Home > Seamen's Bank > Performance and Condition Ratios
Seamen's Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 3,110 |
| Cost of funding earning assets | 1.0345% | 3,218 |
| Net interest margin | 3.4586% | 2,283 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.7905% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5576% | 3,547 |
| Return on assets (ROA) | 0.5045% | 3,655 |
| Pretax return on assets | 0.6721% | 3,494 |
| Return on Equity (ROE) | 4.9600% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.9618% | 2,616 |
| Net charge-offs to loans | 0.0024% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 494.0000% | 298 |
| Efficiency ratio | 79.0564% | 982 |
| Assets per employee ($millions) | 6.2994% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,535 |
| Loan loss allowance to noncurrent loans | 280.2042% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 1,821 |
| Noncurrent loans to loans | 0.4116% | 1,756 |
| Net loans and leases to total assets | 67.4100% | 2,104 |
| Net loans and leases to deposits | 75.8848% | 2,461 |
| Net loans and leases to core deposits | 83.2510% | 2,509 |
| Total domestic deposits to total assets | 88.8300% | 1,109 |
| Equity capital to assets | 11.0202% | 1,474 |
| Core capital (leverage) ratio | 10.8073% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $467,771,200 | 1,803 |
| Average earning assets | $449,577,200 | 1,752 |
| Average equity | $47,563,400 | 1,667 |
| Average total loans | $290,376,400 | 1,828 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 3,229 |
| Cost of funding earning assets | 0.9803% | 3,088 |
| Net interest margin | 3.3540% | 2,561 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.7915% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4854% | 3,794 |
| Return on assets (ROA) | 0.4153% | 3,931 |
| Pretax return on assets | 0.5516% | 3,821 |
| Return on Equity (ROE) | 4.1700% | 3,954 |
| Retained earnings to average equity (ytd only) | 4.1681% | 3,212 |
| Net charge-offs to loans | 0.0033% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 323.4286% | 426 |
| Efficiency ratio | 81.3386% | 775 |
| Assets per employee ($millions) | 6.9198% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,527 |
| Loan loss allowance to noncurrent loans | 265.7973% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 1,900 |
| Noncurrent loans to loans | 0.4392% | 1,734 |
| Net loans and leases to total assets | 62.3400% | 2,618 |
| Net loans and leases to deposits | 69.2798% | 2,885 |
| Net loans and leases to core deposits | 75.5844% | 2,894 |
| Total domestic deposits to total assets | 89.9900% | 939 |
| Equity capital to assets | 9.8915% | 1,890 |
| Core capital (leverage) ratio | 10.5659% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $471,325,000 | 1,792 |
| Average earning assets | $453,054,500 | 1,748 |
| Average equity | $46,958,500 | 1,671 |
| Average total loans | $285,642,250 | 1,850 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,396 |
| Cost of funding earning assets | 0.7907% | 2,766 |
| Net interest margin | 3.2384% | 3,021 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.6950% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4715% | 3,965 |
| Return on assets (ROA) | 0.2634% | 4,263 |
| Pretax return on assets | 0.3605% | 4,190 |
| Return on Equity (ROE) | 2.6900% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.6868% | 3,570 |
| Net charge-offs to loans | 0.0104% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 105.5714% | 763 |
| Efficiency ratio | 81.2007% | 754 |
| Assets per employee ($millions) | 6.6785% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,130 |
| Loan loss allowance to noncurrent loans | 203.0165% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 1,338 |
| Noncurrent loans to loans | 0.6303% | 1,192 |
| Net loans and leases to total assets | 60.5900% | 2,587 |
| Net loans and leases to deposits | 67.6174% | 2,803 |
| Net loans and leases to core deposits | 72.6736% | 2,766 |
| Total domestic deposits to total assets | 89.6100% | 1,295 |
| Equity capital to assets | 10.2995% | 1,675 |
| Core capital (leverage) ratio | 10.4116% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $473,761,000 | 1,806 |
| Average earning assets | $455,776,500 | 1,757 |
| Average equity | $46,449,000 | 1,701 |
| Average total loans | $270,437,500 | 1,925 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0161% | 4,112 |
| Cost of funding earning assets | 0.2044% | 3,719 |
| Net interest margin | 2.8117% | 3,871 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.1589% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5747% | 3,936 |
| Return on assets (ROA) | 0.5735% | 3,902 |
| Pretax return on assets | 0.7780% | 3,676 |
| Return on Equity (ROE) | 6.7900% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.7853% | 2,330 |
| Net charge-offs to loans | -0.0055% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.4721% | 1,272 |
| Assets per employee ($millions) | 7.2556% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,637 |
| Loan loss allowance to noncurrent loans | 126.6029% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 879 |
| Noncurrent loans to loans | 1.0769% | 670 |
| Net loans and leases to total assets | 52.4100% | 3,328 |
| Net loans and leases to deposits | 57.9115% | 3,470 |
| Net loans and leases to core deposits | 60.3548% | 3,490 |
| Total domestic deposits to total assets | 90.4900% | 1,155 |
| Equity capital to assets | 9.3485% | 2,112 |
| Core capital (leverage) ratio | 9.2735% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $534,575,800 | 1,648 |
| Average earning assets | $518,588,400 | 1,584 |
| Average equity | $45,186,200 | 1,748 |
| Average total loans | $256,277,800 | 1,906 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7334% | 4,263 |
| Cost of funding earning assets | 0.1317% | 4,019 |
| Net interest margin | 2.6017% | 4,096 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.1188% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4606% | 4,150 |
| Return on assets (ROA) | 0.4591% | 4,095 |
| Pretax return on assets | 0.6206% | 3,951 |
| Return on Equity (ROE) | 5.5600% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,906 |
| Net charge-offs to loans | -0.0073% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.2918% | 969 |
| Assets per employee ($millions) | 8.0802% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,607 |
| Loan loss allowance to noncurrent loans | 125.0525% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 1,046 |
| Noncurrent loans to loans | 1.1190% | 662 |
| Net loans and leases to total assets | 45.8300% | 3,774 |
| Net loans and leases to deposits | 49.9311% | 3,861 |
| Net loans and leases to core deposits | 52.0799% | 3,853 |
| Total domestic deposits to total assets | 91.7900% | 943 |
| Equity capital to assets | 8.0861% | 2,849 |
| Core capital (leverage) ratio | 8.6957% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5833% | 775 |
| Memoranda: | ||
| Average total assets | $544,873,750 | 1,634 |
| Average earning assets | $529,481,250 | 1,570 |
| Average equity | $44,951,750 | 1,777 |
| Average total loans | $254,812,500 | 1,918 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5545% | 4,325 |
| Cost of funding earning assets | 0.1334% | 3,800 |
| Net interest margin | 2.4211% | 4,199 |
| Noninterest income to average assets | 0.2043% | 3,972 |
| Noninterest expense to average assets | 2.1209% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3292% | 4,237 |
| Return on assets (ROA) | 0.3269% | 4,193 |
| Pretax return on assets | 0.4384% | 4,101 |
| Return on Equity (ROE) | 3.9356% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,108 |
| Net charge-offs to loans | -0.0149% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7755% | 751 |
| Assets per employee ($millions) | 7.8679% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,726 |
| Loan loss allowance to noncurrent loans | 122.4427% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 1,041 |
| Noncurrent loans to loans | 1.1494% | 704 |
| Net loans and leases to total assets | 46.8617% | 3,642 |
| Net loans and leases to deposits | 51.1437% | 3,750 |
| Net loans and leases to core deposits | 53.6904% | 3,710 |
| Total domestic deposits to total assets | 91.6276% | 990 |
| Equity capital to assets | 8.3133% | 2,896 |
| Core capital (leverage) ratio | 8.8667% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5929% | 769 |
| Memoranda: | ||
| Average total assets | $543,347,667 | 1,645 |
| Average earning assets | $529,180,667 | 1,587 |
| Average equity | $45,126,000 | 1,825 |
| Average total loans | $254,613,000 | 1,926 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6618% | 4,007 |
| Cost of funding earning assets | 0.1401% | 3,632 |
| Net interest margin | 2.5217% | 3,860 |
| Noninterest income to average assets | 0.2184% | 3,849 |
| Noninterest expense to average assets | 2.0836% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4387% | 3,877 |
| Return on assets (ROA) | 0.4457% | 3,820 |
| Pretax return on assets | 0.6035% | 3,623 |
| Return on Equity (ROE) | 5.3685% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.3685% | 2,456 |
| Net charge-offs to loans | -0.0298% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7960% | 1,332 |
| Assets per employee ($millions) | 8.1486% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,813 |
| Loan loss allowance to noncurrent loans | 75.4109% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8825% | 611 |
| Noncurrent loans to loans | 1.8914% | 396 |
| Net loans and leases to total assets | 45.9913% | 3,579 |
| Net loans and leases to deposits | 50.2339% | 3,716 |
| Net loans and leases to core deposits | 53.0559% | 3,658 |
| Total domestic deposits to total assets | 91.5545% | 775 |
| Equity capital to assets | 8.3524% | 3,281 |
| Core capital (leverage) ratio | 8.5247% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7676% | 791 |
| Memoranda: | ||
| Average total assets | $547,512,000 | 1,640 |
| Average earning assets | $534,077,000 | 1,575 |
| Average equity | $45,450,000 | 1,869 |
| Average total loans | $254,770,500 | 1,913 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4219% | 4,529 |
| Cost of funding earning assets | 0.2548% | 2,867 |
| Net interest margin | 2.1671% | 4,504 |
| Noninterest income to average assets | 0.3235% | 3,469 |
| Noninterest expense to average assets | 2.1042% | 3,377 |
| Loan and lease loss provision to assets | 0.0254% | 2,553 |
| Net operating income to assets | 0.2329% | 4,502 |
| Return on assets (ROA) | 0.2314% | 4,517 |
| Pretax return on assets | 0.3007% | 4,494 |
| Return on Equity (ROE) | 2.6739% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.6739% | 3,772 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5149% | 443 |
| Assets per employee ($millions) | 8.4426% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 2,017 |
| Loan loss allowance to noncurrent loans | 49.3896% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 360 |
| Noncurrent loans to loans | 2.7871% | 226 |
| Net loans and leases to total assets | 45.7734% | 3,711 |
| Net loans and leases to deposits | 49.9284% | 3,888 |
| Net loans and leases to core deposits | 52.5054% | 3,856 |
| Total domestic deposits to total assets | 91.6782% | 271 |
| Equity capital to assets | 8.2518% | 4,206 |
| Core capital (leverage) ratio | 8.1853% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,135,600 | 1,619 |
| Average earning assets | $516,829,400 | 1,555 |
| Average equity | $45,963,000 | 1,895 |
| Average total loans | $270,919,800 | 1,831 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5035% | 4,566 |
| Cost of funding earning assets | 0.2894% | 2,694 |
| Net interest margin | 2.2141% | 4,558 |
| Noninterest income to average assets | 0.3558% | 3,323 |
| Noninterest expense to average assets | 2.1366% | 3,262 |
| Loan and lease loss provision to assets | 0.0343% | 2,311 |
| Net operating income to assets | 0.2593% | 4,568 |
| Return on assets (ROA) | 0.2575% | 4,594 |
| Pretax return on assets | 0.3350% | 4,562 |
