Home > Pentucket Bank > Performance and Condition Ratios
Pentucket 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 | 4.2965% | 3,448 |
| Cost of funding earning assets | 1.4950% | 1,957 |
| Net interest margin | 2.8014% | 3,657 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2295% | 3,046 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.4802% | 3,708 |
| Return on assets (ROA) | 0.5629% | 3,520 |
| Pretax return on assets | 0.7167% | 3,402 |
| Return on Equity (ROE) | 5.3600% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.3608% | 2,461 |
| Net charge-offs to loans | -0.0158% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.5871% | 1,290 |
| Assets per employee ($millions) | 9.4121% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 3,700 |
| Loan loss allowance to noncurrent loans | 353.8238% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,207 |
| Noncurrent loans to loans | 0.2554% | 2,270 |
| Net loans and leases to total assets | 78.8600% | 776 |
| Net loans and leases to deposits | 97.4540% | 682 |
| Net loans and leases to core deposits | 114.6857% | 791 |
| Total domestic deposits to total assets | 80.9200% | 3,320 |
| Equity capital to assets | 10.2232% | 1,884 |
| Core capital (leverage) ratio | 11.6565% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $973,105,600 | 1,008 |
| Average earning assets | $906,926,200 | 990 |
| Average equity | $102,185,600 | 925 |
| Average total loans | $759,811,800 | 899 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,459 |
| Cost of funding earning assets | 1.3439% | 2,017 |
| Net interest margin | 2.8587% | 3,621 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.5147% | 2,187 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3509% | 4,046 |
| Return on assets (ROA) | 0.2674% | 4,155 |
| Pretax return on assets | 0.3163% | 4,155 |
| Return on Equity (ROE) | 2.5300% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.5290% | 3,629 |
| Net charge-offs to loans | -0.0225% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.9144% | 623 |
| Assets per employee ($millions) | 9.0394% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 3,835 |
| Loan loss allowance to noncurrent loans | 994.9405% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,144 |
| Noncurrent loans to loans | 0.0870% | 3,149 |
| Net loans and leases to total assets | 79.1800% | 745 |
| Net loans and leases to deposits | 92.0053% | 1,048 |
| Net loans and leases to core deposits | 107.6308% | 952 |
| Total domestic deposits to total assets | 86.0600% | 2,172 |
| Equity capital to assets | 10.2471% | 1,671 |
| Core capital (leverage) ratio | 12.0010% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $962,256,000 | 1,018 |
| Average earning assets | $896,794,500 | 1,010 |
| Average equity | $101,752,250 | 931 |
| Average total loans | $747,523,500 | 913 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,481 |
| Cost of funding earning assets | 1.1836% | 2,039 |
| Net interest margin | 2.9186% | 3,611 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.5623% | 2,029 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.3508% | 4,090 |
| Return on assets (ROA) | 0.3621% | 4,090 |
| Pretax return on assets | 0.4374% | 4,063 |
| Return on Equity (ROE) | 3.3900% | 4,109 |
| Retained earnings to average equity (ytd only) | 3.3888% | 3,378 |
| Net charge-offs to loans | 0.0081% | 1,910 |
| Credit loss provision to net charge-offs | 700.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 79.1000% | 1,056 |
| Efficiency ratio | 83.8351% | 606 |
| Assets per employee ($millions) | 8.2067% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 3,904 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,202 |
| Noncurrent loans to loans | 0.0733% | 3,167 |
| Net loans and leases to total assets | 76.8000% | 964 |
| Net loans and leases to deposits | 91.3054% | 1,078 |
| Net loans and leases to core deposits | 105.5105% | 1,002 |
| Total domestic deposits to total assets | 84.1200% | 2,796 |
| Equity capital to assets | 10.6590% | 1,523 |
| Core capital (leverage) ratio | 12.1054% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $960,602,667 | 1,013 |
| Average earning assets | $895,369,667 | 1,000 |
| Average equity | $102,632,333 | 921 |
| Average total loans | $739,182,667 | 905 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,472 |
| Cost of funding earning assets | 1.0194% | 1,983 |
| Net interest margin | 2.9707% | 3,657 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.6478% | 1,815 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.3359% | 4,194 |
| Return on assets (ROA) | 0.2199% | 4,297 |
| Pretax return on assets | 0.2341% | 4,307 |
| Return on Equity (ROE) | 2.0600% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.0559% | 3,695 |
| Net charge-offs to loans | 0.0185% | 1,310 |
| Credit loss provision to net charge-offs | 264.7059% | 734 |
| Earnings coverage of net charge-offs (x) | 31.5294% | 1,282 |
| Efficiency ratio | 85.5233% | 528 |
| Assets per employee ($millions) | 8.9655% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 4,012 |
| Loan loss allowance to noncurrent loans | 935.1271% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,109 |
| Noncurrent loans to loans | 0.0897% | 3,100 |
| Net loans and leases to total assets | 76.3700% | 940 |
| Net loans and leases to deposits | 91.2813% | 961 |
| Net loans and leases to core deposits | 103.2513% | 954 |
| Total domestic deposits to total assets | 83.6600% | 3,165 |
| Equity capital to assets | 10.6839% | 1,465 |
| Core capital (leverage) ratio | 12.0924% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $956,707,500 | 1,032 |
| Average earning assets | $891,518,000 | 1,019 |
| Average equity | $102,338,000 | 930 |
| Average total loans | $733,710,000 | 926 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 3,027 |
| Cost of funding earning assets | 0.3562% | 2,430 |
| Net interest margin | 3.1635% | 2,973 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.5973% | 1,830 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.5690% | 3,946 |
| Return on assets (ROA) | 0.5940% | 3,860 |
| Pretax return on assets | 0.7592% | 3,722 |
| Return on Equity (ROE) | 5.5700% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.5693% | 2,802 |
| Net charge-offs to loans | 0.0514% | 1,153 |
| Credit loss provision to net charge-offs | -114.1304% | 4,583 |
| Earnings coverage of net charge-offs (x) | 17.7527% | 1,945 |
| Efficiency ratio | 79.1624% | 778 |
| Assets per employee ($millions) | 8.0096% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 3,693 |
| Loan loss allowance to noncurrent loans | 925.7660% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,032 |
| Noncurrent loans to loans | 0.0995% | 3,052 |
| Net loans and leases to total assets | 75.6600% | 1,036 |
| Net loans and leases to deposits | 89.4066% | 1,098 |
| Net loans and leases to core deposits | 96.2848% | 1,189 |
| Total domestic deposits to total assets | 84.6200% | 3,078 |
| Equity capital to assets | 10.7102% | 1,371 |
| Core capital (leverage) ratio | 12.0093% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $955,562,400 | 1,024 |
| Average earning assets | $894,100,800 | 1,005 |
| Average equity | $101,915,400 | 932 |
| Average total loans | $715,305,600 | 887 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 2,961 |
| Cost of funding earning assets | 0.2972% | 2,203 |
| Net interest margin | 3.0864% | 2,970 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3511% | 2,468 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6730% | 3,640 |
| Return on assets (ROA) | -0.3495% | 4,649 |
| Pretax return on assets | -0.4698% | 4,655 |
| Return on Equity (ROE) | -3.2800% | 4,638 |
| Retained earnings to average equity (ytd only) | -3.2808% | 4,546 |
| Net charge-offs to loans | 0.0699% | 808 |
| Credit loss provision to net charge-offs | 48.1283% | 1,530 |
| Earnings coverage of net charge-offs (x) | 16.3262% | 1,819 |
| Efficiency ratio | 73.4545% | 1,335 |
| Assets per employee ($millions) | 8.2332% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,471 |
| Loan loss allowance to noncurrent loans | 784.5070% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 2,972 |
| Noncurrent loans to loans | 0.1278% | 2,996 |
| Net loans and leases to total assets | 75.5400% | 955 |
| Net loans and leases to deposits | 88.5844% | 993 |
| Net loans and leases to core deposits | 94.1192% | 1,087 |
| Total domestic deposits to total assets | 85.2800% | 3,221 |
| Equity capital to assets | 9.7967% | 1,727 |
| Core capital (leverage) ratio | 11.3230% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $958,168,750 | 1,032 |
| Average earning assets | $897,816,000 | 1,004 |
| Average equity | $102,087,750 | 948 |
| Average total loans | $713,700,500 | 884 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2641% | 2,859 |
| Cost of funding earning assets | 0.2645% | 2,099 |
| Net interest margin | 2.9996% | 2,871 |
| Noninterest income to average assets | 0.3063% | 3,329 |
| Noninterest expense to average assets | 2.3411% | 2,425 |
| Loan and lease loss provision to assets | 0.0249% | 2,151 |
| Net operating income to assets | 0.6306% | 3,541 |
| Return on assets (ROA) | -0.5520% | 4,672 |
| Pretax return on assets | -0.7389% | 4,681 |
| Return on Equity (ROE) | -5.0476% | 4,676 |
| Retained earnings to average equity (ytd only) | -5.0476% | 4,545 |
| Net charge-offs to loans | 0.1038% | 576 |
| Credit loss provision to net charge-offs | 32.5203% | 1,562 |
| Earnings coverage of net charge-offs (x) | 10.2060% | 1,762 |
| Efficiency ratio | 74.9368% | 1,395 |
| Assets per employee ($millions) | 7.4751% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,538 |
| Loan loss allowance to noncurrent loans | 799.3326% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,052 |
| Noncurrent loans to loans | 0.1269% | 3,085 |
| Net loans and leases to total assets | 74.4662% | 867 |
| Net loans and leases to deposits | 87.3334% | 887 |
| Net loans and leases to core deposits | 92.1796% | 1,009 |
| Total domestic deposits to total assets | 85.2666% | 3,422 |
| Equity capital to assets | 10.4479% | 1,458 |
| Core capital (leverage) ratio | 11.1692% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,952,667 | 1,021 |
| Average earning assets | $903,655,667 | 1,005 |
| Average equity | $105,198,000 | 933 |
| Average total loans | $710,767,667 | 875 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1185% | 2,921 |
| Cost of funding earning assets | 0.2632% | 2,002 |
| Net interest margin | 2.8553% | 2,973 |
| Noninterest income to average assets | 0.2984% | 3,332 |
| Noninterest expense to average assets | 2.2498% | 2,686 |
| Loan and lease loss provision to assets | 0.0247% | 1,917 |
| Net operating income to assets | 0.5816% | 3,462 |
| Return on assets (ROA) | -0.2399% | 4,635 |
| Pretax return on assets | -0.3288% | 4,640 |
| Return on Equity (ROE) | -2.1474% | 4,641 |
| Retained earnings to average equity (ytd only) | -2.1474% | 4,259 |
| Net charge-offs to loans | -0.0022% | 3,124 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3549% | 1,595 |
| Assets per employee ($millions) | 8.1221% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,523 |
| Loan loss allowance to noncurrent loans | 409.3341% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 2,495 |
| Noncurrent loans to loans | 0.2571% | 2,556 |
| Net loans and leases to total assets | 72.9504% | 740 |
| Net loans and leases to deposits | 85.9114% | 747 |
| Net loans and leases to core deposits | 90.8159% | 887 |
| Total domestic deposits to total assets | 84.9135% | 3,556 |
| Equity capital to assets | 10.9062% | 1,380 |
| Core capital (leverage) ratio | 11.4330% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $971,998,000 | 1,006 |
| Average earning assets | $914,793,500 | 999 |
| Average equity | $108,594,500 | 940 |
| Average total loans | $711,874,000 | 867 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 2,770 |
| Cost of funding earning assets | 0.3217% | 2,180 |
| Net interest margin | 3.1399% | 2,766 |
| Noninterest income to average assets | 0.3191% | 3,499 |
| Noninterest expense to average assets | 2.4757% | 2,257 |
| Loan and lease loss provision to assets | 0.1196% | 1,040 |
| Net operating income to assets | 0.5129% | 4,059 |
| Return on assets (ROA) | 1.1369% | 2,207 |
| Pretax return on assets | 1.4645% | 1,838 |
| Return on Equity (ROE) | 10.0858% | 2,495 |
| Retained earnings to average equity (ytd only) | 10.0858% | 897 |
| Net charge-offs to loans | -0.0058% | 3,587 |
