Home > SEVERN SAVINGS BANK, FSB DBA SEVERN BANK > Performance and Condition Ratios
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 3,654 |
| Cost of funding earning assets | 0.2966% | 2,625 |
| Net interest margin | 2.8751% | 3,607 |
| Noninterest income to average assets | 1.5402% | 524 |
| Noninterest expense to average assets | 3.0041% | 966 |
| Loan and lease loss provision to assets | -0.1328% | 4,667 |
| Net operating income to assets | 1.0494% | 2,731 |
| Return on assets (ROA) | 1.0490% | 2,801 |
| Pretax return on assets | 1.4249% | 2,233 |
| Return on Equity (ROE) | 9.0786% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.1904% | 2,748 |
| Net charge-offs to loans | -0.0592% | 4,423 |
| Credit loss provision to net charge-offs | 373.2639% | 901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9151% | 1,609 |
| Assets per employee ($millions) | 6.7103% | 2,086 |
| Cash dividends to net income (ytd only)* | 31.8134% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,449 |
| Loan loss allowance to noncurrent loans | 486.4228% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,955 |
| Noncurrent loans to loans | 0.2687% | 2,844 |
| Net loans and leases to total assets | 53.1782% | 3,062 |
| Net loans and leases to deposits | 60.9677% | 3,143 |
| Net loans and leases to core deposits | 62.3771% | 3,275 |
| Total domestic deposits to total assets | 87.2236% | 2,259 |
| Equity capital to assets | 11.3930% | 1,744 |
| Core capital (leverage) ratio | 12.0003% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,078,760,500 | 915 |
| Average earning assets | $1,034,284,750 | 887 |
| Average equity | $124,642,250 | 845 |
| Average total loans | $648,476,250 | 952 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2169% | 3,642 |
| Cost of funding earning assets | 0.3128% | 2,653 |
| Net interest margin | 2.9041% | 3,565 |
| Noninterest income to average assets | 1.6215% | 469 |
| Noninterest expense to average assets | 3.0932% | 852 |
| Loan and lease loss provision to assets | -0.2014% | 4,756 |
| Net operating income to assets | 1.1117% | 2,499 |
| Return on assets (ROA) | 1.1110% | 2,563 |
| Pretax return on assets | 1.5130% | 1,975 |
| Return on Equity (ROE) | 9.5340% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.6400% | 2,568 |
| Net charge-offs to loans | -0.0852% | 4,575 |
| Credit loss provision to net charge-offs | 379.8587% | 780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2088% | 1,609 |
| Assets per employee ($millions) | 6.7207% | 2,007 |
| Cash dividends to net income (ytd only)* | 30.3541% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 2,845 |
| Loan loss allowance to noncurrent loans | 639.4780% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,975 |
| Noncurrent loans to loans | 0.1901% | 3,278 |
| Net loans and leases to total assets | 55.7738% | 2,927 |
| Net loans and leases to deposits | 63.6823% | 3,033 |
| Net loans and leases to core deposits | 65.1913% | 3,184 |
| Total domestic deposits to total assets | 87.5814% | 2,051 |
| Equity capital to assets | 11.0931% | 1,917 |
| Core capital (leverage) ratio | 11.8611% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,067,554,667 | 916 |
| Average earning assets | $1,023,529,000 | 887 |
| Average equity | $124,396,667 | 844 |
| Average total loans | $664,568,000 | 935 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 2,953 |
| Cost of funding earning assets | 0.3408% | 2,606 |
| Net interest margin | 3.1505% | 2,842 |
| Noninterest income to average assets | 2.0997% | 350 |
| Noninterest expense to average assets | 3.2172% | 700 |
| Loan and lease loss provision to assets | -0.2912% | 4,854 |
| Net operating income to assets | 1.6084% | 1,115 |
| Return on assets (ROA) | 1.6069% | 1,165 |
| Pretax return on assets | 2.1839% | 712 |
| Return on Equity (ROE) | 13.4323% | 1,562 |
| Retained earnings to average equity (ytd only) | 10.5109% | 1,512 |
| Net charge-offs to loans | -0.1275% | 4,704 |
| Credit loss provision to net charge-offs | 348.8372% | 701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9368% | 2,615 |
| Assets per employee ($millions) | 6.3082% | 2,325 |
| Cash dividends to net income (ytd only)* | 21.7496% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,889 |
| Loan loss allowance to noncurrent loans | 630.1946% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 3,119 |
| Noncurrent loans to loans | 0.1916% | 3,418 |
| Net loans and leases to total assets | 59.6629% | 2,584 |
| Net loans and leases to deposits | 68.3141% | 2,664 |
| Net loans and leases to core deposits | 69.9825% | 2,866 |
| Total domestic deposits to total assets | 87.3362% | 2,164 |
| Equity capital to assets | 11.1569% | 1,751 |
| Core capital (leverage) ratio | 12.0905% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,030,074,000 | 931 |
| Average earning assets | $984,861,000 | 909 |
| Average equity | $123,225,000 | 842 |
| Average total loans | $674,319,500 | 924 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 2,813 |
| Cost of funding earning assets | 0.6805% | 1,820 |
| Net interest margin | 3.2913% | 3,090 |
| Noninterest income to average assets | 1.5400% | 515 |
| Noninterest expense to average assets | 3.4791% | 712 |
| Loan and lease loss provision to assets | 0.1005% | 3,076 |
| Net operating income to assets | 0.8010% | 3,089 |
| Return on assets (ROA) | 0.8010% | 3,211 |
| Pretax return on assets | 1.0930% | 2,727 |
| Return on Equity (ROE) | 5.9635% | 3,598 |
| Retained earnings to average equity (ytd only) | 3.1368% | 3,270 |
| Net charge-offs to loans | -0.0945% | 4,804 |
| Credit loss provision to net charge-offs | -142.4051% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4569% | 1,390 |
| Assets per employee ($millions) | 5.2193% | 3,130 |
| Cash dividends to net income (ytd only)* | 47.4000% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,554 |
| Loan loss allowance to noncurrent loans | 196.4497% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 1,851 |
| Noncurrent loans to loans | 0.6479% | 2,058 |
| Net loans and leases to total assets | 70.4812% | 1,496 |
| Net loans and leases to deposits | 82.4590% | 1,607 |
| Net loans and leases to core deposits | 84.8704% | 1,958 |
| Total domestic deposits to total assets | 85.4743% | 2,585 |
| Equity capital to assets | 12.9046% | 1,128 |
| Core capital (leverage) ratio | 13.6732% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $895,493,800 | 972 |
| Average earning assets | $852,316,600 | 948 |
| Average equity | $120,281,600 | 820 |
| Average total loans | $668,632,800 | 902 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 2,974 |
| Cost of funding earning assets | 0.7643% | 1,654 |
| Net interest margin | 3.2366% | 3,375 |
| Noninterest income to average assets | 1.4482% | 549 |
| Noninterest expense to average assets | 3.4256% | 774 |
| Loan and lease loss provision to assets | 0.1285% | 2,743 |
| Net operating income to assets | 0.7237% | 3,376 |
| Return on assets (ROA) | 0.7237% | 3,479 |
| Pretax return on assets | 0.9730% | 3,154 |
| Return on Equity (ROE) | 5.3318% | 3,778 |
| Retained earnings to average equity (ytd only) | 2.5473% | 3,713 |
| Net charge-offs to loans | -0.1375% | 4,877 |
| Credit loss provision to net charge-offs | -123.7263% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6679% | 1,235 |
| Assets per employee ($millions) | 5.3209% | 2,870 |
| Cash dividends to net income (ytd only)* | 52.2248% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,306 |
| Loan loss allowance to noncurrent loans | 145.2009% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 1,565 |
| Noncurrent loans to loans | 0.8736% | 1,708 |
| Net loans and leases to total assets | 71.7922% | 1,698 |
| Net loans and leases to deposits | 85.3177% | 1,776 |
| Net loans and leases to core deposits | 88.1828% | 2,126 |
| Total domestic deposits to total assets | 84.1469% | 2,769 |
| Equity capital to assets | 12.9233% | 1,217 |
| Core capital (leverage) ratio | 13.5943% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $881,889,500 | 971 |
| Average earning assets | $838,915,000 | 942 |
| Average equity | $119,706,500 | 821 |
| Average total loans | $666,255,750 | 899 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 2,770 |
| Cost of funding earning assets | 0.8565% | 1,570 |
| Net interest margin | 3.3416% | 3,265 |
| Noninterest income to average assets | 1.2484% | 648 |
| Noninterest expense to average assets | 3.3917% | 866 |
| Loan and lease loss provision to assets | 0.1737% | 2,272 |
| Net operating income to assets | 0.6556% | 3,560 |
| Return on assets (ROA) | 0.6556% | 3,654 |
| Pretax return on assets | 0.8621% | 3,423 |
| Return on Equity (ROE) | 4.7473% | 3,898 |
| Retained earnings to average equity (ytd only) | 2.0643% | 3,729 |
| Net charge-offs to loans | -0.0847% | 4,814 |
| Credit loss provision to net charge-offs | -267.8571% | 3,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6056% | 1,210 |
| Assets per employee ($millions) | 5.4395% | 2,699 |
| Cash dividends to net income (ytd only)* | 56.5171% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,462 |
| Loan loss allowance to noncurrent loans | 130.1585% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 1,562 |
| Noncurrent loans to loans | 0.9300% | 1,662 |
| Net loans and leases to total assets | 72.6155% | 1,605 |
| Net loans and leases to deposits | 88.0966% | 1,547 |