| Return on Equity (ROE) | 2.9388% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.9388% | 3,927 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1859% | 465 |
| Assets per employee ($millions) | 8.0007% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,307 |
| Loan loss allowance to noncurrent loans | 48.2516% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2988% | 438 |
| Noncurrent loans to loans | 2.7678% | 249 |
| Net loans and leases to total assets | 46.3004% | 3,767 |
| Net loans and leases to deposits | 50.4376% | 3,990 |
| Net loans and leases to core deposits | 53.2659% | 3,967 |
| Total domestic deposits to total assets | 91.7974% | 164 |
| Equity capital to assets | 8.1354% | 4,448 |
| Core capital (leverage) ratio | 8.2848% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $524,616,000 | 1,646 |
| Average earning assets | $509,989,500 | 1,584 |
| Average equity | $45,958,750 | 1,915 |
| Average total loans | $273,995,750 | 1,850 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5249% | 4,599 |
| Cost of funding earning assets | 0.3335% | 2,458 |
| Net interest margin | 2.1913% | 4,606 |
| Noninterest income to average assets | 0.3854% | 3,190 |
| Noninterest expense to average assets | 2.1406% | 3,268 |
| Loan and lease loss provision to assets | 0.0490% | 2,050 |
| Net operating income to assets | 0.2513% | 4,580 |
| Return on assets (ROA) | 0.2540% | 4,595 |
| Pretax return on assets | 0.3270% | 4,563 |
| Return on Equity (ROE) | 2.8251% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.8251% | 3,897 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1794% | 505 |
| Assets per employee ($millions) | 7.6457% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,483 |
| Loan loss allowance to noncurrent loans | 46.5574% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 417 |
| Noncurrent loans to loans | 2.7726% | 277 |
| Net loans and leases to total assets | 50.7214% | 3,484 |
| Net loans and leases to deposits | 55.8813% | 3,718 |
| Net loans and leases to core deposits | 59.5164% | 3,657 |
| Total domestic deposits to total assets | 90.7663% | 451 |
| Equity capital to assets | 8.5997% | 4,131 |
| Core capital (leverage) ratio | 8.8452% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,137,667 | 1,675 |
| Average earning assets | $495,311,667 | 1,616 |
| Average equity | $45,874,000 | 1,902 |
| Average total loans | $276,471,000 | 1,850 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6831% | 4,497 |
| Cost of funding earning assets | 0.3780% | 2,284 |
| Net interest margin | 2.3051% | 4,517 |
| Noninterest income to average assets | 0.4566% | 2,802 |
| Noninterest expense to average assets | 2.1591% | 3,239 |
| Loan and lease loss provision to assets | 0.0603% | 1,915 |
| Net operating income to assets | 0.3545% | 4,440 |
| Return on assets (ROA) | 0.3545% | 4,469 |
| Pretax return on assets | 0.4727% | 4,388 |
| Return on Equity (ROE) | 3.8517% | 4,316 |
| Retained earnings to average equity (ytd only) | 3.8517% | 3,546 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2030% | 808 |
| Assets per employee ($millions) | 7.4244% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,797 |
| Loan loss allowance to noncurrent loans | 43.3061% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5776% | 380 |
| Noncurrent loans to loans | 2.8254% | 292 |
| Net loans and leases to total assets | 55.1542% | 3,132 |
| Net loans and leases to deposits | 61.0154% | 3,409 |
| Net loans and leases to core deposits | 65.0904% | 3,311 |
| Total domestic deposits to total assets | 90.3938% | 618 |
| Equity capital to assets | 8.9388% | 3,742 |
| Core capital (leverage) ratio | 9.2569% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,605,500 | 1,704 |
| Average earning assets | $482,573,000 | 1,641 |
| Average equity | $45,798,000 | 1,891 |
| Average total loans | $277,200,500 | 1,848 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2645% | 4,373 |
| Cost of funding earning assets | 0.5795% | 2,451 |
| Net interest margin | 2.6851% | 4,398 |
| Noninterest income to average assets | 0.4533% | 2,855 |
| Noninterest expense to average assets | 2.5699% | 2,638 |
| Loan and lease loss provision to assets | 0.0672% | 3,540 |
| Net operating income to assets | 0.3107% | 4,419 |
| Return on assets (ROA) | 0.3219% | 4,464 |
| Pretax return on assets | 0.4160% | 4,396 |
| Return on Equity (ROE) | 3.0971% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.0971% | 3,296 |
| Net charge-offs to loans | 0.0179% | 2,727 |
| Credit loss provision to net charge-offs | 568.6275% | 1,149 |
| Earnings coverage of net charge-offs (x) | 39.6863% | 1,398 |
| Efficiency ratio | 84.5661% | 593 |
| Assets per employee ($millions) | 6.8989% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,537 |
| Loan loss allowance to noncurrent loans | 35.8301% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.9794% | 286 |
| Noncurrent loans to loans | 3.5621% | 191 |
| Net loans and leases to total assets | 54.8592% | 3,403 |
| Net loans and leases to deposits | 61.1313% | 3,670 |
| Net loans and leases to core deposits | 65.6927% | 3,565 |
| Total domestic deposits to total assets | 89.7400% | 660 |
| Equity capital to assets | 9.4847% | 3,631 |
| Core capital (leverage) ratio | 9.4975% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,527,000 | 1,761 |
| Average earning assets | $415,559,800 | 1,716 |
| Average equity | $44,849,000 | 1,855 |
| Average total loans | $284,561,600 | 1,745 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 4,295 |
| Cost of funding earning assets | 0.6337% | 2,412 |
| Net interest margin | 2.8113% | 4,327 |
| Noninterest income to average assets | 0.3618% | 3,296 |
| Noninterest expense to average assets | 2.5725% | 2,618 |
| Loan and lease loss provision to assets | 0.0717% | 3,426 |
| Net operating income to assets | 0.3266% | 4,398 |
| Return on assets (ROA) | 0.3369% | 4,437 |
| Pretax return on assets | 0.4347% | 4,397 |
| Return on Equity (ROE) | 3.1621% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.1621% | 3,447 |
| Net charge-offs to loans | 0.0236% | 2,373 |
| Credit loss provision to net charge-offs | 441.1765% | 1,381 |
| Earnings coverage of net charge-offs (x) | 30.3725% | 1,567 |
| Efficiency ratio | 83.9098% | 607 |
| Assets per employee ($millions) | 6.6482% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,765 |
| Loan loss allowance to noncurrent loans | 36.6013% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 350 |
| Noncurrent loans to loans | 3.2287% | 270 |
| Net loans and leases to total assets | 59.5229% | 3,279 |
| Net loans and leases to deposits | 66.3931% | 3,589 |
| Net loans and leases to core deposits | 71.3224% | 3,532 |
| Total domestic deposits to total assets | 89.6522% | 535 |
| Equity capital to assets | 9.6402% | 3,563 |
| Core capital (leverage) ratio | 9.7202% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,677,500 | 1,779 |
| Average earning assets | $402,700,000 | 1,734 |
| Average equity | $44,610,250 | 1,852 |
| Average total loans | $288,613,500 | 1,728 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 4,150 |
| Cost of funding earning assets | 0.6935% | 2,429 |
| Net interest margin | 2.9710% | 4,187 |
| Noninterest income to average assets | 0.3218% | 3,536 |
| Noninterest expense to average assets | 2.7179% | 2,327 |
| Loan and lease loss provision to assets | 0.0748% | 3,357 |
| Net operating income to assets | 0.2991% | 4,426 |
| Return on assets (ROA) | 0.3093% | 4,448 |
| Pretax return on assets | 0.3931% | 4,423 |
| Return on Equity (ROE) | 2.7983% | 4,386 |
| Retained earnings to average equity (ytd only) | 2.7983% | 3,457 |
| Net charge-offs to loans | 0.0124% | 2,521 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 1,094 |
| Efficiency ratio | 85.6604% | 556 |
| Assets per employee ($millions) | 6.2240% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 2,978 |
| Loan loss allowance to noncurrent loans | 29.2438% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.5675% | 214 |
| Noncurrent loans to loans | 3.8083% | 189 |
| Net loans and leases to total assets | 66.6679% | 2,541 |
| Net loans and leases to deposits | 77.8252% | 2,679 |
| Net loans and leases to core deposits | 85.4466% | 2,488 |
| Total domestic deposits to total assets | 85.6636% | 2,138 |
| Equity capital to assets | 10.2244% | 2,983 |
| Core capital (leverage) ratio | 10.8234% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,896,000 | 1,813 |
| Average earning assets | $384,718,000 | 1,770 |
| Average equity | $44,312,333 | 1,849 |
| Average total loans | $290,044,333 | 1,711 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 3,721 |
| Cost of funding earning assets | 0.7362% | 2,750 |
| Net interest margin | 3.2882% | 3,618 |
| Noninterest income to average assets | 0.2755% | 3,877 |
| Noninterest expense to average assets | 2.7445% | 2,596 |
| Loan and lease loss provision to assets | 0.0789% | 2,729 |
| Net operating income to assets | 0.4628% | 3,986 |
| Return on assets (ROA) | 0.4711% | 4,021 |
| Pretax return on assets | 0.6141% | 3,897 |
| Return on Equity (ROE) | 4.0841% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.0841% | 2,649 |
| Net charge-offs to loans | 0.0014% | 2,546 |
| Credit loss provision to net charge-offs | 7,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 649.0000% | 93 |
| Efficiency ratio | 80.0859% | 1,131 |
| Assets per employee ($millions) | 5.3967% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,992 |
| Loan loss allowance to noncurrent loans | 39.6932% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.1435% | 357 |
| Noncurrent loans to loans | 2.8707% | 384 |
| Net loans and leases to total assets | 73.8172% | 1,641 |
| Net loans and leases to deposits | 85.4944% | 2,060 |
| Net loans and leases to core deposits | 94.2989% | 1,944 |
| Total domestic deposits to total assets | 86.3416% | 1,856 |
| Equity capital to assets | 11.4784% | 2,452 |
| Core capital (leverage) ratio | 11.7362% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,392,000 | 1,842 |
| Average earning assets | $364,573,000 | 1,796 |
| Average equity | $43,877,500 | 1,852 |
| Average total loans | $286,103,500 | 1,687 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 4,113 |
| Cost of funding earning assets | 0.6938% | 3,189 |
| Net interest margin | 3.3726% | 3,816 |
| Noninterest income to average assets | 0.2956% | 3,914 |
| Noninterest expense to average assets | 2.7637% | 2,710 |
| Loan and lease loss provision to assets | 0.0339% | 3,333 |
| Net operating income to assets | 0.5375% | 4,317 |
| Return on assets (ROA) | 0.5375% | 4,368 |
| Pretax return on assets | 0.7123% | 4,182 |
| Return on Equity (ROE) | 4.8681% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.8681% | 2,489 |
| Net charge-offs to loans | 0.0042% | 3,532 |
| Credit loss provision to net charge-offs | 1,083.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 238.7500% | 347 |
| Efficiency ratio | 78.7416% | 1,059 |
| Assets per employee ($millions) | 5.6361% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 2,867 |
| Loan loss allowance to noncurrent loans | 39.5236% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.1347% | 357 |
| Noncurrent loans to loans | 2.8175% | 353 |
| Net loans and leases to total assets | 74.9219% | 1,602 |
| Net loans and leases to deposits | 85.6130% | 2,142 |
| Net loans and leases to core deposits | 93.5576% | 2,110 |
| Total domestic deposits to total assets | 87.5123% | 1,360 |
| Equity capital to assets | 11.5921% | 2,438 |
| Core capital (leverage) ratio | 11.2993% | 2,254 |
| Tier 1 risk-based capital ratio | 16.7428% | 2,140 |
| Total risk-based capital ratio | 17.9769% | 2,078 |
| Memoranda: | ||
| Average total assets | $383,981,800 | 1,788 |
| Average earning assets | $365,948,600 | 1,759 |
| Average equity | $42,398,200 | 1,841 |
| Average total loans | $287,272,200 | 1,658 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 4,241 |
| Cost of funding earning assets | 0.6809% | 3,304 |
| Net interest margin | 3.3759% | 3,928 |
| Noninterest income to average assets | 0.2867% | 4,015 |
| Noninterest expense to average assets | 2.7685% | 2,656 |
