Home > Passumpsic Savings Bank > Performance and Condition Ratios
Passumpsic Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,859 |
| Cost of funding earning assets | 0.8429% | 3,626 |
| Net interest margin | 3.2239% | 2,818 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.1641% | 862 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4856% | 3,694 |
| Return on assets (ROA) | 0.8404% | 2,719 |
| Pretax return on assets | 0.9227% | 2,901 |
| Return on Equity (ROE) | 7.1100% | 3,255 |
| Retained earnings to average equity (ytd only) | 6.9554% | 1,903 |
| Net charge-offs to loans | 0.0930% | 955 |
| Credit loss provision to net charge-offs | 113.4454% | 1,732 |
| Earnings coverage of net charge-offs (x) | 8.7261% | 2,327 |
| Efficiency ratio | 83.7821% | 670 |
| Assets per employee ($millions) | 5.6982% | 3,073 |
| Cash dividends to net income (ytd only)* | 2.1056% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 2,624 |
| Loan loss allowance to noncurrent loans | 70.3646% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 352 |
| Noncurrent loans to loans | 1.6132% | 402 |
| Net loans and leases to total assets | 74.1300% | 1,344 |
| Net loans and leases to deposits | 92.9596% | 1,016 |
| Net loans and leases to core deposits | 96.2653% | 1,643 |
| Total domestic deposits to total assets | 79.7500% | 3,507 |
| Equity capital to assets | 12.3719% | 1,016 |
| Core capital (leverage) ratio | 12.1759% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7979% | 623 |
| Memoranda: | ||
| Average total assets | $847,708,000 | 1,136 |
| Average earning assets | $782,616,200 | 1,126 |
| Average equity | $100,267,000 | 944 |
| Average total loans | $639,487,600 | 1,040 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 3,896 |
| Cost of funding earning assets | 0.7415% | 3,673 |
| Net interest margin | 3.2307% | 2,849 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 3.1408% | 884 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.5049% | 3,754 |
| Return on assets (ROA) | 0.4667% | 3,834 |
| Pretax return on assets | 0.4794% | 3,938 |
| Return on Equity (ROE) | 3.9900% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.9919% | 3,260 |
| Net charge-offs to loans | 0.1101% | 723 |
| Credit loss provision to net charge-offs | 127.8409% | 1,436 |
| Earnings coverage of net charge-offs (x) | 7.5133% | 2,231 |
| Efficiency ratio | 83.3982% | 651 |
| Assets per employee ($millions) | 5.7532% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,797 |
| Loan loss allowance to noncurrent loans | 60.1409% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 275 |
| Noncurrent loans to loans | 1.8512% | 349 |
| Net loans and leases to total assets | 75.5700% | 1,171 |
| Net loans and leases to deposits | 95.3610% | 791 |
| Net loans and leases to core deposits | 98.7193% | 1,400 |
| Total domestic deposits to total assets | 79.2400% | 3,649 |
| Equity capital to assets | 11.3317% | 1,232 |
| Core capital (leverage) ratio | 11.5351% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0241% | 1,313 |
| Memoranda: | ||
| Average total assets | $845,951,500 | 1,138 |
| Average earning assets | $780,949,250 | 1,127 |
| Average equity | $98,897,000 | 953 |
| Average total loans | $639,130,000 | 1,034 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,948 |
| Cost of funding earning assets | 0.5564% | 3,866 |
| Net interest margin | 3.2933% | 2,764 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 3.1447% | 848 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.5117% | 3,786 |
| Return on assets (ROA) | 0.7017% | 3,345 |
| Pretax return on assets | 0.7836% | 3,432 |
| Return on Equity (ROE) | 5.9400% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.9396% | 2,645 |
| Net charge-offs to loans | 0.1426% | 535 |
| Credit loss provision to net charge-offs | 99.7783% | 1,463 |
| Earnings coverage of net charge-offs (x) | 6.3304% | 2,131 |
| Efficiency ratio | 82.2307% | 694 |
| Assets per employee ($millions) | 5.3958% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 2,889 |
| Loan loss allowance to noncurrent loans | 59.4595% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 254 |
| Noncurrent loans to loans | 1.8729% | 314 |
| Net loans and leases to total assets | 75.4100% | 1,113 |
| Net loans and leases to deposits | 94.1245% | 850 |
| Net loans and leases to core deposits | 97.0795% | 1,407 |
| Total domestic deposits to total assets | 80.1200% | 3,563 |
| Equity capital to assets | 11.8579% | 1,089 |
| Core capital (leverage) ratio | 11.8279% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0862% | 944 |
| Memoranda: | ||
| Average total assets | $840,277,333 | 1,136 |
| Average earning assets | $776,474,667 | 1,134 |
| Average equity | $99,266,000 | 939 |
| Average total loans | $632,351,333 | 1,032 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 3,905 |
| Cost of funding earning assets | 0.3790% | 4,013 |
| Net interest margin | 3.3956% | 2,646 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.1423% | 876 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.5702% | 3,745 |
| Return on assets (ROA) | 0.6945% | 3,434 |
| Pretax return on assets | 0.7686% | 3,534 |
| Return on Equity (ROE) | 5.8900% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.8902% | 2,789 |
| Net charge-offs to loans | 0.2539% | 300 |
| Credit loss provision to net charge-offs | 56.6751% | 1,288 |
| Earnings coverage of net charge-offs (x) | 3.8892% | 1,872 |
| Efficiency ratio | 80.9805% | 765 |
| Assets per employee ($millions) | 5.4258% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,004 |
| Loan loss allowance to noncurrent loans | 54.4587% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5434% | 202 |
| Noncurrent loans to loans | 2.0376% | 269 |
| Net loans and leases to total assets | 74.9000% | 1,089 |
| Net loans and leases to deposits | 89.1676% | 1,122 |
| Net loans and leases to core deposits | 91.1593% | 1,550 |
| Total domestic deposits to total assets | 84.0000% | 3,096 |
| Equity capital to assets | 11.9393% | 1,012 |
| Core capital (leverage) ratio | 11.7865% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7442% | 1,032 |
| Memoranda: | ||
| Average total assets | $836,847,500 | 1,155 |
| Average earning assets | $773,700,000 | 1,150 |
| Average equity | $98,672,500 | 956 |
| Average total loans | $625,519,500 | 1,049 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 3,430 |
| Cost of funding earning assets | 0.2429% | 3,383 |
| Net interest margin | 3.1234% | 3,103 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.9635% | 1,018 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 0.8240% | 3,241 |
| Return on assets (ROA) | 0.2218% | 4,413 |
| Pretax return on assets | 0.1677% | 4,459 |
| Return on Equity (ROE) | 1.9200% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.7138% | 4,040 |
| Net charge-offs to loans | 0.0765% | 881 |
| Credit loss provision to net charge-offs | -198.0728% | 4,601 |
| Earnings coverage of net charge-offs (x) | 12.0942% | 2,124 |
| Efficiency ratio | 81.7489% | 609 |
| Assets per employee ($millions) | 5.5140% | 3,200 |
| Cash dividends to net income (ytd only)* | 10.5652% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,929 |
| Loan loss allowance to noncurrent loans | 52.0641% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 197 |
| Noncurrent loans to loans | 2.1005% | 257 |
| Net loans and leases to total assets | 72.9500% | 1,318 |
| Net loans and leases to deposits | 84.9833% | 1,391 |
| Net loans and leases to core deposits | 86.4887% | 1,713 |
| Total domestic deposits to total assets | 85.8400% | 2,770 |
| Equity capital to assets | 11.6431% | 1,035 |
| Core capital (leverage) ratio | 11.5385% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7232% | 754 |
| Memoranda: | ||
| Average total assets | $853,652,800 | 1,130 |
| Average earning assets | $790,835,000 | 1,123 |
| Average equity | $98,784,200 | 952 |
| Average total loans | $610,339,200 | 1,024 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 3,180 |
| Cost of funding earning assets | 0.2297% | 2,931 |
| Net interest margin | 3.0673% | 3,032 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.9705% | 943 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.5041% | 4,064 |
| Return on assets (ROA) | -0.5607% | 4,669 |
| Pretax return on assets | -0.8248% | 4,684 |
| Return on Equity (ROE) | -4.8500% | 4,660 |
| Retained earnings to average equity (ytd only) | -4.8523% | 4,597 |
| Net charge-offs to loans | 0.0728% | 785 |
| Credit loss provision to net charge-offs | 203.3133% | 971 |
| Earnings coverage of net charge-offs (x) | 12.1657% | 1,925 |
| Efficiency ratio | 82.5484% | 628 |
| Assets per employee ($millions) | 5.4097% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,782 |
| Loan loss allowance to noncurrent loans | 137.1710% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 690 |
| Noncurrent loans to loans | 0.9881% | 785 |
| Net loans and leases to total assets | 73.7400% | 1,120 |
| Net loans and leases to deposits | 85.4115% | 1,209 |
| Net loans and leases to core deposits | 86.7594% | 1,483 |
| Total domestic deposits to total assets | 86.3300% | 2,975 |
| Equity capital to assets | 10.9170% | 1,208 |
| Core capital (leverage) ratio | 10.7862% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3760% | 1,107 |
| Memoranda: | ||
| Average total assets | $857,534,250 | 1,133 |
| Average earning assets | $795,123,250 | 1,127 |
| Average equity | $99,084,250 | 958 |
| Average total loans | $608,387,500 | 1,027 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1344% | 3,225 |
| Cost of funding earning assets | 0.2250% | 2,584 |
| Net interest margin | 2.9095% | 3,140 |
| Noninterest income to average assets | 0.7390% | 1,206 |
| Noninterest expense to average assets | 2.9321% | 939 |
| Loan and lease loss provision to assets | 0.1042% | 959 |
| Net operating income to assets | 0.3930% | 4,122 |
| Return on assets (ROA) | -0.9087% | 4,706 |
| Pretax return on assets | -1.2411% | 4,713 |
| Return on Equity (ROE) | -7.7264% | 4,706 |
| Retained earnings to average equity (ytd only) | -7.7264% | 4,617 |
| Net charge-offs to loans | 0.0980% | 599 |
| Credit loss provision to net charge-offs | 152.5424% | 1,083 |
| Earnings coverage of net charge-offs (x) | 7.4780% | 1,854 |
| Efficiency ratio | 85.1658% | 616 |
| Assets per employee ($millions) | 5.7283% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,991 |
| Loan loss allowance to noncurrent loans | 93.7796% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 434 |
| Noncurrent loans to loans | 1.4322% | 524 |
| Net loans and leases to total assets | 72.4623% | 1,057 |
| Net loans and leases to deposits | 85.4075% | 1,023 |
| Net loans and leases to core deposits | 86.3716% | 1,318 |
| Total domestic deposits to total assets | 84.8430% | 3,518 |
| Equity capital to assets | 11.3062% | 1,097 |
| Core capital (leverage) ratio | 10.6616% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3851% | 1,103 |
| Memoranda: | ||
| Average total assets | $863,879,667 | 1,124 |
| Average earning assets | $802,821,667 | 1,120 |
| Average equity | $101,599,333 | 959 |
| Average total loans | $602,256,333 | 1,020 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9606% | 3,367 |
| Cost of funding earning assets | 0.2182% | 2,556 |
| Net interest margin | 2.7424% | 3,304 |
| Noninterest income to average assets | 0.6813% | 1,382 |
| Noninterest expense to average assets | 2.8615% | 1,036 |
| Loan and lease loss provision to assets | 0.1029% | 809 |
| Net operating income to assets | 0.2817% | 4,180 |
| Return on assets (ROA) | -0.3873% | 4,669 |
| Pretax return on assets | -0.5725% | 4,685 |
| Return on Equity (ROE) | -3.2329% | 4,667 |
| Retained earnings to average equity (ytd only) | -3.2329% | 4,327 |
| Net charge-offs to loans | 0.0128% | 1,301 |
| Credit loss provision to net charge-offs | 1,184.2105% | 305 |
| Earnings coverage of net charge-offs (x) | 43.4211% | 978 |
| Efficiency ratio | 88.3524% | 614 |
| Assets per employee ($millions) | 5.7960% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,898 |
| Loan loss allowance to noncurrent loans | 104.2925% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 580 |
| Noncurrent loans to loans | 1.3438% | 647 |
| Net loans and leases to total assets | 67.6361% | 1,250 |
| Net loans and leases to deposits | 79.7010% | 1,168 |
| Net loans and leases to core deposits | 80.5631% | 1,446 |
| Total domestic deposits to total assets | 84.8624% | 3,568 |
| Equity capital to assets | 11.7101% | 1,057 |
| Core capital (leverage) ratio | 10.7833% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5710% | 1,127 |
| Memoranda: | ||
| Average total assets | $874,789,000 | 1,105 |
| Average earning assets | $815,770,500 | 1,108 |
| Average equity | $104,796,500 | 961 |
| Average total loans | $594,142,500 | 1,030 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 3,836 |