| Net loans and leases to core deposits | 91.8533% | 1,918 |
| Total domestic deposits to total assets | 82.4271% | 3,263 |
| Equity capital to assets | 13.1418% | 1,103 |
| Core capital (leverage) ratio | 13.7715% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $863,690,333 | 972 |
| Average earning assets | $821,693,667 | 949 |
| Average equity | $119,267,000 | 813 |
| Average total loans | $661,353,333 | 894 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 2,383 |
| Cost of funding earning assets | 0.9880% | 1,473 |
| Net interest margin | 3.4847% | 3,034 |
| Noninterest income to average assets | 1.2134% | 596 |
| Noninterest expense to average assets | 3.6016% | 811 |
| Loan and lease loss provision to assets | 0.3577% | 862 |
| Net operating income to assets | 0.4455% | 4,033 |
| Return on assets (ROA) | 0.4455% | 4,080 |
| Pretax return on assets | 0.5614% | 4,000 |
| Return on Equity (ROE) | 3.1434% | 4,181 |
| Retained earnings to average equity (ytd only) | 0.4510% | 3,893 |
| Net charge-offs to loans | -0.0171% | 4,275 |
| Credit loss provision to net charge-offs | -2,678.5714% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6687% | 1,174 |
| Assets per employee ($millions) | 5.0514% | 2,595 |
| Cash dividends to net income (ytd only)* | 85.6531% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,678 |
| Loan loss allowance to noncurrent loans | 109.0356% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 1,260 |
| Noncurrent loans to loans | 1.1003% | 1,507 |
| Net loans and leases to total assets | 76.0158% | 1,305 |
| Net loans and leases to deposits | 93.4373% | 1,131 |
| Net loans and leases to core deposits | 98.2971% | 1,600 |
| Total domestic deposits to total assets | 81.3549% | 3,582 |
| Equity capital to assets | 13.9390% | 1,078 |
| Core capital (leverage) ratio | 14.0744% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $838,620,500 | 973 |
| Average earning assets | $795,927,500 | 949 |
| Average equity | $118,853,500 | 807 |
| Average total loans | $656,173,500 | 879 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 2,038 |
| Cost of funding earning assets | 0.9952% | 1,744 |
| Net interest margin | 3.8061% | 2,484 |
| Noninterest income to average assets | 0.9573% | 1,063 |
| Noninterest expense to average assets | 3.1990% | 1,520 |
| Loan and lease loss provision to assets | -0.0574% | 5,027 |
| Net operating income to assets | 1.0587% | 2,624 |
| Return on assets (ROA) | 1.0587% | 2,717 |
| Pretax return on assets | 1.4318% | 2,032 |
| Return on Equity (ROE) | 7.7609% | 3,266 |
| Retained earnings to average equity (ytd only) | 2.4265% | 3,812 |
| Net charge-offs to loans | 0.0597% | 2,250 |
| Credit loss provision to net charge-offs | -123.1527% | 4,241 |
| Earnings coverage of net charge-offs (x) | 29.4951% | 1,598 |
| Efficiency ratio | 69.9475% | 2,179 |
| Assets per employee ($millions) | 4.8731% | 2,748 |
| Cash dividends to net income (ytd only)* | 68.7337% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,044 |
| Loan loss allowance to noncurrent loans | 168.9507% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 1,619 |
| Noncurrent loans to loans | 0.6412% | 2,284 |
| Net loans and leases to total assets | 78.7355% | 973 |
| Net loans and leases to deposits | 97.4861% | 797 |
| Net loans and leases to core deposits | 102.3899% | 1,370 |
| Total domestic deposits to total assets | 80.7658% | 3,818 |
| Equity capital to assets | 14.4146% | 961 |
| Core capital (leverage) ratio | 13.4296% | 1,075 |
| Tier 1 risk-based capital ratio | 18.4755% | 1,637 |
| Total risk-based capital ratio | 19.5962% | 1,646 |
| Memoranda: | ||
| Average total assets | $871,262,200 | 904 |
| Average earning assets | $827,778,200 | 876 |
| Average equity | $118,852,000 | 769 |
| Average total loans | $679,949,200 | 829 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 1,958 |
| Cost of funding earning assets | 0.9865% | 1,820 |
| Net interest margin | 3.8677% | 2,374 |
| Noninterest income to average assets | 0.9265% | 1,088 |
| Noninterest expense to average assets | 3.0857% | 1,742 |
| Loan and lease loss provision to assets | -0.0755% | 5,146 |
| Net operating income to assets | 1.1849% | 2,250 |
| Return on assets (ROA) | 1.1849% | 2,329 |
| Pretax return on assets | 1.5934% | 1,660 |
| Return on Equity (ROE) | 8.8025% | 2,956 |
| Retained earnings to average equity (ytd only) | 6.5147% | 2,110 |
| Net charge-offs to loans | 0.0218% | 2,668 |
| Credit loss provision to net charge-offs | -446.4286% | 4,309 |
| Earnings coverage of net charge-offs (x) | 89.7765% | 802 |
| Efficiency ratio | 67.0274% | 2,583 |
| Assets per employee ($millions) | 4.9840% | 2,578 |
| Cash dividends to net income (ytd only)* | 25.9906% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,072 |
| Loan loss allowance to noncurrent loans | 144.1520% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 1,606 |
| Noncurrent loans to loans | 0.7573% | 2,072 |
| Net loans and leases to total assets | 81.4716% | 633 |
| Net loans and leases to deposits | 101.3708% | 536 |
| Net loans and leases to core deposits | 107.1075% | 1,106 |
| Total domestic deposits to total assets | 80.3699% | 3,904 |
| Equity capital to assets | 14.7961% | 908 |
| Core capital (leverage) ratio | 13.5119% | 1,124 |
| Tier 1 risk-based capital ratio | 18.5190% | 1,683 |
| Total risk-based capital ratio | 19.6580% | 1,676 |
| Memoranda: | ||
| Average total assets | $883,189,000 | 890 |
| Average earning assets | $839,686,500 | 861 |
| Average equity | $118,887,000 | 763 |
| Average total loans | $686,053,750 | 823 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 1,987 |
| Cost of funding earning assets | 0.9964% | 1,711 |
| Net interest margin | 3.8274% | 2,489 |
| Noninterest income to average assets | 0.8702% | 1,155 |
| Noninterest expense to average assets | 2.9398% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1777% | 2,234 |
| Return on assets (ROA) | 1.1777% | 2,307 |
| Pretax return on assets | 1.5724% | 1,631 |
| Return on Equity (ROE) | 9.0203% | 2,844 |
| Retained earnings to average equity (ytd only) | 6.9178% | 1,847 |
| Net charge-offs to loans | -0.0139% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1523% | 2,953 |
| Assets per employee ($millions) | 5.2988% | 2,156 |
| Cash dividends to net income (ytd only)* | 23.3083% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,758 |
| Loan loss allowance to noncurrent loans | 154.2409% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,799 |
| Noncurrent loans to loans | 0.7501% | 2,114 |
| Net loans and leases to total assets | 80.1803% | 855 |
| Net loans and leases to deposits | 99.9278% | 683 |
| Net loans and leases to core deposits | 105.4367% | 1,279 |
| Total domestic deposits to total assets | 80.2382% | 3,990 |
| Equity capital to assets | 13.9722% | 1,129 |
| Core capital (leverage) ratio | 13.1018% | 1,255 |
| Tier 1 risk-based capital ratio | 17.9733% | 1,814 |
| Total risk-based capital ratio | 19.2142% | 1,771 |
| Memoranda: | ||
| Average total assets | $903,464,000 | 867 |
| Average earning assets | $859,699,330 | 839 |
| Average equity | $117,956,670 | 761 |
| Average total loans | $688,942,330 | 823 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 1,983 |
| Cost of funding earning assets | 0.9863% | 1,629 |
| Net interest margin | 3.7856% | 2,584 |
| Noninterest income to average assets | 0.7590% | 1,403 |
| Noninterest expense to average assets | 2.6728% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2662% | 1,827 |
| Return on assets (ROA) | 1.2662% | 1,875 |
| Pretax return on assets | 1.6943% | 1,223 |
| Return on Equity (ROE) | 10.0285% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.9072% | 1,702 |
| Net charge-offs to loans | -0.0239% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2029% | 3,650 |
| Assets per employee ($millions) | 5.5773% | 1,907 |
| Cash dividends to net income (ytd only)* | 21.1532% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,669 |
| Loan loss allowance to noncurrent loans | 212.0949% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 2,236 |
| Noncurrent loans to loans | 0.5584% | 2,649 |
| Net loans and leases to total assets | 76.2119% | 1,444 |
| Net loans and leases to deposits | 94.1553% | 1,158 |
| Net loans and leases to core deposits | 101.1656% | 1,526 |
| Total domestic deposits to total assets | 80.9428% | 3,980 |
| Equity capital to assets | 13.3924% | 1,252 |
| Core capital (leverage) ratio | 12.7116% | 1,393 |
| Tier 1 risk-based capital ratio | 17.9363% | 1,809 |
| Total risk-based capital ratio | 19.1867% | 1,773 |
| Memoranda: | ||
| Average total assets | $925,932,000 | 843 |
| Average earning assets | $882,493,500 | 816 |
| Average equity | $116,906,500 | 763 |
| Average total loans | $685,247,500 | 831 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 2,031 |
| Cost of funding earning assets | 0.9365% | 976 |
| Net interest margin | 3.7006% | 3,034 |
| Noninterest income to average assets | 0.7522% | 1,634 |
| Noninterest expense to average assets | 2.8454% | 2,533 |
| Loan and lease loss provision to assets | -0.0351% | 5,160 |
| Net operating income to assets | 1.0904% | 2,645 |
| Return on assets (ROA) | 1.0904% | 2,636 |
| Pretax return on assets | 1.4535% | 1,941 |
| Return on Equity (ROE) | 8.3086% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.3331% | 2,017 |
