Home > Partners Bank of New England > Performance and Condition Ratios
Partners Bank of New England, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 2,772 |
| Cost of funding earning assets | 1.7694% | 1,305 |
| Net interest margin | 2.8871% | 3,515 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.3562% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4929% | 3,683 |
| Return on assets (ROA) | 0.6665% | 3,262 |
| Pretax return on assets | 0.8537% | 3,084 |
| Return on Equity (ROE) | 8.6000% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.5960% | 1,365 |
| Net charge-offs to loans | -0.0031% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.6823% | 1,016 |
| Assets per employee ($millions) | 8.0866% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,361 |
| Loan loss allowance to noncurrent loans | 371.0483% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 2,122 |
| Noncurrent loans to loans | 0.2673% | 2,231 |
| Net loans and leases to total assets | 81.5700% | 473 |
| Net loans and leases to deposits | 115.3551% | 122 |
| Net loans and leases to core deposits | 128.3291% | 428 |
| Total domestic deposits to total assets | 70.7100% | 4,267 |
| Equity capital to assets | 8.0068% | 3,411 |
| Core capital (leverage) ratio | 9.1055% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6625% | 2,001 |
| Memoranda: | ||
| Average total assets | $1,058,792,600 | 934 |
| Average earning assets | $1,005,515,800 | 901 |
| Average equity | $82,096,600 | 1,111 |
| Average total loans | $872,298,000 | 810 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,705 |
| Cost of funding earning assets | 1.6404% | 1,301 |
| Net interest margin | 2.9479% | 3,434 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3813% | 2,578 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4764% | 3,812 |
| Return on assets (ROA) | 0.4986% | 3,769 |
| Pretax return on assets | 0.6395% | 3,661 |
| Return on Equity (ROE) | 6.4900% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,470 |
| Net charge-offs to loans | -0.0109% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.0426% | 1,008 |
| Assets per employee ($millions) | 7.7760% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,091 |
| Loan loss allowance to noncurrent loans | 3,832.3770% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,591 |
| Noncurrent loans to loans | 0.0276% | 3,573 |
| Net loans and leases to total assets | 81.0400% | 533 |
| Net loans and leases to deposits | 109.8340% | 204 |
| Net loans and leases to core deposits | 126.5088% | 404 |
| Total domestic deposits to total assets | 73.7900% | 4,173 |
| Equity capital to assets | 7.3936% | 3,416 |
| Core capital (leverage) ratio | 8.8771% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5670% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,050,567,750 | 940 |
| Average earning assets | $998,751,000 | 907 |
| Average equity | $80,768,250 | 1,120 |
| Average total loans | $865,518,500 | 815 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,663 |
| Cost of funding earning assets | 1.4838% | 1,272 |
| Net interest margin | 3.0071% | 3,417 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4087% | 2,455 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4790% | 3,852 |
| Return on assets (ROA) | 0.5824% | 3,631 |
| Pretax return on assets | 0.7466% | 3,507 |
| Return on Equity (ROE) | 7.4800% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.4766% | 2,138 |
| Net charge-offs to loans | 0.0026% | 2,254 |
| Credit loss provision to net charge-offs | 4,172.7273% | 126 |
| Earnings coverage of net charge-offs (x) | 332.1818% | 416 |
| Efficiency ratio | 77.4235% | 1,051 |
| Assets per employee ($millions) | 7.6029% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,224 |
| Loan loss allowance to noncurrent loans | 3,629.1339% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,561 |
| Noncurrent loans to loans | 0.0288% | 3,550 |
| Net loans and leases to total assets | 81.4700% | 474 |
| Net loans and leases to deposits | 106.3162% | 297 |
| Net loans and leases to core deposits | 129.4793% | 337 |
| Total domestic deposits to total assets | 76.6300% | 3,991 |
| Equity capital to assets | 7.6418% | 3,444 |
| Core capital (leverage) ratio | 8.9368% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5923% | 2,062 |
| Memoranda: | ||
| Average total assets | $1,040,468,333 | 935 |
| Average earning assets | $991,250,333 | 904 |
| Average equity | $81,052,667 | 1,112 |
| Average total loans | $858,920,333 | 806 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 2,601 |
| Cost of funding earning assets | 1.2396% | 1,361 |
| Net interest margin | 3.1423% | 3,256 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4920% | 2,266 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5480% | 3,795 |
| Return on assets (ROA) | 0.6944% | 3,435 |
| Pretax return on assets | 0.8896% | 3,271 |
| Return on Equity (ROE) | 8.8300% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.8268% | 1,998 |
| Net charge-offs to loans | 0.0033% | 1,889 |
| Credit loss provision to net charge-offs | 1,242.8571% | 322 |
| Earnings coverage of net charge-offs (x) | 268.8571% | 403 |
| Efficiency ratio | 77.2320% | 1,071 |
| Assets per employee ($millions) | 7.4615% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,397 |
| Loan loss allowance to noncurrent loans | 3,416.9884% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,540 |
| Noncurrent loans to loans | 0.0301% | 3,546 |
| Net loans and leases to total assets | 81.5600% | 411 |
| Net loans and leases to deposits | 95.9153% | 658 |
| Net loans and leases to core deposits | 124.3592% | 359 |
| Total domestic deposits to total assets | 85.0300% | 2,854 |
| Equity capital to assets | 7.9078% | 3,308 |
| Core capital (leverage) ratio | 9.1234% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6268% | 2,126 |
| Memoranda: | ||
| Average total assets | $1,024,699,500 | 965 |
| Average earning assets | $975,834,000 | 933 |
| Average equity | $80,618,500 | 1,130 |
| Average total loans | $847,116,000 | 829 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 1,638 |
| Cost of funding earning assets | 0.4573% | 1,668 |
| Net interest margin | 3.5737% | 1,719 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6569% | 1,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8395% | 3,191 |
| Return on assets (ROA) | 0.6434% | 3,724 |
| Pretax return on assets | 0.8095% | 3,602 |
| Return on Equity (ROE) | 7.3500% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.3524% | 2,080 |
| Net charge-offs to loans | 0.0294% | 1,476 |
| Credit loss provision to net charge-offs | -18.0556% | 4,550 |
| Earnings coverage of net charge-offs (x) | 44.6389% | 1,438 |
| Efficiency ratio | 71.6086% | 1,483 |
| Assets per employee ($millions) | 7.3343% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 3,633 |
| Loan loss allowance to noncurrent loans | 2,952.8302% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,559 |
| Noncurrent loans to loans | 0.0318% | 3,553 |
| Net loans and leases to total assets | 82.1700% | 392 |
| Net loans and leases to deposits | 96.3566% | 619 |
| Net loans and leases to core deposits | 114.1853% | 486 |
| Total domestic deposits to total assets | 85.2800% | 2,914 |
| Equity capital to assets | 7.8257% | 3,172 |
| Core capital (leverage) ratio | 9.1499% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9519% | 1,995 |
| Memoranda: | ||
| Average total assets | $915,303,600 | 1,060 |
| Average earning assets | $868,767,400 | 1,029 |
| Average equity | $80,096,800 | 1,129 |
| Average total loans | $733,541,400 | 869 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 1,521 |
| Cost of funding earning assets | 0.3327% | 1,834 |
| Net interest margin | 3.5518% | 1,516 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.6516% | 1,590 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8962% | 2,876 |
| Return on assets (ROA) | 0.2989% | 4,340 |
| Pretax return on assets | 0.3646% | 4,314 |
| Return on Equity (ROE) | 3.3200% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,693 |
| Net charge-offs to loans | 0.0401% | 1,091 |
| Credit loss provision to net charge-offs | -121.5962% | 4,647 |
| Earnings coverage of net charge-offs (x) | 33.1502% | 1,476 |
| Efficiency ratio | 71.5500% | 1,583 |
| Assets per employee ($millions) | 6.9897% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 3,702 |
| Loan loss allowance to noncurrent loans | 5,072.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,814 |
| Noncurrent loans to loans | 0.0186% | 3,787 |
| Net loans and leases to total assets | 81.4300% | 415 |
| Net loans and leases to deposits | 97.0799% | 493 |
| Net loans and leases to core deposits | 109.7560% | 480 |
| Total domestic deposits to total assets | 83.8800% | 3,526 |
| Equity capital to assets | 7.6285% | 3,134 |
| Core capital (leverage) ratio | 9.1481% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9033% | 2,091 |
| Memoranda: | ||
| Average total assets | $892,930,750 | 1,089 |
| Average earning assets | $846,882,750 | 1,066 |
| Average equity | $80,463,000 | 1,136 |
| Average total loans | $708,563,500 | 889 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 1,317 |
| Cost of funding earning assets | 0.2692% | 2,037 |
| Net interest margin | 3.5312% | 1,229 |
| Noninterest income to average assets | 0.3769% | 2,893 |
| Noninterest expense to average assets | 2.7217% | 1,334 |
| Loan and lease loss provision to assets | -0.0692% | 4,554 |
| Net operating income to assets | 0.8887% | 2,628 |
| Return on assets (ROA) | 0.4132% | 4,031 |
| Pretax return on assets | 0.4991% | 4,000 |
| Return on Equity (ROE) | 4.3349% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.3349% | 2,957 |
| Net charge-offs to loans | 0.0579% | 818 |
| Credit loss provision to net charge-offs | -152.5510% | 3,172 |
| Earnings coverage of net charge-offs (x) | 22.1122% | 1,511 |
| Efficiency ratio | 73.0757% | 1,612 |
| Assets per employee ($millions) | 6.6730% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,474 |
| Loan loss allowance to noncurrent loans | 4,831.8471% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,842 |
| Noncurrent loans to loans | 0.0213% | 3,805 |
| Net loans and leases to total assets | 79.8257% | 421 |
| Net loans and leases to deposits | 94.2093% | 510 |
| Net loans and leases to core deposits | 103.1225% | 544 |
| Total domestic deposits to total assets | 84.7322% | 3,543 |
| Equity capital to assets | 8.5157% | 2,751 |
| Core capital (leverage) ratio | 9.9119% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6817% | 1,808 |
| Memoranda: | ||
| Average total assets | $864,390,333 | 1,122 |
| Average earning assets | $819,438,000 | 1,096 |
| Average equity | $82,401,000 | 1,129 |
| Average total loans | $676,604,667 | 918 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 1,136 |
| Cost of funding earning assets | 0.2612% | 2,030 |
| Net interest margin | 3.5126% | 1,070 |
| Noninterest income to average assets | 0.4898% | 2,198 |
| Noninterest expense to average assets | 2.7021% | 1,360 |
| Loan and lease loss provision to assets | -0.0848% | 4,573 |
| Net operating income to assets | 0.9845% | 1,947 |
| Return on assets (ROA) | 1.1150% | 1,483 |
| Pretax return on assets | 1.3637% | 1,346 |
| Return on Equity (ROE) | 11.0539% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.0539% | 780 |
| Net charge-offs to loans | 0.1486% | 391 |
| Credit loss provision to net charge-offs | -74.1667% | 2,855 |
| Earnings coverage of net charge-offs (x) | 9.7917% | 1,476 |
| Efficiency ratio | 70.7019% | 2,132 |
| Assets per employee ($millions) | 6.5877% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,014 |
| Loan loss allowance to noncurrent loans | 4,671.9512% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,856 |
| Noncurrent loans to loans | 0.0250% | 3,814 |
| Net loans and leases to total assets | 77.5502% | 409 |
| Net loans and leases to deposits | 87.8037% | 632 |
| Net loans and leases to core deposits | 95.4176% | 677 |
| Total domestic deposits to total assets | 88.3223% | 2,379 |
| Equity capital to assets | 9.9492% | 1,934 |
| Core capital (leverage) ratio | 10.6209% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6065% | 1,614 |
| Memoranda: | ||
| Average total assets | $839,485,000 | 1,150 |
| Average earning assets | $796,325,000 | 1,131 |
| Average equity | $84,676,000 | 1,141 |
| Average total loans | $646,230,500 | 951 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 1,406 |
| Cost of funding earning assets | 0.3394% | 2,027 |
| Net interest margin | 3.6409% | 1,362 |
| Noninterest income to average assets | 0.3895% | 3,106 |
| Noninterest expense to average assets | 2.7627% | 1,448 |