| Cost of funding earning assets | 0.2594% | 2,817 |
| Net interest margin | 2.7614% | 3,749 |
| Noninterest income to average assets | 1.0542% | 912 |
| Noninterest expense to average assets | 2.9520% | 1,060 |
| Loan and lease loss provision to assets | 0.1409% | 855 |
| Net operating income to assets | 0.4370% | 4,208 |
| Return on assets (ROA) | 1.0748% | 2,464 |
| Pretax return on assets | 1.2973% | 2,369 |
| Return on Equity (ROE) | 8.7908% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.4547% | 1,364 |
| Net charge-offs to loans | 0.0718% | 1,074 |
| Credit loss provision to net charge-offs | 290.5569% | 1,080 |
| Earnings coverage of net charge-offs (x) | 13.8111% | 2,061 |
| Efficiency ratio | 81.5081% | 720 |
| Assets per employee ($millions) | 5.7907% | 2,968 |
| Cash dividends to net income (ytd only)* | 3.8235% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 2,011 |
| Loan loss allowance to noncurrent loans | 130.9979% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 890 |
| Noncurrent loans to loans | 1.0514% | 930 |
| Net loans and leases to total assets | 66.3209% | 1,434 |
| Net loans and leases to deposits | 78.9042% | 1,306 |
| Net loans and leases to core deposits | 79.7216% | 1,618 |
| Total domestic deposits to total assets | 84.0524% | 3,547 |
| Equity capital to assets | 12.2409% | 1,154 |
| Core capital (leverage) ratio | 10.8163% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6846% | 1,121 |
| Memoranda: | ||
| Average total assets | $851,702,000 | 1,088 |
| Average earning assets | $791,892,600 | 1,098 |
| Average equity | $104,131,600 | 981 |
| Average total loans | $575,346,200 | 1,051 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0494% | 3,908 |
| Cost of funding earning assets | 0.2725% | 2,866 |
| Net interest margin | 2.7769% | 3,830 |
| Noninterest income to average assets | 1.1314% | 890 |
| Noninterest expense to average assets | 2.7911% | 1,362 |
| Loan and lease loss provision to assets | 0.1421% | 797 |
| Net operating income to assets | 0.6474% | 3,906 |
| Return on assets (ROA) | 1.0245% | 2,885 |
| Pretax return on assets | 1.2315% | 2,831 |
| Return on Equity (ROE) | 8.3824% | 3,289 |
| Retained earnings to average equity (ytd only) | 8.3824% | 1,922 |
| Net charge-offs to loans | 0.0698% | 951 |
| Credit loss provision to net charge-offs | 301.0033% | 1,005 |
| Earnings coverage of net charge-offs (x) | 19.4749% | 1,759 |
| Efficiency ratio | 75.2244% | 1,097 |
| Assets per employee ($millions) | 5.5178% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,207 |
| Loan loss allowance to noncurrent loans | 147.4366% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 1,220 |
| Noncurrent loans to loans | 0.9176% | 1,258 |
| Net loans and leases to total assets | 67.0498% | 1,423 |
| Net loans and leases to deposits | 79.7019% | 1,319 |
| Net loans and leases to core deposits | 80.8645% | 1,665 |
| Total domestic deposits to total assets | 84.1257% | 3,428 |
| Equity capital to assets | 12.1919% | 1,316 |
| Core capital (leverage) ratio | 10.7242% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5718% | 1,228 |
| Memoranda: | ||
| Average total assets | $844,581,750 | 1,107 |
| Average earning assets | $784,347,250 | 1,118 |
| Average equity | $103,229,000 | 1,004 |
| Average total loans | $571,208,500 | 1,078 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 3,939 |
| Cost of funding earning assets | 0.3016% | 2,763 |
| Net interest margin | 2.7589% | 3,879 |
| Noninterest income to average assets | 1.1365% | 879 |
| Noninterest expense to average assets | 2.7205% | 1,534 |
| Loan and lease loss provision to assets | 0.1433% | 846 |
| Net operating income to assets | 0.6772% | 3,812 |
| Return on assets (ROA) | 1.3294% | 1,839 |
| Pretax return on assets | 1.6290% | 1,660 |
| Return on Equity (ROE) | 10.8676% | 2,472 |
| Retained earnings to average equity (ytd only) | 10.8676% | 1,154 |
| Net charge-offs to loans | 0.0149% | 1,650 |
| Credit loss provision to net charge-offs | 1,428.5714% | 374 |
| Earnings coverage of net charge-offs (x) | 97.3810% | 764 |
| Efficiency ratio | 73.5788% | 1,281 |
| Assets per employee ($millions) | 5.6566% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 2,127 |
| Loan loss allowance to noncurrent loans | 124.1266% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 1,097 |
| Noncurrent loans to loans | 1.0993% | 1,103 |
| Net loans and leases to total assets | 67.0512% | 1,573 |
| Net loans and leases to deposits | 79.8365% | 1,440 |
| Net loans and leases to core deposits | 81.0799% | 1,790 |
| Total domestic deposits to total assets | 83.9856% | 3,445 |
| Equity capital to assets | 12.3164% | 1,211 |
| Core capital (leverage) ratio | 10.7718% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5886% | 877 |
| Memoranda: | ||
| Average total assets | $837,344,000 | 1,110 |
| Average earning assets | $777,262,000 | 1,120 |
| Average equity | $102,432,667 | 1,005 |
| Average total loans | $565,339,667 | 1,087 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0585% | 3,967 |
| Cost of funding earning assets | 0.3223% | 2,777 |
| Net interest margin | 2.7362% | 3,890 |
| Noninterest income to average assets | 1.2580% | 796 |
| Noninterest expense to average assets | 2.7288% | 1,557 |
| Loan and lease loss provision to assets | 0.1448% | 916 |
| Net operating income to assets | 0.7524% | 3,567 |
| Return on assets (ROA) | 1.2980% | 1,910 |
| Pretax return on assets | 1.5895% | 1,759 |
| Return on Equity (ROE) | 10.6484% | 2,479 |
| Retained earnings to average equity (ytd only) | 10.6484% | 1,481 |
| Net charge-offs to loans | 0.0459% | 1,025 |
| Credit loss provision to net charge-offs | 468.7500% | 608 |
| Earnings coverage of net charge-offs (x) | 34.6094% | 1,037 |
| Efficiency ratio | 71.8551% | 1,511 |
| Assets per employee ($millions) | 5.8189% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 2,256 |
| Loan loss allowance to noncurrent loans | 140.5251% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 1,480 |
| Noncurrent loans to loans | 0.9532% | 1,420 |
| Net loans and leases to total assets | 66.3572% | 1,750 |
| Net loans and leases to deposits | 78.8318% | 1,631 |
| Net loans and leases to core deposits | 81.4976% | 1,876 |
| Total domestic deposits to total assets | 84.1757% | 3,381 |
| Equity capital to assets | 12.0742% | 1,251 |
| Core capital (leverage) ratio | 10.7736% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3817% | 1,011 |
| Memoranda: | ||
| Average total assets | $828,940,000 | 1,108 |
| Average earning assets | $769,385,500 | 1,113 |
| Average equity | $101,048,500 | 1,004 |
| Average total loans | $557,688,500 | 1,102 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 3,842 |
| Cost of funding earning assets | 0.4634% | 3,197 |
| Net interest margin | 3.1206% | 3,581 |
| Noninterest income to average assets | 2.2015% | 295 |
| Noninterest expense to average assets | 3.3012% | 907 |
| Loan and lease loss provision to assets | 0.2954% | 1,274 |
| Net operating income to assets | 1.2206% | 1,477 |
| Return on assets (ROA) | 1.6531% | 612 |
| Pretax return on assets | 1.9876% | 463 |
| Return on Equity (ROE) | 13.2473% | 983 |
| Retained earnings to average equity (ytd only) | 13.1397% | 233 |
| Net charge-offs to loans | 0.1093% | 1,378 |
| Credit loss provision to net charge-offs | 372.2504% | 1,519 |
| Earnings coverage of net charge-offs (x) | 22.2030% | 1,865 |
| Efficiency ratio | 64.9942% | 2,680 |
| Assets per employee ($millions) | 5.4650% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.8122% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,217 |
| Loan loss allowance to noncurrent loans | 128.6014% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 1,482 |
| Noncurrent loans to loans | 1.0452% | 1,359 |
| Net loans and leases to total assets | 66.3835% | 2,035 |
| Net loans and leases to deposits | 79.2199% | 1,957 |
| Net loans and leases to core deposits | 100.0318% | 896 |
| Total domestic deposits to total assets | 83.7964% | 3,168 |
| Equity capital to assets | 12.3469% | 1,395 |
| Core capital (leverage) ratio | 10.4798% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8946% | 1,072 |
| Memoranda: | ||
| Average total assets | $744,762,400 | 1,116 |
| Average earning assets | $682,947,600 | 1,127 |
| Average equity | $92,939,800 | 1,030 |
| Average total loans | $540,589,000 | 1,075 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 3,815 |
| Cost of funding earning assets | 0.4749% | 3,393 |
| Net interest margin | 3.2171% | 3,440 |
| Noninterest income to average assets | 2.2740% | 278 |
| Noninterest expense to average assets | 3.2483% | 981 |
| Loan and lease loss provision to assets | 0.2750% | 1,462 |
| Net operating income to assets | 1.4315% | 1,032 |
| Return on assets (ROA) | 1.6503% | 721 |
| Pretax return on assets | 1.9512% | 566 |
| Return on Equity (ROE) | 13.1851% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.1851% | 317 |
| Net charge-offs to loans | 0.0896% | 1,410 |
| Credit loss provision to net charge-offs | 414.3646% | 1,438 |
| Earnings coverage of net charge-offs (x) | 29.6713% | 1,595 |
| Efficiency ratio | 61.9879% | 3,080 |
| Assets per employee ($millions) | 5.3326% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,317 |
| Loan loss allowance to noncurrent loans | 119.4387% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 1,562 |
| Noncurrent loans to loans | 1.0602% | 1,408 |
| Net loans and leases to total assets | 66.3193% | 2,479 |
| Net loans and leases to deposits | 81.2908% | 2,168 |
| Net loans and leases to core deposits | 96.7058% | 1,403 |
| Total domestic deposits to total assets | 81.5828% | 3,524 |
| Equity capital to assets | 12.0006% | 1,674 |
| Core capital (leverage) ratio | 10.8746% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5651% | 1,118 |
| Memoranda: | ||
| Average total assets | $727,382,000 | 1,122 |
| Average earning assets | $665,431,250 | 1,137 |
| Average equity | $91,040,000 | 1,036 |
| Average total loans | $538,757,500 | 1,070 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 3,725 |
| Cost of funding earning assets | 0.4959% | 3,561 |
| Net interest margin | 3.3623% | 3,216 |
| Noninterest income to average assets | 1.8792% | 317 |
| Noninterest expense to average assets | 3.3742% | 885 |
| Loan and lease loss provision to assets | 0.1715% | 2,292 |
| Net operating income to assets | 1.2325% | 1,540 |
| Return on assets (ROA) | 1.1583% | 1,899 |
| Pretax return on assets | 1.3155% | 1,982 |
| Return on Equity (ROE) | 9.1094% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.1094% | 978 |
| Net charge-offs to loans | 0.1449% | 995 |
| Credit loss provision to net charge-offs | 154.2416% | 2,108 |
| Earnings coverage of net charge-offs (x) | 14.1311% | 1,958 |
| Efficiency ratio | 67.7995% | 2,263 |
| Assets per employee ($millions) | 5.1105% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,323 |
| Loan loss allowance to noncurrent loans | 91.6181% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,505 |
| Noncurrent loans to loans | 1.1458% | 1,376 |
| Net loans and leases to total assets | 71.0176% | 1,869 |
| Net loans and leases to deposits | 88.3277% | 1,521 |
| Net loans and leases to core deposits | 106.4119% | 878 |
| Total domestic deposits to total assets | 80.4024% | 3,751 |
| Equity capital to assets | 11.6554% | 1,866 |
| Core capital (leverage) ratio | 10.2419% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9462% | 1,500 |
| Memoranda: | ||
| Average total assets | $699,660,000 | 1,146 |
| Average earning assets | $638,067,667 | 1,158 |
| Average equity | $88,963,000 | 1,045 |
| Average total loans | $536,862,000 | 1,059 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,432 |
| Cost of funding earning assets | 0.5573% | 3,651 |
| Net interest margin | 3.5739% | 2,756 |
| Noninterest income to average assets | 1.7208% | 313 |
| Noninterest expense to average assets | 3.6509% | 751 |
| Loan and lease loss provision to assets | 0.1836% | 1,628 |
| Net operating income to assets | 1.0034% | 2,160 |
| Return on assets (ROA) | -0.6911% | 4,938 |
| Pretax return on assets | -1.0199% | 4,959 |
| Return on Equity (ROE) | -5.1741% | 4,927 |
| Retained earnings to average equity (ytd only) | -5.1741% | 4,536 |
| Net charge-offs to loans | 0.1842% | 733 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 8.9083% | 1,843 |
| Efficiency ratio | 73.1548% | 1,923 |
| Assets per employee ($millions) | 4.1021% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,098 |
| Loan loss allowance to noncurrent loans | 85.0044% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,239 |
| Noncurrent loans to loans | 1.3151% | 1,239 |
| Net loans and leases to total assets | 79.3744% | 771 |
| Net loans and leases to deposits | 100.8983% | 496 |
| Net loans and leases to core deposits | 117.2123% | 549 |
