Home > Savings Bank of Walpole > Performance and Condition Ratios
Savings Bank of Walpole, 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 | 4.0920% | 3,822 |
| Cost of funding earning assets | 0.6005% | 4,070 |
| Net interest margin | 3.4914% | 2,204 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.8124% | 1,467 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7032% | 3,191 |
| Return on assets (ROA) | 0.7032% | 3,161 |
| Pretax return on assets | 0.9291% | 2,876 |
| Return on Equity (ROE) | 11.3400% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.1163% | 989 |
| Net charge-offs to loans | -0.0608% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.3602% | 1,417 |
| Assets per employee ($millions) | 6.9974% | 2,077 |
| Cash dividends to net income (ytd only)* | 10.7671% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,228 |
| Loan loss allowance to noncurrent loans | 1,309.4298% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,153 |
| Noncurrent loans to loans | 0.0776% | 3,165 |
| Net loans and leases to total assets | 79.9600% | 643 |
| Net loans and leases to deposits | 88.1342% | 1,417 |
| Net loans and leases to core deposits | 91.6261% | 1,936 |
| Total domestic deposits to total assets | 90.7200% | 577 |
| Equity capital to assets | 6.7401% | 4,037 |
| Core capital (leverage) ratio | 8.2263% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2960% | 2,134 |
| Memoranda: | ||
| Average total assets | $721,121,800 | 1,275 |
| Average earning assets | $687,371,000 | 1,260 |
| Average equity | $44,729,800 | 1,742 |
| Average total loans | $575,325,800 | 1,111 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 3,861 |
| Cost of funding earning assets | 0.5145% | 4,114 |
| Net interest margin | 3.4756% | 2,266 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.8811% | 1,267 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.5654% | 3,636 |
| Return on assets (ROA) | 0.5654% | 3,619 |
| Pretax return on assets | 0.7422% | 3,466 |
| Return on Equity (ROE) | 9.3200% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.0640% | 1,943 |
| Net charge-offs to loans | 0.0023% | 2,469 |
| Credit loss provision to net charge-offs | 6,400.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 472.5000% | 322 |
| Efficiency ratio | 76.6920% | 1,115 |
| Assets per employee ($millions) | 6.8642% | 2,060 |
| Cash dividends to net income (ytd only)* | 13.4710% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,248 |
| Loan loss allowance to noncurrent loans | 1,023.0118% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 3,054 |
| Noncurrent loans to loans | 0.0998% | 3,076 |
| Net loans and leases to total assets | 79.7700% | 677 |
| Net loans and leases to deposits | 88.7180% | 1,324 |
| Net loans and leases to core deposits | 91.6282% | 1,824 |
| Total domestic deposits to total assets | 89.9100% | 966 |
| Equity capital to assets | 5.8708% | 4,035 |
| Core capital (leverage) ratio | 7.9248% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6144% | 2,417 |
| Memoranda: | ||
| Average total assets | $719,469,750 | 1,277 |
| Average earning assets | $685,408,500 | 1,255 |
| Average equity | $43,649,750 | 1,760 |
| Average total loans | $572,196,000 | 1,116 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 3,938 |
| Cost of funding earning assets | 0.3716% | 4,210 |
| Net interest margin | 3.4847% | 2,298 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.8667% | 1,288 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.5848% | 3,622 |
| Return on assets (ROA) | 0.5848% | 3,624 |
| Pretax return on assets | 0.7673% | 3,470 |
| Return on Equity (ROE) | 9.5300% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2826% | 1,880 |
| Net charge-offs to loans | -0.0014% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1299% | 1,166 |
| Assets per employee ($millions) | 6.2430% | 2,512 |
| Cash dividends to net income (ytd only)* | 13.1163% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,466 |
| Loan loss allowance to noncurrent loans | 1,187.7551% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,102 |
| Noncurrent loans to loans | 0.0835% | 3,091 |
| Net loans and leases to total assets | 78.8800% | 750 |
| Net loans and leases to deposits | 87.4846% | 1,387 |
| Net loans and leases to core deposits | 89.4307% | 1,833 |
| Total domestic deposits to total assets | 90.1700% | 878 |
| Equity capital to assets | 6.0493% | 4,131 |
| Core capital (leverage) ratio | 7.9752% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5010% | 2,465 |
| Memoranda: | ||
| Average total assets | $714,469,667 | 1,278 |
| Average earning assets | $681,962,000 | 1,252 |
| Average equity | $43,826,667 | 1,757 |
| Average total loans | $565,620,333 | 1,113 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 3,929 |
| Cost of funding earning assets | 0.2536% | 4,289 |
| Net interest margin | 3.5049% | 2,352 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.8435% | 1,344 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6261% | 3,646 |
| Return on assets (ROA) | 0.6261% | 3,602 |
| Pretax return on assets | 0.8229% | 3,413 |
| Return on Equity (ROE) | 10.1300% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.8638% | 1,987 |
| Net charge-offs to loans | -0.0086% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.2219% | 1,231 |
| Assets per employee ($millions) | 6.2858% | 2,516 |
| Cash dividends to net income (ytd only)* | 12.5341% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,442 |
| Loan loss allowance to noncurrent loans | 1,135.7285% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,086 |
| Noncurrent loans to loans | 0.0897% | 3,101 |
| Net loans and leases to total assets | 78.5200% | 710 |
| Net loans and leases to deposits | 84.7304% | 1,450 |
| Net loans and leases to core deposits | 85.6211% | 1,888 |
| Total domestic deposits to total assets | 92.6700% | 361 |
| Equity capital to assets | 6.3509% | 4,081 |
| Core capital (leverage) ratio | 8.0361% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9898% | 2,393 |
| Memoranda: | ||
| Average total assets | $703,365,500 | 1,307 |
| Average earning assets | $671,967,500 | 1,280 |
| Average equity | $43,457,500 | 1,784 |
| Average total loans | $554,965,500 | 1,142 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3596% | 3,452 |
| Cost of funding earning assets | 0.1252% | 4,253 |
| Net interest margin | 3.2344% | 2,753 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.8535% | 1,219 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.3858% | 4,257 |
| Return on assets (ROA) | 0.3858% | 4,223 |
| Pretax return on assets | 0.4844% | 4,185 |
| Return on Equity (ROE) | 5.8000% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.9014% | 3,088 |
| Net charge-offs to loans | 0.0335% | 1,404 |
| Credit loss provision to net charge-offs | 753.4884% | 512 |
| Earnings coverage of net charge-offs (x) | 26.9012% | 1,747 |
| Efficiency ratio | 80.9196% | 656 |
| Assets per employee ($millions) | 6.2187% | 2,577 |
| Cash dividends to net income (ytd only)* | 15.5296% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,385 |
| Loan loss allowance to noncurrent loans | 671.2895% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 2,705 |
| Noncurrent loans to loans | 0.1491% | 2,759 |
| Net loans and leases to total assets | 77.6900% | 830 |
| Net loans and leases to deposits | 83.3484% | 1,514 |
| Net loans and leases to core deposits | 84.2288% | 1,869 |
| Total domestic deposits to total assets | 93.2100% | 362 |
| Equity capital to assets | 6.0058% | 4,086 |
| Core capital (leverage) ratio | 7.9025% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9664% | 2,389 |
| Memoranda: | ||
| Average total assets | $687,677,400 | 1,325 |
| Average earning assets | $659,661,000 | 1,293 |
| Average equity | $45,721,400 | 1,737 |
| Average total loans | $513,255,000 | 1,155 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 3,313 |
| Cost of funding earning assets | 0.1163% | 4,150 |
| Net interest margin | 3.1322% | 2,824 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.7948% | 1,259 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.4110% | 4,220 |
| Return on assets (ROA) | 0.4110% | 4,163 |
| Pretax return on assets | 0.5133% | 4,127 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.2416% | 3,008 |
| Net charge-offs to loans | -0.0079% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.4083% | 688 |
| Assets per employee ($millions) | 6.9642% | 1,971 |
| Cash dividends to net income (ytd only)* | 13.0930% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 3,769 |
| Loan loss allowance to noncurrent loans | 478.2814% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,562 |
| Noncurrent loans to loans | 0.1945% | 2,625 |
| Net loans and leases to total assets | 76.7100% | 840 |
| Net loans and leases to deposits | 81.8165% | 1,456 |
| Net loans and leases to core deposits | 82.7852% | 1,721 |
| Total domestic deposits to total assets | 93.7500% | 408 |
| Equity capital to assets | 5.8197% | 4,025 |
| Core capital (leverage) ratio | 7.9278% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0208% | 2,466 |
| Memoranda: | ||
| Average total assets | $683,917,750 | 1,337 |
| Average earning assets | $656,739,250 | 1,302 |
| Average equity | $46,600,750 | 1,733 |
| Average total loans | $503,708,500 | 1,171 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 3,222 |
| Cost of funding earning assets | 0.1162% | 4,012 |
| Net interest margin | 3.0189% | 2,827 |
| Noninterest income to average assets | 0.4163% | 2,655 |
| Noninterest expense to average assets | 2.7631% | 1,242 |
| Loan and lease loss provision to assets | 0.0962% | 1,031 |
| Net operating income to assets | 0.3788% | 4,149 |
| Return on assets (ROA) | 0.3788% | 4,102 |
| Pretax return on assets | 0.4570% | 4,069 |
| Return on Equity (ROE) | 5.2919% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.7268% | 2,806 |
| Net charge-offs to loans | -0.0122% | 3,659 |
| Credit loss provision to net charge-offs | -1,086.6667% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3170% | 721 |
| Assets per employee ($millions) | 6.3683% | 2,419 |
| Cash dividends to net income (ytd only)* | 10.6781% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,872 |
| Loan loss allowance to noncurrent loans | 842.1986% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 3,159 |
| Noncurrent loans to loans | 0.1102% | 3,197 |
| Net loans and leases to total assets | 73.7491% | 941 |
| Net loans and leases to deposits | 79.1713% | 1,451 |
| Net loans and leases to core deposits | 80.0886% | 1,709 |
| Total domestic deposits to total assets | 93.1514% | 478 |
| Equity capital to assets | 6.5035% | 4,020 |
| Core capital (leverage) ratio | 8.0216% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6628% | 2,225 |
| Memoranda: | ||
| Average total assets | $677,429,333 | 1,351 |
| Average earning assets | $650,760,000 | 1,326 |
| Average equity | $48,489,333 | 1,719 |
| Average total loans | $490,076,667 | 1,188 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0643% | 3,069 |
| Cost of funding earning assets | 0.1168% | 3,930 |
| Net interest margin | 2.9476% | 2,679 |
| Noninterest income to average assets | 0.4040% | 2,661 |
| Noninterest expense to average assets | 2.7519% | 1,254 |
| Loan and lease loss provision to assets | 0.1047% | 801 |
| Net operating income to assets | 0.3546% | 4,047 |
| Return on assets (ROA) | 0.3546% | 4,012 |
| Pretax return on assets | 0.3862% | 4,056 |
| Return on Equity (ROE) | 4.7330% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.7330% | 2,689 |
| Net charge-offs to loans | -0.0008% | 3,004 |
| Credit loss provision to net charge-offs | -17,600.0000% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8624% | 792 |
| Assets per employee ($millions) | 6.8927% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 3,921 |
| Loan loss allowance to noncurrent loans | 633.1025% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 3,062 |
| Noncurrent loans to loans | 0.1487% | 3,062 |
| Net loans and leases to total assets | 71.1937% | 906 |
| Net loans and leases to deposits | 76.8686% | 1,376 |
| Net loans and leases to core deposits | 77.7774% | 1,630 |
| Total domestic deposits to total assets | 92.6174% | 376 |
| Equity capital to assets | 7.0981% | 4,162 |
| Core capital (leverage) ratio | 8.1440% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5081% | 1,986 |
| Memoranda: | ||
| Average total assets | $672,258,000 | 1,361 |
