Home > Northfield Savings Bank > Performance and Condition Ratios
Northfield 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 | 3.7417% | 4,240 |
| Cost of funding earning assets | 1.1030% | 3,064 |
| Net interest margin | 2.6387% | 3,916 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.6015% | 1,995 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.2207% | 4,137 |
| Return on assets (ROA) | 0.2207% | 4,151 |
| Pretax return on assets | 0.2255% | 4,170 |
| Return on Equity (ROE) | 2.6800% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.6824% | 3,386 |
| Net charge-offs to loans | 0.0066% | 2,443 |
| Credit loss provision to net charge-offs | 895.5224% | 446 |
| Earnings coverage of net charge-offs (x) | 56.1493% | 1,226 |
| Efficiency ratio | 90.9135% | 387 |
| Assets per employee ($millions) | 8.1777% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 3,917 |
| Loan loss allowance to noncurrent loans | 182.6804% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 1,706 |
| Noncurrent loans to loans | 0.4493% | 1,656 |
| Net loans and leases to total assets | 68.5300% | 1,973 |
| Net loans and leases to deposits | 86.5992% | 1,572 |
| Net loans and leases to core deposits | 90.4062% | 2,022 |
| Total domestic deposits to total assets | 79.1300% | 3,594 |
| Equity capital to assets | 8.3903% | 3,129 |
| Core capital (leverage) ratio | 10.2222% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,446,881,600 | 733 |
| Average earning assets | $1,340,343,800 | 727 |
| Average equity | $119,033,800 | 829 |
| Average total loans | $1,009,517,800 | 722 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,234 |
| Cost of funding earning assets | 0.9802% | 3,089 |
| Net interest margin | 2.6996% | 3,880 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.5765% | 2,011 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2826% | 4,134 |
| Return on assets (ROA) | 0.2826% | 4,138 |
| Pretax return on assets | 0.3033% | 4,164 |
| Return on Equity (ROE) | 3.4500% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.4530% | 3,400 |
| Net charge-offs to loans | 0.0051% | 2,283 |
| Credit loss provision to net charge-offs | 1,052.6316% | 390 |
| Earnings coverage of net charge-offs (x) | 96.2895% | 935 |
| Efficiency ratio | 88.3248% | 433 |
| Assets per employee ($millions) | 7.7782% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 3,956 |
| Loan loss allowance to noncurrent loans | 181.9408% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,748 |
| Noncurrent loans to loans | 0.4471% | 1,706 |
| Net loans and leases to total assets | 70.4700% | 1,771 |
| Net loans and leases to deposits | 89.0465% | 1,302 |
| Net loans and leases to core deposits | 92.4849% | 1,766 |
| Total domestic deposits to total assets | 79.1400% | 3,671 |
| Equity capital to assets | 7.9210% | 3,106 |
| Core capital (leverage) ratio | 10.4575% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,432,426,500 | 740 |
| Average earning assets | $1,325,674,750 | 733 |
| Average equity | $117,230,000 | 838 |
| Average total loans | $1,001,979,250 | 723 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 4,263 |
| Cost of funding earning assets | 0.8292% | 3,133 |
| Net interest margin | 2.7602% | 3,889 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.5491% | 2,075 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3397% | 4,101 |
| Return on assets (ROA) | 0.3397% | 4,124 |
| Pretax return on assets | 0.3771% | 4,149 |
| Return on Equity (ROE) | 4.1100% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.1064% | 3,191 |
| Net charge-offs to loans | 0.0036% | 2,181 |
| Credit loss provision to net charge-offs | 1,666.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 166.2222% | 699 |
| Efficiency ratio | 85.8788% | 500 |
| Assets per employee ($millions) | 7.5006% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 3,978 |
| Loan loss allowance to noncurrent loans | 185.1140% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,688 |
| Noncurrent loans to loans | 0.4417% | 1,618 |
| Net loans and leases to total assets | 69.0400% | 1,851 |
| Net loans and leases to deposits | 88.4711% | 1,304 |
| Net loans and leases to core deposits | 91.4559% | 1,715 |
| Total domestic deposits to total assets | 78.0300% | 3,844 |
| Equity capital to assets | 8.1906% | 3,090 |
| Core capital (leverage) ratio | 10.5867% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,427,654,667 | 732 |
| Average earning assets | $1,322,215,333 | 724 |
| Average equity | $118,108,000 | 824 |
| Average total loans | $993,343,000 | 714 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 4,262 |
| Cost of funding earning assets | 0.5530% | 3,524 |
| Net interest margin | 2.9488% | 3,700 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.5716% | 2,045 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.4543% | 3,994 |
| Return on assets (ROA) | 0.4543% | 3,945 |
| Pretax return on assets | 0.5211% | 3,964 |
| Return on Equity (ROE) | 5.4600% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.4640% | 2,902 |
| Net charge-offs to loans | 0.0094% | 1,593 |
| Credit loss provision to net charge-offs | 652.1739% | 477 |
| Earnings coverage of net charge-offs (x) | 86.6087% | 857 |
| Efficiency ratio | 82.0249% | 699 |
| Assets per employee ($millions) | 7.5191% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,056 |
| Loan loss allowance to noncurrent loans | 339.3319% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,323 |
| Noncurrent loans to loans | 0.2411% | 2,294 |
| Net loans and leases to total assets | 69.7000% | 1,656 |
| Net loans and leases to deposits | 87.4713% | 1,255 |
| Net loans and leases to core deposits | 89.3974% | 1,656 |
| Total domestic deposits to total assets | 79.6800% | 3,808 |
| Equity capital to assets | 8.5740% | 2,836 |
| Core capital (leverage) ratio | 10.7634% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,413,919,000 | 751 |
| Average earning assets | $1,310,635,500 | 744 |
| Average equity | $117,570,000 | 837 |
| Average total loans | $983,576,000 | 737 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3198% | 3,538 |
| Cost of funding earning assets | 0.2039% | 3,723 |
| Net interest margin | 3.1159% | 3,126 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.4461% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7064% | 3,603 |
| Return on assets (ROA) | 0.7064% | 3,548 |
| Pretax return on assets | 0.8445% | 3,501 |
| Return on Equity (ROE) | 8.3300% | 3,303 |
| Retained earnings to average equity (ytd only) | 8.3337% | 1,710 |
| Net charge-offs to loans | 0.0080% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 158.0132% | 763 |
| Efficiency ratio | 74.3365% | 1,181 |
| Assets per employee ($millions) | 7.4828% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 2,974 |
| Loan loss allowance to noncurrent loans | 428.2697% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,325 |
| Noncurrent loans to loans | 0.2528% | 2,255 |
| Net loans and leases to total assets | 68.1100% | 1,819 |
| Net loans and leases to deposits | 81.2528% | 1,675 |
| Net loans and leases to core deposits | 83.8168% | 1,886 |
| Total domestic deposits to total assets | 83.8200% | 3,248 |
| Equity capital to assets | 8.0565% | 3,031 |
| Core capital (leverage) ratio | 10.3392% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,422,078,800 | 734 |
| Average earning assets | $1,327,838,600 | 725 |
| Average equity | $120,547,200 | 811 |
| Average total loans | $955,221,400 | 715 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 3,333 |
| Cost of funding earning assets | 0.1640% | 3,692 |
| Net interest margin | 3.0766% | 2,999 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.4191% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6987% | 3,570 |
| Return on assets (ROA) | 0.6987% | 3,531 |
| Pretax return on assets | 0.8369% | 3,497 |
| Return on Equity (ROE) | 8.1400% | 3,285 |
| Retained earnings to average equity (ytd only) | 8.1428% | 1,945 |
| Net charge-offs to loans | 0.0081% | 1,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 154.1207% | 737 |
| Efficiency ratio | 74.2955% | 1,247 |
| Assets per employee ($millions) | 7.6764% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,013 |
| Loan loss allowance to noncurrent loans | 429.8738% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 2,395 |
| Noncurrent loans to loans | 0.2560% | 2,352 |
| Net loans and leases to total assets | 65.7700% | 1,912 |
| Net loans and leases to deposits | 76.1611% | 1,864 |
| Net loans and leases to core deposits | 79.6886% | 1,924 |
| Total domestic deposits to total assets | 86.3600% | 2,966 |
| Equity capital to assets | 7.4606% | 3,242 |
| Core capital (leverage) ratio | 10.0655% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,424,034,750 | 739 |
| Average earning assets | $1,332,603,750 | 727 |
| Average equity | $122,199,000 | 810 |
| Average total loans | $950,579,500 | 717 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 3,128 |
| Cost of funding earning assets | 0.1388% | 3,725 |
| Net interest margin | 3.0364% | 2,776 |
| Noninterest income to average assets | 0.3803% | 2,870 |
| Noninterest expense to average assets | 2.3762% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7076% | 3,287 |
| Return on assets (ROA) | 0.7076% | 3,237 |
| Pretax return on assets | 0.8487% | 3,208 |
| Return on Equity (ROE) | 7.8966% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.8966% | 1,658 |
| Net charge-offs to loans | 0.0055% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 231.3846% | 491 |
| Efficiency ratio | 73.6821% | 1,550 |
| Assets per employee ($millions) | 8.0708% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,176 |
| Loan loss allowance to noncurrent loans | 393.0983% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,415 |
| Noncurrent loans to loans | 0.2790% | 2,349 |
| Net loans and leases to total assets | 66.4987% | 1,631 |
| Net loans and leases to deposits | 77.3744% | 1,584 |
| Net loans and leases to core deposits | 81.3236% | 1,636 |
| Total domestic deposits to total assets | 85.9440% | 3,262 |
| Equity capital to assets | 8.1668% | 2,996 |
| Core capital (leverage) ratio | 10.0234% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,417,660,333 | 734 |
| Average earning assets | $1,328,086,000 | 726 |
| Average equity | $127,042,667 | 791 |
| Average total loans | $947,528,667 | 700 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1025% | 2,977 |
| Cost of funding earning assets | 0.1327% | 3,732 |
| Net interest margin | 2.9698% | 2,597 |
| Noninterest income to average assets | 0.3727% | 2,857 |
| Noninterest expense to average assets | 2.3696% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6621% | 3,187 |
| Return on assets (ROA) | 0.6621% | 3,169 |
| Pretax return on assets | 0.7885% | 3,144 |
| Return on Equity (ROE) | 7.0689% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.0689% | 1,874 |
| Net charge-offs to loans | 0.0038% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 308.4444% | 311 |
| Efficiency ratio | 75.0315% | 1,629 |
| Assets per employee ($millions) | 7.6876% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,297 |
| Loan loss allowance to noncurrent loans | 189.8551% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,518 |
| Noncurrent loans to loans | 0.5835% | 1,590 |
| Net loans and leases to total assets | 66.9671% | 1,312 |
| Net loans and leases to deposits | 78.9757% | 1,211 |
| Net loans and leases to core deposits | 83.0572% | 1,294 |
| Total domestic deposits to total assets | 84.7945% | 3,588 |
| Equity capital to assets | 8.7560% | 2,924 |
| Core capital (leverage) ratio | 10.2022% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,408,190,500 | 739 |
| Average earning assets | $1,320,756,500 | 731 |
| Average equity | $131,902,000 | 777 |
| Average total loans | $938,336,000 | 696 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 2,869 |
| Cost of funding earning assets | 0.1813% | 3,645 |
| Net interest margin | 3.2432% | 2,477 |
| Noninterest income to average assets | 0.4200% | 2,945 |
| Noninterest expense to average assets | 2.4821% | 2,235 |
| Loan and lease loss provision to assets | -0.0528% | 4,362 |
| Net operating income to assets | 0.8547% | 3,171 |
| Return on assets (ROA) | 0.8561% | 3,234 |
| Pretax return on assets | 1.0429% | 3,147 |
| Return on Equity (ROE) | 8.2745% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.2745% | 1,430 |
| Net charge-offs to loans | -0.0052% | 3,562 |