| Loan and lease loss provision to assets | 0.0025% | 3,025 |
| Net operating income to assets | 0.8450% | 3,203 |
| Return on assets (ROA) | 1.3003% | 1,643 |
| Pretax return on assets | 1.6526% | 1,265 |
| Return on Equity (ROE) | 12.3571% | 1,695 |
| Retained earnings to average equity (ytd only) | 12.3571% | 493 |
| Net charge-offs to loans | -0.0039% | 3,498 |
| Credit loss provision to net charge-offs | -79.1667% | 3,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9185% | 1,523 |
| Assets per employee ($millions) | 6.7386% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,496 |
| Loan loss allowance to noncurrent loans | 1,704.6414% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,586 |
| Noncurrent loans to loans | 0.0745% | 3,561 |
| Net loans and leases to total assets | 74.5436% | 621 |
| Net loans and leases to deposits | 84.6068% | 876 |
| Net loans and leases to core deposits | 92.3469% | 857 |
| Total domestic deposits to total assets | 88.1059% | 1,989 |
| Equity capital to assets | 10.2232% | 2,446 |
| Core capital (leverage) ratio | 10.4605% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8905% | 1,551 |
| Memoranda: | ||
| Average total assets | $771,280,400 | 1,194 |
| Average earning assets | $731,239,200 | 1,179 |
| Average equity | $81,160,000 | 1,197 |
| Average total loans | $610,241,800 | 993 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 1,483 |
| Cost of funding earning assets | 0.3541% | 2,078 |
| Net interest margin | 3.6704% | 1,405 |
| Noninterest income to average assets | 0.4034% | 3,064 |
| Noninterest expense to average assets | 2.6442% | 1,719 |
| Loan and lease loss provision to assets | 0.0097% | 2,796 |
| Net operating income to assets | 0.9644% | 3,035 |
| Return on assets (ROA) | 1.3161% | 1,828 |
| Pretax return on assets | 1.6716% | 1,485 |
| Return on Equity (ROE) | 12.4085% | 1,902 |
| Retained earnings to average equity (ytd only) | 12.4085% | 749 |
| Net charge-offs to loans | -0.0020% | 3,218 |
| Credit loss provision to net charge-offs | -611.1111% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1441% | 1,804 |
| Assets per employee ($millions) | 6.4733% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,538 |
| Loan loss allowance to noncurrent loans | 925.8286% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 3,383 |
| Noncurrent loans to loans | 0.1395% | 3,416 |
| Net loans and leases to total assets | 76.5433% | 504 |
| Net loans and leases to deposits | 86.9567% | 773 |
| Net loans and leases to core deposits | 97.2106% | 690 |
| Total domestic deposits to total assets | 88.0246% | 1,829 |
| Equity capital to assets | 10.2416% | 2,665 |
| Core capital (leverage) ratio | 10.6533% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9792% | 1,619 |
| Memoranda: | ||
| Average total assets | $753,519,000 | 1,230 |
| Average earning assets | $713,807,250 | 1,212 |
| Average equity | $79,921,750 | 1,230 |
| Average total loans | $603,807,250 | 1,023 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 1,419 |
| Cost of funding earning assets | 0.3741% | 2,095 |
| Net interest margin | 3.6912% | 1,372 |
| Noninterest income to average assets | 0.4155% | 3,034 |
| Noninterest expense to average assets | 2.6741% | 1,654 |
| Loan and lease loss provision to assets | 0.0103% | 2,729 |
| Net operating income to assets | 0.9620% | 3,027 |
| Return on assets (ROA) | 1.6216% | 1,061 |
| Pretax return on assets | 2.0594% | 742 |
| Return on Equity (ROE) | 15.0978% | 1,128 |
| Retained earnings to average equity (ytd only) | 15.0978% | 416 |
| Net charge-offs to loans | -0.0034% | 3,319 |
| Credit loss provision to net charge-offs | -380.0000% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4093% | 1,827 |
| Assets per employee ($millions) | 6.4459% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,331 |
| Loan loss allowance to noncurrent loans | 957.9384% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 3,495 |
| Noncurrent loans to loans | 0.1380% | 3,506 |
| Net loans and leases to total assets | 78.6988% | 394 |
| Net loans and leases to deposits | 90.2332% | 638 |
| Net loans and leases to core deposits | 100.8601% | 634 |
| Total domestic deposits to total assets | 87.2172% | 2,211 |
| Equity capital to assets | 10.6295% | 2,283 |
| Core capital (leverage) ratio | 10.9973% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0055% | 1,626 |
| Memoranda: | ||
| Average total assets | $734,972,333 | 1,246 |
| Average earning assets | $695,596,000 | 1,227 |
| Average equity | $78,938,667 | 1,235 |
| Average total loans | $595,923,667 | 1,034 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 1,219 |
| Cost of funding earning assets | 0.3990% | 2,104 |
| Net interest margin | 3.7885% | 1,164 |
| Noninterest income to average assets | 0.4301% | 2,932 |
| Noninterest expense to average assets | 2.6762% | 1,677 |
| Loan and lease loss provision to assets | 0.1530% | 843 |
| Net operating income to assets | 0.9373% | 3,019 |
| Return on assets (ROA) | 1.8722% | 745 |
| Pretax return on assets | 2.3657% | 545 |
| Return on Equity (ROE) | 17.3363% | 801 |
| Retained earnings to average equity (ytd only) | 17.3363% | 398 |
| Net charge-offs to loans | -0.0027% | 3,201 |
| Credit loss provision to net charge-offs | -6,875.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7129% | 2,122 |
| Assets per employee ($millions) | 6.2337% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,918 |
| Loan loss allowance to noncurrent loans | 793.5115% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,470 |
| Noncurrent loans to loans | 0.1775% | 3,471 |
| Net loans and leases to total assets | 78.4744% | 436 |
| Net loans and leases to deposits | 90.4352% | 681 |
| Net loans and leases to core deposits | 102.2721% | 624 |
| Total domestic deposits to total assets | 86.7742% | 2,407 |
| Equity capital to assets | 10.6122% | 2,156 |
| Core capital (leverage) ratio | 11.2766% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2432% | 1,492 |
| Memoranda: | ||
| Average total assets | $718,928,000 | 1,257 |
| Average earning assets | $679,642,500 | 1,242 |
| Average equity | $77,640,500 | 1,243 |
| Average total loans | $588,009,000 | 1,051 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 1,728 |
| Cost of funding earning assets | 0.6879% | 1,782 |
| Net interest margin | 3.6591% | 1,939 |
| Noninterest income to average assets | 0.4232% | 3,004 |
| Noninterest expense to average assets | 3.0056% | 1,423 |
| Loan and lease loss provision to assets | 0.5018% | 489 |
| Net operating income to assets | 0.2957% | 4,436 |
| Return on assets (ROA) | 0.2662% | 4,546 |
| Pretax return on assets | 0.3134% | 4,528 |
| Return on Equity (ROE) | 2.3920% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.3920% | 3,669 |
| Net charge-offs to loans | 0.0418% | 2,225 |
| Credit loss provision to net charge-offs | 1,431.3043% | 581 |
| Earnings coverage of net charge-offs (x) | 24.2435% | 1,780 |
| Efficiency ratio | 77.9544% | 1,034 |
| Assets per employee ($millions) | 5.3542% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 2,097 |
| Loan loss allowance to noncurrent loans | 699.4778% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,446 |
| Noncurrent loans to loans | 0.1962% | 3,503 |
| Net loans and leases to total assets | 82.9735% | 229 |
| Net loans and leases to deposits | 98.4867% | 437 |
| Net loans and leases to core deposits | 106.1933% | 637 |
| Total domestic deposits to total assets | 84.2485% | 3,032 |
| Equity capital to assets | 10.9991% | 2,253 |
| Core capital (leverage) ratio | 11.1821% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9079% | 1,563 |
| Memoranda: | ||
| Average total assets | $655,998,600 | 1,248 |
| Average earning assets | $615,372,200 | 1,239 |
| Average equity | $72,994,000 | 1,249 |
| Average total loans | $550,655,600 | 1,055 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 1,916 |
| Cost of funding earning assets | 0.7525% | 1,729 |
| Net interest margin | 3.6206% | 2,197 |
| Noninterest income to average assets | 0.4481% | 2,857 |
| Noninterest expense to average assets | 3.0066% | 1,433 |
| Loan and lease loss provision to assets | 0.6525% | 360 |
| Net operating income to assets | 0.1601% | 4,643 |
| Return on assets (ROA) | -0.2797% | 4,861 |
| Pretax return on assets | -0.3763% | 4,876 |
| Return on Equity (ROE) | -2.5056% | 4,871 |
| Retained earnings to average equity (ytd only) | -2.5056% | 4,740 |
| Net charge-offs to loans | 0.0529% | 1,850 |
| Credit loss provision to net charge-offs | 1,470.2326% | 623 |
| Earnings coverage of net charge-offs (x) | 18.7674% | 1,953 |
| Efficiency ratio | 78.3088% | 1,002 |
| Assets per employee ($millions) | 5.6243% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 1,848 |
| Loan loss allowance to noncurrent loans | 581.5712% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,422 |
| Noncurrent loans to loans | 0.2365% | 3,458 |
| Net loans and leases to total assets | 84.8560% | 215 |
| Net loans and leases to deposits | 102.1143% | 449 |
| Net loans and leases to core deposits | 108.3887% | 755 |
| Total domestic deposits to total assets | 83.0991% | 3,122 |
| Equity capital to assets | 10.8299% | 2,531 |
| Core capital (leverage) ratio | 11.1569% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8720% | 1,543 |
| Memoranda: | ||
| Average total assets | $645,988,250 | 1,244 |
| Average earning assets | $605,075,000 | 1,236 |
| Average equity | $72,103,000 | 1,250 |
| Average total loans | $541,928,000 | 1,059 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,165 |
| Cost of funding earning assets | 0.8212% | 1,722 |
| Net interest margin | 3.5962% | 2,498 |
| Noninterest income to average assets | 0.4989% | 2,569 |
| Noninterest expense to average assets | 3.0109% | 1,549 |
| Loan and lease loss provision to assets | 0.5819% | 557 |
| Net operating income to assets | 0.2305% | 4,531 |
| Return on assets (ROA) | -0.4328% | 4,903 |
| Pretax return on assets | -0.5685% | 4,908 |
| Return on Equity (ROE) | -3.8374% | 4,913 |
| Retained earnings to average equity (ytd only) | -3.8374% | 4,715 |
| Net charge-offs to loans | 0.0652% | 1,591 |
| Credit loss provision to net charge-offs | 1,073.4104% | 754 |
| Earnings coverage of net charge-offs (x) | 15.7341% | 1,890 |
| Efficiency ratio | 77.9238% | 1,065 |
| Assets per employee ($millions) | 5.4447% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,426 |
| Loan loss allowance to noncurrent loans | 569.7177% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 3,638 |
| Noncurrent loans to loans | 0.2136% | 3,615 |
| Net loans and leases to total assets | 82.7310% | 348 |
| Net loans and leases to deposits | 101.0690% | 489 |
| Net loans and leases to core deposits | 108.0813% | 812 |
| Total domestic deposits to total assets | 81.8559% | 3,409 |
| Equity capital to assets | 11.0787% | 2,269 |
| Core capital (leverage) ratio | 11.3200% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2291% | 1,438 |
| Memoranda: | ||
| Average total assets | $638,221,333 | 1,238 |
| Average earning assets | $597,193,000 | 1,228 |
| Average equity | $71,976,333 | 1,237 |
| Average total loans | $530,619,667 | 1,068 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 2,230 |
| Cost of funding earning assets | 0.8878% | 1,934 |
| Net interest margin | 3.6393% | 2,541 |
| Noninterest income to average assets | 0.4440% | 2,825 |
| Noninterest expense to average assets | 3.0508% | 1,764 |
| Loan and lease loss provision to assets | 0.2543% | 1,219 |
| Net operating income to assets | 0.4437% | 4,039 |
| Return on assets (ROA) | -2.1628% | 5,046 |
| Pretax return on assets | -2.7597% | 5,050 |
| Return on Equity (ROE) | -19.0045% | 5,053 |
| Retained earnings to average equity (ytd only) | -19.0045% | 4,951 |
| Net charge-offs to loans | 0.1156% | 1,011 |
| Credit loss provision to net charge-offs | 265.5629% | 1,253 |
| Earnings coverage of net charge-offs (x) | 8.2914% | 1,869 |
| Efficiency ratio | 79.3468% | 1,205 |
| Assets per employee ($millions) | 5.1007% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,725 |
| Loan loss allowance to noncurrent loans | 420.6924% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,719 |
| Noncurrent loans to loans | 0.2371% | 3,635 |
| Net loans and leases to total assets | 80.6867% | 606 |
| Net loans and leases to deposits | 104.0009% | 366 |
| Net loans and leases to core deposits | 114.9205% | 627 |
| Total domestic deposits to total assets | 77.5827% | 4,286 |
| Equity capital to assets | 10.9418% | 2,910 |
| Core capital (leverage) ratio | 11.6844% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8056% | 1,660 |
| Memoranda: | ||
