1,389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 6,316 |
| Cost of funding earning assets | 0.5309% | 3,767 |
| Net interest margin | 2.6476% | 6,298 |
| Noninterest income to average assets | 0.6479% | 2,887 |
| Noninterest expense to average assets | 2.7680% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2394% | 5,763 |
| Return on assets (ROA) | 0.2400% | 5,885 |
| Pretax return on assets | 0.3277% | 5,786 |
| Return on Equity (ROE) | 2.8174% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.8174% | 4,594 |
| Net charge-offs to loans | 0.2646% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.9849% | 3,174 |
| Efficiency ratio | 89.4385% | 1,192 |
| Assets per employee ($millions) | 5.6598% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 6,696 |
| Loan loss allowance to noncurrent loans | 41.0766% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 3,867 |
| Noncurrent loans to loans | 1.4838% | 3,333 |
| Net loans and leases to total assets | 61.6114% | 3,143 |
| Net loans and leases to deposits | 68.0700% | 3,768 |
| Net loans and leases to core deposits | 71.4086% | 3,896 |
| Total domestic deposits to total assets | 90.5118% | 760 |
| Equity capital to assets | 8.4770% | 6,040 |
| Core capital (leverage) ratio | 8.7656% | 5,241 |
| Tier 1 risk-based capital ratio | 16.2938% | 3,108 |
| Total risk-based capital ratio | 17.0153% | 3,349 |
| Memoranda: | ||
| Average total assets | $483,383,500 | 1,389 |
| Average earning assets | $446,748,500 | 1,382 |
| Average equity | $41,172,500 | 1,741 |
| Average total loans | $300,780,500 | 1,409 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3675% | 6,519 |
| Cost of funding earning assets | 0.7011% | 3,483 |
| Net interest margin | 2.6664% | 6,568 |
| Noninterest income to average assets | 0.5917% | 3,323 |
| Noninterest expense to average assets | 2.7596% | 4,183 |
| Loan and lease loss provision to assets | 0.0698% | 4,874 |
| Net operating income to assets | 0.1532% | 5,884 |
| Return on assets (ROA) | 0.2053% | 5,951 |
| Pretax return on assets | 0.2450% | 5,918 |
| Return on Equity (ROE) | 2.3745% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.3745% | 4,559 |
| Net charge-offs to loans | 0.0608% | 5,088 |
| Credit loss provision to net charge-offs | 189.6552% | 1,378 |
| Earnings coverage of net charge-offs (x) | 6.8736% | 2,717 |
| Efficiency ratio | 91.6070% | 947 |
| Assets per employee ($millions) | 5.4548% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 6,659 |
| Loan loss allowance to noncurrent loans | 36.5037% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 3,598 |
| Noncurrent loans to loans | 1.8620% | 2,846 |
| Net loans and leases to total assets | 62.0375% | 3,244 |
| Net loans and leases to deposits | 68.5658% | 3,898 |
| Net loans and leases to core deposits | 72.0234% | 4,044 |
| Total domestic deposits to total assets | 90.4788% | 715 |
| Equity capital to assets | 8.5587% | 6,001 |
| Core capital (leverage) ratio | 8.7635% | 5,241 |
| Tier 1 risk-based capital ratio | 16.1086% | 3,103 |
| Total risk-based capital ratio | 16.9043% | 3,301 |
| Memoranda: | ||
| Average total assets | $473,038,000 | 1,399 |
| Average earning assets | $429,453,600 | 1,404 |
| Average equity | $40,892,200 | 1,708 |
| Average total loans | $286,186,000 | 1,461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 6,630 |
| Cost of funding earning assets | 0.7303% | 3,513 |
| Net interest margin | 2.6704% | 6,681 |
| Noninterest income to average assets | 0.5658% | 3,505 |
| Noninterest expense to average assets | 2.7204% | 4,288 |
| Loan and lease loss provision to assets | 0.0057% | 5,738 |
| Net operating income to assets | 0.1838% | 5,957 |
| Return on assets (ROA) | 0.2410% | 5,997 |
| Pretax return on assets | 0.3335% | 5,890 |
