Home > Reliance Savings Bank > Performance and Condition Ratios
Reliance Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 3,274 |
| Cost of funding earning assets | 1.5590% | 1,792 |
| Net interest margin | 2.8392% | 3,590 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.3832% | 2,635 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.4761% | 3,721 |
| Return on assets (ROA) | 0.4740% | 3,724 |
| Pretax return on assets | 0.5971% | 3,637 |
| Return on Equity (ROE) | 4.8300% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.8283% | 2,664 |
| Net charge-offs to loans | 0.0433% | 1,459 |
| Credit loss provision to net charge-offs | 564.8352% | 619 |
| Earnings coverage of net charge-offs (x) | 26.9121% | 1,696 |
| Efficiency ratio | 75.7092% | 1,273 |
| Assets per employee ($millions) | 6.9857% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,389 |
| Loan loss allowance to noncurrent loans | 964.2857% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 2,950 |
| Noncurrent loans to loans | 0.1227% | 2,905 |
| Net loans and leases to total assets | 65.2200% | 2,342 |
| Net loans and leases to deposits | 80.8420% | 2,042 |
| Net loans and leases to core deposits | 87.6875% | 2,195 |
| Total domestic deposits to total assets | 80.6800% | 3,359 |
| Equity capital to assets | 10.3231% | 1,834 |
| Core capital (leverage) ratio | 11.3700% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0821% | 1,068 |
| Memoranda: | ||
| Average total assets | $640,555,400 | 1,398 |
| Average earning assets | $599,610,600 | 1,378 |
| Average equity | $62,879,800 | 1,347 |
| Average total loans | $420,157,400 | 1,426 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 3,297 |
| Cost of funding earning assets | 1.4035% | 1,857 |
| Net interest margin | 2.8941% | 3,559 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.4273% | 2,445 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.4513% | 3,866 |
| Return on assets (ROA) | 0.4487% | 3,869 |
| Pretax return on assets | 0.6162% | 3,711 |
| Return on Equity (ROE) | 4.6300% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.6323% | 3,066 |
| Net charge-offs to loans | 0.0221% | 1,659 |
| Credit loss provision to net charge-offs | 872.4638% | 439 |
| Earnings coverage of net charge-offs (x) | 52.1739% | 1,288 |
| Efficiency ratio | 76.2971% | 1,149 |
| Assets per employee ($millions) | 7.1150% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,644 |
| Loan loss allowance to noncurrent loans | 749.1446% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,856 |
| Noncurrent loans to loans | 0.1529% | 2,785 |
| Net loans and leases to total assets | 65.6300% | 2,277 |
| Net loans and leases to deposits | 81.5488% | 1,933 |
| Net loans and leases to core deposits | 88.1565% | 2,041 |
| Total domestic deposits to total assets | 80.4900% | 3,460 |
| Equity capital to assets | 9.6099% | 2,037 |
| Core capital (leverage) ratio | 11.5495% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1869% | 1,068 |
| Memoranda: | ||
| Average total assets | $636,530,250 | 1,399 |
| Average earning assets | $596,097,250 | 1,388 |
| Average equity | $61,653,000 | 1,355 |
| Average total loans | $416,841,000 | 1,428 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,242 |
| Cost of funding earning assets | 1.2924% | 1,730 |
| Net interest margin | 2.9330% | 3,587 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.4415% | 2,370 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.4548% | 3,909 |
| Return on assets (ROA) | 0.4536% | 3,913 |
| Pretax return on assets | 0.6327% | 3,738 |
| Return on Equity (ROE) | 4.6700% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.6706% | 3,036 |
| Net charge-offs to loans | 0.0038% | 2,166 |
| Credit loss provision to net charge-offs | 5,212.5000% | 107 |
| Earnings coverage of net charge-offs (x) | 303.1250% | 447 |
| Efficiency ratio | 76.2464% | 1,153 |
| Assets per employee ($millions) | 7.2356% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,829 |
| Loan loss allowance to noncurrent loans | 1,069.0205% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 2,886 |
| Noncurrent loans to loans | 0.1051% | 2,964 |
| Net loans and leases to total assets | 64.1500% | 2,364 |
| Net loans and leases to deposits | 80.3067% | 1,950 |
| Net loans and leases to core deposits | 85.4324% | 2,115 |
| Total domestic deposits to total assets | 79.8800% | 3,597 |
| Equity capital to assets | 9.6664% | 2,050 |
| Core capital (leverage) ratio | 11.2826% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8491% | 1,147 |
| Memoranda: | ||
| Average total assets | $637,630,000 | 1,396 |
| Average earning assets | $597,485,667 | 1,384 |
| Average equity | $61,919,667 | 1,355 |
| Average total loans | $415,642,667 | 1,412 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 3,191 |
| Cost of funding earning assets | 1.2012% | 1,447 |
| Net interest margin | 2.9272% | 3,743 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.4657% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5227% | 3,840 |
| Return on assets (ROA) | 0.5227% | 3,800 |
| Pretax return on assets | 0.7219% | 3,616 |
| Return on Equity (ROE) | 5.3700% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.3696% | 2,932 |
| Net charge-offs to loans | -0.0405% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.3231% | 1,064 |
| Assets per employee ($millions) | 7.8038% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,358 |
| Loan loss allowance to noncurrent loans | 703.7398% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 2,870 |
| Noncurrent loans to loans | 0.1472% | 2,758 |
| Net loans and leases to total assets | 63.8400% | 2,264 |
| Net loans and leases to deposits | 80.7089% | 1,768 |
| Net loans and leases to core deposits | 85.5969% | 1,890 |
| Total domestic deposits to total assets | 79.1000% | 3,888 |
| Equity capital to assets | 9.7503% | 1,963 |
| Core capital (leverage) ratio | 11.3082% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5422% | 1,254 |
| Memoranda: | ||
| Average total assets | $634,459,000 | 1,422 |
| Average earning assets | $594,419,500 | 1,413 |
| Average equity | $61,755,000 | 1,366 |
| Average total loans | $414,561,500 | 1,434 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 3,374 |
| Cost of funding earning assets | 0.4881% | 1,479 |
| Net interest margin | 2.8991% | 3,683 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.3417% | 2,610 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.7974% | 3,339 |
| Return on assets (ROA) | 0.7973% | 3,263 |
| Pretax return on assets | 0.9922% | 3,092 |
| Return on Equity (ROE) | 8.2300% | 3,322 |
| Retained earnings to average equity (ytd only) | 8.2309% | 1,747 |
| Net charge-offs to loans | 0.0424% | 1,268 |
| Credit loss provision to net charge-offs | -286.1446% | 4,617 |
| Earnings coverage of net charge-offs (x) | 35.4819% | 1,577 |
| Efficiency ratio | 71.8317% | 1,465 |
| Assets per employee ($millions) | 7.2233% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,672 |
| Loan loss allowance to noncurrent loans | 406.4711% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,202 |
| Noncurrent loans to loans | 0.2818% | 2,139 |
| Net loans and leases to total assets | 65.4500% | 2,097 |
| Net loans and leases to deposits | 82.7674% | 1,558 |
| Net loans and leases to core deposits | 85.7266% | 1,774 |
| Total domestic deposits to total assets | 79.0700% | 3,997 |
| Equity capital to assets | 9.7159% | 1,877 |
| Core capital (leverage) ratio | 10.9526% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5372% | 1,225 |
| Memoranda: | ||
| Average total assets | $641,426,200 | 1,402 |
| Average earning assets | $604,560,000 | 1,378 |
| Average equity | $62,131,600 | 1,362 |
| Average total loans | $391,098,000 | 1,423 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 3,547 |
| Cost of funding earning assets | 0.4034% | 1,267 |
| Net interest margin | 2.7519% | 3,832 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.3586% | 2,448 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 0.7117% | 3,535 |
| Return on assets (ROA) | 0.7115% | 3,488 |
| Pretax return on assets | 0.8753% | 3,396 |
| Return on Equity (ROE) | 7.3500% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.3509% | 2,250 |
| Net charge-offs to loans | 0.0014% | 2,263 |
| Credit loss provision to net charge-offs | -11,875.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | 942.5000% | 164 |
| Efficiency ratio | 75.2072% | 1,150 |
| Assets per employee ($millions) | 7.3348% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,535 |
| Loan loss allowance to noncurrent loans | 406.8447% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 2,348 |
| Noncurrent loans to loans | 0.2947% | 2,188 |
| Net loans and leases to total assets | 62.9500% | 2,198 |
| Net loans and leases to deposits | 78.5805% | 1,670 |
| Net loans and leases to core deposits | 81.0704% | 1,824 |
| Total domestic deposits to total assets | 80.1100% | 4,088 |
| Equity capital to assets | 8.8901% | 2,290 |
| Core capital (leverage) ratio | 10.9317% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2185% | 1,360 |
| Memoranda: | ||
| Average total assets | $646,481,250 | 1,386 |
| Average earning assets | $610,077,750 | 1,378 |
| Average equity | $62,575,500 | 1,369 |
| Average total loans | $386,054,750 | 1,431 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9917% | 3,583 |
| Cost of funding earning assets | 0.3664% | 1,140 |
| Net interest margin | 2.6253% | 3,861 |
| Noninterest income to average assets | 0.5871% | 1,795 |
| Noninterest expense to average assets | 2.3753% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5622% | 3,726 |
| Return on assets (ROA) | 0.5622% | 3,678 |
| Pretax return on assets | 0.6906% | 3,602 |
| Return on Equity (ROE) | 5.6568% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.6568% | 2,453 |
| Net charge-offs to loans | -0.0148% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4741% | 1,131 |
| Assets per employee ($millions) | 6.9156% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,939 |
| Loan loss allowance to noncurrent loans | 402.3934% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 2,256 |
| Noncurrent loans to loans | 0.3368% | 2,132 |
| Net loans and leases to total assets | 62.2201% | 2,103 |
| Net loans and leases to deposits | 77.6603% | 1,563 |
| Net loans and leases to core deposits | 79.8881% | 1,725 |
| Total domestic deposits to total assets | 80.1183% | 4,216 |
| Equity capital to assets | 9.6559% | 1,906 |
| Core capital (leverage) ratio | 10.7231% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3708% | 1,335 |
| Memoranda: | ||
| Average total assets | $649,266,000 | 1,386 |
| Average earning assets | $613,027,667 | 1,381 |
| Average equity | $64,524,000 | 1,368 |
| Average total loans | $379,220,667 | 1,442 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8547% | 3,635 |
| Cost of funding earning assets | 0.3686% | 1,070 |
| Net interest margin | 2.4861% | 3,926 |
| Noninterest income to average assets | 0.5182% | 2,053 |
| Noninterest expense to average assets | 2.3081% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4569% | 3,825 |
| Return on assets (ROA) | 0.4569% | 3,790 |
| Pretax return on assets | 0.5594% | 3,733 |
| Return on Equity (ROE) | 4.5360% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.5360% | 2,764 |
| Net charge-offs to loans | 0.0011% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 922.0000% | 95 |
| Efficiency ratio | 80.4909% | 1,112 |
| Assets per employee ($millions) | 6.9986% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,751 |
| Loan loss allowance to noncurrent loans | 254.8095% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 1,616 |
| Noncurrent loans to loans | 0.5659% | 1,625 |
| Net loans and leases to total assets | 56.8004% | 2,440 |
| Net loans and leases to deposits | 71.1417% | 1,850 |
| Net loans and leases to core deposits | 73.5152% | 1,975 |
| Total domestic deposits to total assets | 79.8411% | 4,297 |
| Equity capital to assets | 9.8341% | 2,019 |
| Core capital (leverage) ratio | 10.2564% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8675% | 1,295 |
| Memoranda: | ||
| Average total assets | $659,238,000 | 1,380 |
| Average earning assets | $622,981,500 | 1,367 |
| Average equity | $66,402,500 | 1,381 |
| Average total loans | $370,358,500 | 1,459 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 3,631 |
| Cost of funding earning assets | 0.4566% | 1,151 |
| Net interest margin | 2.6702% | 3,929 |
| Noninterest income to average assets | 0.9137% | 1,168 |
| Noninterest expense to average assets | 2.3555% | 2,640 |
| Loan and lease loss provision to assets | -0.0455% | 4,330 |
| Net operating income to assets | 0.8785% | 3,116 |
| Return on assets (ROA) | 0.8784% | 3,175 |