| Credit loss provision to net charge-offs | -2,743.9024% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7142% | 1,129 |
| Assets per employee ($millions) | 8.0120% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,590 |
| Loan loss allowance to noncurrent loans | 258.3391% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 2,070 |
| Noncurrent loans to loans | 0.4047% | 2,145 |
| Net loans and leases to total assets | 71.9950% | 841 |
| Net loans and leases to deposits | 85.3866% | 831 |
| Net loans and leases to core deposits | 89.9723% | 972 |
| Total domestic deposits to total assets | 84.3165% | 3,474 |
| Equity capital to assets | 11.4354% | 1,540 |
| Core capital (leverage) ratio | 11.6794% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $940,962,200 | 1,001 |
| Average earning assets | $884,243,400 | 996 |
| Average equity | $106,069,600 | 963 |
| Average total loans | $708,067,200 | 873 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 2,577 |
| Cost of funding earning assets | 0.3369% | 2,230 |
| Net interest margin | 3.2572% | 2,558 |
| Noninterest income to average assets | 0.3196% | 3,516 |
| Noninterest expense to average assets | 2.4055% | 2,421 |
| Loan and lease loss provision to assets | 0.1610% | 683 |
| Net operating income to assets | 0.6070% | 3,993 |
| Return on assets (ROA) | 1.0120% | 2,926 |
| Pretax return on assets | 1.3244% | 2,557 |
| Return on Equity (ROE) | 9.0120% | 3,107 |
| Retained earnings to average equity (ytd only) | 9.0120% | 1,687 |
| Net charge-offs to loans | -0.0064% | 3,509 |
| Credit loss provision to net charge-offs | -3,308.8235% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2071% | 1,473 |
| Assets per employee ($millions) | 7.9717% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,572 |
| Loan loss allowance to noncurrent loans | 260.5402% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 2,241 |
| Noncurrent loans to loans | 0.4110% | 2,328 |
| Net loans and leases to total assets | 73.5717% | 724 |
| Net loans and leases to deposits | 88.2254% | 705 |
| Net loans and leases to core deposits | 93.2970% | 859 |
| Total domestic deposits to total assets | 83.3907% | 3,611 |
| Equity capital to assets | 11.5357% | 1,644 |
| Core capital (leverage) ratio | 11.6146% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $931,837,500 | 1,025 |
| Average earning assets | $875,015,750 | 1,015 |
| Average equity | $104,642,750 | 990 |
| Average total loans | $707,294,500 | 889 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 3,320 |
| Cost of funding earning assets | 0.3527% | 2,295 |
| Net interest margin | 2.9938% | 3,341 |
| Noninterest income to average assets | 0.3281% | 3,463 |
| Noninterest expense to average assets | 2.4675% | 2,247 |
| Loan and lease loss provision to assets | 0.2093% | 525 |
| Net operating income to assets | 0.3468% | 4,469 |
| Return on assets (ROA) | 1.0305% | 2,866 |
| Pretax return on assets | 1.3283% | 2,556 |
| Return on Equity (ROE) | 9.2611% | 3,024 |
| Retained earnings to average equity (ytd only) | 9.2611% | 1,633 |
| Net charge-offs to loans | -0.0065% | 3,512 |
| Credit loss provision to net charge-offs | -4,239.1304% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5900% | 879 |
| Assets per employee ($millions) | 7.4334% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,763 |
| Loan loss allowance to noncurrent loans | 242.9622% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 2,311 |
| Noncurrent loans to loans | 0.4191% | 2,425 |
| Net loans and leases to total assets | 76.0344% | 592 |
| Net loans and leases to deposits | 91.7461% | 554 |
| Net loans and leases to core deposits | 96.9793% | 762 |
| Total domestic deposits to total assets | 82.8748% | 3,734 |
| Equity capital to assets | 11.4036% | 1,696 |
| Core capital (leverage) ratio | 11.3617% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $931,554,667 | 1,022 |
| Average earning assets | $874,888,000 | 1,012 |
| Average equity | $103,659,667 | 991 |
| Average total loans | $711,852,333 | 885 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 3,293 |
| Cost of funding earning assets | 0.3833% | 2,233 |
| Net interest margin | 2.9828% | 3,306 |
| Noninterest income to average assets | 0.2800% | 3,724 |
| Noninterest expense to average assets | 2.3488% | 2,654 |
| Loan and lease loss provision to assets | 0.2573% | 399 |
| Net operating income to assets | 0.3541% | 4,442 |
| Return on assets (ROA) | 1.0875% | 2,594 |
| Pretax return on assets | 1.4053% | 2,265 |
| Return on Equity (ROE) | 9.8956% | 2,729 |
| Retained earnings to average equity (ytd only) | 9.8956% | 1,679 |
| Net charge-offs to loans | -0.0045% | 3,351 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1858% | 1,118 |
| Assets per employee ($millions) | 8.0994% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,981 |
| Loan loss allowance to noncurrent loans | 202.9811% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 2,371 |
| Noncurrent loans to loans | 0.4751% | 2,425 |
| Net loans and leases to total assets | 74.5316% | 770 |
| Net loans and leases to deposits | 91.1649% | 638 |
| Net loans and leases to core deposits | 96.7957% | 853 |
| Total domestic deposits to total assets | 81.7548% | 3,943 |
| Equity capital to assets | 10.8600% | 1,961 |
| Core capital (leverage) ratio | 11.1817% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $932,746,500 | 1,008 |
| Average earning assets | $876,488,500 | 1,000 |
| Average equity | $102,510,000 | 991 |
| Average total loans | $710,900,000 | 887 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 3,420 |
| Cost of funding earning assets | 0.7481% | 1,460 |
| Net interest margin | 3.0095% | 3,861 |
| Noninterest income to average assets | 0.3200% | 3,544 |
| Noninterest expense to average assets | 2.7186% | 2,182 |
| Loan and lease loss provision to assets | 0.1727% | 2,230 |
| Net operating income to assets | 0.2120% | 4,557 |
| Return on assets (ROA) | 0.4194% | 4,287 |
| Pretax return on assets | 0.5115% | 4,252 |
| Return on Equity (ROE) | 3.7419% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.7419% | 2,957 |
| Net charge-offs to loans | -0.0013% | 3,958 |
| Credit loss provision to net charge-offs | -16,544.4444% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3113% | 519 |
| Assets per employee ($millions) | 7.9126% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,231 |
| Loan loss allowance to noncurrent loans | 149.7611% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 2,206 |
| Noncurrent loans to loans | 0.5907% | 2,223 |
| Net loans and leases to total assets | 76.5223% | 733 |
| Net loans and leases to deposits | 94.1053% | 650 |
| Net loans and leases to core deposits | 100.3782% | 883 |
| Total domestic deposits to total assets | 81.3156% | 3,801 |
| Equity capital to assets | 11.1245% | 2,157 |
| Core capital (leverage) ratio | 11.2129% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $862,320,200 | 1,000 |
| Average earning assets | $810,823,000 | 992 |
| Average equity | $96,663,000 | 986 |
| Average total loans | $693,695,400 | 872 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 3,495 |
| Cost of funding earning assets | 0.8463% | 1,273 |
| Net interest margin | 2.9778% | 4,025 |
| Noninterest income to average assets | 0.3355% | 3,473 |
| Noninterest expense to average assets | 2.6256% | 2,463 |
| Loan and lease loss provision to assets | 0.1750% | 2,231 |
| Net operating income to assets | 0.3434% | 4,372 |
| Return on assets (ROA) | 0.1018% | 4,725 |
| Pretax return on assets | 0.0938% | 4,731 |
| Return on Equity (ROE) | 0.9066% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.9066% | 4,285 |
| Net charge-offs to loans | -0.0002% | 3,765 |
| Credit loss provision to net charge-offs | -111,400.0000% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7242% | 625 |
| Assets per employee ($millions) | 7.5466% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,309 |
| Loan loss allowance to noncurrent loans | 131.7368% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,201 |
| Noncurrent loans to loans | 0.6242% | 2,237 |
| Net loans and leases to total assets | 79.7256% | 637 |
| Net loans and leases to deposits | 97.9554% | 629 |
| Net loans and leases to core deposits | 106.5335% | 830 |
| Total domestic deposits to total assets | 81.3898% | 3,569 |
| Equity capital to assets | 10.9415% | 2,434 |
| Core capital (leverage) ratio | 11.2082% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,435,750 | 1,000 |
| Average earning assets | $797,934,000 | 990 |
| Average equity | $95,302,000 | 989 |
| Average total loans | $689,960,500 | 869 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,412 |
| Cost of funding earning assets | 0.9696% | 1,074 |
| Net interest margin | 2.9975% | 4,128 |
| Noninterest income to average assets | 0.3154% | 3,574 |
| Noninterest expense to average assets | 2.6836% | 2,433 |
| Loan and lease loss provision to assets | 0.1771% | 2,246 |
| Net operating income to assets | 0.2603% | 4,487 |
| Return on assets (ROA) | -0.2859% | 4,874 |
| Pretax return on assets | -0.4187% | 4,885 |
| Return on Equity (ROE) | -2.5224% | 4,884 |
| Retained earnings to average equity (ytd only) | -2.5224% | 4,625 |
| Net charge-offs to loans | 0.0065% | 2,735 |
| Credit loss provision to net charge-offs | 3,359.0909% | 327 |
| Earnings coverage of net charge-offs (x) | 85.3182% | 778 |
| Efficiency ratio | 85.6422% | 557 |
| Assets per employee ($millions) | 7.3973% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 4,426 |
| Loan loss allowance to noncurrent loans | 132.9457% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 2,428 |
| Noncurrent loans to loans | 0.5756% | 2,431 |
| Net loans and leases to total assets | 81.5310% | 453 |
| Net loans and leases to deposits | 99.9385% | 557 |
| Net loans and leases to core deposits | 109.8162% | 746 |
| Total domestic deposits to total assets | 81.5812% | 3,478 |
| Equity capital to assets | 10.9551% | 2,384 |
| Core capital (leverage) ratio | 11.1740% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $834,414,667 | 998 |
| Average earning assets | $784,457,667 | 986 |
| Average equity | $94,591,333 | 989 |
| Average total loans | $681,333,333 | 870 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 3,295 |
| Cost of funding earning assets | 1.1352% | 948 |
| Net interest margin | 3.0429% | 4,209 |
| Noninterest income to average assets | 0.3464% | 3,444 |
| Noninterest expense to average assets | 2.7861% | 2,467 |
| Loan and lease loss provision to assets | 0.0486% | 3,170 |
| Net operating income to assets | 0.4104% | 4,114 |
| Return on assets (ROA) | -1.9112% | 5,037 |
| Pretax return on assets | -2.5624% | 5,048 |
| Return on Equity (ROE) | -16.5613% | 5,044 |
| Retained earnings to average equity (ytd only) | -16.5613% | 4,920 |
| Net charge-offs to loans | 0.0078% | 2,287 |
| Credit loss provision to net charge-offs | 761.5385% | 680 |
| Earnings coverage of net charge-offs (x) | 66.6154% | 753 |
| Efficiency ratio | 86.7665% | 649 |
| Assets per employee ($millions) | 6.5204% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 4,560 |
| Loan loss allowance to noncurrent loans | 104.3394% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,296 |
| Noncurrent loans to loans | 0.7003% | 2,245 |
| Net loans and leases to total assets | 80.3109% | 662 |
| Net loans and leases to deposits | 97.9941% | 713 |
| Net loans and leases to core deposits | 115.4390% | 610 |
| Total domestic deposits to total assets | 81.9548% | 3,434 |
| Equity capital to assets | 11.2704% | 2,618 |
| Core capital (leverage) ratio | 11.5266% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $815,183,000 | 991 |
| Average earning assets | $767,423,500 | 975 |
| Average equity | $94,074,500 | 990 |
| Average total loans | $663,423,000 | 868 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 4,027 |
| Cost of funding earning assets | 1.1977% | 1,026 |
| Net interest margin | 2.9077% | 4,647 |
| Noninterest income to average assets | 0.3405% | 3,670 |
| Noninterest expense to average assets | 2.7952% | 2,614 |
| Loan and lease loss provision to assets | 0.0675% | 2,666 |
| Net operating income to assets | 0.1742% | 4,865 |
| Return on assets (ROA) | 0.6755% | 4,005 |
| Pretax return on assets | 0.8360% | 3,905 |
| Return on Equity (ROE) | 5.6854% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.6854% | 2,036 |
| Net charge-offs to loans | 0.0003% | 3,720 |