| Return on Equity (ROE) | 2.7812% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.7812% | 4,881 |
| Net charge-offs to loans | 0.0792% | 4,603 |
| Credit loss provision to net charge-offs | 11.9048% | 5,056 |
| Earnings coverage of net charge-offs (x) | 5.4644% | 3,015 |
| Efficiency ratio | 91.2854% | 941 |
| Assets per employee ($millions) | 5.2078% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6142% | 6,847 |
| Loan loss allowance to noncurrent loans | 46.8649% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 4,589 |
| Noncurrent loans to loans | 1.3105% | 3,850 |
| Net loans and leases to total assets | 59.2092% | 3,931 |
| Net loans and leases to deposits | 65.6445% | 4,513 |
| Net loans and leases to core deposits | 69.0505% | 4,604 |
| Total domestic deposits to total assets | 90.1967% | 734 |
| Equity capital to assets | 8.6714% | 6,125 |
| Core capital (leverage) ratio | 8.7636% | 5,387 |
| Tier 1 risk-based capital ratio | 16.4882% | 3,007 |
| Total risk-based capital ratio | 17.1878% | 3,269 |
| Memoranda: | ||
| Average total assets | $471,291,500 | 1,421 |
| Average earning assets | $426,099,750 | 1,431 |
| Average equity | $40,844,250 | 1,725 |
| Average total loans | $282,774,250 | 1,491 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 6,698 |
| Cost of funding earning assets | 0.7406% | 3,680 |
| Net interest margin | 2.6916% | 6,717 |
| Noninterest income to average assets | 0.5765% | 3,405 |
| Noninterest expense to average assets | 2.7550% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1887% | 5,950 |
| Return on assets (ROA) | 0.2398% | 5,983 |
| Pretax return on assets | 0.3308% | 5,893 |
| Return on Equity (ROE) | 2.7674% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.7674% | 4,778 |
| Net charge-offs to loans | 0.0664% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,626 |
| Efficiency ratio | 91.3834% | 969 |
| Assets per employee ($millions) | 5.2167% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 6,889 |
| Loan loss allowance to noncurrent loans | 29.5098% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 3,688 |
| Noncurrent loans to loans | 2.1770% | 2,738 |
| Net loans and leases to total assets | 58.2512% | 4,118 |
| Net loans and leases to deposits | 64.4921% | 4,696 |
| Net loans and leases to core deposits | 67.8804% | 4,802 |
| Total domestic deposits to total assets | 90.3230% | 750 |
| Equity capital to assets | 8.5875% | 6,132 |
| Core capital (leverage) ratio | 8.7496% | 5,298 |
| Tier 1 risk-based capital ratio | 16.5457% | 2,891 |
| Total risk-based capital ratio | 17.2805% | 3,123 |
| Memoranda: | ||
| Average total assets | $470,417,670 | 1,426 |
| Average earning assets | $426,137,000 | 1,434 |
| Average equity | $40,760,670 | 1,714 |
| Average total loans | $282,921,000 | 1,488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 6,737 |
| Cost of funding earning assets | 0.7625% | 3,770 |
| Net interest margin | 2.7041% | 6,763 |
| Noninterest income to average assets | 0.5689% | 3,436 |
| Noninterest expense to average assets | 2.7865% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1632% | 6,084 |
| Return on assets (ROA) | 0.2622% | 5,939 |
| Pretax return on assets | 0.3648% | 5,820 |
| Return on Equity (ROE) | 3.0129% | 5,712 |
| Retained earnings to average equity (ytd only) | 3.0129% | 4,746 |
| Net charge-offs to loans | 0.0659% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.6596% | 2,321 |
| Efficiency ratio | 92.4603% | 913 |
| Assets per employee ($millions) | 5.2260% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 6,932 |
| Loan loss allowance to noncurrent loans | 30.7422% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 3,853 |
| Noncurrent loans to loans | 2.1182% | 3,010 |
| Net loans and leases to total assets | 59.5245% | 3,772 |