| Loan and lease loss provision to assets | 0.0450% | 3,009 |
| Net operating income to assets | 0.5188% | 4,470 |
| Return on assets (ROA) | 0.5166% | 4,532 |
| Pretax return on assets | 0.6854% | 4,379 |
| Return on Equity (ROE) | 4.7366% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.7366% | 3,032 |
| Net charge-offs to loans | 0.0056% | 3,194 |
| Credit loss provision to net charge-offs | 1,083.3333% | 324 |
| Earnings coverage of net charge-offs (x) | 176.6625% | 482 |
| Efficiency ratio | 79.0638% | 1,006 |
| Assets per employee ($millions) | 5.9070% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 2,972 |
| Loan loss allowance to noncurrent loans | 47.3543% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 616 |
| Noncurrent loans to loans | 2.3459% | 520 |
| Net loans and leases to total assets | 70.6079% | 2,387 |
| Net loans and leases to deposits | 79.8527% | 2,915 |
| Net loans and leases to core deposits | 86.2796% | 2,886 |
| Total domestic deposits to total assets | 88.4227% | 857 |
| Equity capital to assets | 10.7483% | 3,334 |
| Core capital (leverage) ratio | 10.8512% | 2,785 |
| Tier 1 risk-based capital ratio | 16.8175% | 2,143 |
| Total risk-based capital ratio | 18.0675% | 2,093 |
| Memoranda: | ||
| Average total assets | $385,572,250 | 1,794 |
| Average earning assets | $367,179,250 | 1,771 |
| Average equity | $42,054,250 | 1,858 |
| Average total loans | $287,563,750 | 1,667 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 4,304 |
| Cost of funding earning assets | 0.6545% | 3,388 |
| Net interest margin | 3.3824% | 3,948 |
| Noninterest income to average assets | 0.2472% | 4,271 |
| Noninterest expense to average assets | 2.8285% | 2,490 |
| Loan and lease loss provision to assets | 0.0526% | 2,768 |
| Net operating income to assets | 0.4459% | 4,649 |
| Return on assets (ROA) | 0.4434% | 4,679 |
| Pretax return on assets | 0.5871% | 4,568 |
| Return on Equity (ROE) | 4.0450% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,221 |
| Net charge-offs to loans | 0.0083% | 2,845 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 101.8333% | 688 |
| Efficiency ratio | 81.4820% | 840 |
| Assets per employee ($millions) | 5.5154% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,126 |
| Loan loss allowance to noncurrent loans | 37.8055% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 386 |
| Noncurrent loans to loans | 2.8811% | 366 |
| Net loans and leases to total assets | 75.3082% | 1,668 |
| Net loans and leases to deposits | 87.9839% | 2,013 |
| Net loans and leases to core deposits | 95.9850% | 2,072 |
| Total domestic deposits to total assets | 85.5932% | 2,227 |
| Equity capital to assets | 11.1482% | 2,908 |
| Core capital (leverage) ratio | 11.2695% | 2,359 |
| Tier 1 risk-based capital ratio | 16.0147% | 2,405 |
| Total risk-based capital ratio | 17.2177% | 2,371 |
| Memoranda: | ||
| Average total assets | $380,205,330 | 1,826 |
| Average earning assets | $362,410,330 | 1,789 |
| Average equity | $41,681,330 | 1,867 |
| Average total loans | $287,818,670 | 1,670 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 4,335 |
| Cost of funding earning assets | 0.6074% | 3,529 |
| Net interest margin | 3.4087% | 3,868 |
| Noninterest income to average assets | 0.2358% | 4,326 |
| Noninterest expense to average assets | 2.6956% | 2,919 |
| Loan and lease loss provision to assets | 0.0579% | 2,502 |
| Net operating income to assets | 0.5454% | 4,393 |
| Return on assets (ROA) | 0.5421% | 4,428 |
| Pretax return on assets | 0.7326% | 4,218 |
| Return on Equity (ROE) | 4.9868% | 4,329 |
| Retained earnings to average equity (ytd only) | 4.9868% | 2,913 |
| Net charge-offs to loans | 0.0181% | 2,109 |
| Credit loss provision to net charge-offs | 423.0769% | 672 |
| Earnings coverage of net charge-offs (x) | 58.0769% | 928 |
| Efficiency ratio | 77.2316% | 1,358 |
| Assets per employee ($millions) | 5.3641% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,238 |
| Loan loss allowance to noncurrent loans | 39.2479% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.1103% | 435 |
| Noncurrent loans to loans | 2.7512% | 432 |
| Net loans and leases to total assets | 75.8775% | 1,507 |
| Net loans and leases to deposits | 88.6633% | 1,782 |
| Net loans and leases to core deposits | 95.6035% | 1,967 |
| Total domestic deposits to total assets | 85.5794% | 2,452 |
| Equity capital to assets | 11.1272% | 2,724 |
| Core capital (leverage) ratio | 11.0769% | 2,506 |
| Tier 1 risk-based capital ratio | 15.7726% | 2,539 |
| Total risk-based capital ratio | 16.9494% | 2,489 |
| Memoranda: | ||
| Average total assets | $380,026,000 | 1,838 |
| Average earning assets | $362,840,000 | 1,800 |
| Average equity | $41,309,000 | 1,881 |
| Average total loans | $286,852,000 | 1,684 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,559 |
| Cost of funding earning assets | 0.5030% | 3,328 |
| Net interest margin | 3.2648% | 4,349 |
| Noninterest income to average assets | 0.2816% | 4,214 |
| Noninterest expense to average assets | 2.7294% | 2,933 |
| Loan and lease loss provision to assets | 0.0653% | 2,845 |
| Net operating income to assets | 0.4430% | 4,782 |
| Return on assets (ROA) | 0.4716% | 4,725 |
| Pretax return on assets | 0.6275% | 4,580 |
| Return on Equity (ROE) | 4.4378% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.4378% | 3,090 |
| Net charge-offs to loans | -0.0026% | 4,262 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6106% | 905 |
| Assets per employee ($millions) | 5.5734% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,247 |
| Loan loss allowance to noncurrent loans | 37.3100% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.1382% | 424 |
| Noncurrent loans to loans | 2.8783% | 369 |
| Net loans and leases to total assets | 73.4897% | 2,013 |
| Net loans and leases to deposits | 85.2903% | 2,377 |
| Net loans and leases to core deposits | 91.4672% | 2,455 |
| Total domestic deposits to total assets | 86.1642% | 2,150 |
| Equity capital to assets | 10.6189% | 3,061 |
| Core capital (leverage) ratio | 10.5974% | 2,931 |
| Tier 1 risk-based capital ratio | 15.5016% | 2,620 |
| Total risk-based capital ratio | 16.6569% | 2,581 |
| Memoranda: | ||
| Average total assets | $375,323,400 | 1,811 |
| Average earning assets | $356,865,200 | 1,780 |
| Average equity | $39,885,000 | 1,870 |
| Average total loans | $271,565,400 | 1,719 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 4,640 |
| Cost of funding earning assets | 0.4771% | 3,348 |
| Net interest margin | 3.2277% | 4,459 |
| Noninterest income to average assets | 0.2888% | 4,226 |
| Noninterest expense to average assets | 2.7305% | 2,875 |
| Loan and lease loss provision to assets | 0.0608% | 2,765 |
| Net operating income to assets | 0.4263% | 4,903 |
| Return on assets (ROA) | 0.4690% | 4,830 |
| Pretax return on assets | 0.6223% | 4,691 |
| Return on Equity (ROE) | 4.4122% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.4122% | 3,550 |
| Net charge-offs to loans | -0.0030% | 4,136 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2746% | 834 |
| Assets per employee ($millions) | 5.8362% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,358 |
| Loan loss allowance to noncurrent loans | 38.1146% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9493% | 551 |
| Noncurrent loans to loans | 2.8045% | 422 |
| Net loans and leases to total assets | 68.7646% | 2,825 |
| Net loans and leases to deposits | 79.5255% | 3,086 |
| Net loans and leases to core deposits | 84.3816% | 3,128 |
| Total domestic deposits to total assets | 86.4686% | 1,982 |
| Equity capital to assets | 9.9707% | 3,676 |
| Core capital (leverage) ratio | 10.1924% | 3,419 |
| Tier 1 risk-based capital ratio | 15.2348% | 2,766 |
| Total risk-based capital ratio | 16.3547% | 2,760 |
| Memoranda: | ||
| Average total assets | $373,012,250 | 1,829 |
| Average earning assets | $354,878,750 | 1,794 |
| Average equity | $39,647,000 | 1,878 |
| Average total loans | $268,035,250 | 1,742 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,677 |
| Cost of funding earning assets | 0.4249% | 3,539 |
| Net interest margin | 3.2310% | 4,434 |
| Noninterest income to average assets | 0.2666% | 4,401 |
| Noninterest expense to average assets | 2.8470% | 2,513 |
| Loan and lease loss provision to assets | 0.0523% | 2,869 |
| Net operating income to assets | 0.3307% | 5,077 |
| Return on assets (ROA) | 0.3977% | 4,970 |
| Pretax return on assets | 0.5177% | 4,871 |
| Return on Equity (ROE) | 3.6577% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.6577% | 3,768 |
| Net charge-offs to loans | -0.0030% | 4,012 |
| Credit loss provision to net charge-offs | -2,375.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4380% | 602 |
| Assets per employee ($millions) | 5.3630% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,565 |
| Loan loss allowance to noncurrent loans | 34.9060% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1932% | 453 |
| Noncurrent loans to loans | 2.9904% | 382 |
| Net loans and leases to total assets | 72.5764% | 2,184 |
| Net loans and leases to deposits | 87.2385% | 2,188 |
| Net loans and leases to core deposits | 91.8445% | 2,417 |
| Total domestic deposits to total assets | 83.1930% | 3,351 |
| Equity capital to assets | 10.3879% | 3,221 |
| Core capital (leverage) ratio | 11.0750% | 2,458 |
| Tier 1 risk-based capital ratio | 15.2961% | 2,732 |
| Total risk-based capital ratio | 16.4078% | 2,718 |
| Memoranda: | ||
| Average total assets | $363,116,330 | 1,874 |
| Average earning assets | $344,541,670 | 1,842 |
| Average equity | $39,478,670 | 1,888 |
| Average total loans | $264,078,000 | 1,770 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,669 |
| Cost of funding earning assets | 0.3505% | 3,988 |
| Net interest margin | 3.2663% | 4,278 |
| Noninterest income to average assets | 0.2676% | 4,386 |
| Noninterest expense to average assets | 2.8259% | 2,619 |
| Loan and lease loss provision to assets | 0.0169% | 3,314 |
| Net operating income to assets | 0.3991% | 4,929 |
| Return on assets (ROA) | 0.3929% | 4,946 |
| Pretax return on assets | 0.5205% | 4,843 |
| Return on Equity (ROE) | 3.5293% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.5293% | 3,792 |
| Net charge-offs to loans | -0.0031% | 3,883 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8245% | 811 |
| Assets per employee ($millions) | 5.1387% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,562 |
| Loan loss allowance to noncurrent loans | 35.0315% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2482% | 449 |
| Noncurrent loans to loans | 3.0475% | 389 |
| Net loans and leases to total assets | 72.9857% | 2,027 |
| Net loans and leases to deposits | 86.9560% | 2,055 |
| Net loans and leases to core deposits | 90.4697% | 2,414 |
| Total domestic deposits to total assets | 83.9341% | 3,350 |
| Equity capital to assets | 10.9506% | 2,634 |
| Core capital (leverage) ratio | 11.5049% | 2,007 |
| Tier 1 risk-based capital ratio | 15.5828% | 2,634 |
| Total risk-based capital ratio | 16.7194% | 2,611 |
| Memoranda: | ||
| Average total assets | $354,289,500 | 1,925 |
| Average earning assets | $336,645,500 | 1,893 |
| Average equity | $39,441,000 | 1,893 |
| Average total loans | $256,485,000 | 1,819 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 4,861 |
| Cost of funding earning assets | 0.3250% | 3,914 |
| Net interest margin | 3.1253% | 4,638 |
| Noninterest income to average assets | 0.2900% | 4,390 |
| Noninterest expense to average assets | 2.7519% | 2,950 |
| Loan and lease loss provision to assets | 0.0071% | 4,122 |
| Net operating income to assets | 0.1964% | 5,118 |
| Return on assets (ROA) | 0.2034% | 5,118 |
| Pretax return on assets | 0.5047% | 4,924 |
| Return on Equity (ROE) | 1.8210% | 5,097 |
| Retained earnings to average equity (ytd only) | 1.8210% | 4,225 |
| Net charge-offs to loans | -0.0021% | 4,535 |
| Credit loss provision to net charge-offs | -500.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6040% | 724 |
| Assets per employee ($millions) | 4.9839% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,133 |