| Average earning assets | $647,448,000 | 1,330 |
| Average equity | $50,369,500 | 1,732 |
| Average total loans | $479,127,000 | 1,199 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 3,387 |
| Cost of funding earning assets | 0.1546% | 3,918 |
| Net interest margin | 3.0812% | 2,965 |
| Noninterest income to average assets | 0.4307% | 2,901 |
| Noninterest expense to average assets | 2.7011% | 1,632 |
| Loan and lease loss provision to assets | 0.3840% | 181 |
| Net operating income to assets | 0.2592% | 4,467 |
| Return on assets (ROA) | 0.3243% | 4,413 |
| Pretax return on assets | 0.3915% | 4,399 |
| Return on Equity (ROE) | 4.4147% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.6141% | 3,376 |
| Net charge-offs to loans | 0.3618% | 233 |
| Credit loss provision to net charge-offs | 149.4911% | 1,494 |
| Earnings coverage of net charge-offs (x) | 2.7137% | 2,573 |
| Efficiency ratio | 79.4874% | 839 |
| Assets per employee ($millions) | 7.1174% | 1,849 |
| Cash dividends to net income (ytd only)* | 18.1360% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,990 |
| Loan loss allowance to noncurrent loans | 691.9685% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,272 |
| Noncurrent loans to loans | 0.1343% | 3,255 |
| Net loans and leases to total assets | 70.0097% | 1,045 |
| Net loans and leases to deposits | 76.3247% | 1,540 |
| Net loans and leases to core deposits | 77.2122% | 1,826 |
| Total domestic deposits to total assets | 91.7262% | 261 |
| Equity capital to assets | 7.8909% | 4,423 |
| Core capital (leverage) ratio | 8.3817% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3111% | 1,735 |
| Memoranda: | ||
| Average total assets | $612,018,600 | 1,427 |
| Average earning assets | $589,410,400 | 1,395 |
| Average equity | $44,963,000 | 1,922 |
| Average total loans | $434,466,600 | 1,298 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2890% | 3,417 |
| Cost of funding earning assets | 0.1657% | 3,965 |
| Net interest margin | 3.1233% | 2,989 |
| Noninterest income to average assets | 0.4204% | 2,977 |
| Noninterest expense to average assets | 2.6989% | 1,589 |
| Loan and lease loss provision to assets | 0.2551% | 359 |
| Net operating income to assets | 0.3778% | 4,408 |
| Return on assets (ROA) | 0.4635% | 4,306 |
| Pretax return on assets | 0.5797% | 4,262 |
| Return on Equity (ROE) | 6.4424% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.1448% | 2,763 |
| Net charge-offs to loans | 0.1789% | 481 |
| Credit loss provision to net charge-offs | 200.7018% | 1,204 |
| Earnings coverage of net charge-offs (x) | 5.7246% | 2,213 |
| Efficiency ratio | 78.7607% | 823 |
| Assets per employee ($millions) | 6.7296% | 2,067 |
| Cash dividends to net income (ytd only)* | 4.6198% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,103 |
| Loan loss allowance to noncurrent loans | 222.0456% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 2,280 |
| Noncurrent loans to loans | 0.4144% | 2,317 |
| Net loans and leases to total assets | 71.3297% | 945 |
| Net loans and leases to deposits | 78.2861% | 1,458 |
| Net loans and leases to core deposits | 79.3205% | 1,795 |
| Total domestic deposits to total assets | 91.1141% | 333 |
| Equity capital to assets | 8.4854% | 4,224 |
| Core capital (leverage) ratio | 8.7700% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5791% | 1,773 |
| Memoranda: | ||
| Average total assets | $597,764,250 | 1,470 |
| Average earning assets | $575,364,000 | 1,435 |
| Average equity | $43,005,500 | 2,005 |
| Average total loans | $424,887,250 | 1,337 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 3,627 |
| Cost of funding earning assets | 0.1749% | 3,994 |
| Net interest margin | 3.0488% | 3,181 |
| Noninterest income to average assets | 0.4183% | 3,016 |
| Noninterest expense to average assets | 2.6263% | 1,788 |
| Loan and lease loss provision to assets | 0.2839% | 315 |
| Net operating income to assets | 0.3545% | 4,458 |
| Return on assets (ROA) | 0.4869% | 4,286 |
| Pretax return on assets | 0.6056% | 4,227 |
| Return on Equity (ROE) | 7.2348% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.7481% | 2,522 |
| Net charge-offs to loans | 0.2585% | 344 |
| Credit loss provision to net charge-offs | 155.2239% | 1,152 |
| Earnings coverage of net charge-offs (x) | 3.9590% | 2,049 |
| Efficiency ratio | 78.3888% | 891 |
| Assets per employee ($millions) | 6.2512% | 2,389 |
| Cash dividends to net income (ytd only)* | 6.7274% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,204 |
| Loan loss allowance to noncurrent loans | 160.5911% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,001 |
| Noncurrent loans to loans | 0.5501% | 2,025 |
| Net loans and leases to total assets | 72.3865% | 918 |
| Net loans and leases to deposits | 77.7063% | 1,661 |
| Net loans and leases to core deposits | 78.7523% | 1,984 |
| Total domestic deposits to total assets | 93.1539% | 29 |
| Equity capital to assets | 6.5396% | 4,892 |
| Core capital (leverage) ratio | 6.6507% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1943% | 2,920 |
| Memoranda: | ||
| Average total assets | $586,157,667 | 1,485 |
| Average earning assets | $563,695,000 | 1,454 |
| Average equity | $39,448,333 | 2,119 |
| Average total loans | $414,713,000 | 1,367 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 3,512 |
| Cost of funding earning assets | 0.1800% | 4,084 |
| Net interest margin | 3.0969% | 2,995 |
| Noninterest income to average assets | 0.4041% | 3,061 |
| Noninterest expense to average assets | 2.5414% | 2,048 |
| Loan and lease loss provision to assets | 0.0986% | 1,367 |
| Net operating income to assets | 0.5472% | 4,083 |
| Return on assets (ROA) | 0.7770% | 3,563 |
| Pretax return on assets | 1.0305% | 3,289 |
| Return on Equity (ROE) | 11.3761% | 2,236 |
| Retained earnings to average equity (ytd only) | 11.2236% | 1,341 |
| Net charge-offs to loans | 0.0010% | 1,903 |
| Credit loss provision to net charge-offs | 14,200.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,207.0000% | 71 |
| Efficiency ratio | 75.2003% | 1,203 |
| Assets per employee ($millions) | 6.8636% | 1,883 |
| Cash dividends to net income (ytd only)* | 1.3405% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,111 |
| Loan loss allowance to noncurrent loans | 345.6302% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,262 |
| Noncurrent loans to loans | 0.2650% | 3,158 |
| Net loans and leases to total assets | 68.0737% | 1,522 |
| Net loans and leases to deposits | 73.1441% | 2,200 |
| Net loans and leases to core deposits | 74.4704% | 2,471 |
| Total domestic deposits to total assets | 93.0679% | 28 |
| Equity capital to assets | 6.5043% | 4,904 |
| Core capital (leverage) ratio | 6.9676% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8664% | 2,338 |
| Memoranda: | ||
| Average total assets | $576,055,000 | 1,497 |
| Average earning assets | $553,452,000 | 1,463 |
| Average equity | $39,345,500 | 2,111 |
| Average total loans | $400,651,000 | 1,411 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 4,158 |
| Cost of funding earning assets | 0.2934% | 4,183 |
| Net interest margin | 3.1351% | 3,535 |
| Noninterest income to average assets | 0.4358% | 2,931 |
| Noninterest expense to average assets | 2.6650% | 2,344 |
| Loan and lease loss provision to assets | 0.1700% | 2,258 |
| Net operating income to assets | 0.4660% | 4,105 |
| Return on assets (ROA) | 0.5440% | 4,019 |
| Pretax return on assets | 0.7012% | 3,878 |
| Return on Equity (ROE) | 7.1226% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.6222% | 1,536 |
| Net charge-offs to loans | 0.0472% | 2,121 |
| Credit loss provision to net charge-offs | 523.0303% | 1,216 |
| Earnings coverage of net charge-offs (x) | 23.7636% | 1,795 |
| Efficiency ratio | 77.5262% | 1,078 |
| Assets per employee ($millions) | 6.6865% | 1,790 |
| Cash dividends to net income (ytd only)* | 7.0264% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,111 |
| Loan loss allowance to noncurrent loans | 377.8474% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 3,414 |
| Noncurrent loans to loans | 0.2447% | 3,319 |
| Net loans and leases to total assets | 69.8117% | 1,588 |
| Net loans and leases to deposits | 75.4886% | 2,333 |
| Net loans and leases to core deposits | 76.8829% | 2,646 |
| Total domestic deposits to total assets | 92.4797% | 36 |
| Equity capital to assets | 7.1808% | 4,892 |
| Core capital (leverage) ratio | 7.0307% | 4,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0204% | 2,227 |
| Memoranda: | ||
| Average total assets | $507,550,600 | 1,530 |
| Average earning assets | $485,947,000 | 1,487 |
| Average equity | $38,763,800 | 2,067 |
| Average total loans | $349,694,400 | 1,510 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 4,338 |
| Cost of funding earning assets | 0.3174% | 4,230 |
| Net interest margin | 3.0885% | 3,763 |
| Noninterest income to average assets | 0.4390% | 2,892 |
| Noninterest expense to average assets | 2.5367% | 2,730 |
| Loan and lease loss provision to assets | 0.1636% | 2,366 |
| Net operating income to assets | 0.5308% | 3,955 |
| Return on assets (ROA) | 0.6273% | 3,795 |
| Pretax return on assets | 0.8158% | 3,602 |
| Return on Equity (ROE) | 8.0777% | 2,784 |
| Retained earnings to average equity (ytd only) | 7.9773% | 1,310 |
| Net charge-offs to loans | 0.0680% | 1,642 |
| Credit loss provision to net charge-offs | 351.4451% | 1,603 |
| Earnings coverage of net charge-offs (x) | 18.4220% | 1,961 |
| Efficiency ratio | 74.7424% | 1,336 |
| Assets per employee ($millions) | 6.4891% | 1,845 |
| Cash dividends to net income (ytd only)* | 1.2436% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,061 |
| Loan loss allowance to noncurrent loans | 347.4611% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 3,549 |
| Noncurrent loans to loans | 0.2600% | 3,370 |
| Net loans and leases to total assets | 67.4805% | 2,321 |
| Net loans and leases to deposits | 73.1333% | 3,024 |
| Net loans and leases to core deposits | 74.4384% | 3,289 |
| Total domestic deposits to total assets | 92.2706% | 39 |
| Equity capital to assets | 7.2943% | 4,908 |
| Core capital (leverage) ratio | 7.3343% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0954% | 1,798 |
| Memoranda: | ||
| Average total assets | $495,693,500 | 1,542 |
| Average earning assets | $474,269,000 | 1,504 |
| Average equity | $38,491,750 | 2,069 |
| Average total loans | $339,354,000 | 1,533 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 4,403 |
| Cost of funding earning assets | 0.3365% | 4,328 |
| Net interest margin | 3.1662% | 3,752 |
| Noninterest income to average assets | 0.4307% | 2,906 |
| Noninterest expense to average assets | 2.3559% | 3,382 |
| Loan and lease loss provision to assets | 0.2099% | 1,965 |
| Net operating income to assets | 0.6654% | 3,525 |
| Return on assets (ROA) | 0.8151% | 3,105 |
| Pretax return on assets | 1.0776% | 2,784 |
| Return on Equity (ROE) | 10.2603% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.1815% | 759 |
| Net charge-offs to loans | 0.0973% | 1,297 |
| Credit loss provision to net charge-offs | 314.3750% | 1,577 |
| Earnings coverage of net charge-offs (x) | 16.4438% | 1,860 |
| Efficiency ratio | 68.2093% | 2,208 |
| Assets per employee ($millions) | 9.5915% | 569 |
| Cash dividends to net income (ytd only)* | 0.7680% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,937 |
| Loan loss allowance to noncurrent loans | 204.0676% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 2,943 |
| Noncurrent loans to loans | 0.4486% | 2,808 |
| Net loans and leases to total assets | 66.9152% | 2,507 |
| Net loans and leases to deposits | 72.7012% | 3,192 |
| Net loans and leases to core deposits | 74.0157% | 3,461 |
| Total domestic deposits to total assets | 92.0414% | 52 |
| Equity capital to assets | 7.4805% | 4,881 |
| Core capital (leverage) ratio | 7.4745% | 4,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9786% | 1,830 |
| Memoranda: | ||
| Average total assets | $479,229,667 | 1,560 |
| Average earning assets | $457,590,000 | 1,517 |
| Average equity | $38,069,000 | 2,077 |
| Average total loans | $328,745,667 | 1,560 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 4,510 |
| Cost of funding earning assets | 0.3533% | 4,508 |
| Net interest margin | 3.2546% | 3,706 |
| Noninterest income to average assets | 0.4773% | 2,667 |
| Noninterest expense to average assets | 2.4594% | 3,392 |