| Average total assets | $630,652,000 | 1,216 |
| Average earning assets | $589,338,000 | 1,207 |
| Average equity | $71,772,500 | 1,239 |
| Average total loans | $522,334,000 | 1,056 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 2,059 |
| Cost of funding earning assets | 0.9012% | 2,184 |
| Net interest margin | 3.8927% | 2,203 |
| Noninterest income to average assets | 0.4154% | 3,203 |
| Noninterest expense to average assets | 3.2323% | 1,441 |
| Loan and lease loss provision to assets | 0.1095% | 1,901 |
| Net operating income to assets | 0.5842% | 4,211 |
| Return on assets (ROA) | 1.1128% | 2,483 |
| Pretax return on assets | 1.4025% | 2,149 |
| Return on Equity (ROE) | 9.3730% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.3730% | 623 |
| Net charge-offs to loans | 0.0353% | 2,681 |
| Credit loss provision to net charge-offs | 357.7778% | 782 |
| Earnings coverage of net charge-offs (x) | 27.5389% | 1,660 |
| Efficiency ratio | 79.3165% | 999 |
| Assets per employee ($millions) | 5.0294% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 3,725 |
| Loan loss allowance to noncurrent loans | 538.8949% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 3,888 |
| Noncurrent loans to loans | 0.1772% | 3,824 |
| Net loans and leases to total assets | 83.3966% | 378 |
| Net loans and leases to deposits | 106.6562% | 275 |
| Net loans and leases to core deposits | 113.2815% | 701 |
| Total domestic deposits to total assets | 78.1920% | 4,329 |
| Equity capital to assets | 11.8366% | 2,251 |
| Core capital (leverage) ratio | 12.5612% | 1,453 |
| Tier 1 risk-based capital ratio | 15.8549% | 2,456 |
| Total risk-based capital ratio | 17.1057% | 2,402 |
| Memoranda: | ||
| Average total assets | $588,090,600 | 1,237 |
| Average earning assets | $552,900,000 | 1,226 |
| Average equity | $69,817,400 | 1,226 |
| Average total loans | $510,103,200 | 1,060 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 1,997 |
| Cost of funding earning assets | 0.9047% | 2,209 |
| Net interest margin | 3.9367% | 2,143 |
| Noninterest income to average assets | 0.4288% | 3,155 |
| Noninterest expense to average assets | 3.2401% | 1,389 |
| Loan and lease loss provision to assets | 0.1415% | 1,360 |
| Net operating income to assets | 0.5771% | 4,353 |
| Return on assets (ROA) | 0.9905% | 3,089 |
| Pretax return on assets | 1.2725% | 2,745 |
| Return on Equity (ROE) | 8.3363% | 3,181 |
| Retained earnings to average equity (ytd only) | 8.3363% | 1,272 |
| Net charge-offs to loans | 0.0092% | 3,039 |
| Credit loss provision to net charge-offs | 1,760.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 110.7894% | 696 |
| Efficiency ratio | 78.4364% | 1,060 |
| Assets per employee ($millions) | 4.8439% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,622 |
| Loan loss allowance to noncurrent loans | 383.3584% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,674 |
| Noncurrent loans to loans | 0.2583% | 3,615 |
| Net loans and leases to total assets | 86.8399% | 141 |
| Net loans and leases to deposits | 108.1885% | 262 |
| Net loans and leases to core deposits | 115.0948% | 696 |
| Total domestic deposits to total assets | 80.2672% | 3,934 |
| Equity capital to assets | 12.1175% | 2,172 |
| Core capital (leverage) ratio | 12.5197% | 1,555 |
| Tier 1 risk-based capital ratio | 14.7970% | 2,955 |
| Total risk-based capital ratio | 16.3711% | 2,727 |
| Memoranda: | ||
| Average total assets | $580,457,750 | 1,257 |
| Average earning assets | $545,860,500 | 1,242 |
| Average equity | $68,965,750 | 1,232 |
| Average total loans | $507,408,000 | 1,063 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 1,994 |
| Cost of funding earning assets | 0.8817% | 2,233 |
| Net interest margin | 3.9398% | 2,120 |
| Noninterest income to average assets | 0.4369% | 3,026 |
| Noninterest expense to average assets | 3.2279% | 1,447 |
| Loan and lease loss provision to assets | 0.1614% | 1,122 |
| Net operating income to assets | 0.5782% | 4,366 |
| Return on assets (ROA) | 1.0847% | 2,653 |
| Pretax return on assets | 1.3958% | 2,219 |
| Return on Equity (ROE) | 9.1915% | 2,777 |
| Retained earnings to average equity (ytd only) | 9.1915% | 982 |
| Net charge-offs to loans | -0.0020% | 3,950 |
| Credit loss provision to net charge-offs | -9,340.0000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8946% | 1,165 |
| Assets per employee ($millions) | 4.9734% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,823 |
| Loan loss allowance to noncurrent loans | 401.2077% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,730 |
| Noncurrent loans to loans | 0.2397% | 3,678 |
| Net loans and leases to total assets | 87.4486% | 135 |
| Net loans and leases to deposits | 112.9316% | 167 |
| Net loans and leases to core deposits | 121.3990% | 503 |
| Total domestic deposits to total assets | 77.4350% | 4,497 |
| Equity capital to assets | 11.8785% | 2,280 |
| Core capital (leverage) ratio | 12.5104% | 1,532 |
| Tier 1 risk-based capital ratio | 14.1178% | 3,253 |
| Total risk-based capital ratio | 15.6776% | 3,018 |
| Memoranda: | ||
| Average total assets | $578,573,330 | 1,260 |
| Average earning assets | $544,393,000 | 1,247 |
| Average equity | $68,280,330 | 1,231 |
| Average total loans | $505,187,670 | 1,066 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 1,945 |
| Cost of funding earning assets | 0.8508% | 2,268 |
| Net interest margin | 3.9345% | 2,079 |
| Noninterest income to average assets | 0.4206% | 3,046 |
| Noninterest expense to average assets | 3.2373% | 1,412 |
| Loan and lease loss provision to assets | 0.1414% | 1,209 |
| Net operating income to assets | 0.5704% | 4,336 |
| Return on assets (ROA) | 1.5424% | 1,050 |
| Pretax return on assets | 1.9755% | 668 |
| Return on Equity (ROE) | 13.1132% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.1132% | 444 |
| Net charge-offs to loans | -0.0088% | 4,185 |
| Credit loss provision to net charge-offs | -1,845.4545% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5039% | 1,213 |
| Assets per employee ($millions) | 4.8986% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,999 |
| Loan loss allowance to noncurrent loans | 370.0078% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 3,731 |
| Noncurrent loans to loans | 0.2539% | 3,650 |
| Net loans and leases to total assets | 87.6804% | 112 |
| Net loans and leases to deposits | 110.5871% | 204 |
| Net loans and leases to core deposits | 118.0341% | 578 |
| Total domestic deposits to total assets | 79.2863% | 4,301 |
| Equity capital to assets | 12.0899% | 1,970 |
| Core capital (leverage) ratio | 12.4175% | 1,554 |
| Tier 1 risk-based capital ratio | 14.1586% | 3,268 |
| Total risk-based capital ratio | 15.6960% | 3,051 |
| Memoranda: | ||
| Average total assets | $574,429,500 | 1,273 |
| Average earning assets | $540,653,000 | 1,255 |
| Average equity | $67,565,500 | 1,236 |
| Average total loans | $498,689,000 | 1,083 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 2,200 |
| Cost of funding earning assets | 0.7280% | 1,917 |
| Net interest margin | 3.8498% | 2,503 |
| Noninterest income to average assets | 0.4409% | 3,162 |
| Noninterest expense to average assets | 3.0476% | 1,941 |
| Loan and lease loss provision to assets | 0.1636% | 1,240 |
| Net operating income to assets | 0.6899% | 4,165 |
| Return on assets (ROA) | 0.7906% | 3,840 |
| Pretax return on assets | 0.9730% | 3,693 |
| Return on Equity (ROE) | 6.7881% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.7881% | 1,761 |
| Net charge-offs to loans | 0.0454% | 2,525 |
| Credit loss provision to net charge-offs | 426.8519% | 785 |
| Earnings coverage of net charge-offs (x) | 26.4120% | 1,725 |
| Efficiency ratio | 75.0666% | 1,483 |
| Assets per employee ($millions) | 4.8791% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 4,103 |
| Loan loss allowance to noncurrent loans | 319.9291% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,631 |
| Noncurrent loans to loans | 0.2852% | 3,545 |
| Net loans and leases to total assets | 84.3766% | 382 |
| Net loans and leases to deposits | 106.2005% | 362 |
| Net loans and leases to core deposits | 114.1866% | 778 |
| Total domestic deposits to total assets | 79.4503% | 4,224 |
| Equity capital to assets | 11.4414% | 2,300 |
| Core capital (leverage) ratio | 11.5574% | 2,056 |
| Tier 1 risk-based capital ratio | 12.8876% | 3,907 |
| Total risk-based capital ratio | 14.1773% | 3,775 |
| Memoranda: | ||
| Average total assets | $563,596,200 | 1,261 |
| Average earning assets | $529,790,200 | 1,250 |
| Average equity | $65,644,400 | 1,227 |
| Average total loans | $475,574,800 | 1,096 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 2,230 |
| Cost of funding earning assets | 0.6856% | 1,942 |
| Net interest margin | 3.8337% | 2,512 |
| Noninterest income to average assets | 0.4388% | 3,238 |
| Noninterest expense to average assets | 3.0836% | 1,805 |
| Loan and lease loss provision to assets | 0.1237% | 1,627 |
| Net operating income to assets | 0.6482% | 4,372 |
| Return on assets (ROA) | 0.8178% | 3,863 |
| Pretax return on assets | 1.0481% | 3,581 |
| Return on Equity (ROE) | 6.9896% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.9896% | 2,132 |
| Net charge-offs to loans | -0.0025% | 4,117 |
| Credit loss provision to net charge-offs | -5,766.6667% | 4,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3141% | 1,312 |
| Assets per employee ($millions) | 4.8027% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,295 |
| Loan loss allowance to noncurrent loans | 302.5838% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 3,730 |
| Noncurrent loans to loans | 0.2947% | 3,620 |
| Net loans and leases to total assets | 82.2003% | 679 |
| Net loans and leases to deposits | 104.0125% | 548 |
| Net loans and leases to core deposits | 112.4806% | 894 |
| Total domestic deposits to total assets | 79.0292% | 4,310 |
| Equity capital to assets | 11.4895% | 2,268 |
| Core capital (leverage) ratio | 11.5029% | 2,164 |
| Tier 1 risk-based capital ratio | 14.0912% | 3,328 |
| Total risk-based capital ratio | 15.7051% | 3,066 |
| Memoranda: | ||
| Average total assets | $559,340,750 | 1,273 |
| Average earning assets | $525,495,250 | 1,258 |
| Average equity | $65,447,750 | 1,227 |
| Average total loans | $470,864,250 | 1,106 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 2,222 |
| Cost of funding earning assets | 0.6372% | 2,005 |
| Net interest margin | 3.8226% | 2,491 |
| Noninterest income to average assets | 0.4374% | 3,238 |
| Noninterest expense to average assets | 3.1732% | 1,602 |
| Loan and lease loss provision to assets | 0.0999% | 1,950 |
| Net operating income to assets | 0.5879% | 4,537 |
| Return on assets (ROA) | 0.6932% | 4,217 |
| Pretax return on assets | 0.8872% | 3,996 |
| Return on Equity (ROE) | 5.8867% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.8867% | 2,614 |
| Net charge-offs to loans | -0.0052% | 4,108 |
| Credit loss provision to net charge-offs | -2,291.6667% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7983% | 1,137 |
| Assets per employee ($millions) | 4.7756% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 4,528 |
| Loan loss allowance to noncurrent loans | 277.8004% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 3,727 |
| Noncurrent loans to loans | 0.3087% | 3,603 |
| Net loans and leases to total assets | 83.2369% | 555 |
| Net loans and leases to deposits | 106.2954% | 424 |
| Net loans and leases to core deposits | 117.5905% | 651 |
| Total domestic deposits to total assets | 78.3071% | 4,536 |
| Equity capital to assets | 11.5451% | 2,165 |
| Core capital (leverage) ratio | 11.6097% | 1,977 |
| Tier 1 risk-based capital ratio | 14.2436% | 3,240 |
| Total risk-based capital ratio | 15.8520% | 2,984 |
| Memoranda: | ||
| Average total assets | $550,479,330 | 1,293 |
| Average earning assets | $516,924,000 | 1,280 |
| Average equity | $64,823,670 | 1,238 |
| Average total loans | $465,830,670 | 1,122 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,026 |
| Cost of funding earning assets | 0.5918% | 2,105 |
| Net interest margin | 3.8562% | 2,208 |
| Noninterest income to average assets | 0.4491% | 3,119 |
| Noninterest expense to average assets | 3.1575% | 1,673 |
| Loan and lease loss provision to assets | 0.1403% | 1,346 |
| Net operating income to assets | 0.6130% | 4,386 |
| Return on assets (ROA) | 0.7194% | 4,043 |
| Pretax return on assets | 0.9033% | 3,840 |
| Return on Equity (ROE) | 6.0469% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.0469% | 2,693 |
| Net charge-offs to loans | -0.0252% | 4,668 |
| Credit loss provision to net charge-offs | -655.1724% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6144% | 1,391 |