| Net loans and leases to deposits | 65.8605% | 4,402 |
| Net loans and leases to core deposits | 69.1497% | 4,542 |
| Total domestic deposits to total assets | 90.3796% | 877 |
| Equity capital to assets | 8.6644% | 5,913 |
| Core capital (leverage) ratio | 8.7854% | 5,150 |
| Tier 1 risk-based capital ratio | 16.6440% | 2,843 |
| Total risk-based capital ratio | 17.4195% | 3,052 |
| Memoranda: | ||
| Average total assets | $468,265,000 | 1,433 |
| Average earning assets | $423,364,500 | 1,448 |
| Average equity | $40,757,500 | 1,704 |
| Average total loans | $285,221,500 | 1,489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 6,681 |
| Cost of funding earning assets | 0.9132% | 4,026 |
| Net interest margin | 2.9301% | 6,642 |
| Noninterest income to average assets | 0.7541% | 2,316 |
| Noninterest expense to average assets | 2.8609% | 4,125 |
| Loan and lease loss provision to assets | 0.0937% | 5,425 |
| Net operating income to assets | 0.4071% | 4,831 |
| Return on assets (ROA) | 0.4244% | 4,950 |
| Pretax return on assets | 0.4725% | 5,067 |
| Return on Equity (ROE) | 4.9630% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.9630% | 2,667 |
| Net charge-offs to loans | 0.0248% | 6,088 |
| Credit loss provision to net charge-offs | 581.0811% | 394 |
| Earnings coverage of net charge-offs (x) | 33.9189% | 765 |
| Efficiency ratio | 83.9473% | 1,770 |
| Assets per employee ($millions) | 5.1799% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 6,958 |
| Loan loss allowance to noncurrent loans | 31.9470% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 4,009 |
| Noncurrent loans to loans | 2.0409% | 3,153 |
| Net loans and leases to total assets | 61.5111% | 3,689 |
| Net loans and leases to deposits | 68.1198% | 4,429 |
| Net loans and leases to core deposits | 71.4876% | 4,592 |
| Total domestic deposits to total assets | 90.2985% | 812 |
| Equity capital to assets | 8.7438% | 5,855 |
| Core capital (leverage) ratio | 8.7951% | 5,110 |
| Tier 1 risk-based capital ratio | 16.4575% | 2,842 |
| Total risk-based capital ratio | 17.2681% | 2,994 |
| Memoranda: | ||
| Average total assets | $458,808,600 | 1,431 |
| Average earning assets | $415,549,800 | 1,441 |
| Average equity | $39,230,200 | 1,721 |
| Average total loans | $298,003,400 | 1,429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 6,697 |
| Cost of funding earning assets | 0.9397% | 4,116 |
| Net interest margin | 2.9871% | 6,611 |
| Noninterest income to average assets | 0.8106% | 2,003 |
| Noninterest expense to average assets | 2.9113% | 3,880 |
| Loan and lease loss provision to assets | 0.1123% | 5,021 |
| Net operating income to assets | 0.4268% | 4,870 |
| Return on assets (ROA) | 0.4476% | 4,982 |
| Pretax return on assets | 0.5173% | 5,103 |
| Return on Equity (ROE) | 5.2650% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.2650% | 3,024 |
| Net charge-offs to loans | 0.0302% | 5,722 |
| Credit loss provision to net charge-offs | 566.1765% | 486 |
| Earnings coverage of net charge-offs (x) | 30.5309% | 925 |
| Efficiency ratio | 82.7775% | 1,870 |
| Assets per employee ($millions) | 4.9563% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6232% | 7,055 |
| Loan loss allowance to noncurrent loans | 30.1735% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3251% | 4,154 |
| Noncurrent loans to loans | 2.0655% | 3,281 |
| Net loans and leases to total assets | 63.7553% | 3,360 |
| Net loans and leases to deposits | 70.4945% | 4,218 |
| Net loans and leases to core deposits | 73.8797% | 4,462 |
| Total domestic deposits to total assets | 90.4400% | 663 |
| Equity capital to assets | 8.6997% | 6,085 |
| Core capital (leverage) ratio | 8.7159% | 5,382 |
| Tier 1 risk-based capital ratio | 15.8360% | 3,200 |
| Total risk-based capital ratio | 16.5689% | 3,449 |
| Memoranda: | ||