| Credit loss provision to net charge-offs | 1,458.3333% | 397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5196% | 1,562 |
| Assets per employee ($millions) | 7.5369% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,099 |
| Loan loss allowance to noncurrent loans | 199.6053% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 1,709 |
| Noncurrent loans to loans | 0.5790% | 1,693 |
| Net loans and leases to total assets | 64.7838% | 1,613 |
| Net loans and leases to deposits | 77.6817% | 1,424 |
| Net loans and leases to core deposits | 81.9311% | 1,464 |
| Total domestic deposits to total assets | 83.3965% | 3,722 |
| Equity capital to assets | 9.9831% | 2,668 |
| Core capital (leverage) ratio | 10.0586% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,324,861,200 | 753 |
| Average earning assets | $1,246,121,800 | 747 |
| Average equity | $137,072,000 | 764 |
| Average total loans | $920,889,600 | 706 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 3,062 |
| Cost of funding earning assets | 0.1934% | 3,685 |
| Net interest margin | 3.2197% | 2,673 |
| Noninterest income to average assets | 0.4230% | 2,963 |
| Noninterest expense to average assets | 2.4725% | 2,199 |
| Loan and lease loss provision to assets | -0.0715% | 4,525 |
| Net operating income to assets | 0.8612% | 3,347 |
| Return on assets (ROA) | 0.8630% | 3,410 |
| Pretax return on assets | 1.0533% | 3,314 |
| Return on Equity (ROE) | 8.2637% | 3,329 |
| Retained earnings to average equity (ytd only) | 8.2637% | 1,970 |
| Net charge-offs to loans | -0.0096% | 3,656 |
| Credit loss provision to net charge-offs | 1,060.6061% | 499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6238% | 1,437 |
| Assets per employee ($millions) | 7.3880% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,171 |
| Loan loss allowance to noncurrent loans | 380.2001% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 2,767 |
| Noncurrent loans to loans | 0.3049% | 2,702 |
| Net loans and leases to total assets | 66.0136% | 1,546 |
| Net loans and leases to deposits | 79.3026% | 1,350 |
| Net loans and leases to core deposits | 84.3457% | 1,398 |
| Total domestic deposits to total assets | 83.2427% | 3,645 |
| Equity capital to assets | 10.1201% | 2,786 |
| Core capital (leverage) ratio | 10.1682% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,305,608,750 | 773 |
| Average earning assets | $1,228,290,500 | 766 |
| Average equity | $136,352,500 | 782 |
| Average total loans | $921,410,750 | 723 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 2,982 |
| Cost of funding earning assets | 0.2052% | 3,697 |
| Net interest margin | 3.2630% | 2,571 |
| Noninterest income to average assets | 0.4420% | 2,892 |
| Noninterest expense to average assets | 2.5384% | 2,029 |
| Loan and lease loss provision to assets | -0.1091% | 4,642 |
| Net operating income to assets | 0.8873% | 3,255 |
| Return on assets (ROA) | 0.8873% | 3,331 |
| Pretax return on assets | 1.0794% | 3,277 |
| Return on Equity (ROE) | 8.4032% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.4032% | 1,935 |
| Net charge-offs to loans | -0.0180% | 3,943 |
| Credit loss provision to net charge-offs | 843.3735% | 520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3471% | 1,398 |
| Assets per employee ($millions) | 7.5181% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,169 |
| Loan loss allowance to noncurrent loans | 356.5261% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,806 |
| Noncurrent loans to loans | 0.3237% | 2,759 |
| Net loans and leases to total assets | 68.5622% | 1,375 |
| Net loans and leases to deposits | 82.4479% | 1,183 |
| Net loans and leases to core deposits | 87.5995% | 1,299 |
| Total domestic deposits to total assets | 83.1582% | 3,671 |
| Equity capital to assets | 10.3672% | 2,523 |
| Core capital (leverage) ratio | 10.2774% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,282,757,667 | 786 |
| Average earning assets | $1,205,561,333 | 775 |
| Average equity | $135,448,000 | 781 |
| Average total loans | $922,623,667 | 727 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 2,928 |
| Cost of funding earning assets | 0.2247% | 3,682 |
| Net interest margin | 3.2734% | 2,471 |
| Noninterest income to average assets | 0.3584% | 3,295 |
| Noninterest expense to average assets | 2.4719% | 2,258 |
| Loan and lease loss provision to assets | 0.0477% | 2,126 |
| Net operating income to assets | 0.7509% | 3,575 |
| Return on assets (ROA) | 0.7509% | 3,644 |
| Pretax return on assets | 0.9120% | 3,576 |
| Return on Equity (ROE) | 7.0436% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.0436% | 2,564 |
| Net charge-offs to loans | -0.0182% | 3,949 |
| Credit loss provision to net charge-offs | -357.1429% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0344% | 1,495 |
| Assets per employee ($millions) | 7.5346% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,695 |
| Loan loss allowance to noncurrent loans | 363.4432% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 2,670 |
| Noncurrent loans to loans | 0.3423% | 2,875 |
| Net loans and leases to total assets | 69.8138% | 1,319 |
| Net loans and leases to deposits | 84.1520% | 1,131 |
| Net loans and leases to core deposits | 89.9891% | 1,233 |
| Total domestic deposits to total assets | 82.9616% | 3,694 |
| Equity capital to assets | 10.2259% | 2,499 |
| Core capital (leverage) ratio | 10.6441% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,258,781,500 | 790 |
| Average earning assets | $1,181,758,000 | 778 |
| Average equity | $134,193,500 | 781 |
| Average total loans | $922,427,000 | 725 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 3,328 |
| Cost of funding earning assets | 0.5521% | 2,598 |
| Net interest margin | 3.2390% | 3,251 |
| Noninterest income to average assets | 0.4083% | 3,052 |
| Noninterest expense to average assets | 2.6015% | 2,543 |
| Loan and lease loss provision to assets | 0.2247% | 1,737 |
| Net operating income to assets | 0.5094% | 4,011 |
| Return on assets (ROA) | 0.5094% | 4,094 |
| Pretax return on assets | 0.6071% | 4,066 |
| Return on Equity (ROE) | 4.4474% | 4,041 |
| Retained earnings to average equity (ytd only) | 4.4474% | 2,567 |
| Net charge-offs to loans | 0.0041% | 3,216 |
| Credit loss provision to net charge-offs | 6,967.5676% | 156 |
| Earnings coverage of net charge-offs (x) | 257.9459% | 390 |
| Efficiency ratio | 75.7717% | 1,259 |
| Assets per employee ($millions) | 7.3581% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,837 |
| Loan loss allowance to noncurrent loans | 323.8793% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 2,618 |
| Noncurrent loans to loans | 0.3769% | 2,853 |
| Net loans and leases to total assets | 75.1276% | 886 |
| Net loans and leases to deposits | 91.8967% | 785 |
| Net loans and leases to core deposits | 99.5133% | 924 |
| Total domestic deposits to total assets | 81.7522% | 3,719 |
| Equity capital to assets | 11.1273% | 2,152 |
| Core capital (leverage) ratio | 10.6449% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,147,348,000 | 784 |
| Average earning assets | $1,071,541,600 | 768 |
| Average equity | $131,426,400 | 757 |
| Average total loans | $897,908,000 | 714 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 3,182 |
| Cost of funding earning assets | 0.6306% | 2,427 |
| Net interest margin | 3.2927% | 3,219 |
| Noninterest income to average assets | 0.4074% | 3,041 |
| Noninterest expense to average assets | 2.6359% | 2,430 |
| Loan and lease loss provision to assets | 0.3040% | 1,328 |
| Net operating income to assets | 0.4593% | 4,150 |
| Return on assets (ROA) | 0.4593% | 4,217 |
| Pretax return on assets | 0.5396% | 4,210 |
| Return on Equity (ROE) | 3.9792% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.9792% | 3,060 |
| Net charge-offs to loans | 0.0009% | 3,209 |
| Credit loss provision to net charge-offs | 42,966.6667% | 25 |
| Earnings coverage of net charge-offs (x) | 1,192.3333% | 97 |
| Efficiency ratio | 75.7549% | 1,223 |
| Assets per employee ($millions) | 7.4879% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,641 |
| Loan loss allowance to noncurrent loans | 422.0687% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,343 |
| Noncurrent loans to loans | 0.2852% | 3,265 |
| Net loans and leases to total assets | 76.0160% | 1,095 |
| Net loans and leases to deposits | 93.7800% | 940 |
| Net loans and leases to core deposits | 101.7736% | 1,042 |
| Total domestic deposits to total assets | 81.0578% | 3,647 |
| Equity capital to assets | 10.9483% | 2,431 |
| Core capital (leverage) ratio | 10.6945% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,130,665,000 | 782 |
| Average earning assets | $1,054,920,750 | 764 |
| Average equity | $130,509,500 | 755 |
| Average total loans | $891,540,000 | 712 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 3,359 |
| Cost of funding earning assets | 0.7364% | 2,193 |
| Net interest margin | 3.2510% | 3,520 |
| Noninterest income to average assets | 0.4210% | 2,967 |
| Noninterest expense to average assets | 2.7479% | 2,226 |
| Loan and lease loss provision to assets | 0.4139% | 963 |
| Net operating income to assets | 0.2626% | 4,478 |
| Return on assets (ROA) | 0.2626% | 4,520 |
| Pretax return on assets | 0.2873% | 4,553 |
| Return on Equity (ROE) | 2.2322% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.2322% | 3,668 |
| Net charge-offs to loans | 0.0016% | 2,967 |
| Credit loss provision to net charge-offs | 32,542.8571% | 36 |
| Earnings coverage of net charge-offs (x) | 551.2857% | 188 |
| Efficiency ratio | 79.6702% | 917 |
| Assets per employee ($millions) | 7.0791% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,601 |
| Loan loss allowance to noncurrent loans | 503.0178% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 3,606 |
| Noncurrent loans to loans | 0.2352% | 3,532 |
| Net loans and leases to total assets | 78.1984% | 824 |
| Net loans and leases to deposits | 98.2225% | 645 |
| Net loans and leases to core deposits | 106.7972% | 856 |
| Total domestic deposits to total assets | 79.6136% | 3,913 |
| Equity capital to assets | 11.2038% | 2,177 |
| Core capital (leverage) ratio | 10.9569% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,100,709,333 | 790 |
| Average earning assets | $1,025,228,333 | 770 |
| Average equity | $129,470,333 | 757 |
| Average total loans | $875,686,000 | 711 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,798 |
| Cost of funding earning assets | 0.8360% | 2,196 |
| Net interest margin | 3.1594% | 3,962 |
| Noninterest income to average assets | 0.4758% | 2,677 |
| Noninterest expense to average assets | 2.8276% | 2,349 |
| Loan and lease loss provision to assets | 0.0658% | 2,942 |
| Net operating income to assets | 0.4480% | 4,022 |
| Return on assets (ROA) | 0.4480% | 4,075 |
| Pretax return on assets | 0.5175% | 4,091 |
| Return on Equity (ROE) | 3.7110% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.7110% | 2,800 |
| Net charge-offs to loans | 0.0033% | 2,471 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 221.5714% | 314 |
| Efficiency ratio | 82.8978% | 908 |
| Assets per employee ($millions) | 6.3569% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,466 |
| Loan loss allowance to noncurrent loans | 372.3013% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,575 |
| Noncurrent loans to loans | 0.2809% | 3,484 |
| Net loans and leases to total assets | 78.8322% | 853 |
| Net loans and leases to deposits | 100.7298% | 509 |
| Net loans and leases to core deposits | 109.7642% | 857 |
| Total domestic deposits to total assets | 78.2610% | 4,173 |
| Equity capital to assets | 12.2537% | 1,884 |
| Core capital (leverage) ratio | 11.8411% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,063,499,500 | 781 |
| Average earning assets | $988,028,000 | 765 |
| Average equity | $128,376,000 | 757 |
| Average total loans | $848,562,500 | 708 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 4,052 |
| Cost of funding earning assets | 0.9646% | 1,885 |
| Net interest margin | 3.1305% | 4,323 |
| Noninterest income to average assets | 0.4983% | 2,755 |
| Noninterest expense to average assets | 2.6137% | 3,137 |
| Loan and lease loss provision to assets | 0.0403% | 3,206 |
| Net operating income to assets | 0.6392% | 4,043 |
| Return on assets (ROA) | 0.6340% | 4,128 |
| Pretax return on assets | 0.7358% | 4,123 |
| Return on Equity (ROE) | 5.4379% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.3761% | 2,234 |
| Net charge-offs to loans | 0.0191% | 3,042 |
| Credit loss provision to net charge-offs | 267.5159% | 1,038 |