| Net charge-offs to loans | -0.0421% | 4,921 |
| Credit loss provision to net charge-offs | 103.8062% | 2,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7344% | 2,743 |
| Assets per employee ($millions) | 6.1047% | 1,450 |
| Cash dividends to net income (ytd only)* | 23.7763% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,773 |
| Loan loss allowance to noncurrent loans | 171.8978% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 2,129 |
| Noncurrent loans to loans | 0.6742% | 2,310 |
| Net loans and leases to total assets | 70.3497% | 2,519 |
| Net loans and leases to deposits | 87.2112% | 2,142 |
| Net loans and leases to core deposits | 93.3292% | 2,287 |
| Total domestic deposits to total assets | 80.6659% | 3,964 |
| Equity capital to assets | 11.9299% | 1,954 |
| Core capital (leverage) ratio | 13.5269% | 1,071 |
| Tier 1 risk-based capital ratio | 17.4148% | 1,915 |
| Total risk-based capital ratio | 18.6501% | 1,882 |
| Memoranda: | ||
| Average total assets | $854,347,800 | 890 |
| Average earning assets | $810,741,800 | 871 |
| Average equity | $112,124,600 | 764 |
| Average total loans | $685,867,200 | 805 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,754 |
| Cost of funding earning assets | 0.9279% | 812 |
| Net interest margin | 3.7455% | 2,845 |
| Noninterest income to average assets | 0.7605% | 1,628 |
| Noninterest expense to average assets | 2.9168% | 2,259 |
| Loan and lease loss provision to assets | -0.0485% | 5,286 |
| Net operating income to assets | 1.0577% | 2,837 |
| Return on assets (ROA) | 1.0577% | 2,848 |
| Pretax return on assets | 1.4387% | 2,092 |
| Return on Equity (ROE) | 7.8495% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.9372% | 2,688 |
| Net charge-offs to loans | -0.0584% | 4,989 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7220% | 2,589 |
| Assets per employee ($millions) | 5.3355% | 2,090 |
| Cash dividends to net income (ytd only)* | 24.3622% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,904 |
| Loan loss allowance to noncurrent loans | 139.9058% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 2,161 |
| Noncurrent loans to loans | 0.8216% | 2,062 |
| Net loans and leases to total assets | 77.8475% | 1,366 |
| Net loans and leases to deposits | 98.8968% | 871 |
| Net loans and leases to core deposits | 106.8437% | 1,243 |
| Total domestic deposits to total assets | 78.7158% | 4,377 |
| Equity capital to assets | 12.8279% | 1,407 |
| Core capital (leverage) ratio | 13.5546% | 1,085 |
| Tier 1 risk-based capital ratio | 16.8533% | 2,154 |
| Total risk-based capital ratio | 18.0978% | 2,107 |
| Memoranda: | ||
| Average total assets | $825,271,000 | 928 |
| Average earning assets | $781,427,500 | 896 |
| Average equity | $111,206,250 | 765 |
| Average total loans | $684,619,000 | 805 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,533 |
| Cost of funding earning assets | 0.9161% | 688 |
| Net interest margin | 3.7734% | 2,653 |
| Noninterest income to average assets | 0.7363% | 1,705 |
| Noninterest expense to average assets | 2.8577% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0433% | 2,836 |
| Return on assets (ROA) | 1.0433% | 2,835 |
| Pretax return on assets | 1.4455% | 2,002 |
| Return on Equity (ROE) | 7.6085% | 3,674 |
| Retained earnings to average equity (ytd only) | 5.8422% | 2,641 |
| Net charge-offs to loans | -0.0594% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4088% | 2,905 |
| Assets per employee ($millions) | 5.0740% | 2,321 |
| Cash dividends to net income (ytd only)* | 23.2143% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,825 |
| Loan loss allowance to noncurrent loans | 108.0026% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 1,560 |
| Noncurrent loans to loans | 1.0948% | 1,612 |
| Net loans and leases to total assets | 84.0824% | 453 |
| Net loans and leases to deposits | 110.0412% | 277 |
| Net loans and leases to core deposits | 120.1345% | 559 |
| Total domestic deposits to total assets | 76.4099% | 4,816 |
| Equity capital to assets | 13.6972% | 1,028 |
| Core capital (leverage) ratio | 13.5720% | 1,046 |
| Tier 1 risk-based capital ratio | 16.4393% | 2,273 |
| Total risk-based capital ratio | 17.6906% | 2,219 |
| Memoranda: | ||
| Average total assets | $805,129,330 | 949 |
| Average earning assets | $761,068,670 | 924 |
| Average equity | $110,403,000 | 769 |
| Average total loans | $680,322,000 | 809 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,318 |
| Cost of funding earning assets | 0.8895% | 629 |
| Net interest margin | 3.8072% | 2,399 |
| Noninterest income to average assets | 0.7022% | 1,819 |
| Noninterest expense to average assets | 2.8312% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0500% | 2,647 |
| Return on assets (ROA) | 1.0500% | 2,660 |
| Pretax return on assets | 1.4654% | 1,783 |
| Return on Equity (ROE) | 7.6530% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.9234% | 2,314 |
| Net charge-offs to loans | -0.0678% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8940% | 3,179 |
| Assets per employee ($millions) | 5.5758% | 1,868 |
| Cash dividends to net income (ytd only)* | 9.5329% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,776 |
| Loan loss allowance to noncurrent loans | 139.9002% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 2,054 |
| Noncurrent loans to loans | 0.8617% | 2,099 |
| Net loans and leases to total assets | 83.5682% | 485 |
| Net loans and leases to deposits | 112.5002% | 197 |
| Net loans and leases to core deposits | 123.6069% | 485 |
| Total domestic deposits to total assets | 74.2827% | 5,125 |
| Equity capital to assets | 13.8685% | 928 |
| Core capital (leverage) ratio | 13.5221% | 1,003 |
| Tier 1 risk-based capital ratio | 16.8448% | 2,164 |
| Total risk-based capital ratio | 18.0963% | 2,111 |
| Memoranda: | ||
| Average total assets | $799,234,000 | 964 |
| Average earning assets | $754,566,000 | 937 |
| Average equity | $109,657,000 | 778 |
| Average total loans | $672,930,500 | 812 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 2,016 |
| Cost of funding earning assets | 0.9323% | 314 |
| Net interest margin | 3.4728% | 3,614 |
| Noninterest income to average assets | 0.4515% | 3,302 |
| Noninterest expense to average assets | 2.6293% | 3,355 |
| Loan and lease loss provision to assets | -0.0823% | 5,455 |
| Net operating income to assets | 0.4670% | 4,468 |
| Return on assets (ROA) | 0.4672% | 4,500 |
| Pretax return on assets | 1.1129% | 3,132 |
| Return on Equity (ROE) | 3.4223% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.6622% | 3,730 |
| Net charge-offs to loans | 0.0415% | 2,951 |
| Credit loss provision to net charge-offs | -245.2830% | 4,838 |
| Earnings coverage of net charge-offs (x) | 30.7283% | 1,519 |
| Efficiency ratio | 71.8440% | 2,249 |
| Assets per employee ($millions) | 5.6818% | 1,763 |
| Cash dividends to net income (ytd only)* | 22.2102% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,821 |
| Loan loss allowance to noncurrent loans | 130.6551% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 1,916 |
| Noncurrent loans to loans | 0.9139% | 1,956 |
| Net loans and leases to total assets | 82.8070% | 588 |
| Net loans and leases to deposits | 109.6128% | 280 |
| Net loans and leases to core deposits | 121.5147% | 534 |
| Total domestic deposits to total assets | 75.5450% | 5,026 |
| Equity capital to assets | 13.5727% | 1,034 |
| Core capital (leverage) ratio | 13.4507% | 987 |
| Tier 1 risk-based capital ratio | 16.4595% | 2,282 |
| Total risk-based capital ratio | 17.7108% | 2,217 |
| Memoranda: | ||
| Average total assets | $790,258,400 | 944 |
| Average earning assets | $730,035,400 | 942 |
| Average equity | $107,879,200 | 760 |
| Average total loans | $637,976,600 | 823 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 2,087 |
| Cost of funding earning assets | 0.9512% | 256 |
| Net interest margin | 3.4058% | 3,832 |
| Noninterest income to average assets | 0.4256% | 3,511 |
| Noninterest expense to average assets | 2.6570% | 3,222 |
| Loan and lease loss provision to assets | -0.1100% | 5,595 |
| Net operating income to assets | 0.6399% | 4,229 |
| Return on assets (ROA) | 0.6401% | 4,284 |
| Pretax return on assets | 1.0080% | 3,655 |
| Return on Equity (ROE) | 4.6823% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.6823% | 3,090 |
| Net charge-offs to loans | 0.0813% | 1,989 |
| Credit loss provision to net charge-offs | -169.2708% | 4,597 |
| Earnings coverage of net charge-offs (x) | 13.8072% | 2,334 |
| Efficiency ratio | 74.7476% | 1,784 |
| Assets per employee ($millions) | 6.0431% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,901 |
| Loan loss allowance to noncurrent loans | 123.8902% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 1,822 |
| Noncurrent loans to loans | 0.9739% | 1,976 |
| Net loans and leases to total assets | 81.0681% | 828 |
| Net loans and leases to deposits | 108.4265% | 326 |
| Net loans and leases to core deposits | 119.3220% | 611 |
| Total domestic deposits to total assets | 74.7678% | 5,155 |
| Equity capital to assets | 13.7493% | 1,061 |
| Core capital (leverage) ratio | 13.3258% | 1,092 |
| Tier 1 risk-based capital ratio | 16.8215% | 2,213 |
| Total risk-based capital ratio | 18.0742% | 2,169 |
| Memoranda: | ||
| Average total assets | $787,541,000 | 950 |
| Average earning assets | $723,527,250 | 953 |
| Average equity | $107,665,250 | 763 |