| Average total assets | $456,962,250 | 1,451 |
| Average earning assets | $414,033,250 | 1,453 |
| Average equity | $38,847,000 | 1,738 |
| Average total loans | $300,343,500 | 1,425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 6,665 |
| Cost of funding earning assets | 0.9563% | 4,274 |
| Net interest margin | 3.0411% | 6,519 |
| Noninterest income to average assets | 0.9415% | 1,492 |
| Noninterest expense to average assets | 3.0278% | 3,528 |
| Loan and lease loss provision to assets | 0.1470% | 4,472 |
| Net operating income to assets | 0.4823% | 4,583 |
| Return on assets (ROA) | 0.5048% | 4,623 |
| Pretax return on assets | 0.5421% | 4,930 |
| Return on Equity (ROE) | 5.9850% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.9850% | 2,444 |
| Net charge-offs to loans | 0.0464% | 5,204 |
| Credit loss provision to net charge-offs | 478.5714% | 646 |
| Earnings coverage of net charge-offs (x) | 21.6429% | 1,148 |
| Efficiency ratio | 81.9922% | 2,102 |
| Assets per employee ($millions) | 5.2887% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 7,139 |
| Loan loss allowance to noncurrent loans | 36.5884% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 4,600 |
| Noncurrent loans to loans | 1.6303% | 3,962 |
| Net loans and leases to total assets | 64.8660% | 3,281 |
| Net loans and leases to deposits | 71.6304% | 4,177 |
| Net loans and leases to core deposits | 75.0870% | 4,422 |
| Total domestic deposits to total assets | 90.5565% | 696 |
| Equity capital to assets | 8.5507% | 6,130 |
| Core capital (leverage) ratio | 8.5850% | 5,425 |
| Tier 1 risk-based capital ratio | 15.5920% | 3,190 |
| Total risk-based capital ratio | 16.3257% | 3,424 |
| Memoranda: | ||
| Average total assets | $455,638,670 | 1,463 |
| Average earning assets | $412,221,330 | 1,468 |
| Average equity | $38,429,330 | 1,746 |
| Average total loans | $301,887,330 | 1,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 6,620 |
| Cost of funding earning assets | 0.9760% | 4,386 |
| Net interest margin | 3.0639% | 6,435 |
| Noninterest income to average assets | 0.5717% | 3,358 |
| Noninterest expense to average assets | 2.9387% | 3,899 |
| Loan and lease loss provision to assets | 0.0662% | 5,168 |
| Net operating income to assets | 0.2359% | 5,664 |
| Return on assets (ROA) | 0.2691% | 5,601 |
| Pretax return on assets | 0.3776% | 5,404 |
| Return on Equity (ROE) | 3.2129% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.2129% | 4,246 |
| Net charge-offs to loans | 0.0370% | 4,590 |
| Credit loss provision to net charge-offs | 267.8571% | 1,174 |
| Earnings coverage of net charge-offs (x) | 16.0714% | 1,284 |
| Efficiency ratio | 88.0984% | 1,505 |
| Assets per employee ($millions) | 5.6852% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5236% | 7,266 |
| Loan loss allowance to noncurrent loans | 34.1882% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 4,904 |
| Noncurrent loans to loans | 1.5314% | 4,174 |
| Net loans and leases to total assets | 64.9018% | 3,262 |
| Net loans and leases to deposits | 71.2583% | 4,164 |
| Net loans and leases to core deposits | 74.6158% | 4,473 |
| Total domestic deposits to total assets | 91.0797% | 588 |
| Equity capital to assets | 8.2400% | 6,238 |
| Core capital (leverage) ratio | 8.6158% | 5,242 |
| Tier 1 risk-based capital ratio | 15.4071% | 3,207 |
| Total risk-based capital ratio | 16.0643% | 3,499 |
| Memoranda: | ||
| Average total assets | $453,400,500 | 1,482 |
| Average earning assets | $409,015,500 | 1,493 |
| Average equity | $37,972,500 | 1,751 |
| Average total loans | $302,706,500 | 1,446 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 6,790 |
| Cost of funding earning assets | 1.1793% | 4,682 |
| Net interest margin | 3.1232% | 6,458 |
| Noninterest income to average assets | 0.5772% | 3,604 |