| Earnings coverage of net charge-offs (x) | 51.9363% | 1,100 |
| Efficiency ratio | 76.9648% | 1,269 |
| Assets per employee ($millions) | 6.4184% | 1,339 |
| Cash dividends to net income (ytd only)* | 1.1350% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,313 |
| Loan loss allowance to noncurrent loans | 400.1375% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,640 |
| Noncurrent loans to loans | 0.2578% | 3,526 |
| Net loans and leases to total assets | 79.0905% | 919 |
| Net loans and leases to deposits | 101.5493% | 497 |
| Net loans and leases to core deposits | 110.6418% | 821 |
| Total domestic deposits to total assets | 77.8839% | 4,380 |
| Equity capital to assets | 11.8870% | 2,210 |
| Core capital (leverage) ratio | 11.8138% | 1,887 |
| Tier 1 risk-based capital ratio | 16.2490% | 2,314 |
| Total risk-based capital ratio | 17.4453% | 2,281 |
| Memoranda: | ||
| Average total assets | $1,042,342,600 | 753 |
| Average earning assets | $964,834,400 | 747 |
| Average equity | $121,518,200 | 752 |
| Average total loans | $820,028,600 | 698 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 4,138 |
| Cost of funding earning assets | 0.9853% | 1,827 |
| Net interest margin | 3.1216% | 4,440 |
| Noninterest income to average assets | 0.4934% | 2,773 |
| Noninterest expense to average assets | 2.6127% | 3,133 |
| Loan and lease loss provision to assets | 0.0405% | 3,098 |
| Net operating income to assets | 0.6309% | 4,214 |
| Return on assets (ROA) | 0.6238% | 4,283 |
| Pretax return on assets | 0.7188% | 4,300 |
| Return on Equity (ROE) | 5.3774% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.2944% | 2,737 |
| Net charge-offs to loans | 0.0056% | 3,192 |
| Credit loss provision to net charge-offs | 926.4706% | 382 |
| Earnings coverage of net charge-offs (x) | 175.7732% | 487 |
| Efficiency ratio | 77.2948% | 1,179 |
| Assets per employee ($millions) | 6.4650% | 1,289 |
| Cash dividends to net income (ytd only)* | 1.5442% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,291 |
| Loan loss allowance to noncurrent loans | 170.4599% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 2,578 |
| Noncurrent loans to loans | 0.6155% | 2,436 |
| Net loans and leases to total assets | 78.2894% | 1,095 |
| Net loans and leases to deposits | 98.6107% | 759 |
| Net loans and leases to core deposits | 107.5461% | 1,078 |
| Total domestic deposits to total assets | 79.3923% | 4,100 |
| Equity capital to assets | 11.8276% | 2,392 |
| Core capital (leverage) ratio | 11.7804% | 2,013 |
| Tier 1 risk-based capital ratio | 16.0576% | 2,405 |
| Total risk-based capital ratio | 17.2590% | 2,369 |
| Memoranda: | ||
| Average total assets | $1,038,170,000 | 757 |
| Average earning assets | $960,074,000 | 752 |
| Average equity | $120,426,000 | 756 |
| Average total loans | $813,454,250 | 705 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 4,184 |
| Cost of funding earning assets | 0.9712% | 1,823 |
| Net interest margin | 3.1200% | 4,499 |
| Noninterest income to average assets | 0.4912% | 2,721 |
| Noninterest expense to average assets | 2.6332% | 3,108 |
| Loan and lease loss provision to assets | 0.0407% | 2,999 |
| Net operating income to assets | 0.6129% | 4,276 |
| Return on assets (ROA) | 0.6022% | 4,343 |
| Pretax return on assets | 0.6910% | 4,351 |
| Return on Equity (ROE) | 5.2259% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.2259% | 2,653 |
| Net charge-offs to loans | 0.0032% | 3,050 |
| Credit loss provision to net charge-offs | 1,615.3846% | 229 |
| Earnings coverage of net charge-offs (x) | 295.6154% | 269 |
| Efficiency ratio | 77.9682% | 1,156 |
| Assets per employee ($millions) | 6.5027% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,301 |
| Loan loss allowance to noncurrent loans | 162.8690% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 2,484 |
| Noncurrent loans to loans | 0.6488% | 2,324 |
| Net loans and leases to total assets | 78.4553% | 1,138 |
| Net loans and leases to deposits | 100.1228% | 671 |
| Net loans and leases to core deposits | 108.9930% | 1,035 |
| Total domestic deposits to total assets | 78.3591% | 4,337 |
| Equity capital to assets | 11.8098% | 2,333 |
| Core capital (leverage) ratio | 11.6844% | 2,032 |
| Tier 1 risk-based capital ratio | 15.9971% | 2,413 |
| Total risk-based capital ratio | 17.2004% | 2,382 |
| Memoranda: | ||
| Average total assets | $1,032,961,000 | 758 |
| Average earning assets | $955,507,670 | 753 |
| Average equity | $119,021,670 | 753 |
| Average total loans | $806,686,000 | 711 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 4,194 |
| Cost of funding earning assets | 0.9413% | 1,829 |
| Net interest margin | 3.1345% | 4,523 |
| Noninterest income to average assets | 0.4455% | 2,870 |
| Noninterest expense to average assets | 2.6329% | 3,110 |
| Loan and lease loss provision to assets | 0.0407% | 2,812 |
| Net operating income to assets | 0.5827% | 4,294 |
| Return on assets (ROA) | 0.5827% | 4,327 |
| Pretax return on assets | 0.6695% | 4,373 |
| Return on Equity (ROE) | 5.1209% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.1209% | 2,853 |
| Net charge-offs to loans | 0.0040% | 2,580 |
| Credit loss provision to net charge-offs | 1,312.5000% | 294 |
| Earnings coverage of net charge-offs (x) | 229.1250% | 344 |
| Efficiency ratio | 78.7577% | 1,187 |
| Assets per employee ($millions) | 6.3682% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,304 |
| Loan loss allowance to noncurrent loans | 159.6272% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 2,533 |
| Noncurrent loans to loans | 0.6699% | 2,342 |
| Net loans and leases to total assets | 76.8045% | 1,345 |
| Net loans and leases to deposits | 97.7718% | 802 |
| Net loans and leases to core deposits | 106.6019% | 1,130 |
| Total domestic deposits to total assets | 78.5549% | 4,423 |
| Equity capital to assets | 11.5101% | 2,387 |
| Core capital (leverage) ratio | 11.5897% | 2,063 |
| Tier 1 risk-based capital ratio | 16.2459% | 2,355 |
| Total risk-based capital ratio | 17.4697% | 2,307 |
| Memoranda: | ||
| Average total assets | $1,032,476,500 | 761 |
| Average earning assets | $954,406,000 | 758 |
| Average equity | $117,480,000 | 760 |
| Average total loans | $800,111,000 | 721 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 4,060 |
| Cost of funding earning assets | 0.7551% | 1,760 |
| Net interest margin | 3.2345% | 4,419 |
| Noninterest income to average assets | 0.5084% | 2,785 |
| Noninterest expense to average assets | 2.7194% | 2,963 |
| Loan and lease loss provision to assets | 0.0633% | 2,896 |
| Net operating income to assets | 0.6131% | 4,376 |
| Return on assets (ROA) | 0.6131% | 4,387 |
| Pretax return on assets | 0.7055% | 4,403 |
| Return on Equity (ROE) | 5.3606% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.3252% | 2,582 |
| Net charge-offs to loans | 0.0220% | 2,984 |
| Credit loss provision to net charge-offs | 365.4971% | 876 |
| Earnings coverage of net charge-offs (x) | 44.3860% | 1,219 |
| Efficiency ratio | 77.9598% | 1,134 |
| Assets per employee ($millions) | 6.4581% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.6608% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,325 |
| Loan loss allowance to noncurrent loans | 178.8929% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,687 |
| Noncurrent loans to loans | 0.5921% | 2,513 |
| Net loans and leases to total assets | 76.5349% | 1,515 |
| Net loans and leases to deposits | 99.0288% | 819 |
| Net loans and leases to core deposits | 107.8759% | 1,124 |
| Total domestic deposits to total assets | 77.2855% | 4,590 |
| Equity capital to assets | 11.2471% | 2,471 |
| Core capital (leverage) ratio | 11.5254% | 2,085 |
| Tier 1 risk-based capital ratio | 16.0184% | 2,395 |
| Total risk-based capital ratio | 17.2273% | 2,355 |
| Memoranda: | ||
| Average total assets | $987,249,600 | 778 |
| Average earning assets | $909,495,800 | 777 |
| Average equity | $112,916,600 | 755 |
| Average total loans | $775,604,800 | 718 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 4,043 |
| Cost of funding earning assets | 0.7029% | 1,829 |
| Net interest margin | 3.2577% | 4,386 |
| Noninterest income to average assets | 0.5098% | 2,806 |
| Noninterest expense to average assets | 2.7003% | 2,981 |
| Loan and lease loss provision to assets | 0.0820% | 2,311 |
| Net operating income to assets | 0.6142% | 4,463 |
| Return on assets (ROA) | 0.6142% | 4,468 |
| Pretax return on assets | 0.7263% | 4,475 |
| Return on Equity (ROE) | 5.3467% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.3467% | 3,035 |
| Net charge-offs to loans | 0.0232% | 2,672 |
| Credit loss provision to net charge-offs | 447.7612% | 764 |
| Earnings coverage of net charge-offs (x) | 44.1423% | 1,271 |
| Efficiency ratio | 76.9629% | 1,234 |
| Assets per employee ($millions) | 6.3817% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,353 |
| Loan loss allowance to noncurrent loans | 180.7118% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,800 |
| Noncurrent loans to loans | 0.5922% | 2,605 |
| Net loans and leases to total assets | 77.2529% | 1,455 |
| Net loans and leases to deposits | 102.0653% | 648 |
| Net loans and leases to core deposits | 111.2285% | 956 |
| Total domestic deposits to total assets | 75.6897% | 4,822 |
| Equity capital to assets | 11.1735% | 2,505 |
| Core capital (leverage) ratio | 11.6598% | 2,041 |
| Tier 1 risk-based capital ratio | 15.9108% | 2,479 |
| Total risk-based capital ratio | 17.1289% | 2,425 |
| Memoranda: | ||
| Average total assets | $975,736,750 | 785 |
| Average earning assets | $898,143,750 | 781 |
| Average equity | $112,091,750 | 758 |
| Average total loans | $769,680,250 | 719 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 4,039 |
| Cost of funding earning assets | 0.6245% | 2,078 |
| Net interest margin | 3.2880% | 4,286 |
| Noninterest income to average assets | 0.5050% | 2,833 |
| Noninterest expense to average assets | 2.7536% | 2,836 |
| Loan and lease loss provision to assets | 0.0831% | 2,250 |
| Net operating income to assets | 0.5833% | 4,549 |
| Return on assets (ROA) | 0.5833% | 4,545 |
| Pretax return on assets | 0.6947% | 4,530 |
| Return on Equity (ROE) | 5.0294% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.0294% | 3,061 |
| Net charge-offs to loans | 0.0320% | 2,213 |
| Credit loss provision to net charge-offs | 327.8689% | 945 |
| Earnings coverage of net charge-offs (x) | 30.6885% | 1,482 |
| Efficiency ratio | 77.9752% | 1,199 |
| Assets per employee ($millions) | 6.1548% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,433 |
| Loan loss allowance to noncurrent loans | 161.8583% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 2,612 |
| Noncurrent loans to loans | 0.6613% | 2,460 |
| Net loans and leases to total assets | 78.8155% | 1,191 |
| Net loans and leases to deposits | 107.7428% | 361 |
| Net loans and leases to core deposits | 116.5882% | 686 |
| Total domestic deposits to total assets | 73.1515% | 5,112 |
| Equity capital to assets | 11.5399% | 2,169 |
| Core capital (leverage) ratio | 11.8622% | 1,793 |
| Tier 1 risk-based capital ratio | 15.9540% | 2,452 |
| Total risk-based capital ratio | 17.1673% | 2,409 |
| Memoranda: | ||
| Average total assets | $962,750,330 | 797 |
| Average earning assets | $886,122,000 | 792 |
| Average equity | $111,663,330 | 761 |
| Average total loans | $762,120,000 | 727 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 4,023 |
| Cost of funding earning assets | 0.5630% | 2,295 |
| Net interest margin | 3.3047% | 4,177 |
| Noninterest income to average assets | 0.4919% | 2,853 |
| Noninterest expense to average assets | 2.7201% | 2,975 |
| Loan and lease loss provision to assets | 0.0835% | 2,129 |
| Net operating income to assets | 0.6097% | 4,401 |
| Return on assets (ROA) | 0.6097% | 4,406 |
| Pretax return on assets | 0.7299% | 4,357 |
| Return on Equity (ROE) | 5.2431% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.2431% | 3,064 |
| Net charge-offs to loans | 0.0228% | 2,051 |
| Credit loss provision to net charge-offs | 465.1163% | 627 |
| Earnings coverage of net charge-offs (x) | 45.3023% | 992 |
| Efficiency ratio | 76.9794% | 1,465 |
| Assets per employee ($millions) | 5.9406% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,520 |
| Loan loss allowance to noncurrent loans | 153.3884% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,639 |
| Noncurrent loans to loans | 0.7018% | 2,456 |
| Net loans and leases to total assets | 78.5068% | 1,159 |
| Net loans and leases to deposits | 103.6962% | 496 |