| Credit loss provision to net charge-offs | 26,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,118.0000% | 86 |
| Efficiency ratio | 90.7592% | 323 |
| Assets per employee ($millions) | 6.1272% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,533 |
| Loan loss allowance to noncurrent loans | 105.4586% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 2,210 |
| Noncurrent loans to loans | 0.6834% | 2,179 |
| Net loans and leases to total assets | 81.2822% | 643 |
| Net loans and leases to deposits | 98.5684% | 710 |
| Net loans and leases to core deposits | 116.7949% | 570 |
| Total domestic deposits to total assets | 82.4627% | 3,372 |
| Equity capital to assets | 11.8145% | 2,270 |
| Core capital (leverage) ratio | 12.1333% | 1,692 |
| Tier 1 risk-based capital ratio | 15.2493% | 2,681 |
| Total risk-based capital ratio | 16.0067% | 2,807 |
| Memoranda: | ||
| Average total assets | $785,679,800 | 989 |
| Average earning assets | $740,164,600 | 970 |
| Average equity | $93,344,600 | 948 |
| Average total loans | $621,179,000 | 889 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 4,093 |
| Cost of funding earning assets | 1.1981% | 1,045 |
| Net interest margin | 2.9297% | 4,728 |
| Noninterest income to average assets | 0.3546% | 3,604 |
| Noninterest expense to average assets | 2.7753% | 2,638 |
| Loan and lease loss provision to assets | 0.0267% | 3,366 |
| Net operating income to assets | 0.2525% | 4,903 |
| Return on assets (ROA) | 0.7339% | 3,967 |
| Pretax return on assets | 0.9129% | 3,832 |
| Return on Equity (ROE) | 6.1685% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.1685% | 2,293 |
| Net charge-offs to loans | -0.0050% | 4,204 |
| Credit loss provision to net charge-offs | -678.2609% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1488% | 357 |
| Assets per employee ($millions) | 5.9677% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 4,661 |
| Loan loss allowance to noncurrent loans | 159.8482% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 3,111 |
| Noncurrent loans to loans | 0.4366% | 2,999 |
| Net loans and leases to total assets | 79.2824% | 944 |
| Net loans and leases to deposits | 96.2638% | 984 |
| Net loans and leases to core deposits | 114.8851% | 711 |
| Total domestic deposits to total assets | 82.3595% | 3,370 |
| Equity capital to assets | 12.0118% | 2,251 |
| Core capital (leverage) ratio | 12.2698% | 1,695 |
| Tier 1 risk-based capital ratio | 15.7444% | 2,535 |
| Total risk-based capital ratio | 16.4779% | 2,677 |
| Memoranda: | ||
| Average total assets | $779,901,000 | 994 |
| Average earning assets | $734,353,750 | 976 |
| Average equity | $92,792,000 | 953 |
| Average total loans | $610,929,250 | 901 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 4,063 |
| Cost of funding earning assets | 1.1835% | 1,034 |
| Net interest margin | 2.9597% | 4,745 |
| Noninterest income to average assets | 0.3372% | 3,678 |
| Noninterest expense to average assets | 2.8190% | 2,522 |
| Loan and lease loss provision to assets | 0.0155% | 3,469 |
| Net operating income to assets | 0.2301% | 4,962 |
| Return on assets (ROA) | 0.9101% | 3,304 |
| Pretax return on assets | 1.1402% | 3,118 |
| Return on Equity (ROE) | 7.6743% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.6743% | 1,530 |
| Net charge-offs to loans | -0.0036% | 4,063 |
| Credit loss provision to net charge-offs | -545.4545% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2171% | 344 |
| Assets per employee ($millions) | 5.9760% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,713 |
| Loan loss allowance to noncurrent loans | 315.4240% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,899 |
| Noncurrent loans to loans | 0.2220% | 3,741 |
| Net loans and leases to total assets | 76.9865% | 1,392 |
| Net loans and leases to deposits | 91.9319% | 1,492 |
| Net loans and leases to core deposits | 111.3874% | 895 |
| Total domestic deposits to total assets | 83.7430% | 2,970 |
| Equity capital to assets | 11.8648% | 2,293 |
| Core capital (leverage) ratio | 12.0994% | 1,760 |
| Tier 1 risk-based capital ratio | 16.0703% | 2,377 |
| Total risk-based capital ratio | 16.8070% | 2,534 |
| Memoranda: | ||
| Average total assets | $775,300,330 | 999 |
| Average earning assets | $730,219,330 | 987 |
| Average equity | $91,943,330 | 958 |
| Average total loans | $603,342,330 | 912 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 4,111 |
| Cost of funding earning assets | 1.0910% | 1,214 |
| Net interest margin | 3.0146% | 4,729 |
| Noninterest income to average assets | 0.3334% | 3,634 |
| Noninterest expense to average assets | 2.8523% | 2,408 |
| Loan and lease loss provision to assets | 0.0157% | 3,232 |
| Net operating income to assets | 0.2330% | 4,982 |
| Return on assets (ROA) | 1.3021% | 1,726 |
| Pretax return on assets | 1.6542% | 1,329 |
| Return on Equity (ROE) | 10.9823% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.9823% | 805 |
| Net charge-offs to loans | -0.0034% | 3,940 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0082% | 392 |
| Assets per employee ($millions) | 6.1693% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 4,755 |
| Loan loss allowance to noncurrent loans | 885.9213% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 4,511 |
| Noncurrent loans to loans | 0.0804% | 4,403 |
| Net loans and leases to total assets | 76.7166% | 1,365 |
| Net loans and leases to deposits | 91.3851% | 1,472 |
| Net loans and leases to core deposits | 110.2587% | 918 |
| Total domestic deposits to total assets | 83.9486% | 3,064 |
| Equity capital to assets | 11.8975% | 2,087 |
| Core capital (leverage) ratio | 12.4973% | 1,517 |
| Tier 1 risk-based capital ratio | 15.9127% | 2,480 |
| Total risk-based capital ratio | 16.6431% | 2,622 |
| Memoranda: | ||
| Average total assets | $765,548,500 | 1,008 |
| Average earning assets | $720,086,500 | 995 |
| Average equity | $90,764,000 | 959 |
| Average total loans | $596,910,000 | 921 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 4,008 |
| Cost of funding earning assets | 0.8923% | 1,123 |
| Net interest margin | 3.1149% | 4,626 |
| Noninterest income to average assets | 0.3395% | 3,843 |
| Noninterest expense to average assets | 2.8626% | 2,475 |
| Loan and lease loss provision to assets | 0.0438% | 3,306 |
| Net operating income to assets | 0.2898% | 5,022 |
| Return on assets (ROA) | 0.7173% | 4,094 |
| Pretax return on assets | 0.8744% | 3,966 |
| Return on Equity (ROE) | 5.9197% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.9197% | 2,235 |
| Net charge-offs to loans | 0.0651% | 2,190 |
| Credit loss provision to net charge-offs | 84.4737% | 2,794 |
| Earnings coverage of net charge-offs (x) | 7.6579% | 2,967 |
| Efficiency ratio | 87.8273% | 439 |
| Assets per employee ($millions) | 6.0301% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,772 |
| Loan loss allowance to noncurrent loans | 1,162.7397% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,607 |
| Noncurrent loans to loans | 0.0615% | 4,472 |
| Net loans and leases to total assets | 78.1350% | 1,256 |
| Net loans and leases to deposits | 92.6963% | 1,438 |
| Net loans and leases to core deposits | 108.5589% | 1,082 |
| Total domestic deposits to total assets | 84.2914% | 2,910 |
| Equity capital to assets | 11.8133% | 2,022 |
| Core capital (leverage) ratio | 12.1875% | 1,620 |
| Tier 1 risk-based capital ratio | 15.8778% | 2,457 |
| Total risk-based capital ratio | 16.6496% | 2,583 |
| Memoranda: | ||
| Average total assets | $733,447,200 | 1,012 |
| Average earning assets | $687,530,200 | 1,000 |
| Average equity | $88,872,600 | 946 |
| Average total loans | $583,648,400 | 924 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 4,114 |
| Cost of funding earning assets | 0.8355% | 1,169 |
| Net interest margin | 3.1018% | 4,701 |
| Noninterest income to average assets | 0.3397% | 3,878 |
| Noninterest expense to average assets | 2.8569% | 2,440 |
| Loan and lease loss provision to assets | 0.0480% | 3,034 |
| Net operating income to assets | 0.2779% | 5,121 |
| Return on assets (ROA) | 0.7134% | 4,192 |
| Pretax return on assets | 0.8726% | 4,111 |
| Return on Equity (ROE) | 5.8493% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.8493% | 2,731 |
| Net charge-offs to loans | 0.0358% | 2,367 |
| Credit loss provision to net charge-offs | 167.9487% | 1,585 |
| Earnings coverage of net charge-offs (x) | 13.6413% | 2,338 |
| Efficiency ratio | 88.0011% | 404 |
| Assets per employee ($millions) | 5.9585% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 4,793 |
| Loan loss allowance to noncurrent loans | 566.7095% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,454 |
| Noncurrent loans to loans | 0.1301% | 4,300 |
| Net loans and leases to total assets | 79.0893% | 1,148 |
| Net loans and leases to deposits | 94.6765% | 1,302 |
| Net loans and leases to core deposits | 111.3320% | 948 |
| Total domestic deposits to total assets | 83.5363% | 3,108 |
| Equity capital to assets | 11.9719% | 1,927 |
| Core capital (leverage) ratio | 12.3013% | 1,612 |
| Tier 1 risk-based capital ratio | 15.3075% | 2,736 |
| Total risk-based capital ratio | 16.3522% | 2,762 |
| Memoranda: | ||
| Average total assets | $728,367,250 | 1,021 |
| Average earning assets | $682,547,500 | 1,009 |
| Average equity | $88,829,500 | 941 |
| Average total loans | $581,260,500 | 924 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 4,144 |
| Cost of funding earning assets | 0.7696% | 1,282 |
| Net interest margin | 3.1045% | 4,720 |
| Noninterest income to average assets | 0.3304% | 3,978 |
| Noninterest expense to average assets | 2.8928% | 2,375 |
| Loan and lease loss provision to assets | 0.0486% | 2,944 |
| Net operating income to assets | 0.2407% | 5,186 |
| Return on assets (ROA) | 0.7657% | 3,978 |
| Pretax return on assets | 0.9380% | 3,849 |
| Return on Equity (ROE) | 6.2388% | 4,155 |
| Retained earnings to average equity (ytd only) | 6.2388% | 2,443 |
| Net charge-offs to loans | 0.0375% | 2,101 |
| Credit loss provision to net charge-offs | 162.0370% | 1,503 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 2,259 |
| Efficiency ratio | 89.3105% | 400 |
| Assets per employee ($millions) | 5.9608% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,847 |
| Loan loss allowance to noncurrent loans | 327.8320% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 4,078 |
| Noncurrent loans to loans | 0.2255% | 3,910 |
| Net loans and leases to total assets | 79.3855% | 1,111 |
| Net loans and leases to deposits | 97.6620% | 989 |
| Net loans and leases to core deposits | 112.3436% | 867 |
| Total domestic deposits to total assets | 81.2860% | 3,923 |
| Equity capital to assets | 11.9390% | 1,895 |
| Core capital (leverage) ratio | 12.6041% | 1,379 |
| Tier 1 risk-based capital ratio | 15.2666% | 2,747 |
| Total risk-based capital ratio | 16.2232% | 2,812 |
| Memoranda: | ||
| Average total assets | $720,900,330 | 1,036 |
| Average earning assets | $675,402,670 | 1,025 |
| Average equity | $88,479,000 | 943 |
| Average total loans | $575,618,670 | 934 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,125 |
| Cost of funding earning assets | 0.7293% | 1,294 |
| Net interest margin | 3.1050% | 4,700 |
| Noninterest income to average assets | 0.3254% | 3,980 |
| Noninterest expense to average assets | 2.8908% | 2,404 |
| Loan and lease loss provision to assets | 0.0489% | 2,801 |
| Net operating income to assets | 0.2403% | 5,198 |
| Return on assets (ROA) | 0.9008% | 3,291 |
| Pretax return on assets | 1.1127% | 3,126 |
| Return on Equity (ROE) | 7.2373% | 3,683 |
| Retained earnings to average equity (ytd only) | 7.2373% | 2,168 |
| Net charge-offs to loans | 0.0789% | 1,341 |
| Credit loss provision to net charge-offs | 77.6786% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,232 |
| Efficiency ratio | 89.3056% | 476 |
| Assets per employee ($millions) | 5.8173% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,914 |
| Loan loss allowance to noncurrent loans | 205.0815% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 3,681 |
| Noncurrent loans to loans | 0.3664% | 3,461 |
| Net loans and leases to total assets | 79.6077% | 995 |
| Net loans and leases to deposits | 96.3021% | 1,003 |
| Net loans and leases to core deposits | 110.2831% | 988 |
| Total domestic deposits to total assets | 82.6645% | 3,765 |
| Equity capital to assets | 12.3970% | 1,553 |
| Core capital (leverage) ratio | 12.5771% | 1,358 |
| Tier 1 risk-based capital ratio | 15.6752% | 2,602 |
| Total risk-based capital ratio | 16.7194% | 2,610 |