| Noninterest expense to average assets | 2.9161% | 4,160 |
| Loan and lease loss provision to assets | 0.0994% | 6,150 |
| Net operating income to assets | 0.2551% | 5,097 |
| Return on assets (ROA) | 0.3146% | 5,053 |
| Pretax return on assets | 0.4469% | 4,803 |
| Return on Equity (ROE) | 3.6926% | 4,653 |
| Retained earnings to average equity (ytd only) | 3.6926% | 3,275 |
| Net charge-offs to loans | 0.1194% | 5,693 |
| Credit loss provision to net charge-offs | 120.5479% | 3,495 |
| Earnings coverage of net charge-offs (x) | 5.5973% | 2,585 |
| Efficiency ratio | 86.3399% | 1,656 |
| Assets per employee ($millions) | 5.0146% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5004% | 7,357 |
| Loan loss allowance to noncurrent loans | 27.8112% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 4,503 |
| Noncurrent loans to loans | 1.7992% | 3,819 |
| Net loans and leases to total assets | 67.9902% | 2,986 |
| Net loans and leases to deposits | 74.9115% | 4,043 |
| Net loans and leases to core deposits | 78.1380% | 4,446 |
| Total domestic deposits to total assets | 90.7607% | 714 |
| Equity capital to assets | 8.5144% | 5,841 |
| Core capital (leverage) ratio | 8.5538% | 5,269 |
| Tier 1 risk-based capital ratio | 15.2906% | 3,103 |
| Total risk-based capital ratio | 15.9189% | 3,405 |
| Memoranda: | ||
| Average total assets | $442,824,000 | 1,503 |
| Average earning assets | $397,031,200 | 1,526 |
| Average equity | $37,724,200 | 1,749 |
| Average total loans | $305,582,200 | 1,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 6,909 |
| Cost of funding earning assets | 1.2311% | 4,681 |
| Net interest margin | 3.1096% | 6,590 |
| Noninterest income to average assets | 0.5337% | 3,920 |
| Noninterest expense to average assets | 2.8533% | 4,270 |
| Loan and lease loss provision to assets | 0.1146% | 5,882 |
| Net operating income to assets | 0.2477% | 5,361 |
| Return on assets (ROA) | 0.3137% | 5,284 |
| Pretax return on assets | 0.4462% | 5,093 |
| Return on Equity (ROE) | 3.6824% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.6824% | 3,868 |
| Net charge-offs to loans | 0.0981% | 5,545 |
| Credit loss provision to net charge-offs | 168.8889% | 2,205 |
| Earnings coverage of net charge-offs (x) | 6.8712% | 2,435 |
| Efficiency ratio | 85.9506% | 1,639 |
| Assets per employee ($millions) | 4.9199% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5319% | 7,425 |
| Loan loss allowance to noncurrent loans | 31.7768% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2108% | 4,724 |
| Noncurrent loans to loans | 1.6740% | 4,133 |
| Net loans and leases to total assets | 67.0753% | 3,442 |
| Net loans and leases to deposits | 74.2081% | 4,471 |
| Net loans and leases to core deposits | 77.2652% | 4,894 |
| Total domestic deposits to total assets | 90.3881% | 683 |
| Equity capital to assets | 8.6432% | 6,113 |
| Core capital (leverage) ratio | 8.6106% | 5,329 |
| Tier 1 risk-based capital ratio | 14.8765% | 3,316 |
| Total risk-based capital ratio | 15.5055% | 3,621 |
| Memoranda: | ||
| Average total assets | $441,954,750 | 1,532 |
| Average earning assets | $395,963,750 | 1,555 |
| Average equity | $37,655,250 | 1,768 |
| Average total loans | $305,736,000 | 1,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 6,903 |
| Cost of funding earning assets | 1.2999% | 4,542 |
| Net interest margin | 3.0962% | 6,618 |
| Noninterest income to average assets | 0.5154% | 3,992 |
| Noninterest expense to average assets | 2.8207% | 4,389 |
| Loan and lease loss provision to assets | 0.1545% | 5,354 |
| Net operating income to assets | 0.2230% | 5,484 |
| Return on assets (ROA) | 0.3086% | 5,298 |
| Pretax return on assets | 0.4404% | 5,094 |
| Return on Equity (ROE) | 3.6400% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.6400% | 3,785 |