| Average total loans | $629,619,000 | 837 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 2,086 |
| Cost of funding earning assets | 0.9681% | 201 |
| Net interest margin | 3.3440% | 3,971 |
| Noninterest income to average assets | 0.4333% | 3,464 |
| Noninterest expense to average assets | 2.7535% | 2,912 |
| Loan and lease loss provision to assets | -0.1658% | 5,695 |
| Net operating income to assets | 0.5496% | 4,524 |
| Return on assets (ROA) | 0.5496% | 4,565 |
| Pretax return on assets | 0.8955% | 3,952 |
| Return on Equity (ROE) | 4.0282% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.0282% | 3,315 |
| Net charge-offs to loans | 0.1938% | 1,039 |
| Credit loss provision to net charge-offs | -107.9734% | 4,358 |
| Earnings coverage of net charge-offs (x) | 4.7525% | 2,890 |
| Efficiency ratio | 79.0510% | 1,329 |
| Assets per employee ($millions) | 5.8960% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,941 |
| Loan loss allowance to noncurrent loans | 152.1998% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 2,247 |
| Noncurrent loans to loans | 0.7964% | 2,414 |
| Net loans and leases to total assets | 81.0372% | 810 |
| Net loans and leases to deposits | 107.4719% | 338 |
| Net loans and leases to core deposits | 116.1077% | 704 |
| Total domestic deposits to total assets | 75.4031% | 5,154 |
| Equity capital to assets | 13.9906% | 967 |
| Core capital (leverage) ratio | 13.2633% | 1,069 |
| Tier 1 risk-based capital ratio | 16.8671% | 2,187 |
| Total risk-based capital ratio | 18.1198% | 2,148 |
| Memoranda: | ||
| Average total assets | $784,156,670 | 959 |
| Average earning assets | $715,184,330 | 967 |
| Average equity | $106,994,670 | 770 |
| Average total loans | $621,301,000 | 846 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,253 |
| Cost of funding earning assets | 0.9915% | 171 |
| Net interest margin | 3.2161% | 4,286 |
| Noninterest income to average assets | 0.5134% | 2,888 |
| Noninterest expense to average assets | 2.6793% | 3,218 |
| Loan and lease loss provision to assets | -0.1392% | 5,770 |
| Net operating income to assets | 0.5782% | 4,244 |
| Return on assets (ROA) | 0.5782% | 4,290 |
| Pretax return on assets | 0.8916% | 3,803 |
| Return on Equity (ROE) | 4.2907% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.2907% | 3,288 |
| Net charge-offs to loans | 0.2360% | 763 |
| Credit loss provision to net charge-offs | -75.7576% | 3,907 |
| Earnings coverage of net charge-offs (x) | 4.0937% | 2,421 |
| Efficiency ratio | 78.0761% | 1,618 |
| Assets per employee ($millions) | 5.2689% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,276 |
| Loan loss allowance to noncurrent loans | 109.2034% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 1,601 |
| Noncurrent loans to loans | 1.2427% | 1,624 |
| Net loans and leases to total assets | 75.7733% | 1,449 |
| Net loans and leases to deposits | 101.0093% | 550 |
| Net loans and leases to core deposits | 107.4407% | 1,004 |
| Total domestic deposits to total assets | 75.0162% | 5,331 |
| Equity capital to assets | 13.4521% | 1,086 |
| Core capital (leverage) ratio | 12.8647% | 1,199 |
| Tier 1 risk-based capital ratio | 16.9159% | 2,210 |
| Total risk-based capital ratio | 18.1707% | 2,166 |
| Memoranda: | ||
| Average total assets | $790,047,500 | 954 |
| Average earning assets | $716,890,000 | 964 |
| Average equity | $106,462,000 | 767 |
| Average total loans | $615,156,000 | 854 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,787 |
| Cost of funding earning assets | 1.0906% | 103 |
| Net interest margin | 3.3196% | 4,087 |
| Noninterest income to average assets | 0.7260% | 2,049 |
| Noninterest expense to average assets | 2.9006% | 2,666 |
| Loan and lease loss provision to assets | -0.0452% | 5,578 |
| Net operating income to assets | 2.0166% | 306 |
| Return on assets (ROA) | 2.0166% | 320 |
| Pretax return on assets | 0.8552% | 3,992 |
| Return on Equity (ROE) | 14.0262% | 767 |
| Retained earnings to average equity (ytd only) | -6.6468% | 5,721 |
| Net charge-offs to loans | -0.0911% | 5,564 |
| Credit loss provision to net charge-offs | 62.1670% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1709% | 1,670 |
| Assets per employee ($millions) | 5.4860% | 1,876 |
| Cash dividends to net income (ytd only)* | 147.3887% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,900 |
| Loan loss allowance to noncurrent loans | 94.6186% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 1,314 |
| Noncurrent loans to loans | 1.5246% | 1,311 |
| Net loans and leases to total assets | 77.7868% | 1,228 |
| Net loans and leases to deposits | 105.8266% | 349 |
| Net loans and leases to core deposits | 114.5020% | 679 |
| Total domestic deposits to total assets | 73.5040% | 5,473 |
| Equity capital to assets | 13.4990% | 1,049 |
| Core capital (leverage) ratio | 12.9230% | 1,161 |
| Tier 1 risk-based capital ratio | 16.5056% | 2,352 |
| Total risk-based capital ratio | 17.7642% | 2,285 |
| Memoranda: | ||
| Average total assets | $773,840,800 | 933 |
| Average earning assets | $695,754,600 | 958 |
| Average equity | $111,255,800 | 719 |
| Average total loans | $617,834,400 | 810 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 1,850 |
| Cost of funding earning assets | 1.0966% | 98 |
| Net interest margin | 3.3072% | 4,168 |
| Noninterest income to average assets | 0.7255% | 2,057 |
| Noninterest expense to average assets | 2.8994% | 2,649 |
| Loan and lease loss provision to assets | 0.0259% | 3,722 |
| Net operating income to assets | 2.5607% | 148 |
| Return on assets (ROA) | 2.5607% | 152 |
| Pretax return on assets | 0.7785% | 4,380 |
| Return on Equity (ROE) | 17.5385% | 391 |
| Retained earnings to average equity (ytd only) | -9.6970% | 5,845 |
| Net charge-offs to loans | -0.0168% | 4,952 |
| Credit loss provision to net charge-offs | -192.3077% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2804% | 1,651 |
| Assets per employee ($millions) | 5.2296% | 2,113 |
| Cash dividends to net income (ytd only)* | 155.2900% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 2,045 |
| Loan loss allowance to noncurrent loans | 114.4703% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 1,686 |
| Noncurrent loans to loans | 1.2523% | 1,787 |
| Net loans and leases to total assets | 79.4861% | 968 |
| Net loans and leases to deposits | 109.7920% | 263 |
| Net loans and leases to core deposits | 120.8076% | 479 |
| Total domestic deposits to total assets | 72.3970% | 5,574 |
| Equity capital to assets | 13.5797% | 1,205 |
| Core capital (leverage) ratio | 12.6947% | 1,312 |
| Tier 1 risk-based capital ratio | 16.2637% | 2,517 |
| Total risk-based capital ratio | 17.5228% | 2,462 |
| Memoranda: | ||
| Average total assets | $771,177,000 | 936 |
| Average earning assets | $694,516,000 | 960 |
| Average equity | $112,595,000 | 712 |
| Average total loans | $617,501,500 | 802 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 1,970 |
| Cost of funding earning assets | 1.0887% | 95 |
| Net interest margin | 3.2661% | 4,331 |
| Noninterest income to average assets | 0.6930% | 2,176 |
| Noninterest expense to average assets | 2.8718% | 2,770 |
| Loan and lease loss provision to assets | 0.0260% | 3,614 |
| Net operating income to assets | 3.5186% | 66 |
| Return on assets (ROA) | 3.5186% | 66 |
| Pretax return on assets | 0.7382% | 4,501 |
| Return on Equity (ROE) | 23.5481% | 118 |
| Retained earnings to average equity (ytd only) | 7.0396% | 1,582 |
| Net charge-offs to loans | 0.0172% | 3,167 |
| Credit loss provision to net charge-offs | 188.6792% | 1,355 |
| Earnings coverage of net charge-offs (x) | 55.5283% | 923 |
| Efficiency ratio | 78.9831% | 1,639 |
| Assets per employee ($millions) | 5.3751% | 1,910 |
| Cash dividends to net income (ytd only)* | 70.1055% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 2,334 |
| Loan loss allowance to noncurrent loans | 96.9476% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 1,578 |
| Noncurrent loans to loans | 1.4354% | 1,542 |
| Net loans and leases to total assets | 78.6122% | 1,124 |
| Net loans and leases to deposits | 113.7623% | 180 |
| Net loans and leases to core deposits | 122.0500% | 459 |
| Total domestic deposits to total assets | 69.1021% | 5,810 |
| Equity capital to assets | 14.8511% | 767 |
| Core capital (leverage) ratio | 14.2842% | 751 |
| Tier 1 risk-based capital ratio | 18.5092% | 1,800 |
| Total risk-based capital ratio | 19.7689% | 1,761 |
| Memoranda: | ||
| Average total assets | $770,243,670 | 933 |
| Average earning assets | $694,047,000 | 959 |
| Average equity | $115,092,000 | 695 |
| Average total loans | $615,285,000 | 807 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 1,981 |
| Cost of funding earning assets | 1.0909% | 98 |
| Net interest margin | 3.2535% | 4,388 |
| Noninterest income to average assets | 0.5472% | 2,825 |
| Noninterest expense to average assets | 2.7900% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7071% | 3,680 |
| Return on assets (ROA) | 0.7071% | 3,794 |
| Pretax return on assets | 0.7071% | 4,502 |
| Return on Equity (ROE) | 4.7172% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.7172% | 3,108 |
| Net charge-offs to loans | 0.0816% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.8387% | 1,901 |
| Efficiency ratio | 79.7804% | 1,637 |
| Assets per employee ($millions) | 5.1475% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 2,335 |