| Total domestic deposits to total assets | 78.6677% | 4,108 |
| Equity capital to assets | 13.4185% | 1,255 |
| Core capital (leverage) ratio | 10.8961% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4330% | 1,497 |
| Memoranda: | ||
| Average total assets | $653,425,500 | 1,184 |
| Average earning assets | $592,184,000 | 1,200 |
| Average equity | $87,281,500 | 1,057 |
| Average total loans | $521,033,500 | 1,059 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,734 |
| Cost of funding earning assets | 0.6214% | 3,549 |
| Net interest margin | 3.6077% | 3,110 |
| Noninterest income to average assets | 1.2427% | 611 |
| Noninterest expense to average assets | 3.4135% | 1,087 |
| Loan and lease loss provision to assets | 0.1810% | 1,143 |
| Net operating income to assets | 0.7889% | 3,587 |
| Return on assets (ROA) | 1.4138% | 1,374 |
| Pretax return on assets | 1.6518% | 1,333 |
| Return on Equity (ROE) | 11.2981% | 1,774 |
| Retained earnings to average equity (ytd only) | 11.1172% | 317 |
| Net charge-offs to loans | 0.2991% | 700 |
| Credit loss provision to net charge-offs | 75.2351% | 2,849 |
| Earnings coverage of net charge-offs (x) | 4.5981% | 3,198 |
| Efficiency ratio | 75.0309% | 1,485 |
| Assets per employee ($millions) | 4.0390% | 3,857 |
| Cash dividends to net income (ytd only)* | 1.6003% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 2,933 |
| Loan loss allowance to noncurrent loans | 75.9868% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 947 |
| Noncurrent loans to loans | 1.4517% | 1,006 |
| Net loans and leases to total assets | 78.3833% | 1,012 |
| Net loans and leases to deposits | 99.0476% | 663 |
| Net loans and leases to core deposits | 115.1232% | 631 |
| Total domestic deposits to total assets | 79.1370% | 4,163 |
| Equity capital to assets | 13.3104% | 1,364 |
| Core capital (leverage) ratio | 11.0492% | 2,460 |
| Tier 1 risk-based capital ratio | 15.1632% | 2,714 |
| Total risk-based capital ratio | 16.3643% | 2,662 |
| Memoranda: | ||
| Average total assets | $662,976,600 | 1,130 |
| Average earning assets | $602,207,200 | 1,141 |
| Average equity | $82,961,200 | 1,051 |
| Average total loans | $533,236,800 | 1,011 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,890 |
| Cost of funding earning assets | 0.6167% | 3,603 |
| Net interest margin | 3.5990% | 3,259 |
| Noninterest income to average assets | 1.1690% | 668 |
| Noninterest expense to average assets | 3.3077% | 1,250 |
| Loan and lease loss provision to assets | 0.1807% | 1,012 |
| Net operating income to assets | 0.8113% | 3,640 |
| Return on assets (ROA) | 1.4141% | 1,485 |
| Pretax return on assets | 1.6599% | 1,440 |
| Return on Equity (ROE) | 11.4822% | 1,810 |
| Retained earnings to average equity (ytd only) | 11.4822% | 456 |
| Net charge-offs to loans | 0.3086% | 566 |
| Credit loss provision to net charge-offs | 72.5222% | 2,590 |
| Earnings coverage of net charge-offs (x) | 4.5407% | 2,998 |
| Efficiency ratio | 74.0129% | 1,569 |
| Assets per employee ($millions) | 4.1900% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,300 |
| Loan loss allowance to noncurrent loans | 81.7274% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 1,190 |
| Noncurrent loans to loans | 1.2823% | 1,213 |
| Net loans and leases to total assets | 80.8162% | 730 |
| Net loans and leases to deposits | 100.4816% | 597 |
| Net loans and leases to core deposits | 120.0283% | 537 |
| Total domestic deposits to total assets | 80.4289% | 3,882 |
| Equity capital to assets | 12.6112% | 1,833 |
| Core capital (leverage) ratio | 10.6225% | 2,994 |
| Tier 1 risk-based capital ratio | 14.0958% | 3,280 |
| Total risk-based capital ratio | 15.2689% | 3,227 |
| Memoranda: | ||
| Average total assets | $664,131,750 | 1,125 |
| Average earning assets | $603,419,250 | 1,134 |
| Average equity | $81,794,000 | 1,063 |
| Average total loans | $536,096,750 | 1,007 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 3,921 |
| Cost of funding earning assets | 0.6008% | 3,649 |
| Net interest margin | 3.6026% | 3,245 |
| Noninterest income to average assets | 0.9180% | 1,044 |
| Noninterest expense to average assets | 3.3138% | 1,262 |
| Loan and lease loss provision to assets | 0.1820% | 978 |
| Net operating income to assets | 0.5928% | 4,324 |
| Return on assets (ROA) | 1.3752% | 1,561 |
| Pretax return on assets | 1.6134% | 1,507 |
| Return on Equity (ROE) | 11.2587% | 1,886 |
| Retained earnings to average equity (ytd only) | 11.2587% | 514 |
| Net charge-offs to loans | 0.3381% | 504 |
| Credit loss provision to net charge-offs | 66.9643% | 2,344 |
| Earnings coverage of net charge-offs (x) | 3.2188% | 2,868 |
| Efficiency ratio | 78.5761% | 1,088 |
| Assets per employee ($millions) | 4.0922% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 3,198 |
| Loan loss allowance to noncurrent loans | 117.8305% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 1,657 |
| Noncurrent loans to loans | 0.9146% | 1,794 |
| Net loans and leases to total assets | 80.5727% | 797 |
| Net loans and leases to deposits | 97.9952% | 843 |
| Net loans and leases to core deposits | 119.5749% | 562 |
| Total domestic deposits to total assets | 82.2210% | 3,452 |
| Equity capital to assets | 12.4306% | 1,898 |
| Core capital (leverage) ratio | 10.4824% | 3,115 |
| Tier 1 risk-based capital ratio | 13.7034% | 3,481 |
| Total risk-based capital ratio | 14.8849% | 3,407 |
| Memoranda: | ||
| Average total assets | $659,249,000 | 1,132 |
| Average earning assets | $598,510,670 | 1,140 |
| Average equity | $80,524,670 | 1,074 |
| Average total loans | $530,004,330 | 1,014 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 3,864 |
| Cost of funding earning assets | 0.5633% | 3,767 |
| Net interest margin | 3.6369% | 3,114 |
| Noninterest income to average assets | 0.8142% | 1,257 |
| Noninterest expense to average assets | 3.2159% | 1,463 |
| Loan and lease loss provision to assets | 0.1831% | 898 |
| Net operating income to assets | 0.6925% | 3,964 |
| Return on assets (ROA) | 1.8286% | 551 |
| Pretax return on assets | 1.8970% | 803 |
| Return on Equity (ROE) | 15.1066% | 729 |
| Retained earnings to average equity (ytd only) | 15.1066% | 273 |
| Net charge-offs to loans | 0.4655% | 331 |
| Credit loss provision to net charge-offs | 49.2611% | 1,981 |
| Earnings coverage of net charge-offs (x) | 2.4122% | 2,496 |
| Efficiency ratio | 77.6343% | 1,313 |
| Assets per employee ($millions) | 4.2595% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,094 |
| Loan loss allowance to noncurrent loans | 113.5692% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 1,628 |
| Noncurrent loans to loans | 0.9747% | 1,715 |
| Net loans and leases to total assets | 79.0531% | 980 |
| Net loans and leases to deposits | 95.8089% | 989 |
| Net loans and leases to core deposits | 117.3523% | 601 |
| Total domestic deposits to total assets | 82.5112% | 3,577 |
| Equity capital to assets | 12.2688% | 1,859 |
| Core capital (leverage) ratio | 10.4233% | 3,140 |
| Tier 1 risk-based capital ratio | 14.4592% | 3,112 |
| Total risk-based capital ratio | 15.7093% | 3,045 |
| Memoranda: | ||
| Average total assets | $655,361,500 | 1,147 |
| Average earning assets | $594,350,500 | 1,161 |
| Average equity | $79,329,500 | 1,081 |
| Average total loans | $523,359,500 | 1,031 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 3,913 |
| Cost of funding earning assets | 0.4554% | 3,645 |
| Net interest margin | 3.5863% | 3,429 |
| Noninterest income to average assets | 0.9730% | 1,002 |
| Noninterest expense to average assets | 3.5897% | 884 |
| Loan and lease loss provision to assets | 0.1776% | 1,110 |
| Net operating income to assets | 0.4166% | 4,835 |
| Return on assets (ROA) | 0.6384% | 4,325 |
| Pretax return on assets | 0.6809% | 4,457 |
| Return on Equity (ROE) | 5.2880% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.1590% | 2,687 |
| Net charge-offs to loans | 0.1743% | 1,107 |
| Credit loss provision to net charge-offs | 129.9886% | 2,032 |
| Earnings coverage of net charge-offs (x) | 4.5564% | 3,285 |
| Efficiency ratio | 84.6125% | 605 |
| Assets per employee ($millions) | 4.1171% | 3,724 |
| Cash dividends to net income (ytd only)* | 2.4408% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,645 |
| Loan loss allowance to noncurrent loans | 107.1603% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 1,436 |
| Noncurrent loans to loans | 1.1061% | 1,468 |
| Net loans and leases to total assets | 78.8315% | 1,133 |
| Net loans and leases to deposits | 95.4008% | 1,130 |
| Net loans and leases to core deposits | 118.2037% | 615 |
| Total domestic deposits to total assets | 82.6320% | 3,440 |
| Equity capital to assets | 11.9381% | 1,945 |
| Core capital (leverage) ratio | 9.8970% | 3,697 |
| Tier 1 risk-based capital ratio | 13.3178% | 3,651 |
| Total risk-based capital ratio | 14.5682% | 3,536 |
| Memoranda: | ||
| Average total assets | $641,801,000 | 1,128 |
| Average earning assets | $579,699,000 | 1,160 |
| Average equity | $77,476,600 | 1,060 |
| Average total loans | $503,230,000 | 1,041 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 4,032 |
| Cost of funding earning assets | 0.4347% | 3,632 |
| Net interest margin | 3.5307% | 3,592 |
| Noninterest income to average assets | 0.9507% | 1,056 |
| Noninterest expense to average assets | 3.5562% | 912 |
| Loan and lease loss provision to assets | 0.1782% | 1,025 |
| Net operating income to assets | 0.3813% | 4,987 |
| Return on assets (ROA) | 0.6748% | 4,318 |
| Pretax return on assets | 0.7219% | 4,487 |
| Return on Equity (ROE) | 5.5738% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.5738% | 2,910 |
| Net charge-offs to loans | 0.1923% | 869 |
| Credit loss provision to net charge-offs | 118.7500% | 2,000 |
| Earnings coverage of net charge-offs (x) | 3.8944% | 3,116 |
| Efficiency ratio | 85.2447% | 561 |
| Assets per employee ($millions) | 4.2173% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,789 |
| Loan loss allowance to noncurrent loans | 146.2248% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 2,002 |
| Noncurrent loans to loans | 0.8010% | 2,106 |
| Net loans and leases to total assets | 78.7668% | 1,204 |
| Net loans and leases to deposits | 96.5375% | 1,088 |
| Net loans and leases to core deposits | 113.5943% | 838 |
| Total domestic deposits to total assets | 81.5920% | 3,710 |
| Equity capital to assets | 12.2702% | 1,725 |
| Core capital (leverage) ratio | 10.1384% | 3,481 |
| Tier 1 risk-based capital ratio | 13.7190% | 3,501 |
| Total risk-based capital ratio | 15.1326% | 3,332 |
| Memoranda: | ||
| Average total assets | $639,625,000 | 1,134 |
| Average earning assets | $577,892,250 | 1,167 |
| Average equity | $77,431,250 | 1,057 |
| Average total loans | $499,299,000 | 1,052 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,049 |
| Cost of funding earning assets | 0.4144% | 3,608 |
| Net interest margin | 3.4958% | 3,643 |
| Noninterest income to average assets | 0.9504% | 1,051 |
| Noninterest expense to average assets | 3.6911% | 766 |
| Loan and lease loss provision to assets | 0.1788% | 1,008 |
| Net operating income to assets | 0.2329% | 5,197 |
| Return on assets (ROA) | 0.5480% | 4,635 |
| Pretax return on assets | 0.5590% | 4,797 |
| Return on Equity (ROE) | 4.5558% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.5558% | 3,316 |
| Net charge-offs to loans | 0.1671% | 931 |
| Credit loss provision to net charge-offs | 138.0145% | 1,658 |
| Earnings coverage of net charge-offs (x) | 3.2131% | 2,899 |
| Efficiency ratio | 89.1859% | 405 |
| Assets per employee ($millions) | 4.0884% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,633 |
| Loan loss allowance to noncurrent loans | 134.5726% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 1,682 |
| Noncurrent loans to loans | 0.9030% | 1,914 |
| Net loans and leases to total assets | 77.0496% | 1,462 |
| Net loans and leases to deposits | 94.5578% | 1,295 |
| Net loans and leases to core deposits | 111.7655% | 899 |
| Total domestic deposits to total assets | 81.4841% | 3,872 |
| Equity capital to assets | 12.1329% | 1,760 |
| Core capital (leverage) ratio | 9.8409% | 3,744 |
| Tier 1 risk-based capital ratio | 13.4734% | 3,632 |
| Total risk-based capital ratio | 14.8253% | 3,489 |
| Memoranda: | ||
| Average total assets | $637,593,670 | 1,140 |
| Average earning assets | $575,784,000 | 1,169 |
| Average equity | $76,692,670 | 1,066 |
| Average total loans | $494,300,670 | 1,060 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 3,725 |
| Cost of funding earning assets | 0.4055% | 3,539 |
| Net interest margin | 3.5637% | 3,302 |
| Noninterest income to average assets | 0.8985% | 1,151 |
| Noninterest expense to average assets | 3.9950% | 535 |
| Loan and lease loss provision to assets | 0.1788% | 965 |
| Net operating income to assets | -0.0553% | 5,408 |