| Memoranda: | ||
| Average total assets | $711,783,000 | 1,053 |
| Average earning assets | $667,445,500 | 1,046 |
| Average equity | $88,596,000 | 948 |
| Average total loans | $567,860,000 | 943 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7931% | 4,070 |
| Cost of funding earning assets | 0.6294% | 1,422 |
| Net interest margin | 3.1637% | 4,538 |
| Noninterest income to average assets | 0.4548% | 3,278 |
| Noninterest expense to average assets | 2.8561% | 2,594 |
| Loan and lease loss provision to assets | 0.1112% | 2,038 |
| Net operating income to assets | 0.3234% | 4,888 |
| Return on assets (ROA) | 0.6900% | 3,693 |
| Pretax return on assets | 0.9473% | 3,751 |
| Return on Equity (ROE) | 5.5063% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.5063% | 1,812 |
| Net charge-offs to loans | 0.1263% | 1,785 |
| Credit loss provision to net charge-offs | 112.9032% | 2,311 |
| Earnings coverage of net charge-offs (x) | 5.6466% | 3,294 |
| Efficiency ratio | 83.7009% | 796 |
| Assets per employee ($millions) | 5.9488% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,932 |
| Loan loss allowance to noncurrent loans | 168.2174% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,201 |
| Noncurrent loans to loans | 0.4516% | 3,161 |
| Net loans and leases to total assets | 78.7491% | 1,173 |
| Net loans and leases to deposits | 95.3180% | 1,149 |
| Net loans and leases to core deposits | 109.1744% | 1,055 |
| Total domestic deposits to total assets | 82.6173% | 3,688 |
| Equity capital to assets | 12.4968% | 1,520 |
| Core capital (leverage) ratio | 12.3806% | 1,408 |
| Tier 1 risk-based capital ratio | 15.3138% | 2,695 |
| Total risk-based capital ratio | 16.5657% | 2,633 |
| Memoranda: | ||
| Average total assets | $692,414,000 | 1,054 |
| Average earning assets | $647,275,200 | 1,038 |
| Average equity | $86,772,600 | 939 |
| Average total loans | $539,960,200 | 946 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 4,058 |
| Cost of funding earning assets | 0.5989% | 1,534 |
| Net interest margin | 3.1860% | 4,487 |
| Noninterest income to average assets | 0.4970% | 3,040 |
| Noninterest expense to average assets | 2.8612% | 2,527 |
| Loan and lease loss provision to assets | 0.1339% | 1,620 |
| Net operating income to assets | 0.3740% | 5,060 |
| Return on assets (ROA) | 0.8312% | 3,420 |
| Pretax return on assets | 1.0557% | 3,473 |
| Return on Equity (ROE) | 6.6275% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.6275% | 1,894 |
| Net charge-offs to loans | 0.1532% | 1,323 |
| Credit loss provision to net charge-offs | 112.5612% | 2,106 |
| Earnings coverage of net charge-offs (x) | 5.1354% | 3,146 |
| Efficiency ratio | 82.4055% | 883 |
| Assets per employee ($millions) | 5.7494% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 4,947 |
| Loan loss allowance to noncurrent loans | 184.9203% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 3,488 |
| Noncurrent loans to loans | 0.4222% | 3,436 |
| Net loans and leases to total assets | 77.7686% | 1,306 |
| Net loans and leases to deposits | 93.9185% | 1,310 |
| Net loans and leases to core deposits | 107.9467% | 1,141 |
| Total domestic deposits to total assets | 82.8044% | 3,523 |
| Equity capital to assets | 12.5794% | 1,617 |
| Core capital (leverage) ratio | 12.6430% | 1,361 |
| Tier 1 risk-based capital ratio | 15.4688% | 2,716 |
| Total risk-based capital ratio | 16.6421% | 2,698 |
| Memoranda: | ||
| Average total assets | $687,054,250 | 1,066 |
| Average earning assets | $641,579,250 | 1,053 |
| Average equity | $86,163,500 | 949 |
| Average total loans | $533,336,250 | 962 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,079 |
| Cost of funding earning assets | 0.5635% | 1,691 |
| Net interest margin | 3.1853% | 4,461 |
| Noninterest income to average assets | 0.5854% | 2,532 |
| Noninterest expense to average assets | 2.8954% | 2,439 |
| Loan and lease loss provision to assets | 0.0469% | 3,053 |
| Net operating income to assets | 0.4810% | 4,756 |
| Return on assets (ROA) | 0.9870% | 2,537 |
| Pretax return on assets | 1.2564% | 2,549 |
| Return on Equity (ROE) | 7.8785% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.8785% | 1,218 |
| Net charge-offs to loans | 0.0667% | 1,969 |
| Credit loss provision to net charge-offs | 90.9091% | 2,130 |
| Earnings coverage of net charge-offs (x) | 12.8466% | 2,164 |
| Efficiency ratio | 81.3725% | 1,065 |
| Assets per employee ($millions) | 5.5902% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 4,994 |
| Loan loss allowance to noncurrent loans | 133.5985% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,068 |
| Noncurrent loans to loans | 0.5837% | 2,980 |
| Net loans and leases to total assets | 77.7046% | 1,288 |
| Net loans and leases to deposits | 95.1430% | 1,167 |
| Net loans and leases to core deposits | 108.3603% | 1,084 |
| Total domestic deposits to total assets | 81.6713% | 3,984 |
| Equity capital to assets | 12.6797% | 1,531 |
| Core capital (leverage) ratio | 12.6714% | 1,306 |
| Tier 1 risk-based capital ratio | 15.3327% | 2,786 |
| Total risk-based capital ratio | 16.4603% | 2,769 |
| Memoranda: | ||
| Average total assets | $682,264,670 | 1,074 |
| Average earning assets | $636,737,670 | 1,063 |
| Average equity | $85,473,000 | 958 |
| Average total loans | $527,855,330 | 970 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,099 |
| Cost of funding earning assets | 0.5306% | 1,858 |
| Net interest margin | 3.1774% | 4,411 |
| Noninterest income to average assets | 0.6733% | 2,073 |
| Noninterest expense to average assets | 2.9194% | 2,400 |
| Loan and lease loss provision to assets | 0.0471% | 2,871 |
| Net operating income to assets | 0.5122% | 4,549 |
| Return on assets (ROA) | 1.2654% | 1,368 |
| Pretax return on assets | 1.6492% | 1,127 |
| Return on Equity (ROE) | 10.1634% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.1634% | 776 |
| Net charge-offs to loans | -0.0038% | 4,113 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2589% | 1,353 |
| Assets per employee ($millions) | 5.8032% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 5,038 |
| Loan loss allowance to noncurrent loans | 175.7972% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 3,550 |
| Noncurrent loans to loans | 0.4606% | 3,448 |
| Net loans and leases to total assets | 76.9184% | 1,271 |
| Net loans and leases to deposits | 95.1937% | 989 |
| Net loans and leases to core deposits | 106.3681% | 1,077 |
| Total domestic deposits to total assets | 80.8020% | 4,462 |
| Equity capital to assets | 12.5096% | 1,526 |
| Core capital (leverage) ratio | 12.7622% | 1,232 |
| Tier 1 risk-based capital ratio | 15.2471% | 2,857 |
| Total risk-based capital ratio | 16.3997% | 2,832 |
| Memoranda: | ||
| Average total assets | $679,602,500 | 1,078 |
| Average earning assets | $633,982,500 | 1,068 |
| Average equity | $84,617,500 | 964 |
| Average total loans | $522,539,500 | 984 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,178 |
| Cost of funding earning assets | 0.5322% | 1,850 |
| Net interest margin | 3.1789% | 4,507 |
| Noninterest income to average assets | 0.3312% | 4,366 |
| Noninterest expense to average assets | 2.8459% | 2,859 |
| Loan and lease loss provision to assets | 0.0319% | 3,717 |
| Net operating income to assets | 0.3121% | 5,193 |
| Return on assets (ROA) | 0.6161% | 4,255 |
| Pretax return on assets | 0.8214% | 4,124 |
| Return on Equity (ROE) | 4.9335% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.9335% | 2,387 |
| Net charge-offs to loans | -0.0081% | 4,886 |
| Credit loss provision to net charge-offs | -538.4615% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3993% | 789 |
| Assets per employee ($millions) | 5.7155% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 5,050 |
| Loan loss allowance to noncurrent loans | 162.1778% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,514 |
| Noncurrent loans to loans | 0.5056% | 3,330 |
| Net loans and leases to total assets | 75.5965% | 1,583 |
| Net loans and leases to deposits | 92.8845% | 1,311 |
| Net loans and leases to core deposits | 103.9465% | 1,288 |
| Total domestic deposits to total assets | 81.3877% | 4,237 |
| Equity capital to assets | 12.3916% | 1,582 |
| Core capital (leverage) ratio | 12.4699% | 1,343 |
| Tier 1 risk-based capital ratio | 14.9267% | 2,998 |
| Total risk-based capital ratio | 16.0836% | 2,974 |
| Memoranda: | ||
| Average total assets | $658,482,000 | 1,081 |
| Average earning assets | $613,701,600 | 1,062 |
| Average equity | $82,233,400 | 967 |
| Average total loans | $481,290,600 | 1,007 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,222 |
| Cost of funding earning assets | 0.5326% | 1,857 |
| Net interest margin | 3.1755% | 4,560 |
| Noninterest income to average assets | 0.3308% | 4,421 |
| Noninterest expense to average assets | 2.8280% | 2,913 |
| Loan and lease loss provision to assets | 0.0550% | 3,155 |
| Net operating income to assets | 0.3009% | 5,281 |
| Return on assets (ROA) | 0.6382% | 4,253 |
| Pretax return on assets | 0.8625% | 4,112 |
| Return on Equity (ROE) | 5.1005% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.1005% | 2,756 |
| Net charge-offs to loans | 0.0386% | 2,861 |
| Credit loss provision to net charge-offs | 197.0803% | 1,457 |
| Earnings coverage of net charge-offs (x) | 16.5403% | 2,106 |
| Efficiency ratio | 85.9673% | 823 |
| Assets per employee ($millions) | 5.5695% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 5,087 |
| Loan loss allowance to noncurrent loans | 157.7752% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 3,640 |
| Noncurrent loans to loans | 0.5296% | 3,407 |
| Net loans and leases to total assets | 73.3961% | 1,966 |
| Net loans and leases to deposits | 88.3167% | 1,978 |
| Net loans and leases to core deposits | 98.9315% | 1,733 |
| Total domestic deposits to total assets | 83.1056% | 3,544 |
| Equity capital to assets | 12.5988% | 1,707 |
| Core capital (leverage) ratio | 12.5871% | 1,365 |
| Tier 1 risk-based capital ratio | 15.3521% | 2,891 |
| Total risk-based capital ratio | 16.4863% | 2,872 |
| Memoranda: | ||
| Average total assets | $654,496,250 | 1,088 |
| Average earning assets | $609,814,500 | 1,077 |
| Average equity | $81,898,750 | 975 |
| Average total loans | $473,099,000 | 1,023 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,236 |
| Cost of funding earning assets | 0.5307% | 1,866 |
| Net interest margin | 3.1876% | 4,584 |
| Noninterest income to average assets | 0.3308% | 4,411 |
| Noninterest expense to average assets | 2.8340% | 2,902 |
| Loan and lease loss provision to assets | 0.0552% | 3,044 |
| Net operating income to assets | 0.2962% | 5,340 |
| Return on assets (ROA) | 0.7178% | 3,867 |
| Pretax return on assets | 0.9887% | 3,625 |
| Return on Equity (ROE) | 5.7494% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.7494% | 2,266 |
| Net charge-offs to loans | -0.0077% | 4,627 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8670% | 897 |
| Assets per employee ($millions) | 5.6437% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,049 |
| Loan loss allowance to noncurrent loans | 139.8254% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 3,517 |
| Noncurrent loans to loans | 0.6233% | 3,203 |
| Net loans and leases to total assets | 72.3493% | 2,115 |
| Net loans and leases to deposits | 88.3507% | 1,944 |
| Net loans and leases to core deposits | 99.1225% | 1,707 |
| Total domestic deposits to total assets | 81.8888% | 4,028 |
| Equity capital to assets | 12.6690% | 1,676 |
| Core capital (leverage) ratio | 12.5065% | 1,351 |
| Tier 1 risk-based capital ratio | 15.2949% | 2,941 |
| Total risk-based capital ratio | 16.4453% | 2,923 |
| Memoranda: | ||
| Average total assets | $651,736,330 | 1,091 |
| Average earning assets | $607,172,330 | 1,075 |
| Average equity | $81,364,330 | 979 |
| Average total loans | $467,281,670 | 1,028 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 4,219 |
| Cost of funding earning assets | 0.5332% | 1,843 |
| Net interest margin | 3.1952% | 4,597 |
| Noninterest income to average assets | 0.3248% | 4,412 |
| Noninterest expense to average assets | 2.8868% | 2,748 |
| Loan and lease loss provision to assets | 0.0554% | 2,839 |
| Net operating income to assets | 0.2533% | 5,431 |
| Return on assets (ROA) | 0.6133% | 4,237 |
| Pretax return on assets | 0.8753% | 3,955 |
| Return on Equity (ROE) | 4.9493% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.9493% | 2,977 |