| Loan loss allowance to noncurrent loans | 108.1404% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 1,701 |
| Noncurrent loans to loans | 1.3123% | 1,826 |
| Net loans and leases to total assets | 78.3699% | 1,051 |
| Net loans and leases to deposits | 112.6266% | 172 |
| Net loans and leases to core deposits | 119.0447% | 494 |
| Total domestic deposits to total assets | 69.5838% | 5,882 |
| Equity capital to assets | 15.0477% | 681 |
| Core capital (leverage) ratio | 15.0295% | 598 |
| Tier 1 risk-based capital ratio | 20.6280% | 1,381 |
| Total risk-based capital ratio | 21.8820% | 1,357 |
| Memoranda: | ||
| Average total assets | $760,294,500 | 944 |
| Average earning assets | $689,357,000 | 960 |
| Average equity | $113,965,500 | 701 |
| Average total loans | $607,970,500 | 816 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 1,766 |
| Cost of funding earning assets | 1.0962% | 105 |
| Net interest margin | 3.3458% | 4,127 |
| Noninterest income to average assets | 0.7945% | 1,808 |
| Noninterest expense to average assets | 3.0715% | 2,319 |
| Loan and lease loss provision to assets | -0.0298% | 5,688 |
| Net operating income to assets | 0.7744% | 3,448 |
| Return on assets (ROA) | 0.7744% | 3,524 |
| Pretax return on assets | 0.7859% | 4,234 |
| Return on Equity (ROE) | 5.4204% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.4204% | 2,128 |
| Net charge-offs to loans | 0.0636% | 2,952 |
| Credit loss provision to net charge-offs | -57.7889% | 5,065 |
| Earnings coverage of net charge-offs (x) | 14.6633% | 2,274 |
| Efficiency ratio | 80.2457% | 1,638 |
| Assets per employee ($millions) | 4.9918% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 2,298 |
| Loan loss allowance to noncurrent loans | 100.3799% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 1,527 |
| Noncurrent loans to loans | 1.4232% | 1,634 |
| Net loans and leases to total assets | 79.2850% | 949 |
| Net loans and leases to deposits | 113.8672% | 169 |
| Net loans and leases to core deposits | 119.8135% | 483 |
| Total domestic deposits to total assets | 69.6293% | 5,907 |
| Equity capital to assets | 14.9314% | 682 |
| Core capital (leverage) ratio | 14.8334% | 647 |
| Tier 1 risk-based capital ratio | 19.5736% | 1,570 |
| Total risk-based capital ratio | 20.8271% | 1,537 |
| Memoranda: | ||
| Average total assets | $771,849,800 | 897 |
| Average earning assets | $699,708,200 | 917 |
| Average equity | $110,268,000 | 694 |
| Average total loans | $626,089,000 | 748 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,691 |
| Cost of funding earning assets | 1.0953% | 105 |
| Net interest margin | 3.3749% | 4,057 |
| Noninterest income to average assets | 0.8243% | 1,708 |
| Noninterest expense to average assets | 3.0429% | 2,390 |
| Loan and lease loss provision to assets | 0.0344% | 3,535 |
| Net operating income to assets | 0.7859% | 3,494 |
| Return on assets (ROA) | 0.7859% | 3,583 |
| Pretax return on assets | 0.8009% | 4,335 |
| Return on Equity (ROE) | 5.5627% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.5627% | 2,544 |
| Net charge-offs to loans | 0.2002% | 1,288 |
| Credit loss provision to net charge-offs | 21.1416% | 3,355 |
| Earnings coverage of net charge-offs (x) | 5.1332% | 3,252 |
| Efficiency ratio | 78.4618% | 1,893 |
| Assets per employee ($millions) | 5.1379% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 2,535 |
| Loan loss allowance to noncurrent loans | 100.5495% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3590% | 1,710 |
| Noncurrent loans to loans | 1.4052% | 1,808 |
| Net loans and leases to total assets | 77.8678% | 1,121 |
| Net loans and leases to deposits | 110.8569% | 236 |
| Net loans and leases to core deposits | 118.1444% | 524 |
| Total domestic deposits to total assets | 70.2417% | 5,959 |
| Equity capital to assets | 14.5174% | 852 |
| Core capital (leverage) ratio | 14.3761% | 760 |
| Tier 1 risk-based capital ratio | 19.1048% | 1,747 |
| Total risk-based capital ratio | 20.3582% | 1,711 |
| Memoranda: | ||
| Average total assets | $775,122,750 | 896 |
| Average earning assets | $701,400,250 | 915 |
| Average equity | $109,511,750 | 702 |
| Average total loans | $630,036,250 | 748 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 1,744 |
| Cost of funding earning assets | 1.0843% | 107 |
| Net interest margin | 3.3463% | 4,117 |
| Noninterest income to average assets | 0.8723% | 1,536 |
| Noninterest expense to average assets | 3.0806% | 2,301 |
| Loan and lease loss provision to assets | 0.0515% | 3,086 |
| Net operating income to assets | 0.7656% | 3,556 |
| Return on assets (ROA) | 0.7656% | 3,661 |
| Pretax return on assets | 0.7747% | 4,407 |
| Return on Equity (ROE) | 5.4690% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.4690% | 2,552 |
| Net charge-offs to loans | 0.2169% | 1,174 |
| Credit loss provision to net charge-offs | 28.9436% | 2,935 |
| Earnings coverage of net charge-offs (x) | 4.6425% | 3,016 |
| Efficiency ratio | 78.8530% | 1,940 |
| Assets per employee ($millions) | 5.0891% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 2,659 |
| Loan loss allowance to noncurrent loans | 89.9817% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 1,597 |
| Noncurrent loans to loans | 1.5789% | 1,669 |
| Net loans and leases to total assets | 78.9169% | 950 |
| Net loans and leases to deposits | 111.4050% | 232 |
| Net loans and leases to core deposits | 118.9123% | 498 |
| Total domestic deposits to total assets | 70.8379% | 5,997 |
| Equity capital to assets | 14.1645% | 930 |
| Core capital (leverage) ratio | 14.1429% | 801 |
| Tier 1 risk-based capital ratio | 19.1923% | 1,753 |
| Total risk-based capital ratio | 20.4463% | 1,717 |
| Memoranda: | ||
| Average total assets | $776,601,330 | 899 |
| Average earning assets | $704,239,000 | 908 |
| Average equity | $108,721,000 | 711 |
| Average total loans | $637,142,330 | 737 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 1,603 |
| Cost of funding earning assets | 1.0770% | 114 |
| Net interest margin | 3.3757% | 3,931 |
| Noninterest income to average assets | 0.5302% | 3,089 |
| Noninterest expense to average assets | 2.9031% | 2,896 |
| Loan and lease loss provision to assets | 0.0516% | 2,905 |
| Net operating income to assets | 0.6405% | 4,086 |
| Return on assets (ROA) | 0.6405% | 4,209 |
| Pretax return on assets | 0.6405% | 4,796 |
| Return on Equity (ROE) | 4.6027% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.6027% | 3,267 |
| Net charge-offs to loans | 0.3540% | 692 |
| Credit loss provision to net charge-offs | 17.5439% | 2,382 |
| Earnings coverage of net charge-offs (x) | 2.3544% | 2,772 |
| Efficiency ratio | 80.7488% | 1,794 |
| Assets per employee ($millions) | 5.0224% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,967 |
| Loan loss allowance to noncurrent loans | 66.7795% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.9916% | 1,189 |
| Noncurrent loans to loans | 2.0792% | 1,240 |
| Net loans and leases to total assets | 80.9843% | 570 |
| Net loans and leases to deposits | 114.0198% | 158 |
| Net loans and leases to core deposits | 120.6326% | 399 |
| Total domestic deposits to total assets | 71.0265% | 6,085 |
| Equity capital to assets | 13.9449% | 1,001 |
| Core capital (leverage) ratio | 14.0058% | 823 |
| Tier 1 risk-based capital ratio | 19.5198% | 1,733 |
| Total risk-based capital ratio | 20.7742% | 1,686 |
| Memoranda: | ||
| Average total assets | $775,587,000 | 904 |
| Average earning assets | $704,210,000 | 912 |
| Average equity | $107,937,000 | 714 |
| Average total loans | $644,050,000 | 724 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,841 |
| Cost of funding earning assets | 1.0729% | 157 |
| Net interest margin | 3.4334% | 4,051 |
| Noninterest income to average assets | 0.5886% | 2,929 |
| Noninterest expense to average assets | 3.0422% | 2,717 |
| Loan and lease loss provision to assets | 0.1088% | 2,344 |
| Net operating income to assets | 0.5271% | 4,692 |
| Return on assets (ROA) | 0.5271% | 4,783 |
| Pretax return on assets | 0.5282% | 5,173 |
| Return on Equity (ROE) | 3.9294% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.9294% | 3,415 |
| Net charge-offs to loans | 0.4994% | 823 |
| Credit loss provision to net charge-offs | 27.1132% | 3,885 |
| Earnings coverage of net charge-offs (x) | 1.5879% | 4,387 |
| Efficiency ratio | 82.6882% | 1,571 |
| Assets per employee ($millions) | 5.0526% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 2,738 |
| Loan loss allowance to noncurrent loans | 72.2278% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.9259% | 1,335 |
| Noncurrent loans to loans | 1.9947% | 1,392 |
| Net loans and leases to total assets | 82.7155% | 458 |
| Net loans and leases to deposits | 116.6008% | 130 |
| Net loans and leases to core deposits | 124.0440% | 318 |
| Total domestic deposits to total assets | 70.9390% | 6,149 |
| Equity capital to assets | 13.8822% | 1,001 |
| Core capital (leverage) ratio | 13.8376% | 856 |
| Tier 1 risk-based capital ratio | 19.3916% | 1,751 |
| Total risk-based capital ratio | 20.6489% | 1,716 |
| Memoranda: | ||
| Average total assets | $781,565,400 | 866 |
| Average earning assets | $703,527,400 | 872 |
| Average equity | $104,850,400 | 695 |
| Average total loans | $627,694,200 | 697 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,926 |