| Net loans and leases to core deposits | 112.9330% | 846 |
| Total domestic deposits to total assets | 75.7085% | 4,996 |
| Equity capital to assets | 11.6510% | 2,029 |
| Core capital (leverage) ratio | 11.8675% | 1,740 |
| Tier 1 risk-based capital ratio | 16.2020% | 2,388 |
| Total risk-based capital ratio | 17.4316% | 2,353 |
| Memoranda: | ||
| Average total assets | $957,893,500 | 803 |
| Average earning assets | $881,663,500 | 800 |
| Average equity | $111,384,500 | 766 |
| Average total loans | $755,808,000 | 731 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 4,036 |
| Cost of funding earning assets | 0.5556% | 1,904 |
| Net interest margin | 3.2509% | 4,304 |
| Noninterest income to average assets | 0.5193% | 2,883 |
| Noninterest expense to average assets | 2.8024% | 2,764 |
| Loan and lease loss provision to assets | 0.0749% | 2,703 |
| Net operating income to assets | 0.3468% | 4,835 |
| Return on assets (ROA) | 0.3498% | 4,854 |
| Pretax return on assets | 0.6367% | 4,658 |
| Return on Equity (ROE) | 2.9559% | 4,838 |
| Retained earnings to average equity (ytd only) | 2.9559% | 3,531 |
| Net charge-offs to loans | 0.0359% | 3,070 |
| Credit loss provision to net charge-offs | 271.3178% | 1,033 |
| Earnings coverage of net charge-offs (x) | 25.6202% | 1,705 |
| Efficiency ratio | 79.8543% | 1,118 |
| Assets per employee ($millions) | 6.1106% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,519 |
| Loan loss allowance to noncurrent loans | 144.8662% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 2,624 |
| Noncurrent loans to loans | 0.7351% | 2,370 |
| Net loans and leases to total assets | 77.6111% | 1,337 |
| Net loans and leases to deposits | 102.9867% | 547 |
| Net loans and leases to core deposits | 113.2645% | 830 |
| Total domestic deposits to total assets | 75.3604% | 5,049 |
| Equity capital to assets | 11.6052% | 2,111 |
| Core capital (leverage) ratio | 11.7262% | 1,775 |
| Tier 1 risk-based capital ratio | 16.1474% | 2,380 |
| Total risk-based capital ratio | 17.3661% | 2,332 |
| Memoranda: | ||
| Average total assets | $934,939,400 | 797 |
| Average earning assets | $859,942,600 | 796 |
| Average equity | $110,626,600 | 744 |
| Average total loans | $717,822,400 | 733 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,050 |
| Cost of funding earning assets | 0.5459% | 1,925 |
| Net interest margin | 3.2419% | 4,352 |
| Noninterest income to average assets | 0.5133% | 2,952 |
| Noninterest expense to average assets | 2.8166% | 2,674 |
| Loan and lease loss provision to assets | 0.0665% | 2,738 |
| Net operating income to assets | 0.4697% | 4,825 |
| Return on assets (ROA) | 0.4741% | 4,852 |
| Pretax return on assets | 0.6177% | 4,810 |
| Return on Equity (ROE) | 3.9872% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.9872% | 3,556 |
| Net charge-offs to loans | 0.0423% | 2,598 |
| Credit loss provision to net charge-offs | 205.7778% | 1,320 |
| Earnings coverage of net charge-offs (x) | 21.0046% | 1,932 |
| Efficiency ratio | 80.5898% | 1,033 |
| Assets per employee ($millions) | 6.0568% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,725 |
| Loan loss allowance to noncurrent loans | 290.5506% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,905 |
| Noncurrent loans to loans | 0.3652% | 3,643 |
| Net loans and leases to total assets | 76.0956% | 1,580 |
| Net loans and leases to deposits | 101.8027% | 627 |
| Net loans and leases to core deposits | 111.7106% | 936 |
| Total domestic deposits to total assets | 74.7482% | 5,157 |
| Equity capital to assets | 11.7298% | 2,166 |
| Core capital (leverage) ratio | 11.8165% | 1,808 |
| Tier 1 risk-based capital ratio | 16.3363% | 2,367 |
| Total risk-based capital ratio | 17.5391% | 2,339 |
| Memoranda: | ||
| Average total assets | $928,835,000 | 806 |
| Average earning assets | $854,291,750 | 806 |
| Average equity | $110,449,500 | 748 |
| Average total loans | $709,132,500 | 738 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 4,062 |
| Cost of funding earning assets | 0.5302% | 1,914 |
| Net interest margin | 3.2230% | 4,344 |
| Noninterest income to average assets | 0.5225% | 2,879 |
| Noninterest expense to average assets | 2.8154% | 2,697 |
| Loan and lease loss provision to assets | 0.0489% | 3,011 |
| Net operating income to assets | 0.4836% | 4,746 |
| Return on assets (ROA) | 0.4903% | 4,766 |
| Pretax return on assets | 0.6341% | 4,733 |
| Return on Equity (ROE) | 4.1038% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,263 |
| Net charge-offs to loans | 0.0360% | 2,474 |
| Credit loss provision to net charge-offs | 178.5714% | 1,362 |
| Earnings coverage of net charge-offs (x) | 24.6032% | 1,635 |
| Efficiency ratio | 80.6769% | 1,137 |
| Assets per employee ($millions) | 5.9007% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,782 |
| Loan loss allowance to noncurrent loans | 278.9091% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,904 |
| Noncurrent loans to loans | 0.3807% | 3,656 |
| Net loans and leases to total assets | 76.1778% | 1,521 |
| Net loans and leases to deposits | 104.8371% | 451 |
| Net loans and leases to core deposits | 114.4920% | 778 |
| Total domestic deposits to total assets | 72.6630% | 5,413 |
| Equity capital to assets | 11.8531% | 2,037 |
| Core capital (leverage) ratio | 11.9536% | 1,657 |
| Tier 1 risk-based capital ratio | 16.5480% | 2,300 |
| Total risk-based capital ratio | 17.7569% | 2,268 |
| Memoranda: | ||
| Average total assets | $919,453,330 | 818 |
| Average earning assets | $846,476,670 | 821 |
| Average equity | $109,848,670 | 750 |
| Average total loans | $700,166,670 | 745 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 4,070 |
| Cost of funding earning assets | 0.5110% | 2,000 |
| Net interest margin | 3.2035% | 4,333 |
| Noninterest income to average assets | 0.4997% | 2,981 |
| Noninterest expense to average assets | 2.7554% | 2,939 |
| Loan and lease loss provision to assets | 0.0497% | 2,817 |
| Net operating income to assets | 0.4918% | 4,633 |
| Return on assets (ROA) | 0.4918% | 4,652 |
| Pretax return on assets | 0.6430% | 4,616 |
| Return on Equity (ROE) | 4.1001% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.1001% | 3,410 |
| Net charge-offs to loans | -0.0075% | 4,309 |
| Credit loss provision to net charge-offs | -869.2308% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9108% | 1,397 |
| Assets per employee ($millions) | 5.8671% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,674 |
| Loan loss allowance to noncurrent loans | 231.2406% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 3,746 |
| Noncurrent loans to loans | 0.4788% | 3,372 |
| Net loans and leases to total assets | 75.1177% | 1,557 |
| Net loans and leases to deposits | 103.8967% | 404 |
| Net loans and leases to core deposits | 112.9641% | 728 |
| Total domestic deposits to total assets | 72.3004% | 5,526 |
| Equity capital to assets | 12.0015% | 1,844 |
| Core capital (leverage) ratio | 12.0768% | 1,581 |
| Tier 1 risk-based capital ratio | 16.8768% | 2,223 |
| Total risk-based capital ratio | 18.1267% | 2,188 |
| Memoranda: | ||
| Average total assets | $910,072,000 | 831 |
| Average earning assets | $837,584,000 | 833 |
| Average equity | $109,169,000 | 754 |
| Average total loans | $689,059,000 | 759 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,026 |
| Cost of funding earning assets | 0.5031% | 2,065 |
| Net interest margin | 3.2554% | 4,281 |
| Noninterest income to average assets | 0.5867% | 2,731 |
| Noninterest expense to average assets | 2.8538% | 2,834 |
| Loan and lease loss provision to assets | 0.0856% | 2,648 |
| Net operating income to assets | 0.5158% | 4,569 |
| Return on assets (ROA) | 0.5516% | 4,528 |
| Pretax return on assets | 0.6879% | 4,530 |
| Return on Equity (ROE) | 4.4646% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.4646% | 2,735 |
| Net charge-offs to loans | 0.0277% | 3,478 |
| Credit loss provision to net charge-offs | 418.9944% | 766 |
| Earnings coverage of net charge-offs (x) | 35.6592% | 1,280 |
| Efficiency ratio | 79.6571% | 1,460 |
| Assets per employee ($millions) | 5.7636% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,663 |
| Loan loss allowance to noncurrent loans | 260.1718% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 3,991 |
| Noncurrent loans to loans | 0.4261% | 3,615 |
| Net loans and leases to total assets | 74.6313% | 1,751 |
| Net loans and leases to deposits | 105.5964% | 364 |
| Net loans and leases to core deposits | 114.7160% | 667 |
| Total domestic deposits to total assets | 70.6760% | 5,631 |
| Equity capital to assets | 11.9897% | 1,817 |
| Core capital (leverage) ratio | 12.1066% | 1,533 |
| Tier 1 risk-based capital ratio | 17.1308% | 2,117 |
| Total risk-based capital ratio | 18.3808% | 2,073 |
| Memoranda: | ||
| Average total assets | $875,803,000 | 829 |
| Average earning assets | $806,003,600 | 830 |
| Average equity | $108,207,600 | 741 |
| Average total loans | $647,304,800 | 770 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,066 |
| Cost of funding earning assets | 0.5026% | 2,087 |
| Net interest margin | 3.2518% | 4,341 |
| Noninterest income to average assets | 0.5640% | 2,853 |
| Noninterest expense to average assets | 2.7795% | 3,081 |
| Loan and lease loss provision to assets | 0.0864% | 2,497 |
| Net operating income to assets | 0.5260% | 4,589 |
| Return on assets (ROA) | 0.5866% | 4,459 |
| Pretax return on assets | 0.7714% | 4,407 |
| Return on Equity (ROE) | 4.7112% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.7112% | 3,004 |
| Net charge-offs to loans | 0.0259% | 3,149 |
| Credit loss provision to net charge-offs | 454.0323% | 767 |
| Earnings coverage of net charge-offs (x) | 40.8788% | 1,219 |
| Efficiency ratio | 78.1273% | 1,678 |
| Assets per employee ($millions) | 5.5555% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,671 |
| Loan loss allowance to noncurrent loans | 273.5932% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 4,176 |
| Noncurrent loans to loans | 0.4132% | 3,793 |
| Net loans and leases to total assets | 73.6530% | 1,931 |
| Net loans and leases to deposits | 102.9920% | 504 |
| Net loans and leases to core deposits | 111.7144% | 825 |
| Total domestic deposits to total assets | 71.5134% | 5,619 |
| Equity capital to assets | 12.5306% | 1,758 |
| Core capital (leverage) ratio | 12.2501% | 1,514 |
| Tier 1 risk-based capital ratio | 17.5454% | 2,058 |
| Total risk-based capital ratio | 18.7956% | 2,025 |
| Memoranda: | ||
| Average total assets | $868,533,000 | 834 |
| Average earning assets | $799,587,750 | 836 |
| Average equity | $108,136,250 | 744 |
| Average total loans | $638,406,750 | 777 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,115 |
| Cost of funding earning assets | 0.5055% | 2,059 |
| Net interest margin | 3.2486% | 4,385 |
| Noninterest income to average assets | 0.5419% | 2,945 |
| Noninterest expense to average assets | 2.7821% | 3,082 |
| Loan and lease loss provision to assets | 0.0868% | 2,408 |
| Net operating income to assets | 0.5026% | 4,667 |
| Return on assets (ROA) | 0.5899% | 4,442 |
| Pretax return on assets | 0.7763% | 4,367 |
| Return on Equity (ROE) | 4.7480% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.7480% | 2,899 |
| Net charge-offs to loans | 0.0307% | 2,858 |
| Credit loss provision to net charge-offs | 386.5979% | 794 |
| Earnings coverage of net charge-offs (x) | 33.3093% | 1,310 |
| Efficiency ratio | 78.8048% | 1,677 |
| Assets per employee ($millions) | 5.5088% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,808 |
| Loan loss allowance to noncurrent loans | 241.5865% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 4,110 |
| Noncurrent loans to loans | 0.4657% | 3,697 |
| Net loans and leases to total assets | 73.0279% | 2,010 |
| Net loans and leases to deposits | 103.8583% | 468 |
| Net loans and leases to core deposits | 114.9131% | 685 |
| Total domestic deposits to total assets | 70.3149% | 5,770 |
| Equity capital to assets | 12.5478% | 1,743 |
| Core capital (leverage) ratio | 12.2438% | 1,498 |
| Tier 1 risk-based capital ratio | 17.4537% | 2,081 |
| Total risk-based capital ratio | 18.7036% | 2,046 |
| Memoranda: | ||
| Average total assets | $863,604,000 | 844 |
| Average earning assets | $794,434,000 | 839 |
| Average equity | $107,286,670 | 749 |
| Average total loans | $631,865,330 | 787 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,090 |
| Cost of funding earning assets | 0.5178% | 1,962 |
| Net interest margin | 3.2447% | 4,416 |