| Return on assets (ROA) | 0.4963% | 4,712 |
| Pretax return on assets | 0.5026% | 4,864 |
| Return on Equity (ROE) | 4.1442% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.1442% | 3,540 |
| Net charge-offs to loans | 0.2094% | 710 |
| Credit loss provision to net charge-offs | 110.4651% | 1,452 |
| Earnings coverage of net charge-offs (x) | 0.7674% | 2,617 |
| Efficiency ratio | 96.2072% | 249 |
| Assets per employee ($millions) | 4.0001% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,699 |
| Loan loss allowance to noncurrent loans | 137.5901% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 1,851 |
| Noncurrent loans to loans | 0.8854% | 2,060 |
| Net loans and leases to total assets | 75.8912% | 1,557 |
| Net loans and leases to deposits | 92.9508% | 1,340 |
| Net loans and leases to core deposits | 110.1807% | 996 |
| Total domestic deposits to total assets | 81.6467% | 4,053 |
| Equity capital to assets | 12.0702% | 1,732 |
| Core capital (leverage) ratio | 9.7460% | 3,806 |
| Tier 1 risk-based capital ratio | 13.7298% | 3,529 |
| Total risk-based capital ratio | 15.0694% | 3,395 |
| Memoranda: | ||
| Average total assets | $637,496,500 | 1,152 |
| Average earning assets | $576,143,000 | 1,179 |
| Average equity | $76,348,000 | 1,075 |
| Average total loans | $492,722,000 | 1,068 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,909 |
| Cost of funding earning assets | 0.4306% | 2,956 |
| Net interest margin | 3.4118% | 3,812 |
| Noninterest income to average assets | 1.0012% | 1,016 |
| Noninterest expense to average assets | 3.5011% | 1,031 |
| Loan and lease loss provision to assets | 0.1576% | 1,426 |
| Net operating income to assets | 0.3803% | 4,753 |
| Return on assets (ROA) | 0.5692% | 4,183 |
| Pretax return on assets | 0.6205% | 4,694 |
| Return on Equity (ROE) | 4.9263% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.9263% | 2,171 |
| Net charge-offs to loans | 0.1566% | 1,553 |
| Credit loss provision to net charge-offs | 128.3904% | 2,049 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,434 |
| Efficiency ratio | 85.1655% | 693 |
| Assets per employee ($millions) | 4.0695% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,907 |
| Loan loss allowance to noncurrent loans | 108.5346% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 1,780 |
| Noncurrent loans to loans | 1.0852% | 1,635 |
| Net loans and leases to total assets | 76.8295% | 1,455 |
| Net loans and leases to deposits | 93.6850% | 1,306 |
| Net loans and leases to core deposits | 111.8867% | 904 |
| Total domestic deposits to total assets | 82.0084% | 3,870 |
| Equity capital to assets | 11.8838% | 1,921 |
| Core capital (leverage) ratio | 9.5584% | 3,964 |
| Tier 1 risk-based capital ratio | 13.4234% | 3,676 |
| Total risk-based capital ratio | 14.8612% | 3,488 |
| Memoranda: | ||
| Average total assets | $642,858,000 | 1,131 |
| Average earning assets | $578,962,200 | 1,148 |
| Average equity | $74,274,200 | 1,077 |
| Average total loans | $503,950,800 | 1,020 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 3,906 |
| Cost of funding earning assets | 0.4387% | 2,820 |
| Net interest margin | 3.3897% | 3,881 |
| Noninterest income to average assets | 0.9620% | 1,114 |
| Noninterest expense to average assets | 3.4337% | 1,095 |
| Loan and lease loss provision to assets | 0.2101% | 897 |
| Net operating income to assets | 0.3885% | 5,021 |
| Return on assets (ROA) | 0.5592% | 4,578 |
| Pretax return on assets | 0.5384% | 4,953 |
| Return on Equity (ROE) | 4.8747% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.8747% | 2,967 |
| Net charge-offs to loans | 0.0921% | 1,866 |
| Credit loss provision to net charge-offs | 290.2579% | 1,022 |
| Earnings coverage of net charge-offs (x) | 7.9828% | 2,825 |
| Efficiency ratio | 84.8095% | 700 |
| Assets per employee ($millions) | 4.1940% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,675 |
| Loan loss allowance to noncurrent loans | 111.4870% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 1,863 |
| Noncurrent loans to loans | 1.1158% | 1,723 |
| Net loans and leases to total assets | 78.2902% | 1,230 |
| Net loans and leases to deposits | 95.1115% | 1,191 |
| Net loans and leases to core deposits | 113.7616% | 856 |
| Total domestic deposits to total assets | 82.3141% | 3,680 |
| Equity capital to assets | 11.7959% | 2,113 |
| Core capital (leverage) ratio | 9.5241% | 4,135 |
| Tier 1 risk-based capital ratio | 13.5355% | 3,682 |
| Total risk-based capital ratio | 14.9329% | 3,521 |
| Memoranda: | ||
| Average total assets | $642,827,000 | 1,139 |
| Average earning assets | $578,324,750 | 1,157 |
| Average equity | $73,740,000 | 1,090 |
| Average total loans | $504,966,500 | 1,016 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 3,946 |
| Cost of funding earning assets | 0.4440% | 2,656 |
| Net interest margin | 3.3393% | 3,987 |
| Noninterest income to average assets | 0.9036% | 1,264 |
| Noninterest expense to average assets | 3.4483% | 1,081 |
| Loan and lease loss provision to assets | 0.2099% | 850 |
| Net operating income to assets | 0.2481% | 5,327 |
| Return on assets (ROA) | 0.4160% | 4,970 |
| Pretax return on assets | 0.4160% | 5,153 |
| Return on Equity (ROE) | 3.6613% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.6613% | 3,525 |
| Net charge-offs to loans | 0.0604% | 2,064 |
| Credit loss provision to net charge-offs | 444.0789% | 725 |
| Earnings coverage of net charge-offs (x) | 9.6908% | 2,408 |
| Efficiency ratio | 87.4632% | 580 |
| Assets per employee ($millions) | 4.0090% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,876 |
| Loan loss allowance to noncurrent loans | 85.1500% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 1,450 |
| Noncurrent loans to loans | 1.4363% | 1,326 |
| Net loans and leases to total assets | 78.3934% | 1,177 |
| Net loans and leases to deposits | 95.0219% | 1,174 |
| Net loans and leases to core deposits | 114.3102% | 787 |
| Total domestic deposits to total assets | 82.5003% | 3,725 |
| Equity capital to assets | 11.6263% | 2,210 |
| Core capital (leverage) ratio | 9.3549% | 4,283 |
| Tier 1 risk-based capital ratio | 13.0364% | 3,974 |
| Total risk-based capital ratio | 14.3839% | 3,832 |
| Memoranda: | ||
| Average total assets | $643,206,670 | 1,138 |
| Average earning assets | $578,379,330 | 1,162 |
| Average equity | $73,089,000 | 1,094 |
| Average total loans | $503,719,670 | 1,017 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 3,940 |
| Cost of funding earning assets | 0.4574% | 2,458 |
| Net interest margin | 3.2911% | 4,038 |
| Noninterest income to average assets | 0.8571% | 1,378 |
| Noninterest expense to average assets | 3.4760% | 1,076 |
| Loan and lease loss provision to assets | 0.2095% | 779 |
| Net operating income to assets | 0.1370% | 5,469 |
| Return on assets (ROA) | 0.3638% | 5,059 |
| Pretax return on assets | 0.3638% | 5,217 |
| Return on Equity (ROE) | 3.2362% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.2362% | 3,814 |
| Net charge-offs to loans | 0.0605% | 1,727 |
| Credit loss provision to net charge-offs | 444.7368% | 612 |
| Earnings coverage of net charge-offs (x) | 7.3553% | 2,142 |
| Efficiency ratio | 90.1102% | 553 |
| Assets per employee ($millions) | 4.0402% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,217 |
| Loan loss allowance to noncurrent loans | 106.0286% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 1,710 |
| Noncurrent loans to loans | 1.1192% | 1,825 |
| Net loans and leases to total assets | 77.3134% | 1,228 |
| Net loans and leases to deposits | 93.8739% | 1,118 |
| Net loans and leases to core deposits | 113.9638% | 677 |
| Total domestic deposits to total assets | 82.3588% | 4,070 |
| Equity capital to assets | 11.4464% | 2,220 |
| Core capital (leverage) ratio | 9.1809% | 4,507 |
| Tier 1 risk-based capital ratio | 12.8396% | 4,174 |
| Total risk-based capital ratio | 14.1562% | 4,041 |
| Memoranda: | ||
| Average total assets | $645,456,000 | 1,132 |
| Average earning assets | $581,568,500 | 1,158 |
| Average equity | $72,553,500 | 1,099 |
| Average total loans | $502,891,000 | 1,011 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 3,819 |
| Cost of funding earning assets | 0.4590% | 2,452 |
| Net interest margin | 3.3656% | 3,936 |
| Noninterest income to average assets | 1.0754% | 977 |
| Noninterest expense to average assets | 3.6059% | 1,007 |
| Loan and lease loss provision to assets | 0.2866% | 675 |
| Net operating income to assets | 0.2161% | 5,391 |
| Return on assets (ROA) | 0.3644% | 5,129 |
| Pretax return on assets | 0.3644% | 5,277 |
| Return on Equity (ROE) | 3.2244% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.2244% | 3,621 |
| Net charge-offs to loans | 0.1469% | 1,795 |
| Credit loss provision to net charge-offs | 253.8787% | 1,139 |
| Earnings coverage of net charge-offs (x) | 4.4528% | 3,500 |
| Efficiency ratio | 86.8028% | 761 |
| Assets per employee ($millions) | 4.2067% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,638 |
| Loan loss allowance to noncurrent loans | 81.8604% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 1,397 |
| Noncurrent loans to loans | 1.3594% | 1,507 |
| Net loans and leases to total assets | 76.8790% | 1,382 |
| Net loans and leases to deposits | 94.1097% | 1,185 |
| Net loans and leases to core deposits | 115.4114% | 641 |
| Total domestic deposits to total assets | 81.6909% | 4,152 |
| Equity capital to assets | 10.9575% | 2,659 |
| Core capital (leverage) ratio | 8.6489% | 5,119 |
| Tier 1 risk-based capital ratio | 13.0173% | 4,064 |
| Total risk-based capital ratio | 14.2770% | 3,964 |
| Memoranda: | ||
| Average total assets | $627,962,800 | 1,123 |
| Average earning assets | $565,969,400 | 1,147 |
| Average equity | $70,958,800 | 1,113 |
| Average total loans | $482,708,200 | 1,005 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 3,853 |
| Cost of funding earning assets | 0.4548% | 2,511 |
| Net interest margin | 3.3696% | 3,956 |
| Noninterest income to average assets | 1.0301% | 1,079 |
| Noninterest expense to average assets | 3.5100% | 1,133 |
| Loan and lease loss provision to assets | 0.2573% | 719 |
| Net operating income to assets | 0.2980% | 5,289 |
| Return on assets (ROA) | 0.5162% | 4,740 |
| Pretax return on assets | 0.5162% | 5,087 |
| Return on Equity (ROE) | 4.5324% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.5324% | 3,113 |
| Net charge-offs to loans | 0.1533% | 1,467 |
| Credit loss provision to net charge-offs | 218.9781% | 1,344 |
| Earnings coverage of net charge-offs (x) | 4.7263% | 3,235 |
| Efficiency ratio | 85.3610% | 873 |
| Assets per employee ($millions) | 4.3894% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,399 |
| Loan loss allowance to noncurrent loans | 76.1305% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2224% | 1,623 |
| Noncurrent loans to loans | 1.3155% | 1,686 |
| Net loans and leases to total assets | 77.5811% | 1,271 |
| Net loans and leases to deposits | 97.2654% | 929 |
| Net loans and leases to core deposits | 117.7930% | 581 |
| Total domestic deposits to total assets | 79.7623% | 4,566 |
| Equity capital to assets | 10.8814% | 3,159 |
| Core capital (leverage) ratio | 9.1056% | 4,711 |
| Tier 1 risk-based capital ratio | 12.5270% | 4,456 |
| Total risk-based capital ratio | 13.6821% | 4,415 |
| Memoranda: | ||
| Average total assets | $621,944,750 | 1,132 |
| Average earning assets | $560,212,250 | 1,155 |
| Average equity | $70,836,750 | 1,114 |
| Average total loans | $476,655,500 | 1,013 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,637 |
| Cost of funding earning assets | 0.4668% | 2,411 |
| Net interest margin | 3.4226% | 3,788 |
| Noninterest income to average assets | 0.9725% | 1,195 |
| Noninterest expense to average assets | 3.5816% | 1,032 |
| Loan and lease loss provision to assets | 0.1973% | 1,094 |
| Net operating income to assets | 0.2696% | 5,396 |
| Return on assets (ROA) | 0.4471% | 4,968 |
| Pretax return on assets | 0.4471% | 5,252 |
| Return on Equity (ROE) | 3.8632% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.8632% | 3,435 |
| Net charge-offs to loans | 0.1739% | 1,303 |
| Credit loss provision to net charge-offs | 149.2537% | 1,597 |
| Earnings coverage of net charge-offs (x) | 3.5323% | 3,091 |
| Efficiency ratio | 87.4614% | 757 |
| Assets per employee ($millions) | 3.8082% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,602 |
| Loan loss allowance to noncurrent loans | 78.5183% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0450% | 2,036 |
| Noncurrent loans to loans | 1.2518% | 1,834 |
| Net loans and leases to total assets | 77.5300% | 1,256 |
| Net loans and leases to deposits | 97.1112% | 956 |
| Net loans and leases to core deposits | 113.3530% | 752 |
| Total domestic deposits to total assets | 79.8363% | 4,586 |
| Equity capital to assets | 11.5502% | 2,494 |