| Cost of funding earning assets | 1.0689% | 175 |
| Net interest margin | 3.4173% | 4,162 |
| Noninterest income to average assets | 0.5305% | 3,318 |
| Noninterest expense to average assets | 3.1394% | 2,351 |
| Loan and lease loss provision to assets | 0.0766% | 2,805 |
| Net operating income to assets | 0.3765% | 5,336 |
| Return on assets (ROA) | 0.3765% | 5,414 |
| Pretax return on assets | 0.3779% | 5,630 |
| Return on Equity (ROE) | 2.8307% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.8307% | 4,590 |
| Net charge-offs to loans | 0.6186% | 585 |
| Credit loss provision to net charge-offs | 15.5817% | 3,626 |
| Earnings coverage of net charge-offs (x) | 0.9249% | 4,276 |
| Efficiency ratio | 87.3556% | 1,063 |
| Assets per employee ($millions) | 4.8748% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,979 |
| Loan loss allowance to noncurrent loans | 81.5288% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.0972% | 1,336 |
| Noncurrent loans to loans | 1.7699% | 1,835 |
| Net loans and leases to total assets | 82.0502% | 499 |
| Net loans and leases to deposits | 115.9097% | 131 |
| Net loans and leases to core deposits | 122.7079% | 335 |
| Total domestic deposits to total assets | 70.7880% | 6,244 |
| Equity capital to assets | 13.7727% | 1,081 |
| Core capital (leverage) ratio | 13.7270% | 920 |
| Tier 1 risk-based capital ratio | 19.0459% | 1,897 |
| Total risk-based capital ratio | 20.3040% | 1,860 |
| Memoranda: | ||
| Average total assets | $783,694,250 | 863 |
| Average earning assets | $702,530,250 | 877 |
| Average equity | $104,234,000 | 700 |
| Average total loans | $622,423,000 | 695 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,014 |
| Cost of funding earning assets | 1.0648% | 180 |
| Net interest margin | 3.3796% | 4,262 |
| Noninterest income to average assets | 0.4839% | 3,604 |
| Noninterest expense to average assets | 3.2441% | 2,066 |
| Loan and lease loss provision to assets | 0.0506% | 3,289 |
| Net operating income to assets | 0.2021% | 5,829 |
| Return on assets (ROA) | 0.2021% | 5,888 |
| Pretax return on assets | 0.2041% | 5,941 |
| Return on Equity (ROE) | 1.5369% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.5369% | 5,128 |
| Net charge-offs to loans | 0.3537% | 1,163 |
| Credit loss provision to net charge-offs | 18.3150% | 3,220 |
| Earnings coverage of net charge-offs (x) | 0.9212% | 3,935 |
| Efficiency ratio | 92.7191% | 719 |
| Assets per employee ($millions) | 5.0946% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 2,003 |
| Loan loss allowance to noncurrent loans | 80.5037% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.3935% | 1,204 |
| Noncurrent loans to loans | 2.1627% | 1,531 |
| Net loans and leases to total assets | 77.2561% | 1,014 |
| Net loans and leases to deposits | 107.7769% | 253 |
| Net loans and leases to core deposits | 113.7016% | 553 |
| Total domestic deposits to total assets | 71.6815% | 6,273 |
| Equity capital to assets | 13.2548% | 1,244 |
| Core capital (leverage) ratio | 13.2101% | 1,081 |
| Tier 1 risk-based capital ratio | 18.8462% | 1,959 |
| Total risk-based capital ratio | 20.1050% | 1,923 |
| Memoranda: | ||
| Average total assets | $789,809,000 | 858 |
| Average earning assets | $704,572,330 | 872 |
| Average equity | $103,842,330 | 702 |
| Average total loans | $617,509,000 | 698 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 1,918 |
| Cost of funding earning assets | 1.0622% | 198 |
| Net interest margin | 3.4032% | 4,101 |
| Noninterest income to average assets | 0.4705% | 3,624 |
| Noninterest expense to average assets | 2.8283% | 3,459 |
| Loan and lease loss provision to assets | 0.1010% | 2,239 |
| Net operating income to assets | 0.5760% | 4,315 |
| Return on assets (ROA) | 0.5760% | 4,385 |
| Pretax return on assets | 0.5800% | 4,897 |
| Return on Equity (ROE) | 4.3983% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.3983% | 3,487 |
| Net charge-offs to loans | 0.4623% | 787 |
| Credit loss provision to net charge-offs | 28.0112% | 2,412 |
| Earnings coverage of net charge-offs (x) | 1.8894% | 3,000 |
| Efficiency ratio | 80.5955% | 2,114 |
| Assets per employee ($millions) | 4.9969% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 2,061 |
| Loan loss allowance to noncurrent loans | 91.4084% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.2131% | 1,495 |
| Noncurrent loans to loans | 1.9639% | 1,912 |
| Net loans and leases to total assets | 77.0368% | 881 |
| Net loans and leases to deposits | 106.9744% | 213 |
| Net loans and leases to core deposits | 113.1693% | 488 |
| Total domestic deposits to total assets | 72.0142% | 6,360 |
| Equity capital to assets | 13.2153% | 1,204 |
| Core capital (leverage) ratio | 13.1707% | 1,101 |
| Tier 1 risk-based capital ratio | 18.5764% | 2,099 |
| Total risk-based capital ratio | 19.8354% | 2,062 |
| Memoranda: | ||
| Average total assets | $792,426,000 | 863 |
| Average earning assets | $707,573,500 | 877 |
| Average equity | $103,766,500 | 703 |
| Average total loans | $617,827,500 | 700 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,796 |
| Cost of funding earning assets | 1.1438% | 228 |
| Net interest margin | 3.4779% | 3,992 |
| Noninterest income to average assets | -0.0853% | 6,713 |
| Noninterest expense to average assets | 2.8570% | 3,506 |
| Loan and lease loss provision to assets | 1.9957% | 48 |
| Net operating income to assets | -2.9234% | 6,759 |
| Return on assets (ROA) | -2.9234% | 6,758 |
| Pretax return on assets | -1.8760% | 6,699 |
| Return on Equity (ROE) | -20.3205% | 6,686 |
| Retained earnings to average equity (ytd only) | -20.3205% | 6,669 |
| Net charge-offs to loans | 3.3247% | 62 |
| Credit loss provision to net charge-offs | 77.0164% | 3,115 |
| Earnings coverage of net charge-offs (x) | 0.0462% | 5,076 |
| Efficiency ratio | 95.9774% | 640 |
| Assets per employee ($millions) | 4.9709% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 1,810 |
| Loan loss allowance to noncurrent loans | 101.3505% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.5397% | 1,339 |
| Noncurrent loans to loans | 1.8622% | 2,153 |
| Net loans and leases to total assets | 76.0292% | 1,069 |
| Net loans and leases to deposits | 105.1063% | 295 |
| Net loans and leases to core deposits | 110.9212% | 578 |
| Total domestic deposits to total assets | 72.3355% | 6,404 |
| Equity capital to assets | 12.9751% | 1,282 |
| Core capital (leverage) ratio | 12.9307% | 1,168 |
| Tier 1 risk-based capital ratio | 18.6245% | 2,041 |
| Total risk-based capital ratio | 19.7597% | 2,049 |
| Memoranda: | ||
| Average total assets | $826,766,000 | 801 |
| Average earning assets | $727,910,200 | 838 |
| Average equity | $118,943,800 | 600 |
| Average total loans | $644,386,800 | 654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,652 |
| Cost of funding earning assets | 1.1541% | 239 |
| Net interest margin | 3.5254% | 3,773 |
| Noninterest income to average assets | 0.3075% | 5,242 |
| Noninterest expense to average assets | 2.9953% | 3,011 |
| Loan and lease loss provision to assets | 2.0448% | 38 |
| Net operating income to assets | -3.0212% | 6,851 |
| Return on assets (ROA) | -3.0212% | 6,851 |
| Pretax return on assets | -1.6377% | 6,768 |
| Return on Equity (ROE) | -20.5202% | 6,777 |
| Retained earnings to average equity (ytd only) | -20.5202% | 6,763 |
| Net charge-offs to loans | 3.5191% | 58 |
| Credit loss provision to net charge-offs | 74.4489% | 2,976 |
| Earnings coverage of net charge-offs (x) | 0.1482% | 4,813 |
| Efficiency ratio | 88.0364% | 1,171 |
| Assets per employee ($millions) | 5.1960% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 1,751 |
| Loan loss allowance to noncurrent loans | 46.2947% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 4.9224% | 572 |
| Noncurrent loans to loans | 4.2920% | 793 |
| Net loans and leases to total assets | 74.0190% | 1,289 |
| Net loans and leases to deposits | 102.6282% | 345 |
| Net loans and leases to core deposits | 108.3329% | 654 |
| Total domestic deposits to total assets | 72.1234% | 6,484 |
| Equity capital to assets | 13.3799% | 1,170 |
| Core capital (leverage) ratio | 13.3369% | 1,084 |
| Tier 1 risk-based capital ratio | 18.7816% | 2,052 |
| Total risk-based capital ratio | 20.0333% | 2,016 |
| Memoranda: | ||
| Average total assets | $834,623,250 | 795 |
| Average earning assets | $732,687,500 | 832 |
| Average equity | $122,880,750 | 581 |
| Average total loans | $651,403,500 | 647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 1,521 |
| Cost of funding earning assets | 1.1550% | 251 |
| Net interest margin | 3.5629% | 3,511 |
| Noninterest income to average assets | 0.5839% | 3,295 |
| Noninterest expense to average assets | 3.0903% | 2,690 |
| Loan and lease loss provision to assets | 0.1424% | 2,551 |
| Net operating income to assets | 0.2846% | 5,645 |
| Return on assets (ROA) | 0.2846% | 5,788 |
| Pretax return on assets | 0.4695% | 5,462 |
| Return on Equity (ROE) | 1.8780% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.8780% | 5,073 |
| Net charge-offs to loans | 1.3752% | 410 |
| Credit loss provision to net charge-offs | 13.1320% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.5642% | 4,348 |
| Efficiency ratio | 83.4722% | 1,697 |
| Assets per employee ($millions) | 5.8047% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 2,027 |