| Net charge-offs to loans | 0.1550% | 4,705 |
| Credit loss provision to net charge-offs | 142.8571% | 2,780 |
| Earnings coverage of net charge-offs (x) | 4.3697% | 2,971 |
| Efficiency ratio | 85.6473% | 1,758 |
| Assets per employee ($millions) | 5.1358% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 7,495 |
| Loan loss allowance to noncurrent loans | 37.2333% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 4,962 |
| Noncurrent loans to loans | 1.3675% | 4,657 |
| Net loans and leases to total assets | 68.7044% | 3,194 |
| Net loans and leases to deposits | 75.9620% | 4,341 |
| Net loans and leases to core deposits | 78.8261% | 4,831 |
| Total domestic deposits to total assets | 90.4458% | 702 |
| Equity capital to assets | 8.6019% | 6,008 |
| Core capital (leverage) ratio | 8.4568% | 5,483 |
| Tier 1 risk-based capital ratio | 14.7072% | 3,324 |
| Total risk-based capital ratio | 15.3172% | 3,648 |
| Memoranda: | ||
| Average total assets | $440,034,670 | 1,552 |
| Average earning assets | $394,801,670 | 1,571 |
| Average equity | $37,308,000 | 1,783 |
| Average total loans | $307,010,670 | 1,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 6,944 |
| Cost of funding earning assets | 1.4100% | 4,115 |
| Net interest margin | 3.0176% | 6,789 |
| Noninterest income to average assets | 0.4663% | 4,329 |
| Noninterest expense to average assets | 2.8296% | 4,371 |
| Loan and lease loss provision to assets | 0.2641% | 3,916 |
| Net operating income to assets | 0.0573% | 6,138 |
| Return on assets (ROA) | 0.2213% | 5,731 |
| Pretax return on assets | 0.3215% | 5,547 |
| Return on Equity (ROE) | 2.6295% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.6295% | 4,567 |
| Net charge-offs to loans | 0.2195% | 3,611 |
| Credit loss provision to net charge-offs | 171.5976% | 2,111 |
| Earnings coverage of net charge-offs (x) | 2.2604% | 3,408 |
| Efficiency ratio | 89.0513% | 1,501 |
| Assets per employee ($millions) | 5.3046% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5076% | 7,583 |
| Loan loss allowance to noncurrent loans | 33.1786% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 4,860 |
| Noncurrent loans to loans | 1.5299% | 4,454 |
| Net loans and leases to total assets | 69.1491% | 3,124 |
| Net loans and leases to deposits | 76.0800% | 4,397 |
| Net loans and leases to core deposits | 79.6679% | 4,804 |
| Total domestic deposits to total assets | 90.8900% | 588 |
| Equity capital to assets | 8.3636% | 6,207 |
| Core capital (leverage) ratio | 8.4539% | 5,461 |
| Tier 1 risk-based capital ratio | 14.5634% | 3,344 |
| Total risk-based capital ratio | 15.1801% | 3,664 |
| Memoranda: | ||
| Average total assets | $439,212,500 | 1,597 |
| Average earning assets | $394,616,000 | 1,609 |
| Average equity | $36,965,500 | 1,822 |
| Average total loans | $308,013,000 | 1,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 7,253 |
| Cost of funding earning assets | 1.7505% | 4,251 |
| Net interest margin | 2.8749% | 6,907 |
| Noninterest income to average assets | 0.6133% | 3,528 |
| Noninterest expense to average assets | 2.9304% | 4,424 |
| Loan and lease loss provision to assets | 0.0731% | 6,854 |
| Net operating income to assets | 0.1253% | 5,128 |
| Return on assets (ROA) | 0.1511% | 5,114 |
| Pretax return on assets | 0.2249% | 4,949 |
| Return on Equity (ROE) | 1.7661% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.7661% | 3,854 |
| Net charge-offs to loans | 0.0471% | 6,633 |
| Credit loss provision to net charge-offs | 229.4118% | 1,609 |
| Earnings coverage of net charge-offs (x) | 8.1471% | 1,991 |
| Efficiency ratio | 91.8637% | 1,572 |
| Assets per employee ($millions) | 5.2149% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 7,690 |