| Pretax return on assets | 1.1177% | 2,909 |
| Return on Equity (ROE) | 8.5721% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.5721% | 1,321 |
| Net charge-offs to loans | 0.0543% | 1,250 |
| Credit loss provision to net charge-offs | -142.1801% | 3,437 |
| Earnings coverage of net charge-offs (x) | 33.5355% | 1,538 |
| Efficiency ratio | 68.7166% | 1,896 |
| Assets per employee ($millions) | 7.0271% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,740 |
| Loan loss allowance to noncurrent loans | 270.7132% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 1,878 |
| Noncurrent loans to loans | 0.5348% | 1,791 |
| Net loans and leases to total assets | 54.0009% | 2,854 |
| Net loans and leases to deposits | 68.1352% | 2,302 |
| Net loans and leases to core deposits | 71.7615% | 2,280 |
| Total domestic deposits to total assets | 79.2556% | 4,289 |
| Equity capital to assets | 10.3002% | 2,372 |
| Core capital (leverage) ratio | 9.8562% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9558% | 1,274 |
| Memoranda: | ||
| Average total assets | $659,858,600 | 1,344 |
| Average earning assets | $621,295,600 | 1,335 |
| Average equity | $67,615,000 | 1,389 |
| Average total loans | $388,306,600 | 1,408 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1515% | 3,698 |
| Cost of funding earning assets | 0.4712% | 1,207 |
| Net interest margin | 2.6802% | 4,011 |
| Noninterest income to average assets | 0.9954% | 1,078 |
| Noninterest expense to average assets | 2.2941% | 2,768 |
| Loan and lease loss provision to assets | 0.0407% | 2,186 |
| Net operating income to assets | 0.9398% | 3,121 |
| Return on assets (ROA) | 0.9398% | 3,204 |
| Pretax return on assets | 1.1814% | 2,988 |
| Return on Equity (ROE) | 9.1836% | 3,046 |
| Retained earnings to average equity (ytd only) | 9.1836% | 1,625 |
| Net charge-offs to loans | 0.0804% | 866 |
| Credit loss provision to net charge-offs | 84.3882% | 1,698 |
| Earnings coverage of net charge-offs (x) | 25.3755% | 1,618 |
| Efficiency ratio | 65.2450% | 2,208 |
| Assets per employee ($millions) | 7.0483% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 1,505 |
| Loan loss allowance to noncurrent loans | 372.9834% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 2,404 |
| Noncurrent loans to loans | 0.4120% | 2,324 |
| Net loans and leases to total assets | 55.1641% | 2,831 |
| Net loans and leases to deposits | 70.2366% | 2,217 |
| Net loans and leases to core deposits | 74.0495% | 2,239 |
| Total domestic deposits to total assets | 78.5403% | 4,371 |
| Equity capital to assets | 10.1968% | 2,716 |
| Core capital (leverage) ratio | 9.9551% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5697% | 1,459 |
| Memoranda: | ||
| Average total assets | $656,172,000 | 1,364 |
| Average earning assets | $617,096,500 | 1,358 |
| Average equity | $67,147,250 | 1,406 |
| Average total loans | $392,972,000 | 1,428 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1748% | 3,719 |
| Cost of funding earning assets | 0.4852% | 1,289 |
| Net interest margin | 2.6896% | 4,000 |
| Noninterest income to average assets | 1.0965% | 932 |
| Noninterest expense to average assets | 2.3063% | 2,755 |
| Loan and lease loss provision to assets | 0.0616% | 1,815 |
| Net operating income to assets | 1.0028% | 2,873 |
| Return on assets (ROA) | 1.0028% | 2,955 |
| Pretax return on assets | 1.2520% | 2,762 |
| Return on Equity (ROE) | 9.7879% | 2,832 |
| Retained earnings to average equity (ytd only) | 9.7879% | 1,467 |
| Net charge-offs to loans | 0.0936% | 773 |
| Credit loss provision to net charge-offs | 107.5269% | 1,324 |
| Earnings coverage of net charge-offs (x) | 22.9301% | 1,475 |
| Efficiency ratio | 63.7114% | 2,469 |
| Assets per employee ($millions) | 7.0642% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,650 |
| Loan loss allowance to noncurrent loans | 887.9154% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 3,279 |
| Noncurrent loans to loans | 0.1670% | 3,379 |
| Net loans and leases to total assets | 58.8086% | 2,570 |
| Net loans and leases to deposits | 75.3251% | 1,890 |
| Net loans and leases to core deposits | 79.1869% | 1,944 |
| Total domestic deposits to total assets | 78.0730% | 4,426 |
| Equity capital to assets | 10.2317% | 2,635 |
| Core capital (leverage) ratio | 10.0659% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5481% | 1,457 |
| Memoranda: | ||
| Average total assets | $649,350,667 | 1,369 |
| Average earning assets | $609,242,000 | 1,364 |
| Average equity | $66,531,333 | 1,408 |
| Average total loans | $397,600,667 | 1,417 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 3,595 |
| Cost of funding earning assets | 0.5097% | 1,332 |
| Net interest margin | 2.7346% | 3,894 |
| Noninterest income to average assets | 1.3128% | 745 |
| Noninterest expense to average assets | 2.3844% | 2,541 |
| Loan and lease loss provision to assets | 0.0623% | 1,885 |
| Net operating income to assets | 1.1339% | 2,375 |
| Return on assets (ROA) | 1.1339% | 2,451 |
| Pretax return on assets | 1.4268% | 2,201 |
| Return on Equity (ROE) | 11.0595% | 2,350 |
| Retained earnings to average equity (ytd only) | 11.0595% | 1,388 |
| Net charge-offs to loans | 0.1125% | 626 |
| Credit loss provision to net charge-offs | 89.2857% | 1,171 |
| Earnings coverage of net charge-offs (x) | 21.3393% | 1,224 |
| Efficiency ratio | 61.5570% | 2,829 |
| Assets per employee ($millions) | 6.8036% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,651 |
| Loan loss allowance to noncurrent loans | 694.8931% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 3,343 |
| Noncurrent loans to loans | 0.2140% | 3,340 |
| Net loans and leases to total assets | 59.3383% | 2,630 |
| Net loans and leases to deposits | 77.1357% | 1,788 |
| Net loans and leases to core deposits | 82.0089% | 1,837 |
| Total domestic deposits to total assets | 76.9272% | 4,521 |
| Equity capital to assets | 10.0932% | 2,620 |
| Core capital (leverage) ratio | 10.1046% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4436% | 1,759 |
| Memoranda: | ||
| Average total assets | $642,010,000 | 1,371 |
| Average earning assets | $601,178,500 | 1,370 |
| Average equity | $65,826,000 | 1,415 |
| Average total loans | $398,208,000 | 1,419 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 3,613 |
| Cost of funding earning assets | 0.8394% | 1,059 |
| Net interest margin | 2.8461% | 4,193 |
| Noninterest income to average assets | 1.2512% | 720 |
| Noninterest expense to average assets | 2.5993% | 2,549 |
| Loan and lease loss provision to assets | 0.2860% | 1,328 |
| Net operating income to assets | 0.8186% | 3,019 |
| Return on assets (ROA) | 0.8819% | 2,913 |
| Pretax return on assets | 1.1140% | 2,635 |
| Return on Equity (ROE) | 8.2987% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.2987% | 971 |
| Net charge-offs to loans | 0.0251% | 2,540 |
| Credit loss provision to net charge-offs | 1,689.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 77.9600% | 908 |
| Efficiency ratio | 66.3225% | 2,482 |
| Assets per employee ($millions) | 6.1250% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,754 |
| Loan loss allowance to noncurrent loans | 423.0159% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 3,191 |
| Noncurrent loans to loans | 0.3439% | 2,972 |
| Net loans and leases to total assets | 62.9502% | 2,492 |
| Net loans and leases to deposits | 82.8118% | 1,569 |
| Net loans and leases to core deposits | 89.4336% | 1,574 |
| Total domestic deposits to total assets | 76.0160% | 4,506 |
| Equity capital to assets | 10.4187% | 2,741 |
| Core capital (leverage) ratio | 9.8862% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1550% | 1,800 |
| Memoranda: | ||
| Average total assets | $590,653,800 | 1,344 |
| Average earning assets | $553,701,200 | 1,337 |
| Average equity | $62,769,000 | 1,398 |
| Average total loans | $398,879,400 | 1,361 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 3,642 |
| Cost of funding earning assets | 0.9047% | 1,059 |
| Net interest margin | 2.8656% | 4,240 |
| Noninterest income to average assets | 1.2217% | 727 |
| Noninterest expense to average assets | 2.5320% | 2,738 |
| Loan and lease loss provision to assets | 0.3190% | 1,243 |
| Net operating income to assets | 0.8577% | 2,872 |
| Return on assets (ROA) | 0.9528% | 2,644 |
| Pretax return on assets | 1.1735% | 2,479 |
| Return on Equity (ROE) | 8.9182% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.9182% | 1,003 |
| Net charge-offs to loans | 0.0332% | 2,164 |
| Credit loss provision to net charge-offs | 1,403.0303% | 650 |
| Earnings coverage of net charge-offs (x) | 60.4848% | 1,093 |
| Efficiency ratio | 64.8055% | 2,625 |
| Assets per employee ($millions) | 6.5221% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,829 |
| Loan loss allowance to noncurrent loans | 375.6921% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,248 |
| Noncurrent loans to loans | 0.3672% | 2,967 |
| Net loans and leases to total assets | 64.1929% | 2,750 |
| Net loans and leases to deposits | 85.9019% | 1,718 |
| Net loans and leases to core deposits | 93.3360% | 1,684 |
| Total domestic deposits to total assets | 74.7282% | 4,525 |
| Equity capital to assets | 10.4794% | 2,810 |
| Core capital (leverage) ratio | 10.0941% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8835% | 1,865 |
| Memoranda: | ||
| Average total assets | $580,598,500 | 1,346 |
| Average earning assets | $544,088,250 | 1,340 |
| Average equity | $62,029,000 | 1,401 |
| Average total loans | $397,849,250 | 1,350 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,584 |
| Cost of funding earning assets | 0.9703% | 1,070 |
| Net interest margin | 2.9410% | 4,240 |
| Noninterest income to average assets | 0.9038% | 1,162 |
| Noninterest expense to average assets | 2.4729% | 3,041 |
| Loan and lease loss provision to assets | 0.3837% | 1,072 |
| Net operating income to assets | 0.6589% | 3,552 |
| Return on assets (ROA) | 0.7999% | 3,160 |
| Pretax return on assets | 0.9820% | 3,078 |
| Return on Equity (ROE) | 7.4351% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.4351% | 1,489 |
| Net charge-offs to loans | 0.0429% | 1,886 |
| Credit loss provision to net charge-offs | 1,281.1765% | 674 |
| Earnings coverage of net charge-offs (x) | 39.7882% | 1,255 |
| Efficiency ratio | 67.4808% | 2,309 |
| Assets per employee ($millions) | 6.3672% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,147 |
| Loan loss allowance to noncurrent loans | 364.7547% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,364 |
| Noncurrent loans to loans | 0.3488% | 3,147 |
| Net loans and leases to total assets | 67.7098% | 2,407 |
| Net loans and leases to deposits | 91.5368% | 1,210 |
| Net loans and leases to core deposits | 100.4387% | 1,225 |
| Total domestic deposits to total assets | 73.9701% | 4,597 |
| Equity capital to assets | 10.3868% | 2,850 |
| Core capital (leverage) ratio | 10.0933% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9526% | 2,198 |
| Memoranda: | ||
| Average total assets | $567,596,667 | 1,354 |
| Average earning assets | $532,805,000 | 1,340 |
| Average equity | $61,061,667 | 1,408 |
| Average total loans | $396,030,333 | 1,336 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 3,554 |
| Cost of funding earning assets | 1.0707% | 1,140 |
| Net interest margin | 3.0181% | 4,253 |
| Noninterest income to average assets | 0.7010% | 1,645 |
| Noninterest expense to average assets | 2.6020% | 2,977 |
| Loan and lease loss provision to assets | 0.2718% | 1,152 |
| Net operating income to assets | 0.5316% | 3,803 |
| Return on assets (ROA) | 0.7024% | 3,340 |
| Pretax return on assets | 0.8729% | 3,215 |
| Return on Equity (ROE) | 6.4076% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.4076% | 1,747 |
| Net charge-offs to loans | 0.0445% | 1,582 |
| Credit loss provision to net charge-offs | 867.4419% | 631 |
| Earnings coverage of net charge-offs (x) | 29.7209% | 1,188 |
| Efficiency ratio | 73.6441% | 1,864 |
| Assets per employee ($millions) | 5.5285% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,674 |
| Loan loss allowance to noncurrent loans | 319.7222% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 3,395 |
| Noncurrent loans to loans | 0.3754% | 3,136 |
| Net loans and leases to total assets | 69.9565% | 2,258 |
| Net loans and leases to deposits | 96.5811% | 851 |
| Net loans and leases to core deposits | 107.6153% | 961 |
| Total domestic deposits to total assets | 72.4329% | 4,752 |
| Equity capital to assets | 11.2478% | 2,638 |
| Core capital (leverage) ratio | 10.6527% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9689% | 1,915 |
| Memoranda: | ||
| Average total assets | $548,953,000 | 1,359 |
| Average earning assets | $515,160,500 | 1,338 |