| Assets per employee ($millions) | 4.6930% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,559 |
| Loan loss allowance to noncurrent loans | 245.6654% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 3,655 |
| Noncurrent loans to loans | 0.3554% | 3,498 |
| Net loans and leases to total assets | 83.2126% | 521 |
| Net loans and leases to deposits | 105.6157% | 400 |
| Net loans and leases to core deposits | 125.8278% | 426 |
| Total domestic deposits to total assets | 78.7880% | 4,607 |
| Equity capital to assets | 11.7311% | 1,970 |
| Core capital (leverage) ratio | 11.7987% | 1,778 |
| Tier 1 risk-based capital ratio | 13.9609% | 3,399 |
| Total risk-based capital ratio | 15.5004% | 3,175 |
| Memoranda: | ||
| Average total assets | $541,568,500 | 1,324 |
| Average earning assets | $508,273,000 | 1,310 |
| Average equity | $64,430,000 | 1,251 |
| Average total loans | $460,182,000 | 1,137 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,833 |
| Cost of funding earning assets | 0.6345% | 1,392 |
| Net interest margin | 3.8299% | 2,319 |
| Noninterest income to average assets | 0.4721% | 3,175 |
| Noninterest expense to average assets | 3.1520% | 1,716 |
| Loan and lease loss provision to assets | 0.0806% | 2,590 |
| Net operating income to assets | 0.5476% | 4,232 |
| Return on assets (ROA) | 0.6507% | 3,855 |
| Pretax return on assets | 0.9738% | 3,662 |
| Return on Equity (ROE) | 5.6214% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.6214% | 1,754 |
| Net charge-offs to loans | 0.0711% | 2,432 |
| Credit loss provision to net charge-offs | 135.9621% | 1,945 |
| Earnings coverage of net charge-offs (x) | 15.1861% | 2,264 |
| Efficiency ratio | 77.7798% | 1,387 |
| Assets per employee ($millions) | 4.5682% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 4,744 |
| Loan loss allowance to noncurrent loans | 316.8193% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 4,015 |
| Noncurrent loans to loans | 0.2614% | 3,852 |
| Net loans and leases to total assets | 85.2481% | 319 |
| Net loans and leases to deposits | 108.4711% | 308 |
| Net loans and leases to core deposits | 125.5619% | 449 |
| Total domestic deposits to total assets | 78.5906% | 4,627 |
| Equity capital to assets | 12.0092% | 1,833 |
| Core capital (leverage) ratio | 11.7854% | 1,739 |
| Tier 1 risk-based capital ratio | 13.9075% | 3,416 |
| Total risk-based capital ratio | 15.5074% | 3,116 |
| Memoranda: | ||
| Average total assets | $534,615,800 | 1,317 |
| Average earning assets | $499,777,800 | 1,301 |
| Average equity | $61,888,600 | 1,280 |
| Average total loans | $445,783,600 | 1,138 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 1,790 |
| Cost of funding earning assets | 0.6531% | 1,214 |
| Net interest margin | 3.7952% | 2,420 |
| Noninterest income to average assets | 0.4693% | 3,218 |
| Noninterest expense to average assets | 3.0756% | 1,877 |
| Loan and lease loss provision to assets | 0.1185% | 1,829 |
| Net operating income to assets | 0.5848% | 4,440 |
| Return on assets (ROA) | 0.7192% | 3,936 |
| Pretax return on assets | 1.0105% | 3,645 |
| Return on Equity (ROE) | 6.2714% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.2714% | 2,074 |
| Net charge-offs to loans | 0.1136% | 1,655 |
| Credit loss provision to net charge-offs | 125.9947% | 1,929 |
| Earnings coverage of net charge-offs (x) | 9.9948% | 2,642 |
| Efficiency ratio | 76.5977% | 1,511 |
| Assets per employee ($millions) | 4.6982% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,801 |
| Loan loss allowance to noncurrent loans | 344.7680% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 4,273 |
| Noncurrent loans to loans | 0.2423% | 4,085 |
| Net loans and leases to total assets | 83.2359% | 523 |
| Net loans and leases to deposits | 107.4059% | 361 |
| Net loans and leases to core deposits | 122.4897% | 503 |
| Total domestic deposits to total assets | 77.4966% | 4,805 |
| Equity capital to assets | 11.6704% | 2,213 |
| Core capital (leverage) ratio | 11.5773% | 1,964 |
| Tier 1 risk-based capital ratio | 13.6204% | 3,626 |
| Total risk-based capital ratio | 15.1367% | 3,428 |
| Memoranda: | ||
| Average total assets | $534,649,750 | 1,327 |
| Average earning assets | $499,529,500 | 1,308 |
| Average equity | $61,314,000 | 1,295 |
| Average total loans | $442,369,750 | 1,152 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 1,819 |
| Cost of funding earning assets | 0.6695% | 1,043 |
| Net interest margin | 3.7286% | 2,553 |
| Noninterest income to average assets | 0.4471% | 3,374 |
| Noninterest expense to average assets | 3.0557% | 1,956 |
| Loan and lease loss provision to assets | 0.1888% | 993 |
| Net operating income to assets | 0.4765% | 4,768 |
| Return on assets (ROA) | 0.6874% | 3,963 |
| Pretax return on assets | 0.9910% | 3,599 |
| Return on Equity (ROE) | 6.0296% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.0296% | 2,096 |
| Net charge-offs to loans | 0.0611% | 2,048 |
| Credit loss provision to net charge-offs | 375.3731% | 824 |
| Earnings coverage of net charge-offs (x) | 17.3806% | 1,926 |
| Efficiency ratio | 77.7534% | 1,499 |
| Assets per employee ($millions) | 4.6293% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,622 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 4,181 |
| Noncurrent loans to loans | 0.2843% | 4,021 |
| Net loans and leases to total assets | 83.5553% | 484 |
| Net loans and leases to deposits | 109.6725% | 267 |
| Net loans and leases to core deposits | 122.6492% | 475 |
| Total domestic deposits to total assets | 76.1862% | 5,068 |
| Equity capital to assets | 11.5666% | 2,255 |
| Core capital (leverage) ratio | 11.4743% | 1,986 |
| Tier 1 risk-based capital ratio | 13.5505% | 3,673 |
| Total risk-based capital ratio | 15.0498% | 3,457 |
| Memoranda: | ||
| Average total assets | $532,769,330 | 1,338 |
| Average earning assets | $497,669,670 | 1,320 |
| Average equity | $60,734,000 | 1,308 |
| Average total loans | $438,658,000 | 1,162 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 1,844 |
| Cost of funding earning assets | 0.6739% | 964 |
| Net interest margin | 3.6677% | 2,616 |
| Noninterest income to average assets | 0.4150% | 3,562 |
| Noninterest expense to average assets | 3.0366% | 2,064 |
| Loan and lease loss provision to assets | 0.1599% | 1,127 |
| Net operating income to assets | 0.4549% | 4,759 |
| Return on assets (ROA) | 0.6905% | 3,784 |
| Pretax return on assets | 0.9772% | 3,473 |
| Return on Equity (ROE) | 6.1016% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.1016% | 2,281 |
| Net charge-offs to loans | 0.1199% | 1,210 |
| Credit loss provision to net charge-offs | 163.8462% | 1,151 |
| Earnings coverage of net charge-offs (x) | 8.2538% | 2,075 |
| Efficiency ratio | 79.0389% | 1,481 |
| Assets per employee ($millions) | 4.7867% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,917 |
| Loan loss allowance to noncurrent loans | 292.5581% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 4,263 |
| Noncurrent loans to loans | 0.2914% | 4,068 |
| Net loans and leases to total assets | 81.8624% | 582 |
| Net loans and leases to deposits | 107.3246% | 276 |
| Net loans and leases to core deposits | 122.1595% | 409 |
| Total domestic deposits to total assets | 76.2755% | 5,204 |
| Equity capital to assets | 11.3519% | 2,305 |
| Core capital (leverage) ratio | 11.3294% | 2,076 |
| Tier 1 risk-based capital ratio | 12.9589% | 4,101 |
| Total risk-based capital ratio | 14.4042% | 3,899 |
| Memoranda: | ||
| Average total assets | $532,968,500 | 1,336 |
| Average earning assets | $497,971,500 | 1,321 |
| Average equity | $60,312,500 | 1,314 |
| Average total loans | $433,545,000 | 1,173 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,160 |
| Cost of funding earning assets | 0.7389% | 665 |
| Net interest margin | 3.5561% | 3,229 |
| Noninterest income to average assets | 0.4764% | 3,368 |
| Noninterest expense to average assets | 3.0777% | 2,103 |
| Loan and lease loss provision to assets | -0.0122% | 5,499 |
| Net operating income to assets | 0.5362% | 4,489 |
| Return on assets (ROA) | 0.6213% | 4,235 |
| Pretax return on assets | 0.8361% | 4,064 |
| Return on Equity (ROE) | 5.5596% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.5596% | 1,977 |
| Net charge-offs to loans | -0.0105% | 4,951 |
| Credit loss provision to net charge-offs | 146.5116% | 1,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2782% | 1,279 |
| Assets per employee ($millions) | 4.8166% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,899 |
| Loan loss allowance to noncurrent loans | 272.4723% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 4,279 |
| Noncurrent loans to loans | 0.3192% | 4,005 |
| Net loans and leases to total assets | 79.4130% | 974 |
| Net loans and leases to deposits | 101.8016% | 545 |
| Net loans and leases to core deposits | 112.2665% | 771 |
| Total domestic deposits to total assets | 78.0076% | 4,976 |
| Equity capital to assets | 11.2803% | 2,345 |
| Core capital (leverage) ratio | 11.3022% | 2,082 |
| Tier 1 risk-based capital ratio | 13.3850% | 3,841 |
| Total risk-based capital ratio | 14.8547% | 3,608 |
| Memoranda: | ||
| Average total assets | $514,868,000 | 1,334 |
| Average earning assets | $479,256,200 | 1,322 |
| Average equity | $57,540,600 | 1,334 |
| Average total loans | $408,209,600 | 1,184 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 1,985 |
| Cost of funding earning assets | 0.7492% | 638 |
| Net interest margin | 3.6055% | 3,053 |
| Noninterest income to average assets | 0.4959% | 3,277 |
| Noninterest expense to average assets | 3.1185% | 1,982 |
| Loan and lease loss provision to assets | -0.0618% | 5,737 |
| Net operating income to assets | 0.5488% | 4,502 |
| Return on assets (ROA) | 0.5872% | 4,455 |
| Pretax return on assets | 0.8478% | 4,162 |
| Return on Equity (ROE) | 5.2668% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.2668% | 2,650 |
| Net charge-offs to loans | -0.0264% | 5,107 |
| Credit loss provision to net charge-offs | 296.2500% | 1,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0234% | 1,295 |
| Assets per employee ($millions) | 4.6643% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,962 |
| Loan loss allowance to noncurrent loans | 253.3856% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,359 |
| Noncurrent loans to loans | 0.3445% | 4,021 |
| Net loans and leases to total assets | 77.2735% | 1,311 |
| Net loans and leases to deposits | 99.1392% | 763 |
| Net loans and leases to core deposits | 108.6702% | 1,007 |
| Total domestic deposits to total assets | 77.9444% | 4,922 |
| Equity capital to assets | 11.2251% | 2,771 |
| Core capital (leverage) ratio | 11.3618% | 2,144 |
| Tier 1 risk-based capital ratio | 13.4127% | 3,912 |
| Total risk-based capital ratio | 14.8311% | 3,724 |
| Memoranda: | ||
| Average total assets | $511,128,750 | 1,345 |
| Average earning assets | $475,332,750 | 1,335 |
| Average equity | $56,984,250 | 1,354 |
| Average total loans | $404,151,500 | 1,194 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 1,888 |
| Cost of funding earning assets | 0.7577% | 602 |
| Net interest margin | 3.6202% | 3,020 |
| Noninterest income to average assets | 0.5002% | 3,189 |
| Noninterest expense to average assets | 3.0806% | 2,114 |
| Loan and lease loss provision to assets | -0.0071% | 5,761 |
| Net operating income to assets | 0.5465% | 4,496 |
| Return on assets (ROA) | 0.6039% | 4,380 |
| Pretax return on assets | 0.8755% | 4,041 |
| Return on Equity (ROE) | 5.4295% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.4295% | 2,464 |
| Net charge-offs to loans | -0.0491% | 5,359 |
| Credit loss provision to net charge-offs | 18.1818% | 2,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6880% | 1,533 |
| Assets per employee ($millions) | 4.5322% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,868 |
| Loan loss allowance to noncurrent loans | 341.0072% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 4,617 |
| Noncurrent loans to loans | 0.2713% | 4,390 |
| Net loans and leases to total assets | 79.9942% | 902 |
| Net loans and leases to deposits | 103.4680% | 483 |
| Net loans and leases to core deposits | 112.4093% | 795 |
| Total domestic deposits to total assets | 77.3130% | 5,112 |
| Equity capital to assets | 11.3667% | 2,680 |
| Core capital (leverage) ratio | 11.4037% | 2,061 |
| Tier 1 risk-based capital ratio | 13.0821% | 4,157 |
| Total risk-based capital ratio | 14.4455% | 3,995 |
| Memoranda: | ||
| Average total assets | $507,372,000 | 1,361 |
| Average earning assets | $471,688,670 | 1,347 |
| Average equity | $56,432,330 | 1,373 |
| Average total loans | $403,125,000 | 1,203 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 1,767 |