| Core capital (leverage) ratio | 9.0308% | 4,791 |
| Tier 1 risk-based capital ratio | 13.0012% | 4,198 |
| Total risk-based capital ratio | 14.1146% | 4,191 |
| Memoranda: | ||
| Average total assets | $608,325,670 | 1,164 |
| Average earning assets | $546,716,670 | 1,187 |
| Average equity | $70,408,330 | 1,122 |
| Average total loans | $462,403,670 | 1,045 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 3,939 |
| Cost of funding earning assets | 0.4613% | 2,451 |
| Net interest margin | 3.3392% | 4,080 |
| Noninterest income to average assets | 0.8986% | 1,317 |
| Noninterest expense to average assets | 3.5647% | 1,075 |
| Loan and lease loss provision to assets | 0.1987% | 989 |
| Net operating income to assets | 0.1358% | 5,629 |
| Return on assets (ROA) | 0.3934% | 5,089 |
| Pretax return on assets | 0.3934% | 5,323 |
| Return on Equity (ROE) | 3.3950% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.3950% | 3,805 |
| Net charge-offs to loans | 0.1663% | 1,139 |
| Credit loss provision to net charge-offs | 159.5745% | 1,229 |
| Earnings coverage of net charge-offs (x) | 2.6862% | 2,649 |
| Efficiency ratio | 90.3702% | 653 |
| Assets per employee ($millions) | 3.6714% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,531 |
| Loan loss allowance to noncurrent loans | 71.6569% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 1,919 |
| Noncurrent loans to loans | 1.4144% | 1,691 |
| Net loans and leases to total assets | 75.6213% | 1,449 |
| Net loans and leases to deposits | 91.1734% | 1,443 |
| Net loans and leases to core deposits | 107.1269% | 1,011 |
| Total domestic deposits to total assets | 82.9424% | 3,921 |
| Equity capital to assets | 11.6916% | 2,251 |
| Core capital (leverage) ratio | 9.1315% | 4,689 |
| Tier 1 risk-based capital ratio | 13.2894% | 4,102 |
| Total risk-based capital ratio | 14.4205% | 4,080 |
| Memoranda: | ||
| Average total assets | $604,026,000 | 1,168 |
| Average earning assets | $542,758,000 | 1,199 |
| Average equity | $69,984,500 | 1,125 |
| Average total loans | $452,080,500 | 1,071 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 3,413 |
| Cost of funding earning assets | 0.4992% | 2,163 |
| Net interest margin | 3.4746% | 3,618 |
| Noninterest income to average assets | 1.0416% | 1,089 |
| Noninterest expense to average assets | 3.7790% | 887 |
| Loan and lease loss provision to assets | 0.2776% | 660 |
| Net operating income to assets | 0.0814% | 5,777 |
| Return on assets (ROA) | 0.2763% | 5,499 |
| Pretax return on assets | 0.2763% | 5,571 |
| Return on Equity (ROE) | 2.3631% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.3631% | 4,374 |
| Net charge-offs to loans | 0.3778% | 765 |
| Credit loss provision to net charge-offs | 101.0410% | 2,478 |
| Earnings coverage of net charge-offs (x) | 1.3068% | 4,110 |
| Efficiency ratio | 90.1321% | 683 |
| Assets per employee ($millions) | 3.5854% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 4,469 |
| Loan loss allowance to noncurrent loans | 77.1841% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 2,010 |
| Noncurrent loans to loans | 1.3272% | 1,776 |
| Net loans and leases to total assets | 72.5523% | 1,961 |
| Net loans and leases to deposits | 86.8792% | 2,019 |
| Net loans and leases to core deposits | 103.8846% | 1,229 |
| Total domestic deposits to total assets | 83.5095% | 3,670 |
| Equity capital to assets | 11.4818% | 2,376 |
| Core capital (leverage) ratio | 8.9741% | 4,913 |
| Tier 1 risk-based capital ratio | 13.4718% | 4,019 |
| Total risk-based capital ratio | 14.5964% | 4,030 |
| Memoranda: | ||
| Average total assets | $594,363,800 | 1,147 |
| Average earning assets | $529,666,400 | 1,189 |
| Average equity | $69,485,000 | 1,096 |
| Average total loans | $432,250,800 | 1,065 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,540 |
| Cost of funding earning assets | 0.5086% | 2,134 |
| Net interest margin | 3.4424% | 3,785 |
| Noninterest income to average assets | 1.0496% | 1,086 |
| Noninterest expense to average assets | 3.6735% | 1,018 |
| Loan and lease loss provision to assets | 0.1522% | 1,431 |
| Net operating income to assets | 0.2861% | 5,497 |
| Return on assets (ROA) | 0.5730% | 4,607 |
| Pretax return on assets | 0.5730% | 5,038 |
| Return on Equity (ROE) | 4.8792% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.8792% | 3,000 |
| Net charge-offs to loans | 0.2926% | 910 |
| Credit loss provision to net charge-offs | 71.6561% | 2,730 |
| Earnings coverage of net charge-offs (x) | 2.0637% | 3,736 |
| Efficiency ratio | 88.1360% | 832 |
| Assets per employee ($millions) | 3.4249% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 4,987 |
| Loan loss allowance to noncurrent loans | 57.9935% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 1,725 |
| Noncurrent loans to loans | 1.6344% | 1,510 |
| Net loans and leases to total assets | 74.3795% | 1,661 |
| Net loans and leases to deposits | 90.2475% | 1,612 |
| Net loans and leases to core deposits | 103.1672% | 1,293 |
| Total domestic deposits to total assets | 82.4172% | 4,016 |
| Equity capital to assets | 11.7048% | 2,349 |
| Core capital (leverage) ratio | 9.2086% | 4,716 |
| Tier 1 risk-based capital ratio | 12.3270% | 4,873 |
| Total risk-based capital ratio | 13.2832% | 4,978 |
| Memoranda: | ||
| Average total assets | $591,471,000 | 1,159 |
| Average earning assets | $526,137,250 | 1,204 |
| Average equity | $69,463,250 | 1,101 |
| Average total loans | $429,271,000 | 1,072 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 3,561 |
| Cost of funding earning assets | 0.5169% | 2,096 |
| Net interest margin | 3.4161% | 3,848 |
| Noninterest income to average assets | 1.0081% | 1,163 |
| Noninterest expense to average assets | 3.7871% | 883 |
| Loan and lease loss provision to assets | 0.1528% | 1,388 |
| Net operating income to assets | 0.1029% | 5,874 |
| Return on assets (ROA) | 0.4945% | 4,900 |
| Pretax return on assets | 0.4945% | 5,241 |
| Return on Equity (ROE) | 4.2061% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.2061% | 3,356 |
| Net charge-offs to loans | 0.2500% | 1,040 |
| Credit loss provision to net charge-offs | 85.2273% | 2,271 |
| Earnings coverage of net charge-offs (x) | 1.4261% | 3,515 |
| Efficiency ratio | 92.3129% | 623 |
| Assets per employee ($millions) | 3.3997% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 4,769 |
| Loan loss allowance to noncurrent loans | 53.7914% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.5416% | 1,584 |
| Noncurrent loans to loans | 1.8957% | 1,311 |
| Net loans and leases to total assets | 72.6836% | 1,867 |
| Net loans and leases to deposits | 89.7534% | 1,630 |
| Net loans and leases to core deposits | 101.8736% | 1,338 |
| Total domestic deposits to total assets | 80.9815% | 4,623 |
| Equity capital to assets | 11.6606% | 2,281 |
| Core capital (leverage) ratio | 9.3371% | 4,503 |
| Tier 1 risk-based capital ratio | 13.1048% | 4,458 |
| Total risk-based capital ratio | 14.1778% | 4,475 |
| Memoranda: | ||
| Average total assets | $588,841,330 | 1,168 |
| Average earning assets | $523,117,000 | 1,216 |
| Average equity | $69,233,000 | 1,107 |
| Average total loans | $422,339,000 | 1,086 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,403 |
| Cost of funding earning assets | 0.5183% | 2,124 |
| Net interest margin | 3.4356% | 3,685 |
| Noninterest income to average assets | 1.0222% | 1,069 |
| Noninterest expense to average assets | 3.8451% | 832 |
| Loan and lease loss provision to assets | 0.1536% | 1,325 |
| Net operating income to assets | 0.0696% | 5,926 |
| Return on assets (ROA) | 0.7218% | 3,819 |
| Pretax return on assets | 0.7218% | 4,532 |
| Return on Equity (ROE) | 6.1132% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.1132% | 2,427 |
| Net charge-offs to loans | 0.1446% | 1,374 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 2.1800% | 2,809 |
| Efficiency ratio | 93.0849% | 642 |
| Assets per employee ($millions) | 3.3965% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 4,435 |
| Loan loss allowance to noncurrent loans | 44.7813% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 1,192 |
| Noncurrent loans to loans | 2.4886% | 978 |
| Net loans and leases to total assets | 70.8113% | 2,016 |
| Net loans and leases to deposits | 86.4023% | 1,781 |
| Net loans and leases to core deposits | 96.4168% | 1,588 |
| Total domestic deposits to total assets | 81.9554% | 4,523 |
| Equity capital to assets | 12.0473% | 1,996 |
| Core capital (leverage) ratio | 9.1725% | 4,753 |
| Tier 1 risk-based capital ratio | 12.5376% | 4,881 |
| Total risk-based capital ratio | 13.6151% | 4,911 |
| Memoranda: | ||
| Average total assets | $585,786,500 | 1,173 |
| Average earning assets | $519,383,500 | 1,227 |
| Average equity | $69,162,000 | 1,115 |
| Average total loans | $415,065,000 | 1,104 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 3,317 |
| Cost of funding earning assets | 0.5803% | 1,948 |
| Net interest margin | 3.5228% | 3,706 |
| Noninterest income to average assets | 0.9654% | 1,305 |
| Noninterest expense to average assets | 3.7367% | 1,086 |
| Loan and lease loss provision to assets | 0.1036% | 2,426 |
| Net operating income to assets | 0.2193% | 5,729 |
| Return on assets (ROA) | 0.5050% | 4,876 |
| Pretax return on assets | 0.5366% | 5,154 |
| Return on Equity (ROE) | 4.3584% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.3584% | 3,079 |
| Net charge-offs to loans | 0.2336% | 1,807 |
| Credit loss provision to net charge-offs | 62.7615% | 3,240 |
| Earnings coverage of net charge-offs (x) | 2.0366% | 4,267 |
| Efficiency ratio | 90.3108% | 821 |
| Assets per employee ($millions) | 3.5579% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,599 |
| Loan loss allowance to noncurrent loans | 41.7211% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0079% | 1,270 |
| Noncurrent loans to loans | 2.6077% | 954 |
| Net loans and leases to total assets | 69.3610% | 2,330 |
| Net loans and leases to deposits | 83.9536% | 2,223 |
| Net loans and leases to core deposits | 95.0623% | 1,807 |
| Total domestic deposits to total assets | 82.6183% | 4,210 |
| Equity capital to assets | 11.5729% | 2,371 |
| Core capital (leverage) ratio | 8.8084% | 5,235 |
| Tier 1 risk-based capital ratio | 14.0178% | 4,079 |
| Total risk-based capital ratio | 15.2957% | 3,983 |
| Memoranda: | ||
| Average total assets | $579,019,800 | 1,138 |
| Average earning assets | $510,762,600 | 1,200 |
| Average equity | $67,089,600 | 1,104 |
| Average total loans | $409,192,000 | 1,072 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 3,339 |
| Cost of funding earning assets | 0.5930% | 1,899 |
| Net interest margin | 3.5157% | 3,768 |
| Noninterest income to average assets | 0.9876% | 1,259 |
| Noninterest expense to average assets | 3.6773% | 1,155 |
| Loan and lease loss provision to assets | 0.0522% | 3,332 |
| Net operating income to assets | 0.3305% | 5,490 |
| Return on assets (ROA) | 0.6117% | 4,480 |
| Pretax return on assets | 0.6687% | 4,809 |
| Return on Equity (ROE) | 5.2775% | 4,591 |
| Retained earnings to average equity (ytd only) | 5.2775% | 2,899 |
| Net charge-offs to loans | 0.2831% | 1,388 |
| Credit loss provision to net charge-offs | 26.0116% | 3,507 |
| Earnings coverage of net charge-offs (x) | 2.0543% | 4,003 |
| Efficiency ratio | 88.4877% | 961 |
| Assets per employee ($millions) | 3.4535% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,087 |
| Loan loss allowance to noncurrent loans | 39.0928% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0269% | 1,406 |
| Noncurrent loans to loans | 2.6301% | 1,093 |
| Net loans and leases to total assets | 69.2585% | 2,314 |
| Net loans and leases to deposits | 83.7984% | 2,186 |
| Net loans and leases to core deposits | 95.4046% | 1,725 |
| Total domestic deposits to total assets | 82.6489% | 4,251 |
| Equity capital to assets | 11.5390% | 2,443 |
| Core capital (leverage) ratio | 8.9785% | 5,103 |
| Tier 1 risk-based capital ratio | 13.8097% | 4,352 |
| Total risk-based capital ratio | 14.9823% | 4,332 |
| Memoranda: | ||
| Average total assets | $575,233,750 | 1,154 |
| Average earning assets | $507,467,500 | 1,221 |
| Average equity | $66,671,500 | 1,110 |
| Average total loans | $407,327,250 | 1,076 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 3,165 |
| Cost of funding earning assets | 0.6041% | 1,867 |
| Net interest margin | 3.5418% | 3,607 |
| Noninterest income to average assets | 0.8956% | 1,507 |
| Noninterest expense to average assets | 3.5852% | 1,321 |
| Loan and lease loss provision to assets | 0.0526% | 3,246 |
| Net operating income to assets | 0.3372% | 5,444 |
| Return on assets (ROA) | 0.6844% | 4,022 |
| Pretax return on assets | 0.7679% | 4,392 |
| Return on Equity (ROE) | 5.8960% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.8960% | 2,386 |
| Net charge-offs to loans | 0.3602% | 1,136 |