| Average equity | $60,178,500 | 1,416 |
| Average total loans | $386,623,500 | 1,332 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 3,483 |
| Cost of funding earning assets | 1.2556% | 875 |
| Net interest margin | 3.0646% | 4,425 |
| Noninterest income to average assets | 0.6953% | 1,840 |
| Noninterest expense to average assets | 2.5533% | 3,310 |
| Loan and lease loss provision to assets | 0.2184% | 893 |
| Net operating income to assets | 0.6415% | 4,034 |
| Return on assets (ROA) | 0.6594% | 4,062 |
| Pretax return on assets | 0.8119% | 3,950 |
| Return on Equity (ROE) | 6.2464% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.2464% | 1,744 |
| Net charge-offs to loans | 0.5189% | 358 |
| Credit loss provision to net charge-offs | 59.2408% | 3,045 |
| Earnings coverage of net charge-offs (x) | 2.7343% | 3,383 |
| Efficiency ratio | 71.6916% | 1,910 |
| Assets per employee ($millions) | 5.6173% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 2,970 |
| Loan loss allowance to noncurrent loans | 382.6321% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,663 |
| Noncurrent loans to loans | 0.2867% | 3,411 |
| Net loans and leases to total assets | 69.2934% | 2,502 |
| Net loans and leases to deposits | 96.4096% | 905 |
| Net loans and leases to core deposits | 105.5401% | 1,137 |
| Total domestic deposits to total assets | 71.8740% | 4,871 |
| Equity capital to assets | 10.6872% | 3,268 |
| Core capital (leverage) ratio | 10.1698% | 3,332 |
| Tier 1 risk-based capital ratio | 13.2493% | 3,648 |
| Total risk-based capital ratio | 14.2529% | 3,666 |
| Memoranda: | ||
| Average total assets | $542,952,000 | 1,321 |
| Average earning assets | $507,795,800 | 1,312 |
| Average equity | $57,313,000 | 1,419 |
| Average total loans | $385,818,000 | 1,307 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 3,527 |
| Cost of funding earning assets | 1.2477% | 918 |
| Net interest margin | 3.0973% | 4,480 |
| Noninterest income to average assets | 0.6853% | 1,848 |
| Noninterest expense to average assets | 2.6201% | 3,107 |
| Loan and lease loss provision to assets | 0.2567% | 624 |
| Net operating income to assets | 0.5808% | 4,339 |
| Return on assets (ROA) | 0.6043% | 4,337 |
| Pretax return on assets | 0.7325% | 4,275 |
| Return on Equity (ROE) | 5.7434% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.7434% | 2,480 |
| Net charge-offs to loans | 0.6967% | 226 |
| Credit loss provision to net charge-offs | 51.6658% | 2,778 |
| Earnings coverage of net charge-offs (x) | 1.9334% | 3,239 |
| Efficiency ratio | 73.1733% | 1,677 |
| Assets per employee ($millions) | 5.8209% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,235 |
| Loan loss allowance to noncurrent loans | 405.3150% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 3,851 |
| Noncurrent loans to loans | 0.2612% | 3,608 |
| Net loans and leases to total assets | 68.8820% | 2,643 |
| Net loans and leases to deposits | 94.9931% | 1,125 |
| Net loans and leases to core deposits | 105.5073% | 1,220 |
| Total domestic deposits to total assets | 72.5126% | 4,894 |
| Equity capital to assets | 10.5228% | 3,522 |
| Core capital (leverage) ratio | 10.4219% | 3,169 |
| Tier 1 risk-based capital ratio | 13.1310% | 3,775 |
| Total risk-based capital ratio | 14.1090% | 3,822 |
| Memoranda: | ||
| Average total assets | $539,662,000 | 1,340 |
| Average earning assets | $504,469,000 | 1,328 |
| Average equity | $56,783,000 | 1,426 |
| Average total loans | $384,866,750 | 1,312 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 3,351 |
| Cost of funding earning assets | 1.2415% | 893 |
| Net interest margin | 3.1524% | 4,449 |
| Noninterest income to average assets | 0.6439% | 1,948 |
| Noninterest expense to average assets | 2.6594% | 3,033 |
| Loan and lease loss provision to assets | 0.2790% | 524 |
| Net operating income to assets | 0.5413% | 4,443 |
| Return on assets (ROA) | 0.5494% | 4,457 |
| Pretax return on assets | 0.6608% | 4,423 |
| Return on Equity (ROE) | 5.2219% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.2219% | 2,656 |
| Net charge-offs to loans | 1.0577% | 130 |
| Credit loss provision to net charge-offs | 36.6864% | 2,561 |
| Earnings coverage of net charge-offs (x) | 1.2229% | 3,040 |
| Efficiency ratio | 74.0884% | 1,633 |
| Assets per employee ($millions) | 5.7871% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,672 |
| Loan loss allowance to noncurrent loans | 459.1074% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 3,860 |
| Noncurrent loans to loans | 0.2159% | 3,767 |
| Net loans and leases to total assets | 72.1834% | 2,187 |
| Net loans and leases to deposits | 100.9928% | 609 |
| Net loans and leases to core deposits | 113.9813% | 778 |
| Total domestic deposits to total assets | 71.4738% | 4,996 |
| Equity capital to assets | 10.9521% | 3,116 |
| Core capital (leverage) ratio | 10.2427% | 3,344 |
| Tier 1 risk-based capital ratio | 13.3119% | 3,687 |
| Total risk-based capital ratio | 14.2447% | 3,748 |
| Memoranda: | ||
| Average total assets | $533,281,000 | 1,351 |
| Average earning assets | $498,287,000 | 1,337 |
| Average equity | $56,110,000 | 1,432 |
| Average total loans | $383,477,670 | 1,325 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 3,443 |
| Cost of funding earning assets | 1.1960% | 914 |
| Net interest margin | 3.1400% | 4,514 |
| Noninterest income to average assets | 0.5322% | 2,375 |
| Noninterest expense to average assets | 2.6582% | 3,036 |
| Loan and lease loss provision to assets | 0.2564% | 561 |
| Net operating income to assets | 0.4653% | 4,610 |
| Return on assets (ROA) | 0.4659% | 4,629 |
| Pretax return on assets | 0.5538% | 4,594 |
| Return on Equity (ROE) | 4.5186% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.5186% | 3,114 |
| Net charge-offs to loans | 0.0605% | 1,432 |
| Credit loss provision to net charge-offs | 593.1034% | 546 |
| Earnings coverage of net charge-offs (x) | 18.7241% | 1,615 |
| Efficiency ratio | 76.6552% | 1,426 |
| Assets per employee ($millions) | 5.4717% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,700 |
| Loan loss allowance to noncurrent loans | 200.7092% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,556 |
| Noncurrent loans to loans | 0.6944% | 2,283 |
| Net loans and leases to total assets | 70.2311% | 2,447 |
| Net loans and leases to deposits | 98.0344% | 782 |
| Net loans and leases to core deposits | 110.6316% | 890 |
| Total domestic deposits to total assets | 71.6392% | 5,057 |
| Equity capital to assets | 10.3423% | 3,483 |
| Core capital (leverage) ratio | 10.0397% | 3,566 |
| Tier 1 risk-based capital ratio | 13.0280% | 3,869 |
| Total risk-based capital ratio | 14.2786% | 3,768 |
| Memoranda: | ||
| Average total assets | $536,607,500 | 1,346 |
| Average earning assets | $501,664,000 | 1,339 |
| Average equity | $55,326,500 | 1,441 |
| Average total loans | $383,244,500 | 1,334 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,769 |
| Cost of funding earning assets | 0.9337% | 981 |
| Net interest margin | 3.1571% | 4,562 |
| Noninterest income to average assets | 0.6983% | 1,860 |
| Noninterest expense to average assets | 2.7495% | 2,859 |
| Loan and lease loss provision to assets | 0.1808% | 1,084 |
| Net operating income to assets | 0.5595% | 4,525 |
| Return on assets (ROA) | 0.5633% | 4,517 |
| Pretax return on assets | 0.7196% | 4,363 |
| Return on Equity (ROE) | 5.3363% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.3363% | 2,573 |
| Net charge-offs to loans | 0.0195% | 3,048 |
| Credit loss provision to net charge-offs | 1,267.6056% | 319 |
| Earnings coverage of net charge-offs (x) | 62.7887% | 997 |
| Efficiency ratio | 75.4299% | 1,436 |
| Assets per employee ($millions) | 5.2109% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,883 |
| Loan loss allowance to noncurrent loans | 180.5605% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 2,396 |
| Noncurrent loans to loans | 0.7405% | 2,146 |
| Net loans and leases to total assets | 70.6624% | 2,470 |
| Net loans and leases to deposits | 98.2823% | 874 |
| Net loans and leases to core deposits | 111.1009% | 933 |
| Total domestic deposits to total assets | 71.8974% | 5,076 |
| Equity capital to assets | 10.2783% | 3,400 |
| Core capital (leverage) ratio | 10.1074% | 3,451 |
| Tier 1 risk-based capital ratio | 13.1127% | 3,782 |
| Total risk-based capital ratio | 14.3633% | 3,670 |
| Memoranda: | ||
| Average total assets | $497,762,000 | 1,412 |
| Average earning assets | $464,602,200 | 1,405 |
| Average equity | $52,545,400 | 1,451 |
| Average total loans | $364,840,400 | 1,348 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,910 |
| Cost of funding earning assets | 0.8749% | 1,015 |
| Net interest margin | 3.1317% | 4,648 |
| Noninterest income to average assets | 0.6809% | 1,933 |
| Noninterest expense to average assets | 2.7973% | 2,636 |
| Loan and lease loss provision to assets | 0.1703% | 1,097 |
| Net operating income to assets | 0.5267% | 4,703 |
| Return on assets (ROA) | 0.5267% | 4,707 |
| Pretax return on assets | 0.6327% | 4,676 |
| Return on Equity (ROE) | 4.9540% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.9540% | 3,263 |
| Net charge-offs to loans | 0.0251% | 2,618 |
| Credit loss provision to net charge-offs | 919.1176% | 436 |
| Earnings coverage of net charge-offs (x) | 43.3404% | 1,285 |
| Efficiency ratio | 77.6962% | 1,147 |
| Assets per employee ($millions) | 5.3131% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,303 |
| Loan loss allowance to noncurrent loans | 156.6320% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,339 |
| Noncurrent loans to loans | 0.8052% | 2,096 |
| Net loans and leases to total assets | 72.4456% | 2,261 |
| Net loans and leases to deposits | 99.0193% | 861 |
| Net loans and leases to core deposits | 112.4727% | 895 |
| Total domestic deposits to total assets | 73.1631% | 5,046 |
| Equity capital to assets | 10.1004% | 3,542 |
| Core capital (leverage) ratio | 10.4348% | 3,145 |
| Tier 1 risk-based capital ratio | 13.1725% | 3,802 |
| Total risk-based capital ratio | 14.3936% | 3,727 |
| Memoranda: | ||
| Average total assets | $489,323,500 | 1,443 |
| Average earning assets | $456,143,250 | 1,427 |
| Average equity | $52,024,000 | 1,467 |
| Average total loans | $360,882,500 | 1,364 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,968 |
| Cost of funding earning assets | 0.8105% | 1,083 |
| Net interest margin | 3.1275% | 4,668 |
| Noninterest income to average assets | 0.6795% | 1,960 |
| Noninterest expense to average assets | 2.9098% | 2,330 |
| Loan and lease loss provision to assets | 0.1295% | 1,528 |
| Net operating income to assets | 0.4673% | 4,827 |
| Return on assets (ROA) | 0.4673% | 4,831 |
| Pretax return on assets | 0.5571% | 4,801 |
| Return on Equity (ROE) | 4.3175% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.3175% | 3,441 |
| Net charge-offs to loans | 0.0373% | 2,105 |
| Credit loss provision to net charge-offs | 469.6970% | 736 |
| Earnings coverage of net charge-offs (x) | 24.9091% | 1,657 |
| Efficiency ratio | 80.9081% | 925 |
| Assets per employee ($millions) | 4.8649% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,592 |
| Loan loss allowance to noncurrent loans | 143.6543% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,245 |
| Noncurrent loans to loans | 0.8511% | 2,019 |
| Net loans and leases to total assets | 74.0714% | 1,936 |
| Net loans and leases to deposits | 104.3258% | 513 |
| Net loans and leases to core deposits | 117.9667% | 631 |
| Total domestic deposits to total assets | 71.0001% | 5,233 |
| Equity capital to assets | 10.6036% | 3,024 |
| Core capital (leverage) ratio | 10.6739% | 2,844 |
| Tier 1 risk-based capital ratio | 13.6468% | 3,532 |
| Total risk-based capital ratio | 14.8484% | 3,470 |
| Memoranda: | ||
| Average total assets | $478,870,330 | 1,471 |
| Average earning assets | $446,620,330 | 1,464 |
| Average equity | $51,835,000 | 1,471 |
| Average total loans | $353,833,330 | 1,382 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 4,092 |
| Cost of funding earning assets | 0.7381% | 1,249 |
| Net interest margin | 3.1096% | 4,687 |
| Noninterest income to average assets | 0.6678% | 1,967 |
| Noninterest expense to average assets | 3.1238% | 1,757 |
| Loan and lease loss provision to assets | 0.1066% | 1,751 |
| Net operating income to assets | 0.2894% | 5,112 |
| Return on assets (ROA) | 0.2894% | 5,115 |
| Pretax return on assets | 0.3326% | 5,118 |
| Return on Equity (ROE) | 2.6459% | 5,084 |
| Retained earnings to average equity (ytd only) | 2.6459% | 4,119 |
| Net charge-offs to loans | 0.0577% | 1,526 |
| Credit loss provision to net charge-offs | 252.0000% | 903 |
| Earnings coverage of net charge-offs (x) | 10.3800% | 1,903 |
| Efficiency ratio | 87.6722% | 552 |