| Net charge-offs to loans | -0.0017% | 4,108 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3929% | 858 |
| Assets per employee ($millions) | 5.8518% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 5,182 |
| Loan loss allowance to noncurrent loans | 131.8817% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 3,489 |
| Noncurrent loans to loans | 0.6535% | 3,212 |
| Net loans and leases to total assets | 71.8652% | 2,065 |
| Net loans and leases to deposits | 86.5885% | 2,005 |
| Net loans and leases to core deposits | 97.2214% | 1,689 |
| Total domestic deposits to total assets | 82.9963% | 3,896 |
| Equity capital to assets | 12.5605% | 1,644 |
| Core capital (leverage) ratio | 12.4732% | 1,350 |
| Tier 1 risk-based capital ratio | 15.4592% | 2,944 |
| Total risk-based capital ratio | 16.6235% | 2,920 |
| Memoranda: | ||
| Average total assets | $650,271,000 | 1,087 |
| Average earning assets | $606,165,500 | 1,070 |
| Average equity | $80,576,500 | 989 |
| Average total loans | $462,017,000 | 1,041 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 4,578 |
| Cost of funding earning assets | 0.5865% | 1,456 |
| Net interest margin | 3.0474% | 5,031 |
| Noninterest income to average assets | 0.3252% | 4,566 |
| Noninterest expense to average assets | 2.7959% | 3,246 |
| Loan and lease loss provision to assets | 0.0678% | 2,937 |
| Net operating income to assets | 0.2354% | 5,507 |
| Return on assets (ROA) | 0.5642% | 4,536 |
| Pretax return on assets | 0.7224% | 4,464 |
| Return on Equity (ROE) | 4.6686% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.6686% | 2,663 |
| Net charge-offs to loans | 0.0545% | 3,118 |
| Credit loss provision to net charge-offs | 176.5873% | 1,536 |
| Earnings coverage of net charge-offs (x) | 9.6071% | 2,802 |
| Efficiency ratio | 88.3511% | 810 |
| Assets per employee ($millions) | 5.6120% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 5,181 |
| Loan loss allowance to noncurrent loans | 126.3057% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 3,698 |
| Noncurrent loans to loans | 0.6929% | 3,116 |
| Net loans and leases to total assets | 69.0039% | 2,545 |
| Net loans and leases to deposits | 82.5790% | 2,526 |
| Net loans and leases to core deposits | 93.1007% | 2,125 |
| Total domestic deposits to total assets | 83.5611% | 3,650 |
| Equity capital to assets | 12.2223% | 1,798 |
| Core capital (leverage) ratio | 12.0912% | 1,567 |
| Tier 1 risk-based capital ratio | 15.7128% | 2,824 |
| Total risk-based capital ratio | 16.8280% | 2,826 |
| Memoranda: | ||
| Average total assets | $656,738,400 | 1,041 |
| Average earning assets | $611,898,000 | 1,026 |
| Average equity | $79,359,400 | 960 |
| Average total loans | $462,627,800 | 997 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,604 |
| Cost of funding earning assets | 0.6028% | 1,388 |
| Net interest margin | 3.0376% | 5,109 |
| Noninterest income to average assets | 0.3249% | 4,616 |
| Noninterest expense to average assets | 2.7568% | 3,354 |
| Loan and lease loss provision to assets | 0.0810% | 2,551 |
| Net operating income to assets | 0.2443% | 5,585 |
| Return on assets (ROA) | 0.6395% | 4,301 |
| Pretax return on assets | 0.8368% | 4,215 |
| Return on Equity (ROE) | 5.3075% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.3075% | 2,719 |
| Net charge-offs to loans | 0.0777% | 2,444 |
| Credit loss provision to net charge-offs | 147.6015% | 1,707 |
| Earnings coverage of net charge-offs (x) | 7.2473% | 2,940 |
| Efficiency ratio | 87.3884% | 902 |
| Assets per employee ($millions) | 5.6727% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 5,354 |
| Loan loss allowance to noncurrent loans | 126.6472% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 3,422 |
| Noncurrent loans to loans | 0.6743% | 3,305 |
| Net loans and leases to total assets | 70.6747% | 2,286 |
| Net loans and leases to deposits | 84.8657% | 2,298 |
| Net loans and leases to core deposits | 96.0826% | 1,871 |
| Total domestic deposits to total assets | 83.2783% | 3,709 |
| Equity capital to assets | 12.3627% | 1,821 |
| Core capital (leverage) ratio | 12.3811% | 1,472 |
| Tier 1 risk-based capital ratio | 15.6607% | 2,968 |
| Total risk-based capital ratio | 16.6362% | 3,031 |
| Memoranda: | ||
| Average total assets | $658,175,250 | 1,049 |
| Average earning assets | $613,147,250 | 1,033 |
| Average equity | $79,307,750 | 965 |
| Average total loans | $464,991,000 | 998 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 4,645 |
| Cost of funding earning assets | 0.6388% | 1,175 |
| Net interest margin | 2.9895% | 5,251 |
| Noninterest income to average assets | 0.3223% | 4,644 |
| Noninterest expense to average assets | 2.7489% | 3,416 |
| Loan and lease loss provision to assets | 0.1069% | 2,049 |
| Net operating income to assets | 0.1851% | 5,731 |
| Return on assets (ROA) | 0.7405% | 3,793 |
| Pretax return on assets | 0.9929% | 3,614 |
| Return on Equity (ROE) | 6.1971% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.1971% | 2,116 |
| Net charge-offs to loans | 0.1356% | 1,684 |
| Credit loss provision to net charge-offs | 111.9874% | 1,904 |
| Earnings coverage of net charge-offs (x) | 3.7634% | 3,139 |
| Efficiency ratio | 88.4377% | 882 |
| Assets per employee ($millions) | 5.5660% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 5,512 |
| Loan loss allowance to noncurrent loans | 130.5584% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 3,706 |
| Noncurrent loans to loans | 0.6381% | 3,559 |
| Net loans and leases to total assets | 70.2567% | 2,280 |
| Net loans and leases to deposits | 84.8958% | 2,200 |
| Net loans and leases to core deposits | 96.1731% | 1,781 |
| Total domestic deposits to total assets | 82.7564% | 4,045 |
| Equity capital to assets | 12.2852% | 1,816 |
| Core capital (leverage) ratio | 11.7753% | 1,790 |
| Tier 1 risk-based capital ratio | 15.6440% | 3,032 |
| Total risk-based capital ratio | 16.7944% | 3,025 |
| Memoranda: | ||
| Average total assets | $663,895,000 | 1,046 |
| Average earning assets | $618,700,670 | 1,027 |
| Average equity | $79,328,000 | 968 |
| Average total loans | $467,675,330 | 993 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,786 |
| Cost of funding earning assets | 0.6828% | 932 |
| Net interest margin | 2.8840% | 5,486 |
| Noninterest income to average assets | 0.2978% | 4,791 |
| Noninterest expense to average assets | 2.7441% | 3,439 |
| Loan and lease loss provision to assets | 0.1308% | 1,585 |
| Net operating income to assets | 0.0881% | 5,898 |
| Return on assets (ROA) | 0.9616% | 2,572 |
| Pretax return on assets | 1.3468% | 2,093 |
| Return on Equity (ROE) | 8.1581% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.1581% | 1,506 |
| Net charge-offs to loans | 0.2851% | 839 |
| Credit loss provision to net charge-offs | 65.2819% | 1,954 |
| Earnings coverage of net charge-offs (x) | 1.2344% | 2,951 |
| Efficiency ratio | 91.7346% | 732 |
| Assets per employee ($millions) | 6.1474% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 5,741 |
| Loan loss allowance to noncurrent loans | 89.2360% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 3,681 |
| Noncurrent loans to loans | 0.8724% | 3,065 |
| Net loans and leases to total assets | 68.2856% | 2,396 |
| Net loans and leases to deposits | 81.5174% | 2,389 |
| Net loans and leases to core deposits | 92.9377% | 1,859 |
| Total domestic deposits to total assets | 83.7681% | 3,901 |
| Equity capital to assets | 11.7026% | 2,286 |
| Core capital (leverage) ratio | 11.5761% | 1,944 |
| Tier 1 risk-based capital ratio | 15.4158% | 3,189 |
| Total risk-based capital ratio | 16.6143% | 3,149 |
| Memoranda: | ||
| Average total assets | $673,015,000 | 1,036 |
| Average earning assets | $628,570,000 | 1,017 |
| Average equity | $79,332,000 | 966 |
| Average total loans | $472,799,500 | 984 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,838 |
| Cost of funding earning assets | 0.7571% | 812 |
| Net interest margin | 2.9266% | 5,590 |
| Noninterest income to average assets | 0.3175% | 4,845 |
| Noninterest expense to average assets | 2.6944% | 3,879 |
| Loan and lease loss provision to assets | 0.0772% | 2,929 |
| Net operating income to assets | 0.2281% | 5,708 |
| Return on assets (ROA) | 0.5295% | 4,771 |
| Pretax return on assets | 0.6861% | 4,674 |
| Return on Equity (ROE) | 4.5171% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.5171% | 2,954 |
| Net charge-offs to loans | 0.1690% | 2,341 |
| Credit loss provision to net charge-offs | 63.0788% | 3,232 |
| Earnings coverage of net charge-offs (x) | 3.0375% | 3,997 |
| Efficiency ratio | 87.8705% | 1,003 |
| Assets per employee ($millions) | 5.9790% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 5,793 |
| Loan loss allowance to noncurrent loans | 66.8853% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 3,079 |
| Noncurrent loans to loans | 1.1851% | 2,468 |
| Net loans and leases to total assets | 71.1523% | 2,052 |
| Net loans and leases to deposits | 84.6499% | 2,146 |
| Net loans and leases to core deposits | 98.6214% | 1,498 |
| Total domestic deposits to total assets | 84.0548% | 3,695 |
| Equity capital to assets | 11.8749% | 2,109 |
| Core capital (leverage) ratio | 11.5677% | 1,929 |
| Tier 1 risk-based capital ratio | 16.4357% | 2,742 |
| Total risk-based capital ratio | 17.9119% | 2,596 |
| Memoranda: | ||
| Average total assets | $652,543,600 | 1,030 |
| Average earning assets | $612,902,000 | 1,001 |
| Average equity | $76,486,600 | 954 |
| Average total loans | $472,664,000 | 941 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,898 |
| Cost of funding earning assets | 0.7644% | 825 |
| Net interest margin | 2.9227% | 5,654 |
| Noninterest income to average assets | 0.3152% | 4,919 |
| Noninterest expense to average assets | 2.6891% | 3,858 |
| Loan and lease loss provision to assets | 0.0850% | 2,657 |
| Net operating income to assets | 0.2219% | 5,803 |
| Return on assets (ROA) | 0.6000% | 4,532 |
| Pretax return on assets | 0.7976% | 4,372 |
| Return on Equity (ROE) | 5.1361% | 4,659 |
| Retained earnings to average equity (ytd only) | 5.1361% | 2,995 |
| Net charge-offs to loans | 0.0017% | 4,660 |
| Credit loss provision to net charge-offs | 6,900.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 307.3263% | 229 |
| Efficiency ratio | 87.6647% | 1,032 |
| Assets per employee ($millions) | 5.5706% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 5,416 |
| Loan loss allowance to noncurrent loans | 72.2052% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 3,066 |
| Noncurrent loans to loans | 1.3192% | 2,441 |
| Net loans and leases to total assets | 71.4126% | 1,947 |
| Net loans and leases to deposits | 85.1593% | 2,012 |
| Net loans and leases to core deposits | 100.4491% | 1,328 |
| Total domestic deposits to total assets | 83.8576% | 3,812 |
| Equity capital to assets | 11.8925% | 2,161 |
| Core capital (leverage) ratio | 11.5182% | 2,049 |
| Tier 1 risk-based capital ratio | 16.6700% | 2,738 |
| Total risk-based capital ratio | 18.1537% | 2,605 |
| Memoranda: | ||
| Average total assets | $649,762,500 | 1,041 |
| Average earning assets | $611,889,500 | 1,010 |
| Average equity | $75,905,750 | 970 |
| Average total loans | $471,833,000 | 944 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,840 |
| Cost of funding earning assets | 0.7528% | 910 |
| Net interest margin | 2.9542% | 5,627 |
| Noninterest income to average assets | 0.3131% | 4,912 |
| Noninterest expense to average assets | 2.6803% | 3,942 |
| Loan and lease loss provision to assets | 0.0998% | 2,357 |
| Net operating income to assets | 0.2303% | 5,758 |
| Return on assets (ROA) | 0.7182% | 3,834 |
| Pretax return on assets | 0.9721% | 3,602 |
| Return on Equity (ROE) | 6.1854% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.1854% | 2,220 |
| Net charge-offs to loans | 0.0110% | 4,037 |
| Credit loss provision to net charge-offs | 1,246.1538% | 285 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 894 |
| Efficiency ratio | 86.6607% | 1,202 |
| Assets per employee ($millions) | 5.6297% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 5,659 |
| Loan loss allowance to noncurrent loans | 62.1937% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 2,937 |
| Noncurrent loans to loans | 1.4823% | 2,341 |
| Net loans and leases to total assets | 71.2355% | 1,877 |
| Net loans and leases to deposits | 84.8631% | 1,947 |
| Net loans and leases to core deposits | 100.1990% | 1,270 |
| Total domestic deposits to total assets | 83.9417% | 3,934 |
| Equity capital to assets | 11.7413% | 2,212 |