| Loan and lease loss provision to assets | 0.1740% | 1,697 |
| Net operating income to assets | 0.6928% | 3,300 |
| Return on assets (ROA) | 0.9414% | 2,478 |
| Pretax return on assets | 1.2516% | 2,030 |
| Return on Equity (ROE) | 11.4630% | 1,272 |
| Retained earnings to average equity (ytd only) | 11.4630% | 488 |
| Net charge-offs to loans | -0.0013% | 3,617 |
| Credit loss provision to net charge-offs | -19,800.0000% | 4,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8823% | 2,525 |
| Assets per employee ($millions) | 6.4308% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 3,778 |
| Loan loss allowance to noncurrent loans | 165.7097% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 2,832 |
| Noncurrent loans to loans | 0.5954% | 2,513 |
| Net loans and leases to total assets | 67.5592% | 2,606 |
| Net loans and leases to deposits | 74.3053% | 3,239 |
| Net loans and leases to core deposits | 75.2033% | 3,552 |
| Total domestic deposits to total assets | 90.9210% | 116 |
| Equity capital to assets | 8.3062% | 4,896 |
| Core capital (leverage) ratio | 8.2429% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6725% | 2,014 |
| Memoranda: | ||
| Average total assets | $455,079,500 | 1,591 |
| Average earning assets | $432,490,000 | 1,542 |
| Average equity | $37,372,500 | 2,098 |
| Average total loans | $314,989,000 | 1,576 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,650 |
| Cost of funding earning assets | 0.3372% | 4,633 |
| Net interest margin | 3.3911% | 3,778 |
| Noninterest income to average assets | 0.7351% | 1,684 |
| Noninterest expense to average assets | 3.0204% | 1,965 |
| Loan and lease loss provision to assets | 0.0659% | 2,697 |
| Net operating income to assets | 0.6897% | 3,901 |
| Return on assets (ROA) | 0.6923% | 3,954 |
| Pretax return on assets | 0.8698% | 3,826 |
| Return on Equity (ROE) | 8.5929% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.3813% | 865 |
| Net charge-offs to loans | 0.0255% | 2,884 |
| Credit loss provision to net charge-offs | 376.0000% | 740 |
| Earnings coverage of net charge-offs (x) | 53.2267% | 1,072 |
| Efficiency ratio | 76.4108% | 1,315 |
| Assets per employee ($millions) | 5.5203% | 2,042 |
| Cash dividends to net income (ytd only)* | 2.4629% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 3,849 |
| Loan loss allowance to noncurrent loans | 155.2954% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 2,715 |
| Noncurrent loans to loans | 0.5983% | 2,391 |
| Net loans and leases to total assets | 69.5825% | 2,466 |
| Net loans and leases to deposits | 76.3309% | 3,146 |
| Net loans and leases to core deposits | 77.2267% | 3,500 |
| Total domestic deposits to total assets | 91.1590% | 99 |
| Equity capital to assets | 8.1151% | 5,033 |
| Core capital (leverage) ratio | 8.0052% | 5,034 |
| Tier 1 risk-based capital ratio | 13.3915% | 3,583 |
| Total risk-based capital ratio | 14.4738% | 3,559 |
| Memoranda: | ||
| Average total assets | $428,129,000 | 1,634 |
| Average earning assets | $406,238,800 | 1,595 |
| Average equity | $34,493,400 | 2,167 |
| Average total loans | $294,134,800 | 1,633 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 4,766 |
| Cost of funding earning assets | 0.3286% | 4,724 |
| Net interest margin | 3.3885% | 3,891 |
| Noninterest income to average assets | 0.7750% | 1,503 |
| Noninterest expense to average assets | 2.9165% | 2,207 |
| Loan and lease loss provision to assets | 0.0265% | 3,370 |
| Net operating income to assets | 0.8257% | 3,592 |
| Return on assets (ROA) | 0.8292% | 3,662 |
| Pretax return on assets | 1.0481% | 3,450 |
| Return on Equity (ROE) | 10.3115% | 2,296 |
| Retained earnings to average equity (ytd only) | 10.0922% | 728 |
| Net charge-offs to loans | 0.0088% | 3,053 |
| Credit loss provision to net charge-offs | 442.1053% | 702 |
| Earnings coverage of net charge-offs (x) | 178.8610% | 475 |
| Efficiency ratio | 73.1574% | 1,679 |
| Assets per employee ($millions) | 5.4544% | 2,073 |
| Cash dividends to net income (ytd only)* | 2.1267% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 3,954 |
| Loan loss allowance to noncurrent loans | 177.2031% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 3,088 |
| Noncurrent loans to loans | 0.5208% | 2,730 |
| Net loans and leases to total assets | 67.4374% | 2,873 |
| Net loans and leases to deposits | 74.0333% | 3,470 |
| Net loans and leases to core deposits | 74.8729% | 3,773 |
| Total domestic deposits to total assets | 91.0907% | 91 |
| Equity capital to assets | 8.1685% | 5,098 |
| Core capital (leverage) ratio | 8.3513% | 5,008 |
| Tier 1 risk-based capital ratio | 13.6946% | 3,479 |
| Total risk-based capital ratio | 14.7564% | 3,474 |
| Memoranda: | ||
| Average total assets | $423,375,250 | 1,665 |
| Average earning assets | $401,269,250 | 1,621 |
| Average equity | $34,045,250 | 2,203 |
| Average total loans | $289,155,500 | 1,657 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,828 |
| Cost of funding earning assets | 0.3168% | 4,781 |
| Net interest margin | 3.3840% | 3,941 |
| Noninterest income to average assets | 0.8595% | 1,181 |
| Noninterest expense to average assets | 2.9418% | 2,162 |
| Loan and lease loss provision to assets | 0.0235% | 3,337 |
| Net operating income to assets | 0.8857% | 3,338 |
| Return on assets (ROA) | 0.8911% | 3,385 |
| Pretax return on assets | 1.1111% | 3,201 |
| Return on Equity (ROE) | 11.1437% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.9100% | 557 |
| Net charge-offs to loans | 0.0168% | 2,551 |
| Credit loss provision to net charge-offs | 204.1667% | 1,187 |
| Earnings coverage of net charge-offs (x) | 98.0417% | 708 |
| Efficiency ratio | 72.2850% | 1,877 |
| Assets per employee ($millions) | 5.2491% | 2,203 |
| Cash dividends to net income (ytd only)* | 2.0979% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,905 |
| Loan loss allowance to noncurrent loans | 174.8721% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,048 |
| Noncurrent loans to loans | 0.5391% | 2,655 |
| Net loans and leases to total assets | 67.5928% | 2,876 |
| Net loans and leases to deposits | 74.1653% | 3,506 |
| Net loans and leases to core deposits | 75.0364% | 3,815 |
| Total domestic deposits to total assets | 91.1380% | 89 |
| Equity capital to assets | 8.2460% | 5,128 |
| Core capital (leverage) ratio | 8.4155% | 5,000 |
| Tier 1 risk-based capital ratio | 14.2701% | 3,177 |
| Total risk-based capital ratio | 15.3841% | 3,168 |
| Memoranda: | ||
| Average total assets | $417,231,000 | 1,695 |
| Average earning assets | $395,798,000 | 1,650 |
| Average equity | $33,364,000 | 2,231 |
| Average total loans | $285,301,000 | 1,689 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 4,883 |
| Cost of funding earning assets | 0.3072% | 4,826 |
| Net interest margin | 3.3664% | 3,988 |
| Noninterest income to average assets | 0.9553% | 909 |
| Noninterest expense to average assets | 2.8825% | 2,324 |
| Loan and lease loss provision to assets | 0.0474% | 2,698 |
| Net operating income to assets | 1.0134% | 2,795 |
| Return on assets (ROA) | 1.0134% | 2,840 |
| Pretax return on assets | 1.2176% | 2,740 |
| Return on Equity (ROE) | 12.8798% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.6584% | 518 |
| Net charge-offs to loans | 0.0410% | 1,682 |
| Credit loss provision to net charge-offs | 168.9655% | 1,157 |
| Earnings coverage of net charge-offs (x) | 45.0690% | 1,083 |
| Efficiency ratio | 69.4982% | 2,422 |
| Assets per employee ($millions) | 5.4707% | 2,009 |
| Cash dividends to net income (ytd only)* | 1.7192% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 3,942 |
| Loan loss allowance to noncurrent loans | 171.2226% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 3,053 |
| Noncurrent loans to loans | 0.5591% | 2,646 |
| Net loans and leases to total assets | 67.9616% | 2,758 |
| Net loans and leases to deposits | 74.4274% | 3,418 |
| Net loans and leases to core deposits | 75.0673% | 3,732 |
| Total domestic deposits to total assets | 91.3126% | 116 |
| Equity capital to assets | 8.0356% | 5,172 |
| Core capital (leverage) ratio | 8.2838% | 5,109 |
| Tier 1 risk-based capital ratio | 13.7109% | 3,490 |
| Total risk-based capital ratio | 14.8043% | 3,489 |
| Memoranda: | ||
| Average total assets | $413,259,500 | 1,721 |
| Average earning assets | $391,872,000 | 1,667 |
| Average equity | $32,516,000 | 2,273 |
| Average total loans | $282,890,500 | 1,709 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 4,984 |
| Cost of funding earning assets | 0.2352% | 4,871 |
| Net interest margin | 3.1952% | 4,496 |
| Noninterest income to average assets | 0.7429% | 1,679 |
| Noninterest expense to average assets | 2.9615% | 2,162 |
| Loan and lease loss provision to assets | 0.0196% | 3,773 |
| Net operating income to assets | 0.6306% | 4,336 |
| Return on assets (ROA) | 0.6296% | 4,345 |
| Pretax return on assets | 0.7823% | 4,218 |
| Return on Equity (ROE) | 8.5224% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.5224% | 1,038 |
| Net charge-offs to loans | -0.0004% | 4,156 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6675% | 1,068 |
| Assets per employee ($millions) | 5.1993% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,878 |
| Loan loss allowance to noncurrent loans | 117.1058% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,353 |
| Noncurrent loans to loans | 0.8254% | 1,948 |
| Net loans and leases to total assets | 67.6265% | 2,930 |
| Net loans and leases to deposits | 73.6990% | 3,526 |
| Net loans and leases to core deposits | 74.3910% | 3,824 |
| Total domestic deposits to total assets | 91.7604% | 90 |
| Equity capital to assets | 7.6987% | 5,243 |
| Core capital (leverage) ratio | 8.0996% | 5,207 |
| Tier 1 risk-based capital ratio | 13.4136% | 3,598 |
| Total risk-based capital ratio | 14.5084% | 3,573 |
| Memoranda: | ||
| Average total assets | $408,683,000 | 1,680 |
| Average earning assets | $386,489,800 | 1,638 |
| Average equity | $30,191,000 | 2,324 |
| Average total loans | $268,566,800 | 1,736 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 5,059 |
| Cost of funding earning assets | 0.2273% | 4,906 |
| Net interest margin | 3.1489% | 4,617 |
| Noninterest income to average assets | 0.7327% | 1,739 |
| Noninterest expense to average assets | 2.9709% | 2,105 |
| Loan and lease loss provision to assets | 0.0131% | 3,735 |
| Net operating income to assets | 0.5759% | 4,570 |
| Return on assets (ROA) | 0.5759% | 4,576 |
| Pretax return on assets | 0.7258% | 4,478 |
| Return on Equity (ROE) | 7.8792% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.8792% | 1,711 |
| Net charge-offs to loans | -0.0020% | 4,087 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0828% | 933 |
| Assets per employee ($millions) | 5.0221% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,922 |
| Loan loss allowance to noncurrent loans | 105.3586% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 2,309 |
| Noncurrent loans to loans | 0.9247% | 1,845 |
| Net loans and leases to total assets | 66.8169% | 3,089 |
| Net loans and leases to deposits | 72.5908% | 3,721 |
| Net loans and leases to core deposits | 73.2266% | 3,996 |
| Total domestic deposits to total assets | 92.0461% | 79 |
| Equity capital to assets | 7.3932% | 5,326 |
| Core capital (leverage) ratio | 7.9534% | 5,328 |
| Tier 1 risk-based capital ratio | 13.6082% | 3,570 |
| Total risk-based capital ratio | 14.7312% | 3,554 |
| Memoranda: | ||
| Average total assets | $408,167,250 | 1,685 |
| Average earning assets | $385,898,750 | 1,648 |
| Average equity | $29,833,250 | 2,349 |
| Average total loans | $265,587,500 | 1,759 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 5,129 |
| Cost of funding earning assets | 0.2191% | 4,926 |
| Net interest margin | 3.0942% | 4,740 |
| Noninterest income to average assets | 0.7258% | 1,761 |
| Noninterest expense to average assets | 2.9372% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5682% | 4,594 |
| Return on assets (ROA) | 0.5682% | 4,590 |
| Pretax return on assets | 0.7121% | 4,480 |
| Return on Equity (ROE) | 7.8043% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.8043% | 1,706 |
| Net charge-offs to loans | 0.0030% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 363.7500% | 254 |
| Efficiency ratio | 80.4855% | 963 |
| Assets per employee ($millions) | 5.1871% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,964 |
| Loan loss allowance to noncurrent loans | 121.7432% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,658 |