| Loan loss allowance to noncurrent loans | 26.1179% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 7.3564% | 314 |
| Noncurrent loans to loans | 7.3824% | 303 |
| Net loans and leases to total assets | 76.5931% | 914 |
| Net loans and leases to deposits | 108.5543% | 170 |
| Net loans and leases to core deposits | 114.2525% | 429 |
| Total domestic deposits to total assets | 70.5574% | 6,637 |
| Equity capital to assets | 15.3809% | 638 |
| Core capital (leverage) ratio | 14.9440% | 620 |
| Tier 1 risk-based capital ratio | 20.2836% | 1,656 |
| Total risk-based capital ratio | 21.5226% | 1,637 |
| Memoranda: | ||
| Average total assets | $842,638,670 | 793 |
| Average earning assets | $737,499,000 | 825 |
| Average equity | $127,689,670 | 564 |
| Average total loans | $664,490,000 | 629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 1,275 |
| Cost of funding earning assets | 1.1632% | 269 |
| Net interest margin | 3.6440% | 3,094 |
| Noninterest income to average assets | 0.5801% | 3,250 |
| Noninterest expense to average assets | 3.0188% | 2,925 |
| Loan and lease loss provision to assets | 0.1418% | 2,466 |
| Net operating income to assets | 0.3574% | 5,318 |
| Return on assets (ROA) | 0.3574% | 5,458 |
| Pretax return on assets | 0.5995% | 4,947 |
| Return on Equity (ROE) | 2.3764% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.3764% | 4,840 |
| Net charge-offs to loans | 0.8939% | 679 |
| Credit loss provision to net charge-offs | 20.0267% | 3,030 |
| Earnings coverage of net charge-offs (x) | 1.0467% | 3,491 |
| Efficiency ratio | 80.2842% | 2,289 |
| Assets per employee ($millions) | 6.0014% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 1,392 |
| Loan loss allowance to noncurrent loans | 40.3786% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 6.2551% | 501 |
| Noncurrent loans to loans | 5.7277% | 608 |
| Net loans and leases to total assets | 76.6599% | 758 |
| Net loans and leases to deposits | 108.2525% | 153 |
| Net loans and leases to core deposits | 113.6125% | 400 |
| Total domestic deposits to total assets | 70.8159% | 6,719 |
| Equity capital to assets | 15.1409% | 722 |
| Core capital (leverage) ratio | 14.7411% | 629 |
| Tier 1 risk-based capital ratio | 19.9431% | 1,787 |
| Total risk-based capital ratio | 21.2097% | 1,752 |
| Memoranda: | ||
| Average total assets | $846,020,000 | 793 |
| Average earning assets | $738,312,000 | 829 |
| Average equity | $127,252,000 | 572 |
| Average total loans | $670,330,000 | 627 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 1,404 |
| Cost of funding earning assets | 1.5196% | 148 |
| Net interest margin | 3.5392% | 4,345 |
| Noninterest income to average assets | 0.3754% | 4,790 |
| Noninterest expense to average assets | 2.6471% | 4,579 |
| Loan and lease loss provision to assets | 0.0872% | 4,607 |
| Net operating income to assets | 0.4836% | 4,750 |
| Return on assets (ROA) | 0.4836% | 5,003 |
| Pretax return on assets | 0.7443% | 4,498 |
| Return on Equity (ROE) | 3.4199% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.4199% | 3,820 |
| Net charge-offs to loans | 1.4560% | 622 |
| Credit loss provision to net charge-offs | 7.6203% | 5,420 |
| Earnings coverage of net charge-offs (x) | 0.7264% | 5,116 |
| Efficiency ratio | 76.0957% | 2,721 |
| Assets per employee ($millions) | 6.0852% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 1,185 |
| Loan loss allowance to noncurrent loans | 28.8011% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 8.1486% | 330 |
| Noncurrent loans to loans | 8.4959% | 330 |
| Net loans and leases to total assets | 78.0348% | 674 |
| Net loans and leases to deposits | 109.4203% | 164 |
| Net loans and leases to core deposits | 114.8006% | 391 |
| Total domestic deposits to total assets | 71.3166% | 6,724 |
| Equity capital to assets | 14.9416% | 751 |
| Core capital (leverage) ratio | 14.4889% | 675 |
| Tier 1 risk-based capital ratio | 19.4246% | 1,838 |
| Total risk-based capital ratio | 20.6604% | 1,804 |
| Memoranda: | ||
| Average total assets | $876,914,600 | 752 |
| Average earning assets | $768,892,600 | 775 |
| Average equity | $124,008,800 | 581 |
| Average total loans | $689,484,600 | 602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 1,516 |
| Cost of funding earning assets | 1.5948% | 128 |
| Net interest margin | 3.4688% | 4,764 |
| Noninterest income to average assets | 0.6580% | 2,948 |
| Noninterest expense to average assets | 2.9868% | 3,279 |
| Loan and lease loss provision to assets | 0.0701% | 4,793 |
| Net operating income to assets | 0.3846% | 5,311 |
| Return on assets (ROA) | 0.3846% | 5,522 |
| Pretax return on assets | 0.6494% | 5,014 |
| Return on Equity (ROE) | 2.7570% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.7570% | 4,903 |
| Net charge-offs to loans | 1.9979% | 362 |
| Credit loss provision to net charge-offs | 4.4798% | 5,135 |
| Earnings coverage of net charge-offs (x) | 0.4599% | 5,090 |
| Efficiency ratio | 80.5872% | 2,004 |
| Assets per employee ($millions) | 6.6304% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 1,470 |
| Loan loss allowance to noncurrent loans | 46.3589% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 5.6273% | 747 |
| Noncurrent loans to loans | 5.0148% | 898 |
| Net loans and leases to total assets | 78.1766% | 713 |
| Net loans and leases to deposits | 109.2453% | 172 |
| Net loans and leases to core deposits | 116.8713% | 369 |
| Total domestic deposits to total assets | 71.5606% | 6,761 |
| Equity capital to assets | 14.5785% | 943 |
| Core capital (leverage) ratio | 14.0620% | 816 |
| Tier 1 risk-based capital ratio | 18.7014% | 2,102 |
| Total risk-based capital ratio | 19.9580% | 2,065 |
| Memoranda: | ||
| Average total assets | $884,681,500 | 748 |
| Average earning assets | $777,433,000 | 773 |
| Average equity | $123,415,250 | 584 |
| Average total loans | $692,703,000 | 598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 1,234 |
| Cost of funding earning assets | 1.6494% | 125 |
| Net interest margin | 3.5568% | 4,435 |
| Noninterest income to average assets | 0.7115% | 2,603 |
| Noninterest expense to average assets | 3.0224% | 3,177 |
| Loan and lease loss provision to assets | 0.1040% | 4,226 |
| Net operating income to assets | 0.4239% | 5,131 |
| Return on assets (ROA) | 0.4239% | 5,364 |
| Pretax return on assets | 0.7110% | 4,801 |
| Return on Equity (ROE) | 3.0832% | 5,663 |
| Retained earnings to average equity (ytd only) | 3.0832% | 4,589 |
| Net charge-offs to loans | 2.7215% | 237 |
| Credit loss provision to net charge-offs | 4.9139% | 4,786 |
| Earnings coverage of net charge-offs (x) | 0.3852% | 4,888 |
| Efficiency ratio | 78.7612% | 2,356 |
| Assets per employee ($millions) | 6.9107% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4693% | 1,323 |
| Loan loss allowance to noncurrent loans | 54.9706% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 5.2664% | 876 |
| Noncurrent loans to loans | 4.4919% | 1,181 |
| Net loans and leases to total assets | 74.5766% | 1,160 |
| Net loans and leases to deposits | 102.3004% | 329 |
| Net loans and leases to core deposits | 108.6664% | 633 |
| Total domestic deposits to total assets | 72.8996% | 6,752 |
| Equity capital to assets | 13.9137% | 1,135 |
| Core capital (leverage) ratio | 13.3223% | 1,045 |
| Tier 1 risk-based capital ratio | 18.4492% | 2,148 |
| Total risk-based capital ratio | 19.7163% | 2,100 |
| Memoranda: | ||
| Average total assets | $894,469,000 | 741 |
| Average earning assets | $786,096,670 | 766 |
| Average equity | $122,989,330 | 585 |
| Average total loans | $695,412,670 | 594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 1,395 |
| Cost of funding earning assets | 1.6905% | 128 |
| Net interest margin | 3.4749% | 4,812 |
| Noninterest income to average assets | 0.6991% | 2,665 |
| Noninterest expense to average assets | 3.0751% | 3,002 |
| Loan and lease loss provision to assets | 0.2076% | 2,876 |
| Net operating income to assets | 0.2897% | 5,691 |
| Return on assets (ROA) | 0.2897% | 5,860 |
| Pretax return on assets | 0.4880% | 5,469 |
| Return on Equity (ROE) | 2.1198% | 6,034 |
| Retained earnings to average equity (ytd only) | 2.1198% | 5,205 |
| Net charge-offs to loans | 4.4227% | 125 |
| Credit loss provision to net charge-offs | 5.9884% | 3,947 |
| Earnings coverage of net charge-offs (x) | 0.2006% | 4,266 |
| Efficiency ratio | 81.5534% | 1,996 |
| Assets per employee ($millions) | 6.8349% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6604% | 1,163 |
| Loan loss allowance to noncurrent loans | 53.4591% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 6.0782% | 770 |
| Noncurrent loans to loans | 4.9764% | 1,132 |
| Net loans and leases to total assets | 75.7220% | 832 |
| Net loans and leases to deposits | 103.4104% | 272 |
| Net loans and leases to core deposits | 110.7204% | 510 |
| Total domestic deposits to total assets | 73.2247% | 6,809 |
| Equity capital to assets | 13.7139% | 1,135 |
| Core capital (leverage) ratio | 13.0759% | 1,099 |
| Tier 1 risk-based capital ratio | 17.9719% | 2,303 |
| Total risk-based capital ratio | 19.2418% | 2,268 |
| Memoranda: | ||
| Average total assets | $895,966,000 | 742 |
| Average earning assets | $791,971,500 | 761 |
| Average equity | $122,465,500 | 584 |
| Average total loans | $702,287,000 | 588 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 1,548 |
| Cost of funding earning assets | 1.7914% | 219 |