| Assets per employee ($millions) | 4.8529% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,554 |
| Loan loss allowance to noncurrent loans | 147.1007% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 2,398 |
| Noncurrent loans to loans | 0.8449% | 2,122 |
| Net loans and leases to total assets | 71.7478% | 2,215 |
| Net loans and leases to deposits | 97.6147% | 898 |
| Net loans and leases to core deposits | 110.4663% | 971 |
| Total domestic deposits to total assets | 73.5010% | 5,194 |
| Equity capital to assets | 10.7224% | 2,849 |
| Core capital (leverage) ratio | 10.7828% | 2,645 |
| Tier 1 risk-based capital ratio | 13.9841% | 3,387 |
| Total risk-based capital ratio | 15.1881% | 3,329 |
| Memoranda: | ||
| Average total assets | $472,629,000 | 1,502 |
| Average earning assets | $440,063,000 | 1,494 |
| Average equity | $51,702,000 | 1,490 |
| Average total loans | $346,521,500 | 1,417 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,118 |
| Cost of funding earning assets | 0.6380% | 1,366 |
| Net interest margin | 3.1397% | 4,600 |
| Noninterest income to average assets | 0.7779% | 1,651 |
| Noninterest expense to average assets | 2.7963% | 2,789 |
| Loan and lease loss provision to assets | 0.1332% | 1,720 |
| Net operating income to assets | 0.2205% | 5,067 |
| Return on assets (ROA) | 0.2249% | 5,077 |
| Pretax return on assets | 0.7676% | 4,339 |
| Return on Equity (ROE) | 1.9433% | 5,067 |
| Retained earnings to average equity (ytd only) | 1.9433% | 4,161 |
| Net charge-offs to loans | 0.0767% | 2,356 |
| Credit loss provision to net charge-offs | 230.7692% | 1,200 |
| Earnings coverage of net charge-offs (x) | 15.4846% | 2,244 |
| Efficiency ratio | 75.7747% | 1,656 |
| Assets per employee ($millions) | 4.7427% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,545 |
| Loan loss allowance to noncurrent loans | 145.4266% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 2,355 |
| Noncurrent loans to loans | 0.8517% | 2,089 |
| Net loans and leases to total assets | 73.0972% | 2,079 |
| Net loans and leases to deposits | 100.0686% | 723 |
| Net loans and leases to core deposits | 111.3035% | 934 |
| Total domestic deposits to total assets | 73.0470% | 5,255 |
| Equity capital to assets | 11.1555% | 2,481 |
| Core capital (leverage) ratio | 10.8732% | 2,450 |
| Tier 1 risk-based capital ratio | 14.1676% | 3,274 |
| Total risk-based capital ratio | 15.3802% | 3,192 |
| Memoranda: | ||
| Average total assets | $450,337,400 | 1,546 |
| Average earning assets | $417,742,000 | 1,540 |
| Average equity | $52,128,400 | 1,471 |
| Average total loans | $338,783,600 | 1,416 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,149 |
| Cost of funding earning assets | 0.6248% | 1,383 |
| Net interest margin | 3.1330% | 4,613 |
| Noninterest income to average assets | 0.8124% | 1,540 |
| Noninterest expense to average assets | 2.8300% | 2,632 |
| Loan and lease loss provision to assets | 0.1343% | 1,613 |
| Net operating income to assets | 0.5390% | 4,618 |
| Return on assets (ROA) | 0.5444% | 4,633 |
| Pretax return on assets | 0.7560% | 4,464 |
| Return on Equity (ROE) | 4.6590% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.6590% | 3,108 |
| Net charge-offs to loans | 0.1090% | 1,700 |
| Credit loss provision to net charge-offs | 163.0435% | 1,577 |
| Earnings coverage of net charge-offs (x) | 10.7174% | 2,565 |
| Efficiency ratio | 76.2219% | 1,559 |
| Assets per employee ($millions) | 4.7174% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,864 |
| Loan loss allowance to noncurrent loans | 151.8917% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,582 |
| Noncurrent loans to loans | 0.7973% | 2,362 |
| Net loans and leases to total assets | 73.7628% | 1,953 |
| Net loans and leases to deposits | 101.1366% | 669 |
| Net loans and leases to core deposits | 115.2267% | 780 |
| Total domestic deposits to total assets | 72.9339% | 5,318 |
| Equity capital to assets | 11.7646% | 2,139 |
| Core capital (leverage) ratio | 11.3628% | 2,131 |
| Tier 1 risk-based capital ratio | 14.9847% | 2,924 |
| Total risk-based capital ratio | 16.1978% | 2,865 |
| Memoranda: | ||
| Average total assets | $446,725,750 | 1,564 |
| Average earning assets | $413,561,250 | 1,565 |
| Average equity | $52,198,250 | 1,484 |
| Average total loans | $337,478,250 | 1,427 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 4,160 |
| Cost of funding earning assets | 0.6000% | 1,447 |
| Net interest margin | 3.1202% | 4,630 |
| Noninterest income to average assets | 0.7799% | 1,647 |
| Noninterest expense to average assets | 2.8308% | 2,645 |
| Loan and lease loss provision to assets | 0.1349% | 1,539 |
| Net operating income to assets | 0.5224% | 4,642 |
| Return on assets (ROA) | 0.5294% | 4,645 |
| Pretax return on assets | 0.7192% | 4,499 |
| Return on Equity (ROE) | 4.5410% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.5410% | 3,006 |
| Net charge-offs to loans | 0.1269% | 1,401 |
| Credit loss provision to net charge-offs | 140.1869% | 1,595 |
| Earnings coverage of net charge-offs (x) | 8.7757% | 2,485 |
| Efficiency ratio | 77.0191% | 1,582 |
| Assets per employee ($millions) | 4.8056% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,122 |
| Loan loss allowance to noncurrent loans | 134.4180% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 2,433 |
| Noncurrent loans to loans | 0.8801% | 2,217 |
| Net loans and leases to total assets | 74.8915% | 1,713 |
| Net loans and leases to deposits | 101.5787% | 631 |
| Net loans and leases to core deposits | 114.0399% | 798 |
| Total domestic deposits to total assets | 73.7276% | 5,318 |
| Equity capital to assets | 11.7674% | 2,102 |
| Core capital (leverage) ratio | 11.3542% | 2,084 |
| Tier 1 risk-based capital ratio | 14.2822% | 3,274 |
| Total risk-based capital ratio | 15.4283% | 3,243 |
| Memoranda: | ||
| Average total assets | $444,678,000 | 1,582 |
| Average earning assets | $412,659,330 | 1,569 |
| Average equity | $51,838,330 | 1,498 |
| Average total loans | $337,256,330 | 1,428 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,108 |
| Cost of funding earning assets | 0.5828% | 1,495 |
| Net interest margin | 3.1221% | 4,596 |
| Noninterest income to average assets | 0.6962% | 1,989 |
| Noninterest expense to average assets | 2.8271% | 2,698 |
| Loan and lease loss provision to assets | 0.1127% | 1,697 |
| Net operating income to assets | 0.4940% | 4,625 |
| Return on assets (ROA) | 0.5041% | 4,612 |
| Pretax return on assets | 0.6682% | 4,536 |
| Return on Equity (ROE) | 4.3450% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.3450% | 3,252 |
| Net charge-offs to loans | 0.2294% | 783 |
| Credit loss provision to net charge-offs | 64.7668% | 1,873 |
| Earnings coverage of net charge-offs (x) | 4.4093% | 2,391 |
| Efficiency ratio | 78.6503% | 1,542 |
| Assets per employee ($millions) | 4.6145% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 3,433 |
| Loan loss allowance to noncurrent loans | 517.8763% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 4,240 |
| Noncurrent loans to loans | 0.2214% | 4,312 |
| Net loans and leases to total assets | 74.9827% | 1,578 |
| Net loans and leases to deposits | 101.8277% | 506 |
| Net loans and leases to core deposits | 115.4619% | 610 |
| Total domestic deposits to total assets | 73.6369% | 5,442 |
| Equity capital to assets | 11.6974% | 2,038 |
| Core capital (leverage) ratio | 11.2333% | 2,161 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,350 |
| Total risk-based capital ratio | 15.3314% | 3,345 |
| Memoranda: | ||
| Average total assets | $443,556,500 | 1,588 |
| Average earning assets | $411,773,000 | 1,583 |
| Average equity | $51,462,000 | 1,502 |
| Average total loans | $336,528,000 | 1,434 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,003 |
| Cost of funding earning assets | 0.5889% | 1,416 |
| Net interest margin | 3.1774% | 4,512 |
| Noninterest income to average assets | 0.8819% | 1,473 |
| Noninterest expense to average assets | 3.0640% | 2,130 |
| Loan and lease loss provision to assets | 0.0577% | 3,231 |
| Net operating income to assets | 0.5048% | 4,613 |
| Return on assets (ROA) | 0.5253% | 4,618 |
| Pretax return on assets | 0.7118% | 4,453 |
| Return on Equity (ROE) | 4.4994% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.4994% | 2,702 |
| Net charge-offs to loans | 0.0389% | 3,249 |
| Credit loss provision to net charge-offs | 192.3077% | 1,475 |
| Earnings coverage of net charge-offs (x) | 24.7231% | 1,621 |
| Efficiency ratio | 80.5094% | 1,359 |
| Assets per employee ($millions) | 4.5785% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 3,349 |
| Loan loss allowance to noncurrent loans | 322.1857% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,914 |
| Noncurrent loans to loans | 0.3611% | 3,836 |
| Net loans and leases to total assets | 75.0053% | 1,692 |
| Net loans and leases to deposits | 100.9467% | 605 |
| Net loans and leases to core deposits | 114.9811% | 658 |
| Total domestic deposits to total assets | 74.3019% | 5,418 |
| Equity capital to assets | 11.5071% | 2,166 |
| Core capital (leverage) ratio | 11.2557% | 2,121 |
| Tier 1 risk-based capital ratio | 13.8447% | 3,550 |
| Total risk-based capital ratio | 14.9581% | 3,547 |
| Memoranda: | ||
| Average total assets | $433,284,800 | 1,570 |
| Average earning assets | $398,726,000 | 1,574 |
| Average equity | $50,584,600 | 1,501 |
| Average total loans | $333,839,800 | 1,400 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 3,909 |
| Cost of funding earning assets | 0.5608% | 1,605 |
| Net interest margin | 3.2424% | 4,369 |
| Noninterest income to average assets | 0.8389% | 1,612 |
| Noninterest expense to average assets | 2.9145% | 2,597 |
| Loan and lease loss provision to assets | 0.0582% | 3,083 |
| Net operating income to assets | 0.6135% | 4,238 |
| Return on assets (ROA) | 0.6404% | 4,246 |
| Pretax return on assets | 0.8803% | 4,049 |
| Return on Equity (ROE) | 5.4648% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.4648% | 2,505 |
| Net charge-offs to loans | 0.0288% | 3,082 |
| Credit loss provision to net charge-offs | 261.1111% | 1,161 |
| Earnings coverage of net charge-offs (x) | 40.4434% | 1,233 |
| Efficiency ratio | 76.3713% | 1,923 |
| Assets per employee ($millions) | 4.5290% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,354 |
| Loan loss allowance to noncurrent loans | 417.1459% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 4,142 |
| Noncurrent loans to loans | 0.2835% | 4,248 |
| Net loans and leases to total assets | 75.2735% | 1,657 |
| Net loans and leases to deposits | 102.1186% | 561 |
| Net loans and leases to core deposits | 115.8613% | 661 |
| Total domestic deposits to total assets | 73.7118% | 5,461 |
| Equity capital to assets | 11.8767% | 2,201 |
| Core capital (leverage) ratio | 11.4074% | 2,104 |
| Tier 1 risk-based capital ratio | 14.2817% | 3,410 |
| Total risk-based capital ratio | 15.4375% | 3,390 |
| Memoranda: | ||
| Average total assets | $430,576,250 | 1,571 |
| Average earning assets | $395,380,500 | 1,591 |
| Average equity | $50,454,500 | 1,511 |
| Average total loans | $333,041,250 | 1,402 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,032 |
| Cost of funding earning assets | 0.5546% | 1,660 |
| Net interest margin | 3.2225% | 4,478 |
| Noninterest income to average assets | 0.7624% | 1,880 |
| Noninterest expense to average assets | 2.9214% | 2,608 |
| Loan and lease loss provision to assets | 0.0876% | 2,393 |
| Net operating income to assets | 0.5338% | 4,549 |
| Return on assets (ROA) | 0.5634% | 4,545 |
| Pretax return on assets | 0.7587% | 4,426 |
| Return on Equity (ROE) | 4.8302% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.8302% | 2,848 |
| Net charge-offs to loans | 0.0360% | 2,735 |
| Credit loss provision to net charge-offs | 313.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 1,418 |
| Efficiency ratio | 78.3723% | 1,731 |
| Assets per employee ($millions) | 4.5029% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 3,484 |
| Loan loss allowance to noncurrent loans | 268.0082% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 3,891 |
| Noncurrent loans to loans | 0.4391% | 3,794 |
| Net loans and leases to total assets | 76.3205% | 1,440 |
| Net loans and leases to deposits | 102.5004% | 535 |
| Net loans and leases to core deposits | 117.3699% | 596 |
| Total domestic deposits to total assets | 74.4587% | 5,474 |
| Equity capital to assets | 11.7638% | 2,300 |
| Core capital (leverage) ratio | 11.1248% | 2,305 |
| Tier 1 risk-based capital ratio | 14.0370% | 3,587 |
| Total risk-based capital ratio | 15.1934% | 3,556 |
| Memoranda: | ||
| Average total assets | $429,173,330 | 1,579 |
| Average earning assets | $394,910,000 | 1,593 |
| Average equity | $50,060,000 | 1,523 |