| Loan loss allowance to noncurrent loans | 27.8396% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2536% | 4,587 |
| Noncurrent loans to loans | 1.7014% | 4,088 |
| Net loans and leases to total assets | 70.4383% | 3,149 |
| Net loans and leases to deposits | 77.6312% | 4,447 |
| Net loans and leases to core deposits | 92.3055% | 4,846 |
| Total domestic deposits to total assets | 90.7345% | 647 |
| Equity capital to assets | 8.4706% | 5,924 |
| Core capital (leverage) ratio | 8.5528% | 5,188 |
| Tier 1 risk-based capital ratio | 14.4648% | 3,232 |
| Total risk-based capital ratio | 15.0347% | 3,574 |
| Memoranda: | ||
| Average total assets | $426,903,800 | 1,621 |
| Average earning assets | $382,626,400 | 1,639 |
| Average equity | $36,521,400 | 1,844 |
| Average total loans | $288,986,800 | 1,663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 7,308 |
| Cost of funding earning assets | 1.8198% | 4,291 |
| Net interest margin | 2.8612% | 6,936 |
| Noninterest income to average assets | 0.6419% | 3,408 |
| Noninterest expense to average assets | 2.9062% | 4,429 |
| Loan and lease loss provision to assets | 0.0696% | 6,664 |
| Net operating income to assets | 0.1614% | 5,283 |
| Return on assets (ROA) | 0.1937% | 5,256 |
| Pretax return on assets | 0.2755% | 5,122 |
| Return on Equity (ROE) | 2.2584% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.2584% | 4,065 |
| Net charge-offs to loans | 0.0464% | 6,264 |
| Credit loss provision to net charge-offs | 224.2424% | 1,952 |
| Earnings coverage of net charge-offs (x) | 9.6361% | 2,081 |
| Efficiency ratio | 90.6718% | 1,628 |
| Assets per employee ($millions) | 4.6300% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 7,741 |
| Loan loss allowance to noncurrent loans | 44.2125% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 5,404 |
| Noncurrent loans to loans | 1.0797% | 5,149 |
| Net loans and leases to total assets | 67.6891% | 4,025 |
| Net loans and leases to deposits | 74.8602% | 5,238 |
| Net loans and leases to core deposits | 89.3157% | 5,505 |
| Total domestic deposits to total assets | 90.4206% | 614 |
| Equity capital to assets | 8.5775% | 6,142 |
| Core capital (leverage) ratio | 8.5923% | 5,313 |
| Tier 1 risk-based capital ratio | 14.7390% | 3,162 |
| Total risk-based capital ratio | 15.3001% | 3,469 |
| Memoranda: | ||
| Average total assets | $425,419,750 | 1,647 |
| Average earning assets | $381,140,750 | 1,668 |
| Average equity | $36,485,750 | 1,865 |
| Average total loans | $284,649,500 | 1,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 7,352 |
| Cost of funding earning assets | 1.9048% | 4,235 |
| Net interest margin | 2.8239% | 6,968 |
| Noninterest income to average assets | 0.7184% | 2,876 |
| Noninterest expense to average assets | 2.9634% | 4,237 |
| Loan and lease loss provision to assets | 0.0458% | 6,770 |
| Net operating income to assets | 0.1715% | 5,346 |
| Return on assets (ROA) | 0.1780% | 5,428 |
| Pretax return on assets | 0.2488% | 5,330 |
| Return on Equity (ROE) | 2.0751% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.0751% | 4,188 |
| Net charge-offs to loans | 0.0341% | 5,985 |
| Credit loss provision to net charge-offs | 202.0833% | 2,253 |
| Earnings coverage of net charge-offs (x) | 12.6042% | 1,806 |
| Efficiency ratio | 91.2102% | 1,709 |
| Assets per employee ($millions) | 5.1733% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4713% | 7,821 |
| Loan loss allowance to noncurrent loans | 53.5599% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 5,391 |
| Noncurrent loans to loans | 0.8800% | 5,453 |
| Net loans and leases to total assets | 65.1144% | 4,739 |
| Net loans and leases to deposits | 71.8226% | 5,755 |
| Net loans and leases to core deposits | 85.3608% | 5,979 |
| Total domestic deposits to total assets | 90.6600% | 571 |
| Equity capital to assets | 8.4459% | 6,128 |