| Noninterest income to average assets | 0.5393% | 2,873 |
| Noninterest expense to average assets | 2.8251% | 2,975 |
| Loan and lease loss provision to assets | 0.0877% | 2,222 |
| Net operating income to assets | 0.4650% | 4,759 |
| Return on assets (ROA) | 0.5645% | 4,451 |
| Pretax return on assets | 0.7375% | 4,396 |
| Return on Equity (ROE) | 4.5670% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.5670% | 3,200 |
| Net charge-offs to loans | 0.0160% | 2,619 |
| Credit loss provision to net charge-offs | 752.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 59.6800% | 786 |
| Efficiency ratio | 80.2332% | 1,578 |
| Assets per employee ($millions) | 5.5039% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,765 |
| Loan loss allowance to noncurrent loans | 267.2510% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 4,312 |
| Noncurrent loans to loans | 0.4304% | 3,900 |
| Net loans and leases to total assets | 72.1740% | 2,009 |
| Net loans and leases to deposits | 100.2254% | 612 |
| Net loans and leases to core deposits | 110.5936% | 827 |
| Total domestic deposits to total assets | 72.0116% | 5,770 |
| Equity capital to assets | 12.6308% | 1,600 |
| Core capital (leverage) ratio | 12.2230% | 1,486 |
| Tier 1 risk-based capital ratio | 17.8600% | 2,023 |
| Total risk-based capital ratio | 19.1106% | 1,986 |
| Memoranda: | ||
| Average total assets | $857,456,000 | 851 |
| Average earning assets | $788,004,500 | 848 |
| Average equity | $105,977,000 | 757 |
| Average total loans | $624,333,000 | 790 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,260 |
| Cost of funding earning assets | 0.4993% | 2,162 |
| Net interest margin | 3.2347% | 4,514 |
| Noninterest income to average assets | 0.5764% | 2,851 |
| Noninterest expense to average assets | 2.7667% | 3,360 |
| Loan and lease loss provision to assets | 0.0820% | 2,653 |
| Net operating income to assets | 0.5027% | 4,683 |
| Return on assets (ROA) | 0.5283% | 4,667 |
| Pretax return on assets | 0.7201% | 4,473 |
| Return on Equity (ROE) | 4.2387% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.1997% | 3,000 |
| Net charge-offs to loans | 0.0228% | 3,806 |
| Credit loss provision to net charge-offs | 507.5188% | 635 |
| Earnings coverage of net charge-offs (x) | 47.4586% | 1,039 |
| Efficiency ratio | 78.2921% | 1,922 |
| Assets per employee ($millions) | 5.4892% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.9202% | 4,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,939 |
| Loan loss allowance to noncurrent loans | 253.8434% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 4,308 |
| Noncurrent loans to loans | 0.4407% | 3,891 |
| Net loans and leases to total assets | 71.8003% | 2,088 |
| Net loans and leases to deposits | 104.0839% | 432 |
| Net loans and leases to core deposits | 114.2364% | 672 |
| Total domestic deposits to total assets | 68.9831% | 5,941 |
| Equity capital to assets | 12.0909% | 1,889 |
| Core capital (leverage) ratio | 12.3411% | 1,431 |
| Tier 1 risk-based capital ratio | 17.4881% | 2,130 |
| Total risk-based capital ratio | 18.7275% | 2,080 |
| Memoranda: | ||
| Average total assets | $822,835,000 | 843 |
| Average earning assets | $752,271,200 | 847 |
| Average equity | $102,555,000 | 753 |
| Average total loans | $583,396,000 | 802 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 4,266 |
| Cost of funding earning assets | 0.4970% | 2,239 |
| Net interest margin | 3.2502% | 4,527 |
| Noninterest income to average assets | 0.5656% | 2,949 |
| Noninterest expense to average assets | 2.7007% | 3,561 |
| Loan and lease loss provision to assets | 0.0738% | 2,694 |
| Net operating income to assets | 0.5470% | 4,604 |
| Return on assets (ROA) | 0.5810% | 4,570 |
| Pretax return on assets | 0.8064% | 4,319 |
| Return on Equity (ROE) | 4.6247% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.6247% | 3,181 |
| Net charge-offs to loans | 0.0300% | 3,334 |
| Credit loss provision to net charge-offs | 348.8372% | 844 |
| Earnings coverage of net charge-offs (x) | 39.3788% | 1,261 |
| Efficiency ratio | 76.4269% | 2,173 |
| Assets per employee ($millions) | 5.4395% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,972 |
| Loan loss allowance to noncurrent loans | 246.9410% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 4,444 |
| Noncurrent loans to loans | 0.4633% | 3,968 |
| Net loans and leases to total assets | 70.4050% | 2,328 |
| Net loans and leases to deposits | 99.2915% | 706 |
| Net loans and leases to core deposits | 109.0218% | 930 |
| Total domestic deposits to total assets | 70.9074% | 5,929 |
| Equity capital to assets | 12.5611% | 1,710 |
| Core capital (leverage) ratio | 12.4470% | 1,442 |
| Tier 1 risk-based capital ratio | 19.1054% | 1,745 |
| Total risk-based capital ratio | 20.3562% | 1,712 |
| Memoranda: | ||
| Average total assets | $813,091,750 | 865 |
| Average earning assets | $742,535,750 | 865 |
| Average equity | $102,143,750 | 761 |
| Average total loans | $572,799,500 | 818 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,382 |
| Cost of funding earning assets | 0.4932% | 2,313 |
| Net interest margin | 3.2149% | 4,614 |
| Noninterest income to average assets | 0.5464% | 3,064 |
| Noninterest expense to average assets | 2.6971% | 3,602 |
| Loan and lease loss provision to assets | 0.0744% | 2,631 |
| Net operating income to assets | 0.5260% | 4,662 |
| Return on assets (ROA) | 0.5534% | 4,653 |
| Pretax return on assets | 0.7671% | 4,430 |
| Return on Equity (ROE) | 4.4047% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.4047% | 3,212 |
| Net charge-offs to loans | 0.0442% | 2,818 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 25.9280% | 1,504 |
| Efficiency ratio | 77.0467% | 2,195 |
| Assets per employee ($millions) | 5.4320% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,114 |
| Loan loss allowance to noncurrent loans | 230.5874% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 4,486 |
| Noncurrent loans to loans | 0.4964% | 3,984 |
| Net loans and leases to total assets | 69.8557% | 2,334 |
| Net loans and leases to deposits | 100.6839% | 609 |
| Net loans and leases to core deposits | 111.0153% | 785 |
| Total domestic deposits to total assets | 69.3813% | 6,061 |
| Equity capital to assets | 12.4224% | 1,705 |
| Core capital (leverage) ratio | 12.5582% | 1,351 |
| Tier 1 risk-based capital ratio | 19.4185% | 1,690 |
| Total risk-based capital ratio | 20.6695% | 1,657 |
| Memoranda: | ||
| Average total assets | $806,708,330 | 878 |
| Average earning assets | $741,305,330 | 868 |
| Average equity | $101,345,330 | 767 |
| Average total loans | $566,159,000 | 831 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,308 |
| Cost of funding earning assets | 0.4968% | 2,315 |
| Net interest margin | 3.2200% | 4,532 |
| Noninterest income to average assets | 0.5395% | 3,025 |
| Noninterest expense to average assets | 2.7262% | 3,500 |
| Loan and lease loss provision to assets | 0.0750% | 2,450 |
| Net operating income to assets | 0.5051% | 4,660 |
| Return on assets (ROA) | 0.5605% | 4,548 |
| Pretax return on assets | 0.7776% | 4,323 |
| Return on Equity (ROE) | 4.4365% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.4365% | 3,360 |
| Net charge-offs to loans | 0.0172% | 2,824 |
| Credit loss provision to net charge-offs | 625.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 64.6250% | 688 |
| Efficiency ratio | 77.8523% | 2,205 |
| Assets per employee ($millions) | 5.4753% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 4,142 |
| Loan loss allowance to noncurrent loans | 223.7513% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 4,547 |
| Noncurrent loans to loans | 0.5233% | 4,004 |
| Net loans and leases to total assets | 69.0583% | 2,276 |
| Net loans and leases to deposits | 97.5664% | 713 |
| Net loans and leases to core deposits | 107.1909% | 860 |
| Total domestic deposits to total assets | 70.7808% | 6,094 |
| Equity capital to assets | 12.7164% | 1,566 |
| Core capital (leverage) ratio | 12.6339% | 1,300 |
| Tier 1 risk-based capital ratio | 19.7039% | 1,690 |
| Total risk-based capital ratio | 20.9552% | 1,653 |
| Memoranda: | ||
| Average total assets | $799,944,500 | 883 |
| Average earning assets | $735,892,000 | 874 |
| Average equity | $101,071,500 | 767 |
| Average total loans | $559,430,500 | 835 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,600 |
| Cost of funding earning assets | 0.4752% | 2,934 |
| Net interest margin | 3.2895% | 4,619 |
| Noninterest income to average assets | 0.5831% | 2,964 |
| Noninterest expense to average assets | 2.7076% | 3,835 |
| Loan and lease loss provision to assets | 0.0728% | 3,023 |
| Net operating income to assets | 0.6207% | 4,271 |
| Return on assets (ROA) | 0.6288% | 4,348 |
| Pretax return on assets | 0.8402% | 4,108 |
| Return on Equity (ROE) | 5.0534% | 4,633 |
| Retained earnings to average equity (ytd only) | 5.0534% | 2,566 |
| Net charge-offs to loans | 0.0211% | 4,419 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 61.9554% | 771 |
| Efficiency ratio | 75.0072% | 2,666 |
| Assets per employee ($millions) | 5.4083% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,221 |
| Loan loss allowance to noncurrent loans | 198.1288% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 4,453 |
| Noncurrent loans to loans | 0.5859% | 3,910 |
| Net loans and leases to total assets | 69.1792% | 2,367 |
| Net loans and leases to deposits | 98.2058% | 745 |
| Net loans and leases to core deposits | 107.5725% | 921 |
| Total domestic deposits to total assets | 70.4430% | 6,175 |
| Equity capital to assets | 12.5522% | 1,619 |
| Core capital (leverage) ratio | 12.7094% | 1,248 |
| Tier 1 risk-based capital ratio | 19.6838% | 1,663 |
| Total risk-based capital ratio | 20.9342% | 1,630 |
| Memoranda: | ||
| Average total assets | $769,135,200 | 884 |
| Average earning assets | $707,680,800 | 868 |
| Average equity | $95,697,600 | 772 |
| Average total loans | $531,797,400 | 828 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,681 |
| Cost of funding earning assets | 0.4652% | 3,100 |
| Net interest margin | 3.2938% | 4,629 |
| Noninterest income to average assets | 0.5718% | 3,054 |
| Noninterest expense to average assets | 2.7676% | 3,582 |
| Loan and lease loss provision to assets | 0.0446% | 3,506 |
| Net operating income to assets | 0.6375% | 4,273 |
| Return on assets (ROA) | 0.6526% | 4,301 |
| Pretax return on assets | 0.8084% | 4,334 |
| Return on Equity (ROE) | 5.2572% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.2572% | 2,913 |
| Net charge-offs to loans | 0.0353% | 3,785 |
| Credit loss provision to net charge-offs | 183.4532% | 1,363 |
| Earnings coverage of net charge-offs (x) | 34.3307% | 1,253 |
| Efficiency ratio | 76.8383% | 2,369 |
| Assets per employee ($millions) | 5.3310% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,593 |
| Loan loss allowance to noncurrent loans | 157.2382% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 4,372 |
| Noncurrent loans to loans | 0.7206% | 3,807 |
| Net loans and leases to total assets | 69.1538% | 2,334 |
| Net loans and leases to deposits | 96.4794% | 845 |
| Net loans and leases to core deposits | 104.8949% | 1,038 |
| Total domestic deposits to total assets | 71.6772% | 6,187 |
| Equity capital to assets | 12.5843% | 1,646 |
| Core capital (leverage) ratio | 12.7885% | 1,268 |
| Tier 1 risk-based capital ratio | 20.1615% | 1,632 |
| Total risk-based capital ratio | 21.4125% | 1,597 |
| Memoranda: | ||
| Average total assets | $762,665,500 | 893 |
| Average earning assets | $701,582,000 | 878 |
| Average equity | $94,674,000 | 777 |
| Average total loans | $525,636,000 | 840 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,673 |
| Cost of funding earning assets | 0.4575% | 3,238 |
| Net interest margin | 3.2974% | 4,600 |
| Noninterest income to average assets | 0.5474% | 3,146 |
| Noninterest expense to average assets | 2.7662% | 3,630 |
| Loan and lease loss provision to assets | 0.0395% | 3,516 |
| Net operating income to assets | 0.6348% | 4,183 |
| Return on assets (ROA) | 0.6575% | 4,158 |
| Pretax return on assets | 0.8016% | 4,258 |
| Return on Equity (ROE) | 5.3216% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.3216% | 2,746 |
| Net charge-offs to loans | 0.0334% | 3,541 |
| Credit loss provision to net charge-offs | 172.4138% | 1,323 |
| Earnings coverage of net charge-offs (x) | 35.4943% | 1,144 |
| Efficiency ratio | 77.2757% | 2,412 |
| Assets per employee ($millions) | 5.1052% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,647 |