| Cost of funding earning assets | 0.7672% | 585 |
| Net interest margin | 3.6462% | 2,904 |
| Noninterest income to average assets | 0.4928% | 3,173 |
| Noninterest expense to average assets | 3.1250% | 2,027 |
| Loan and lease loss provision to assets | -0.0268% | 5,921 |
| Net operating income to assets | 0.5465% | 4,439 |
| Return on assets (ROA) | 0.5922% | 4,326 |
| Pretax return on assets | 0.8524% | 4,025 |
| Return on Equity (ROE) | 5.3836% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.3836% | 2,726 |
| Net charge-offs to loans | -0.0140% | 4,681 |
| Credit loss provision to net charge-offs | 242.8571% | 961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4507% | 1,553 |
| Assets per employee ($millions) | 4.6886% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,957 |
| Loan loss allowance to noncurrent loans | 405.1592% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,846 |
| Noncurrent loans to loans | 0.2292% | 4,609 |
| Net loans and leases to total assets | 77.7802% | 1,128 |
| Net loans and leases to deposits | 100.3716% | 599 |
| Net loans and leases to core deposits | 108.5302% | 946 |
| Total domestic deposits to total assets | 77.4923% | 5,216 |
| Equity capital to assets | 11.1379% | 2,787 |
| Core capital (leverage) ratio | 11.2428% | 2,191 |
| Tier 1 risk-based capital ratio | 13.5305% | 3,962 |
| Total risk-based capital ratio | 14.8539% | 3,856 |
| Memoranda: | ||
| Average total assets | $507,256,000 | 1,361 |
| Average earning assets | $471,838,500 | 1,345 |
| Average equity | $55,799,500 | 1,381 |
| Average total loans | $399,764,500 | 1,204 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 1,657 |
| Cost of funding earning assets | 0.7882% | 530 |
| Net interest margin | 3.6928% | 2,773 |
| Noninterest income to average assets | 0.5334% | 3,118 |
| Noninterest expense to average assets | 3.1279% | 2,154 |
| Loan and lease loss provision to assets | 0.0555% | 3,198 |
| Net operating income to assets | 0.5451% | 4,521 |
| Return on assets (ROA) | 0.6234% | 4,258 |
| Pretax return on assets | 0.8836% | 3,911 |
| Return on Equity (ROE) | 5.5221% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,072 |
| Net charge-offs to loans | 0.0677% | 2,887 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.9248% | 2,251 |
| Efficiency ratio | 79.0523% | 1,810 |
| Assets per employee ($millions) | 4.5370% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 5,000 |
| Loan loss allowance to noncurrent loans | 379.8362% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 4,786 |
| Noncurrent loans to loans | 0.2430% | 4,561 |
| Net loans and leases to total assets | 78.3780% | 1,071 |
| Net loans and leases to deposits | 100.7702% | 626 |
| Net loans and leases to core deposits | 105.8451% | 1,104 |
| Total domestic deposits to total assets | 77.7789% | 5,207 |
| Equity capital to assets | 10.8631% | 2,976 |
| Core capital (leverage) ratio | 11.2466% | 2,160 |
| Tier 1 risk-based capital ratio | 13.0472% | 4,276 |
| Total risk-based capital ratio | 14.2554% | 4,222 |
| Memoranda: | ||
| Average total assets | $478,975,800 | 1,414 |
| Average earning assets | $444,031,400 | 1,398 |
| Average equity | $54,073,600 | 1,382 |
| Average total loans | $392,639,200 | 1,175 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 1,465 |
| Cost of funding earning assets | 0.7861% | 534 |
| Net interest margin | 3.7603% | 2,526 |
| Noninterest income to average assets | 0.5433% | 3,086 |
| Noninterest expense to average assets | 3.1486% | 2,089 |
| Loan and lease loss provision to assets | 0.0297% | 3,643 |
| Net operating income to assets | 0.5727% | 4,513 |
| Return on assets (ROA) | 0.6516% | 4,234 |
| Pretax return on assets | 0.9628% | 3,771 |
| Return on Equity (ROE) | 5.7132% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.7132% | 2,431 |
| Net charge-offs to loans | 0.0184% | 3,576 |
| Credit loss provision to net charge-offs | 194.4444% | 1,369 |
| Earnings coverage of net charge-offs (x) | 57.4244% | 941 |
| Efficiency ratio | 78.2233% | 1,918 |
| Assets per employee ($millions) | 4.4447% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,939 |
| Loan loss allowance to noncurrent loans | 307.6860% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 4,755 |
| Noncurrent loans to loans | 0.3119% | 4,480 |
| Net loans and leases to total assets | 77.3227% | 1,204 |
| Net loans and leases to deposits | 99.5917% | 690 |
| Net loans and leases to core deposits | 108.4645% | 957 |
| Total domestic deposits to total assets | 77.6397% | 5,243 |
| Equity capital to assets | 10.7456% | 3,306 |
| Core capital (leverage) ratio | 11.4454% | 2,082 |
| Tier 1 risk-based capital ratio | 13.2691% | 4,279 |
| Total risk-based capital ratio | 14.4722% | 4,232 |
| Memoranda: | ||
| Average total assets | $471,683,750 | 1,438 |
| Average earning assets | $436,763,000 | 1,423 |
| Average equity | $53,792,000 | 1,396 |
| Average total loans | $390,303,000 | 1,180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,304 |
| Cost of funding earning assets | 0.7905% | 529 |
| Net interest margin | 3.7997% | 2,309 |
| Noninterest income to average assets | 0.5552% | 3,008 |
| Noninterest expense to average assets | 3.2117% | 1,952 |
| Loan and lease loss provision to assets | 0.0451% | 3,211 |
| Net operating income to assets | 0.5646% | 4,502 |
| Return on assets (ROA) | 0.6392% | 4,290 |
| Pretax return on assets | 0.9192% | 3,887 |
| Return on Equity (ROE) | 5.4901% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.4901% | 2,541 |
| Net charge-offs to loans | 0.0062% | 3,685 |
| Credit loss provision to net charge-offs | 866.6667% | 402 |
| Earnings coverage of net charge-offs (x) | 164.9167% | 401 |
| Efficiency ratio | 78.9244% | 1,926 |
| Assets per employee ($millions) | 4.3030% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 5,035 |
| Loan loss allowance to noncurrent loans | 285.4464% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 4,702 |
| Noncurrent loans to loans | 0.3377% | 4,478 |
| Net loans and leases to total assets | 83.3417% | 432 |
| Net loans and leases to deposits | 107.5581% | 320 |
| Net loans and leases to core deposits | 116.8499% | 568 |
| Total domestic deposits to total assets | 77.4853% | 5,376 |
| Equity capital to assets | 11.5410% | 2,382 |
| Core capital (leverage) ratio | 11.7611% | 1,799 |
| Tier 1 risk-based capital ratio | 12.7334% | 4,660 |
| Total risk-based capital ratio | 14.0644% | 4,533 |
| Memoranda: | ||
| Average total assets | $461,494,670 | 1,468 |
| Average earning assets | $426,821,670 | 1,473 |
| Average equity | $53,732,670 | 1,404 |
| Average total loans | $389,698,330 | 1,184 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,243 |
| Cost of funding earning assets | 0.7883% | 538 |
| Net interest margin | 3.8046% | 2,217 |
| Noninterest income to average assets | 0.5750% | 2,802 |
| Noninterest expense to average assets | 3.0044% | 2,566 |
| Loan and lease loss provision to assets | 0.0839% | 2,295 |
| Net operating income to assets | 0.6962% | 3,822 |
| Return on assets (ROA) | 0.8512% | 3,117 |
| Pretax return on assets | 1.2287% | 2,554 |
| Return on Equity (ROE) | 7.2776% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.2776% | 1,870 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4145% | 2,920 |
| Assets per employee ($millions) | 4.3615% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 5,158 |
| Loan loss allowance to noncurrent loans | 355.8879% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,978 |
| Noncurrent loans to loans | 0.2733% | 4,800 |
| Net loans and leases to total assets | 83.8700% | 316 |
| Net loans and leases to deposits | 107.6354% | 268 |
| Net loans and leases to core deposits | 116.2193% | 516 |
| Total domestic deposits to total assets | 77.9204% | 5,467 |
| Equity capital to assets | 11.6779% | 2,315 |
| Core capital (leverage) ratio | 11.8685% | 1,725 |
| Tier 1 risk-based capital ratio | 12.7922% | 4,728 |
| Total risk-based capital ratio | 14.1650% | 4,569 |
| Memoranda: | ||
| Average total assets | $457,731,000 | 1,486 |
| Average earning assets | $423,176,500 | 1,493 |
| Average equity | $53,534,000 | 1,420 |
| Average total loans | $387,199,500 | 1,192 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 1,240 |
| Cost of funding earning assets | 0.8617% | 477 |
| Net interest margin | 3.8680% | 2,367 |
| Noninterest income to average assets | 0.4989% | 3,523 |
| Noninterest expense to average assets | 3.2524% | 2,068 |
| Loan and lease loss provision to assets | 0.0259% | 4,090 |
| Net operating income to assets | 0.5559% | 4,577 |
| Return on assets (ROA) | 0.6584% | 4,200 |
| Pretax return on assets | 0.9388% | 3,747 |
| Return on Equity (ROE) | 5.6551% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.6551% | 2,166 |
| Net charge-offs to loans | 0.1071% | 2,977 |
| Credit loss provision to net charge-offs | 29.1771% | 3,846 |
| Earnings coverage of net charge-offs (x) | 9.2344% | 2,775 |
| Efficiency ratio | 79.9001% | 1,945 |
| Assets per employee ($millions) | 4.2274% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 5,201 |
| Loan loss allowance to noncurrent loans | 328.4956% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,994 |
| Noncurrent loans to loans | 0.2952% | 4,793 |
| Net loans and leases to total assets | 83.8174% | 354 |
| Net loans and leases to deposits | 105.1658% | 391 |
| Net loans and leases to core deposits | 112.1759% | 688 |
| Total domestic deposits to total assets | 79.7003% | 5,092 |
| Equity capital to assets | 12.0830% | 1,955 |
| Core capital (leverage) ratio | 11.8705% | 1,719 |
| Tier 1 risk-based capital ratio | 13.8359% | 4,213 |
| Total risk-based capital ratio | 15.3803% | 3,935 |
| Memoranda: | ||
| Average total assets | $452,583,800 | 1,468 |
| Average earning assets | $417,915,200 | 1,469 |
| Average equity | $52,695,400 | 1,389 |
| Average total loans | $374,473,000 | 1,180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,223 |
| Cost of funding earning assets | 0.8748% | 480 |
| Net interest margin | 3.8603% | 2,389 |
| Noninterest income to average assets | 0.5161% | 3,438 |
| Noninterest expense to average assets | 3.2475% | 2,031 |
| Loan and lease loss provision to assets | 0.0392% | 3,625 |
| Net operating income to assets | 0.5356% | 4,738 |
| Return on assets (ROA) | 0.6766% | 4,160 |
| Pretax return on assets | 0.9994% | 3,593 |
| Return on Equity (ROE) | 5.8664% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.8664% | 2,492 |
| Net charge-offs to loans | 0.0927% | 2,887 |
| Credit loss provision to net charge-offs | 51.3514% | 3,081 |
| Earnings coverage of net charge-offs (x) | 10.8959% | 2,494 |
| Efficiency ratio | 79.6201% | 1,974 |
| Assets per employee ($millions) | 4.1708% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 5,126 |
| Loan loss allowance to noncurrent loans | 349.5935% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 5,226 |
| Noncurrent loans to loans | 0.2914% | 5,035 |
| Net loans and leases to total assets | 82.7106% | 439 |
| Net loans and leases to deposits | 105.7686% | 334 |
| Net loans and leases to core deposits | 112.5550% | 636 |
| Total domestic deposits to total assets | 78.1995% | 5,489 |
| Equity capital to assets | 11.7899% | 2,225 |
| Core capital (leverage) ratio | 11.7333% | 1,885 |
| Tier 1 risk-based capital ratio | 12.8006% | 4,976 |
| Total risk-based capital ratio | 14.1720% | 4,826 |
| Memoranda: | ||
| Average total assets | $452,647,000 | 1,477 |
| Average earning assets | $417,750,000 | 1,474 |
| Average equity | $52,205,500 | 1,405 |
| Average total loans | $372,380,250 | 1,194 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,368 |
| Cost of funding earning assets | 0.8954% | 440 |
| Net interest margin | 3.7668% | 2,685 |
| Noninterest income to average assets | 0.5058% | 3,441 |
| Noninterest expense to average assets | 3.2824% | 1,963 |
| Loan and lease loss provision to assets | 0.0465% | 3,379 |
| Net operating income to assets | 0.4379% | 5,065 |
| Return on assets (ROA) | 0.5832% | 4,533 |
| Pretax return on assets | 0.8690% | 4,002 |
| Return on Equity (ROE) | 5.0946% | 4,632 |
| Retained earnings to average equity (ytd only) | 5.0946% | 2,900 |
| Net charge-offs to loans | 0.1838% | 1,922 |
| Credit loss provision to net charge-offs | 30.8824% | 3,049 |
| Earnings coverage of net charge-offs (x) | 4.6441% | 3,070 |
| Efficiency ratio | 82.4497% | 1,695 |
| Assets per employee ($millions) | 4.0317% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 5,343 |
| Loan loss allowance to noncurrent loans | 331.6578% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 5,341 |
| Noncurrent loans to loans | 0.3020% | 5,108 |