| Credit loss provision to net charge-offs | 20.5479% | 3,194 |
| Earnings coverage of net charge-offs (x) | 1.6808% | 3,742 |
| Efficiency ratio | 87.8047% | 1,105 |
| Assets per employee ($millions) | 3.3896% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 5,059 |
| Loan loss allowance to noncurrent loans | 48.6014% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7453% | 1,863 |
| Noncurrent loans to loans | 2.1859% | 1,501 |
| Net loans and leases to total assets | 69.6401% | 2,135 |
| Net loans and leases to deposits | 85.0213% | 1,926 |
| Net loans and leases to core deposits | 92.1693% | 1,928 |
| Total domestic deposits to total assets | 81.9090% | 4,674 |
| Equity capital to assets | 11.7170% | 2,229 |
| Core capital (leverage) ratio | 8.9462% | 5,099 |
| Tier 1 risk-based capital ratio | 13.7233% | 4,431 |
| Total risk-based capital ratio | 14.9298% | 4,417 |
| Memoranda: | ||
| Average total assets | $570,126,330 | 1,160 |
| Average earning assets | $502,224,330 | 1,228 |
| Average equity | $66,180,670 | 1,104 |
| Average total loans | $405,350,000 | 1,074 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 2,956 |
| Cost of funding earning assets | 0.6122% | 1,877 |
| Net interest margin | 3.5650% | 3,409 |
| Noninterest income to average assets | 0.8740% | 1,473 |
| Noninterest expense to average assets | 3.5057% | 1,475 |
| Loan and lease loss provision to assets | 0.0529% | 3,049 |
| Net operating income to assets | 0.3835% | 5,173 |
| Return on assets (ROA) | 0.8747% | 2,840 |
| Pretax return on assets | 1.0496% | 3,134 |
| Return on Equity (ROE) | 7.5711% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.5711% | 1,784 |
| Net charge-offs to loans | 0.3070% | 1,146 |
| Credit loss provision to net charge-offs | 24.1158% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.3280% | 2,902 |
| Efficiency ratio | 85.7921% | 1,476 |
| Assets per employee ($millions) | 3.3162% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 4,807 |
| Loan loss allowance to noncurrent loans | 50.8247% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 1,921 |
| Noncurrent loans to loans | 2.2898% | 1,561 |
| Net loans and leases to total assets | 70.0953% | 1,870 |
| Net loans and leases to deposits | 85.4148% | 1,676 |
| Net loans and leases to core deposits | 90.9066% | 1,835 |
| Total domestic deposits to total assets | 82.0646% | 4,924 |
| Equity capital to assets | 11.7180% | 2,091 |
| Core capital (leverage) ratio | 8.9201% | 5,116 |
| Tier 1 risk-based capital ratio | 13.4394% | 4,735 |
| Total risk-based capital ratio | 14.6911% | 4,667 |
| Memoranda: | ||
| Average total assets | $567,070,500 | 1,172 |
| Average earning assets | $499,859,500 | 1,239 |
| Average equity | $65,512,000 | 1,117 |
| Average total loans | $405,224,000 | 1,079 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 3,121 |
| Cost of funding earning assets | 0.8166% | 1,110 |
| Net interest margin | 3.4416% | 4,126 |
| Noninterest income to average assets | 1.2844% | 837 |
| Noninterest expense to average assets | 3.8099% | 1,118 |
| Loan and lease loss provision to assets | 0.1047% | 3,050 |
| Net operating income to assets | 0.3474% | 5,344 |
| Return on assets (ROA) | 0.5166% | 4,794 |
| Pretax return on assets | 0.6128% | 4,835 |
| Return on Equity (ROE) | 4.6225% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.6225% | 2,870 |
| Net charge-offs to loans | 0.2009% | 2,867 |
| Credit loss provision to net charge-offs | 71.5990% | 3,260 |
| Earnings coverage of net charge-offs (x) | 3.5286% | 3,829 |
| Efficiency ratio | 86.5239% | 1,365 |
| Assets per employee ($millions) | 3.2971% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 4,781 |
| Loan loss allowance to noncurrent loans | 63.8360% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5211% | 2,441 |
| Noncurrent loans to loans | 1.8411% | 2,184 |
| Net loans and leases to total assets | 71.1454% | 1,816 |
| Net loans and leases to deposits | 86.5914% | 1,619 |
| Net loans and leases to core deposits | 92.8542% | 1,691 |
| Total domestic deposits to total assets | 82.1622% | 4,815 |
| Equity capital to assets | 11.3894% | 2,245 |
| Core capital (leverage) ratio | 8.4351% | 5,737 |
| Tier 1 risk-based capital ratio | 13.0618% | 4,935 |
| Total risk-based capital ratio | 14.4304% | 4,804 |
| Memoranda: | ||
| Average total assets | $573,117,600 | 1,160 |
| Average earning assets | $506,485,400 | 1,200 |
| Average equity | $64,055,600 | 1,117 |
| Average total loans | $417,221,000 | 1,024 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 3,141 |
| Cost of funding earning assets | 0.8513% | 1,037 |
| Net interest margin | 3.4140% | 4,234 |
| Noninterest income to average assets | 1.3591% | 787 |
| Noninterest expense to average assets | 3.7675% | 1,128 |
| Loan and lease loss provision to assets | 0.1046% | 3,013 |
| Net operating income to assets | 0.3754% | 5,352 |
| Return on assets (ROA) | 0.5809% | 4,555 |
| Pretax return on assets | 0.7819% | 4,362 |
| Return on Equity (ROE) | 5.2222% | 4,612 |
| Retained earnings to average equity (ytd only) | 5.2222% | 2,916 |
| Net charge-offs to loans | 0.1273% | 3,254 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.5500% | 2,952 |
| Efficiency ratio | 84.5598% | 1,527 |
| Assets per employee ($millions) | 3.3047% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,776 |
| Loan loss allowance to noncurrent loans | 64.5952% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5675% | 2,583 |
| Noncurrent loans to loans | 1.8912% | 2,380 |
| Net loans and leases to total assets | 71.5011% | 1,678 |
| Net loans and leases to deposits | 88.3404% | 1,334 |
| Net loans and leases to core deposits | 94.7784% | 1,497 |
| Total domestic deposits to total assets | 80.9382% | 5,228 |
| Equity capital to assets | 11.1173% | 2,647 |
| Core capital (leverage) ratio | 8.3559% | 5,911 |
| Tier 1 risk-based capital ratio | 12.7312% | 5,306 |
| Total risk-based capital ratio | 14.0070% | 5,227 |
| Memoranda: | ||
| Average total assets | $573,799,250 | 1,170 |
| Average earning assets | $507,120,500 | 1,213 |
| Average equity | $63,828,500 | 1,140 |
| Average total loans | $418,868,000 | 1,020 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,086 |
| Cost of funding earning assets | 0.8778% | 998 |
| Net interest margin | 3.3896% | 4,228 |
| Noninterest income to average assets | 1.4650% | 736 |
| Noninterest expense to average assets | 3.7841% | 1,120 |
| Loan and lease loss provision to assets | 0.1048% | 3,039 |
| Net operating income to assets | 0.4169% | 5,153 |
| Return on assets (ROA) | 0.6266% | 4,329 |
| Pretax return on assets | 0.8580% | 4,081 |
| Return on Equity (ROE) | 5.6318% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.6318% | 2,655 |
| Net charge-offs to loans | 0.1303% | 3,069 |
| Credit loss provision to net charge-offs | 109.8901% | 2,013 |
| Earnings coverage of net charge-offs (x) | 7.0806% | 2,601 |
| Efficiency ratio | 83.3477% | 1,710 |
| Assets per employee ($millions) | 3.2139% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,987 |
| Loan loss allowance to noncurrent loans | 68.7973% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 2,928 |
| Noncurrent loans to loans | 1.7459% | 2,704 |
| Net loans and leases to total assets | 73.6119% | 1,312 |
| Net loans and leases to deposits | 92.4568% | 920 |
| Net loans and leases to core deposits | 98.9995% | 1,141 |
| Total domestic deposits to total assets | 79.6176% | 5,686 |
| Equity capital to assets | 11.1915% | 2,556 |
| Core capital (leverage) ratio | 8.4506% | 5,721 |
| Tier 1 risk-based capital ratio | 12.5752% | 5,449 |
| Total risk-based capital ratio | 13.8648% | 5,358 |
| Memoranda: | ||
| Average total assets | $572,294,330 | 1,174 |
| Average earning assets | $505,606,000 | 1,216 |
| Average equity | $63,673,670 | 1,149 |
| Average total loans | $418,952,330 | 1,018 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,891 |
| Cost of funding earning assets | 0.9004% | 982 |
| Net interest margin | 3.3990% | 4,120 |
| Noninterest income to average assets | 1.6585% | 565 |
| Noninterest expense to average assets | 3.7114% | 1,230 |
| Loan and lease loss provision to assets | 0.1045% | 2,939 |
| Net operating income to assets | 0.5962% | 4,238 |
| Return on assets (ROA) | 0.8752% | 2,929 |
| Pretax return on assets | 1.2425% | 2,427 |
| Return on Equity (ROE) | 7.8896% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.8896% | 1,787 |
| Net charge-offs to loans | 0.1383% | 2,577 |
| Credit loss provision to net charge-offs | 104.1667% | 1,769 |
| Earnings coverage of net charge-offs (x) | 9.4514% | 1,834 |
| Efficiency ratio | 78.2115% | 2,576 |
| Assets per employee ($millions) | 3.2281% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,022 |
| Loan loss allowance to noncurrent loans | 70.0180% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 3,121 |
| Noncurrent loans to loans | 1.7643% | 2,917 |
| Net loans and leases to total assets | 71.3463% | 1,465 |
| Net loans and leases to deposits | 88.5179% | 1,093 |
| Net loans and leases to core deposits | 95.2150% | 1,254 |
| Total domestic deposits to total assets | 80.6010% | 5,601 |
| Equity capital to assets | 11.3061% | 2,629 |
| Core capital (leverage) ratio | 8.3387% | 5,779 |
| Tier 1 risk-based capital ratio | 12.9555% | 5,257 |
| Total risk-based capital ratio | 14.2738% | 5,149 |
| Memoranda: | ||
| Average total assets | $574,012,000 | 1,181 |
| Average earning assets | $506,859,000 | 1,228 |
| Average equity | $63,678,500 | 1,162 |
| Average total loans | $416,509,000 | 1,027 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 2,596 |
| Cost of funding earning assets | 1.0006% | 1,357 |
| Net interest margin | 3.6988% | 3,649 |
| Noninterest income to average assets | 1.5351% | 667 |
| Noninterest expense to average assets | 3.8512% | 1,165 |
| Loan and lease loss provision to assets | 0.2450% | 2,697 |
| Net operating income to assets | 0.5527% | 4,464 |
| Return on assets (ROA) | 0.6010% | 4,494 |
| Pretax return on assets | 0.7536% | 4,466 |
| Return on Equity (ROE) | 5.6031% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.6031% | 2,313 |
| Net charge-offs to loans | 0.6513% | 1,808 |
| Credit loss provision to net charge-offs | 50.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.9146% | 4,462 |
| Efficiency ratio | 78.8087% | 2,308 |
| Assets per employee ($millions) | 3.3326% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,119 |
| Loan loss allowance to noncurrent loans | 78.3174% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 3,530 |
| Noncurrent loans to loans | 1.5301% | 3,312 |
| Net loans and leases to total assets | 72.0035% | 1,489 |
| Net loans and leases to deposits | 89.1762% | 1,147 |
| Net loans and leases to core deposits | 97.0876% | 1,217 |
| Total domestic deposits to total assets | 80.7430% | 5,471 |
| Equity capital to assets | 10.8854% | 3,081 |
| Core capital (leverage) ratio | 7.8668% | 6,302 |
| Tier 1 risk-based capital ratio | 12.0714% | 5,745 |
| Total risk-based capital ratio | 13.3590% | 5,678 |
| Memoranda: | ||
| Average total assets | $571,358,800 | 1,163 |
| Average earning assets | $502,707,000 | 1,206 |
| Average equity | $61,287,800 | 1,164 |
| Average total loans | $429,933,600 | 971 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 2,600 |
| Cost of funding earning assets | 1.0159% | 1,469 |
| Net interest margin | 3.7294% | 3,661 |
| Noninterest income to average assets | 1.3983% | 763 |
| Noninterest expense to average assets | 3.7969% | 1,214 |
| Loan and lease loss provision to assets | 0.1757% | 3,380 |
| Net operating income to assets | 0.5589% | 4,576 |
| Return on assets (ROA) | 0.6191% | 4,556 |
| Pretax return on assets | 0.7823% | 4,556 |
| Return on Equity (ROE) | 5.7931% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.7931% | 2,839 |
| Net charge-offs to loans | 0.0698% | 4,715 |
| Credit loss provision to net charge-offs | 331.8584% | 800 |
| Earnings coverage of net charge-offs (x) | 16.6590% | 1,676 |
| Efficiency ratio | 79.5094% | 2,168 |
| Assets per employee ($millions) | 3.3790% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 3,477 |
| Loan loss allowance to noncurrent loans | 92.2386% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4982% | 3,346 |
| Noncurrent loans to loans | 1.7464% | 3,161 |
| Net loans and leases to total assets | 73.8702% | 1,261 |
| Net loans and leases to deposits | 92.2908% | 944 |
| Net loans and leases to core deposits | 100.3994% | 1,094 |
| Total domestic deposits to total assets | 80.0407% | 5,641 |
| Equity capital to assets | 10.8312% | 3,464 |
| Core capital (leverage) ratio | 7.9076% | 6,395 |
| Tier 1 risk-based capital ratio | 11.5924% | 6,172 |
| Total risk-based capital ratio | 12.8849% | 6,123 |
| Memoranda: | ||
| Average total assets | $569,229,250 | 1,179 |
| Average earning assets | $500,694,750 | 1,227 |