| Core capital (leverage) ratio | 11.4217% | 2,071 |
| Tier 1 risk-based capital ratio | 16.6833% | 2,751 |
| Total risk-based capital ratio | 18.2090% | 2,597 |
| Memoranda: | ||
| Average total assets | $649,096,000 | 1,042 |
| Average earning assets | $610,784,670 | 1,016 |
| Average equity | $75,370,670 | 971 |
| Average total loans | $472,472,000 | 937 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 4,713 |
| Cost of funding earning assets | 0.7313% | 1,069 |
| Net interest margin | 3.0069% | 5,506 |
| Noninterest income to average assets | 0.3148% | 4,849 |
| Noninterest expense to average assets | 2.6993% | 3,936 |
| Loan and lease loss provision to assets | 0.0559% | 3,001 |
| Net operating income to assets | 0.2703% | 5,596 |
| Return on assets (ROA) | 0.9517% | 2,471 |
| Pretax return on assets | 1.3615% | 1,879 |
| Return on Equity (ROE) | 8.2433% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2433% | 1,513 |
| Net charge-offs to loans | 0.0220% | 3,140 |
| Credit loss provision to net charge-offs | 346.1538% | 720 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,106 |
| Efficiency ratio | 85.8779% | 1,471 |
| Assets per employee ($millions) | 5.6369% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 5,950 |
| Loan loss allowance to noncurrent loans | 77.9329% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 3,669 |
| Noncurrent loans to loans | 1.1143% | 3,194 |
| Net loans and leases to total assets | 73.4012% | 1,369 |
| Net loans and leases to deposits | 88.0761% | 1,353 |
| Net loans and leases to core deposits | 103.9400% | 859 |
| Total domestic deposits to total assets | 83.3384% | 4,490 |
| Equity capital to assets | 11.6937% | 2,107 |
| Core capital (leverage) ratio | 11.5012% | 1,965 |
| Tier 1 risk-based capital ratio | 16.4966% | 2,898 |
| Total risk-based capital ratio | 17.8986% | 2,802 |
| Memoranda: | ||
| Average total assets | $644,307,500 | 1,060 |
| Average earning assets | $606,074,000 | 1,038 |
| Average equity | $74,387,500 | 982 |
| Average total loans | $471,920,500 | 942 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 4,452 |
| Cost of funding earning assets | 0.8171% | 1,108 |
| Net interest margin | 3.0862% | 5,352 |
| Noninterest income to average assets | 0.3237% | 5,020 |
| Noninterest expense to average assets | 2.6809% | 4,161 |
| Loan and lease loss provision to assets | 0.1026% | 3,085 |
| Net operating income to assets | 0.3268% | 5,428 |
| Return on assets (ROA) | 0.6390% | 4,181 |
| Pretax return on assets | 0.8564% | 3,934 |
| Return on Equity (ROE) | 5.8142% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.8142% | 2,088 |
| Net charge-offs to loans | 0.1339% | 3,462 |
| Credit loss provision to net charge-offs | 106.9692% | 2,250 |
| Earnings coverage of net charge-offs (x) | 5.6564% | 3,248 |
| Efficiency ratio | 83.1661% | 1,729 |
| Assets per employee ($millions) | 5.2097% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,010 |
| Loan loss allowance to noncurrent loans | 81.8676% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 3,968 |
| Noncurrent loans to loans | 1.0617% | 3,388 |
| Net loans and leases to total assets | 71.8195% | 1,715 |
| Net loans and leases to deposits | 86.0161% | 1,684 |
| Net loans and leases to core deposits | 101.3330% | 1,069 |
| Total domestic deposits to total assets | 83.4954% | 4,364 |
| Equity capital to assets | 11.3977% | 2,238 |
| Core capital (leverage) ratio | 11.1836% | 2,211 |
| Tier 1 risk-based capital ratio | 16.3462% | 2,935 |
| Total risk-based capital ratio | 17.8714% | 2,751 |
| Memoranda: | ||
| Average total assets | $643,143,000 | 1,041 |
| Average earning assets | $604,308,200 | 1,016 |
| Average equity | $70,688,600 | 1,008 |
| Average total loans | $460,800,200 | 923 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 4,706 |
| Cost of funding earning assets | 0.8399% | 1,096 |
| Net interest margin | 2.9987% | 5,601 |
| Noninterest income to average assets | 0.3173% | 5,159 |
| Noninterest expense to average assets | 2.6327% | 4,266 |
| Loan and lease loss provision to assets | 0.1058% | 2,993 |
| Net operating income to assets | 0.2973% | 5,625 |
| Return on assets (ROA) | 0.6307% | 4,335 |
| Pretax return on assets | 0.8405% | 4,137 |
| Return on Equity (ROE) | 5.7923% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.7923% | 2,545 |
| Net charge-offs to loans | 0.0607% | 4,037 |
| Credit loss provision to net charge-offs | 244.0191% | 1,013 |
| Earnings coverage of net charge-offs (x) | 11.5694% | 2,226 |
| Efficiency ratio | 83.9899% | 1,600 |
| Assets per employee ($millions) | 5.2151% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 5,978 |
| Loan loss allowance to noncurrent loans | 43.6485% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 2,615 |
| Noncurrent loans to loans | 2.1325% | 2,095 |
| Net loans and leases to total assets | 71.7799% | 1,634 |
| Net loans and leases to deposits | 84.9096% | 1,755 |
| Net loans and leases to core deposits | 100.5398% | 1,076 |
| Total domestic deposits to total assets | 84.5369% | 3,956 |
| Equity capital to assets | 11.0689% | 2,699 |
| Core capital (leverage) ratio | 11.0674% | 2,416 |
| Tier 1 risk-based capital ratio | 16.1388% | 3,108 |
| Total risk-based capital ratio | 17.5205% | 3,016 |
| Memoranda: | ||
| Average total assets | $642,427,250 | 1,051 |
| Average earning assets | $603,527,750 | 1,021 |
| Average equity | $69,953,250 | 1,029 |
| Average total loans | $458,993,750 | 928 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 4,587 |
| Cost of funding earning assets | 0.8574% | 1,104 |
| Net interest margin | 3.0130% | 5,542 |
| Noninterest income to average assets | 0.3258% | 5,092 |
| Noninterest expense to average assets | 2.6654% | 4,159 |
| Loan and lease loss provision to assets | 0.1120% | 2,942 |
| Net operating income to assets | 0.2811% | 5,659 |
| Return on assets (ROA) | 0.7154% | 3,905 |
| Pretax return on assets | 0.9652% | 3,659 |
| Return on Equity (ROE) | 6.6060% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.6060% | 2,091 |
| Net charge-offs to loans | 0.1068% | 3,295 |
| Credit loss provision to net charge-offs | 147.5410% | 1,560 |
| Earnings coverage of net charge-offs (x) | 6.4590% | 2,712 |
| Efficiency ratio | 84.4607% | 1,586 |
| Assets per employee ($millions) | 5.4161% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,128 |
| Loan loss allowance to noncurrent loans | 40.1766% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 2,703 |
| Noncurrent loans to loans | 2.2431% | 2,125 |
| Net loans and leases to total assets | 70.6493% | 1,774 |
| Net loans and leases to deposits | 83.6920% | 1,835 |
| Net loans and leases to core deposits | 100.1963% | 1,062 |
| Total domestic deposits to total assets | 84.4158% | 4,160 |
| Equity capital to assets | 10.7759% | 2,970 |
| Core capital (leverage) ratio | 10.9262% | 2,430 |
| Tier 1 risk-based capital ratio | 16.0601% | 3,160 |
| Total risk-based capital ratio | 17.2986% | 3,107 |
| Memoranda: | ||
| Average total assets | $642,749,000 | 1,046 |
| Average earning assets | $603,709,670 | 1,021 |
| Average equity | $69,603,330 | 1,037 |
| Average total loans | $457,069,330 | 928 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 4,275 |
| Cost of funding earning assets | 0.8871% | 1,051 |
| Net interest margin | 3.0697% | 5,366 |
| Noninterest income to average assets | 0.3209% | 5,132 |
| Noninterest expense to average assets | 2.6716% | 4,180 |
| Loan and lease loss provision to assets | 0.1122% | 2,831 |
| Net operating income to assets | 0.3078% | 5,542 |
| Return on assets (ROA) | 0.8756% | 2,927 |
| Pretax return on assets | 1.1959% | 2,589 |
| Return on Equity (ROE) | 8.0656% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.0656% | 1,731 |
| Net charge-offs to loans | 0.0026% | 4,119 |
| Credit loss provision to net charge-offs | 6,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 283.6667% | 128 |
| Efficiency ratio | 83.4371% | 1,841 |
| Assets per employee ($millions) | 5.6040% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 6,219 |
| Loan loss allowance to noncurrent loans | 54.9425% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 3,575 |
| Noncurrent loans to loans | 1.6675% | 3,042 |
| Net loans and leases to total assets | 71.1334% | 1,499 |
| Net loans and leases to deposits | 84.8119% | 1,496 |
| Net loans and leases to core deposits | 101.7070% | 841 |
| Total domestic deposits to total assets | 83.8719% | 4,531 |
| Equity capital to assets | 11.0615% | 2,889 |
| Core capital (leverage) ratio | 10.8594% | 2,390 |
| Tier 1 risk-based capital ratio | 15.9281% | 3,310 |
| Total risk-based capital ratio | 17.2202% | 3,245 |
| Memoranda: | ||
| Average total assets | $641,863,500 | 1,058 |
| Average earning assets | $602,403,000 | 1,037 |
| Average equity | $69,678,500 | 1,045 |
| Average total loans | $455,859,000 | 928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 4,644 |
| Cost of funding earning assets | 1.0289% | 1,212 |
| Net interest margin | 3.1565% | 5,673 |
| Noninterest income to average assets | 0.3438% | 5,006 |
| Noninterest expense to average assets | 2.7973% | 4,029 |
| Loan and lease loss provision to assets | 0.1359% | 3,927 |
| Net operating income to assets | 0.2834% | 5,528 |
| Return on assets (ROA) | 0.5310% | 4,827 |
| Pretax return on assets | 0.6834% | 4,720 |
| Return on Equity (ROE) | 5.1296% | 4,616 |
| Retained earnings to average equity (ytd only) | 5.1296% | 2,617 |
| Net charge-offs to loans | 0.0448% | 5,283 |
| Credit loss provision to net charge-offs | 444.1624% | 545 |
| Earnings coverage of net charge-offs (x) | 16.4010% | 1,579 |
| Efficiency ratio | 84.7924% | 1,537 |
| Assets per employee ($millions) | 5.4191% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,289 |
| Loan loss allowance to noncurrent loans | 57.6565% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 3,855 |
| Noncurrent loans to loans | 1.5408% | 3,303 |
| Net loans and leases to total assets | 69.6343% | 1,911 |
| Net loans and leases to deposits | 82.6346% | 1,916 |
| Net loans and leases to core deposits | 99.4638% | 1,053 |
| Total domestic deposits to total assets | 84.2677% | 4,196 |
| Equity capital to assets | 10.6517% | 3,335 |
| Core capital (leverage) ratio | 10.5553% | 2,698 |
| Tier 1 risk-based capital ratio | 15.5108% | 3,418 |
| Total risk-based capital ratio | 16.5876% | 3,475 |
| Memoranda: | ||
| Average total assets | $644,021,600 | 1,023 |
| Average earning assets | $602,955,400 | 993 |
| Average equity | $66,672,400 | 1,060 |
| Average total loans | $439,372,400 | 948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 4,724 |
| Cost of funding earning assets | 1.0564% | 1,256 |
| Net interest margin | 3.1704% | 5,771 |
| Noninterest income to average assets | 0.3808% | 4,774 |
| Noninterest expense to average assets | 2.7728% | 4,084 |
| Loan and lease loss provision to assets | 0.1501% | 3,660 |
| Net operating income to assets | 0.3160% | 5,559 |
| Return on assets (ROA) | 0.5877% | 4,717 |
| Pretax return on assets | 0.7936% | 4,511 |
| Return on Equity (ROE) | 5.7186% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.7186% | 2,885 |
| Net charge-offs to loans | 0.0046% | 5,699 |
| Credit loss provision to net charge-offs | 4,833.3333% | 57 |
| Earnings coverage of net charge-offs (x) | 185.5955% | 240 |
| Efficiency ratio | 82.7861% | 1,726 |
| Assets per employee ($millions) | 5.3708% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,345 |
| Loan loss allowance to noncurrent loans | 78.8379% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 4,433 |
| Noncurrent loans to loans | 1.1579% | 4,125 |
| Net loans and leases to total assets | 68.3287% | 2,244 |
| Net loans and leases to deposits | 80.7087% | 2,289 |
| Net loans and leases to core deposits | 97.6777% | 1,287 |
| Total domestic deposits to total assets | 84.6610% | 3,912 |
| Equity capital to assets | 10.6014% | 3,731 |
| Core capital (leverage) ratio | 10.5311% | 2,877 |
| Tier 1 risk-based capital ratio | 15.4666% | 3,562 |
| Total risk-based capital ratio | 16.5711% | 3,589 |
| Memoranda: | ||
| Average total assets | $643,809,000 | 1,031 |
| Average earning assets | $602,815,000 | 1,001 |
| Average equity | $66,168,000 | 1,074 |
| Average total loans | $435,946,250 | 962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 4,669 |
| Cost of funding earning assets | 1.0879% | 1,268 |
| Net interest margin | 3.1860% | 5,778 |
| Noninterest income to average assets | 0.3247% | 5,230 |