| Loan loss allowance to noncurrent loans | 34.6457% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.3298% | 425 |
| Noncurrent loans to loans | 3.2827% | 318 |
| Net loans and leases to total assets | 70.1651% | 2,501 |
| Net loans and leases to deposits | 80.2491% | 2,888 |
| Net loans and leases to core deposits | 82.8531% | 3,163 |
| Total domestic deposits to total assets | 87.4341% | 1,798 |
| Equity capital to assets | 11.3199% | 2,348 |
| Core capital (leverage) ratio | 11.1304% | 2,216 |
| Tier 1 risk-based capital ratio | 16.0410% | 2,424 |
| Total risk-based capital ratio | 17.2332% | 2,378 |
| Memoranda: | ||
| Average total assets | $352,451,800 | 1,906 |
| Average earning assets | $334,108,600 | 1,873 |
| Average equity | $39,373,600 | 1,883 |
| Average total loans | $237,990,000 | 1,885 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,973 |
| Cost of funding earning assets | 0.3229% | 3,913 |
| Net interest margin | 3.0692% | 4,777 |
| Noninterest income to average assets | 0.2890% | 4,462 |
| Noninterest expense to average assets | 2.7251% | 2,982 |
| Loan and lease loss provision to assets | 0.0038% | 4,040 |
| Net operating income to assets | 0.3131% | 5,196 |
| Return on assets (ROA) | 0.3222% | 5,201 |
| Pretax return on assets | 0.4822% | 5,067 |
| Return on Equity (ROE) | 2.8941% | 5,134 |
| Retained earnings to average equity (ytd only) | 2.8941% | 4,178 |
| Net charge-offs to loans | -0.0028% | 4,359 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2254% | 670 |
| Assets per employee ($millions) | 5.5679% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 3,106 |
| Loan loss allowance to noncurrent loans | 30.1507% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.4903% | 432 |
| Noncurrent loans to loans | 3.8721% | 262 |
| Net loans and leases to total assets | 63.5626% | 3,479 |
| Net loans and leases to deposits | 72.1138% | 3,757 |
| Net loans and leases to core deposits | 74.2593% | 3,953 |
| Total domestic deposits to total assets | 88.1421% | 1,285 |
| Equity capital to assets | 10.6792% | 3,185 |
| Core capital (leverage) ratio | 11.0081% | 2,453 |
| Tier 1 risk-based capital ratio | 15.4852% | 2,709 |
| Total risk-based capital ratio | 16.6190% | 2,704 |
| Memoranda: | ||
| Average total assets | $353,346,500 | 1,909 |
| Average earning assets | $334,847,250 | 1,879 |
| Average equity | $39,344,000 | 1,900 |
| Average total loans | $235,586,750 | 1,911 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3556% | 5,026 |
| Cost of funding earning assets | 0.3162% | 3,920 |
| Net interest margin | 3.0394% | 4,818 |
| Noninterest income to average assets | 0.2665% | 4,632 |
| Noninterest expense to average assets | 2.7672% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2595% | 5,306 |
| Return on assets (ROA) | 0.2670% | 5,313 |
| Pretax return on assets | 0.3876% | 5,190 |
| Return on Equity (ROE) | 2.3635% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.3635% | 4,262 |
| Net charge-offs to loans | -0.0026% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0205% | 545 |
| Assets per employee ($millions) | 5.1849% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 3,254 |
| Loan loss allowance to noncurrent loans | 29.6167% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.6709% | 381 |
| Noncurrent loans to loans | 3.9130% | 254 |
| Net loans and leases to total assets | 67.4674% | 2,883 |
| Net loans and leases to deposits | 79.6190% | 2,951 |
| Net loans and leases to core deposits | 82.0127% | 3,248 |
| Total domestic deposits to total assets | 84.7379% | 2,915 |
| Equity capital to assets | 11.1912% | 2,605 |
| Core capital (leverage) ratio | 11.5162% | 1,959 |
| Tier 1 risk-based capital ratio | 15.3149% | 2,794 |
| Total risk-based capital ratio | 16.4371% | 2,784 |
| Memoranda: | ||
| Average total assets | $346,778,330 | 1,941 |
| Average earning assets | $328,287,000 | 1,915 |
| Average equity | $39,179,000 | 1,907 |
| Average total loans | $234,141,670 | 1,925 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 5,031 |
| Cost of funding earning assets | 0.3019% | 4,021 |
| Net interest margin | 3.0474% | 4,791 |
| Noninterest income to average assets | 0.2466% | 4,769 |
| Noninterest expense to average assets | 2.6846% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3052% | 5,181 |
| Return on assets (ROA) | 0.3036% | 5,205 |
| Pretax return on assets | 0.4478% | 5,065 |
| Return on Equity (ROE) | 2.6742% | 5,185 |
| Retained earnings to average equity (ytd only) | 2.6742% | 4,070 |
| Net charge-offs to loans | -0.0017% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6401% | 830 |
| Assets per employee ($millions) | 4.9503% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 3,189 |
| Loan loss allowance to noncurrent loans | 29.6395% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.7529% | 390 |
| Noncurrent loans to loans | 4.0188% | 254 |
| Net loans and leases to total assets | 67.6838% | 2,727 |
| Net loans and leases to deposits | 77.8414% | 2,993 |
| Net loans and leases to core deposits | 80.1126% | 3,285 |
| Total domestic deposits to total assets | 86.9509% | 2,243 |
| Equity capital to assets | 11.4848% | 2,192 |
| Core capital (leverage) ratio | 11.5472% | 1,911 |
| Tier 1 risk-based capital ratio | 15.6610% | 2,685 |
| Total risk-based capital ratio | 16.8042% | 2,661 |
| Memoranda: | ||
| Average total assets | $343,881,000 | 1,969 |
| Average earning assets | $325,914,500 | 1,934 |
| Average equity | $39,040,000 | 1,914 |
| Average total loans | $230,882,000 | 1,953 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2903% | 5,170 |
| Cost of funding earning assets | 0.3050% | 4,012 |
| Net interest margin | 2.9853% | 4,991 |
| Noninterest income to average assets | 0.2697% | 4,799 |
| Noninterest expense to average assets | 2.9212% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1214% | 5,538 |
| Return on assets (ROA) | 0.2455% | 5,401 |
| Pretax return on assets | 0.3564% | 5,287 |
| Return on Equity (ROE) | 2.1932% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.1932% | 4,283 |
| Net charge-offs to loans | -0.0009% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2993% | 370 |
| Assets per employee ($millions) | 4.9456% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,983 |
| Loan loss allowance to noncurrent loans | 29.6257% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.7164% | 421 |
| Noncurrent loans to loans | 4.1284% | 240 |
| Net loans and leases to total assets | 64.9938% | 3,217 |
| Net loans and leases to deposits | 73.2882% | 3,586 |
| Net loans and leases to core deposits | 75.4119% | 3,802 |
| Total domestic deposits to total assets | 88.6825% | 1,278 |
| Equity capital to assets | 11.2225% | 2,394 |
| Core capital (leverage) ratio | 10.9831% | 2,358 |
| Tier 1 risk-based capital ratio | 15.7569% | 2,648 |
| Total risk-based capital ratio | 16.9085% | 2,609 |
| Memoranda: | ||
| Average total assets | $347,116,000 | 1,915 |
| Average earning assets | $328,841,000 | 1,875 |
| Average equity | $38,847,000 | 1,887 |
| Average total loans | $225,740,800 | 1,939 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 5,225 |
| Cost of funding earning assets | 0.3039% | 4,056 |
| Net interest margin | 2.9876% | 5,036 |
| Noninterest income to average assets | 0.2683% | 4,852 |
| Noninterest expense to average assets | 2.9825% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0794% | 5,648 |
| Return on assets (ROA) | 0.2391% | 5,474 |
| Pretax return on assets | 0.3478% | 5,380 |
| Return on Equity (ROE) | 2.1383% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.1383% | 4,621 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2467% | 307 |
| Assets per employee ($millions) | 5.4417% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 3,078 |
| Loan loss allowance to noncurrent loans | 25.4898% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.9516% | 398 |
| Noncurrent loans to loans | 4.8165% | 185 |
| Net loans and leases to total assets | 60.5285% | 3,811 |
| Net loans and leases to deposits | 67.7576% | 4,172 |
| Net loans and leases to core deposits | 69.4999% | 4,365 |
| Total domestic deposits to total assets | 89.3310% | 748 |
| Equity capital to assets | 10.5601% | 3,502 |
| Core capital (leverage) ratio | 10.7800% | 2,704 |
| Tier 1 risk-based capital ratio | 15.4227% | 2,864 |
| Total risk-based capital ratio | 16.5486% | 2,849 |
| Memoranda: | ||
| Average total assets | $347,347,500 | 1,916 |
| Average earning assets | $329,089,000 | 1,880 |
| Average equity | $38,846,000 | 1,899 |
| Average total loans | $225,229,000 | 1,949 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 5,239 |
| Cost of funding earning assets | 0.3043% | 4,076 |
| Net interest margin | 3.0211% | 5,036 |
| Noninterest income to average assets | 0.2413% | 5,040 |
| Noninterest expense to average assets | 3.1455% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0293% | 5,781 |
| Return on assets (ROA) | 0.1572% | 5,649 |
| Pretax return on assets | 0.2184% | 5,598 |
| Return on Equity (ROE) | 1.3774% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.3774% | 4,832 |
| Net charge-offs to loans | 0.0009% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -69.0000% | 3,676 |
| Efficiency ratio | 101.3081% | 223 |
| Assets per employee ($millions) | 5.3572% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 3,344 |
| Loan loss allowance to noncurrent loans | 25.2038% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 3.2206% | 367 |
| Noncurrent loans to loans | 4.7723% | 196 |
| Net loans and leases to total assets | 66.6721% | 2,986 |
| Net loans and leases to deposits | 77.3480% | 3,228 |
| Net loans and leases to core deposits | 79.5537% | 3,506 |
| Total domestic deposits to total assets | 86.1976% | 2,329 |
| Equity capital to assets | 11.3632% | 2,683 |
| Core capital (leverage) ratio | 11.5338% | 1,966 |
| Tier 1 risk-based capital ratio | 15.3391% | 2,928 |
| Total risk-based capital ratio | 16.4969% | 2,901 |
| Memoranda: | ||
| Average total assets | $339,785,330 | 1,961 |
| Average earning assets | $322,069,330 | 1,920 |
| Average equity | $38,769,330 | 1,905 |
| Average total loans | $224,718,670 | 1,956 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 5,305 |
| Cost of funding earning assets | 0.3028% | 4,132 |
| Net interest margin | 3.0054% | 5,111 |
| Noninterest income to average assets | 0.2401% | 5,022 |
| Noninterest expense to average assets | 2.7755% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1973% | 5,528 |
| Return on assets (ROA) | 0.2223% | 5,547 |
| Pretax return on assets | 0.3560% | 5,388 |
| Return on Equity (ROE) | 1.9445% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.9445% | 4,478 |
| Net charge-offs to loans | 0.0054% | 2,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 89.3333% | 583 |
| Efficiency ratio | 89.7514% | 685 |
| Assets per employee ($millions) | 5.3862% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 3,207 |
| Loan loss allowance to noncurrent loans | 24.1364% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.4503% | 330 |
| Noncurrent loans to loans | 5.1697% | 181 |
| Net loans and leases to total assets | 65.9070% | 2,968 |
| Net loans and leases to deposits | 74.7142% | 3,346 |
| Net loans and leases to core deposits | 76.6698% | 3,616 |
| Total domestic deposits to total assets | 88.2121% | 1,525 |
| Equity capital to assets | 11.6579% | 2,279 |
| Core capital (leverage) ratio | 11.5545% | 1,939 |
| Tier 1 risk-based capital ratio | 15.5742% | 2,876 |
| Total risk-based capital ratio | 16.8082% | 2,818 |
| Memoranda: | ||
| Average total assets | $338,248,000 | 1,977 |
| Average earning assets | $321,018,500 | 1,930 |
| Average equity | $38,674,000 | 1,905 |
| Average total loans | $221,390,500 | 1,972 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 5,383 |
| Cost of funding earning assets | 0.2994% | 4,254 |
| Net interest margin | 2.9776% | 5,189 |
| Noninterest income to average assets | 0.2689% | 4,945 |
| Noninterest expense to average assets | 2.7184% | 3,520 |
| Loan and lease loss provision to assets | 0.0205% | 3,987 |