| Average total loans | $333,656,670 | 1,400 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 3,911 |
| Cost of funding earning assets | 0.5484% | 1,728 |
| Net interest margin | 3.2611% | 4,356 |
| Noninterest income to average assets | 0.6950% | 2,065 |
| Noninterest expense to average assets | 2.9390% | 2,575 |
| Loan and lease loss provision to assets | 0.1057% | 1,936 |
| Net operating income to assets | 0.4979% | 4,635 |
| Return on assets (ROA) | 0.5107% | 4,695 |
| Pretax return on assets | 0.6763% | 4,602 |
| Return on Equity (ROE) | 4.3976% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.3976% | 3,280 |
| Net charge-offs to loans | 0.0024% | 3,041 |
| Credit loss provision to net charge-offs | 5,650.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 147 |
| Efficiency ratio | 79.3434% | 1,691 |
| Assets per employee ($millions) | 4.5439% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,583 |
| Loan loss allowance to noncurrent loans | 257.7075% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 3,870 |
| Noncurrent loans to loans | 0.4593% | 3,798 |
| Net loans and leases to total assets | 75.6548% | 1,442 |
| Net loans and leases to deposits | 101.4006% | 538 |
| Net loans and leases to core deposits | 115.6097% | 608 |
| Total domestic deposits to total assets | 74.6098% | 5,559 |
| Equity capital to assets | 11.6061% | 2,342 |
| Core capital (leverage) ratio | 11.0839% | 2,332 |
| Tier 1 risk-based capital ratio | 14.0583% | 3,652 |
| Total risk-based capital ratio | 15.2277% | 3,638 |
| Memoranda: | ||
| Average total assets | $427,622,000 | 1,582 |
| Average earning assets | $394,594,500 | 1,589 |
| Average equity | $49,664,000 | 1,537 |
| Average total loans | $333,563,000 | 1,388 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,928 |
| Cost of funding earning assets | 0.5245% | 1,963 |
| Net interest margin | 3.3117% | 4,247 |
| Noninterest income to average assets | 0.8663% | 1,542 |
| Noninterest expense to average assets | 3.1028% | 2,229 |
| Loan and lease loss provision to assets | 0.1090% | 2,173 |
| Net operating income to assets | 0.5301% | 4,583 |
| Return on assets (ROA) | 0.5402% | 4,629 |
| Pretax return on assets | 0.7253% | 4,454 |
| Return on Equity (ROE) | 4.6183% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.6183% | 2,692 |
| Net charge-offs to loans | 0.1260% | 2,116 |
| Credit loss provision to net charge-offs | 109.4891% | 2,304 |
| Earnings coverage of net charge-offs (x) | 8.2409% | 2,983 |
| Efficiency ratio | 79.0810% | 1,808 |
| Assets per employee ($millions) | 4.4122% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,871 |
| Loan loss allowance to noncurrent loans | 444.0421% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 4,421 |
| Noncurrent loans to loans | 0.2543% | 4,522 |
| Net loans and leases to total assets | 78.5775% | 1,048 |
| Net loans and leases to deposits | 107.1391% | 323 |
| Net loans and leases to core deposits | 119.9524% | 479 |
| Total domestic deposits to total assets | 73.3415% | 5,700 |
| Equity capital to assets | 11.6221% | 2,258 |
| Core capital (leverage) ratio | 11.1114% | 2,301 |
| Tier 1 risk-based capital ratio | 13.6956% | 3,893 |
| Total risk-based capital ratio | 14.8156% | 3,904 |
| Memoranda: | ||
| Average total assets | $412,662,200 | 1,597 |
| Average earning assets | $380,951,600 | 1,604 |
| Average equity | $48,264,200 | 1,543 |
| Average total loans | $326,185,400 | 1,365 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 3,957 |
| Cost of funding earning assets | 0.5215% | 2,029 |
| Net interest margin | 3.3217% | 4,250 |
| Noninterest income to average assets | 0.8730% | 1,536 |
| Noninterest expense to average assets | 3.0723% | 2,293 |
| Loan and lease loss provision to assets | 0.1220% | 1,864 |
| Net operating income to assets | 0.5430% | 4,618 |
| Return on assets (ROA) | 0.5539% | 4,673 |
| Pretax return on assets | 0.7555% | 4,471 |
| Return on Equity (ROE) | 4.7281% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.7281% | 3,105 |
| Net charge-offs to loans | 0.1199% | 1,921 |
| Credit loss provision to net charge-offs | 128.8660% | 1,886 |
| Earnings coverage of net charge-offs (x) | 9.1134% | 2,734 |
| Efficiency ratio | 78.0790% | 1,931 |
| Assets per employee ($millions) | 4.3665% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,901 |
| Loan loss allowance to noncurrent loans | 386.5327% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 4,582 |
| Noncurrent loans to loans | 0.2987% | 4,527 |
| Net loans and leases to total assets | 78.5543% | 1,014 |
| Net loans and leases to deposits | 106.6340% | 345 |
| Net loans and leases to core deposits | 119.1523% | 498 |
| Total domestic deposits to total assets | 73.6672% | 5,741 |
| Equity capital to assets | 11.6746% | 2,366 |
| Core capital (leverage) ratio | 11.0848% | 2,401 |
| Tier 1 risk-based capital ratio | 13.6056% | 4,082 |
| Total risk-based capital ratio | 14.7442% | 4,072 |
| Memoranda: | ||
| Average total assets | $409,934,500 | 1,615 |
| Average earning assets | $377,873,750 | 1,621 |
| Average equity | $48,023,250 | 1,558 |
| Average total loans | $323,573,250 | 1,384 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,003 |
| Cost of funding earning assets | 0.5175% | 2,093 |
| Net interest margin | 3.2987% | 4,308 |
| Noninterest income to average assets | 0.8917% | 1,470 |
| Noninterest expense to average assets | 3.0857% | 2,286 |
| Loan and lease loss provision to assets | 0.1106% | 1,987 |
| Net operating income to assets | 0.5374% | 4,622 |
| Return on assets (ROA) | 0.5457% | 4,685 |
| Pretax return on assets | 0.7526% | 4,483 |
| Return on Equity (ROE) | 4.6523% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.6523% | 3,077 |
| Net charge-offs to loans | 0.0655% | 2,440 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 16.5048% | 1,906 |
| Efficiency ratio | 78.3645% | 2,009 |
| Assets per employee ($millions) | 4.3265% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,841 |
| Loan loss allowance to noncurrent loans | 178.1551% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 3,716 |
| Noncurrent loans to loans | 0.6692% | 3,473 |
| Net loans and leases to total assets | 77.4607% | 1,141 |
| Net loans and leases to deposits | 106.0430% | 375 |
| Net loans and leases to core deposits | 116.8511% | 567 |
| Total domestic deposits to total assets | 73.0465% | 5,864 |
| Equity capital to assets | 11.5979% | 2,333 |
| Core capital (leverage) ratio | 11.1542% | 2,286 |
| Tier 1 risk-based capital ratio | 13.6812% | 4,106 |
| Total risk-based capital ratio | 14.8520% | 4,090 |
| Memoranda: | ||
| Average total assets | $406,851,000 | 1,640 |
| Average earning assets | $375,668,330 | 1,643 |
| Average equity | $47,718,330 | 1,571 |
| Average total loans | $320,386,330 | 1,399 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,639 |
| Cost of funding earning assets | 0.5150% | 2,153 |
| Net interest margin | 3.3806% | 3,914 |
| Noninterest income to average assets | 0.9439% | 1,253 |
| Noninterest expense to average assets | 3.0422% | 2,446 |
| Loan and lease loss provision to assets | 0.1619% | 1,246 |
| Net operating income to assets | 0.5974% | 4,303 |
| Return on assets (ROA) | 0.6120% | 4,324 |
| Pretax return on assets | 0.8783% | 3,972 |
| Return on Equity (ROE) | 5.1882% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.1882% | 2,954 |
| Net charge-offs to loans | 0.1359% | 1,429 |
| Credit loss provision to net charge-offs | 150.9259% | 1,237 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,005 |
| Efficiency ratio | 74.9022% | 2,667 |
| Assets per employee ($millions) | 4.2284% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 3,975 |
| Loan loss allowance to noncurrent loans | 183.8632% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 3,792 |
| Noncurrent loans to loans | 0.6532% | 3,641 |
| Net loans and leases to total assets | 78.1723% | 896 |
| Net loans and leases to deposits | 106.3383% | 307 |
| Net loans and leases to core deposits | 115.9191% | 524 |
| Total domestic deposits to total assets | 73.5129% | 5,941 |
| Equity capital to assets | 11.9273% | 2,079 |
| Core capital (leverage) ratio | 11.2403% | 2,200 |
| Tier 1 risk-based capital ratio | 13.8680% | 4,106 |
| Total risk-based capital ratio | 15.0477% | 4,070 |
| Memoranda: | ||
| Average total assets | $402,606,000 | 1,663 |
| Average earning assets | $371,292,000 | 1,666 |
| Average equity | $47,492,000 | 1,584 |
| Average total loans | $317,775,500 | 1,409 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,106 |
| Cost of funding earning assets | 0.5319% | 2,369 |
| Net interest margin | 3.3738% | 4,309 |
| Noninterest income to average assets | 0.7713% | 1,987 |
| Noninterest expense to average assets | 3.0481% | 2,696 |
| Loan and lease loss provision to assets | 0.0880% | 2,708 |
| Net operating income to assets | 0.5285% | 4,688 |
| Return on assets (ROA) | 0.5544% | 4,671 |
| Pretax return on assets | 0.7562% | 4,420 |
| Return on Equity (ROE) | 4.8167% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.8167% | 2,744 |
| Net charge-offs to loans | 0.0583% | 3,673 |
| Credit loss provision to net charge-offs | 194.4444% | 1,270 |
| Earnings coverage of net charge-offs (x) | 17.8722% | 1,885 |
| Efficiency ratio | 78.5216% | 2,131 |
| Assets per employee ($millions) | 4.1652% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 4,103 |
| Loan loss allowance to noncurrent loans | 201.5533% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 4,113 |
| Noncurrent loans to loans | 0.5876% | 3,902 |
| Net loans and leases to total assets | 77.7070% | 1,037 |
| Net loans and leases to deposits | 106.5183% | 339 |
| Net loans and leases to core deposits | 117.0397% | 499 |
| Total domestic deposits to total assets | 72.9518% | 6,020 |
| Equity capital to assets | 11.6509% | 2,299 |
| Core capital (leverage) ratio | 11.1405% | 2,270 |
| Tier 1 risk-based capital ratio | 13.5400% | 4,389 |
| Total risk-based capital ratio | 14.6966% | 4,383 |
| Memoranda: | ||
| Average total assets | $397,755,400 | 1,652 |
| Average earning assets | $363,769,400 | 1,651 |
| Average equity | $45,778,000 | 1,571 |
| Average total loans | $308,933,000 | 1,390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 4,093 |
| Cost of funding earning assets | 0.5367% | 2,404 |
| Net interest margin | 3.3842% | 4,298 |
| Noninterest income to average assets | 0.7683% | 2,022 |
| Noninterest expense to average assets | 3.0766% | 2,539 |
| Loan and lease loss provision to assets | 0.1010% | 2,351 |
| Net operating income to assets | 0.5034% | 4,860 |
| Return on assets (ROA) | 0.5253% | 4,848 |
| Pretax return on assets | 0.7121% | 4,664 |
| Return on Equity (ROE) | 4.5788% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.5788% | 3,383 |
| Net charge-offs to loans | 0.0643% | 3,284 |
| Credit loss provision to net charge-offs | 202.7027% | 1,252 |
| Earnings coverage of net charge-offs (x) | 15.7296% | 2,035 |
| Efficiency ratio | 79.0846% | 2,042 |
| Assets per employee ($millions) | 4.0703% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,206 |
| Loan loss allowance to noncurrent loans | 229.9754% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 4,282 |
| Noncurrent loans to loans | 0.5228% | 4,364 |
| Net loans and leases to total assets | 77.1344% | 1,075 |
| Net loans and leases to deposits | 105.6590% | 343 |
| Net loans and leases to core deposits | 116.2267% | 498 |
| Total domestic deposits to total assets | 73.0032% | 6,094 |
| Equity capital to assets | 11.6647% | 2,349 |
| Core capital (leverage) ratio | 11.1682% | 2,343 |
| Tier 1 risk-based capital ratio | 13.7744% | 4,371 |
| Total risk-based capital ratio | 14.9645% | 4,340 |
| Memoranda: | ||
| Average total assets | $396,189,250 | 1,673 |
| Average earning assets | $361,948,000 | 1,675 |
| Average equity | $45,454,500 | 1,584 |
| Average total loans | $306,737,500 | 1,406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 4,104 |
| Cost of funding earning assets | 0.5376% | 2,459 |
| Net interest margin | 3.3726% | 4,302 |
| Noninterest income to average assets | 0.7316% | 2,138 |
| Noninterest expense to average assets | 3.1041% | 2,478 |
| Loan and lease loss provision to assets | 0.1184% | 2,070 |
| Net operating income to assets | 0.4474% | 5,030 |
| Return on assets (ROA) | 0.4584% | 5,050 |
| Pretax return on assets | 0.6092% | 4,928 |
| Return on Equity (ROE) | 4.0181% | 5,139 |
| Retained earnings to average equity (ytd only) | 4.0181% | 3,622 |
| Net charge-offs to loans | 0.0793% | 2,900 |
| Credit loss provision to net charge-offs | 193.3884% | 1,209 |
| Earnings coverage of net charge-offs (x) | 11.6446% | 2,139 |
| Efficiency ratio | 80.6999% | 1,918 |
| Assets per employee ($millions) | 4.0619% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,483 |