| Noncurrent loans to loans | 0.8039% | 2,121 |
| Net loans and leases to total assets | 64.8337% | 3,302 |
| Net loans and leases to deposits | 70.3920% | 3,826 |
| Net loans and leases to core deposits | 71.1256% | 4,075 |
| Total domestic deposits to total assets | 92.1039% | 80 |
| Equity capital to assets | 7.2949% | 5,423 |
| Core capital (leverage) ratio | 7.8242% | 5,390 |
| Tier 1 risk-based capital ratio | 13.6406% | 3,538 |
| Total risk-based capital ratio | 14.7618% | 3,519 |
| Memoranda: | ||
| Average total assets | $408,625,670 | 1,686 |
| Average earning assets | $386,081,000 | 1,653 |
| Average equity | $29,752,670 | 2,367 |
| Average total loans | $262,623,330 | 1,777 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 5,191 |
| Cost of funding earning assets | 0.2118% | 4,943 |
| Net interest margin | 3.0419% | 4,814 |
| Noninterest income to average assets | 0.6999% | 1,832 |
| Noninterest expense to average assets | 2.9673% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4970% | 4,702 |
| Return on assets (ROA) | 0.4970% | 4,709 |
| Pretax return on assets | 0.6048% | 4,673 |
| Return on Equity (ROE) | 6.8323% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.8323% | 2,353 |
| Net charge-offs to loans | 0.0046% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 205.6667% | 331 |
| Efficiency ratio | 83.0681% | 858 |
| Assets per employee ($millions) | 5.1929% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,904 |
| Loan loss allowance to noncurrent loans | 126.9082% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 2,861 |
| Noncurrent loans to loans | 0.7946% | 2,219 |
| Net loans and leases to total assets | 62.0729% | 3,538 |
| Net loans and leases to deposits | 67.1020% | 4,014 |
| Net loans and leases to core deposits | 67.8280% | 4,226 |
| Total domestic deposits to total assets | 92.5053% | 61 |
| Equity capital to assets | 7.0924% | 5,501 |
| Core capital (leverage) ratio | 7.7845% | 5,452 |
| Tier 1 risk-based capital ratio | 13.7752% | 3,508 |
| Total risk-based capital ratio | 14.9315% | 3,464 |
| Memoranda: | ||
| Average total assets | $408,047,500 | 1,700 |
| Average earning assets | $385,291,000 | 1,674 |
| Average equity | $29,682,500 | 2,393 |
| Average total loans | $259,783,500 | 1,794 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1355% | 5,253 |
| Cost of funding earning assets | 0.2065% | 4,892 |
| Net interest margin | 2.9290% | 5,005 |
| Noninterest income to average assets | 0.7043% | 1,945 |
| Noninterest expense to average assets | 2.9172% | 2,397 |
| Loan and lease loss provision to assets | 0.0926% | 2,349 |
| Net operating income to assets | 0.2745% | 4,974 |
| Return on assets (ROA) | 0.2757% | 4,991 |
| Pretax return on assets | 0.4655% | 4,982 |
| Return on Equity (ROE) | 3.6531% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.6531% | 3,062 |
| Net charge-offs to loans | 0.0753% | 2,374 |
| Credit loss provision to net charge-offs | 193.6170% | 1,405 |
| Earnings coverage of net charge-offs (x) | 11.6277% | 2,549 |
| Efficiency ratio | 83.9818% | 766 |
| Assets per employee ($millions) | 5.0083% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,846 |
| Loan loss allowance to noncurrent loans | 135.0103% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,935 |
| Noncurrent loans to loans | 0.7519% | 2,323 |
| Net loans and leases to total assets | 64.0037% | 3,368 |
| Net loans and leases to deposits | 69.4616% | 3,919 |
| Net loans and leases to core deposits | 70.1341% | 4,167 |
| Total domestic deposits to total assets | 92.1426% | 71 |
| Equity capital to assets | 7.4628% | 5,544 |
| Core capital (leverage) ratio | 7.6541% | 5,529 |
| Tier 1 risk-based capital ratio | 13.6234% | 3,561 |
| Total risk-based capital ratio | 14.7872% | 3,517 |
| Memoranda: | ||
| Average total assets | $392,883,400 | 1,736 |
| Average earning assets | $371,455,000 | 1,697 |
| Average equity | $29,646,000 | 2,386 |
| Average total loans | $249,816,200 | 1,816 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0884% | 5,349 |
| Cost of funding earning assets | 0.2070% | 4,918 |
| Net interest margin | 2.8814% | 5,112 |
| Noninterest income to average assets | 0.6927% | 2,033 |
| Noninterest expense to average assets | 2.8887% | 2,452 |
| Loan and lease loss provision to assets | 0.1071% | 1,982 |
| Net operating income to assets | 0.3079% | 5,204 |
| Return on assets (ROA) | 0.3097% | 5,222 |
| Pretax return on assets | 0.4243% | 5,147 |
| Return on Equity (ROE) | 4.0925% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.0925% | 3,487 |
| Net charge-offs to loans | 0.0135% | 3,258 |
| Credit loss provision to net charge-offs | 1,256.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 62.0447% | 970 |
| Efficiency ratio | 84.5225% | 718 |
| Assets per employee ($millions) | 4.9398% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,653 |
| Loan loss allowance to noncurrent loans | 109.4573% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,631 |
| Noncurrent loans to loans | 0.9798% | 1,965 |
| Net loans and leases to total assets | 63.2365% | 3,523 |
| Net loans and leases to deposits | 68.7437% | 4,059 |
| Net loans and leases to core deposits | 69.4184% | 4,275 |
| Total domestic deposits to total assets | 91.9887% | 59 |
| Equity capital to assets | 7.5507% | 5,609 |
| Core capital (leverage) ratio | 7.7444% | 5,584 |
| Tier 1 risk-based capital ratio | 13.6100% | 3,630 |
| Total risk-based capital ratio | 14.8354% | 3,571 |
| Memoranda: | ||
| Average total assets | $390,937,750 | 1,757 |
| Average earning assets | $369,717,750 | 1,722 |
| Average equity | $29,582,250 | 2,403 |
| Average total loans | $247,502,500 | 1,836 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0479% | 5,400 |
| Cost of funding earning assets | 0.2084% | 4,902 |
| Net interest margin | 2.8395% | 5,187 |
| Noninterest income to average assets | 0.6791% | 2,086 |
| Noninterest expense to average assets | 2.8870% | 2,467 |
| Loan and lease loss provision to assets | 0.0975% | 2,056 |
| Net operating income to assets | 0.2826% | 5,260 |
| Return on assets (ROA) | 0.2826% | 5,278 |
| Pretax return on assets | 0.3785% | 5,213 |
| Return on Equity (ROE) | 3.7314% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.7314% | 3,482 |
| Net charge-offs to loans | 0.0025% | 3,418 |
| Credit loss provision to net charge-offs | 6,300.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 307.6667% | 274 |
| Efficiency ratio | 85.8479% | 702 |
| Assets per employee ($millions) | 5.1425% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,848 |
| Loan loss allowance to noncurrent loans | 101.7341% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 2,584 |
| Noncurrent loans to loans | 1.0327% | 1,901 |
| Net loans and leases to total assets | 62.7947% | 3,536 |
| Net loans and leases to deposits | 68.2295% | 4,046 |
| Net loans and leases to core deposits | 69.1311% | 4,288 |
| Total domestic deposits to total assets | 92.0346% | 65 |
| Equity capital to assets | 7.5297% | 5,654 |
| Core capital (leverage) ratio | 7.6408% | 5,624 |
| Tier 1 risk-based capital ratio | 13.6699% | 3,609 |
| Total risk-based capital ratio | 14.8687% | 3,550 |
| Memoranda: | ||
| Average total assets | $387,876,330 | 1,767 |
| Average earning assets | $366,613,000 | 1,736 |
| Average equity | $29,372,330 | 2,418 |
| Average total loans | $244,748,000 | 1,855 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0002% | 5,457 |
| Cost of funding earning assets | 0.2084% | 4,900 |
| Net interest margin | 2.7918% | 5,257 |
| Noninterest income to average assets | 0.6305% | 2,264 |
| Noninterest expense to average assets | 2.9044% | 2,443 |
| Loan and lease loss provision to assets | 0.0782% | 2,253 |
| Net operating income to assets | 0.2220% | 5,362 |
| Return on assets (ROA) | 0.2220% | 5,373 |
| Pretax return on assets | 0.2866% | 5,331 |
| Return on Equity (ROE) | 2.9228% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.9228% | 3,950 |
| Net charge-offs to loans | -0.0017% | 3,993 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8428% | 612 |
| Assets per employee ($millions) | 5.2067% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 4,123 |
| Loan loss allowance to noncurrent loans | 104.6772% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 2,778 |
| Noncurrent loans to loans | 0.9804% | 2,088 |
| Net loans and leases to total assets | 62.4605% | 3,475 |
| Net loans and leases to deposits | 67.8738% | 4,004 |
| Net loans and leases to core deposits | 68.6856% | 4,242 |
| Total domestic deposits to total assets | 92.0244% | 104 |
| Equity capital to assets | 7.5134% | 5,680 |
| Core capital (leverage) ratio | 7.8335% | 5,617 |
| Tier 1 risk-based capital ratio | 14.0071% | 3,473 |
| Total risk-based capital ratio | 15.1971% | 3,423 |
| Memoranda: | ||
| Average total assets | $383,826,500 | 1,799 |
| Average earning assets | $362,777,500 | 1,761 |
| Average equity | $29,150,500 | 2,434 |
| Average total loans | $241,476,000 | 1,885 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9251% | 5,557 |
| Cost of funding earning assets | 0.2357% | 4,693 |
| Net interest margin | 2.6894% | 5,431 |
| Noninterest income to average assets | 0.6959% | 2,195 |
| Noninterest expense to average assets | 2.8283% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3027% | 5,213 |
| Return on assets (ROA) | 0.3598% | 5,141 |
| Pretax return on assets | 0.4998% | 5,023 |
| Return on Equity (ROE) | 4.5813% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.5813% | 2,657 |
| Net charge-offs to loans | 0.0346% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.9487% | 1,885 |
| Efficiency ratio | 87.0603% | 752 |
| Assets per employee ($millions) | 4.9625% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,092 |
| Loan loss allowance to noncurrent loans | 110.9905% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,975 |
| Noncurrent loans to loans | 0.9348% | 2,217 |
| Net loans and leases to total assets | 62.0599% | 3,605 |
| Net loans and leases to deposits | 67.5423% | 4,122 |
| Net loans and leases to core deposits | 68.4329% | 4,363 |
| Total domestic deposits to total assets | 91.8831% | 118 |
| Equity capital to assets | 7.6789% | 5,669 |
| Core capital (leverage) ratio | 7.7962% | 5,688 |
| Tier 1 risk-based capital ratio | 14.3075% | 3,278 |
| Total risk-based capital ratio | 15.4954% | 3,250 |
| Memoranda: | ||
| Average total assets | $370,155,800 | 1,809 |
| Average earning assets | $351,339,200 | 1,767 |
| Average equity | $29,074,800 | 2,443 |
| Average total loans | $225,313,200 | 1,945 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8937% | 5,655 |
| Cost of funding earning assets | 0.2410% | 4,690 |
| Net interest margin | 2.6527% | 5,542 |
| Noninterest income to average assets | 0.7003% | 2,165 |
| Noninterest expense to average assets | 2.8251% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2831% | 5,316 |
| Return on assets (ROA) | 0.3587% | 5,229 |
| Pretax return on assets | 0.5031% | 5,113 |
| Return on Equity (ROE) | 4.5400% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.5400% | 3,108 |
| Net charge-offs to loans | 0.0473% | 2,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.8735% | 2,274 |
| Efficiency ratio | 87.6882% | 695 |
| Assets per employee ($millions) | 4.6835% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 4,062 |
| Loan loss allowance to noncurrent loans | 83.5206% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 2,591 |
| Noncurrent loans to loans | 1.2707% | 1,764 |
| Net loans and leases to total assets | 61.0343% | 3,737 |
| Net loans and leases to deposits | 66.6915% | 4,277 |
| Net loans and leases to core deposits | 67.6569% | 4,495 |
| Total domestic deposits to total assets | 91.5175% | 115 |
| Equity capital to assets | 7.9260% | 5,764 |
| Core capital (leverage) ratio | 7.8426% | 5,746 |
| Tier 1 risk-based capital ratio | 14.4156% | 3,324 |
| Total risk-based capital ratio | 15.6259% | 3,276 |
| Memoranda: | ||
| Average total assets | $368,407,250 | 1,818 |
| Average earning assets | $350,174,250 | 1,776 |
| Average equity | $29,103,250 | 2,449 |
| Average total loans | $222,513,250 | 1,970 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8823% | 5,746 |
| Cost of funding earning assets | 0.2491% | 4,670 |
| Net interest margin | 2.6332% | 5,635 |
| Noninterest income to average assets | 0.6825% | 2,221 |
| Noninterest expense to average assets | 2.8167% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2630% | 5,407 |