| Net loans and leases to total assets | 82.3320% | 440 |
| Net loans and leases to deposits | 105.6906% | 314 |
| Net loans and leases to core deposits | 113.0436% | 569 |
| Total domestic deposits to total assets | 77.8991% | 5,653 |
| Equity capital to assets | 11.7387% | 2,217 |
| Core capital (leverage) ratio | 11.4769% | 2,021 |
| Tier 1 risk-based capital ratio | 12.6324% | 5,136 |
| Total risk-based capital ratio | 14.0604% | 4,971 |
| Memoranda: | ||
| Average total assets | $451,989,670 | 1,479 |
| Average earning assets | $417,014,670 | 1,475 |
| Average equity | $51,741,000 | 1,404 |
| Average total loans | $369,877,670 | 1,194 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 1,158 |
| Cost of funding earning assets | 0.9154% | 417 |
| Net interest margin | 3.8276% | 2,357 |
| Noninterest income to average assets | 0.5254% | 3,227 |
| Noninterest expense to average assets | 3.3577% | 1,809 |
| Loan and lease loss provision to assets | 0.0778% | 2,588 |
| Net operating income to assets | 0.4192% | 5,046 |
| Return on assets (ROA) | 0.4830% | 4,846 |
| Pretax return on assets | 0.7121% | 4,451 |
| Return on Equity (ROE) | 4.2733% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.2733% | 3,561 |
| Net charge-offs to loans | 0.4087% | 886 |
| Credit loss provision to net charge-offs | 23.4667% | 2,469 |
| Earnings coverage of net charge-offs (x) | 2.0987% | 2,952 |
| Efficiency ratio | 82.8278% | 1,821 |
| Assets per employee ($millions) | 3.9344% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 5,419 |
| Loan loss allowance to noncurrent loans | 318.7285% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 5,402 |
| Noncurrent loans to loans | 0.3219% | 5,144 |
| Net loans and leases to total assets | 79.7879% | 573 |
| Net loans and leases to deposits | 103.2781% | 318 |
| Net loans and leases to core deposits | 110.6669% | 563 |
| Total domestic deposits to total assets | 77.2554% | 5,934 |
| Equity capital to assets | 11.5178% | 2,230 |
| Core capital (leverage) ratio | 11.2504% | 2,172 |
| Tier 1 risk-based capital ratio | 12.7972% | 5,123 |
| Total risk-based capital ratio | 14.2038% | 4,968 |
| Memoranda: | ||
| Average total assets | $452,209,000 | 1,480 |
| Average earning assets | $416,864,000 | 1,482 |
| Average equity | $51,108,500 | 1,417 |
| Average total loans | $367,050,500 | 1,207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 1,446 |
| Cost of funding earning assets | 0.9818% | 493 |
| Net interest margin | 3.7668% | 2,776 |
| Noninterest income to average assets | 0.6207% | 2,971 |
| Noninterest expense to average assets | 3.2681% | 2,226 |
| Loan and lease loss provision to assets | 0.2247% | 1,622 |
| Net operating income to assets | 0.4308% | 5,035 |
| Return on assets (ROA) | 0.6130% | 4,321 |
| Pretax return on assets | 0.8286% | 4,038 |
| Return on Equity (ROE) | 5.6542% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.6542% | 2,184 |
| Net charge-offs to loans | 0.4187% | 1,597 |
| Credit loss provision to net charge-offs | 65.8261% | 3,408 |
| Earnings coverage of net charge-offs (x) | 2.3643% | 4,221 |
| Efficiency ratio | 80.1946% | 2,123 |
| Assets per employee ($millions) | 4.0705% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,266 |
| Loan loss allowance to noncurrent loans | 267.6490% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 5,280 |
| Noncurrent loans to loans | 0.4008% | 5,006 |
| Net loans and leases to total assets | 80.8361% | 509 |
| Net loans and leases to deposits | 104.5043% | 306 |
| Net loans and leases to core deposits | 112.4230% | 517 |
| Total domestic deposits to total assets | 77.3520% | 5,924 |
| Equity capital to assets | 11.0896% | 2,532 |
| Core capital (leverage) ratio | 11.1339% | 2,252 |
| Tier 1 risk-based capital ratio | 12.4348% | 5,327 |
| Total risk-based capital ratio | 13.8733% | 5,163 |
| Memoranda: | ||
| Average total assets | $441,443,600 | 1,499 |
| Average earning assets | $404,856,800 | 1,500 |
| Average equity | $47,858,200 | 1,469 |
| Average total loans | $359,906,600 | 1,189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 1,464 |
| Cost of funding earning assets | 0.9933% | 509 |
| Net interest margin | 3.7623% | 2,795 |
| Noninterest income to average assets | 0.6544% | 2,860 |
| Noninterest expense to average assets | 3.3851% | 1,863 |
| Loan and lease loss provision to assets | 0.1721% | 2,113 |
| Net operating income to assets | 0.3651% | 5,388 |
| Return on assets (ROA) | 0.5442% | 4,748 |
| Pretax return on assets | 0.8061% | 4,269 |
| Return on Equity (ROE) | 5.0497% | 4,699 |
| Retained earnings to average equity (ytd only) | 5.0497% | 3,044 |
| Net charge-offs to loans | 0.4900% | 1,312 |
| Credit loss provision to net charge-offs | 43.0969% | 3,649 |
| Earnings coverage of net charge-offs (x) | 1.7902% | 4,239 |
| Efficiency ratio | 82.5670% | 1,747 |
| Assets per employee ($millions) | 3.9660% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 5,636 |
| Loan loss allowance to noncurrent loans | 193.2752% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 5,128 |
| Noncurrent loans to loans | 0.5274% | 4,876 |
| Net loans and leases to total assets | 81.5828% | 397 |
| Net loans and leases to deposits | 107.4821% | 204 |
| Net loans and leases to core deposits | 116.0571% | 391 |
| Total domestic deposits to total assets | 75.9036% | 6,181 |
| Equity capital to assets | 10.6100% | 3,151 |
| Core capital (leverage) ratio | 11.2357% | 2,265 |
| Tier 1 risk-based capital ratio | 12.3267% | 5,555 |
| Total risk-based capital ratio | 13.6246% | 5,469 |
| Memoranda: | ||
| Average total assets | $437,831,000 | 1,524 |
| Average earning assets | $400,955,750 | 1,518 |
| Average equity | $47,183,500 | 1,497 |
| Average total loans | $356,752,500 | 1,202 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,510 |
| Cost of funding earning assets | 1.0062% | 530 |
| Net interest margin | 3.7160% | 2,894 |
| Noninterest income to average assets | 0.6791% | 2,741 |
| Noninterest expense to average assets | 3.3965% | 1,829 |
| Loan and lease loss provision to assets | 0.1971% | 1,929 |
| Net operating income to assets | 0.3279% | 5,495 |
| Return on assets (ROA) | 0.5746% | 4,597 |
| Pretax return on assets | 0.8490% | 4,119 |
| Return on Equity (ROE) | 5.3037% | 4,561 |
| Retained earnings to average equity (ytd only) | 5.3037% | 2,862 |
| Net charge-offs to loans | 0.6411% | 1,026 |
| Credit loss provision to net charge-offs | 37.8761% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.3133% | 4,105 |
| Efficiency ratio | 83.2525% | 1,725 |
| Assets per employee ($millions) | 3.7493% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 5,563 |
| Loan loss allowance to noncurrent loans | 137.0144% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 4,634 |
| Noncurrent loans to loans | 0.7779% | 4,358 |
| Net loans and leases to total assets | 81.2943% | 406 |
| Net loans and leases to deposits | 108.0148% | 182 |
| Net loans and leases to core deposits | 116.6427% | 378 |
| Total domestic deposits to total assets | 75.2621% | 6,331 |
| Equity capital to assets | 10.8326% | 2,915 |
| Core capital (leverage) ratio | 11.3807% | 2,034 |
| Tier 1 risk-based capital ratio | 12.4779% | 5,524 |
| Total risk-based capital ratio | 13.7879% | 5,413 |
| Memoranda: | ||
| Average total assets | $434,387,000 | 1,533 |
| Average earning assets | $397,522,330 | 1,532 |
| Average equity | $47,061,330 | 1,509 |
| Average total loans | $352,540,330 | 1,205 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 1,554 |
| Cost of funding earning assets | 1.0430% | 487 |
| Net interest margin | 3.6495% | 3,074 |
| Noninterest income to average assets | 0.8680% | 1,875 |
| Noninterest expense to average assets | 3.5575% | 1,503 |
| Loan and lease loss provision to assets | 0.1401% | 2,492 |
| Net operating income to assets | 0.3401% | 5,401 |
| Return on assets (ROA) | 0.5611% | 4,562 |
| Pretax return on assets | 0.8403% | 3,998 |
| Return on Equity (ROE) | 5.1791% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.1791% | 3,126 |
| Net charge-offs to loans | 0.0446% | 3,403 |
| Credit loss provision to net charge-offs | 389.7436% | 651 |
| Earnings coverage of net charge-offs (x) | 18.1026% | 1,280 |
| Efficiency ratio | 84.5413% | 1,699 |
| Assets per employee ($millions) | 3.7186% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,566 |
| Loan loss allowance to noncurrent loans | 113.2223% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 4,019 |
| Noncurrent loans to loans | 1.1730% | 3,815 |
| Net loans and leases to total assets | 80.3332% | 400 |
| Net loans and leases to deposits | 106.6753% | 188 |
| Net loans and leases to core deposits | 116.1132% | 352 |
| Total domestic deposits to total assets | 75.3063% | 6,427 |
| Equity capital to assets | 11.1187% | 2,828 |
| Core capital (leverage) ratio | 11.1227% | 2,159 |
| Tier 1 risk-based capital ratio | 12.5523% | 5,553 |
| Total risk-based capital ratio | 14.1333% | 5,254 |
| Memoranda: | ||
| Average total assets | $434,120,500 | 1,548 |
| Average earning assets | $397,311,500 | 1,540 |
| Average equity | $47,035,500 | 1,532 |
| Average total loans | $350,123,500 | 1,210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 1,637 |
| Cost of funding earning assets | 1.1833% | 627 |
| Net interest margin | 3.7881% | 3,279 |
| Noninterest income to average assets | 1.0096% | 1,509 |
| Noninterest expense to average assets | 3.2882% | 2,378 |
| Loan and lease loss provision to assets | 0.3192% | 2,138 |
| Net operating income to assets | 0.6365% | 4,056 |
| Return on assets (ROA) | 0.7214% | 3,888 |
| Pretax return on assets | 0.9899% | 3,581 |
| Return on Equity (ROE) | 7.1075% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.1075% | 1,520 |
| Net charge-offs to loans | 0.1759% | 3,970 |
| Credit loss provision to net charge-offs | 226.9919% | 1,094 |
| Earnings coverage of net charge-offs (x) | 8.4813% | 2,406 |
| Efficiency ratio | 73.3823% | 3,172 |
| Assets per employee ($millions) | 3.8313% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,733 |
| Loan loss allowance to noncurrent loans | 127.1421% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 4,457 |
| Noncurrent loans to loans | 1.0077% | 4,179 |
| Net loans and leases to total assets | 78.8866% | 578 |
| Net loans and leases to deposits | 104.9178% | 243 |
| Net loans and leases to core deposits | 110.1754% | 538 |
| Total domestic deposits to total assets | 75.1889% | 6,431 |
| Equity capital to assets | 10.5590% | 3,453 |
| Core capital (leverage) ratio | 10.7865% | 2,457 |
| Tier 1 risk-based capital ratio | 12.5608% | 5,431 |
| Total risk-based capital ratio | 14.0553% | 5,185 |
| Memoranda: | ||
| Average total assets | $437,321,800 | 1,512 |
| Average earning assets | $400,756,600 | 1,502 |
| Average equity | $44,389,600 | 1,569 |
| Average total loans | $349,624,800 | 1,199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 1,692 |
| Cost of funding earning assets | 1.2044% | 677 |
| Net interest margin | 3.7973% | 3,345 |
| Noninterest income to average assets | 1.1143% | 1,212 |
| Noninterest expense to average assets | 3.2515% | 2,419 |
| Loan and lease loss provision to assets | 0.2935% | 2,237 |
| Net operating income to assets | 0.7111% | 3,868 |
| Return on assets (ROA) | 0.8116% | 3,632 |
| Pretax return on assets | 1.1974% | 2,998 |
| Return on Equity (ROE) | 8.0777% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.0777% | 1,590 |
| Net charge-offs to loans | -0.0420% | 6,662 |
| Credit loss provision to net charge-offs | -873.6364% | 6,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7685% | 3,541 |
| Assets per employee ($millions) | 3.8561% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,447 |
| Loan loss allowance to noncurrent loans | 149.8907% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 4,883 |
| Noncurrent loans to loans | 0.9227% | 4,588 |
| Net loans and leases to total assets | 77.2018% | 829 |
| Net loans and leases to deposits | 103.5958% | 295 |
| Net loans and leases to core deposits | 111.6838% | 511 |
| Total domestic deposits to total assets | 74.5222% | 6,557 |
| Equity capital to assets | 10.1816% | 4,232 |
| Core capital (leverage) ratio | 10.7901% | 2,617 |
| Tier 1 risk-based capital ratio | 12.5714% | 5,587 |
| Total risk-based capital ratio | 14.0994% | 5,336 |
| Memoranda: | ||
| Average total assets | $436,501,750 | 1,523 |
| Average earning assets | $400,068,000 | 1,524 |
| Average equity | $43,856,250 | 1,606 |
| Average total loans | $349,009,250 | 1,205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 1,679 |
| Cost of funding earning assets | 1.2318% | 707 |
| Net interest margin | 3.8117% | 3,308 |