| Net operating income to assets | 0.2500% | 5,483 |
| Return on assets (ROA) | 0.2542% | 5,542 |
| Pretax return on assets | 0.3683% | 5,384 |
| Return on Equity (ROE) | 2.2682% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.2682% | 4,433 |
| Net charge-offs to loans | -0.0185% | 5,248 |
| Credit loss provision to net charge-offs | -170.7317% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6596% | 855 |
| Assets per employee ($millions) | 5.5250% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 3,080 |
| Loan loss allowance to noncurrent loans | 22.9514% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 3.5411% | 331 |
| Noncurrent loans to loans | 5.5160% | 167 |
| Net loans and leases to total assets | 63.3841% | 3,364 |
| Net loans and leases to deposits | 71.4676% | 3,769 |
| Net loans and leases to core deposits | 73.2833% | 4,013 |
| Total domestic deposits to total assets | 88.6893% | 1,290 |
| Equity capital to assets | 11.2150% | 2,625 |
| Core capital (leverage) ratio | 11.0475% | 2,354 |
| Tier 1 risk-based capital ratio | 15.7675% | 2,795 |
| Total risk-based capital ratio | 17.0328% | 2,729 |
| Memoranda: | ||
| Average total assets | $341,011,000 | 1,919 |
| Average earning assets | $324,355,200 | 1,869 |
| Average equity | $38,223,400 | 1,875 |
| Average total loans | $221,786,000 | 1,915 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2886% | 5,428 |
| Cost of funding earning assets | 0.2974% | 4,370 |
| Net interest margin | 2.9911% | 5,214 |
| Noninterest income to average assets | 0.2740% | 4,979 |
| Noninterest expense to average assets | 2.7126% | 3,519 |
| Loan and lease loss provision to assets | 0.0274% | 3,705 |
| Net operating income to assets | 0.2615% | 5,549 |
| Return on assets (ROA) | 0.2634% | 5,629 |
| Pretax return on assets | 0.3828% | 5,496 |
| Return on Equity (ROE) | 2.3505% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.3505% | 4,707 |
| Net charge-offs to loans | -0.0048% | 4,823 |
| Credit loss provision to net charge-offs | -875.0000% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9402% | 941 |
| Assets per employee ($millions) | 5.5554% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 3,335 |
| Loan loss allowance to noncurrent loans | 21.7299% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 3.5059% | 369 |
| Noncurrent loans to loans | 5.7779% | 149 |
| Net loans and leases to total assets | 59.9167% | 3,890 |
| Net loans and leases to deposits | 67.7727% | 4,213 |
| Net loans and leases to core deposits | 69.1205% | 4,450 |
| Total domestic deposits to total assets | 88.4083% | 1,340 |
| Equity capital to assets | 10.6634% | 3,396 |
| Core capital (leverage) ratio | 10.9166% | 2,576 |
| Tier 1 risk-based capital ratio | 14.5844% | 3,506 |
| Total risk-based capital ratio | 15.7343% | 3,493 |
| Memoranda: | ||
| Average total assets | $340,626,000 | 1,933 |
| Average earning assets | $324,104,250 | 1,879 |
| Average equity | $38,175,000 | 1,893 |
| Average total loans | $222,255,750 | 1,918 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 5,334 |
| Cost of funding earning assets | 0.3001% | 4,396 |
| Net interest margin | 3.0519% | 5,089 |
| Noninterest income to average assets | 0.2528% | 5,142 |
| Noninterest expense to average assets | 2.8358% | 3,113 |
| Loan and lease loss provision to assets | 0.0359% | 3,407 |
| Net operating income to assets | 0.2036% | 5,682 |
| Return on assets (ROA) | 0.2049% | 5,747 |
| Pretax return on assets | 0.2834% | 5,684 |
| Return on Equity (ROE) | 1.7969% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.7969% | 4,801 |
| Net charge-offs to loans | -0.0063% | 4,797 |
| Credit loss provision to net charge-offs | -857.1429% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9297% | 755 |
| Assets per employee ($millions) | 5.3765% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 3,619 |
| Loan loss allowance to noncurrent loans | 25.6795% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 3.2009% | 484 |
| Noncurrent loans to loans | 4.7922% | 257 |
| Net loans and leases to total assets | 65.9713% | 2,953 |
| Net loans and leases to deposits | 76.8190% | 3,177 |
| Net loans and leases to core deposits | 78.3693% | 3,541 |
| Total domestic deposits to total assets | 85.8789% | 2,756 |
| Equity capital to assets | 11.4686% | 2,442 |
| Core capital (leverage) ratio | 11.6649% | 1,868 |
| Tier 1 risk-based capital ratio | 14.9394% | 3,391 |
| Total risk-based capital ratio | 16.1426% | 3,350 |
| Memoranda: | ||
| Average total assets | $333,800,330 | 1,989 |
| Average earning assets | $317,242,000 | 1,933 |
| Average equity | $38,064,670 | 1,909 |
| Average total loans | $223,303,670 | 1,923 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3599% | 5,302 |
| Cost of funding earning assets | 0.2993% | 4,449 |
| Net interest margin | 3.0606% | 5,060 |
| Noninterest income to average assets | 0.2202% | 5,379 |
| Noninterest expense to average assets | 2.7449% | 3,433 |
| Loan and lease loss provision to assets | 0.0359% | 3,182 |
| Net operating income to assets | 0.2476% | 5,570 |
| Return on assets (ROA) | 0.2501% | 5,656 |
| Pretax return on assets | 0.3554% | 5,529 |
| Return on Equity (ROE) | 2.1881% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.1881% | 4,591 |
| Net charge-offs to loans | 0.0072% | 3,087 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 586 |
| Efficiency ratio | 87.6241% | 1,044 |
| Assets per employee ($millions) | 5.3663% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 3,998 |
| Loan loss allowance to noncurrent loans | 29.6138% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 2.7393% | 734 |
| Noncurrent loans to loans | 4.0437% | 432 |
| Net loans and leases to total assets | 66.9325% | 2,618 |
| Net loans and leases to deposits | 76.5632% | 2,984 |
| Net loans and leases to core deposits | 78.2819% | 3,349 |
| Total domestic deposits to total assets | 87.4212% | 2,155 |
| Equity capital to assets | 11.5746% | 2,397 |
| Core capital (leverage) ratio | 11.5360% | 1,972 |
| Tier 1 risk-based capital ratio | 14.4980% | 3,723 |
| Total risk-based capital ratio | 15.6490% | 3,698 |
| Memoranda: | ||
| Average total assets | $334,292,500 | 1,992 |
| Average earning assets | $318,109,000 | 1,936 |
| Average equity | $38,206,000 | 1,919 |
| Average total loans | $223,629,500 | 1,925 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 5,511 |
| Cost of funding earning assets | 0.3165% | 4,616 |
| Net interest margin | 3.0924% | 5,227 |
| Noninterest income to average assets | 0.2613% | 5,266 |
| Noninterest expense to average assets | 2.5855% | 4,274 |
| Loan and lease loss provision to assets | 0.0361% | 3,864 |
| Net operating income to assets | 0.3833% | 5,279 |
| Return on assets (ROA) | 0.3871% | 5,329 |
| Pretax return on assets | 0.5833% | 4,993 |
| Return on Equity (ROE) | 3.4409% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.4409% | 3,763 |
| Net charge-offs to loans | 0.0073% | 4,777 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 127.4375% | 418 |
| Efficiency ratio | 80.8166% | 1,801 |
| Assets per employee ($millions) | 5.4173% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,967 |
| Loan loss allowance to noncurrent loans | 29.6868% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.6808% | 833 |
| Noncurrent loans to loans | 4.0583% | 444 |
| Net loans and leases to total assets | 65.2612% | 3,006 |
| Net loans and leases to deposits | 74.4082% | 3,383 |
| Net loans and leases to core deposits | 75.9810% | 3,712 |
| Total domestic deposits to total assets | 87.7070% | 1,920 |
| Equity capital to assets | 11.2846% | 2,614 |
| Core capital (leverage) ratio | 11.1107% | 2,300 |
| Tier 1 risk-based capital ratio | 15.1559% | 3,412 |
| Total risk-based capital ratio | 16.3693% | 3,376 |
| Memoranda: | ||
| Average total assets | $332,237,600 | 1,951 |
| Average earning assets | $315,641,400 | 1,898 |
| Average equity | $37,374,200 | 1,879 |
| Average total loans | $218,831,800 | 1,908 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4248% | 5,547 |
| Cost of funding earning assets | 0.3204% | 4,668 |
| Net interest margin | 3.1044% | 5,243 |
| Noninterest income to average assets | 0.2644% | 5,319 |
| Noninterest expense to average assets | 2.5678% | 4,295 |
| Loan and lease loss provision to assets | 0.0362% | 3,685 |
| Net operating income to assets | 0.4024% | 5,241 |
| Return on assets (ROA) | 0.4048% | 5,310 |
| Pretax return on assets | 0.6113% | 4,994 |
| Return on Equity (ROE) | 3.6016% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.6016% | 4,086 |
| Net charge-offs to loans | 0.0116% | 4,333 |
| Credit loss provision to net charge-offs | 473.6842% | 598 |
| Earnings coverage of net charge-offs (x) | 84.2195% | 677 |
| Efficiency ratio | 79.9524% | 1,928 |
| Assets per employee ($millions) | 5.6222% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 4,215 |
| Loan loss allowance to noncurrent loans | 29.9625% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.5277% | 1,034 |
| Noncurrent loans to loans | 4.0087% | 528 |
| Net loans and leases to total assets | 62.2974% | 3,440 |
| Net loans and leases to deposits | 71.6407% | 3,720 |
| Net loans and leases to core deposits | 72.9776% | 4,052 |
| Total domestic deposits to total assets | 86.9582% | 2,341 |
| Equity capital to assets | 10.8093% | 3,165 |
| Core capital (leverage) ratio | 10.8522% | 2,631 |
| Tier 1 risk-based capital ratio | 15.1674% | 3,497 |
| Total risk-based capital ratio | 16.3693% | 3,462 |
| Memoranda: | ||
| Average total assets | $331,328,250 | 1,969 |
| Average earning assets | $314,558,500 | 1,914 |
| Average equity | $37,242,250 | 1,894 |
| Average total loans | $218,072,500 | 1,929 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 5,485 |
| Cost of funding earning assets | 0.3257% | 4,692 |
| Net interest margin | 3.1406% | 5,121 |
| Noninterest income to average assets | 0.2334% | 5,527 |
| Noninterest expense to average assets | 2.5438% | 4,442 |
| Loan and lease loss provision to assets | 0.0369% | 3,555 |
| Net operating income to assets | 0.4198% | 5,138 |
| Return on assets (ROA) | 0.4214% | 5,213 |
| Pretax return on assets | 0.6346% | 4,837 |
| Return on Equity (ROE) | 3.6984% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.6984% | 3,837 |
| Net charge-offs to loans | 0.0018% | 4,332 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 544.5000% | 130 |
| Efficiency ratio | 79.1778% | 2,142 |
| Assets per employee ($millions) | 5.3582% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 4,546 |
| Loan loss allowance to noncurrent loans | 29.3094% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 2.6980% | 986 |
| Noncurrent loans to loans | 4.0035% | 591 |
| Net loans and leases to total assets | 66.6005% | 2,655 |
| Net loans and leases to deposits | 79.5298% | 2,581 |
| Net loans and leases to core deposits | 81.2759% | 3,067 |
| Total domestic deposits to total assets | 83.7429% | 4,018 |
| Equity capital to assets | 11.3216% | 2,589 |
| Core capital (leverage) ratio | 11.4896% | 2,007 |
| Tier 1 risk-based capital ratio | 14.8800% | 3,695 |
| Total risk-based capital ratio | 16.0653% | 3,685 |
| Memoranda: | ||
| Average total assets | $325,578,330 | 2,004 |
| Average earning assets | $308,859,670 | 1,953 |
| Average equity | $37,096,670 | 1,894 |
| Average total loans | $217,498,330 | 1,924 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 5,559 |
| Cost of funding earning assets | 0.3295% | 4,740 |
| Net interest margin | 3.1106% | 5,214 |
| Noninterest income to average assets | 0.2284% | 5,526 |
| Noninterest expense to average assets | 2.5321% | 4,511 |
| Loan and lease loss provision to assets | 0.0372% | 3,314 |
| Net operating income to assets | 0.4108% | 5,076 |
| Return on assets (ROA) | 0.4108% | 5,142 |
| Pretax return on assets | 0.6119% | 4,794 |
| Return on Equity (ROE) | 3.5940% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.5940% | 3,975 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5942% | 2,261 |
| Assets per employee ($millions) | 5.3891% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 4,642 |