| Return on assets (ROA) | 0.3734% | 5,200 |
| Pretax return on assets | 0.5258% | 5,089 |
| Return on Equity (ROE) | 4.7327% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.7327% | 2,907 |
| Net charge-offs to loans | 0.0100% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 61.6364% | 857 |
| Efficiency ratio | 88.3844% | 694 |
| Assets per employee ($millions) | 4.9065% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,815 |
| Loan loss allowance to noncurrent loans | 80.5946% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 2,496 |
| Noncurrent loans to loans | 1.3946% | 1,602 |
| Net loans and leases to total assets | 59.4723% | 3,952 |
| Net loans and leases to deposits | 65.0160% | 4,416 |
| Net loans and leases to core deposits | 66.0249% | 4,611 |
| Total domestic deposits to total assets | 91.4734% | 125 |
| Equity capital to assets | 7.9369% | 5,822 |
| Core capital (leverage) ratio | 7.8066% | 5,816 |
| Tier 1 risk-based capital ratio | 15.0312% | 3,067 |
| Total risk-based capital ratio | 16.2822% | 3,006 |
| Memoranda: | ||
| Average total assets | $366,317,670 | 1,829 |
| Average earning assets | $348,400,670 | 1,783 |
| Average equity | $28,905,330 | 2,461 |
| Average total loans | $219,639,670 | 1,985 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8657% | 5,815 |
| Cost of funding earning assets | 0.2619% | 4,590 |
| Net interest margin | 2.6038% | 5,716 |
| Noninterest income to average assets | 0.6236% | 2,396 |
| Noninterest expense to average assets | 2.8328% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2000% | 5,524 |
| Return on assets (ROA) | 0.2942% | 5,402 |
| Pretax return on assets | 0.3923% | 5,327 |
| Return on Equity (ROE) | 3.7395% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.7395% | 3,623 |
| Net charge-offs to loans | 0.0221% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,476 |
| Efficiency ratio | 91.3971% | 587 |
| Assets per employee ($millions) | 4.9336% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,795 |
| Loan loss allowance to noncurrent loans | 86.0068% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 2,694 |
| Noncurrent loans to loans | 1.3323% | 1,790 |
| Net loans and leases to total assets | 59.5484% | 3,842 |
| Net loans and leases to deposits | 65.1757% | 4,321 |
| Net loans and leases to core deposits | 66.0740% | 4,531 |
| Total domestic deposits to total assets | 91.3659% | 184 |
| Equity capital to assets | 7.9540% | 5,837 |
| Core capital (leverage) ratio | 7.9351% | 5,798 |
| Tier 1 risk-based capital ratio | 15.4329% | 2,954 |
| Total risk-based capital ratio | 16.6842% | 2,891 |
| Memoranda: | ||
| Average total assets | $363,031,000 | 1,850 |
| Average earning assets | $345,191,500 | 1,801 |
| Average equity | $28,560,000 | 2,474 |
| Average total loans | $217,315,500 | 2,008 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8774% | 5,832 |
| Cost of funding earning assets | 0.3057% | 4,186 |
| Net interest margin | 2.5717% | 5,776 |
| Noninterest income to average assets | 0.8006% | 1,790 |
| Noninterest expense to average assets | 2.9018% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2563% | 5,470 |
| Return on assets (ROA) | 0.2924% | 5,464 |
| Pretax return on assets | 0.3814% | 5,358 |
| Return on Equity (ROE) | 3.6762% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.6762% | 3,438 |
| Net charge-offs to loans | -0.0019% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6649% | 707 |
| Assets per employee ($millions) | 4.8130% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,592 |
| Loan loss allowance to noncurrent loans | 84.8525% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 2,604 |
| Noncurrent loans to loans | 1.3898% | 1,686 |
| Net loans and leases to total assets | 58.7785% | 3,994 |
| Net loans and leases to deposits | 64.0486% | 4,465 |
| Net loans and leases to core deposits | 64.9362% | 4,679 |
| Total domestic deposits to total assets | 91.7717% | 132 |
| Equity capital to assets | 7.7792% | 5,927 |
| Core capital (leverage) ratio | 7.8702% | 5,884 |
| Tier 1 risk-based capital ratio | 15.8654% | 2,749 |
| Total risk-based capital ratio | 17.1179% | 2,690 |
| Memoranda: | ||
| Average total assets | $349,504,600 | 1,872 |
| Average earning assets | $331,023,200 | 1,832 |
| Average equity | $27,800,400 | 2,478 |
| Average total loans | $211,489,600 | 1,985 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8821% | 5,908 |
| Cost of funding earning assets | 0.3133% | 4,184 |
| Net interest margin | 2.5688% | 5,865 |
| Noninterest income to average assets | 0.7731% | 1,916 |
| Noninterest expense to average assets | 2.8932% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2389% | 5,591 |
| Return on assets (ROA) | 0.2789% | 5,591 |
| Pretax return on assets | 0.3631% | 5,538 |
| Return on Equity (ROE) | 3.4859% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.4859% | 3,986 |
| Net charge-offs to loans | -0.0019% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2893% | 682 |
| Assets per employee ($millions) | 4.4652% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,687 |
| Loan loss allowance to noncurrent loans | 95.1146% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 2,996 |
| Noncurrent loans to loans | 1.2567% | 2,027 |
| Net loans and leases to total assets | 60.0706% | 3,877 |
| Net loans and leases to deposits | 65.8358% | 4,396 |
| Net loans and leases to core deposits | 66.8692% | 4,633 |
| Total domestic deposits to total assets | 91.2431% | 196 |
| Equity capital to assets | 8.1250% | 5,916 |
| Core capital (leverage) ratio | 8.0492% | 5,872 |
| Tier 1 risk-based capital ratio | 16.0316% | 2,781 |
| Total risk-based capital ratio | 17.2841% | 2,730 |
| Memoranda: | ||
| Average total assets | $346,637,250 | 1,902 |
| Average earning assets | $328,084,750 | 1,863 |
| Average equity | $27,730,250 | 2,491 |
| Average total loans | $210,685,250 | 1,999 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8622% | 5,974 |
| Cost of funding earning assets | 0.3184% | 4,180 |
| Net interest margin | 2.5438% | 5,927 |
| Noninterest income to average assets | 0.7946% | 1,804 |
| Noninterest expense to average assets | 2.9166% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2277% | 5,629 |
| Return on assets (ROA) | 0.2473% | 5,662 |
| Pretax return on assets | 0.3126% | 5,643 |
| Return on Equity (ROE) | 3.1081% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.1081% | 4,067 |
| Net charge-offs to loans | -0.0029% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0189% | 686 |
| Assets per employee ($millions) | 4.6219% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 3,845 |
| Loan loss allowance to noncurrent loans | 91.1087% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 2,982 |
| Noncurrent loans to loans | 1.3066% | 2,057 |
| Net loans and leases to total assets | 60.6048% | 3,742 |
| Net loans and leases to deposits | 66.2802% | 4,314 |
| Net loans and leases to core deposits | 67.2683% | 4,551 |
| Total domestic deposits to total assets | 91.4373% | 193 |
| Equity capital to assets | 8.0157% | 5,976 |
| Core capital (leverage) ratio | 7.8894% | 5,982 |
| Tier 1 risk-based capital ratio | 15.5575% | 3,070 |
| Total risk-based capital ratio | 16.8097% | 3,015 |
| Memoranda: | ||
| Average total assets | $346,088,000 | 1,912 |
| Average earning assets | $327,861,000 | 1,875 |
| Average equity | $27,541,000 | 2,512 |
| Average total loans | $210,331,000 | 2,010 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8075% | 6,065 |
| Cost of funding earning assets | 0.3247% | 4,167 |
| Net interest margin | 2.4828% | 6,038 |
| Noninterest income to average assets | 0.6582% | 2,367 |
| Noninterest expense to average assets | 2.9080% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1029% | 5,870 |
| Return on assets (ROA) | 0.1041% | 5,924 |
| Pretax return on assets | 0.1041% | 5,939 |
| Return on Equity (ROE) | 1.3130% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.3130% | 4,961 |
| Net charge-offs to loans | -0.0038% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5809% | 481 |
| Assets per employee ($millions) | 4.7527% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 4,051 |
| Loan loss allowance to noncurrent loans | 95.5438% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 3,235 |
| Noncurrent loans to loans | 1.2430% | 2,301 |
| Net loans and leases to total assets | 59.8536% | 3,676 |
| Net loans and leases to deposits | 65.3438% | 4,225 |
| Net loans and leases to core deposits | 66.4737% | 4,473 |
| Total domestic deposits to total assets | 91.5980% | 212 |
| Equity capital to assets | 7.8621% | 6,079 |
| Core capital (leverage) ratio | 7.8738% | 5,998 |
| Tier 1 risk-based capital ratio | 15.7284% | 3,047 |
| Total risk-based capital ratio | 16.9812% | 2,981 |
| Memoranda: | ||
| Average total assets | $345,810,000 | 1,923 |
| Average earning assets | $327,699,000 | 1,882 |
| Average equity | $27,418,500 | 2,542 |
| Average total loans | $209,189,500 | 2,018 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8242% | 6,189 |
| Cost of funding earning assets | 0.3668% | 4,068 |
| Net interest margin | 2.4574% | 6,187 |
| Noninterest income to average assets | 0.6780% | 2,412 |
| Noninterest expense to average assets | 2.8452% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1386% | 5,897 |
| Return on assets (ROA) | 0.1903% | 5,838 |
| Pretax return on assets | 0.2406% | 5,804 |
| Return on Equity (ROE) | 2.4051% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.4051% | 4,525 |
| Net charge-offs to loans | 0.0461% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.4674% | 3,190 |
| Efficiency ratio | 94.1980% | 587 |
| Assets per employee ($millions) | 4.5323% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 3,818 |
| Loan loss allowance to noncurrent loans | 107.3005% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 3,495 |
| Noncurrent loans to loans | 1.1473% | 2,552 |
| Net loans and leases to total assets | 59.6658% | 3,830 |
| Net loans and leases to deposits | 65.2670% | 4,403 |
| Net loans and leases to core deposits | 66.4482% | 4,635 |
| Total domestic deposits to total assets | 91.4180% | 246 |
| Equity capital to assets | 7.9978% | 6,074 |
| Core capital (leverage) ratio | 7.7421% | 6,118 |
| Tier 1 risk-based capital ratio | 15.6977% | 3,126 |
| Total risk-based capital ratio | 16.9507% | 3,057 |
| Memoranda: | ||
| Average total assets | $339,524,000 | 1,917 |
| Average earning assets | $323,632,800 | 1,850 |
| Average equity | $26,859,600 | 2,501 |
| Average total loans | $199,489,200 | 2,042 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8250% | 6,265 |
| Cost of funding earning assets | 0.3726% | 4,102 |
| Net interest margin | 2.4524% | 6,261 |
| Noninterest income to average assets | 0.6851% | 2,404 |
| Noninterest expense to average assets | 2.8031% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1737% | 5,897 |
| Return on assets (ROA) | 0.2160% | 5,861 |
| Pretax return on assets | 0.2793% | 5,808 |
| Return on Equity (ROE) | 2.7385% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.7385% | 4,644 |
| Net charge-offs to loans | 0.0660% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.8266% | 3,188 |
| Efficiency ratio | 92.5912% | 667 |
| Assets per employee ($millions) | 4.5247% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,996 |
| Loan loss allowance to noncurrent loans | 117.3023% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 3,953 |
| Noncurrent loans to loans | 1.0605% | 2,957 |
| Net loans and leases to total assets | 58.2191% | 4,038 |
| Net loans and leases to deposits | 63.6166% | 4,585 |
| Net loans and leases to core deposits | 64.8081% | 4,815 |
| Total domestic deposits to total assets | 91.5156% | 230 |
| Equity capital to assets | 7.8620% | 6,193 |
| Core capital (leverage) ratio | 7.8643% | 6,153 |
| Tier 1 risk-based capital ratio | 16.0929% | 3,017 |
| Total risk-based capital ratio | 17.3463% | 2,963 |
| Memoranda: | ||
| Average total assets | $339,425,000 | 1,924 |
| Average earning assets | $324,193,750 | 1,864 |
| Average equity | $26,778,000 | 2,514 |
| Average total loans | $198,025,500 | 2,065 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8353% | 6,314 |
| Cost of funding earning assets | 0.3791% | 4,110 |
| Net interest margin | 2.4563% | 6,314 |
| Noninterest income to average assets | 0.6812% | 2,372 |