| Loan loss allowance to noncurrent loans | 211.1111% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 4,280 |
| Noncurrent loans to loans | 0.5622% | 4,334 |
| Net loans and leases to total assets | 78.2842% | 876 |
| Net loans and leases to deposits | 107.4108% | 265 |
| Net loans and leases to core deposits | 118.2173% | 415 |
| Total domestic deposits to total assets | 72.8830% | 6,192 |
| Equity capital to assets | 11.6666% | 2,264 |
| Core capital (leverage) ratio | 11.0132% | 2,418 |
| Tier 1 risk-based capital ratio | 13.6146% | 4,512 |
| Total risk-based capital ratio | 14.8006% | 4,488 |
| Memoranda: | ||
| Average total assets | $395,289,670 | 1,676 |
| Average earning assets | $361,618,000 | 1,669 |
| Average equity | $45,096,330 | 1,584 |
| Average total loans | $305,175,330 | 1,412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 4,170 |
| Cost of funding earning assets | 0.5388% | 2,517 |
| Net interest margin | 3.3414% | 4,363 |
| Noninterest income to average assets | 0.7122% | 2,113 |
| Noninterest expense to average assets | 3.0682% | 2,631 |
| Loan and lease loss provision to assets | 0.1010% | 2,236 |
| Net operating income to assets | 0.4487% | 4,937 |
| Return on assets (ROA) | 0.4556% | 4,980 |
| Pretax return on assets | 0.6031% | 4,818 |
| Return on Equity (ROE) | 4.0393% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.0393% | 3,692 |
| Net charge-offs to loans | 0.0517% | 2,662 |
| Credit loss provision to net charge-offs | 256.4103% | 890 |
| Earnings coverage of net charge-offs (x) | 17.6410% | 1,451 |
| Efficiency ratio | 80.8859% | 2,068 |
| Assets per employee ($millions) | 4.0824% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 4,573 |
| Loan loss allowance to noncurrent loans | 176.9864% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 4,282 |
| Noncurrent loans to loans | 0.6863% | 4,154 |
| Net loans and leases to total assets | 75.0287% | 1,123 |
| Net loans and leases to deposits | 101.6939% | 374 |
| Net loans and leases to core deposits | 111.5475% | 525 |
| Total domestic deposits to total assets | 73.7790% | 6,260 |
| Equity capital to assets | 11.3890% | 2,342 |
| Core capital (leverage) ratio | 10.9047% | 2,484 |
| Tier 1 risk-based capital ratio | 13.7074% | 4,536 |
| Total risk-based capital ratio | 14.8982% | 4,532 |
| Memoranda: | ||
| Average total assets | $395,932,500 | 1,681 |
| Average earning assets | $361,521,500 | 1,686 |
| Average equity | $44,661,000 | 1,591 |
| Average total loans | $301,689,000 | 1,431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 4,281 |
| Cost of funding earning assets | 0.5953% | 2,708 |
| Net interest margin | 3.3552% | 4,461 |
| Noninterest income to average assets | 1.0679% | 1,236 |
| Noninterest expense to average assets | 3.1930% | 2,441 |
| Loan and lease loss provision to assets | 0.1031% | 3,073 |
| Net operating income to assets | 0.6168% | 4,184 |
| Return on assets (ROA) | 0.6309% | 4,221 |
| Pretax return on assets | 0.8508% | 3,958 |
| Return on Equity (ROE) | 5.6074% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.6074% | 2,213 |
| Net charge-offs to loans | 0.0604% | 4,370 |
| Credit loss provision to net charge-offs | 227.2727% | 1,004 |
| Earnings coverage of net charge-offs (x) | 20.6023% | 1,540 |
| Efficiency ratio | 76.7660% | 2,661 |
| Assets per employee ($millions) | 4.0395% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 4,725 |
| Loan loss allowance to noncurrent loans | 157.6130% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 4,204 |
| Noncurrent loans to loans | 0.7531% | 4,084 |
| Net loans and leases to total assets | 75.5357% | 1,141 |
| Net loans and leases to deposits | 102.6745% | 371 |
| Net loans and leases to core deposits | 112.2080% | 531 |
| Total domestic deposits to total assets | 73.5681% | 6,311 |
| Equity capital to assets | 11.1708% | 2,457 |
| Core capital (leverage) ratio | 10.7347% | 2,640 |
| Tier 1 risk-based capital ratio | 13.7448% | 4,486 |
| Total risk-based capital ratio | 14.9293% | 4,479 |
| Memoranda: | ||
| Average total assets | $387,877,400 | 1,698 |
| Average earning assets | $353,748,400 | 1,697 |
| Average equity | $43,638,600 | 1,603 |
| Average total loans | $291,406,600 | 1,457 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 4,314 |
| Cost of funding earning assets | 0.6065% | 2,758 |
| Net interest margin | 3.3439% | 4,484 |
| Noninterest income to average assets | 1.1734% | 1,065 |
| Noninterest expense to average assets | 3.1774% | 2,427 |
| Loan and lease loss provision to assets | 0.1123% | 2,892 |
| Net operating income to assets | 0.6756% | 3,982 |
| Return on assets (ROA) | 0.6917% | 4,036 |
| Pretax return on assets | 0.9519% | 3,681 |
| Return on Equity (ROE) | 6.1373% | 4,115 |
| Retained earnings to average equity (ytd only) | 6.1373% | 2,322 |
| Net charge-offs to loans | 0.0596% | 4,055 |
| Credit loss provision to net charge-offs | 251.9380% | 975 |
| Earnings coverage of net charge-offs (x) | 23.3792% | 1,467 |
| Efficiency ratio | 74.7298% | 2,945 |
| Assets per employee ($millions) | 4.1367% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,866 |
| Loan loss allowance to noncurrent loans | 176.2611% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 4,530 |
| Noncurrent loans to loans | 0.6804% | 4,500 |
| Net loans and leases to total assets | 74.7077% | 1,174 |
| Net loans and leases to deposits | 101.7537% | 397 |
| Net loans and leases to core deposits | 111.2828% | 529 |
| Total domestic deposits to total assets | 73.4201% | 6,405 |
| Equity capital to assets | 11.1675% | 2,601 |
| Core capital (leverage) ratio | 10.8342% | 2,635 |
| Tier 1 risk-based capital ratio | 13.3795% | 4,853 |
| Total risk-based capital ratio | 14.5314% | 4,855 |
| Memoranda: | ||
| Average total assets | $385,879,250 | 1,714 |
| Average earning assets | $351,517,500 | 1,718 |
| Average equity | $43,492,750 | 1,618 |
| Average total loans | $288,604,500 | 1,471 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 4,263 |
| Cost of funding earning assets | 0.6157% | 2,799 |
| Net interest margin | 3.3440% | 4,407 |
| Noninterest income to average assets | 1.3225% | 890 |
| Noninterest expense to average assets | 3.2015% | 2,351 |
| Loan and lease loss provision to assets | 0.1434% | 2,540 |
| Net operating income to assets | 0.7338% | 3,646 |
| Return on assets (ROA) | 0.7567% | 3,679 |
| Pretax return on assets | 1.0513% | 3,291 |
| Return on Equity (ROE) | 6.6926% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.6926% | 2,043 |
| Net charge-offs to loans | 0.0693% | 3,718 |
| Credit loss provision to net charge-offs | 277.7778% | 917 |
| Earnings coverage of net charge-offs (x) | 22.5253% | 1,364 |
| Efficiency ratio | 72.7924% | 3,342 |
| Assets per employee ($millions) | 4.1072% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 4,844 |
| Loan loss allowance to noncurrent loans | 207.3727% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 4,740 |
| Noncurrent loans to loans | 0.5919% | 4,778 |
| Net loans and leases to total assets | 73.8640% | 1,271 |
| Net loans and leases to deposits | 99.5427% | 449 |
| Net loans and leases to core deposits | 108.4972% | 628 |
| Total domestic deposits to total assets | 74.2033% | 6,430 |
| Equity capital to assets | 11.2699% | 2,500 |
| Core capital (leverage) ratio | 10.7972% | 2,568 |
| Tier 1 risk-based capital ratio | 13.4359% | 4,816 |
| Total risk-based capital ratio | 14.6027% | 4,825 |
| Memoranda: | ||
| Average total assets | $383,509,330 | 1,728 |
| Average earning assets | $348,865,000 | 1,732 |
| Average equity | $43,361,330 | 1,628 |
| Average total loans | $285,753,670 | 1,481 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 4,203 |
| Cost of funding earning assets | 0.6440% | 2,711 |
| Net interest margin | 3.3348% | 4,379 |
| Noninterest income to average assets | 1.3594% | 834 |
| Noninterest expense to average assets | 3.2368% | 2,242 |
| Loan and lease loss provision to assets | 0.1308% | 2,607 |
| Net operating income to assets | 0.7507% | 3,431 |
| Return on assets (ROA) | 0.7629% | 3,506 |
| Pretax return on assets | 1.0434% | 3,172 |
| Return on Equity (ROE) | 6.7365% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.7365% | 2,294 |
| Net charge-offs to loans | 0.0084% | 3,982 |
| Credit loss provision to net charge-offs | 2,083.3333% | 166 |
| Earnings coverage of net charge-offs (x) | 184.3333% | 219 |
| Efficiency ratio | 73.1126% | 3,428 |
| Assets per employee ($millions) | 4.0233% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,001 |
| Loan loss allowance to noncurrent loans | 172.1975% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 4,649 |
| Noncurrent loans to loans | 0.7195% | 4,690 |
| Net loans and leases to total assets | 72.7289% | 1,242 |
| Net loans and leases to deposits | 99.2190% | 383 |
| Net loans and leases to core deposits | 108.6357% | 543 |
| Total domestic deposits to total assets | 73.3013% | 6,578 |
| Equity capital to assets | 11.4126% | 2,502 |
| Core capital (leverage) ratio | 10.6470% | 2,596 |
| Tier 1 risk-based capital ratio | 13.3496% | 4,972 |
| Total risk-based capital ratio | 14.5134% | 4,988 |
| Memoranda: | ||
| Average total assets | $382,224,000 | 1,743 |
| Average earning assets | $347,843,500 | 1,746 |
| Average equity | $43,286,500 | 1,649 |
| Average total loans | $284,271,500 | 1,490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 4,453 |
| Cost of funding earning assets | 0.8487% | 2,296 |
| Net interest margin | 3.3860% | 4,936 |
| Noninterest income to average assets | 1.3697% | 832 |
| Noninterest expense to average assets | 3.2179% | 2,554 |
| Loan and lease loss provision to assets | 0.1582% | 3,639 |
| Net operating income to assets | 0.7569% | 3,479 |
| Return on assets (ROA) | 0.8183% | 3,442 |
| Pretax return on assets | 1.1488% | 2,992 |
| Return on Equity (ROE) | 7.4623% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.4623% | 1,353 |
| Net charge-offs to loans | 0.1687% | 4,025 |
| Credit loss provision to net charge-offs | 129.8701% | 2,154 |
| Earnings coverage of net charge-offs (x) | 10.0216% | 2,193 |
| Efficiency ratio | 71.9427% | 3,424 |
| Assets per employee ($millions) | 4.0664% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,246 |
| Loan loss allowance to noncurrent loans | 198.7021% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 5,162 |
| Noncurrent loans to loans | 0.5904% | 5,055 |
| Net loans and leases to total assets | 74.2237% | 1,164 |
| Net loans and leases to deposits | 103.4724% | 282 |
| Net loans and leases to core deposits | 112.6441% | 448 |
| Total domestic deposits to total assets | 71.7328% | 6,706 |
| Equity capital to assets | 11.2372% | 2,699 |
| Core capital (leverage) ratio | 10.4515% | 2,827 |
| Tier 1 risk-based capital ratio | 12.9040% | 5,183 |
| Total risk-based capital ratio | 14.0104% | 5,221 |
| Memoranda: | ||
| Average total assets | $379,344,000 | 1,717 |
| Average earning assets | $343,801,000 | 1,731 |
| Average equity | $41,595,800 | 1,676 |
| Average total loans | $273,785,800 | 1,519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 4,591 |
| Cost of funding earning assets | 0.8845% | 2,275 |
| Net interest margin | 3.3809% | 5,091 |
| Noninterest income to average assets | 1.2677% | 921 |
| Noninterest expense to average assets | 3.0401% | 3,096 |
| Loan and lease loss provision to assets | 0.1345% | 3,863 |
| Net operating income to assets | 0.8060% | 3,421 |
| Return on assets (ROA) | 0.8832% | 3,302 |
| Pretax return on assets | 1.2575% | 2,759 |
| Return on Equity (ROE) | 8.1052% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.1052% | 1,572 |
| Net charge-offs to loans | 0.1375% | 4,015 |
| Credit loss provision to net charge-offs | 136.9176% | 2,106 |
| Earnings coverage of net charge-offs (x) | 13.0466% | 1,953 |
| Efficiency ratio | 69.7629% | 3,735 |
| Assets per employee ($millions) | 4.1350% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 5,283 |
| Loan loss allowance to noncurrent loans | 190.7842% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 5,309 |
| Noncurrent loans to loans | 0.6287% | 5,182 |
| Net loans and leases to total assets | 72.1674% | 1,524 |
| Net loans and leases to deposits | 100.1412% | 426 |
| Net loans and leases to core deposits | 108.8966% | 612 |
| Total domestic deposits to total assets | 72.0657% | 6,737 |
| Equity capital to assets | 11.1756% | 3,063 |
| Core capital (leverage) ratio | 10.4451% | 2,981 |
| Tier 1 risk-based capital ratio | 13.0865% | 5,181 |
| Total risk-based capital ratio | 14.2142% | 5,245 |
| Memoranda: | ||
| Average total assets | $378,620,500 | 1,739 |
| Average earning assets | $342,031,500 | 1,760 |
| Average equity | $41,256,500 | 1,705 |