| Loan loss allowance to noncurrent loans | 26.9746% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 2.9798% | 963 |
| Noncurrent loans to loans | 4.4415% | 551 |
| Net loans and leases to total assets | 66.2856% | 2,515 |
| Net loans and leases to deposits | 77.4000% | 2,640 |
| Net loans and leases to core deposits | 78.9898% | 3,091 |
| Total domestic deposits to total assets | 85.6403% | 3,537 |
| Equity capital to assets | 11.4748% | 2,276 |
| Core capital (leverage) ratio | 11.4674% | 1,986 |
| Tier 1 risk-based capital ratio | 15.0746% | 3,674 |
| Total risk-based capital ratio | 16.2591% | 3,654 |
| Memoranda: | ||
| Average total assets | $322,264,500 | 2,029 |
| Average earning assets | $305,924,500 | 1,977 |
| Average equity | $36,839,500 | 1,901 |
| Average total loans | $214,308,500 | 1,947 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5163% | 5,607 |
| Cost of funding earning assets | 0.3931% | 4,728 |
| Net interest margin | 3.1232% | 5,249 |
| Noninterest income to average assets | 0.6208% | 2,969 |
| Noninterest expense to average assets | 2.6519% | 4,273 |
| Loan and lease loss provision to assets | 0.0420% | 4,274 |
| Net operating income to assets | 0.5730% | 4,395 |
| Return on assets (ROA) | 0.5881% | 4,427 |
| Pretax return on assets | 0.9096% | 3,726 |
| Return on Equity (ROE) | 5.2410% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.2410% | 2,457 |
| Net charge-offs to loans | 0.0155% | 5,136 |
| Credit loss provision to net charge-offs | 421.8750% | 544 |
| Earnings coverage of net charge-offs (x) | 93.2188% | 484 |
| Efficiency ratio | 74.0721% | 3,118 |
| Assets per employee ($millions) | 5.3531% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,588 |
| Loan loss allowance to noncurrent loans | 29.4779% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 2.7134% | 1,230 |
| Noncurrent loans to loans | 4.1169% | 689 |
| Net loans and leases to total assets | 65.1084% | 2,842 |
| Net loans and leases to deposits | 74.6062% | 3,175 |
| Net loans and leases to core deposits | 76.2032% | 3,587 |
| Total domestic deposits to total assets | 87.2694% | 2,592 |
| Equity capital to assets | 11.3878% | 2,247 |
| Core capital (leverage) ratio | 11.1004% | 2,294 |
| Tier 1 risk-based capital ratio | 14.9451% | 3,702 |
| Total risk-based capital ratio | 16.1166% | 3,691 |
| Memoranda: | ||
| Average total assets | $321,355,800 | 2,003 |
| Average earning assets | $304,499,000 | 1,948 |
| Average equity | $36,062,000 | 1,915 |
| Average total loans | $207,021,000 | 1,950 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 5,614 |
| Cost of funding earning assets | 0.3974% | 4,837 |
| Net interest margin | 3.1326% | 5,224 |
| Noninterest income to average assets | 0.7417% | 2,406 |
| Noninterest expense to average assets | 2.6567% | 4,172 |
| Loan and lease loss provision to assets | 0.0353% | 4,311 |
| Net operating income to assets | 0.6515% | 4,113 |
| Return on assets (ROA) | 0.6687% | 4,162 |
| Pretax return on assets | 1.0425% | 3,325 |
| Return on Equity (ROE) | 5.9813% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.9813% | 2,425 |
| Net charge-offs to loans | 0.0117% | 4,908 |
| Credit loss provision to net charge-offs | 472.2222% | 567 |
| Earnings coverage of net charge-offs (x) | 140.7188% | 391 |
| Efficiency ratio | 71.6572% | 3,469 |
| Assets per employee ($millions) | 5.5893% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,809 |
| Loan loss allowance to noncurrent loans | 29.2224% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 2.5423% | 1,502 |
| Noncurrent loans to loans | 4.1503% | 838 |
| Net loans and leases to total assets | 60.5134% | 3,618 |
| Net loans and leases to deposits | 67.8095% | 4,083 |
| Net loans and leases to core deposits | 69.2366% | 4,401 |
| Total domestic deposits to total assets | 89.2402% | 1,434 |
| Equity capital to assets | 10.6498% | 3,118 |
| Core capital (leverage) ratio | 10.8354% | 2,633 |
| Tier 1 risk-based capital ratio | 14.8343% | 3,854 |
| Total risk-based capital ratio | 15.9677% | 3,901 |
| Memoranda: | ||
| Average total assets | $321,398,250 | 2,009 |
| Average earning assets | $304,271,500 | 1,958 |
| Average equity | $35,933,500 | 1,932 |
| Average total loans | $205,854,250 | 1,967 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 5,481 |
| Cost of funding earning assets | 0.4084% | 4,864 |
| Net interest margin | 3.1776% | 5,021 |
| Noninterest income to average assets | 0.9553% | 1,636 |
| Noninterest expense to average assets | 2.7331% | 3,919 |
| Loan and lease loss provision to assets | 0.0127% | 4,629 |
| Net operating income to assets | 0.7750% | 3,435 |
| Return on assets (ROA) | 0.7978% | 3,458 |
| Pretax return on assets | 1.2500% | 2,483 |
| Return on Equity (ROE) | 7.0152% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0152% | 1,888 |
| Net charge-offs to loans | -0.0010% | 5,500 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0136% | 4,004 |
| Assets per employee ($millions) | 5.1598% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 5,117 |
| Loan loss allowance to noncurrent loans | 25.8631% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 3.0059% | 1,344 |
| Noncurrent loans to loans | 4.5487% | 764 |
| Net loans and leases to total assets | 65.3041% | 2,712 |
| Net loans and leases to deposits | 75.1813% | 2,992 |
| Net loans and leases to core deposits | 77.0274% | 3,420 |
| Total domestic deposits to total assets | 86.8622% | 2,904 |
| Equity capital to assets | 11.1798% | 2,574 |
| Core capital (leverage) ratio | 11.4345% | 1,991 |
| Tier 1 risk-based capital ratio | 14.7587% | 3,935 |
| Total risk-based capital ratio | 15.8587% | 3,987 |
| Memoranda: | ||
| Average total assets | $314,882,330 | 2,059 |
| Average earning assets | $297,769,000 | 1,999 |
| Average equity | $35,808,000 | 1,947 |
| Average total loans | $204,855,330 | 1,975 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 5,412 |
| Cost of funding earning assets | 0.4295% | 4,811 |
| Net interest margin | 3.1855% | 4,972 |
| Noninterest income to average assets | 1.6698% | 559 |
| Noninterest expense to average assets | 2.5892% | 4,435 |
| Loan and lease loss provision to assets | 0.0128% | 4,293 |
| Net operating income to assets | 1.2873% | 1,316 |
| Return on assets (ROA) | 1.2972% | 1,384 |
| Pretax return on assets | 2.0937% | 501 |
| Return on Equity (ROE) | 11.3091% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.3091% | 816 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3215% | 6,126 |
| Assets per employee ($millions) | 5.0520% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,076 |
| Loan loss allowance to noncurrent loans | 26.8430% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 2.9931% | 1,500 |
| Noncurrent loans to loans | 4.5559% | 905 |
| Net loans and leases to total assets | 64.8949% | 2,556 |
| Net loans and leases to deposits | 73.7114% | 2,958 |
| Net loans and leases to core deposits | 75.6424% | 3,368 |
| Total domestic deposits to total assets | 88.0391% | 2,281 |
| Equity capital to assets | 11.8583% | 2,137 |
| Core capital (leverage) ratio | 11.3430% | 1,980 |
| Tier 1 risk-based capital ratio | 14.8641% | 3,928 |
| Total risk-based capital ratio | 15.9813% | 3,981 |
| Memoranda: | ||
| Average total assets | $312,369,500 | 2,101 |
| Average earning assets | $295,216,000 | 2,034 |
| Average equity | $35,829,500 | 1,969 |
| Average total loans | $201,583,000 | 2,018 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 6,228 |
| Cost of funding earning assets | 0.5021% | 5,206 |
| Net interest margin | 3.0973% | 5,821 |
| Noninterest income to average assets | 0.3006% | 5,306 |
| Noninterest expense to average assets | 2.7661% | 4,153 |
| Loan and lease loss provision to assets | 0.0452% | 5,275 |
| Net operating income to assets | 0.2996% | 5,469 |
| Return on assets (ROA) | 0.3571% | 5,494 |
| Pretax return on assets | 0.4925% | 5,301 |
| Return on Equity (ROE) | 3.2187% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.2187% | 3,956 |
| Net charge-offs to loans | 0.0407% | 5,350 |
| Credit loss provision to net charge-offs | 177.2152% | 1,482 |
| Earnings coverage of net charge-offs (x) | 17.9747% | 1,472 |
| Efficiency ratio | 85.7701% | 1,451 |
| Assets per employee ($millions) | 5.2761% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,982 |
| Loan loss allowance to noncurrent loans | 27.5500% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 2.8275% | 1,693 |
| Noncurrent loans to loans | 4.4598% | 961 |
| Net loans and leases to total assets | 62.6206% | 3,146 |
| Net loans and leases to deposits | 70.9092% | 3,574 |
| Net loans and leases to core deposits | 72.6211% | 3,960 |
| Total domestic deposits to total assets | 88.3108% | 2,022 |
| Equity capital to assets | 11.0924% | 2,840 |
| Core capital (leverage) ratio | 10.7825% | 2,461 |
| Tier 1 risk-based capital ratio | 14.4210% | 4,082 |
| Total risk-based capital ratio | 15.5020% | 4,162 |
| Memoranda: | ||
| Average total assets | $309,419,800 | 2,077 |
| Average earning assets | $292,155,200 | 2,022 |
| Average equity | $34,330,200 | 2,018 |
| Average total loans | $193,939,600 | 2,059 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 6,352 |
| Cost of funding earning assets | 0.5215% | 5,297 |
| Net interest margin | 3.1081% | 5,924 |
| Noninterest income to average assets | 0.3069% | 5,327 |
| Noninterest expense to average assets | 2.7916% | 4,008 |
| Loan and lease loss provision to assets | 0.0520% | 5,104 |
| Net operating income to assets | 0.2974% | 5,625 |
| Return on assets (ROA) | 0.3654% | 5,589 |
| Pretax return on assets | 0.4945% | 5,483 |
| Return on Equity (ROE) | 3.2928% | 5,579 |
| Retained earnings to average equity (ytd only) | 3.2928% | 4,552 |
| Net charge-offs to loans | 0.0555% | 4,879 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 13.1130% | 1,949 |
| Efficiency ratio | 85.9947% | 1,378 |
| Assets per employee ($millions) | 5.3189% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 5,028 |
| Loan loss allowance to noncurrent loans | 28.0712% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 1,956 |
| Noncurrent loans to loans | 4.4657% | 1,060 |
| Net loans and leases to total assets | 58.4040% | 4,062 |
| Net loans and leases to deposits | 65.7925% | 4,496 |
| Net loans and leases to core deposits | 67.4291% | 4,786 |
| Total domestic deposits to total assets | 88.7701% | 1,553 |
| Equity capital to assets | 10.6229% | 3,704 |
| Core capital (leverage) ratio | 10.6298% | 2,772 |
| Tier 1 risk-based capital ratio | 13.9902% | 4,530 |
| Total risk-based capital ratio | 15.0441% | 4,649 |
| Memoranda: | ||
| Average total assets | $307,633,000 | 2,113 |
| Average earning assets | $290,932,750 | 2,053 |
| Average equity | $34,134,000 | 2,044 |
| Average total loans | $192,249,000 | 2,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 6,320 |
| Cost of funding earning assets | 0.5594% | 5,234 |
| Net interest margin | 3.1476% | 5,870 |
| Noninterest income to average assets | 0.2358% | 5,879 |
| Noninterest expense to average assets | 2.8796% | 3,703 |
| Loan and lease loss provision to assets | 0.0733% | 4,711 |
| Net operating income to assets | 0.2025% | 5,909 |
| Return on assets (ROA) | 0.2977% | 5,831 |
| Pretax return on assets | 0.3757% | 5,763 |
| Return on Equity (ROE) | 2.6422% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.6422% | 4,858 |
| Net charge-offs to loans | 0.0774% | 4,378 |
| Credit loss provision to net charge-offs | 148.6486% | 1,863 |
| Earnings coverage of net charge-offs (x) | 6.6622% | 2,598 |
| Efficiency ratio | 89.7633% | 1,087 |
| Assets per employee ($millions) | 4.9426% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,127 |
| Loan loss allowance to noncurrent loans | 19.6712% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 4.1821% | 1,197 |
| Noncurrent loans to loans | 6.3476% | 673 |
| Net loans and leases to total assets | 64.0304% | 3,026 |
| Net loans and leases to deposits | 72.8314% | 3,481 |
| Net loans and leases to core deposits | 75.0014% | 3,883 |