| Core capital (leverage) ratio | 8.5583% | 5,340 |
| Tier 1 risk-based capital ratio | 14.5738% | 3,208 |
| Total risk-based capital ratio | 15.1053% | 3,539 |
| Memoranda: | ||
| Average total assets | $423,696,000 | 1,674 |
| Average earning assets | $379,681,670 | 1,705 |
| Average equity | $36,336,330 | 1,878 |
| Average total loans | $281,912,330 | 1,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 7,250 |
| Cost of funding earning assets | 2.0232% | 4,020 |
| Net interest margin | 2.8445% | 6,888 |
| Noninterest income to average assets | 0.8687% | 1,993 |
| Noninterest expense to average assets | 2.8979% | 4,161 |
| Loan and lease loss provision to assets | 0.0475% | 6,378 |
| Net operating income to assets | 0.3431% | 5,100 |
| Return on assets (ROA) | 0.3431% | 5,285 |
| Pretax return on assets | 0.4809% | 5,135 |
| Return on Equity (ROE) | 3.9701% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.9701% | 3,690 |
| Net charge-offs to loans | 0.0977% | 4,201 |
| Credit loss provision to net charge-offs | 72.4638% | 4,312 |
| Earnings coverage of net charge-offs (x) | 8.0580% | 2,248 |
| Efficiency ratio | 84.5770% | 2,245 |
| Assets per employee ($millions) | 5.1708% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4454% | 7,901 |
| Loan loss allowance to noncurrent loans | 52.5303% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 5,562 |
| Noncurrent loans to loans | 0.8478% | 5,327 |
| Net loans and leases to total assets | 66.2149% | 4,535 |
| Net loans and leases to deposits | 73.0228% | 5,610 |
| Net loans and leases to core deposits | 87.0930% | 5,831 |
| Total domestic deposits to total assets | 90.6770% | 525 |
| Equity capital to assets | 8.4898% | 6,084 |
| Core capital (leverage) ratio | 8.5275% | 5,480 |
| Tier 1 risk-based capital ratio | 14.3889% | 3,369 |
| Total risk-based capital ratio | 14.8901% | 3,698 |
| Memoranda: | ||
| Average total assets | $420,853,500 | 1,695 |
| Average earning assets | $378,408,500 | 1,714 |
| Average equity | $36,372,000 | 1,880 |
| Average total loans | $282,412,000 | 1,764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 7,766 |
| Cost of funding earning assets | 2.4818% | 4,302 |
| Net interest margin | 2.6253% | 7,612 |
| Noninterest income to average assets | 0.5360% | 4,352 |
| Noninterest expense to average assets | 2.6608% | 5,411 |
| Loan and lease loss provision to assets | 0.0628% | 6,618 |
| Net operating income to assets | 0.1327% | 6,020 |
| Return on assets (ROA) | -0.3084% | 6,610 |
| Pretax return on assets | -0.4198% | 6,563 |
| Return on Equity (ROE) | -3.4464% | 6,680 |
| Retained earnings to average equity (ytd only) | -3.4464% | 6,219 |
| Net charge-offs to loans | 0.0776% | 5,652 |
| Credit loss provision to net charge-offs | 124.2857% | 4,306 |
| Earnings coverage of net charge-offs (x) | 4.8952% | 3,821 |
| Efficiency ratio | 91.4957% | 1,411 |
| Assets per employee ($millions) | 4.9142% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 7,914 |
| Loan loss allowance to noncurrent loans | 61.5942% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 5,278 |
| Noncurrent loans to loans | 0.7319% | 5,199 |
| Net loans and leases to total assets | 67.4018% | 4,568 |
| Net loans and leases to deposits | 78.4481% | 5,278 |
| Net loans and leases to core deposits | 92.0751% | 5,633 |
| Total domestic deposits to total assets | 85.9190% | 2,437 |
| Equity capital to assets | 8.7974% | 5,656 |
| Core capital (leverage) ratio | 8.7030% | 5,189 |
| Tier 1 risk-based capital ratio | 14.4720% | 3,310 |
| Total risk-based capital ratio | 14.9835% | 3,597 |
| Memoranda: | ||
| Average total assets | $415,671,600 | 1,639 |
| Average earning assets | $375,574,000 | 1,652 |
| Average equity | $37,198,600 | 1,824 |
| Average total loans | $270,533,200 | 1,768 |