| Noninterest expense to average assets | 2.8553% | 3,801 |
| Loan and lease loss provision to assets | 0.1631% | 3,470 |
| Net operating income to assets | 0.2032% | 5,907 |
| Return on assets (ROA) | 0.5410% | 4,904 |
| Pretax return on assets | 0.7685% | 4,576 |
| Return on Equity (ROE) | 5.3202% | 4,658 |
| Retained earnings to average equity (ytd only) | 5.3202% | 3,079 |
| Net charge-offs to loans | 0.0046% | 5,442 |
| Credit loss provision to net charge-offs | 5,250.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 144.5000% | 312 |
| Efficiency ratio | 86.4102% | 1,392 |
| Assets per employee ($millions) | 5.3368% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 6,496 |
| Loan loss allowance to noncurrent loans | 73.1994% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 4,451 |
| Noncurrent loans to loans | 1.2099% | 4,135 |
| Net loans and leases to total assets | 66.9280% | 2,480 |
| Net loans and leases to deposits | 78.5774% | 2,585 |
| Net loans and leases to core deposits | 95.6346% | 1,462 |
| Total domestic deposits to total assets | 85.1746% | 3,782 |
| Equity capital to assets | 10.2631% | 3,980 |
| Core capital (leverage) ratio | 10.2684% | 3,078 |
| Tier 1 risk-based capital ratio | 15.1015% | 3,709 |
| Total risk-based capital ratio | 16.0272% | 3,880 |
| Memoranda: | ||
| Average total assets | $643,581,000 | 1,030 |
| Average earning assets | $601,892,670 | 1,003 |
| Average equity | $65,449,000 | 1,076 |
| Average total loans | $433,118,000 | 966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 4,779 |
| Cost of funding earning assets | 1.1366% | 1,228 |
| Net interest margin | 3.1536% | 5,900 |
| Noninterest income to average assets | 0.3449% | 5,100 |
| Noninterest expense to average assets | 2.8271% | 3,917 |
| Loan and lease loss provision to assets | 0.1868% | 3,094 |
| Net operating income to assets | 0.1905% | 6,012 |
| Return on assets (ROA) | 0.5522% | 4,797 |
| Pretax return on assets | 0.7894% | 4,455 |
| Return on Equity (ROE) | 5.4554% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.4554% | 3,286 |
| Net charge-offs to loans | 0.0324% | 4,232 |
| Credit loss provision to net charge-offs | 857.1429% | 408 |
| Earnings coverage of net charge-offs (x) | 21.0857% | 1,166 |
| Efficiency ratio | 86.0201% | 1,484 |
| Assets per employee ($millions) | 5.6335% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 6,671 |
| Loan loss allowance to noncurrent loans | 101.7465% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 4,900 |
| Noncurrent loans to loans | 0.8235% | 5,028 |
| Net loans and leases to total assets | 66.5652% | 2,369 |
| Net loans and leases to deposits | 78.3349% | 2,443 |
| Net loans and leases to core deposits | 95.6399% | 1,324 |
| Total domestic deposits to total assets | 84.9752% | 4,056 |
| Equity capital to assets | 10.2227% | 3,823 |
| Core capital (leverage) ratio | 10.1396% | 3,189 |
| Tier 1 risk-based capital ratio | 14.8763% | 3,838 |
| Total risk-based capital ratio | 15.8731% | 3,967 |
| Memoranda: | ||
| Average total assets | $642,492,500 | 1,029 |
| Average earning assets | $599,324,500 | 1,005 |
| Average equity | $65,036,000 | 1,080 |
| Average total loans | $431,649,500 | 966 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 4,812 |
| Cost of funding earning assets | 1.3126% | 1,424 |
| Net interest margin | 3.2516% | 5,958 |
| Noninterest income to average assets | 0.3755% | 4,823 |
| Noninterest expense to average assets | 2.7789% | 4,432 |
| Loan and lease loss provision to assets | 0.2351% | 3,851 |
| Net operating income to assets | 0.2785% | 5,336 |
| Return on assets (ROA) | 0.4970% | 4,654 |
| Pretax return on assets | 0.7230% | 4,243 |
| Return on Equity (ROE) | 4.9536% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.9536% | 2,680 |
| Net charge-offs to loans | 0.4783% | 3,079 |
| Credit loss provision to net charge-offs | 69.4315% | 4,869 |
| Earnings coverage of net charge-offs (x) | 1.8942% | 4,354 |
| Efficiency ratio | 81.2474% | 2,126 |
| Assets per employee ($millions) | 5.7390% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 6,793 |
| Loan loss allowance to noncurrent loans | 86.1519% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 4,878 |
| Noncurrent loans to loans | 0.8989% | 4,888 |
| Net loans and leases to total assets | 66.7188% | 2,636 |
| Net loans and leases to deposits | 77.9516% | 2,850 |
| Net loans and leases to core deposits | 96.2034% | 1,474 |
| Total domestic deposits to total assets | 85.5900% | 3,544 |
| Equity capital to assets | 10.0223% | 4,141 |
| Core capital (leverage) ratio | 9.8587% | 3,508 |
| Tier 1 risk-based capital ratio | 14.8815% | 3,711 |
| Total risk-based capital ratio | 15.7609% | 3,941 |
| Memoranda: | ||
| Average total assets | $633,784,000 | 1,023 |
| Average earning assets | $593,457,000 | 993 |
| Average equity | $63,590,400 | 1,061 |
| Average total loans | $448,662,600 | 933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 4,889 |
| Cost of funding earning assets | 1.3348% | 1,527 |
| Net interest margin | 3.2586% | 5,990 |
| Noninterest income to average assets | 0.3635% | 4,959 |
| Noninterest expense to average assets | 2.5934% | 5,103 |
| Loan and lease loss provision to assets | 0.2639% | 3,396 |
| Net operating income to assets | 0.3727% | 5,117 |
| Return on assets (ROA) | 0.5438% | 4,533 |
| Pretax return on assets | 0.8223% | 4,047 |
| Return on Equity (ROE) | 5.4188% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.4188% | 2,899 |
| Net charge-offs to loans | 0.5421% | 2,612 |
| Credit loss provision to net charge-offs | 67.8979% | 4,548 |
| Earnings coverage of net charge-offs (x) | 2.1276% | 4,070 |
| Efficiency ratio | 75.8225% | 2,867 |
| Assets per employee ($millions) | 5.5087% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 6,845 |
| Loan loss allowance to noncurrent loans | 70.8031% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9958% | 4,763 |
| Noncurrent loans to loans | 1.1065% | 4,708 |
| Net loans and leases to total assets | 66.4719% | 2,790 |
| Net loans and leases to deposits | 78.0047% | 2,990 |
| Net loans and leases to core deposits | 96.1914% | 1,591 |
| Total domestic deposits to total assets | 85.2153% | 3,667 |
| Equity capital to assets | 9.7913% | 4,635 |
| Core capital (leverage) ratio | 9.9530% | 3,504 |
| Tier 1 risk-based capital ratio | 14.7892% | 3,781 |
| Total risk-based capital ratio | 15.5915% | 4,059 |
| Memoranda: | ||
| Average total assets | $631,538,000 | 1,034 |
| Average earning assets | $592,422,500 | 1,003 |
| Average equity | $63,383,000 | 1,070 |
| Average total loans | $452,779,750 | 941 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 4,665 |
| Cost of funding earning assets | 1.3579% | 1,610 |
| Net interest margin | 3.3110% | 5,824 |
| Noninterest income to average assets | 0.3489% | 5,093 |
| Noninterest expense to average assets | 2.6541% | 4,991 |
| Loan and lease loss provision to assets | 0.1919% | 4,008 |
| Net operating income to assets | 0.3967% | 4,963 |
| Return on assets (ROA) | 0.5283% | 4,527 |
| Pretax return on assets | 0.8136% | 3,976 |
| Return on Equity (ROE) | 5.2200% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.2200% | 2,863 |
| Net charge-offs to loans | 0.0013% | 5,869 |
| Credit loss provision to net charge-offs | 20,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 837.0000% | 31 |
| Efficiency ratio | 76.7715% | 2,893 |
| Assets per employee ($millions) | 5.5506% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,269 |
| Loan loss allowance to noncurrent loans | 58.5465% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 4,360 |
| Noncurrent loans to loans | 1.7341% | 3,840 |
| Net loans and leases to total assets | 70.2627% | 2,167 |
| Net loans and leases to deposits | 82.7288% | 2,330 |
| Net loans and leases to core deposits | 103.2694% | 1,095 |
| Total domestic deposits to total assets | 84.9314% | 3,905 |
| Equity capital to assets | 10.0899% | 4,030 |
| Core capital (leverage) ratio | 10.1079% | 3,135 |
| Tier 1 risk-based capital ratio | 14.4564% | 3,820 |
| Total risk-based capital ratio | 15.7191% | 3,781 |
| Memoranda: | ||
| Average total assets | $625,374,670 | 1,056 |
| Average earning assets | $587,073,000 | 1,019 |
| Average equity | $63,295,330 | 1,068 |
| Average total loans | $458,540,330 | 946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 4,007 |
| Cost of funding earning assets | 1.3934% | 1,642 |
| Net interest margin | 3.4188% | 5,354 |
| Noninterest income to average assets | 0.3102% | 5,450 |
| Noninterest expense to average assets | 2.6447% | 5,060 |
| Loan and lease loss provision to assets | 0.1939% | 3,689 |
| Net operating income to assets | 0.4235% | 4,840 |
| Return on assets (ROA) | 0.5868% | 4,170 |
| Pretax return on assets | 0.9397% | 3,365 |
| Return on Equity (ROE) | 5.7890% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.7890% | 2,760 |
| Net charge-offs to loans | 0.0009% | 5,104 |
| Credit loss provision to net charge-offs | 30,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,359.0000% | 7 |
| Efficiency ratio | 75.0688% | 3,321 |
| Assets per employee ($millions) | 5.7789% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 6,604 |
| Loan loss allowance to noncurrent loans | 118.2193% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 5,645 |
| Noncurrent loans to loans | 0.7916% | 5,451 |
| Net loans and leases to total assets | 73.6502% | 1,400 |
| Net loans and leases to deposits | 86.3618% | 1,673 |
| Net loans and leases to core deposits | 109.1158% | 779 |
| Total domestic deposits to total assets | 85.2811% | 3,897 |
| Equity capital to assets | 10.2284% | 3,504 |
| Core capital (leverage) ratio | 10.0775% | 3,064 |
| Tier 1 risk-based capital ratio | 14.2228% | 3,919 |
| Total risk-based capital ratio | 15.4136% | 3,931 |
| Memoranda: | ||
| Average total assets | $618,902,000 | 1,078 |
| Average earning assets | $581,609,000 | 1,039 |
| Average equity | $62,740,000 | 1,072 |
| Average total loans | $461,260,000 | 951 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 4,648 |
| Cost of funding earning assets | 1.7661% | 1,318 |
| Net interest margin | 3.2145% | 6,234 |
| Noninterest income to average assets | 0.3158% | 5,534 |
| Noninterest expense to average assets | 2.5035% | 5,782 |
| Loan and lease loss provision to assets | 0.1948% | 5,285 |
| Net operating income to assets | 0.4667% | 4,242 |
| Return on assets (ROA) | 0.5285% | 4,127 |
| Pretax return on assets | 0.7404% | 3,831 |
| Return on Equity (ROE) | 5.4542% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.4542% | 2,145 |
| Net charge-offs to loans | 0.0649% | 6,144 |
| Credit loss provision to net charge-offs | 406.7797% | 596 |
| Earnings coverage of net charge-offs (x) | 17.7153% | 1,135 |
| Efficiency ratio | 74.6937% | 3,257 |
| Assets per employee ($millions) | 5.6832% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 6,811 |
| Loan loss allowance to noncurrent loans | 309.5901% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 6,615 |
| Noncurrent loans to loans | 0.2794% | 6,499 |
| Net loans and leases to total assets | 74.0650% | 1,649 |
| Net loans and leases to deposits | 86.1220% | 2,071 |
| Net loans and leases to core deposits | 110.1995% | 907 |
| Total domestic deposits to total assets | 86.0002% | 3,359 |
| Equity capital to assets | 10.0464% | 3,693 |
| Core capital (leverage) ratio | 9.8979% | 3,211 |
| Tier 1 risk-based capital ratio | 13.7293% | 4,037 |
| Total risk-based capital ratio | 14.7664% | 4,160 |
| Memoranda: | ||
| Average total assets | $616,140,000 | 1,084 |
| Average earning assets | $581,891,800 | 1,036 |
| Average equity | $59,697,000 | 1,114 |
| Average total loans | $454,515,000 | 992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 4,860 |
| Cost of funding earning assets | 1.8366% | 1,277 |
| Net interest margin | 3.1544% | 6,469 |
| Noninterest income to average assets | 0.3233% | 5,571 |
| Noninterest expense to average assets | 2.5188% | 5,643 |
| Loan and lease loss provision to assets | 0.1950% | 5,088 |
| Net operating income to assets | 0.4342% | 4,612 |
| Return on assets (ROA) | 0.5044% | 4,487 |
| Pretax return on assets | 0.6854% | 4,279 |
| Return on Equity (ROE) | 5.2553% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.2553% | 2,809 |
| Net charge-offs to loans | 0.0872% | 5,661 |
| Credit loss provision to net charge-offs | 304.0541% | 1,050 |
| Earnings coverage of net charge-offs (x) | 12.2465% | 1,706 |
| Efficiency ratio | 76.2279% | 2,899 |