| Loan loss allowance to noncurrent loans | 153.8501% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 4,444 |
| Noncurrent loans to loans | 0.7499% | 3,828 |
| Net loans and leases to total assets | 68.4087% | 2,344 |
| Net loans and leases to deposits | 99.4084% | 585 |
| Net loans and leases to core deposits | 105.6733% | 914 |
| Total domestic deposits to total assets | 68.8158% | 6,394 |
| Equity capital to assets | 12.6473% | 1,569 |
| Core capital (leverage) ratio | 12.8043% | 1,238 |
| Tier 1 risk-based capital ratio | 20.2803% | 1,618 |
| Total risk-based capital ratio | 21.5315% | 1,587 |
| Memoranda: | ||
| Average total assets | $759,223,000 | 899 |
| Average earning assets | $698,192,670 | 881 |
| Average equity | $93,806,670 | 779 |
| Average total loans | $520,621,330 | 845 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,772 |
| Cost of funding earning assets | 0.4553% | 3,374 |
| Net interest margin | 3.2659% | 4,684 |
| Noninterest income to average assets | 0.5268% | 3,220 |
| Noninterest expense to average assets | 2.7428% | 3,790 |
| Loan and lease loss provision to assets | 0.0791% | 2,566 |
| Net operating income to assets | 0.5958% | 4,220 |
| Return on assets (ROA) | 0.5954% | 4,298 |
| Pretax return on assets | 0.7077% | 4,464 |
| Return on Equity (ROE) | 4.8765% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.8765% | 3,187 |
| Net charge-offs to loans | 0.0672% | 2,479 |
| Credit loss provision to net charge-offs | 172.4138% | 1,150 |
| Earnings coverage of net charge-offs (x) | 17.1609% | 1,467 |
| Efficiency ratio | 77.6964% | 2,517 |
| Assets per employee ($millions) | 5.4063% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 4,763 |
| Loan loss allowance to noncurrent loans | 156.4254% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 4,623 |
| Noncurrent loans to loans | 0.7498% | 3,991 |
| Net loans and leases to total assets | 67.1437% | 2,366 |
| Net loans and leases to deposits | 97.6655% | 564 |
| Net loans and leases to core deposits | 102.8608% | 934 |
| Total domestic deposits to total assets | 68.7486% | 6,494 |
| Equity capital to assets | 12.2565% | 1,713 |
| Core capital (leverage) ratio | 12.6806% | 1,303 |
| Tier 1 risk-based capital ratio | 20.2711% | 1,654 |
| Total risk-based capital ratio | 21.5226% | 1,618 |
| Memoranda: | ||
| Average total assets | $758,497,500 | 899 |
| Average earning assets | $697,504,000 | 885 |
| Average equity | $92,607,500 | 788 |
| Average total loans | $517,711,500 | 850 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,909 |
| Cost of funding earning assets | 0.5409% | 3,189 |
| Net interest margin | 3.2288% | 4,898 |
| Noninterest income to average assets | 0.5774% | 3,230 |
| Noninterest expense to average assets | 2.6709% | 4,210 |
| Loan and lease loss provision to assets | 0.0201% | 4,739 |
| Net operating income to assets | 0.6889% | 3,846 |
| Return on assets (ROA) | 0.7311% | 3,739 |
| Pretax return on assets | 0.9151% | 3,701 |
| Return on Equity (ROE) | 5.9462% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.9462% | 2,008 |
| Net charge-offs to loans | 0.0251% | 4,916 |
| Credit loss provision to net charge-offs | 119.0476% | 2,008 |
| Earnings coverage of net charge-offs (x) | 52.3810% | 768 |
| Efficiency ratio | 75.1684% | 2,920 |
| Assets per employee ($millions) | 5.3526% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 4,854 |
| Loan loss allowance to noncurrent loans | 179.7010% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 4,919 |
| Noncurrent loans to loans | 0.6463% | 4,362 |
| Net loans and leases to total assets | 67.7760% | 2,397 |
| Net loans and leases to deposits | 96.9785% | 672 |
| Net loans and leases to core deposits | 101.8936% | 1,037 |
| Total domestic deposits to total assets | 69.8876% | 6,523 |
| Equity capital to assets | 12.1617% | 1,707 |
| Core capital (leverage) ratio | 12.5604% | 1,327 |
| Tier 1 risk-based capital ratio | 20.1374% | 1,622 |
| Total risk-based capital ratio | 21.3879% | 1,589 |
| Memoranda: | ||
| Average total assets | $748,034,800 | 891 |
| Average earning assets | $689,426,800 | 877 |
| Average equity | $91,974,000 | 764 |
| Average total loans | $501,101,000 | 851 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 4,931 |
| Cost of funding earning assets | 0.5590% | 3,169 |
| Net interest margin | 3.2214% | 4,926 |
| Noninterest income to average assets | 0.5711% | 3,323 |
| Noninterest expense to average assets | 2.6728% | 4,123 |
| Loan and lease loss provision to assets | 0.0268% | 4,474 |
| Net operating income to assets | 0.6819% | 3,942 |
| Return on assets (ROA) | 0.7390% | 3,781 |
| Pretax return on assets | 0.9123% | 3,829 |
| Return on Equity (ROE) | 5.9941% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.9941% | 2,410 |
| Net charge-offs to loans | 0.0244% | 4,640 |
| Credit loss provision to net charge-offs | 164.8352% | 1,446 |
| Earnings coverage of net charge-offs (x) | 53.4287% | 823 |
| Efficiency ratio | 75.4742% | 2,818 |
| Assets per employee ($millions) | 5.3459% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 4,900 |
| Loan loss allowance to noncurrent loans | 194.6233% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 5,179 |
| Noncurrent loans to loans | 0.6126% | 4,671 |
| Net loans and leases to total assets | 66.9360% | 2,473 |
| Net loans and leases to deposits | 95.3515% | 739 |
| Net loans and leases to core deposits | 100.2433% | 1,098 |
| Total domestic deposits to total assets | 70.1993% | 6,585 |
| Equity capital to assets | 12.1594% | 1,812 |
| Core capital (leverage) ratio | 12.4212% | 1,460 |
| Tier 1 risk-based capital ratio | 20.2530% | 1,669 |
| Total risk-based capital ratio | 21.5046% | 1,649 |
| Memoranda: | ||
| Average total assets | $746,365,250 | 901 |
| Average earning assets | $688,177,250 | 883 |
| Average equity | $92,021,000 | 766 |
| Average total loans | $496,995,000 | 855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 4,907 |
| Cost of funding earning assets | 0.5598% | 3,320 |
| Net interest margin | 3.2162% | 4,885 |
| Noninterest income to average assets | 0.5686% | 3,392 |
| Noninterest expense to average assets | 2.6719% | 4,136 |
| Loan and lease loss provision to assets | 0.0402% | 4,151 |
| Net operating income to assets | 0.6676% | 3,980 |
| Return on assets (ROA) | 0.7534% | 3,701 |
| Pretax return on assets | 0.9304% | 3,783 |
| Return on Equity (ROE) | 6.0827% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.0827% | 2,383 |
| Net charge-offs to loans | 0.0320% | 4,238 |
| Credit loss provision to net charge-offs | 189.8734% | 1,255 |
| Earnings coverage of net charge-offs (x) | 40.8101% | 918 |
| Efficiency ratio | 75.5498% | 2,851 |
| Assets per employee ($millions) | 5.0909% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,981 |
| Loan loss allowance to noncurrent loans | 212.7854% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 5,344 |
| Noncurrent loans to loans | 0.5649% | 4,852 |
| Net loans and leases to total assets | 66.5297% | 2,501 |
| Net loans and leases to deposits | 96.9727% | 607 |
| Net loans and leases to core deposits | 101.9596% | 941 |
| Total domestic deposits to total assets | 68.6067% | 6,703 |
| Equity capital to assets | 12.1798% | 1,786 |
| Core capital (leverage) ratio | 12.3147% | 1,449 |
| Tier 1 risk-based capital ratio | 20.0159% | 1,714 |
| Total risk-based capital ratio | 21.2691% | 1,681 |
| Memoranda: | ||
| Average total assets | $745,676,670 | 903 |
| Average earning assets | $688,139,000 | 883 |
| Average equity | $92,359,670 | 765 |
| Average total loans | $493,655,000 | 857 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,769 |
| Cost of funding earning assets | 0.5820% | 3,275 |
| Net interest margin | 3.2351% | 4,779 |
| Noninterest income to average assets | 0.5519% | 3,429 |
| Noninterest expense to average assets | 2.6504% | 4,240 |
| Loan and lease loss provision to assets | 0.0806% | 3,303 |
| Net operating income to assets | 0.6605% | 3,901 |
| Return on assets (ROA) | 0.7524% | 3,563 |
| Pretax return on assets | 0.9243% | 3,674 |
| Return on Equity (ROE) | 6.0238% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.0238% | 2,667 |
| Net charge-offs to loans | 0.0041% | 4,086 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 331.8000% | 114 |
| Efficiency ratio | 74.8293% | 3,122 |
| Assets per employee ($millions) | 5.2592% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 4,890 |
| Loan loss allowance to noncurrent loans | 188.5609% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 5,305 |
| Noncurrent loans to loans | 0.6687% | 4,781 |
| Net loans and leases to total assets | 63.4064% | 2,816 |
| Net loans and leases to deposits | 92.3794% | 774 |
| Net loans and leases to core deposits | 97.1260% | 1,136 |
| Total domestic deposits to total assets | 68.6369% | 6,790 |
| Equity capital to assets | 12.3317% | 1,819 |
| Core capital (leverage) ratio | 12.2086% | 1,456 |
| Tier 1 risk-based capital ratio | 20.2555% | 1,709 |
| Total risk-based capital ratio | 21.5037% | 1,684 |
| Memoranda: | ||
| Average total assets | $744,333,500 | 907 |
| Average earning assets | $687,964,000 | 892 |
| Average equity | $92,965,000 | 767 |
| Average total loans | $488,511,500 | 867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0426% | 5,176 |
| Cost of funding earning assets | 0.7409% | 3,150 |
| Net interest margin | 3.3017% | 5,241 |
| Noninterest income to average assets | 0.6101% | 3,226 |
| Noninterest expense to average assets | 2.7967% | 4,031 |
| Loan and lease loss provision to assets | 0.0637% | 4,966 |
| Net operating income to assets | 0.6496% | 3,988 |
| Return on assets (ROA) | 0.7336% | 3,832 |
| Pretax return on assets | 0.9121% | 3,880 |
| Return on Equity (ROE) | 5.7792% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.7792% | 2,207 |
| Net charge-offs to loans | 0.0375% | 5,395 |
| Credit loss provision to net charge-offs | 255.6818% | 939 |
| Earnings coverage of net charge-offs (x) | 34.9602% | 897 |
| Efficiency ratio | 76.2570% | 2,703 |
| Assets per employee ($millions) | 5.0788% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,021 |
| Loan loss allowance to noncurrent loans | 164.7043% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 5,221 |
| Noncurrent loans to loans | 0.7408% | 4,697 |
| Net loans and leases to total assets | 66.2770% | 2,484 |
| Net loans and leases to deposits | 93.4406% | 788 |
| Net loans and leases to core deposits | 98.3013% | 1,128 |
| Total domestic deposits to total assets | 70.9296% | 6,747 |
| Equity capital to assets | 12.6533% | 1,611 |
| Core capital (leverage) ratio | 12.3415% | 1,383 |
| Tier 1 risk-based capital ratio | 19.9305% | 1,700 |
| Total risk-based capital ratio | 21.1829% | 1,670 |
| Memoranda: | ||
| Average total assets | $706,626,000 | 932 |
| Average earning assets | $654,338,000 | 921 |
| Average equity | $89,701,600 | 781 |
| Average total loans | $469,439,200 | 874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 5,293 |
| Cost of funding earning assets | 0.7642% | 3,235 |
| Net interest margin | 3.3050% | 5,375 |
| Noninterest income to average assets | 0.5975% | 3,290 |
| Noninterest expense to average assets | 2.7957% | 3,994 |
| Loan and lease loss provision to assets | 0.0428% | 5,237 |
| Net operating income to assets | 0.6579% | 4,102 |
| Return on assets (ROA) | 0.7707% | 3,852 |
| Pretax return on assets | 0.9651% | 3,850 |
| Return on Equity (ROE) | 6.0663% | 4,301 |
| Retained earnings to average equity (ytd only) | 6.0663% | 2,659 |
| Net charge-offs to loans | 0.0477% | 4,986 |
| Credit loss provision to net charge-offs | 135.5422% | 2,128 |
| Earnings coverage of net charge-offs (x) | 27.4335% | 1,186 |
| Efficiency ratio | 76.3318% | 2,626 |
| Assets per employee ($millions) | 5.0767% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,309 |
| Loan loss allowance to noncurrent loans | 125.1518% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 5,064 |
| Noncurrent loans to loans | 0.9543% | 4,526 |
| Net loans and leases to total assets | 66.2426% | 2,610 |
| Net loans and leases to deposits | 93.2203% | 851 |
| Net loans and leases to core deposits | 98.1641% | 1,253 |
| Total domestic deposits to total assets | 71.0603% | 6,790 |
| Equity capital to assets | 12.7031% | 1,764 |
| Core capital (leverage) ratio | 12.2850% | 1,501 |
| Tier 1 risk-based capital ratio | 20.0422% | 1,742 |
| Total risk-based capital ratio | 21.2939% | 1,716 |
| Memoranda: | ||
| Average total assets | $700,447,250 | 948 |