| Noninterest expense to average assets | 2.8484% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1438% | 5,963 |
| Return on assets (ROA) | 0.1793% | 5,942 |
| Pretax return on assets | 0.2290% | 5,909 |
| Return on Equity (ROE) | 2.2703% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.2703% | 4,753 |
| Net charge-offs to loans | 0.0509% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,808 |
| Efficiency ratio | 93.9489% | 640 |
| Assets per employee ($millions) | 4.6810% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 3,838 |
| Loan loss allowance to noncurrent loans | 116.3422% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 4,048 |
| Noncurrent loans to loans | 1.1205% | 2,980 |
| Net loans and leases to total assets | 56.9426% | 4,124 |
| Net loans and leases to deposits | 62.2394% | 4,669 |
| Net loans and leases to core deposits | 63.3677% | 4,873 |
| Total domestic deposits to total assets | 91.4897% | 269 |
| Equity capital to assets | 7.9104% | 6,201 |
| Core capital (leverage) ratio | 7.7734% | 6,222 |
| Tier 1 risk-based capital ratio | 16.1792% | 2,989 |
| Total risk-based capital ratio | 17.4333% | 2,942 |
| Memoranda: | ||
| Average total assets | $337,940,000 | 1,933 |
| Average earning assets | $323,418,330 | 1,858 |
| Average equity | $26,692,000 | 2,505 |
| Average total loans | $196,458,670 | 2,078 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8042% | 6,397 |
| Cost of funding earning assets | 0.3856% | 4,135 |
| Net interest margin | 2.4186% | 6,405 |
| Noninterest income to average assets | 0.6808% | 2,282 |
| Noninterest expense to average assets | 2.8793% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1040% | 6,021 |
| Return on assets (ROA) | 0.1774% | 5,904 |
| Pretax return on assets | 0.2226% | 5,883 |
| Return on Equity (ROE) | 2.2471% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.2471% | 4,705 |
| Net charge-offs to loans | 0.0469% | 2,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.7826% | 2,475 |
| Efficiency ratio | 95.6505% | 661 |
| Assets per employee ($millions) | 4.5717% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,910 |
| Loan loss allowance to noncurrent loans | 137.2622% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 4,472 |
| Noncurrent loans to loans | 0.9758% | 3,474 |
| Net loans and leases to total assets | 56.5478% | 4,075 |
| Net loans and leases to deposits | 61.7712% | 4,574 |
| Net loans and leases to core deposits | 62.9586% | 4,791 |
| Total domestic deposits to total assets | 91.5440% | 368 |
| Equity capital to assets | 7.8595% | 6,141 |
| Core capital (leverage) ratio | 7.8714% | 6,194 |
| Tier 1 risk-based capital ratio | 16.9986% | 2,694 |
| Total risk-based capital ratio | 18.2539% | 2,644 |
| Memoranda: | ||
| Average total assets | $336,052,000 | 1,951 |
| Average earning assets | $323,662,000 | 1,861 |
| Average equity | $26,522,500 | 2,508 |
| Average total loans | $196,112,000 | 2,086 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8296% | 6,481 |
| Cost of funding earning assets | 0.4621% | 3,997 |
| Net interest margin | 2.3675% | 6,473 |
| Noninterest income to average assets | 0.7344% | 2,363 |
| Noninterest expense to average assets | 2.8363% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1297% | 5,976 |
| Return on assets (ROA) | 0.1905% | 5,917 |
| Pretax return on assets | 0.2549% | 5,839 |
| Return on Equity (ROE) | 2.4009% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.4009% | 4,537 |
| Net charge-offs to loans | 0.0383% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.7973% | 2,784 |
| Efficiency ratio | 94.2236% | 735 |
| Assets per employee ($millions) | 4.5108% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,034 |
| Loan loss allowance to noncurrent loans | 131.5261% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 4,447 |
| Noncurrent loans to loans | 1.0044% | 3,502 |
| Net loans and leases to total assets | 58.6289% | 3,930 |
| Net loans and leases to deposits | 64.0915% | 4,498 |
| Net loans and leases to core deposits | 65.2815% | 4,750 |
| Total domestic deposits to total assets | 91.4770% | 409 |
| Equity capital to assets | 7.9257% | 6,071 |
| Core capital (leverage) ratio | 7.6852% | 6,309 |
| Tier 1 risk-based capital ratio | 16.2196% | 2,998 |
| Total risk-based capital ratio | 17.4744% | 2,951 |
| Memoranda: | ||
| Average total assets | $331,838,400 | 1,943 |
| Average earning assets | $318,986,400 | 1,866 |
| Average equity | $26,324,000 | 2,517 |
| Average total loans | $193,143,000 | 2,065 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8490% | 6,536 |
| Cost of funding earning assets | 0.4749% | 4,021 |
| Net interest margin | 2.3741% | 6,537 |
| Noninterest income to average assets | 0.7380% | 2,423 |
| Noninterest expense to average assets | 2.8372% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1336% | 6,069 |
| Return on assets (ROA) | 0.2137% | 5,960 |
| Pretax return on assets | 0.2901% | 5,898 |
| Return on Equity (ROE) | 2.6929% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.6929% | 4,702 |
| Net charge-offs to loans | 0.0709% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.4313% | 3,442 |
| Efficiency ratio | 93.9757% | 737 |
| Assets per employee ($millions) | 4.5553% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,256 |
| Loan loss allowance to noncurrent loans | 137.2155% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 4,773 |
| Noncurrent loans to loans | 0.9675% | 3,876 |
| Net loans and leases to total assets | 57.1514% | 4,151 |
| Net loans and leases to deposits | 62.4243% | 4,701 |
| Net loans and leases to core deposits | 63.5954% | 4,932 |
| Total domestic deposits to total assets | 91.5531% | 352 |
| Equity capital to assets | 7.8313% | 6,242 |
| Core capital (leverage) ratio | 7.7675% | 6,345 |
| Tier 1 risk-based capital ratio | 16.3769% | 3,001 |
| Total risk-based capital ratio | 17.6314% | 2,965 |
| Memoranda: | ||
| Average total assets | $331,347,750 | 1,955 |
| Average earning assets | $318,373,500 | 1,885 |
| Average equity | $26,291,000 | 2,553 |
| Average total loans | $191,847,750 | 2,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8758% | 6,548 |
| Cost of funding earning assets | 0.4909% | 3,982 |
| Net interest margin | 2.3849% | 6,565 |
| Noninterest income to average assets | 0.7237% | 2,530 |
| Noninterest expense to average assets | 2.9123% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0751% | 6,187 |
| Return on assets (ROA) | 0.1955% | 6,032 |
| Pretax return on assets | 0.2629% | 5,972 |
| Return on Equity (ROE) | 2.4529% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.4529% | 4,740 |
| Net charge-offs to loans | 0.1101% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 4,004 |
| Efficiency ratio | 96.6747% | 632 |
| Assets per employee ($millions) | 4.3622% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,257 |
| Loan loss allowance to noncurrent loans | 151.4035% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 4,957 |
| Noncurrent loans to loans | 0.8934% | 4,140 |
| Net loans and leases to total assets | 56.9528% | 4,144 |
| Net loans and leases to deposits | 62.2038% | 4,712 |
| Net loans and leases to core deposits | 63.3953% | 4,962 |
| Total domestic deposits to total assets | 91.5585% | 357 |
| Equity capital to assets | 7.8615% | 6,289 |
| Core capital (leverage) ratio | 7.7680% | 6,327 |
| Tier 1 risk-based capital ratio | 16.3316% | 3,021 |
| Total risk-based capital ratio | 17.5865% | 2,980 |
| Memoranda: | ||
| Average total assets | $329,432,330 | 1,972 |
| Average earning assets | $316,154,670 | 1,896 |
| Average equity | $26,255,000 | 2,563 |
| Average total loans | $190,715,000 | 2,096 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9361% | 6,575 |
| Cost of funding earning assets | 0.5054% | 4,032 |
| Net interest margin | 2.4307% | 6,571 |
| Noninterest income to average assets | 0.6675% | 2,775 |
| Noninterest expense to average assets | 2.9599% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0291% | 6,296 |
| Return on assets (ROA) | 0.2619% | 5,815 |
| Pretax return on assets | 0.3715% | 5,641 |
| Return on Equity (ROE) | 3.2636% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.2636% | 4,295 |
| Net charge-offs to loans | 0.1828% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3678% | 3,690 |
| Efficiency ratio | 98.7002% | 600 |
| Assets per employee ($millions) | 4.4156% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,383 |
| Loan loss allowance to noncurrent loans | 133.0102% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 4,675 |
| Noncurrent loans to loans | 1.0294% | 4,079 |
| Net loans and leases to total assets | 56.7056% | 3,976 |
| Net loans and leases to deposits | 62.0117% | 4,542 |
| Net loans and leases to core deposits | 63.1164% | 4,836 |
| Total domestic deposits to total assets | 91.4434% | 370 |
| Equity capital to assets | 7.9621% | 6,397 |
| Core capital (leverage) ratio | 7.8884% | 6,227 |
| Tier 1 risk-based capital ratio | 16.6433% | 2,929 |
| Total risk-based capital ratio | 17.8989% | 2,895 |
| Memoranda: | ||
| Average total assets | $328,385,000 | 2,007 |
| Average earning assets | $314,974,500 | 1,927 |
| Average equity | $26,351,000 | 2,578 |
| Average total loans | $190,371,000 | 2,108 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1877% | 6,668 |
| Cost of funding earning assets | 0.6029% | 4,322 |
| Net interest margin | 2.5848% | 6,645 |
| Noninterest income to average assets | 0.7404% | 2,542 |
| Noninterest expense to average assets | 2.9389% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2017% | 5,780 |
| Return on assets (ROA) | 0.2369% | 5,871 |
| Pretax return on assets | 0.3298% | 5,768 |
| Return on Equity (ROE) | 2.9022% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.9022% | 4,191 |
| Net charge-offs to loans | 0.0524% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 9.1633% | 2,297 |
| Efficiency ratio | 91.2722% | 965 |
| Assets per employee ($millions) | 4.2286% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,099 |
| Loan loss allowance to noncurrent loans | 99.1900% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 4,389 |
| Noncurrent loans to loans | 1.4269% | 3,459 |
| Net loans and leases to total assets | 57.6318% | 4,038 |
| Net loans and leases to deposits | 63.0988% | 4,650 |
| Net loans and leases to core deposits | 64.2480% | 4,927 |
| Total domestic deposits to total assets | 91.3357% | 388 |
| Equity capital to assets | 8.0878% | 6,361 |
| Core capital (leverage) ratio | 7.8632% | 6,305 |
| Tier 1 risk-based capital ratio | 16.4682% | 2,910 |
| Total risk-based capital ratio | 17.7908% | 2,844 |
| Memoranda: | ||
| Average total assets | $319,544,800 | 2,010 |
| Average earning assets | $306,518,000 | 1,931 |
| Average equity | $26,083,400 | 2,560 |
| Average total loans | $186,863,800 | 2,121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 6,764 |
| Cost of funding earning assets | 0.6152% | 4,496 |
| Net interest margin | 2.6311% | 6,727 |
| Noninterest income to average assets | 0.7282% | 2,583 |
| Noninterest expense to average assets | 2.9066% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2416% | 5,805 |
| Return on assets (ROA) | 0.2868% | 5,861 |
| Pretax return on assets | 0.4134% | 5,687 |
| Return on Equity (ROE) | 3.5048% | 5,491 |
| Retained earnings to average equity (ytd only) | 3.5048% | 4,405 |
| Net charge-offs to loans | 0.0057% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 103.7151% | 408 |
| Efficiency ratio | 89.3083% | 1,087 |
| Assets per employee ($millions) | 4.1763% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 3,986 |
| Loan loss allowance to noncurrent loans | 125.9729% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 4,973 |
| Noncurrent loans to loans | 1.1849% | 4,083 |
| Net loans and leases to total assets | 57.1325% | 4,273 |
| Net loans and leases to deposits | 62.6411% | 4,893 |
| Net loans and leases to core deposits | 63.8102% | 5,171 |
| Total domestic deposits to total assets | 91.2061% | 357 |
| Equity capital to assets | 8.1741% | 6,501 |
| Core capital (leverage) ratio | 8.0822% | 6,251 |
| Tier 1 risk-based capital ratio | 16.9244% | 2,773 |
| Total risk-based capital ratio | 18.2520% | 2,689 |
| Memoranda: | ||
| Average total assets | $318,031,000 | 2,039 |
| Average earning assets | $305,367,250 | 1,955 |
| Average equity | $26,020,750 | 2,588 |
| Average total loans | $185,994,000 | 2,151 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 6,806 |