| Assets per employee ($millions) | 5.3068% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 6,993 |
| Loan loss allowance to noncurrent loans | 290.5808% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,778 |
| Noncurrent loans to loans | 0.2767% | 6,632 |
| Net loans and leases to total assets | 74.1851% | 1,761 |
| Net loans and leases to deposits | 85.7848% | 2,391 |
| Net loans and leases to core deposits | 110.1372% | 1,028 |
| Total domestic deposits to total assets | 86.4781% | 2,812 |
| Equity capital to assets | 9.9666% | 4,199 |
| Core capital (leverage) ratio | 9.8021% | 3,483 |
| Tier 1 risk-based capital ratio | 13.3578% | 4,304 |
| Total risk-based capital ratio | 14.2187% | 4,579 |
| Memoranda: | ||
| Average total assets | $615,308,750 | 1,091 |
| Average earning assets | $581,481,000 | 1,042 |
| Average equity | $59,062,750 | 1,130 |
| Average total loans | $452,441,250 | 998 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 5,127 |
| Cost of funding earning assets | 1.9269% | 1,121 |
| Net interest margin | 3.0344% | 6,758 |
| Noninterest income to average assets | 0.3329% | 5,495 |
| Noninterest expense to average assets | 2.5601% | 5,489 |
| Loan and lease loss provision to assets | 0.1951% | 4,929 |
| Net operating income to assets | 0.3525% | 4,962 |
| Return on assets (ROA) | 0.4405% | 4,738 |
| Pretax return on assets | 0.5657% | 4,685 |
| Return on Equity (ROE) | 4.6484% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.6484% | 3,112 |
| Net charge-offs to loans | 0.1063% | 5,093 |
| Credit loss provision to net charge-offs | 251.0460% | 1,520 |
| Earnings coverage of net charge-offs (x) | 8.3389% | 2,151 |
| Efficiency ratio | 79.8034% | 2,467 |
| Assets per employee ($millions) | 5.6033% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 7,160 |
| Loan loss allowance to noncurrent loans | 413.2616% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 6,895 |
| Noncurrent loans to loans | 0.1806% | 6,891 |
| Net loans and leases to total assets | 73.9577% | 1,917 |
| Net loans and leases to deposits | 85.1266% | 2,676 |
| Net loans and leases to core deposits | 109.6684% | 1,186 |
| Total domestic deposits to total assets | 86.8796% | 2,600 |
| Equity capital to assets | 9.4878% | 4,719 |
| Core capital (leverage) ratio | 9.3758% | 4,003 |
| Tier 1 risk-based capital ratio | 13.2594% | 4,242 |
| Total risk-based capital ratio | 14.0491% | 4,573 |
| Memoranda: | ||
| Average total assets | $615,216,330 | 1,092 |
| Average earning assets | $582,917,000 | 1,053 |
| Average equity | $58,299,330 | 1,140 |
| Average total loans | $449,796,670 | 1,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 5,264 |
| Cost of funding earning assets | 2.0492% | 945 |
| Net interest margin | 2.8924% | 7,029 |
| Noninterest income to average assets | 0.3184% | 5,597 |
| Noninterest expense to average assets | 2.5706% | 5,475 |
| Loan and lease loss provision to assets | 0.1961% | 4,540 |
| Net operating income to assets | 0.2648% | 5,437 |
| Return on assets (ROA) | 0.3713% | 5,095 |
| Pretax return on assets | 0.4093% | 5,265 |
| Return on Equity (ROE) | 3.9211% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.9211% | 3,784 |
| Net charge-offs to loans | 0.0948% | 4,466 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | 7.1143% | 2,129 |
| Efficiency ratio | 84.0351% | 2,016 |
| Assets per employee ($millions) | 5.9483% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 7,281 |
| Loan loss allowance to noncurrent loans | 334.6545% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 6,861 |
| Noncurrent loans to loans | 0.2196% | 6,893 |
| Net loans and leases to total assets | 71.9159% | 2,465 |
| Net loans and leases to deposits | 83.4850% | 3,026 |
| Net loans and leases to core deposits | 110.5247% | 1,239 |
| Total domestic deposits to total assets | 86.1423% | 3,073 |
| Equity capital to assets | 9.4773% | 4,568 |
| Core capital (leverage) ratio | 9.5296% | 3,721 |
| Tier 1 risk-based capital ratio | 13.2377% | 4,178 |
| Total risk-based capital ratio | 14.0121% | 4,476 |
| Memoranda: | ||
| Average total assets | $611,842,500 | 1,123 |
| Average earning assets | $579,727,500 | 1,081 |
| Average equity | $57,943,500 | 1,148 |
| Average total loans | $442,970,500 | 1,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 5,446 |
| Cost of funding earning assets | 2.2677% | 1,779 |
| Net interest margin | 2.9748% | 6,706 |
| Noninterest income to average assets | 0.3057% | 5,902 |
| Noninterest expense to average assets | 2.6170% | 5,724 |
| Loan and lease loss provision to assets | 0.1545% | 6,126 |
| Net operating income to assets | 0.2678% | 4,656 |
| Return on assets (ROA) | 0.1845% | 5,019 |
| Pretax return on assets | 0.2360% | 4,924 |
| Return on Equity (ROE) | 1.8311% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.8311% | 3,819 |
| Net charge-offs to loans | 0.0800% | 6,310 |
| Credit loss provision to net charge-offs | 263.3229% | 1,332 |
| Earnings coverage of net charge-offs (x) | 8.4765% | 1,942 |
| Efficiency ratio | 84.0321% | 2,345 |
| Assets per employee ($millions) | 5.7082% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 7,363 |
| Loan loss allowance to noncurrent loans | 371.0180% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 7,032 |
| Noncurrent loans to loans | 0.1907% | 6,946 |
| Net loans and leases to total assets | 71.8375% | 2,794 |
| Net loans and leases to deposits | 84.0806% | 3,251 |
| Net loans and leases to core deposits | 138.5810% | 857 |
| Total domestic deposits to total assets | 85.4388% | 3,327 |
| Equity capital to assets | 9.4632% | 4,471 |
| Core capital (leverage) ratio | 9.4900% | 3,734 |
| Tier 1 risk-based capital ratio | 13.2224% | 3,999 |
| Total risk-based capital ratio | 13.9443% | 4,303 |
| Memoranda: | ||
| Average total assets | $543,742,400 | 1,274 |
| Average earning assets | $513,381,600 | 1,227 |
| Average equity | $54,777,200 | 1,200 |
| Average total loans | $398,812,600 | 1,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 5,631 |
| Cost of funding earning assets | 2.2747% | 2,092 |
| Net interest margin | 2.9857% | 6,641 |
| Noninterest income to average assets | 0.3051% | 6,040 |
| Noninterest expense to average assets | 2.6496% | 5,523 |
| Loan and lease loss provision to assets | 0.0984% | 6,383 |
| Net operating income to assets | 0.2805% | 4,862 |
| Return on assets (ROA) | 0.2750% | 4,988 |
| Pretax return on assets | 0.3671% | 4,885 |
| Return on Equity (ROE) | 2.6835% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.6835% | 3,827 |
| Net charge-offs to loans | 0.0206% | 6,614 |
| Credit loss provision to net charge-offs | 650.0000% | 573 |
| Earnings coverage of net charge-offs (x) | 31.2325% | 910 |
| Efficiency ratio | 84.8566% | 2,203 |
| Assets per employee ($millions) | 5.7084% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 7,377 |
| Loan loss allowance to noncurrent loans | 224.6522% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 6,968 |
| Noncurrent loans to loans | 0.3104% | 6,744 |
| Net loans and leases to total assets | 70.4159% | 3,411 |
| Net loans and leases to deposits | 82.1774% | 3,989 |
| Net loans and leases to core deposits | 134.5901% | 1,172 |
| Total domestic deposits to total assets | 85.6877% | 2,868 |
| Equity capital to assets | 9.8122% | 4,334 |
| Core capital (leverage) ratio | 10.4182% | 2,860 |
| Tier 1 risk-based capital ratio | 13.9171% | 3,598 |
| Total risk-based capital ratio | 14.6422% | 3,866 |
| Memoranda: | ||
| Average total assets | $528,411,250 | 1,316 |
| Average earning assets | $498,629,750 | 1,275 |
| Average equity | $54,156,750 | 1,233 |
| Average total loans | $389,075,000 | 1,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 5,143 |
| Cost of funding earning assets | 2.3848% | 2,028 |
| Net interest margin | 3.0171% | 6,495 |
| Noninterest income to average assets | 0.3142% | 5,996 |
| Noninterest expense to average assets | 2.7139% | 5,333 |
| Loan and lease loss provision to assets | 0.0826% | 6,353 |
| Net operating income to assets | 0.2876% | 4,953 |
| Return on assets (ROA) | 0.2930% | 5,034 |
| Pretax return on assets | 0.3638% | 5,035 |
| Return on Equity (ROE) | 2.8125% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.8125% | 3,754 |
| Net charge-offs to loans | -0.0016% | 7,472 |
| Credit loss provision to net charge-offs | -7,000.0000% | 7,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0581% | 2,224 |
| Assets per employee ($millions) | 4.9013% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 7,424 |
| Loan loss allowance to noncurrent loans | 446.4000% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 7,265 |
| Noncurrent loans to loans | 0.1570% | 7,130 |
| Net loans and leases to total assets | 75.3978% | 2,345 |
| Net loans and leases to deposits | 89.4512% | 2,904 |
| Net loans and leases to core deposits | 138.5937% | 1,074 |
| Total domestic deposits to total assets | 84.2893% | 3,598 |
| Equity capital to assets | 10.3765% | 3,540 |
| Core capital (leverage) ratio | 10.6592% | 2,694 |
| Tier 1 risk-based capital ratio | 14.1728% | 3,422 |
| Total risk-based capital ratio | 14.8941% | 3,655 |
| Memoranda: | ||
| Average total assets | $508,561,330 | 1,389 |
| Average earning assets | $478,609,000 | 1,353 |
| Average equity | $52,978,330 | 1,281 |
| Average total loans | $379,791,670 | 1,308 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 5,352 |
| Cost of funding earning assets | 2.4899% | 1,956 |
| Net interest margin | 2.9233% | 6,689 |
| Noninterest income to average assets | 0.3148% | 5,927 |
| Noninterest expense to average assets | 2.6839% | 5,081 |
| Loan and lease loss provision to assets | 0.0719% | 6,063 |
| Net operating income to assets | 0.2907% | 5,331 |
| Return on assets (ROA) | 0.3036% | 5,458 |
| Pretax return on assets | 0.3212% | 5,618 |
| Return on Equity (ROE) | 2.9086% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.9086% | 4,247 |
| Net charge-offs to loans | -0.0076% | 7,239 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6109% | 1,923 |
| Assets per employee ($millions) | 4.8573% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 7,387 |
| Loan loss allowance to noncurrent loans | 798.2090% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 7,396 |
| Noncurrent loans to loans | 0.0901% | 7,267 |
| Net loans and leases to total assets | 73.1031% | 2,986 |
| Net loans and leases to deposits | 86.0318% | 3,624 |
| Net loans and leases to core deposits | 135.0538% | 1,354 |
| Total domestic deposits to total assets | 84.9723% | 3,220 |
| Equity capital to assets | 10.2322% | 3,728 |
| Core capital (leverage) ratio | 10.8486% | 2,618 |
| Tier 1 risk-based capital ratio | 15.0331% | 3,053 |
| Total risk-based capital ratio | 15.7737% | 3,224 |
| Memoranda: | ||
| Average total assets | $500,620,000 | 1,418 |
| Average earning assets | $470,702,500 | 1,380 |
| Average equity | $52,258,000 | 1,310 |
| Average total loans | $370,583,000 | 1,361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6362% | 6,973 |
| Cost of funding earning assets | 2.8555% | 2,461 |
| Net interest margin | 2.7808% | 7,364 |
| Noninterest income to average assets | 0.2921% | 6,375 |
| Noninterest expense to average assets | 2.5251% | 5,912 |
| Loan and lease loss provision to assets | 0.0331% | 6,992 |
| Net operating income to assets | 0.2068% | 5,831 |
| Return on assets (ROA) | 0.0006% | 6,228 |
| Pretax return on assets | 0.0220% | 6,113 |
| Return on Equity (ROE) | 0.0054% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.0054% | 5,236 |
| Net charge-offs to loans | 0.0179% | 6,620 |
| Credit loss provision to net charge-offs | 270.4918% | 1,702 |
| Earnings coverage of net charge-offs (x) | 30.8689% | 1,146 |
| Efficiency ratio | 87.0021% | 1,765 |
| Assets per employee ($millions) | 4.8163% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 7,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.9049% | 3,124 |
| Net loans and leases to deposits | 86.2737% | 4,077 |
| Net loans and leases to core deposits | 136.6562% | 1,454 |
| Total domestic deposits to total assets | 85.6632% | 2,557 |
| Equity capital to assets | 10.6489% | 3,349 |
| Core capital (leverage) ratio | 10.7933% | 2,749 |
| Tier 1 risk-based capital ratio | 15.2127% | 2,955 |
| Total risk-based capital ratio | 15.9355% | 3,130 |
| Memoranda: | ||
| Average total assets | $499,144,200 | 1,351 |
| Average earning assets | $468,541,400 | 1,324 |
| Average equity | $55,344,600 | 1,218 |
| Average total loans | $341,277,600 | 1,423 |