| Noninterest income to average assets | 1.0903% | 1,205 |
| Noninterest expense to average assets | 3.1383% | 2,784 |
| Loan and lease loss provision to assets | 0.3667% | 1,790 |
| Net operating income to assets | 0.7155% | 3,782 |
| Return on assets (ROA) | 0.8365% | 3,476 |
| Pretax return on assets | 1.2594% | 2,694 |
| Return on Equity (ROE) | 8.3638% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.3638% | 1,492 |
| Net charge-offs to loans | -0.1384% | 6,927 |
| Credit loss provision to net charge-offs | -328.9256% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5068% | 4,039 |
| Assets per employee ($millions) | 3.8218% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,672 |
| Loan loss allowance to noncurrent loans | 116.5445% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 4,493 |
| Noncurrent loans to loans | 1.1571% | 4,225 |
| Net loans and leases to total assets | 80.0744% | 501 |
| Net loans and leases to deposits | 106.1395% | 231 |
| Net loans and leases to core deposits | 114.5984% | 429 |
| Total domestic deposits to total assets | 75.4426% | 6,535 |
| Equity capital to assets | 10.2604% | 3,981 |
| Core capital (leverage) ratio | 10.4254% | 2,891 |
| Tier 1 risk-based capital ratio | 12.0395% | 5,901 |
| Total risk-based capital ratio | 13.5226% | 5,718 |
| Memoranda: | ||
| Average total assets | $434,186,330 | 1,528 |
| Average earning assets | $397,619,000 | 1,533 |
| Average equity | $43,425,000 | 1,608 |
| Average total loans | $349,628,670 | 1,202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 1,682 |
| Cost of funding earning assets | 1.2720% | 710 |
| Net interest margin | 3.7908% | 3,433 |
| Noninterest income to average assets | 0.9662% | 1,519 |
| Noninterest expense to average assets | 3.0953% | 2,930 |
| Loan and lease loss provision to assets | 0.4928% | 1,237 |
| Net operating income to assets | 0.5641% | 4,524 |
| Return on assets (ROA) | 0.7632% | 3,792 |
| Pretax return on assets | 1.1434% | 3,146 |
| Return on Equity (ROE) | 7.7315% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.7315% | 2,078 |
| Net charge-offs to loans | -0.2992% | 7,066 |
| Credit loss provision to net charge-offs | -205.3846% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8023% | 3,850 |
| Assets per employee ($millions) | 3.9795% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,187 |
| Loan loss allowance to noncurrent loans | 148.2634% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 5,118 |
| Noncurrent loans to loans | 0.8525% | 4,969 |
| Net loans and leases to total assets | 81.4878% | 305 |
| Net loans and leases to deposits | 108.4032% | 160 |
| Net loans and leases to core deposits | 117.6290% | 350 |
| Total domestic deposits to total assets | 75.1711% | 6,626 |
| Equity capital to assets | 9.9848% | 4,138 |
| Core capital (leverage) ratio | 10.5219% | 2,726 |
| Tier 1 risk-based capital ratio | 12.1715% | 5,850 |
| Total risk-based capital ratio | 13.6416% | 5,648 |
| Memoranda: | ||
| Average total assets | $433,437,000 | 1,539 |
| Average earning assets | $396,538,000 | 1,531 |
| Average equity | $42,786,000 | 1,621 |
| Average total loans | $347,622,500 | 1,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 3,027 |
| Cost of funding earning assets | 1.3582% | 1,205 |
| Net interest margin | 3.6112% | 4,685 |
| Noninterest income to average assets | 0.6747% | 2,756 |
| Noninterest expense to average assets | 3.1834% | 2,923 |
| Loan and lease loss provision to assets | 0.1234% | 5,064 |
| Net operating income to assets | 0.4697% | 4,543 |
| Return on assets (ROA) | 0.6514% | 3,930 |
| Pretax return on assets | 0.9343% | 3,493 |
| Return on Equity (ROE) | 6.6217% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.6217% | 1,681 |
| Net charge-offs to loans | 0.3224% | 3,779 |
| Credit loss provision to net charge-offs | 49.5783% | 5,429 |
| Earnings coverage of net charge-offs (x) | 3.2071% | 3,617 |
| Efficiency ratio | 79.9555% | 2,309 |
| Assets per employee ($millions) | 3.9019% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,793 |
| Loan loss allowance to noncurrent loans | 113.2706% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 5,096 |
| Noncurrent loans to loans | 0.9764% | 4,755 |
| Net loans and leases to total assets | 77.0070% | 822 |
| Net loans and leases to deposits | 104.2286% | 306 |
| Net loans and leases to core deposits | 113.0116% | 539 |
| Total domestic deposits to total assets | 73.8828% | 6,729 |
| Equity capital to assets | 9.7577% | 4,501 |
| Core capital (leverage) ratio | 10.1414% | 3,181 |
| Tier 1 risk-based capital ratio | 12.7727% | 5,261 |
| Total risk-based capital ratio | 14.2143% | 5,077 |
| Memoranda: | ||
| Average total assets | $428,782,200 | 1,521 |
| Average earning assets | $392,639,200 | 1,522 |
| Average equity | $42,179,800 | 1,594 |
| Average total loans | $330,929,400 | 1,285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 3,361 |
| Cost of funding earning assets | 1.3693% | 1,376 |
| Net interest margin | 3.5752% | 4,867 |
| Noninterest income to average assets | 0.7488% | 2,321 |
| Noninterest expense to average assets | 3.1607% | 2,960 |
| Loan and lease loss provision to assets | 0.1197% | 4,940 |
| Net operating income to assets | 0.5050% | 4,529 |
| Return on assets (ROA) | 0.7360% | 3,620 |
| Pretax return on assets | 1.0827% | 3,081 |
| Return on Equity (ROE) | 7.4667% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.4667% | 1,725 |
| Net charge-offs to loans | 0.1328% | 4,724 |
| Credit loss provision to net charge-offs | 117.0732% | 2,787 |
| Earnings coverage of net charge-offs (x) | 8.4360% | 2,178 |
| Efficiency ratio | 78.5604% | 2,467 |
| Assets per employee ($millions) | 3.9527% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 5,136 |
| Loan loss allowance to noncurrent loans | 70.6305% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 3,987 |
| Noncurrent loans to loans | 1.8023% | 3,637 |
| Net loans and leases to total assets | 77.1285% | 823 |
| Net loans and leases to deposits | 103.7580% | 325 |
| Net loans and leases to core deposits | 111.9563% | 610 |
| Total domestic deposits to total assets | 74.3350% | 6,720 |
| Equity capital to assets | 9.7562% | 4,695 |
| Core capital (leverage) ratio | 10.1604% | 3,230 |
| Tier 1 risk-based capital ratio | 12.7343% | 5,306 |
| Total risk-based capital ratio | 14.0355% | 5,247 |
| Memoranda: | ||
| Average total assets | $427,701,250 | 1,534 |
| Average earning assets | $391,725,500 | 1,525 |
| Average equity | $42,159,500 | 1,599 |
| Average total loans | $329,348,750 | 1,293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 3,370 |
| Cost of funding earning assets | 1.3813% | 1,494 |
| Net interest margin | 3.5761% | 4,804 |
| Noninterest income to average assets | 0.7439% | 2,290 |
| Noninterest expense to average assets | 3.1011% | 3,251 |
| Loan and lease loss provision to assets | 0.1745% | 4,179 |
| Net operating income to assets | 0.5026% | 4,490 |
| Return on assets (ROA) | 0.8483% | 2,961 |
| Pretax return on assets | 1.2527% | 2,295 |
| Return on Equity (ROE) | 8.5756% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.5756% | 1,241 |
| Net charge-offs to loans | 0.2148% | 3,846 |
| Credit loss provision to net charge-offs | 106.0000% | 2,908 |
| Earnings coverage of net charge-offs (x) | 5.5829% | 2,579 |
| Efficiency ratio | 77.1435% | 2,835 |
| Assets per employee ($millions) | 3.9431% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 5,125 |
| Loan loss allowance to noncurrent loans | 66.3008% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 3,923 |
| Noncurrent loans to loans | 1.9392% | 3,554 |
| Net loans and leases to total assets | 77.3264% | 867 |
| Net loans and leases to deposits | 104.7149% | 296 |
| Net loans and leases to core deposits | 113.3978% | 599 |
| Total domestic deposits to total assets | 73.8447% | 6,857 |
| Equity capital to assets | 10.0897% | 4,032 |
| Core capital (leverage) ratio | 10.1754% | 3,060 |
| Tier 1 risk-based capital ratio | 12.8401% | 5,053 |
| Total risk-based capital ratio | 14.3359% | 4,831 |
| Memoranda: | ||
| Average total assets | $425,335,330 | 1,554 |
| Average earning assets | $389,646,330 | 1,546 |
| Average equity | $42,072,670 | 1,592 |
| Average total loans | $325,905,670 | 1,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 3,524 |
| Cost of funding earning assets | 1.3941% | 1,635 |
| Net interest margin | 3.5195% | 4,919 |
| Noninterest income to average assets | 0.6822% | 2,667 |
| Noninterest expense to average assets | 3.3425% | 2,436 |
| Loan and lease loss provision to assets | -0.0263% | 7,457 |
| Net operating income to assets | 0.3820% | 5,020 |
| Return on assets (ROA) | 0.6248% | 3,960 |
| Pretax return on assets | 0.9636% | 3,270 |
| Return on Equity (ROE) | 6.3807% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.3807% | 2,430 |
| Net charge-offs to loans | 0.3800% | 2,549 |
| Credit loss provision to net charge-offs | -9.1503% | 5,585 |
| Earnings coverage of net charge-offs (x) | 1.9575% | 3,332 |
| Efficiency ratio | 85.5697% | 1,765 |
| Assets per employee ($millions) | 3.8766% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 5,490 |
| Loan loss allowance to noncurrent loans | 57.3219% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.6242% | 3,813 |
| Noncurrent loans to loans | 2.1424% | 3,388 |
| Net loans and leases to total assets | 74.8802% | 1,206 |
| Net loans and leases to deposits | 101.7887% | 387 |
| Net loans and leases to core deposits | 109.7919% | 737 |
| Total domestic deposits to total assets | 73.5644% | 6,944 |
| Equity capital to assets | 9.9623% | 3,823 |
| Core capital (leverage) ratio | 9.8886% | 3,288 |
| Tier 1 risk-based capital ratio | 12.9786% | 4,842 |
| Total risk-based capital ratio | 14.5892% | 4,531 |
| Memoranda: | ||
| Average total assets | $425,077,000 | 1,560 |
| Average earning assets | $389,368,000 | 1,557 |
| Average equity | $41,625,500 | 1,604 |
| Average total loans | $322,066,000 | 1,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 3,173 |
| Cost of funding earning assets | 1.5654% | 2,271 |
| Net interest margin | 3.7249% | 4,250 |
| Noninterest income to average assets | 0.8266% | 2,160 |
| Noninterest expense to average assets | 2.9670% | 3,974 |
| Loan and lease loss provision to assets | 0.6433% | 2,562 |
| Net operating income to assets | 0.4560% | 4,285 |
| Return on assets (ROA) | 0.5780% | 3,927 |
| Pretax return on assets | 0.7961% | 3,652 |
| Return on Equity (ROE) | 6.2562% | 3,474 |
| Retained earnings to average equity (ytd only) | 6.2562% | 1,689 |
| Net charge-offs to loans | 0.7715% | 2,709 |
| Credit loss provision to net charge-offs | 105.0899% | 4,268 |
| Earnings coverage of net charge-offs (x) | 2.0785% | 4,166 |
| Efficiency ratio | 69.9862% | 4,186 |
| Assets per employee ($millions) | 3.9230% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,905 |
| Loan loss allowance to noncurrent loans | 67.0173% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.4897% | 4,079 |
| Noncurrent loans to loans | 1.9673% | 3,609 |
| Net loans and leases to total assets | 74.7240% | 1,538 |
| Net loans and leases to deposits | 103.0168% | 444 |
| Net loans and leases to core deposits | 109.2756% | 965 |
| Total domestic deposits to total assets | 72.5357% | 7,036 |
| Equity capital to assets | 9.6246% | 4,246 |
| Core capital (leverage) ratio | 9.6638% | 3,470 |
| Tier 1 risk-based capital ratio | 12.8569% | 4,722 |
| Total risk-based capital ratio | 14.3600% | 4,477 |
| Memoranda: | ||
| Average total assets | $426,831,200 | 1,564 |
| Average earning assets | $391,072,000 | 1,542 |
| Average equity | $39,432,800 | 1,677 |
| Average total loans | $338,684,800 | 1,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 3,229 |
| Cost of funding earning assets | 1.5951% | 2,418 |
| Net interest margin | 3.7301% | 4,266 |
| Noninterest income to average assets | 0.7394% | 2,587 |
| Noninterest expense to average assets | 2.8876% | 4,138 |
| Loan and lease loss provision to assets | 0.8438% | 1,800 |
| Net operating income to assets | 0.2752% | 5,255 |
| Return on assets (ROA) | 0.4056% | 4,900 |
| Pretax return on assets | 0.6291% | 4,487 |
| Return on Equity (ROE) | 4.4372% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,380 |
| Net charge-offs to loans | 1.0225% | 1,973 |
| Credit loss provision to net charge-offs | 102.8180% | 4,180 |
| Earnings coverage of net charge-offs (x) | 1.5465% | 4,566 |
| Efficiency ratio | 69.4685% | 4,181 |
| Assets per employee ($millions) | 4.1232% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 5,116 |
| Loan loss allowance to noncurrent loans | 85.2024% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 4,813 |