| Cost of funding earning assets | 0.6248% | 4,678 |
| Net interest margin | 2.6879% | 6,723 |
| Noninterest income to average assets | 0.7272% | 2,524 |
| Noninterest expense to average assets | 2.9238% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2615% | 5,729 |
| Return on assets (ROA) | 0.3276% | 5,722 |
| Pretax return on assets | 0.4804% | 5,495 |
| Return on Equity (ROE) | 4.0027% | 5,262 |
| Retained earnings to average equity (ytd only) | 4.0027% | 3,944 |
| Net charge-offs to loans | -0.0441% | 6,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4138% | 1,199 |
| Assets per employee ($millions) | 4.2083% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,951 |
| Loan loss allowance to noncurrent loans | 176.4010% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 5,461 |
| Noncurrent loans to loans | 0.8580% | 4,793 |
| Net loans and leases to total assets | 57.6408% | 4,228 |
| Net loans and leases to deposits | 63.1413% | 4,862 |
| Net loans and leases to core deposits | 64.3190% | 5,175 |
| Total domestic deposits to total assets | 91.2885% | 359 |
| Equity capital to assets | 8.1465% | 6,490 |
| Core capital (leverage) ratio | 8.0647% | 6,201 |
| Tier 1 risk-based capital ratio | 16.5725% | 2,872 |
| Total risk-based capital ratio | 17.8918% | 2,787 |
| Memoranda: | ||
| Average total assets | $316,849,000 | 2,046 |
| Average earning assets | $304,107,330 | 1,956 |
| Average equity | $25,932,330 | 2,576 |
| Average total loans | $185,822,330 | 2,155 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3786% | 6,838 |
| Cost of funding earning assets | 0.6366% | 4,839 |
| Net interest margin | 2.7419% | 6,727 |
| Noninterest income to average assets | 0.7293% | 2,502 |
| Noninterest expense to average assets | 2.9934% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2484% | 5,830 |
| Return on assets (ROA) | 0.3843% | 5,506 |
| Pretax return on assets | 0.5720% | 5,212 |
| Return on Equity (ROE) | 4.6848% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.6848% | 3,754 |
| Net charge-offs to loans | -0.3219% | 7,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0230% | 1,172 |
| Assets per employee ($millions) | 4.1535% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 3,775 |
| Loan loss allowance to noncurrent loans | 126.4402% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 4,972 |
| Noncurrent loans to loans | 1.2542% | 4,238 |
| Net loans and leases to total assets | 57.0683% | 4,210 |
| Net loans and leases to deposits | 62.5352% | 4,839 |
| Net loans and leases to core deposits | 63.8080% | 5,133 |
| Total domestic deposits to total assets | 91.2579% | 452 |
| Equity capital to assets | 8.1258% | 6,433 |
| Core capital (leverage) ratio | 8.1499% | 6,094 |
| Tier 1 risk-based capital ratio | 16.4355% | 2,945 |
| Total risk-based capital ratio | 17.7569% | 2,873 |
| Memoranda: | ||
| Average total assets | $315,358,000 | 2,057 |
| Average earning assets | $302,851,500 | 1,968 |
| Average equity | $25,871,000 | 2,579 |
| Average total loans | $185,140,500 | 2,168 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 6,917 |
| Cost of funding earning assets | 0.7486% | 5,220 |
| Net interest margin | 2.8730% | 6,733 |
| Noninterest income to average assets | 0.6915% | 2,655 |
| Noninterest expense to average assets | 2.9683% | 3,710 |
| Loan and lease loss provision to assets | 0.1333% | 4,946 |
| Net operating income to assets | 0.2354% | 5,479 |
| Return on assets (ROA) | 0.2907% | 5,444 |
| Pretax return on assets | 0.4233% | 5,217 |
| Return on Equity (ROE) | 3.5015% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.5015% | 3,732 |
| Net charge-offs to loans | 0.1531% | 4,912 |
| Credit loss provision to net charge-offs | 144.3262% | 1,999 |
| Earnings coverage of net charge-offs (x) | 5.1596% | 2,884 |
| Efficiency ratio | 86.1705% | 1,544 |
| Assets per employee ($millions) | 4.0376% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 3,968 |
| Loan loss allowance to noncurrent loans | 93.2220% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 4,561 |
| Noncurrent loans to loans | 1.6205% | 3,729 |
| Net loans and leases to total assets | 58.5508% | 4,271 |
| Net loans and leases to deposits | 64.2302% | 4,979 |
| Net loans and leases to core deposits | 65.5944% | 5,306 |
| Total domestic deposits to total assets | 91.1578% | 440 |
| Equity capital to assets | 8.2839% | 6,364 |
| Core capital (leverage) ratio | 8.0702% | 6,178 |
| Tier 1 risk-based capital ratio | 16.5238% | 2,812 |
| Total risk-based capital ratio | 17.8342% | 2,756 |
| Memoranda: | ||
| Average total assets | $305,427,200 | 2,094 |
| Average earning assets | $292,694,200 | 2,000 |
| Average equity | $25,360,800 | 2,541 |
| Average total loans | $184,212,600 | 2,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 6,953 |
| Cost of funding earning assets | 0.7722% | 5,320 |
| Net interest margin | 2.9016% | 6,744 |
| Noninterest income to average assets | 0.6915% | 2,656 |
| Noninterest expense to average assets | 2.9932% | 3,574 |
| Loan and lease loss provision to assets | 0.1785% | 4,246 |
| Net operating income to assets | 0.2083% | 5,681 |
| Return on assets (ROA) | 0.2815% | 5,627 |
| Pretax return on assets | 0.4056% | 5,451 |
| Return on Equity (ROE) | 3.3883% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.3883% | 4,322 |
| Net charge-offs to loans | 0.2101% | 4,118 |
| Credit loss provision to net charge-offs | 140.3448% | 2,267 |
| Earnings coverage of net charge-offs (x) | 3.7586% | 3,311 |
| Efficiency ratio | 86.2304% | 1,511 |
| Assets per employee ($millions) | 3.9698% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 4,109 |
| Loan loss allowance to noncurrent loans | 64.1179% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 3,734 |
| Noncurrent loans to loans | 2.3356% | 2,964 |
| Net loans and leases to total assets | 58.3905% | 4,441 |
| Net loans and leases to deposits | 63.9805% | 5,175 |
| Net loans and leases to core deposits | 65.3623% | 5,488 |
| Total domestic deposits to total assets | 91.2629% | 357 |
| Equity capital to assets | 8.1229% | 6,621 |
| Core capital (leverage) ratio | 8.1222% | 6,254 |
| Tier 1 risk-based capital ratio | 15.6415% | 3,316 |
| Total risk-based capital ratio | 16.9325% | 3,249 |
| Memoranda: | ||
| Average total assets | $304,060,500 | 2,116 |
| Average earning assets | $291,282,500 | 2,023 |
| Average equity | $25,262,500 | 2,544 |
| Average total loans | $184,060,000 | 2,210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 6,969 |
| Cost of funding earning assets | 0.7963% | 5,394 |
| Net interest margin | 2.9543% | 6,687 |
| Noninterest income to average assets | 0.7365% | 2,340 |
| Noninterest expense to average assets | 3.0804% | 3,329 |
| Loan and lease loss provision to assets | 0.1090% | 4,937 |
| Net operating income to assets | 0.2565% | 5,533 |
| Return on assets (ROA) | 0.3643% | 5,250 |
| Pretax return on assets | 0.5418% | 4,932 |
| Return on Equity (ROE) | 4.3506% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.3506% | 3,425 |
| Net charge-offs to loans | -0.0098% | 6,683 |
| Credit loss provision to net charge-offs | -1,822.2222% | 6,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2782% | 1,576 |
| Assets per employee ($millions) | 3.9570% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 3,940 |
| Loan loss allowance to noncurrent loans | 74.5603% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 4,357 |
| Noncurrent loans to loans | 2.0662% | 3,387 |
| Net loans and leases to total assets | 59.5727% | 4,357 |
| Net loans and leases to deposits | 65.5120% | 5,070 |
| Net loans and leases to core deposits | 66.8782% | 5,403 |
| Total domestic deposits to total assets | 90.9341% | 520 |
| Equity capital to assets | 8.3600% | 6,353 |
| Core capital (leverage) ratio | 8.1662% | 6,079 |
| Tier 1 risk-based capital ratio | 15.9374% | 3,008 |
| Total risk-based capital ratio | 17.2455% | 2,945 |
| Memoranda: | ||
| Average total assets | $300,874,670 | 2,143 |
| Average earning assets | $288,600,330 | 2,046 |
| Average equity | $25,191,670 | 2,537 |
| Average total loans | $183,444,330 | 2,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 6,955 |
| Cost of funding earning assets | 0.8164% | 5,491 |
| Net interest margin | 2.9808% | 6,607 |
| Noninterest income to average assets | 0.6823% | 2,666 |
| Noninterest expense to average assets | 3.1401% | 3,106 |
| Loan and lease loss provision to assets | 0.2194% | 3,463 |
| Net operating income to assets | 0.1311% | 6,007 |
| Return on assets (ROA) | 0.1311% | 6,060 |
| Pretax return on assets | 0.1806% | 5,985 |
| Return on Equity (ROE) | 1.5648% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.5648% | 5,172 |
| Net charge-offs to loans | -0.0284% | 6,691 |
| Credit loss provision to net charge-offs | -1,261.5385% | 6,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6999% | 1,443 |
| Assets per employee ($millions) | 4.0325% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 3,927 |
| Loan loss allowance to noncurrent loans | 67.8759% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 4,166 |
| Noncurrent loans to loans | 2.2951% | 3,201 |
| Net loans and leases to total assets | 59.4229% | 4,382 |
| Net loans and leases to deposits | 65.2711% | 5,082 |
| Net loans and leases to core deposits | 66.5440% | 5,458 |
| Total domestic deposits to total assets | 91.0402% | 609 |
| Equity capital to assets | 8.3028% | 6,158 |
| Core capital (leverage) ratio | 8.2248% | 5,947 |
| Tier 1 risk-based capital ratio | 16.1588% | 2,833 |
| Total risk-based capital ratio | 17.4673% | 2,766 |
| Memoranda: | ||
| Average total assets | $298,967,000 | 2,167 |
| Average earning assets | $286,638,500 | 2,072 |
| Average equity | $25,051,500 | 2,537 |
| Average total loans | $182,990,500 | 2,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 6,957 |
| Cost of funding earning assets | 0.9410% | 5,975 |
| Net interest margin | 3.2366% | 6,173 |
| Noninterest income to average assets | 0.8854% | 1,909 |
| Noninterest expense to average assets | 3.2011% | 3,090 |
| Loan and lease loss provision to assets | 0.3943% | 3,751 |
| Net operating income to assets | 0.2491% | 5,110 |
| Return on assets (ROA) | 0.4036% | 4,659 |
| Pretax return on assets | 0.5945% | 4,346 |
| Return on Equity (ROE) | 4.7132% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.7132% | 2,600 |
| Net charge-offs to loans | 0.4174% | 3,948 |
| Credit loss provision to net charge-offs | 147.6684% | 2,479 |
| Earnings coverage of net charge-offs (x) | 2.8523% | 3,648 |
| Efficiency ratio | 80.7820% | 2,310 |
| Assets per employee ($millions) | 3.9399% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 4,262 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 4,617 |
| Noncurrent loans to loans | 1.9387% | 3,650 |
| Net loans and leases to total assets | 61.1692% | 4,460 |
| Net loans and leases to deposits | 67.2896% | 5,199 |
| Net loans and leases to core deposits | 68.5625% | 5,603 |
| Total domestic deposits to total assets | 90.9044% | 645 |
| Equity capital to assets | 8.4577% | 5,912 |
| Core capital (leverage) ratio | 8.2584% | 5,744 |
| Tier 1 risk-based capital ratio | 15.9669% | 2,773 |
| Total risk-based capital ratio | 17.2656% | 2,700 |
| Memoranda: | ||
| Average total assets | $289,150,000 | 2,219 |
| Average earning assets | $274,915,800 | 2,149 |
| Average equity | $24,760,400 | 2,576 |
| Average total loans | $184,936,600 | 2,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 7,016 |
| Cost of funding earning assets | 0.9640% | 6,122 |
| Net interest margin | 3.2981% | 6,024 |
| Noninterest income to average assets | 0.9445% | 1,632 |
| Noninterest expense to average assets | 3.1839% | 2,984 |
| Loan and lease loss provision to assets | 0.4261% | 3,356 |
| Net operating income to assets | 0.3092% | 5,129 |
| Return on assets (ROA) | 0.5123% | 4,451 |
| Pretax return on assets | 0.7660% | 4,029 |
| Return on Equity (ROE) | 5.9642% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.9642% | 2,376 |
| Net charge-offs to loans | 0.5087% | 3,257 |
| Credit loss provision to net charge-offs | 129.9859% | 3,110 |
| Earnings coverage of net charge-offs (x) | 2.7115% | 3,791 |
| Efficiency ratio | 78.1762% | 2,605 |
| Assets per employee ($millions) | 3.8436% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 4,538 |
| Loan loss allowance to noncurrent loans | 77.5239% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 4,898 |
| Noncurrent loans to loans | 1.7894% | 3,963 |