| Average total loans | $270,462,500 | 1,546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 4,512 |
| Cost of funding earning assets | 0.9278% | 2,205 |
| Net interest margin | 3.3860% | 5,135 |
| Noninterest income to average assets | 1.2153% | 970 |
| Noninterest expense to average assets | 3.0474% | 3,102 |
| Loan and lease loss provision to assets | 0.1243% | 3,966 |
| Net operating income to assets | 0.7761% | 3,483 |
| Return on assets (ROA) | 0.8613% | 3,348 |
| Pretax return on assets | 1.2163% | 2,854 |
| Return on Equity (ROE) | 7.9731% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.9731% | 1,647 |
| Net charge-offs to loans | 0.1590% | 3,649 |
| Credit loss provision to net charge-offs | 110.3286% | 2,468 |
| Earnings coverage of net charge-offs (x) | 10.8310% | 2,014 |
| Efficiency ratio | 70.8194% | 3,629 |
| Assets per employee ($millions) | 4.2904% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,374 |
| Loan loss allowance to noncurrent loans | 177.5109% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 5,321 |
| Noncurrent loans to loans | 0.6737% | 5,155 |
| Net loans and leases to total assets | 71.1612% | 1,707 |
| Net loans and leases to deposits | 95.4603% | 662 |
| Net loans and leases to core deposits | 103.4651% | 892 |
| Total domestic deposits to total assets | 74.5453% | 6,630 |
| Equity capital to assets | 10.9885% | 3,132 |
| Core capital (leverage) ratio | 10.1908% | 3,158 |
| Tier 1 risk-based capital ratio | 12.8067% | 5,332 |
| Total risk-based capital ratio | 13.9091% | 5,425 |
| Memoranda: | ||
| Average total assets | $378,021,670 | 1,742 |
| Average earning assets | $340,814,000 | 1,767 |
| Average equity | $40,837,330 | 1,711 |
| Average total loans | $267,993,330 | 1,553 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 4,437 |
| Cost of funding earning assets | 0.9684% | 2,174 |
| Net interest margin | 3.4058% | 5,098 |
| Noninterest income to average assets | 1.3991% | 735 |
| Noninterest expense to average assets | 3.0086% | 3,213 |
| Loan and lease loss provision to assets | 0.0529% | 4,750 |
| Net operating income to assets | 0.9566% | 2,653 |
| Return on assets (ROA) | 0.9803% | 2,761 |
| Pretax return on assets | 1.4445% | 2,039 |
| Return on Equity (ROE) | 9.1528% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.1528% | 1,532 |
| Net charge-offs to loans | 0.0241% | 4,353 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 86.4375% | 395 |
| Efficiency ratio | 66.7455% | 4,417 |
| Assets per employee ($millions) | 4.1083% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,335 |
| Loan loss allowance to noncurrent loans | 252.0463% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 5,779 |
| Noncurrent loans to loans | 0.4906% | 5,694 |
| Net loans and leases to total assets | 68.9703% | 1,950 |
| Net loans and leases to deposits | 92.8592% | 739 |
| Net loans and leases to core deposits | 100.6568% | 949 |
| Total domestic deposits to total assets | 74.2740% | 6,721 |
| Equity capital to assets | 10.8371% | 3,097 |
| Core capital (leverage) ratio | 10.0711% | 3,285 |
| Tier 1 risk-based capital ratio | 13.0438% | 5,183 |
| Total risk-based capital ratio | 14.1929% | 5,226 |
| Memoranda: | ||
| Average total assets | $378,254,000 | 1,752 |
| Average earning assets | $341,187,500 | 1,770 |
| Average equity | $40,512,000 | 1,715 |
| Average total loans | $266,027,000 | 1,573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 4,554 |
| Cost of funding earning assets | 1.1960% | 2,060 |
| Net interest margin | 3.4324% | 5,390 |
| Noninterest income to average assets | 0.8322% | 1,918 |
| Noninterest expense to average assets | 3.0416% | 3,427 |
| Loan and lease loss provision to assets | 0.1290% | 5,002 |
| Net operating income to assets | 0.5821% | 4,089 |
| Return on assets (ROA) | 0.6198% | 4,085 |
| Pretax return on assets | 0.8332% | 3,849 |
| Return on Equity (ROE) | 5.8721% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.8721% | 2,092 |
| Net charge-offs to loans | 0.3468% | 3,666 |
| Credit loss provision to net charge-offs | 52.4283% | 5,365 |
| Earnings coverage of net charge-offs (x) | 3.7042% | 3,417 |
| Efficiency ratio | 76.3033% | 2,840 |
| Assets per employee ($millions) | 4.2533% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 5,366 |
| Loan loss allowance to noncurrent loans | 284.8325% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 6,023 |
| Noncurrent loans to loans | 0.4230% | 5,860 |
| Net loans and leases to total assets | 69.9726% | 2,033 |
| Net loans and leases to deposits | 95.4874% | 705 |
| Net loans and leases to core deposits | 103.7720% | 915 |
| Total domestic deposits to total assets | 73.2795% | 6,785 |
| Equity capital to assets | 10.5836% | 3,438 |
| Core capital (leverage) ratio | 9.8337% | 3,537 |
| Tier 1 risk-based capital ratio | 12.4735% | 5,473 |
| Total risk-based capital ratio | 13.5884% | 5,560 |
| Memoranda: | ||
| Average total assets | $368,321,400 | 1,767 |
| Average earning assets | $334,866,200 | 1,772 |
| Average equity | $38,878,600 | 1,733 |
| Average total loans | $261,275,400 | 1,611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 4,571 |
| Cost of funding earning assets | 1.2340% | 2,093 |
| Net interest margin | 3.4408% | 5,424 |
| Noninterest income to average assets | 0.8406% | 1,872 |
| Noninterest expense to average assets | 3.0901% | 3,195 |
| Loan and lease loss provision to assets | 0.1101% | 5,058 |
| Net operating income to assets | 0.5664% | 4,239 |
| Return on assets (ROA) | 0.6150% | 4,201 |
| Pretax return on assets | 0.8355% | 3,997 |
| Return on Equity (ROE) | 5.8298% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.8298% | 2,651 |
| Net charge-offs to loans | 0.4171% | 3,056 |
| Credit loss provision to net charge-offs | 37.1921% | 5,296 |
| Earnings coverage of net charge-offs (x) | 2.9729% | 3,655 |
| Efficiency ratio | 77.1922% | 2,652 |
| Assets per employee ($millions) | 4.3203% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,502 |
| Loan loss allowance to noncurrent loans | 226.2024% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 5,968 |
| Noncurrent loans to loans | 0.5270% | 5,799 |
| Net loans and leases to total assets | 70.2944% | 2,022 |
| Net loans and leases to deposits | 94.2758% | 808 |
| Net loans and leases to core deposits | 102.3642% | 1,079 |
| Total domestic deposits to total assets | 74.5626% | 6,695 |
| Equity capital to assets | 10.6362% | 3,533 |
| Core capital (leverage) ratio | 9.7748% | 3,735 |
| Tier 1 risk-based capital ratio | 12.4003% | 5,580 |
| Total risk-based capital ratio | 13.5008% | 5,688 |
| Memoranda: | ||
| Average total assets | $365,764,750 | 1,782 |
| Average earning assets | $332,667,750 | 1,792 |
| Average equity | $38,582,250 | 1,748 |
| Average total loans | $259,566,750 | 1,636 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 4,629 |
| Cost of funding earning assets | 1.2590% | 2,192 |
| Net interest margin | 3.4200% | 5,480 |
| Noninterest income to average assets | 0.9367% | 1,504 |
| Noninterest expense to average assets | 3.1030% | 3,242 |
| Loan and lease loss provision to assets | 0.0412% | 5,794 |
| Net operating income to assets | 0.6774% | 3,655 |
| Return on assets (ROA) | 0.6981% | 3,669 |
| Pretax return on assets | 0.9427% | 3,464 |
| Return on Equity (ROE) | 6.6370% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.6370% | 2,060 |
| Net charge-offs to loans | 0.1543% | 4,255 |
| Credit loss provision to net charge-offs | 37.6884% | 4,857 |
| Earnings coverage of net charge-offs (x) | 8.7387% | 2,011 |
| Efficiency ratio | 75.8126% | 3,048 |
| Assets per employee ($millions) | 4.0533% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,771 |
| Loan loss allowance to noncurrent loans | 183.1693% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 5,707 |
| Noncurrent loans to loans | 0.7428% | 5,427 |
| Net loans and leases to total assets | 70.2928% | 2,160 |
| Net loans and leases to deposits | 94.4298% | 843 |
| Net loans and leases to core deposits | 102.7953% | 1,132 |
| Total domestic deposits to total assets | 74.4393% | 6,791 |
| Equity capital to assets | 10.7200% | 3,268 |
| Core capital (leverage) ratio | 9.7155% | 3,644 |
| Tier 1 risk-based capital ratio | 12.0445% | 5,753 |
| Total risk-based capital ratio | 13.2605% | 5,746 |
| Memoranda: | ||
| Average total assets | $363,838,670 | 1,800 |
| Average earning assets | $332,167,330 | 1,798 |
| Average equity | $38,270,330 | 1,754 |
| Average total loans | $257,980,670 | 1,664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 4,750 |
| Cost of funding earning assets | 1.2837% | 2,283 |
| Net interest margin | 3.3637% | 5,568 |
| Noninterest income to average assets | 1.0678% | 1,150 |
| Noninterest expense to average assets | 3.0955% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7684% | 3,179 |
| Return on assets (ROA) | 0.7684% | 3,254 |
| Pretax return on assets | 1.0414% | 2,983 |
| Return on Equity (ROE) | 7.3760% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.3760% | 1,995 |
| Net charge-offs to loans | 0.2288% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.4354% | 2,102 |
| Efficiency ratio | 74.2150% | 3,478 |
| Assets per employee ($millions) | 3.9911% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,777 |
| Loan loss allowance to noncurrent loans | 170.5825% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 5,674 |
| Noncurrent loans to loans | 0.8076% | 5,416 |
| Net loans and leases to total assets | 69.2682% | 2,273 |
| Net loans and leases to deposits | 93.4077% | 882 |
| Net loans and leases to core deposits | 104.0375% | 1,061 |
| Total domestic deposits to total assets | 74.1568% | 6,885 |
| Equity capital to assets | 10.5219% | 3,156 |
| Core capital (leverage) ratio | 9.5890% | 3,670 |
| Tier 1 risk-based capital ratio | 11.9303% | 5,753 |
| Total risk-based capital ratio | 13.1481% | 5,777 |
| Memoranda: | ||
| Average total assets | $363,361,000 | 1,811 |
| Average earning assets | $331,538,000 | 1,807 |
| Average equity | $37,852,500 | 1,758 |
| Average total loans | $256,990,500 | 1,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 4,474 |
| Cost of funding earning assets | 1.5395% | 2,410 |
| Net interest margin | 3.4770% | 5,336 |
| Noninterest income to average assets | 1.1101% | 1,202 |
| Noninterest expense to average assets | 3.2646% | 2,855 |
| Loan and lease loss provision to assets | 0.1078% | 6,068 |
| Net operating income to assets | 0.6680% | 3,353 |
| Return on assets (ROA) | 0.7248% | 3,254 |
| Pretax return on assets | 0.9490% | 3,105 |
| Return on Equity (ROE) | 7.0031% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.0031% | 1,322 |
| Net charge-offs to loans | 0.0483% | 6,314 |
| Credit loss provision to net charge-offs | 308.9431% | 859 |
| Earnings coverage of net charge-offs (x) | 28.1382% | 774 |
| Efficiency ratio | 76.2446% | 3,018 |
| Assets per employee ($millions) | 4.0393% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 4,449 |
| Loan loss allowance to noncurrent loans | 186.0264% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 5,775 |
| Noncurrent loans to loans | 0.7602% | 5,525 |
| Net loans and leases to total assets | 70.2086% | 2,495 |
| Net loans and leases to deposits | 95.6291% | 901 |
| Net loans and leases to core deposits | 107.6987% | 1,077 |
| Total domestic deposits to total assets | 73.4177% | 6,957 |
| Equity capital to assets | 10.3129% | 3,376 |
| Core capital (leverage) ratio | 9.3862% | 3,868 |
| Tier 1 risk-based capital ratio | 11.4374% | 5,959 |
| Total risk-based capital ratio | 12.6790% | 5,958 |
| Memoranda: | ||
| Average total assets | $352,388,000 | 1,856 |
| Average earning assets | $317,891,400 | 1,871 |
| Average equity | $36,469,600 | 1,816 |
| Average total loans | $254,585,400 | 1,737 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 4,401 |
| Cost of funding earning assets | 1.5935% | 2,424 |
| Net interest margin | 3.4915% | 5,328 |
| Noninterest income to average assets | 0.9550% | 1,604 |
| Noninterest expense to average assets | 2.9652% | 3,871 |
| Loan and lease loss provision to assets | 0.1449% | 5,584 |
| Net operating income to assets | 0.7065% | 3,379 |
| Return on assets (ROA) | 0.7807% | 3,245 |
| Pretax return on assets | 1.0865% | 2,869 |
| Return on Equity (ROE) | 7.5365% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.5365% | 1,583 |
| Net charge-offs to loans | 0.0373% | 6,190 |
| Credit loss provision to net charge-offs | 535.2113% | 539 |
| Earnings coverage of net charge-offs (x) | 41.6779% | 663 |
| Efficiency ratio | 71.7813% | 3,747 |
| Assets per employee ($millions) | 4.0145% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 4,184 |
| Loan loss allowance to noncurrent loans | 120.9052% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 5,188 |
| Noncurrent loans to loans | 1.2032% | 4,837 |