| Total domestic deposits to total assets | 87.9159% | 2,192 |
| Equity capital to assets | 11.3527% | 2,733 |
| Core capital (leverage) ratio | 11.4176% | 1,958 |
| Tier 1 risk-based capital ratio | 14.7064% | 3,961 |
| Total risk-based capital ratio | 15.8141% | 4,022 |
| Memoranda: | ||
| Average total assets | $300,254,000 | 2,154 |
| Average earning assets | $283,521,670 | 2,103 |
| Average equity | $33,835,000 | 2,047 |
| Average total loans | $191,317,330 | 2,108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 6,525 |
| Cost of funding earning assets | 0.5874% | 5,232 |
| Net interest margin | 3.0526% | 6,176 |
| Noninterest income to average assets | 0.2203% | 6,039 |
| Noninterest expense to average assets | 2.8034% | 4,019 |
| Loan and lease loss provision to assets | 0.1068% | 4,010 |
| Net operating income to assets | 0.1655% | 6,076 |
| Return on assets (ROA) | 0.2710% | 5,907 |
| Pretax return on assets | 0.3204% | 5,928 |
| Return on Equity (ROE) | 2.4139% | 5,936 |
| Retained earnings to average equity (ytd only) | 2.4139% | 5,056 |
| Net charge-offs to loans | 0.1733% | 3,054 |
| Credit loss provision to net charge-offs | 97.5610% | 2,411 |
| Earnings coverage of net charge-offs (x) | 2.7683% | 3,075 |
| Efficiency ratio | 90.2450% | 1,077 |
| Assets per employee ($millions) | 4.9014% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,243 |
| Loan loss allowance to noncurrent loans | 20.0769% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 4.0701% | 1,346 |
| Noncurrent loans to loans | 6.2276% | 789 |
| Net loans and leases to total assets | 63.4773% | 2,954 |
| Net loans and leases to deposits | 72.0382% | 3,432 |
| Net loans and leases to core deposits | 74.3137% | 3,863 |
| Total domestic deposits to total assets | 88.1162% | 2,236 |
| Equity capital to assets | 11.3256% | 2,602 |
| Core capital (leverage) ratio | 11.2757% | 2,053 |
| Tier 1 risk-based capital ratio | 14.6320% | 4,000 |
| Total risk-based capital ratio | 15.7229% | 4,093 |
| Memoranda: | ||
| Average total assets | $299,633,000 | 2,168 |
| Average earning assets | $283,302,000 | 2,110 |
| Average equity | $33,638,500 | 2,061 |
| Average total loans | $189,231,000 | 2,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 6,661 |
| Cost of funding earning assets | 0.6885% | 5,614 |
| Net interest margin | 3.1725% | 6,167 |
| Noninterest income to average assets | 0.2773% | 5,547 |
| Noninterest expense to average assets | 2.8373% | 4,207 |
| Loan and lease loss provision to assets | -0.0100% | 7,215 |
| Net operating income to assets | 0.3280% | 5,156 |
| Return on assets (ROA) | 0.4319% | 4,927 |
| Pretax return on assets | 0.6012% | 4,691 |
| Return on Equity (ROE) | 3.9618% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.9618% | 3,375 |
| Net charge-offs to loans | 0.0732% | 5,586 |
| Credit loss provision to net charge-offs | -21.4286% | 6,633 |
| Earnings coverage of net charge-offs (x) | 9.5786% | 1,959 |
| Efficiency ratio | 86.3913% | 1,507 |
| Assets per employee ($millions) | 4.9226% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 4,953 |
| Loan loss allowance to noncurrent loans | 19.2093% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 4.2510% | 1,315 |
| Noncurrent loans to loans | 6.7214% | 678 |
| Net loans and leases to total assets | 61.2314% | 3,736 |
| Net loans and leases to deposits | 69.4834% | 4,199 |
| Net loans and leases to core deposits | 71.9107% | 4,545 |
| Total domestic deposits to total assets | 88.1237% | 2,079 |
| Equity capital to assets | 11.1280% | 2,861 |
| Core capital (leverage) ratio | 10.8907% | 2,355 |
| Tier 1 risk-based capital ratio | 14.7248% | 3,815 |
| Total risk-based capital ratio | 15.8240% | 3,895 |
| Memoranda: | ||
| Average total assets | $300,043,600 | 2,130 |
| Average earning assets | $284,385,000 | 2,065 |
| Average equity | $32,712,600 | 2,037 |
| Average total loans | $191,141,800 | 2,120 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 6,701 |
| Cost of funding earning assets | 0.7044% | 5,737 |
| Net interest margin | 3.2208% | 6,109 |
| Noninterest income to average assets | 0.2787% | 5,619 |
| Noninterest expense to average assets | 2.8432% | 4,181 |
| Loan and lease loss provision to assets | 0.0111% | 6,292 |
| Net operating income to assets | 0.3385% | 5,258 |
| Return on assets (ROA) | 0.4436% | 5,003 |
| Pretax return on assets | 0.6267% | 4,722 |
| Return on Equity (ROE) | 4.0896% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.0896% | 3,817 |
| Net charge-offs to loans | 0.0035% | 6,145 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 220.2849% | 178 |
| Efficiency ratio | 85.3047% | 1,600 |
| Assets per employee ($millions) | 5.1947% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,629 |
| Loan loss allowance to noncurrent loans | 19.3426% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 4.4134% | 1,366 |
| Noncurrent loans to loans | 7.1529% | 683 |
| Net loans and leases to total assets | 58.3714% | 4,444 |
| Net loans and leases to deposits | 65.6818% | 4,949 |
| Net loans and leases to core deposits | 67.7045% | 5,210 |
| Total domestic deposits to total assets | 88.8698% | 1,505 |
| Equity capital to assets | 10.4393% | 3,784 |
| Core capital (leverage) ratio | 10.5690% | 2,794 |
| Tier 1 risk-based capital ratio | 13.9707% | 4,376 |
| Total risk-based capital ratio | 15.0844% | 4,437 |
| Memoranda: | ||
| Average total assets | $299,984,750 | 2,144 |
| Average earning assets | $284,473,250 | 2,070 |
| Average equity | $32,537,000 | 2,040 |
| Average total loans | $192,359,750 | 2,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 6,714 |
| Cost of funding earning assets | 0.7307% | 5,778 |
| Net interest margin | 3.2368% | 6,041 |
| Noninterest income to average assets | 0.2568% | 5,812 |
| Noninterest expense to average assets | 2.9203% | 3,942 |
| Loan and lease loss provision to assets | 0.0170% | 6,070 |
| Net operating income to assets | 0.2752% | 5,462 |
| Return on assets (ROA) | 0.3819% | 5,171 |
| Pretax return on assets | 0.5395% | 4,937 |
| Return on Equity (ROE) | 3.4739% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.4739% | 4,040 |
| Net charge-offs to loans | 0.0320% | 5,398 |
| Credit loss provision to net charge-offs | 80.6452% | 3,752 |
| Earnings coverage of net charge-offs (x) | 19.2903% | 1,224 |
| Efficiency ratio | 87.7859% | 1,435 |
| Assets per employee ($millions) | 4.8704% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 5,004 |
| Loan loss allowance to noncurrent loans | 16.1501% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 5.3542% | 1,116 |
| Noncurrent loans to loans | 8.1246% | 550 |
| Net loans and leases to total assets | 65.0365% | 3,250 |
| Net loans and leases to deposits | 73.7883% | 3,838 |
| Net loans and leases to core deposits | 76.2289% | 4,287 |
| Total domestic deposits to total assets | 88.1394% | 2,045 |
| Equity capital to assets | 11.0218% | 2,928 |
| Core capital (leverage) ratio | 11.2519% | 2,076 |
| Tier 1 risk-based capital ratio | 14.4506% | 3,826 |
| Total risk-based capital ratio | 15.6211% | 3,854 |
| Memoranda: | ||
| Average total assets | $294,353,670 | 2,182 |
| Average earning assets | $279,167,000 | 2,109 |
| Average equity | $32,356,000 | 2,039 |
| Average total loans | $193,959,330 | 2,139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 6,632 |
| Cost of funding earning assets | 0.7529% | 5,838 |
| Net interest margin | 3.2775% | 5,853 |
| Noninterest income to average assets | 0.2717% | 5,731 |
| Noninterest expense to average assets | 2.9271% | 3,960 |
| Loan and lease loss provision to assets | 0.0273% | 5,622 |
| Net operating income to assets | 0.2751% | 5,519 |
| Return on assets (ROA) | 0.4000% | 5,035 |
| Pretax return on assets | 0.6267% | 4,581 |
| Return on Equity (ROE) | 3.6441% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,989 |
| Net charge-offs to loans | 0.0539% | 4,401 |
| Credit loss provision to net charge-offs | 76.9231% | 3,216 |
| Earnings coverage of net charge-offs (x) | 12.9231% | 1,473 |
| Efficiency ratio | 86.4516% | 1,660 |
| Assets per employee ($millions) | 4.8623% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,994 |
| Loan loss allowance to noncurrent loans | 20.1791% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 4.3638% | 1,497 |
| Noncurrent loans to loans | 6.5848% | 892 |
| Net loans and leases to total assets | 65.3910% | 3,154 |
| Net loans and leases to deposits | 74.0760% | 3,752 |
| Net loans and leases to core deposits | 76.3955% | 4,253 |
| Total domestic deposits to total assets | 88.2755% | 2,207 |
| Equity capital to assets | 11.0208% | 2,664 |
| Core capital (leverage) ratio | 11.1051% | 2,112 |
| Tier 1 risk-based capital ratio | 14.6503% | 3,641 |
| Total risk-based capital ratio | 15.8478% | 3,633 |
| Memoranda: | ||
| Average total assets | $292,984,000 | 2,205 |
| Average earning assets | $278,381,500 | 2,126 |
| Average equity | $32,161,500 | 2,035 |
| Average total loans | $193,045,000 | 2,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 6,663 |
| Cost of funding earning assets | 0.9219% | 6,070 |
| Net interest margin | 3.4530% | 5,418 |
| Noninterest income to average assets | 0.2782% | 5,789 |
| Noninterest expense to average assets | 2.7218% | 4,888 |
| Loan and lease loss provision to assets | 0.1758% | 5,473 |
| Net operating income to assets | 0.5134% | 4,034 |
| Return on assets (ROA) | 0.5364% | 4,092 |
| Pretax return on assets | 0.6837% | 4,032 |
| Return on Equity (ROE) | 5.0477% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.0477% | 2,381 |
| Net charge-offs to loans | 0.1747% | 5,276 |
| Credit loss provision to net charge-offs | 152.0468% | 2,363 |
| Earnings coverage of net charge-offs (x) | 7.1813% | 2,185 |
| Efficiency ratio | 76.6296% | 2,944 |
| Assets per employee ($millions) | 4.9038% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 4,822 |
| Loan loss allowance to noncurrent loans | 20.2756% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 4.3164% | 1,547 |
| Noncurrent loans to loans | 6.5888% | 895 |
| Net loans and leases to total assets | 64.6350% | 3,742 |
| Net loans and leases to deposits | 72.9898% | 4,353 |
| Net loans and leases to core deposits | 75.2051% | 4,831 |
| Total domestic deposits to total assets | 88.5535% | 1,918 |
| Equity capital to assets | 10.9340% | 2,743 |
| Core capital (leverage) ratio | 10.4297% | 2,637 |
| Tier 1 risk-based capital ratio | 14.7711% | 3,386 |
| Total risk-based capital ratio | 15.9807% | 3,371 |
| Memoranda: | ||
| Average total assets | $295,872,000 | 2,175 |
| Average earning assets | $280,506,200 | 2,100 |
| Average equity | $31,440,200 | 2,088 |
| Average total loans | $195,817,000 | 2,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 6,718 |
| Cost of funding earning assets | 0.9511% | 6,172 |
| Net interest margin | 3.5021% | 5,283 |
| Noninterest income to average assets | 0.2651% | 5,995 |
| Noninterest expense to average assets | 2.6893% | 4,924 |
| Loan and lease loss provision to assets | 0.2295% | 4,778 |
| Net operating income to assets | 0.5327% | 4,176 |
| Return on assets (ROA) | 0.5630% | 4,202 |
| Pretax return on assets | 0.7029% | 4,219 |
| Return on Equity (ROE) | 5.3362% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.3362% | 2,745 |
| Net charge-offs to loans | 0.2421% | 4,488 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 5.5686% | 2,720 |
| Efficiency ratio | 75.0377% | 3,137 |
| Assets per employee ($millions) | 5.2439% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,875 |
| Loan loss allowance to noncurrent loans | 22.3390% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 3.6280% | 1,964 |
| Noncurrent loans to loans | 5.8848% | 1,088 |
| Net loans and leases to total assets | 60.8399% | 4,751 |
| Net loans and leases to deposits | 68.2428% | 5,385 |
| Net loans and leases to core deposits | 70.0765% | 5,740 |
| Total domestic deposits to total assets | 89.1522% | 1,311 |
| Equity capital to assets | 10.2583% | 3,817 |
| Core capital (leverage) ratio | 10.2254% | 3,011 |
| Tier 1 risk-based capital ratio | 14.3223% | 3,615 |
| Total risk-based capital ratio | 15.4850% | 3,637 |