| Average equity | $60,829,250 | 1,180 |
| Average total loans | $431,768,000 | 974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 2,699 |
| Cost of funding earning assets | 1.0327% | 1,562 |
| Net interest margin | 3.7223% | 3,715 |
| Noninterest income to average assets | 1.3214% | 812 |
| Noninterest expense to average assets | 3.8230% | 1,177 |
| Loan and lease loss provision to assets | 0.2119% | 2,955 |
| Net operating income to assets | 0.4679% | 4,963 |
| Return on assets (ROA) | 0.4863% | 5,134 |
| Pretax return on assets | 0.5784% | 5,212 |
| Return on Equity (ROE) | 4.5714% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.5714% | 3,562 |
| Net charge-offs to loans | -0.0418% | 6,619 |
| Credit loss provision to net charge-offs | -666.6667% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5798% | 1,951 |
| Assets per employee ($millions) | 3.2713% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 3,352 |
| Loan loss allowance to noncurrent loans | 93.2482% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5537% | 3,372 |
| Noncurrent loans to loans | 1.7921% | 3,230 |
| Net loans and leases to total assets | 73.9530% | 1,248 |
| Net loans and leases to deposits | 92.1547% | 935 |
| Net loans and leases to core deposits | 100.4805% | 1,065 |
| Total domestic deposits to total assets | 80.2488% | 5,677 |
| Equity capital to assets | 10.7309% | 3,418 |
| Core capital (leverage) ratio | 7.8102% | 6,443 |
| Tier 1 risk-based capital ratio | 11.3240% | 6,331 |
| Total risk-based capital ratio | 12.6229% | 6,270 |
| Memoranda: | ||
| Average total assets | $566,368,330 | 1,187 |
| Average earning assets | $497,540,000 | 1,239 |
| Average equity | $60,244,330 | 1,187 |
| Average total loans | $431,084,330 | 972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 2,608 |
| Cost of funding earning assets | 1.0411% | 1,741 |
| Net interest margin | 3.7661% | 3,535 |
| Noninterest income to average assets | 1.1350% | 1,091 |
| Noninterest expense to average assets | 3.7681% | 1,256 |
| Loan and lease loss provision to assets | 0.2124% | 2,831 |
| Net operating income to assets | 0.4065% | 5,225 |
| Return on assets (ROA) | 0.4446% | 5,252 |
| Pretax return on assets | 0.5126% | 5,387 |
| Return on Equity (ROE) | 4.1988% | 5,200 |
| Retained earnings to average equity (ytd only) | 4.1988% | 4,072 |
| Net charge-offs to loans | 0.1794% | 3,023 |
| Credit loss provision to net charge-offs | 154.6392% | 1,629 |
| Earnings coverage of net charge-offs (x) | 4.9588% | 2,470 |
| Efficiency ratio | 82.9567% | 1,809 |
| Assets per employee ($millions) | 3.2871% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 4,012 |
| Loan loss allowance to noncurrent loans | 59.8633% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.1041% | 2,774 |
| Noncurrent loans to loans | 2.5637% | 2,543 |
| Net loans and leases to total assets | 75.4331% | 866 |
| Net loans and leases to deposits | 93.7675% | 684 |
| Net loans and leases to core deposits | 101.0439% | 926 |
| Total domestic deposits to total assets | 80.4470% | 5,739 |
| Equity capital to assets | 10.7855% | 3,170 |
| Core capital (leverage) ratio | 7.6313% | 6,548 |
| Tier 1 risk-based capital ratio | 11.0997% | 6,495 |
| Total risk-based capital ratio | 12.4076% | 6,448 |
| Memoranda: | ||
| Average total assets | $564,949,500 | 1,197 |
| Average earning assets | $497,171,500 | 1,236 |
| Average equity | $59,826,000 | 1,190 |
| Average total loans | $432,577,000 | 965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 2,420 |
| Cost of funding earning assets | 1.1614% | 2,277 |
| Net interest margin | 3.9467% | 3,125 |
| Noninterest income to average assets | 1.1093% | 1,079 |
| Noninterest expense to average assets | 3.6534% | 1,629 |
| Loan and lease loss provision to assets | 1.5130% | 485 |
| Net operating income to assets | -0.3078% | 6,350 |
| Return on assets (ROA) | -0.2240% | 6,346 |
| Pretax return on assets | -0.4918% | 6,490 |
| Return on Equity (ROE) | -2.1134% | 6,346 |
| Retained earnings to average equity (ytd only) | -2.1134% | 6,170 |
| Net charge-offs to loans | 1.6685% | 930 |
| Credit loss provision to net charge-offs | 116.5485% | 2,776 |
| Earnings coverage of net charge-offs (x) | 0.6858% | 5,299 |
| Efficiency ratio | 78.4827% | 2,526 |
| Assets per employee ($millions) | 3.3011% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 4,116 |
| Loan loss allowance to noncurrent loans | 50.9418% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.4488% | 2,488 |
| Noncurrent loans to loans | 2.9033% | 2,250 |
| Net loans and leases to total assets | 75.3985% | 1,034 |
| Net loans and leases to deposits | 93.5190% | 848 |
| Net loans and leases to core deposits | 100.9774% | 1,092 |
| Total domestic deposits to total assets | 80.6238% | 5,555 |
| Equity capital to assets | 10.3980% | 3,659 |
| Core capital (leverage) ratio | 7.2992% | 6,747 |
| Tier 1 risk-based capital ratio | 10.9270% | 6,490 |
| Total risk-based capital ratio | 12.1745% | 6,474 |
| Memoranda: | ||
| Average total assets | $565,116,200 | 1,169 |
| Average earning assets | $491,751,400 | 1,235 |
| Average equity | $59,903,000 | 1,124 |
| Average total loans | $439,675,400 | 948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 2,336 |
| Cost of funding earning assets | 1.1780% | 2,459 |
| Net interest margin | 3.9838% | 2,986 |
| Noninterest income to average assets | 1.0747% | 1,163 |
| Noninterest expense to average assets | 3.7163% | 1,463 |
| Loan and lease loss provision to assets | 1.3957% | 523 |
| Net operating income to assets | -0.2865% | 6,471 |
| Return on assets (ROA) | -0.2482% | 6,507 |
| Pretax return on assets | -0.5183% | 6,633 |
| Return on Equity (ROE) | -2.3298% | 6,507 |
| Retained earnings to average equity (ytd only) | -2.3298% | 6,336 |
| Net charge-offs to loans | 0.6156% | 2,405 |
| Credit loss provision to net charge-offs | 290.2115% | 989 |
| Earnings coverage of net charge-offs (x) | 1.6999% | 4,383 |
| Efficiency ratio | 80.0323% | 2,252 |
| Assets per employee ($millions) | 3.3785% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0472% | 2,215 |
| Loan loss allowance to noncurrent loans | 54.0683% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 3.0618% | 2,092 |
| Noncurrent loans to loans | 3.7863% | 1,785 |
| Net loans and leases to total assets | 75.5057% | 1,057 |
| Net loans and leases to deposits | 93.5968% | 873 |
| Net loans and leases to core deposits | 103.2400% | 1,020 |
| Total domestic deposits to total assets | 80.6713% | 5,542 |
| Equity capital to assets | 10.2717% | 4,000 |
| Core capital (leverage) ratio | 7.5788% | 6,714 |
| Tier 1 risk-based capital ratio | 10.9564% | 6,568 |
| Total risk-based capital ratio | 12.2227% | 6,534 |
| Memoranda: | ||
| Average total assets | $563,622,500 | 1,185 |
| Average earning assets | $489,405,000 | 1,246 |
| Average equity | $60,033,250 | 1,126 |
| Average total loans | $440,329,750 | 960 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 1,879 |
| Cost of funding earning assets | 1.2067% | 2,533 |
| Net interest margin | 4.0965% | 2,422 |
| Noninterest income to average assets | 1.1043% | 1,063 |
| Noninterest expense to average assets | 3.7698% | 1,397 |
| Loan and lease loss provision to assets | 2.0039% | 306 |
| Net operating income to assets | -0.6558% | 6,793 |
| Return on assets (ROA) | -0.6162% | 6,781 |
| Pretax return on assets | -1.0688% | 6,918 |
| Return on Equity (ROE) | -5.7149% | 6,761 |
| Retained earnings to average equity (ytd only) | -5.7149% | 6,632 |
| Net charge-offs to loans | 0.8895% | 1,745 |
| Credit loss provision to net charge-offs | 287.0323% | 1,062 |
| Earnings coverage of net charge-offs (x) | 1.2506% | 4,352 |
| Efficiency ratio | 79.2909% | 2,506 |
| Assets per employee ($millions) | 3.1012% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 2,235 |
| Loan loss allowance to noncurrent loans | 49.9944% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 3.3709% | 1,957 |
| Noncurrent loans to loans | 4.0995% | 1,679 |
| Net loans and leases to total assets | 77.0451% | 908 |
| Net loans and leases to deposits | 96.4637% | 694 |
| Net loans and leases to core deposits | 103.3222% | 1,088 |
| Total domestic deposits to total assets | 79.8695% | 5,856 |
| Equity capital to assets | 10.6996% | 3,289 |
| Core capital (leverage) ratio | 7.5692% | 6,697 |
| Tier 1 risk-based capital ratio | 10.9957% | 6,534 |
| Total risk-based capital ratio | 12.3300% | 6,450 |
| Memoranda: | ||
| Average total assets | $558,919,670 | 1,203 |
| Average earning assets | $482,797,000 | 1,269 |
| Average equity | $60,263,330 | 1,111 |
| Average total loans | $438,660,670 | 980 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 2,160 |
| Cost of funding earning assets | 1.2081% | 2,768 |
| Net interest margin | 4.0114% | 2,639 |
| Noninterest income to average assets | 1.2597% | 799 |
| Noninterest expense to average assets | 3.6972% | 1,538 |
| Loan and lease loss provision to assets | 0.2134% | 3,517 |
| Net operating income to assets | 0.6156% | 3,963 |
| Return on assets (ROA) | 0.6729% | 3,714 |
| Pretax return on assets | 0.8820% | 3,571 |
| Return on Equity (ROE) | 6.2172% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.2172% | 2,514 |
| Net charge-offs to loans | 0.0971% | 3,971 |
| Credit loss provision to net charge-offs | 280.3738% | 1,133 |
| Earnings coverage of net charge-offs (x) | 13.4019% | 1,438 |
| Efficiency ratio | 76.5078% | 3,070 |
| Assets per employee ($millions) | 3.1261% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,303 |
| Loan loss allowance to noncurrent loans | 79.1134% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 4,142 |
| Noncurrent loans to loans | 1.6033% | 4,079 |
| Net loans and leases to total assets | 77.4420% | 811 |
| Net loans and leases to deposits | 97.5458% | 595 |
| Net loans and leases to core deposits | 102.4244% | 1,168 |
| Total domestic deposits to total assets | 79.3903% | 6,088 |
| Equity capital to assets | 11.2265% | 2,483 |
| Core capital (leverage) ratio | 7.9500% | 6,306 |
| Tier 1 risk-based capital ratio | 11.4806% | 6,119 |
| Total risk-based capital ratio | 12.8247% | 6,032 |
| Memoranda: | ||
| Average total assets | $562,373,000 | 1,200 |
| Average earning assets | $484,715,500 | 1,273 |
| Average equity | $60,863,500 | 1,099 |
| Average total loans | $440,892,000 | 992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 2,133 |
| Cost of funding earning assets | 1.3893% | 3,341 |
| Net interest margin | 4.1478% | 2,376 |
| Noninterest income to average assets | 1.1434% | 1,131 |
| Noninterest expense to average assets | 3.6228% | 1,870 |
| Loan and lease loss provision to assets | 0.2141% | 5,110 |
| Net operating income to assets | 0.6923% | 3,260 |
| Return on assets (ROA) | 0.6991% | 3,359 |
| Pretax return on assets | 0.9202% | 3,198 |
| Return on Equity (ROE) | 6.7301% | 3,249 |
| Retained earnings to average equity (ytd only) | 6.7301% | 1,441 |
| Net charge-offs to loans | 0.2583% | 4,745 |
| Credit loss provision to net charge-offs | 104.7120% | 4,288 |
| Earnings coverage of net charge-offs (x) | 5.5052% | 2,607 |
| Efficiency ratio | 74.1350% | 3,369 |
| Assets per employee ($millions) | 3.3392% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,695 |
| Loan loss allowance to noncurrent loans | 99.6772% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 4,856 |
| Noncurrent loans to loans | 1.1635% | 4,778 |
| Net loans and leases to total assets | 77.4533% | 1,023 |
| Net loans and leases to deposits | 97.0943% | 778 |
| Net loans and leases to core deposits | 106.9478% | 1,129 |
| Total domestic deposits to total assets | 79.7713% | 5,893 |
| Equity capital to assets | 10.4402% | 3,230 |
| Core capital (leverage) ratio | 7.3822% | 6,799 |
| Tier 1 risk-based capital ratio | 10.9093% | 6,401 |
| Total risk-based capital ratio | 12.2316% | 6,312 |
| Memoranda: | ||
| Average total assets | $560,610,400 | 1,196 |
| Average earning assets | $487,223,600 | 1,265 |
| Average equity | $58,230,600 | 1,142 |
| Average total loans | $443,696,400 | 1,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 1,964 |
| Cost of funding earning assets | 1.4056% | 3,549 |
| Net interest margin | 4.2199% | 2,150 |
| Noninterest income to average assets | 1.0461% | 1,317 |
| Noninterest expense to average assets | 3.6425% | 1,689 |
| Loan and lease loss provision to assets | 0.2157% | 4,907 |
| Net operating income to assets | 0.6664% | 3,563 |
| Return on assets (ROA) | 0.6775% | 3,674 |
| Pretax return on assets | 0.8824% | 3,619 |
| Return on Equity (ROE) | 6.5313% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.5313% | 2,073 |
| Net charge-offs to loans | 0.2295% | 4,559 |
| Credit loss provision to net charge-offs | 118.4211% | 3,501 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,628 |
| Efficiency ratio | 74.9759% | 3,150 |