| Net loans and leases to total assets | 61.1069% | 4,694 |
| Net loans and leases to deposits | 67.3997% | 5,504 |
| Net loans and leases to core deposits | 68.7112% | 5,874 |
| Total domestic deposits to total assets | 90.6635% | 562 |
| Equity capital to assets | 8.5854% | 6,178 |
| Core capital (leverage) ratio | 8.4567% | 5,588 |
| Tier 1 risk-based capital ratio | 16.1570% | 2,693 |
| Total risk-based capital ratio | 17.4445% | 2,625 |
| Memoranda: | ||
| Average total assets | $287,563,750 | 2,262 |
| Average earning assets | $272,754,500 | 2,194 |
| Average equity | $24,702,500 | 2,626 |
| Average total loans | $185,316,000 | 2,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 6,970 |
| Cost of funding earning assets | 0.9935% | 6,174 |
| Net interest margin | 3.3634% | 5,784 |
| Noninterest income to average assets | 0.7964% | 2,135 |
| Noninterest expense to average assets | 3.2113% | 2,864 |
| Loan and lease loss provision to assets | 0.2042% | 4,834 |
| Net operating income to assets | 0.3705% | 4,892 |
| Return on assets (ROA) | 0.6391% | 3,830 |
| Pretax return on assets | 0.9621% | 3,268 |
| Return on Equity (ROE) | 7.4378% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.4378% | 1,662 |
| Net charge-offs to loans | 0.1050% | 5,101 |
| Credit loss provision to net charge-offs | 297.9592% | 1,245 |
| Earnings coverage of net charge-offs (x) | 11.0816% | 1,806 |
| Efficiency ratio | 80.8769% | 2,317 |
| Assets per employee ($millions) | 3.7529% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 4,721 |
| Loan loss allowance to noncurrent loans | 71.1676% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 4,685 |
| Noncurrent loans to loans | 1.8860% | 3,882 |
| Net loans and leases to total assets | 64.2466% | 4,209 |
| Net loans and leases to deposits | 71.0691% | 5,134 |
| Net loans and leases to core deposits | 72.2385% | 5,646 |
| Total domestic deposits to total assets | 90.4001% | 720 |
| Equity capital to assets | 8.7237% | 5,851 |
| Core capital (leverage) ratio | 7.9970% | 6,280 |
| Tier 1 risk-based capital ratio | 14.5065% | 3,443 |
| Total risk-based capital ratio | 15.7787% | 3,391 |
| Memoranda: | ||
| Average total assets | $286,048,000 | 2,289 |
| Average earning assets | $269,962,330 | 2,228 |
| Average equity | $24,577,000 | 2,640 |
| Average total loans | $186,751,000 | 2,345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 6,992 |
| Cost of funding earning assets | 1.0333% | 6,211 |
| Net interest margin | 3.3708% | 5,702 |
| Noninterest income to average assets | 0.6689% | 2,818 |
| Noninterest expense to average assets | 3.0636% | 3,419 |
| Loan and lease loss provision to assets | 0.2569% | 3,986 |
| Net operating income to assets | 0.3419% | 5,119 |
| Return on assets (ROA) | 0.8783% | 2,717 |
| Pretax return on assets | 1.3405% | 1,934 |
| Return on Equity (ROE) | 10.3011% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.3011% | 1,082 |
| Net charge-offs to loans | 0.1944% | 3,748 |
| Credit loss provision to net charge-offs | 202.1978% | 1,833 |
| Earnings coverage of net charge-offs (x) | 6.1758% | 2,268 |
| Efficiency ratio | 79.6081% | 2,628 |
| Assets per employee ($millions) | 3.8336% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 5,018 |
| Loan loss allowance to noncurrent loans | 71.4670% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 4,845 |
| Noncurrent loans to loans | 1.7982% | 4,053 |
| Net loans and leases to total assets | 63.9056% | 4,351 |
| Net loans and leases to deposits | 70.5864% | 5,253 |
| Net loans and leases to core deposits | 71.9451% | 5,718 |
| Total domestic deposits to total assets | 90.5353% | 721 |
| Equity capital to assets | 8.5465% | 5,944 |
| Core capital (leverage) ratio | 7.9925% | 6,253 |
| Tier 1 risk-based capital ratio | 14.0180% | 3,641 |
| Total risk-based capital ratio | 15.3024% | 3,586 |
| Memoranda: | ||
| Average total assets | $286,460,500 | 2,337 |
| Average earning assets | $270,203,500 | 2,283 |
| Average equity | $24,424,500 | 2,676 |
| Average total loans | $187,257,000 | 2,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 6,937 |
| Cost of funding earning assets | 1.3632% | 6,080 |
| Net interest margin | 3.4436% | 5,202 |
| Noninterest income to average assets | 0.7510% | 2,672 |
| Noninterest expense to average assets | 3.2740% | 3,111 |
| Loan and lease loss provision to assets | 0.2339% | 5,501 |
| Net operating income to assets | 0.3892% | 4,166 |
| Return on assets (ROA) | 0.7177% | 2,937 |
| Pretax return on assets | 0.9113% | 2,888 |
| Return on Equity (ROE) | 8.6436% | 2,151 |
| Retained earnings to average equity (ytd only) | 8.6436% | 557 |
| Net charge-offs to loans | 0.0818% | 6,289 |
| Credit loss provision to net charge-offs | 423.1788% | 742 |
| Earnings coverage of net charge-offs (x) | 13.1987% | 1,445 |
| Efficiency ratio | 81.7808% | 2,632 |
| Assets per employee ($millions) | 3.7553% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,238 |
| Loan loss allowance to noncurrent loans | 112.2011% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 5,587 |
| Noncurrent loans to loans | 1.0877% | 5,144 |
| Net loans and leases to total assets | 65.2001% | 4,339 |
| Net loans and leases to deposits | 71.7991% | 5,354 |
| Net loans and leases to core deposits | 78.9734% | 6,182 |
| Total domestic deposits to total assets | 90.8090% | 614 |
| Equity capital to assets | 8.5060% | 5,869 |
| Core capital (leverage) ratio | 7.8454% | 6,394 |
| Tier 1 risk-based capital ratio | 12.9524% | 4,171 |
| Total risk-based capital ratio | 14.2929% | 4,064 |
| Memoranda: | ||
| Average total assets | $273,247,400 | 2,396 |
| Average earning assets | $258,073,400 | 2,344 |
| Average equity | $22,687,400 | 2,865 |
| Average total loans | $184,650,200 | 2,464 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 6,969 |
| Cost of funding earning assets | 1.4481% | 6,044 |
| Net interest margin | 3.4170% | 5,190 |
| Noninterest income to average assets | 0.7456% | 2,731 |
| Noninterest expense to average assets | 3.2665% | 3,049 |
| Loan and lease loss provision to assets | 0.2413% | 5,029 |
| Net operating income to assets | 0.3545% | 4,576 |
| Return on assets (ROA) | 0.6099% | 3,626 |
| Pretax return on assets | 0.8048% | 3,523 |
| Return on Equity (ROE) | 7.3932% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.3932% | 1,352 |
| Net charge-offs to loans | 0.0414% | 6,319 |
| Credit loss provision to net charge-offs | 857.8947% | 445 |
| Earnings coverage of net charge-offs (x) | 25.2450% | 1,060 |
| Efficiency ratio | 82.1442% | 2,561 |
| Assets per employee ($millions) | 3.4997% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,214 |
| Loan loss allowance to noncurrent loans | 110.1129% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 5,650 |
| Noncurrent loans to loans | 1.0733% | 5,164 |
| Net loans and leases to total assets | 66.9835% | 4,188 |
| Net loans and leases to deposits | 73.7274% | 5,396 |
| Net loans and leases to core deposits | 80.8706% | 6,280 |
| Total domestic deposits to total assets | 90.8529% | 467 |
| Equity capital to assets | 8.4228% | 6,356 |
| Core capital (leverage) ratio | 7.6407% | 6,811 |
| Tier 1 risk-based capital ratio | 12.4331% | 4,603 |
| Total risk-based capital ratio | 13.7740% | 4,476 |
| Memoranda: | ||
| Average total assets | $270,209,250 | 2,426 |
| Average earning assets | $255,500,750 | 2,381 |
| Average equity | $22,290,250 | 2,934 |
| Average total loans | $183,717,750 | 2,492 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 7,027 |
| Cost of funding earning assets | 1.5239% | 6,046 |
| Net interest margin | 3.3761% | 5,265 |
| Noninterest income to average assets | 0.7147% | 2,898 |
| Noninterest expense to average assets | 3.3017% | 2,953 |
| Loan and lease loss provision to assets | 0.2233% | 4,802 |
| Net operating income to assets | 0.2737% | 4,999 |
| Return on assets (ROA) | 0.4121% | 4,571 |
| Pretax return on assets | 0.5679% | 4,415 |
| Return on Equity (ROE) | 5.0321% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.0321% | 2,486 |
| Net charge-offs to loans | 0.0187% | 6,256 |
| Credit loss provision to net charge-offs | 1,752.9412% | 299 |
| Earnings coverage of net charge-offs (x) | 47.2353% | 718 |
| Efficiency ratio | 84.5873% | 2,410 |
| Assets per employee ($millions) | 3.5718% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,479 |
| Loan loss allowance to noncurrent loans | 82.4921% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 5,157 |
| Noncurrent loans to loans | 1.3540% | 4,505 |
| Net loans and leases to total assets | 66.4785% | 4,464 |
| Net loans and leases to deposits | 73.0179% | 5,608 |
| Net loans and leases to core deposits | 80.6152% | 6,352 |
| Total domestic deposits to total assets | 91.0441% | 440 |
| Equity capital to assets | 8.0995% | 6,629 |
| Core capital (leverage) ratio | 7.6268% | 6,864 |
| Tier 1 risk-based capital ratio | 12.0428% | 4,883 |
| Total risk-based capital ratio | 13.3541% | 4,748 |
| Memoranda: | ||
| Average total assets | $266,953,000 | 2,469 |
| Average earning assets | $252,121,670 | 2,420 |
| Average equity | $21,859,670 | 2,987 |
| Average total loans | $181,696,330 | 2,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 6,914 |
| Cost of funding earning assets | 1.5955% | 6,047 |
| Net interest margin | 3.4103% | 5,096 |
| Noninterest income to average assets | 0.6372% | 3,290 |
| Noninterest expense to average assets | 3.5354% | 2,017 |
| Loan and lease loss provision to assets | 0.1149% | 5,495 |
| Net operating income to assets | 0.0751% | 6,056 |
| Return on assets (ROA) | -0.0337% | 6,438 |
| Pretax return on assets | 0.0322% | 6,316 |
| Return on Equity (ROE) | -0.4092% | 6,457 |
| Retained earnings to average equity (ytd only) | -0.4092% | 5,747 |
| Net charge-offs to loans | 0.0022% | 5,711 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 203 |
| Efficiency ratio | 91.7694% | 1,590 |
| Assets per employee ($millions) | 3.4883% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,824 |
| Loan loss allowance to noncurrent loans | 105.3073% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 5,476 |
| Noncurrent loans to loans | 0.9946% | 5,007 |
| Net loans and leases to total assets | 67.1759% | 4,308 |
| Net loans and leases to deposits | 73.9378% | 5,488 |
| Net loans and leases to core deposits | 82.2217% | 6,221 |
| Total domestic deposits to total assets | 90.8546% | 462 |
| Equity capital to assets | 8.1163% | 6,653 |
| Core capital (leverage) ratio | 7.6703% | 6,926 |
| Tier 1 risk-based capital ratio | 11.9116% | 5,032 |
| Total risk-based capital ratio | 13.0465% | 5,046 |
| Memoranda: | ||
| Average total assets | $261,131,000 | 2,538 |
| Average earning assets | $246,194,000 | 2,484 |
| Average equity | $21,507,000 | 3,038 |
| Average total loans | $178,895,000 | 2,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6587% | 6,906 |
| Cost of funding earning assets | 2.0981% | 6,059 |
| Net interest margin | 3.5607% | 5,051 |
| Noninterest income to average assets | 0.8362% | 2,315 |
| Noninterest expense to average assets | 3.3595% | 2,797 |
| Loan and lease loss provision to assets | -0.0318% | 8,224 |
| Net operating income to assets | 0.4609% | 4,902 |
| Return on assets (ROA) | 0.0088% | 6,202 |
| Pretax return on assets | 0.1274% | 5,889 |
| Return on Equity (ROE) | 0.1042% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.1042% | 5,170 |
| Net charge-offs to loans | -0.0891% | 8,080 |
| Credit loss provision to net charge-offs | 49.3827% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7288% | 2,495 |
| Assets per employee ($millions) | 3.3397% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 5,864 |
| Loan loss allowance to noncurrent loans | 111.8592% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 5,275 |
| Noncurrent loans to loans | 0.9105% | 4,803 |
| Net loans and leases to total assets | 68.4435% | 4,381 |
| Net loans and leases to deposits | 75.4212% | 5,664 |
| Net loans and leases to core deposits | 83.4959% | 6,345 |
| Total domestic deposits to total assets | 90.7484% | 407 |
| Equity capital to assets | 8.3595% | 6,328 |
| Core capital (leverage) ratio | 7.7855% | 6,824 |
| Tier 1 risk-based capital ratio | 12.3022% | 4,583 |
| Total risk-based capital ratio | 13.4407% | 4,566 |
| Memoranda: | ||
| Average total assets | $251,254,000 | 2,550 |
| Average earning assets | $234,646,400 | 2,513 |
| Average equity | $21,109,200 | 3,084 |
| Average total loans | $181,749,200 | 2,481 |