| Memoranda: | ||
| Average total assets | $296,282,750 | 2,211 |
| Average earning assets | $280,780,500 | 2,137 |
| Average equity | $31,257,500 | 2,112 |
| Average total loans | $196,583,750 | 2,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 6,632 |
| Cost of funding earning assets | 1.0120% | 6,086 |
| Net interest margin | 3.5192% | 5,169 |
| Noninterest income to average assets | 0.2323% | 6,249 |
| Noninterest expense to average assets | 2.7839% | 4,561 |
| Loan and lease loss provision to assets | 0.2619% | 4,305 |
| Net operating income to assets | 0.4600% | 4,506 |
| Return on assets (ROA) | 0.5121% | 4,422 |
| Pretax return on assets | 0.5742% | 4,651 |
| Return on Equity (ROE) | 4.8063% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.8063% | 3,006 |
| Net charge-offs to loans | 0.0658% | 5,483 |
| Credit loss provision to net charge-offs | 584.6154% | 641 |
| Earnings coverage of net charge-offs (x) | 17.3538% | 1,350 |
| Efficiency ratio | 78.1692% | 2,701 |
| Assets per employee ($millions) | 4.9514% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 4,711 |
| Loan loss allowance to noncurrent loans | 21.4455% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 4.3288% | 1,539 |
| Noncurrent loans to loans | 6.2676% | 983 |
| Net loans and leases to total assets | 68.1383% | 3,332 |
| Net loans and leases to deposits | 76.9545% | 4,163 |
| Net loans and leases to core deposits | 79.0287% | 4,799 |
| Total domestic deposits to total assets | 88.5436% | 1,703 |
| Equity capital to assets | 10.8043% | 3,071 |
| Core capital (leverage) ratio | 10.9192% | 2,306 |
| Tier 1 risk-based capital ratio | 14.0934% | 3,667 |
| Total risk-based capital ratio | 15.3195% | 3,645 |
| Memoranda: | ||
| Average total assets | $290,165,670 | 2,263 |
| Average earning assets | $274,493,000 | 2,200 |
| Average equity | $30,918,000 | 2,132 |
| Average total loans | $197,454,000 | 2,239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 6,746 |
| Cost of funding earning assets | 1.0599% | 6,090 |
| Net interest margin | 3.4618% | 5,327 |
| Noninterest income to average assets | 0.2296% | 6,312 |
| Noninterest expense to average assets | 2.8370% | 4,336 |
| Loan and lease loss provision to assets | 0.1798% | 4,727 |
| Net operating income to assets | 0.5035% | 4,376 |
| Return on assets (ROA) | 0.6086% | 4,003 |
| Pretax return on assets | 0.5934% | 4,629 |
| Return on Equity (ROE) | 5.7525% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.7525% | 2,741 |
| Net charge-offs to loans | 0.0205% | 5,299 |
| Credit loss provision to net charge-offs | 1,300.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 48.3000% | 592 |
| Efficiency ratio | 80.9392% | 2,418 |
| Assets per employee ($millions) | 4.3285% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,074 |
| Loan loss allowance to noncurrent loans | 18.6583% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 4.8856% | 1,334 |
| Noncurrent loans to loans | 6.8215% | 887 |
| Net loans and leases to total assets | 68.3430% | 3,303 |
| Net loans and leases to deposits | 77.2332% | 4,182 |
| Net loans and leases to core deposits | 80.0411% | 4,759 |
| Total domestic deposits to total assets | 88.4891% | 1,793 |
| Equity capital to assets | 10.8794% | 2,867 |
| Core capital (leverage) ratio | 10.8266% | 2,349 |
| Tier 1 risk-based capital ratio | 14.2913% | 3,493 |
| Total risk-based capital ratio | 15.4640% | 3,500 |
| Memoranda: | ||
| Average total assets | $289,181,500 | 2,316 |
| Average earning assets | $273,613,000 | 2,258 |
| Average equity | $30,595,500 | 2,177 |
| Average total loans | $195,297,500 | 2,324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 6,942 |
| Cost of funding earning assets | 1.6381% | 4,855 |
| Net interest margin | 3.1673% | 6,187 |
| Noninterest income to average assets | 0.3034% | 5,929 |
| Noninterest expense to average assets | 2.6716% | 5,511 |
| Loan and lease loss provision to assets | 0.1088% | 6,559 |
| Net operating income to assets | 0.3013% | 4,533 |
| Return on assets (ROA) | 0.3311% | 4,499 |
| Pretax return on assets | 0.5697% | 3,986 |
| Return on Equity (ROE) | 3.1433% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.1433% | 2,959 |
| Net charge-offs to loans | 0.1103% | 6,053 |
| Credit loss provision to net charge-offs | 142.9907% | 3,360 |
| Earnings coverage of net charge-offs (x) | 8.3037% | 1,962 |
| Efficiency ratio | 80.8698% | 2,765 |
| Assets per employee ($millions) | 4.4346% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,111 |
| Loan loss allowance to noncurrent loans | 31.5602% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 2.7545% | 2,536 |
| Noncurrent loans to loans | 3.9386% | 1,886 |
| Net loans and leases to total assets | 65.0665% | 4,361 |
| Net loans and leases to deposits | 73.1913% | 5,167 |
| Net loans and leases to core deposits | 84.8920% | 5,630 |
| Total domestic deposits to total assets | 88.8993% | 1,526 |
| Equity capital to assets | 10.2879% | 3,416 |
| Core capital (leverage) ratio | 10.2049% | 2,880 |
| Tier 1 risk-based capital ratio | 14.4985% | 3,210 |
| Total risk-based capital ratio | 15.6462% | 3,216 |
| Memoranda: | ||
| Average total assets | $281,180,200 | 2,340 |
| Average earning assets | $266,349,000 | 2,270 |
| Average equity | $29,618,200 | 2,254 |
| Average total loans | $194,096,400 | 2,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 6,870 |
| Cost of funding earning assets | 1.7458% | 4,662 |
| Net interest margin | 3.1600% | 6,146 |
| Noninterest income to average assets | 0.3080% | 6,019 |
| Noninterest expense to average assets | 2.7106% | 5,272 |
| Loan and lease loss provision to assets | 0.0987% | 6,380 |
| Net operating income to assets | 0.2701% | 4,902 |
| Return on assets (ROA) | 0.2750% | 4,990 |
| Pretax return on assets | 0.5016% | 4,516 |
| Return on Equity (ROE) | 2.5947% | 4,952 |
| Retained earnings to average equity (ytd only) | 2.5947% | 3,866 |
| Net charge-offs to loans | 0.1097% | 5,582 |
| Credit loss provision to net charge-offs | 128.7500% | 3,894 |
| Earnings coverage of net charge-offs (x) | 7.7312% | 2,359 |
| Efficiency ratio | 82.0595% | 2,575 |
| Assets per employee ($millions) | 4.6544% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,971 |
| Loan loss allowance to noncurrent loans | 43.1614% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 3,460 |
| Noncurrent loans to loans | 2.8406% | 2,672 |
| Net loans and leases to total assets | 61.6583% | 5,297 |
| Net loans and leases to deposits | 69.0186% | 6,028 |
| Net loans and leases to core deposits | 79.8815% | 6,362 |
| Total domestic deposits to total assets | 89.3358% | 1,044 |
| Equity capital to assets | 9.7699% | 4,396 |
| Core capital (leverage) ratio | 10.2115% | 3,054 |
| Tier 1 risk-based capital ratio | 14.7563% | 3,157 |
| Total risk-based capital ratio | 15.9099% | 3,143 |
| Memoranda: | ||
| Average total assets | $278,304,000 | 2,376 |
| Average earning assets | $263,791,750 | 2,306 |
| Average equity | $29,495,000 | 2,289 |
| Average total loans | $194,411,250 | 2,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 6,401 |
| Cost of funding earning assets | 1.9162% | 4,185 |
| Net interest margin | 3.1924% | 5,944 |
| Noninterest income to average assets | 0.2643% | 6,380 |
| Noninterest expense to average assets | 2.8376% | 4,790 |
| Loan and lease loss provision to assets | 0.0261% | 6,979 |
| Net operating income to assets | 0.1971% | 5,272 |
| Return on assets (ROA) | 0.1980% | 5,350 |
| Pretax return on assets | 0.4206% | 4,876 |
| Return on Equity (ROE) | 1.8143% | 5,369 |
| Retained earnings to average equity (ytd only) | 1.8143% | 4,334 |
| Net charge-offs to loans | 0.0205% | 6,225 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 29.9000% | 1,002 |
| Efficiency ratio | 86.4399% | 2,184 |
| Assets per employee ($millions) | 4.2590% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,083 |
| Loan loss allowance to noncurrent loans | 28.9891% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.0132% | 2,110 |
| Noncurrent loans to loans | 4.0675% | 1,651 |
| Net loans and leases to total assets | 69.1713% | 3,909 |
| Net loans and leases to deposits | 80.3601% | 4,491 |
| Net loans and leases to core deposits | 98.2089% | 4,677 |
| Total domestic deposits to total assets | 86.0766% | 2,742 |
| Equity capital to assets | 10.4669% | 3,445 |
| Core capital (leverage) ratio | 11.0184% | 2,383 |
| Tier 1 risk-based capital ratio | 14.8423% | 3,091 |
| Total risk-based capital ratio | 15.9992% | 3,057 |
| Memoranda: | ||
| Average total assets | $268,676,000 | 2,456 |
| Average earning assets | $254,044,330 | 2,406 |
| Average equity | $29,322,670 | 2,320 |
| Average total loans | $195,295,670 | 2,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 5,649 |
| Cost of funding earning assets | 1.9822% | 4,222 |
| Net interest margin | 3.3696% | 5,255 |
| Noninterest income to average assets | 0.2240% | 6,677 |
| Noninterest expense to average assets | 2.8331% | 4,410 |
| Loan and lease loss provision to assets | 0.0229% | 6,617 |
| Net operating income to assets | 0.1703% | 5,754 |
| Return on assets (ROA) | 0.1722% | 5,912 |
| Pretax return on assets | 0.5654% | 4,862 |
| Return on Equity (ROE) | 1.5441% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.5441% | 4,986 |
| Net charge-offs to loans | -0.1809% | 7,997 |
| Credit loss provision to net charge-offs | -17.0455% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8801% | 2,429 |
| Assets per employee ($millions) | 4.0618% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 4,619 |
| Loan loss allowance to noncurrent loans | 46.0949% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9787% | 2,939 |
| Noncurrent loans to loans | 2.6589% | 2,470 |
| Net loans and leases to total assets | 73.5041% | 2,885 |
| Net loans and leases to deposits | 86.1110% | 3,610 |
| Net loans and leases to core deposits | 106.1857% | 3,888 |
| Total domestic deposits to total assets | 85.3597% | 3,033 |
| Equity capital to assets | 10.9974% | 2,960 |
| Core capital (leverage) ratio | 11.3770% | 2,225 |
| Tier 1 risk-based capital ratio | 15.3660% | 2,908 |
| Total risk-based capital ratio | 16.6155% | 2,845 |
| Memoranda: | ||
| Average total assets | $262,466,500 | 2,531 |
| Average earning assets | $248,812,500 | 2,458 |
| Average equity | $29,273,000 | 2,330 |
| Average total loans | $194,565,000 | 2,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7635% | 6,545 |
| Cost of funding earning assets | 2.4846% | 4,288 |
| Net interest margin | 3.2789% | 6,107 |
| Noninterest income to average assets | 0.2813% | 6,450 |
| Noninterest expense to average assets | 2.7660% | 4,982 |
| Loan and lease loss provision to assets | 0.0020% | 7,321 |
| Net operating income to assets | 0.4210% | 5,072 |
| Return on assets (ROA) | 0.1686% | 5,774 |
| Pretax return on assets | 0.2408% | 5,646 |
| Return on Equity (ROE) | 1.4800% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.4800% | 4,335 |
| Net charge-offs to loans | 0.1062% | 5,233 |
| Credit loss provision to net charge-offs | 2.5126% | 6,647 |
| Earnings coverage of net charge-offs (x) | 7.7186% | 3,038 |
| Efficiency ratio | 82.0896% | 2,291 |
| Assets per employee ($millions) | 4.0141% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 4,563 |
| Loan loss allowance to noncurrent loans | 62.4323% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 3,056 |
| Noncurrent loans to loans | 1.9163% | 2,873 |
| Net loans and leases to total assets | 72.9559% | 3,370 |
| Net loans and leases to deposits | 84.1042% | 4,409 |
| Net loans and leases to core deposits | 102.9854% | 4,506 |
| Total domestic deposits to total assets | 86.7447% | 2,067 |
| Equity capital to assets | 11.3106% | 2,794 |
| Core capital (leverage) ratio | 10.9292% | 2,646 |
| Tier 1 risk-based capital ratio | 15.7083% | 2,775 |
| Total risk-based capital ratio | 16.9357% | 2,714 |
| Memoranda: | ||
| Average total assets | $254,517,600 | 2,515 |
| Average earning assets | $239,716,600 | 2,458 |
| Average equity | $28,986,400 | 2,336 |
| Average total loans | $187,400,400 | 2,428 |