| Average earning assets | $649,584,750 | 932 |
| Average equity | $88,992,250 | 788 |
| Average total loans | $464,124,500 | 886 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 5,282 |
| Cost of funding earning assets | 0.7846% | 3,324 |
| Net interest margin | 3.3267% | 5,363 |
| Noninterest income to average assets | 0.5882% | 3,332 |
| Noninterest expense to average assets | 2.7856% | 4,072 |
| Loan and lease loss provision to assets | 0.0433% | 5,138 |
| Net operating income to assets | 0.6719% | 4,008 |
| Return on assets (ROA) | 0.8143% | 3,591 |
| Pretax return on assets | 1.0216% | 3,624 |
| Return on Equity (ROE) | 6.4086% | 4,094 |
| Retained earnings to average equity (ytd only) | 6.4086% | 2,436 |
| Net charge-offs to loans | 0.0642% | 4,536 |
| Credit loss provision to net charge-offs | 102.0408% | 2,667 |
| Earnings coverage of net charge-offs (x) | 20.9252% | 1,366 |
| Efficiency ratio | 75.8499% | 2,767 |
| Assets per employee ($millions) | 4.9540% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,347 |
| Loan loss allowance to noncurrent loans | 147.8531% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 5,361 |
| Noncurrent loans to loans | 0.8118% | 4,887 |
| Net loans and leases to total assets | 65.9519% | 2,678 |
| Net loans and leases to deposits | 93.7053% | 800 |
| Net loans and leases to core deposits | 98.3920% | 1,231 |
| Total domestic deposits to total assets | 70.3822% | 6,887 |
| Equity capital to assets | 12.6457% | 1,728 |
| Core capital (leverage) ratio | 12.5045% | 1,349 |
| Tier 1 risk-based capital ratio | 19.9199% | 1,719 |
| Total risk-based capital ratio | 21.1661% | 1,690 |
| Memoranda: | ||
| Average total assets | $693,634,670 | 954 |
| Average earning assets | $643,108,000 | 942 |
| Average equity | $88,131,330 | 790 |
| Average total loans | $457,731,000 | 900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 5,156 |
| Cost of funding earning assets | 0.8109% | 3,383 |
| Net interest margin | 3.3755% | 5,218 |
| Noninterest income to average assets | 0.5604% | 3,496 |
| Noninterest expense to average assets | 2.8255% | 3,925 |
| Loan and lease loss provision to assets | 0.0439% | 4,852 |
| Net operating income to assets | 0.6475% | 4,131 |
| Return on assets (ROA) | 0.9243% | 3,023 |
| Pretax return on assets | 1.1682% | 3,035 |
| Return on Equity (ROE) | 7.2568% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.2568% | 2,297 |
| Net charge-offs to loans | 0.0348% | 4,205 |
| Credit loss provision to net charge-offs | 192.3077% | 1,373 |
| Earnings coverage of net charge-offs (x) | 37.7692% | 780 |
| Efficiency ratio | 76.6302% | 2,694 |
| Assets per employee ($millions) | 4.8011% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,148 |
| Loan loss allowance to noncurrent loans | 133.7288% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 5,196 |
| Noncurrent loans to loans | 0.9513% | 4,771 |
| Net loans and leases to total assets | 65.4455% | 2,570 |
| Net loans and leases to deposits | 88.1237% | 1,149 |
| Net loans and leases to core deposits | 94.1439% | 1,453 |
| Total domestic deposits to total assets | 74.2654% | 6,723 |
| Equity capital to assets | 12.8052% | 1,542 |
| Core capital (leverage) ratio | 12.4796% | 1,349 |
| Tier 1 risk-based capital ratio | 20.7206% | 1,540 |
| Total risk-based capital ratio | 21.9731% | 1,510 |
| Memoranda: | ||
| Average total assets | $683,761,500 | 964 |
| Average earning assets | $633,396,000 | 951 |
| Average equity | $87,091,000 | 795 |
| Average total loans | $448,494,500 | 922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 5,428 |
| Cost of funding earning assets | 0.9425% | 3,770 |
| Net interest margin | 3.4570% | 5,298 |
| Noninterest income to average assets | 0.5127% | 3,764 |
| Noninterest expense to average assets | 2.8145% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7207% | 3,384 |
| Return on assets (ROA) | 0.7375% | 3,475 |
| Pretax return on assets | 0.9137% | 3,564 |
| Return on Equity (ROE) | 5.8692% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.8692% | 2,094 |
| Net charge-offs to loans | 0.0365% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 37.1313% | 718 |
| Efficiency ratio | 75.9152% | 2,900 |
| Assets per employee ($millions) | 4.8293% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 5,003 |
| Loan loss allowance to noncurrent loans | 144.7428% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 5,402 |
| Noncurrent loans to loans | 0.8868% | 4,917 |
| Net loans and leases to total assets | 64.0667% | 3,178 |
| Net loans and leases to deposits | 85.9755% | 1,670 |
| Net loans and leases to core deposits | 92.7981% | 1,813 |
| Total domestic deposits to total assets | 74.5174% | 6,669 |
| Equity capital to assets | 12.6692% | 1,681 |
| Core capital (leverage) ratio | 12.2632% | 1,459 |
| Tier 1 risk-based capital ratio | 20.4218% | 1,539 |
| Total risk-based capital ratio | 21.6693% | 1,511 |
| Memoranda: | ||
| Average total assets | $665,345,000 | 976 |
| Average earning assets | $614,874,000 | 957 |
| Average equity | $83,606,200 | 804 |
| Average total loans | $437,921,400 | 953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 5,487 |
| Cost of funding earning assets | 0.9638% | 3,940 |
| Net interest margin | 3.4691% | 5,313 |
| Noninterest income to average assets | 0.4671% | 4,153 |
| Noninterest expense to average assets | 2.7200% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7547% | 3,368 |
| Return on assets (ROA) | 0.7767% | 3,434 |
| Pretax return on assets | 0.9806% | 3,471 |
| Return on Equity (ROE) | 6.1940% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.1940% | 2,432 |
| Net charge-offs to loans | 0.0067% | 6,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 214.4736% | 180 |
| Efficiency ratio | 74.0584% | 3,169 |
| Assets per employee ($millions) | 4.8461% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 4,877 |
| Loan loss allowance to noncurrent loans | 158.5637% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 5,743 |
| Noncurrent loans to loans | 0.8383% | 5,198 |
| Net loans and leases to total assets | 63.1135% | 3,490 |
| Net loans and leases to deposits | 83.1931% | 2,146 |
| Net loans and leases to core deposits | 89.7433% | 2,288 |
| Total domestic deposits to total assets | 75.8638% | 6,548 |
| Equity capital to assets | 12.5672% | 1,872 |
| Core capital (leverage) ratio | 12.2944% | 1,539 |
| Tier 1 risk-based capital ratio | 20.2580% | 1,626 |
| Total risk-based capital ratio | 21.5050% | 1,595 |
| Memoranda: | ||
| Average total assets | $660,240,500 | 988 |
| Average earning assets | $610,095,750 | 971 |
| Average equity | $82,787,500 | 816 |
| Average total loans | $436,137,000 | 970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 5,417 |
| Cost of funding earning assets | 0.9757% | 4,117 |
| Net interest margin | 3.5037% | 5,149 |
| Noninterest income to average assets | 0.4446% | 4,320 |
| Noninterest expense to average assets | 2.6976% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7751% | 3,173 |
| Return on assets (ROA) | 0.8062% | 3,166 |
| Pretax return on assets | 1.0213% | 3,158 |
| Return on Equity (ROE) | 6.4348% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.4348% | 2,177 |
| Net charge-offs to loans | 0.0092% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 159.8000% | 222 |
| Efficiency ratio | 73.3133% | 3,498 |
| Assets per employee ($millions) | 4.6589% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,893 |
| Loan loss allowance to noncurrent loans | 148.7675% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 5,701 |
| Noncurrent loans to loans | 0.8977% | 5,169 |
| Net loans and leases to total assets | 64.0234% | 3,453 |
| Net loans and leases to deposits | 84.6670% | 1,999 |
| Net loans and leases to core deposits | 92.2736% | 2,093 |
| Total domestic deposits to total assets | 75.6179% | 6,654 |
| Equity capital to assets | 12.4223% | 1,831 |
| Core capital (leverage) ratio | 12.5565% | 1,329 |
| Tier 1 risk-based capital ratio | 20.1624% | 1,580 |
| Total risk-based capital ratio | 21.4155% | 1,557 |
| Memoranda: | ||
| Average total assets | $650,940,670 | 1,012 |
| Average earning assets | $601,017,330 | 992 |
| Average equity | $81,556,670 | 824 |
| Average total loans | $434,796,000 | 991 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 5,203 |
| Cost of funding earning assets | 0.9966% | 4,227 |
| Net interest margin | 3.5430% | 4,839 |
| Noninterest income to average assets | 0.4322% | 4,441 |
| Noninterest expense to average assets | 2.7577% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7502% | 3,270 |
| Return on assets (ROA) | 0.8098% | 3,045 |
| Pretax return on assets | 1.0178% | 3,069 |
| Return on Equity (ROE) | 6.4347% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.4347% | 2,404 |
| Net charge-offs to loans | 0.0249% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 55.7778% | 527 |
| Efficiency ratio | 74.5135% | 3,424 |
| Assets per employee ($millions) | 4.6241% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,885 |
| Loan loss allowance to noncurrent loans | 141.8244% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 5,679 |
| Noncurrent loans to loans | 0.9542% | 5,127 |
| Net loans and leases to total assets | 65.8277% | 3,058 |
| Net loans and leases to deposits | 88.1350% | 1,449 |
| Net loans and leases to core deposits | 92.7176% | 2,049 |
| Total domestic deposits to total assets | 74.6896% | 6,835 |
| Equity capital to assets | 12.5047% | 1,628 |
| Core capital (leverage) ratio | 12.5345% | 1,310 |
| Tier 1 risk-based capital ratio | 20.4332% | 1,496 |
| Total risk-based capital ratio | 21.6869% | 1,471 |
| Memoranda: | ||
| Average total assets | $638,643,000 | 1,043 |
| Average earning assets | $589,210,500 | 1,019 |
| Average equity | $80,376,500 | 826 |
| Average total loans | $433,016,500 | 1,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 5,177 |
| Cost of funding earning assets | 1.2431% | 4,263 |
| Net interest margin | 3.6209% | 4,717 |
| Noninterest income to average assets | 0.4776% | 4,331 |
| Noninterest expense to average assets | 2.8751% | 4,330 |
| Loan and lease loss provision to assets | 0.1477% | 5,715 |
| Net operating income to assets | 0.6628% | 3,381 |
| Return on assets (ROA) | 0.6786% | 3,441 |
| Pretax return on assets | 0.8080% | 3,600 |
| Return on Equity (ROE) | 5.3522% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.3522% | 2,217 |
| Net charge-offs to loans | 0.0569% | 6,219 |
| Credit loss provision to net charge-offs | 367.4699% | 691 |
| Earnings coverage of net charge-offs (x) | 23.3133% | 905 |
| Efficiency ratio | 75.4202% | 3,131 |
| Assets per employee ($millions) | 4.4994% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,731 |
| Loan loss allowance to noncurrent loans | 140.8056% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 5,680 |
| Noncurrent loans to loans | 0.9610% | 5,129 |
| Net loans and leases to total assets | 67.9718% | 2,991 |
| Net loans and leases to deposits | 89.0484% | 1,640 |
| Net loans and leases to core deposits | 93.6910% | 2,299 |
| Total domestic deposits to total assets | 76.3312% | 6,591 |
| Equity capital to assets | 12.6686% | 1,545 |
| Core capital (leverage) ratio | 12.3964% | 1,351 |
| Tier 1 risk-based capital ratio | 20.2803% | 1,438 |
| Total risk-based capital ratio | 21.5326% | 1,417 |
| Memoranda: | ||
| Average total assets | $619,531,400 | 1,076 |
| Average earning assets | $570,517,000 | 1,056 |
| Average equity | $78,547,800 | 840 |
| Average total loans | $437,588,000 | 1,025 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 5,249 |
| Cost of funding earning assets | 1.2849% | 4,328 |
| Net interest margin | 3.6194% | 4,791 |
| Noninterest income to average assets | 0.4720% | 4,398 |
| Noninterest expense to average assets | 2.8259% | 4,371 |
| Loan and lease loss provision to assets | 0.1426% | 5,608 |
| Net operating income to assets | 0.6922% | 3,451 |
| Return on assets (ROA) | 0.7130% | 3,510 |
| Pretax return on assets | 0.8604% | 3,701 |
| Return on Equity (ROE) | 5.6223% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.6223% | 2,580 |
| Net charge-offs to loans | 0.0651% | 5,865 |
| Credit loss provision to net charge-offs | 308.4112% | 1,030 |
| Earnings coverage of net charge-offs (x) | 21.1446% | 1,140 |
| Efficiency ratio | 74.2912% | 3,272 |
| Assets per employee ($millions) | 4.4939% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,963 |
| Loan loss allowance to noncurrent loans | 131.2515% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 5,672 |