| Net loans and leases to total assets | 70.3994% | 2,638 |
| Net loans and leases to deposits | 94.5207% | 1,147 |
| Net loans and leases to core deposits | 107.0683% | 1,235 |
| Total domestic deposits to total assets | 74.4805% | 6,861 |
| Equity capital to assets | 10.5123% | 3,496 |
| Core capital (leverage) ratio | 9.5014% | 3,900 |
| Tier 1 risk-based capital ratio | 11.7105% | 5,723 |
| Total risk-based capital ratio | 12.9613% | 5,693 |
| Memoranda: | ||
| Average total assets | $349,601,250 | 1,898 |
| Average earning assets | $314,278,000 | 1,917 |
| Average equity | $36,214,250 | 1,846 |
| Average total loans | $253,508,250 | 1,762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 4,229 |
| Cost of funding earning assets | 1.6227% | 2,529 |
| Net interest margin | 3.5201% | 5,160 |
| Noninterest income to average assets | 0.8731% | 1,791 |
| Noninterest expense to average assets | 2.9322% | 3,951 |
| Loan and lease loss provision to assets | 0.2075% | 4,801 |
| Net operating income to assets | 0.6316% | 3,731 |
| Return on assets (ROA) | 0.7175% | 3,473 |
| Pretax return on assets | 1.0149% | 3,062 |
| Return on Equity (ROE) | 6.9619% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.9619% | 1,848 |
| Net charge-offs to loans | 0.0506% | 5,678 |
| Credit loss provision to net charge-offs | 562.5000% | 658 |
| Earnings coverage of net charge-offs (x) | 29.8594% | 925 |
| Efficiency ratio | 72.0246% | 3,811 |
| Assets per employee ($millions) | 3.8452% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,167 |
| Loan loss allowance to noncurrent loans | 126.1937% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 5,263 |
| Noncurrent loans to loans | 1.1507% | 5,036 |
| Net loans and leases to total assets | 71.7586% | 2,468 |
| Net loans and leases to deposits | 96.1851% | 1,032 |
| Net loans and leases to core deposits | 109.1566% | 1,223 |
| Total domestic deposits to total assets | 74.6047% | 6,901 |
| Equity capital to assets | 10.4628% | 3,463 |
| Core capital (leverage) ratio | 9.4372% | 3,914 |
| Tier 1 risk-based capital ratio | 11.6180% | 5,659 |
| Total risk-based capital ratio | 12.8689% | 5,616 |
| Memoranda: | ||
| Average total assets | $347,039,330 | 1,927 |
| Average earning assets | $311,578,670 | 1,956 |
| Average equity | $35,766,000 | 1,864 |
| Average total loans | $252,930,670 | 1,793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 4,259 |
| Cost of funding earning assets | 1.6701% | 2,539 |
| Net interest margin | 3.4875% | 5,215 |
| Noninterest income to average assets | 0.9120% | 1,580 |
| Noninterest expense to average assets | 3.0162% | 3,617 |
| Loan and lease loss provision to assets | 0.2083% | 4,419 |
| Net operating income to assets | 0.5683% | 4,040 |
| Return on assets (ROA) | 0.7222% | 3,459 |
| Pretax return on assets | 1.0324% | 2,960 |
| Return on Equity (ROE) | 7.0621% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.0621% | 2,111 |
| Net charge-offs to loans | 0.0333% | 5,115 |
| Credit loss provision to net charge-offs | 857.1429% | 539 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 657 |
| Efficiency ratio | 74.0252% | 3,572 |
| Assets per employee ($millions) | 3.8745% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,342 |
| Loan loss allowance to noncurrent loans | 108.4957% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 5,048 |
| Noncurrent loans to loans | 1.3048% | 4,799 |
| Net loans and leases to total assets | 71.9528% | 2,461 |
| Net loans and leases to deposits | 96.9192% | 1,005 |
| Net loans and leases to core deposits | 109.3553% | 1,327 |
| Total domestic deposits to total assets | 74.2400% | 7,016 |
| Equity capital to assets | 10.3466% | 3,414 |
| Core capital (leverage) ratio | 9.3947% | 3,915 |
| Tier 1 risk-based capital ratio | 11.6769% | 5,507 |
| Total risk-based capital ratio | 12.9842% | 5,409 |
| Memoranda: | ||
| Average total assets | $345,601,500 | 1,980 |
| Average earning assets | $309,675,000 | 2,017 |
| Average equity | $35,343,500 | 1,907 |
| Average total loans | $251,999,000 | 1,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 4,441 |
| Cost of funding earning assets | 1.9566% | 3,177 |
| Net interest margin | 3.4928% | 4,988 |
| Noninterest income to average assets | 1.2398% | 981 |
| Noninterest expense to average assets | 3.5865% | 2,183 |
| Loan and lease loss provision to assets | 0.3666% | 4,599 |
| Net operating income to assets | 0.3568% | 4,299 |
| Return on assets (ROA) | 0.3616% | 4,381 |
| Pretax return on assets | 0.4382% | 4,380 |
| Return on Equity (ROE) | 3.5545% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.4968% | 2,722 |
| Net charge-offs to loans | 0.1360% | 5,845 |
| Credit loss provision to net charge-offs | 373.1343% | 852 |
| Earnings coverage of net charge-offs (x) | 8.1313% | 1,996 |
| Efficiency ratio | 81.1530% | 2,720 |
| Assets per employee ($millions) | 3.8486% | 4,146 |
| Cash dividends to net income (ytd only)* | 1.6221% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,486 |
| Loan loss allowance to noncurrent loans | 90.5801% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1932% | 4,718 |
| Noncurrent loans to loans | 1.4894% | 4,434 |
| Net loans and leases to total assets | 71.8637% | 2,782 |
| Net loans and leases to deposits | 96.8941% | 1,221 |
| Net loans and leases to core deposits | 119.6797% | 1,974 |
| Total domestic deposits to total assets | 74.1672% | 6,995 |
| Equity capital to assets | 10.1073% | 3,609 |
| Core capital (leverage) ratio | 9.0845% | 4,281 |
| Tier 1 risk-based capital ratio | 11.4585% | 5,445 |
| Total risk-based capital ratio | 12.7103% | 5,401 |
| Memoranda: | ||
| Average total assets | $340,944,000 | 1,997 |
| Average earning assets | $307,060,000 | 2,028 |
| Average equity | $34,688,800 | 1,938 |
| Average total loans | $246,351,600 | 1,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 4,445 |
| Cost of funding earning assets | 2.0122% | 3,289 |
| Net interest margin | 3.4814% | 4,943 |
| Noninterest income to average assets | 1.3082% | 908 |
| Noninterest expense to average assets | 3.4712% | 2,353 |
| Loan and lease loss provision to assets | 0.3494% | 4,228 |
| Net operating income to assets | 0.4777% | 4,079 |
| Return on assets (ROA) | 0.4884% | 4,130 |
| Pretax return on assets | 0.6388% | 4,059 |
| Return on Equity (ROE) | 4.7925% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.7155% | 2,647 |
| Net charge-offs to loans | 0.1421% | 5,279 |
| Credit loss provision to net charge-offs | 340.9962% | 1,199 |
| Earnings coverage of net charge-offs (x) | 9.5058% | 2,099 |
| Efficiency ratio | 77.4598% | 3,244 |
| Assets per employee ($millions) | 3.8321% | 4,116 |
| Cash dividends to net income (ytd only)* | 1.6080% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,769 |
| Loan loss allowance to noncurrent loans | 79.7646% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,564 |
| Noncurrent loans to loans | 1.5775% | 4,273 |
| Net loans and leases to total assets | 70.9444% | 3,281 |
| Net loans and leases to deposits | 97.2179% | 1,411 |
| Net loans and leases to core deposits | 120.8965% | 2,168 |
| Total domestic deposits to total assets | 72.9746% | 7,090 |
| Equity capital to assets | 10.3636% | 3,664 |
| Core capital (leverage) ratio | 9.2960% | 4,196 |
| Tier 1 risk-based capital ratio | 11.1468% | 5,816 |
| Total risk-based capital ratio | 12.2672% | 5,902 |
| Memoranda: | ||
| Average total assets | $339,586,500 | 2,020 |
| Average earning assets | $305,995,500 | 2,054 |
| Average equity | $34,608,750 | 1,961 |
| Average total loans | $244,859,250 | 1,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 4,091 |
| Cost of funding earning assets | 2.0990% | 3,269 |
| Net interest margin | 3.4984% | 4,805 |
| Noninterest income to average assets | 1.5606% | 615 |
| Noninterest expense to average assets | 3.5338% | 2,233 |
| Loan and lease loss provision to assets | 0.3256% | 3,986 |
| Net operating income to assets | 0.6177% | 3,603 |
| Return on assets (ROA) | 0.6264% | 3,668 |
| Pretax return on assets | 0.8567% | 3,487 |
| Return on Equity (ROE) | 6.1816% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.0647% | 1,987 |
| Net charge-offs to loans | 0.1985% | 4,295 |
| Credit loss provision to net charge-offs | 227.2727% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.1694% | 2,303 |
| Efficiency ratio | 74.5281% | 3,950 |
| Assets per employee ($millions) | 3.7650% | 4,181 |
| Cash dividends to net income (ytd only)* | 1.8904% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,295 |
| Loan loss allowance to noncurrent loans | 94.3976% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 4,896 |
| Noncurrent loans to loans | 1.2136% | 4,788 |
| Net loans and leases to total assets | 71.2250% | 3,417 |
| Net loans and leases to deposits | 98.0575% | 1,509 |
| Net loans and leases to core deposits | 121.0519% | 2,272 |
| Total domestic deposits to total assets | 72.6360% | 7,162 |
| Equity capital to assets | 10.3099% | 3,610 |
| Core capital (leverage) ratio | 8.4660% | 5,502 |
| Tier 1 risk-based capital ratio | 11.1587% | 5,721 |
| Total risk-based capital ratio | 12.1697% | 5,903 |
| Memoranda: | ||
| Average total assets | $337,818,670 | 2,052 |
| Average earning assets | $303,568,000 | 2,091 |
| Average equity | $34,230,670 | 1,977 |
| Average total loans | $243,879,670 | 1,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 3,951 |
| Cost of funding earning assets | 2.1845% | 3,244 |
| Net interest margin | 3.4835% | 4,793 |
| Noninterest income to average assets | 1.2096% | 982 |
| Noninterest expense to average assets | 3.2588% | 2,766 |
| Loan and lease loss provision to assets | 0.1364% | 5,216 |
| Net operating income to assets | 0.6866% | 3,622 |
| Return on assets (ROA) | 0.6866% | 3,804 |
| Pretax return on assets | 0.9404% | 3,562 |
| Return on Equity (ROE) | 6.8362% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.8362% | 2,270 |
| Net charge-offs to loans | 0.2527% | 3,145 |
| Credit loss provision to net charge-offs | 74.6753% | 4,273 |
| Earnings coverage of net charge-offs (x) | 5.8961% | 2,586 |
| Efficiency ratio | 74.5077% | 3,732 |
| Assets per employee ($millions) | 3.7692% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,087 |
| Loan loss allowance to noncurrent loans | 113.3210% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 5,327 |
| Noncurrent loans to loans | 0.8949% | 5,214 |
| Net loans and leases to total assets | 70.4927% | 3,573 |
| Net loans and leases to deposits | 97.4839% | 1,740 |
| Net loans and leases to core deposits | 122.5521% | 2,202 |
| Total domestic deposits to total assets | 72.3121% | 7,160 |
| Equity capital to assets | 10.0761% | 3,907 |
| Core capital (leverage) ratio | 8.6002% | 5,343 |
| Tier 1 risk-based capital ratio | 10.7602% | 6,131 |
| Total risk-based capital ratio | 11.6261% | 6,433 |
| Memoranda: | ||
| Average total assets | $337,303,000 | 2,065 |
| Average earning assets | $302,681,500 | 2,109 |
| Average equity | $33,878,500 | 2,011 |
| Average total loans | $243,748,000 | 2,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1213% | 4,932 |
| Cost of funding earning assets | 2.6657% | 3,335 |
| Net interest margin | 3.4556% | 5,449 |
| Noninterest income to average assets | 0.6785% | 3,262 |
| Noninterest expense to average assets | 3.1134% | 3,642 |
| Loan and lease loss provision to assets | 0.1310% | 5,690 |
| Net operating income to assets | 0.4551% | 4,927 |
| Return on assets (ROA) | 0.4283% | 4,854 |
| Pretax return on assets | 0.5436% | 4,868 |
| Return on Equity (ROE) | 4.2731% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.2731% | 2,464 |
| Net charge-offs to loans | 0.1337% | 4,885 |
| Credit loss provision to net charge-offs | 133.4356% | 3,982 |
| Earnings coverage of net charge-offs (x) | 7.2178% | 3,160 |
| Efficiency ratio | 80.7186% | 2,497 |
| Assets per employee ($millions) | 3.7683% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 5,911 |
| Loan loss allowance to noncurrent loans | 181.6788% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 5,496 |
| Noncurrent loans to loans | 0.5571% | 5,692 |
| Net loans and leases to total assets | 72.5826% | 3,470 |
| Net loans and leases to deposits | 102.4529% | 1,540 |
| Net loans and leases to core deposits | 131.1223% | 1,773 |
| Total domestic deposits to total assets | 70.8448% | 7,183 |
| Equity capital to assets | 10.0114% | 4,023 |
| Core capital (leverage) ratio | 8.7228% | 5,159 |
| Tier 1 risk-based capital ratio | 10.5460% | 6,160 |
| Total risk-based capital ratio | 11.4259% | 6,408 |
| Memoranda: | ||
| Average total assets | $332,048,200 | 2,014 |
| Average earning assets | $302,061,800 | 2,024 |
| Average equity | $33,277,800 | 2,030 |
| Average total loans | $243,755,600 | 1,944 |