| Noncurrent loans to loans | 1.4897% | 4,403 |
| Net loans and leases to total assets | 76.3501% | 1,342 |
| Net loans and leases to deposits | 103.7336% | 443 |
| Net loans and leases to core deposits | 109.9672% | 1,034 |
| Total domestic deposits to total assets | 73.6020% | 6,972 |
| Equity capital to assets | 9.2953% | 5,149 |
| Core capital (leverage) ratio | 9.4085% | 4,042 |
| Tier 1 risk-based capital ratio | 12.5965% | 4,892 |
| Total risk-based capital ratio | 14.0014% | 4,753 |
| Memoranda: | ||
| Average total assets | $426,638,250 | 1,583 |
| Average earning assets | $390,860,000 | 1,567 |
| Average equity | $39,002,250 | 1,711 |
| Average total loans | $342,408,250 | 1,321 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 3,136 |
| Cost of funding earning assets | 1.6256% | 2,509 |
| Net interest margin | 3.7385% | 4,192 |
| Noninterest income to average assets | 0.6706% | 2,887 |
| Noninterest expense to average assets | 2.7884% | 4,540 |
| Loan and lease loss provision to assets | 1.0617% | 1,361 |
| Net operating income to assets | 0.1495% | 5,723 |
| Return on assets (ROA) | 0.3419% | 5,178 |
| Pretax return on assets | 0.5400% | 4,779 |
| Return on Equity (ROE) | 3.7607% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.7607% | 3,701 |
| Net charge-offs to loans | 0.5722% | 2,822 |
| Credit loss provision to net charge-offs | 228.3838% | 1,694 |
| Earnings coverage of net charge-offs (x) | 2.7990% | 3,589 |
| Efficiency ratio | 68.1823% | 4,542 |
| Assets per employee ($millions) | 3.9518% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,556 |
| Loan loss allowance to noncurrent loans | 72.7921% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.7404% | 3,832 |
| Noncurrent loans to loans | 2.1650% | 3,513 |
| Net loans and leases to total assets | 79.1225% | 934 |
| Net loans and leases to deposits | 107.1839% | 341 |
| Net loans and leases to core deposits | 111.2683% | 1,082 |
| Total domestic deposits to total assets | 73.8194% | 6,995 |
| Equity capital to assets | 9.0089% | 5,436 |
| Core capital (leverage) ratio | 9.3486% | 4,044 |
| Tier 1 risk-based capital ratio | 12.0310% | 5,280 |
| Total risk-based capital ratio | 13.2866% | 5,241 |
| Memoranda: | ||
| Average total assets | $425,912,000 | 1,601 |
| Average earning assets | $389,513,330 | 1,587 |
| Average equity | $38,716,330 | 1,717 |
| Average total loans | $346,007,330 | 1,327 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3963% | 3,052 |
| Cost of funding earning assets | 1.7098% | 2,339 |
| Net interest margin | 3.6865% | 4,320 |
| Noninterest income to average assets | 0.6957% | 2,627 |
| Noninterest expense to average assets | 2.6643% | 5,087 |
| Loan and lease loss provision to assets | 1.4346% | 825 |
| Net operating income to assets | -0.0546% | 6,376 |
| Return on assets (ROA) | 0.0573% | 6,250 |
| Pretax return on assets | 0.1467% | 6,026 |
| Return on Equity (ROE) | 0.6281% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.6281% | 5,571 |
| Net charge-offs to loans | 0.6159% | 2,274 |
| Credit loss provision to net charge-offs | 285.2336% | 1,382 |
| Earnings coverage of net charge-offs (x) | 2.7963% | 3,147 |
| Efficiency ratio | 65.4273% | 5,236 |
| Assets per employee ($millions) | 3.9434% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,838 |
| Loan loss allowance to noncurrent loans | 53.7087% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.3187% | 3,128 |
| Noncurrent loans to loans | 2.8186% | 2,844 |
| Net loans and leases to total assets | 80.9182% | 725 |
| Net loans and leases to deposits | 110.8404% | 270 |
| Net loans and leases to core deposits | 115.5423% | 969 |
| Total domestic deposits to total assets | 73.0043% | 7,158 |
| Equity capital to assets | 9.3310% | 4,785 |
| Core capital (leverage) ratio | 9.2551% | 4,129 |
| Tier 1 risk-based capital ratio | 11.9610% | 5,237 |
| Total risk-based capital ratio | 13.4193% | 4,989 |
| Memoranda: | ||
| Average total assets | $425,473,500 | 1,639 |
| Average earning assets | $389,528,500 | 1,630 |
| Average equity | $38,850,000 | 1,726 |
| Average total loans | $347,464,500 | 1,364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7760% | 2,760 |
| Cost of funding earning assets | 2.2405% | 1,866 |
| Net interest margin | 3.5356% | 4,797 |
| Noninterest income to average assets | 0.5151% | 4,288 |
| Noninterest expense to average assets | 2.8120% | 4,925 |
| Loan and lease loss provision to assets | 0.3210% | 4,891 |
| Net operating income to assets | 0.4597% | 3,890 |
| Return on assets (ROA) | 0.5462% | 3,634 |
| Pretax return on assets | 0.7789% | 3,308 |
| Return on Equity (ROE) | 6.7169% | 2,904 |
| Retained earnings to average equity (ytd only) | 6.7169% | 1,061 |
| Net charge-offs to loans | 0.1762% | 5,540 |
| Credit loss provision to net charge-offs | 219.5618% | 1,717 |
| Earnings coverage of net charge-offs (x) | 6.6776% | 2,318 |
| Efficiency ratio | 73.1578% | 4,063 |
| Assets per employee ($millions) | 4.0088% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 5,490 |
| Loan loss allowance to noncurrent loans | 778.9077% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 7,171 |
| Noncurrent loans to loans | 0.1511% | 7,051 |
| Net loans and leases to total assets | 80.2306% | 952 |
| Net loans and leases to deposits | 112.9917% | 289 |
| Net loans and leases to core deposits | 129.3919% | 1,315 |
| Total domestic deposits to total assets | 71.0057% | 7,344 |
| Equity capital to assets | 8.9380% | 5,235 |
| Core capital (leverage) ratio | 9.0291% | 4,373 |
| Tier 1 risk-based capital ratio | 11.7207% | 5,177 |
| Total risk-based capital ratio | 13.1352% | 5,010 |
| Memoranda: | ||
| Average total assets | $437,024,600 | 1,586 |
| Average earning assets | $404,602,000 | 1,565 |
| Average equity | $35,537,400 | 1,896 |
| Average total loans | $362,722,400 | 1,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8299% | 2,748 |
| Cost of funding earning assets | 2.3683% | 1,750 |
| Net interest margin | 3.4616% | 5,020 |
| Noninterest income to average assets | 0.4940% | 4,535 |
| Noninterest expense to average assets | 2.7887% | 4,937 |
| Loan and lease loss provision to assets | 0.1817% | 5,548 |
| Net operating income to assets | 0.5029% | 3,971 |
| Return on assets (ROA) | 0.4791% | 4,173 |
| Pretax return on assets | 0.7007% | 3,856 |
| Return on Equity (ROE) | 6.0396% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.0396% | 1,928 |
| Net charge-offs to loans | 0.1131% | 5,551 |
| Credit loss provision to net charge-offs | 192.5806% | 2,348 |
| Earnings coverage of net charge-offs (x) | 9.7227% | 2,069 |
| Efficiency ratio | 74.0802% | 3,850 |
| Assets per employee ($millions) | 4.0170% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,262 |
| Loan loss allowance to noncurrent loans | 791.3140% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 7,290 |
| Noncurrent loans to loans | 0.1269% | 7,163 |
| Net loans and leases to total assets | 80.0026% | 1,166 |
| Net loans and leases to deposits | 112.5098% | 372 |
| Net loans and leases to core deposits | 128.3605% | 1,551 |
| Total domestic deposits to total assets | 71.1072% | 7,324 |
| Equity capital to assets | 8.5332% | 6,209 |
| Core capital (leverage) ratio | 8.7958% | 4,987 |
| Tier 1 risk-based capital ratio | 11.4986% | 5,428 |
| Total risk-based capital ratio | 12.8820% | 5,240 |
| Memoranda: | ||
| Average total assets | $438,043,000 | 1,591 |
| Average earning assets | $406,467,500 | 1,572 |
| Average equity | $34,747,500 | 1,953 |
| Average total loans | $365,529,250 | 1,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9354% | 2,434 |
| Cost of funding earning assets | 2.4915% | 1,642 |
| Net interest margin | 3.4438% | 5,010 |
| Noninterest income to average assets | 0.4638% | 4,753 |
| Noninterest expense to average assets | 2.8053% | 4,940 |
| Loan and lease loss provision to assets | 0.1785% | 5,261 |
| Net operating income to assets | 0.4569% | 4,268 |
| Return on assets (ROA) | 0.4364% | 4,465 |
| Pretax return on assets | 0.6473% | 4,169 |
| Return on Equity (ROE) | 5.6442% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.6442% | 2,184 |
| Net charge-offs to loans | 0.1224% | 4,940 |
| Credit loss provision to net charge-offs | 173.0088% | 2,657 |
| Earnings coverage of net charge-offs (x) | 8.3009% | 2,286 |
| Efficiency ratio | 75.4270% | 3,799 |
| Assets per employee ($millions) | 4.0571% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 6,593 |
| Loan loss allowance to noncurrent loans | 556.7480% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 7,212 |
| Noncurrent loans to loans | 0.1691% | 7,099 |
| Net loans and leases to total assets | 82.2045% | 922 |
| Net loans and leases to deposits | 115.3005% | 351 |
| Net loans and leases to core deposits | 133.7390% | 1,328 |
| Total domestic deposits to total assets | 71.2959% | 7,324 |
| Equity capital to assets | 7.9873% | 6,767 |
| Core capital (leverage) ratio | 8.6168% | 5,233 |
| Tier 1 risk-based capital ratio | 11.3086% | 5,583 |
| Total risk-based capital ratio | 12.4850% | 5,571 |
| Memoranda: | ||
| Average total assets | $438,105,000 | 1,613 |
| Average earning assets | $406,816,000 | 1,597 |
| Average equity | $33,875,670 | 2,002 |
| Average total loans | $369,422,330 | 1,346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9947% | 2,393 |
| Cost of funding earning assets | 2.6500% | 1,411 |
| Net interest margin | 3.3447% | 5,342 |
| Noninterest income to average assets | 0.4127% | 5,113 |
| Noninterest expense to average assets | 2.7584% | 4,742 |
| Loan and lease loss provision to assets | 0.1470% | 5,061 |
| Net operating income to assets | 0.4133% | 4,808 |
| Return on assets (ROA) | 0.3497% | 5,253 |
| Pretax return on assets | 0.5205% | 5,018 |
| Return on Equity (ROE) | 4.5986% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.5986% | 3,367 |
| Net charge-offs to loans | 0.0107% | 5,476 |
| Credit loss provision to net charge-offs | 1,610.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 504 |
| Efficiency ratio | 77.1266% | 3,309 |
| Assets per employee ($millions) | 3.9778% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 6,426 |
| Loan loss allowance to noncurrent loans | 411.6705% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 6,922 |
| Noncurrent loans to loans | 0.2335% | 6,865 |
| Net loans and leases to total assets | 85.5103% | 497 |
| Net loans and leases to deposits | 118.3342% | 330 |
| Net loans and leases to core deposits | 138.7030% | 1,165 |
| Total domestic deposits to total assets | 72.2617% | 7,168 |
| Equity capital to assets | 7.5170% | 7,340 |
| Core capital (leverage) ratio | 8.2513% | 6,000 |
| Tier 1 risk-based capital ratio | 10.6436% | 6,241 |
| Total risk-based capital ratio | 11.7904% | 6,265 |
| Memoranda: | ||
| Average total assets | $438,073,500 | 1,624 |
| Average earning assets | $407,090,500 | 1,600 |
| Average equity | $33,314,500 | 2,035 |
| Average total loans | $372,324,500 | 1,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3290% | 3,800 |
| Cost of funding earning assets | 3.1788% | 1,257 |
| Net interest margin | 3.1502% | 6,523 |
| Noninterest income to average assets | 0.4610% | 4,958 |
| Noninterest expense to average assets | 2.5704% | 5,754 |
| Loan and lease loss provision to assets | 0.1194% | 5,839 |
| Net operating income to assets | 0.4988% | 4,739 |
| Return on assets (ROA) | -0.8426% | 7,075 |
| Pretax return on assets | -1.3575% | 7,189 |
| Return on Equity (ROE) | -9.5991% | 7,250 |
| Retained earnings to average equity (ytd only) | -9.5991% | 7,038 |
| Net charge-offs to loans | 0.1633% | 4,565 |
| Credit loss provision to net charge-offs | 88.9632% | 5,701 |
| Earnings coverage of net charge-offs (x) | 6.3913% | 3,366 |
| Efficiency ratio | 73.7397% | 3,625 |
| Assets per employee ($millions) | 4.0234% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,517 |
| Loan loss allowance to noncurrent loans | 551.8459% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 7,017 |
| Noncurrent loans to loans | 0.1682% | 6,890 |
| Net loans and leases to total assets | 82.8931% | 1,062 |
| Net loans and leases to deposits | 118.3778% | 433 |
| Net loans and leases to core deposits | 139.2316% | 1,304 |
| Total domestic deposits to total assets | 70.0242% | 7,273 |
| Equity capital to assets | 7.6908% | 7,213 |
| Core capital (leverage) ratio | 8.3299% | 5,893 |
| Tier 1 risk-based capital ratio | 10.9826% | 5,738 |
| Total risk-based capital ratio | 12.0966% | 5,775 |
| Memoranda: | ||
| Average total assets | $445,525,200 | 1,542 |
| Average earning assets | $419,654,400 | 1,486 |
| Average equity | $39,108,000 | 1,726 |
| Average total loans | $366,175,600 | 1,324 |