| Noncurrent loans to loans | 0.9902% | 5,254 |
| Net loans and leases to total assets | 67.7502% | 3,284 |
| Net loans and leases to deposits | 88.8073% | 1,888 |
| Net loans and leases to core deposits | 93.3471% | 2,615 |
| Total domestic deposits to total assets | 76.2890% | 6,603 |
| Equity capital to assets | 12.7147% | 1,740 |
| Core capital (leverage) ratio | 12.4027% | 1,461 |
| Tier 1 risk-based capital ratio | 19.9129% | 1,567 |
| Total risk-based capital ratio | 21.1659% | 1,534 |
| Memoranda: | ||
| Average total assets | $616,934,500 | 1,087 |
| Average earning assets | $567,920,250 | 1,070 |
| Average equity | $78,234,250 | 847 |
| Average total loans | $438,475,000 | 1,029 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 5,156 |
| Cost of funding earning assets | 1.3222% | 4,398 |
| Net interest margin | 3.6332% | 4,674 |
| Noninterest income to average assets | 0.4711% | 4,349 |
| Noninterest expense to average assets | 2.8163% | 4,414 |
| Loan and lease loss provision to assets | 0.1325% | 5,563 |
| Net operating income to assets | 0.7102% | 3,358 |
| Return on assets (ROA) | 0.7413% | 3,380 |
| Pretax return on assets | 0.9006% | 3,488 |
| Return on Equity (ROE) | 5.8510% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,418 |
| Net charge-offs to loans | 0.0132% | 6,157 |
| Credit loss provision to net charge-offs | 1,396.5517% | 284 |
| Earnings coverage of net charge-offs (x) | 104.8966% | 310 |
| Efficiency ratio | 73.8907% | 3,496 |
| Assets per employee ($millions) | 4.1009% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 5,063 |
| Loan loss allowance to noncurrent loans | 122.7303% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 5,654 |
| Noncurrent loans to loans | 1.0384% | 5,232 |
| Net loans and leases to total assets | 69.8424% | 2,939 |
| Net loans and leases to deposits | 91.8423% | 1,560 |
| Net loans and leases to core deposits | 96.3751% | 2,405 |
| Total domestic deposits to total assets | 76.0461% | 6,684 |
| Equity capital to assets | 12.7853% | 1,655 |
| Core capital (leverage) ratio | 12.5497% | 1,390 |
| Tier 1 risk-based capital ratio | 19.3658% | 1,635 |
| Total risk-based capital ratio | 20.6151% | 1,605 |
| Memoranda: | ||
| Average total assets | $611,366,670 | 1,103 |
| Average earning assets | $562,097,330 | 1,088 |
| Average equity | $77,457,330 | 845 |
| Average total loans | $439,652,000 | 1,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 5,119 |
| Cost of funding earning assets | 1.3599% | 4,422 |
| Net interest margin | 3.6194% | 4,632 |
| Noninterest income to average assets | 0.4610% | 4,376 |
| Noninterest expense to average assets | 2.8375% | 4,331 |
| Loan and lease loss provision to assets | 0.1679% | 4,856 |
| Net operating income to assets | 0.6621% | 3,606 |
| Return on assets (ROA) | 0.6789% | 3,644 |
| Pretax return on assets | 0.8034% | 3,850 |
| Return on Equity (ROE) | 5.3838% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.3838% | 2,940 |
| Net charge-offs to loans | -0.0282% | 7,173 |
| Credit loss provision to net charge-offs | -822.5806% | 6,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8870% | 3,427 |
| Assets per employee ($millions) | 4.3313% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,187 |
| Loan loss allowance to noncurrent loans | 240.2887% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 6,536 |
| Noncurrent loans to loans | 0.5220% | 6,245 |
| Net loans and leases to total assets | 71.3106% | 2,615 |
| Net loans and leases to deposits | 92.6638% | 1,515 |
| Net loans and leases to core deposits | 97.7710% | 2,365 |
| Total domestic deposits to total assets | 76.9563% | 6,569 |
| Equity capital to assets | 12.7099% | 1,649 |
| Core capital (leverage) ratio | 12.5052% | 1,401 |
| Tier 1 risk-based capital ratio | 19.1901% | 1,673 |
| Total risk-based capital ratio | 20.4516% | 1,646 |
| Memoranda: | ||
| Average total assets | $607,433,000 | 1,134 |
| Average earning assets | $558,551,500 | 1,118 |
| Average equity | $76,600,500 | 859 |
| Average total loans | $440,442,500 | 1,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 5,430 |
| Cost of funding earning assets | 1.8397% | 3,786 |
| Net interest margin | 3.4078% | 5,335 |
| Noninterest income to average assets | 0.5359% | 4,134 |
| Noninterest expense to average assets | 2.8927% | 4,558 |
| Loan and lease loss provision to assets | 0.1745% | 5,951 |
| Net operating income to assets | 0.5483% | 3,536 |
| Return on assets (ROA) | 0.5568% | 3,581 |
| Pretax return on assets | 0.6173% | 3,858 |
| Return on Equity (ROE) | 4.5300% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.5300% | 2,082 |
| Net charge-offs to loans | 0.0661% | 6,450 |
| Credit loss provision to net charge-offs | 357.1429% | 899 |
| Earnings coverage of net charge-offs (x) | 16.0102% | 1,276 |
| Efficiency ratio | 78.7110% | 3,089 |
| Assets per employee ($millions) | 4.2851% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,498 |
| Loan loss allowance to noncurrent loans | 241.6241% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 6,562 |
| Noncurrent loans to loans | 0.4865% | 6,283 |
| Net loans and leases to total assets | 71.9444% | 2,762 |
| Net loans and leases to deposits | 92.7843% | 1,770 |
| Net loans and leases to core deposits | 117.9736% | 2,134 |
| Total domestic deposits to total assets | 77.5394% | 6,341 |
| Equity capital to assets | 12.5115% | 1,744 |
| Core capital (leverage) ratio | 12.1905% | 1,587 |
| Tier 1 risk-based capital ratio | 18.6960% | 1,719 |
| Total risk-based capital ratio | 19.9570% | 1,680 |
| Memoranda: | ||
| Average total assets | $601,613,400 | 1,148 |
| Average earning assets | $554,206,200 | 1,136 |
| Average equity | $73,951,000 | 877 |
| Average total loans | $444,918,200 | 1,077 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 5,522 |
| Cost of funding earning assets | 1.9205% | 3,774 |
| Net interest margin | 3.3606% | 5,407 |
| Noninterest income to average assets | 0.5481% | 4,096 |
| Noninterest expense to average assets | 2.8358% | 4,737 |
| Loan and lease loss provision to assets | 0.1500% | 5,850 |
| Net operating income to assets | 0.5915% | 3,628 |
| Return on assets (ROA) | 0.5619% | 3,832 |
| Pretax return on assets | 0.6263% | 4,104 |
| Return on Equity (ROE) | 4.5917% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.5917% | 2,710 |
| Net charge-offs to loans | 0.0165% | 6,682 |
| Credit loss provision to net charge-offs | 1,227.2727% | 309 |
| Earnings coverage of net charge-offs (x) | 66.2014% | 499 |
| Efficiency ratio | 77.7988% | 3,198 |
| Assets per employee ($millions) | 4.4686% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,394 |
| Loan loss allowance to noncurrent loans | 229.2495% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 6,580 |
| Noncurrent loans to loans | 0.5034% | 6,298 |
| Net loans and leases to total assets | 70.9526% | 3,280 |
| Net loans and leases to deposits | 93.4117% | 1,983 |
| Net loans and leases to core deposits | 118.0459% | 2,408 |
| Total domestic deposits to total assets | 75.9568% | 6,587 |
| Equity capital to assets | 12.2970% | 2,065 |
| Core capital (leverage) ratio | 12.2467% | 1,687 |
| Tier 1 risk-based capital ratio | 18.6254% | 1,833 |
| Total risk-based capital ratio | 19.8855% | 1,790 |
| Memoranda: | ||
| Average total assets | $599,894,750 | 1,165 |
| Average earning assets | $552,828,500 | 1,152 |
| Average equity | $73,406,000 | 898 |
| Average total loans | $445,402,750 | 1,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3478% | 5,408 |
| Cost of funding earning assets | 2.0038% | 3,758 |
| Net interest margin | 3.3440% | 5,389 |
| Noninterest income to average assets | 0.5290% | 4,192 |
| Noninterest expense to average assets | 2.8799% | 4,581 |
| Loan and lease loss provision to assets | 0.1007% | 6,165 |
| Net operating income to assets | 0.5753% | 3,790 |
| Return on assets (ROA) | 0.5300% | 4,093 |
| Pretax return on assets | 0.5794% | 4,374 |
| Return on Equity (ROE) | 4.3391% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.3391% | 2,881 |
| Net charge-offs to loans | -0.0161% | 7,665 |
| Credit loss provision to net charge-offs | -833.3333% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7824% | 3,076 |
| Assets per employee ($millions) | 4.2137% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,699 |
| Loan loss allowance to noncurrent loans | 192.3262% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 6,419 |
| Noncurrent loans to loans | 0.5640% | 6,138 |
| Net loans and leases to total assets | 73.4734% | 2,850 |
| Net loans and leases to deposits | 94.9693% | 1,959 |
| Net loans and leases to core deposits | 118.9075% | 2,463 |
| Total domestic deposits to total assets | 77.3654% | 6,234 |
| Equity capital to assets | 12.4036% | 1,972 |
| Core capital (leverage) ratio | 12.1584% | 1,769 |
| Tier 1 risk-based capital ratio | 18.6032% | 1,857 |
| Total risk-based capital ratio | 19.8543% | 1,813 |
| Memoranda: | ||
| Average total assets | $595,793,330 | 1,192 |
| Average earning assets | $548,857,670 | 1,180 |
| Average equity | $72,780,670 | 918 |
| Average total loans | $447,389,670 | 1,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3896% | 5,479 |
| Cost of funding earning assets | 2.0487% | 3,885 |
| Net interest margin | 3.3409% | 5,366 |
| Noninterest income to average assets | 0.4566% | 4,708 |
| Noninterest expense to average assets | 2.7796% | 4,652 |
| Loan and lease loss provision to assets | 0.1006% | 5,679 |
| Net operating income to assets | 0.5968% | 4,029 |
| Return on assets (ROA) | 0.5370% | 4,459 |
| Pretax return on assets | 0.5927% | 4,777 |
| Return on Equity (ROE) | 4.4301% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.4301% | 3,456 |
| Net charge-offs to loans | -0.0346% | 7,593 |
| Credit loss provision to net charge-offs | -384.6154% | 6,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5525% | 3,074 |
| Assets per employee ($millions) | 4.2624% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 5,930 |
| Loan loss allowance to noncurrent loans | 182.4223% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 6,247 |
| Noncurrent loans to loans | 0.5649% | 6,003 |
| Net loans and leases to total assets | 73.6122% | 2,868 |
| Net loans and leases to deposits | 95.8623% | 1,971 |
| Net loans and leases to core deposits | 118.9251% | 2,510 |
| Total domestic deposits to total assets | 76.7896% | 6,338 |
| Equity capital to assets | 12.0725% | 2,214 |
| Core capital (leverage) ratio | 12.1439% | 1,842 |
| Tier 1 risk-based capital ratio | 18.2789% | 1,986 |
| Total risk-based capital ratio | 19.5105% | 1,946 |
| Memoranda: | ||
| Average total assets | $596,622,500 | 1,196 |
| Average earning assets | $550,397,500 | 1,184 |
| Average equity | $72,324,000 | 929 |
| Average total loans | $450,425,500 | 1,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 6,465 |
| Cost of funding earning assets | 2.5261% | 4,068 |
| Net interest margin | 3.2635% | 6,170 |
| Noninterest income to average assets | 0.4817% | 4,783 |
| Noninterest expense to average assets | 2.7981% | 4,826 |
| Loan and lease loss provision to assets | 0.0739% | 6,476 |
| Net operating income to assets | 0.5515% | 4,522 |
| Return on assets (ROA) | 0.5063% | 4,551 |
| Pretax return on assets | 0.5512% | 4,848 |
| Return on Equity (ROE) | 4.1302% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.1302% | 2,559 |
| Net charge-offs to loans | 0.0160% | 6,657 |
| Credit loss provision to net charge-offs | 613.0435% | 697 |
| Earnings coverage of net charge-offs (x) | 55.9275% | 707 |
| Efficiency ratio | 80.5836% | 2,520 |
| Assets per employee ($millions) | 4.2302% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,164 |
| Loan loss allowance to noncurrent loans | 141.5845% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 5,573 |
| Noncurrent loans to loans | 0.6974% | 5,290 |
| Net loans and leases to total assets | 75.8891% | 2,655 |
| Net loans and leases to deposits | 99.6543% | 1,876 |
| Net loans and leases to core deposits | 123.8179% | 2,339 |
| Total domestic deposits to total assets | 76.1524% | 6,204 |
| Equity capital to assets | 12.1735% | 2,172 |
| Core capital (leverage) ratio | 12.2467% | 1,864 |
| Tier 1 risk-based capital ratio | 18.2546% | 1,972 |
| Total risk-based capital ratio | 19.4492% | 1,940 |
| Memoranda: | ||
| Average total assets | $572,387,400 | 1,175 |
| Average earning assets | $524,532,800 | 1,177 |
| Average equity | $70,166,000 | 952 |
| Average total loans | $432,326,800 | 1,108 |