| Assets per employee ($millions) | 3.3486% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,724 |
| Loan loss allowance to noncurrent loans | 100.6792% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 4,923 |
| Noncurrent loans to loans | 1.1387% | 4,961 |
| Net loans and leases to total assets | 79.8891% | 770 |
| Net loans and leases to deposits | 99.7366% | 678 |
| Net loans and leases to core deposits | 108.6931% | 1,110 |
| Total domestic deposits to total assets | 80.1000% | 5,673 |
| Equity capital to assets | 10.3318% | 3,725 |
| Core capital (leverage) ratio | 7.6835% | 6,694 |
| Tier 1 risk-based capital ratio | 10.5242% | 6,758 |
| Total risk-based capital ratio | 11.8241% | 6,707 |
| Memoranda: | ||
| Average total assets | $556,344,750 | 1,215 |
| Average earning assets | $485,175,750 | 1,285 |
| Average equity | $57,710,750 | 1,154 |
| Average total loans | $441,451,250 | 1,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 2,054 |
| Cost of funding earning assets | 1.4391% | 3,617 |
| Net interest margin | 4.1839% | 2,205 |
| Noninterest income to average assets | 0.9527% | 1,509 |
| Noninterest expense to average assets | 3.6405% | 1,682 |
| Loan and lease loss provision to assets | 0.2183% | 4,706 |
| Net operating income to assets | 0.5784% | 3,960 |
| Return on assets (ROA) | 0.5882% | 4,067 |
| Pretax return on assets | 0.7432% | 4,091 |
| Return on Equity (ROE) | 5.6625% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.6625% | 2,518 |
| Net charge-offs to loans | 0.2482% | 4,102 |
| Credit loss provision to net charge-offs | 111.5242% | 3,634 |
| Earnings coverage of net charge-offs (x) | 4.8494% | 2,824 |
| Efficiency ratio | 77.1340% | 2,874 |
| Assets per employee ($millions) | 3.1213% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,533 |
| Loan loss allowance to noncurrent loans | 110.9774% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 5,072 |
| Noncurrent loans to loans | 1.0675% | 5,180 |
| Net loans and leases to total assets | 79.3714% | 895 |
| Net loans and leases to deposits | 100.5245% | 678 |
| Net loans and leases to core deposits | 105.7634% | 1,470 |
| Total domestic deposits to total assets | 78.9573% | 6,052 |
| Equity capital to assets | 10.5190% | 3,386 |
| Core capital (leverage) ratio | 7.3735% | 6,939 |
| Tier 1 risk-based capital ratio | 10.5356% | 6,656 |
| Total risk-based capital ratio | 11.8002% | 6,641 |
| Memoranda: | ||
| Average total assets | $549,809,330 | 1,234 |
| Average earning assets | $477,931,000 | 1,299 |
| Average equity | $57,112,330 | 1,157 |
| Average total loans | $433,449,000 | 1,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 2,349 |
| Cost of funding earning assets | 1.4536% | 3,846 |
| Net interest margin | 4.1001% | 2,441 |
| Noninterest income to average assets | 0.9787% | 1,366 |
| Noninterest expense to average assets | 3.6764% | 1,556 |
| Loan and lease loss provision to assets | 0.2188% | 4,310 |
| Net operating income to assets | 0.5105% | 4,344 |
| Return on assets (ROA) | 0.5200% | 4,429 |
| Pretax return on assets | 0.6396% | 4,453 |
| Return on Equity (ROE) | 5.0379% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.0379% | 3,137 |
| Net charge-offs to loans | 0.2494% | 3,448 |
| Credit loss provision to net charge-offs | 112.3596% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.3483% | 2,650 |
| Efficiency ratio | 79.0551% | 2,712 |
| Assets per employee ($millions) | 3.0881% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 5,364 |
| Loan loss allowance to noncurrent loans | 90.3577% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 4,550 |
| Noncurrent loans to loans | 1.3558% | 4,708 |
| Net loans and leases to total assets | 77.5687% | 1,227 |
| Net loans and leases to deposits | 97.0688% | 992 |
| Net loans and leases to core deposits | 101.0525% | 2,024 |
| Total domestic deposits to total assets | 79.9111% | 5,811 |
| Equity capital to assets | 10.5096% | 3,237 |
| Core capital (leverage) ratio | 7.2924% | 7,036 |
| Tier 1 risk-based capital ratio | 10.3551% | 6,753 |
| Total risk-based capital ratio | 11.6522% | 6,713 |
| Memoranda: | ||
| Average total assets | $548,475,500 | 1,273 |
| Average earning assets | $474,134,500 | 1,344 |
| Average equity | $56,611,000 | 1,172 |
| Average total loans | $428,290,500 | 1,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0221% | 1,779 |
| Cost of funding earning assets | 1.8921% | 3,502 |
| Net interest margin | 4.1301% | 2,316 |
| Noninterest income to average assets | 1.2011% | 1,068 |
| Noninterest expense to average assets | 3.8012% | 1,692 |
| Loan and lease loss provision to assets | 0.3256% | 4,864 |
| Net operating income to assets | 0.5682% | 3,451 |
| Return on assets (ROA) | 0.5971% | 3,420 |
| Pretax return on assets | 0.6877% | 3,612 |
| Return on Equity (ROE) | 6.0733% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.0733% | 1,324 |
| Net charge-offs to loans | 0.4373% | 4,048 |
| Credit loss provision to net charge-offs | 94.2408% | 5,839 |
| Earnings coverage of net charge-offs (x) | 2.8366% | 3,670 |
| Efficiency ratio | 76.9106% | 3,372 |
| Assets per employee ($millions) | 3.1092% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,303 |
| Loan loss allowance to noncurrent loans | 79.6322% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.4307% | 4,270 |
| Noncurrent loans to loans | 1.5183% | 4,377 |
| Net loans and leases to total assets | 76.7132% | 1,644 |
| Net loans and leases to deposits | 96.3405% | 1,293 |
| Net loans and leases to core deposits | 108.7676% | 3,028 |
| Total domestic deposits to total assets | 79.6271% | 5,804 |
| Equity capital to assets | 10.1368% | 3,577 |
| Core capital (leverage) ratio | 6.8325% | 7,352 |
| Tier 1 risk-based capital ratio | 10.0979% | 6,790 |
| Total risk-based capital ratio | 11.3831% | 6,725 |
| Memoranda: | ||
| Average total assets | $552,818,400 | 1,256 |
| Average earning assets | $479,215,200 | 1,317 |
| Average equity | $54,352,400 | 1,213 |
| Average total loans | $436,766,000 | 1,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 1,857 |
| Cost of funding earning assets | 1.9924% | 3,396 |
| Net interest margin | 4.0531% | 2,583 |
| Noninterest income to average assets | 1.2641% | 964 |
| Noninterest expense to average assets | 3.7312% | 1,748 |
| Loan and lease loss provision to assets | 0.2714% | 4,796 |
| Net operating income to assets | 0.6314% | 3,490 |
| Return on assets (ROA) | 0.6830% | 3,321 |
| Pretax return on assets | 0.8502% | 3,377 |
| Return on Equity (ROE) | 7.0009% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.0009% | 1,509 |
| Net charge-offs to loans | 0.3661% | 3,819 |
| Credit loss provision to net charge-offs | 93.4385% | 5,394 |
| Earnings coverage of net charge-offs (x) | 3.6395% | 3,442 |
| Efficiency ratio | 75.3376% | 3,630 |
| Assets per employee ($millions) | 3.2000% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 5,137 |
| Loan loss allowance to noncurrent loans | 77.3225% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4398% | 4,230 |
| Noncurrent loans to loans | 1.5470% | 4,321 |
| Net loans and leases to total assets | 77.0967% | 1,769 |
| Net loans and leases to deposits | 96.8885% | 1,461 |
| Net loans and leases to core deposits | 109.5633% | 3,286 |
| Total domestic deposits to total assets | 79.5726% | 5,599 |
| Equity capital to assets | 9.9542% | 4,148 |
| Core capital (leverage) ratio | 6.8819% | 7,502 |
| Tier 1 risk-based capital ratio | 9.7117% | 7,229 |
| Total risk-based capital ratio | 10.9652% | 7,184 |
| Memoranda: | ||
| Average total assets | $552,663,750 | 1,263 |
| Average earning assets | $480,544,000 | 1,332 |
| Average equity | $53,915,250 | 1,242 |
| Average total loans | $438,518,750 | 1,116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1257% | 1,707 |
| Cost of funding earning assets | 2.0959% | 3,291 |
| Net interest margin | 4.0298% | 2,582 |
| Noninterest income to average assets | 1.3068% | 897 |
| Noninterest expense to average assets | 3.7552% | 1,734 |
| Loan and lease loss provision to assets | 0.2726% | 4,395 |
| Net operating income to assets | 0.6186% | 3,601 |
| Return on assets (ROA) | 0.6943% | 3,390 |
| Pretax return on assets | 0.8913% | 3,375 |
| Return on Equity (ROE) | 7.1662% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.1662% | 1,519 |
| Net charge-offs to loans | 0.5002% | 2,831 |
| Credit loss provision to net charge-offs | 68.3060% | 5,450 |
| Earnings coverage of net charge-offs (x) | 2.6730% | 3,741 |
| Efficiency ratio | 75.2978% | 3,827 |
| Assets per employee ($millions) | 3.0017% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,515 |
| Loan loss allowance to noncurrent loans | 73.7249% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 4,184 |
| Noncurrent loans to loans | 1.5079% | 4,232 |
| Net loans and leases to total assets | 80.2880% | 1,261 |
| Net loans and leases to deposits | 100.8749% | 1,185 |
| Net loans and leases to core deposits | 114.4483% | 2,861 |
| Total domestic deposits to total assets | 79.5917% | 5,598 |
| Equity capital to assets | 9.8775% | 4,113 |
| Core capital (leverage) ratio | 6.7805% | 7,668 |
| Tier 1 risk-based capital ratio | 9.0037% | 7,694 |
| Total risk-based capital ratio | 10.2234% | 7,730 |
| Memoranda: | ||
| Average total assets | $550,217,330 | 1,286 |
| Average earning assets | $479,980,000 | 1,346 |
| Average equity | $53,305,670 | 1,270 |
| Average total loans | $439,034,670 | 1,139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1975% | 1,610 |
| Cost of funding earning assets | 2.2070% | 3,131 |
| Net interest margin | 3.9906% | 2,683 |
| Noninterest income to average assets | 1.3133% | 827 |
| Noninterest expense to average assets | 3.6124% | 1,840 |
| Loan and lease loss provision to assets | 0.1634% | 4,839 |
| Net operating income to assets | 0.7752% | 3,236 |
| Return on assets (ROA) | 0.9240% | 2,736 |
| Pretax return on assets | 1.1956% | 2,645 |
| Return on Equity (ROE) | 9.6311% | 2,482 |
| Retained earnings to average equity (ytd only) | 9.6311% | 1,302 |
| Net charge-offs to loans | 0.2443% | 3,178 |
| Credit loss provision to net charge-offs | 84.5865% | 4,117 |
| Earnings coverage of net charge-offs (x) | 6.0338% | 2,558 |
| Efficiency ratio | 73.0009% | 4,006 |
| Assets per employee ($millions) | 3.0169% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 4,773 |
| Loan loss allowance to noncurrent loans | 63.1598% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 3,622 |
| Noncurrent loans to loans | 1.9077% | 3,400 |
| Net loans and leases to total assets | 79.0579% | 1,570 |
| Net loans and leases to deposits | 99.2827% | 1,500 |
| Net loans and leases to core deposits | 113.3702% | 3,069 |
| Total domestic deposits to total assets | 79.6291% | 5,497 |
| Equity capital to assets | 9.7567% | 4,299 |
| Core capital (leverage) ratio | 6.7772% | 7,774 |
| Tier 1 risk-based capital ratio | 9.1725% | 7,690 |
| Total risk-based capital ratio | 10.4234% | 7,685 |
| Memoranda: | ||
| Average total assets | $550,666,000 | 1,288 |
| Average earning assets | $478,125,500 | 1,354 |
| Average equity | $52,829,000 | 1,288 |
| Average total loans | $435,554,000 | 1,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5691% | 2,628 |
| Cost of funding earning assets | 2.6993% | 3,161 |
| Net interest margin | 3.8697% | 3,707 |
| Noninterest income to average assets | 0.8934% | 1,984 |
| Noninterest expense to average assets | 3.6299% | 2,081 |
| Loan and lease loss provision to assets | 0.1325% | 5,667 |
| Net operating income to assets | 0.4666% | 4,882 |
| Return on assets (ROA) | -0.1929% | 6,462 |
| Pretax return on assets | -0.4632% | 6,623 |
| Return on Equity (ROE) | -1.9222% | 6,490 |
| Retained earnings to average equity (ytd only) | -1.9222% | 5,850 |
| Net charge-offs to loans | 0.2489% | 3,785 |
| Credit loss provision to net charge-offs | 68.7623% | 6,090 |
| Earnings coverage of net charge-offs (x) | 3.6316% | 4,280 |
| Efficiency ratio | 80.8306% | 2,481 |
| Assets per employee ($millions) | 2.9535% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 4,360 |
| Loan loss allowance to noncurrent loans | 93.5472% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 4,275 |
| Noncurrent loans to loans | 1.3065% | 3,896 |
| Net loans and leases to total assets | 77.2294% | 2,323 |
| Net loans and leases to deposits | 97.7272% | 2,165 |
| Net loans and leases to core deposits | 111.3330% | 3,633 |
| Total domestic deposits to total assets | 79.0255% | 5,369 |
| Equity capital to assets | 9.4333% | 4,783 |
| Core capital (leverage) ratio | 6.3228% | 7,983 |
| Tier 1 risk-based capital ratio | 8.7822% | 7,919 |
| Total risk-based capital ratio | 10.0331% | 7,983 |
| Memoranda: | ||
| Average total assets | $528,337,200 | 1,283 |
| Average earning assets | $469,153,800 | 1,322 |
| Average equity | $53,011,600 | 1,274 |
| Average total loans | $409,071,000 | 1,176 |