| Net interest margin | 3.5644% | 4,873 |
| Noninterest income to average assets | 0.2962% | 5,409 |
| Noninterest expense to average assets | 2.6751% | 4,837 |
| Loan and lease loss provision to assets | 0.4934% | 2,137 |
| Net operating income to assets | 0.1909% | 5,619 |
| Return on assets (ROA) | 0.2015% | 5,718 |
| Pretax return on assets | 0.2969% | 5,561 |
| Return on Equity (ROE) | 1.5581% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.5581% | 5,099 |
| Net charge-offs to loans | 0.6090% | 2,621 |
| Credit loss provision to net charge-offs | 101.3626% | 3,429 |
| Earnings coverage of net charge-offs (x) | 1.5916% | 4,576 |
| Efficiency ratio | 77.5407% | 2,654 |
| Assets per employee ($millions) | 7.0595% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,790 |
| Loan loss allowance to noncurrent loans | 50.9785% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 5.0502% | 1,056 |
| Noncurrent loans to loans | 3.5797% | 1,788 |
| Net loans and leases to total assets | 77.5329% | 764 |
| Net loans and leases to deposits | 105.6620% | 257 |
| Net loans and leases to core deposits | 111.6311% | 574 |
| Total domestic deposits to total assets | 73.3783% | 6,774 |
| Equity capital to assets | 13.6233% | 1,206 |
| Core capital (leverage) ratio | 12.9517% | 1,162 |
| Tier 1 risk-based capital ratio | 17.1511% | 2,533 |
| Total risk-based capital ratio | 18.4094% | 2,489 |
| Memoranda: | ||
| Average total assets | $934,650,600 | 694 |
| Average earning assets | $826,991,200 | 716 |
| Average equity | $120,855,600 | 574 |
| Average total loans | $747,141,000 | 548 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 1,552 |
| Cost of funding earning assets | 1.8106% | 249 |
| Net interest margin | 3.5768% | 4,863 |
| Noninterest income to average assets | 0.2333% | 5,950 |
| Noninterest expense to average assets | 2.6709% | 4,839 |
| Loan and lease loss provision to assets | 0.6314% | 1,548 |
| Net operating income to assets | 0.0905% | 5,987 |
| Return on assets (ROA) | 0.1093% | 6,057 |
| Pretax return on assets | 0.1188% | 6,061 |
| Return on Equity (ROE) | 0.8562% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.8562% | 5,667 |
| Net charge-offs to loans | 0.8045% | 1,950 |
| Credit loss provision to net charge-offs | 97.8980% | 3,494 |
| Earnings coverage of net charge-offs (x) | 1.1314% | 4,778 |
| Efficiency ratio | 78.5432% | 2,472 |
| Assets per employee ($millions) | 7.3177% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 3,081 |
| Loan loss allowance to noncurrent loans | 42.3729% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 5.3448% | 1,057 |
| Noncurrent loans to loans | 4.1448% | 1,590 |
| Net loans and leases to total assets | 77.4375% | 777 |
| Net loans and leases to deposits | 104.3867% | 302 |
| Net loans and leases to core deposits | 111.8954% | 613 |
| Total domestic deposits to total assets | 74.1833% | 6,734 |
| Equity capital to assets | 13.1267% | 1,548 |
| Core capital (leverage) ratio | 12.4228% | 1,468 |
| Tier 1 risk-based capital ratio | 16.5935% | 2,816 |
| Total risk-based capital ratio | 17.8511% | 2,775 |
| Memoranda: | ||
| Average total assets | $944,173,000 | 699 |
| Average earning assets | $836,074,250 | 712 |
| Average equity | $120,534,250 | 583 |
| Average total loans | $756,913,500 | 549 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 1,508 |
| Cost of funding earning assets | 1.8246% | 282 |
| Net interest margin | 3.5946% | 4,744 |
| Noninterest income to average assets | 0.2203% | 6,097 |
| Noninterest expense to average assets | 2.7162% | 4,756 |
| Loan and lease loss provision to assets | 0.7611% | 1,222 |
| Net operating income to assets | -0.0438% | 6,288 |
| Return on assets (ROA) | -0.0401% | 6,344 |
| Pretax return on assets | -0.0675% | 6,329 |
| Return on Equity (ROE) | -0.3174% | 6,337 |
| Retained earnings to average equity (ytd only) | -0.3174% | 5,915 |
| Net charge-offs to loans | 1.0939% | 1,444 |
| Credit loss provision to net charge-offs | 86.3170% | 3,576 |
| Earnings coverage of net charge-offs (x) | 0.7802% | 4,715 |
| Efficiency ratio | 79.7913% | 2,419 |
| Assets per employee ($millions) | 7.8407% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,511 |
| Loan loss allowance to noncurrent loans | 37.7311% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 5.3431% | 1,123 |
| Noncurrent loans to loans | 4.3630% | 1,544 |
| Net loans and leases to total assets | 78.6709% | 685 |
| Net loans and leases to deposits | 105.4282% | 279 |
| Net loans and leases to core deposits | 112.4867% | 629 |
| Total domestic deposits to total assets | 74.6204% | 6,770 |
| Equity capital to assets | 12.8684% | 1,589 |
| Core capital (leverage) ratio | 12.3349% | 1,434 |
| Tier 1 risk-based capital ratio | 16.2406% | 2,863 |
| Total risk-based capital ratio | 17.4967% | 2,829 |
| Memoranda: | ||
| Average total assets | $951,553,670 | 704 |
| Average earning assets | $842,811,330 | 714 |
| Average equity | $120,368,330 | 581 |
| Average total loans | $766,964,000 | 550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 1,342 |
| Cost of funding earning assets | 1.8524% | 311 |
| Net interest margin | 3.6304% | 4,428 |
| Noninterest income to average assets | 0.1286% | 6,775 |
| Noninterest expense to average assets | 2.7065% | 4,813 |
| Loan and lease loss provision to assets | 0.2639% | 3,022 |
| Net operating income to assets | 0.2173% | 5,727 |
| Return on assets (ROA) | 0.2173% | 5,791 |
| Pretax return on assets | 0.3689% | 5,441 |
| Return on Equity (ROE) | 1.7325% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.7325% | 5,083 |
| Net charge-offs to loans | 0.6793% | 1,857 |
| Credit loss provision to net charge-offs | 48.0303% | 3,798 |
| Earnings coverage of net charge-offs (x) | 1.1515% | 3,796 |
| Efficiency ratio | 81.0497% | 2,361 |
| Assets per employee ($millions) | 8.3025% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 3,728 |
| Loan loss allowance to noncurrent loans | 35.1829% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 5.5550% | 1,083 |
| Noncurrent loans to loans | 4.5445% | 1,532 |
| Net loans and leases to total assets | 77.7943% | 759 |
| Net loans and leases to deposits | 103.2343% | 336 |
| Net loans and leases to core deposits | 110.7391% | 688 |
| Total domestic deposits to total assets | 75.3571% | 6,753 |
| Equity capital to assets | 12.5409% | 1,607 |
| Core capital (leverage) ratio | 12.1031% | 1,505 |
| Tier 1 risk-based capital ratio | 15.8484% | 2,973 |
| Total risk-based capital ratio | 17.1035% | 2,942 |
| Memoranda: | ||
| Average total assets | $960,811,000 | 701 |
| Average earning assets | $849,706,000 | 713 |
| Average equity | $120,519,000 | 578 |
| Average total loans | $777,288,000 | 553 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 1,401 |
| Cost of funding earning assets | 2.1619% | 345 |
| Net interest margin | 3.5890% | 4,869 |
| Noninterest income to average assets | 0.2227% | 6,212 |
| Noninterest expense to average assets | 2.5181% | 5,720 |
| Loan and lease loss provision to assets | 0.5916% | 2,772 |
| Net operating income to assets | 0.1493% | 5,444 |
| Return on assets (ROA) | 0.2049% | 5,423 |
| Pretax return on assets | 0.3717% | 5,026 |
| Return on Equity (ROE) | 1.6718% | 5,501 |
| Retained earnings to average equity (ytd only) | 1.6718% | 4,680 |
| Net charge-offs to loans | 1.3701% | 1,633 |
| Credit loss provision to net charge-offs | 51.4235% | 6,238 |
| Earnings coverage of net charge-offs (x) | 0.7619% | 5,360 |
| Efficiency ratio | 74.1785% | 3,361 |
| Assets per employee ($millions) | 8.2632% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 3,503 |
| Loan loss allowance to noncurrent loans | 37.0043% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 5.8115% | 1,041 |
| Noncurrent loans to loans | 4.3811% | 1,640 |
| Net loans and leases to total assets | 81.4072% | 501 |
| Net loans and leases to deposits | 108.0991% | 270 |
| Net loans and leases to core deposits | 116.6407% | 620 |
| Total domestic deposits to total assets | 75.3079% | 6,730 |
| Equity capital to assets | 12.5461% | 1,606 |
| Core capital (leverage) ratio | 12.3151% | 1,385 |
| Tier 1 risk-based capital ratio | 15.5733% | 2,965 |
| Total risk-based capital ratio | 16.8289% | 2,925 |
| Memoranda: | ||
| Average total assets | $970,864,800 | 684 |
| Average earning assets | $858,048,200 | 705 |
| Average equity | $118,971,800 | 570 |
| Average total loans | $815,288,200 | 541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8227% | 1,333 |
| Cost of funding earning assets | 2.2150% | 369 |
| Net interest margin | 3.6077% | 4,834 |
| Noninterest income to average assets | 0.2371% | 6,193 |
| Noninterest expense to average assets | 2.5465% | 5,534 |
| Loan and lease loss provision to assets | 0.6221% | 2,446 |
| Net operating income to assets | 0.1315% | 5,684 |
| Return on assets (ROA) | 0.1696% | 5,750 |
| Pretax return on assets | 0.3157% | 5,461 |
| Return on Equity (ROE) | 1.3923% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.3923% | 5,249 |
| Net charge-offs to loans | 1.4863% | 1,354 |
| Credit loss provision to net charge-offs | 49.6612% | 5,889 |
| Earnings coverage of net charge-offs (x) | 0.7011% | 5,351 |
| Efficiency ratio | 74.3574% | 3,256 |
| Assets per employee ($millions) | 8.0315% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 3,165 |
| Loan loss allowance to noncurrent loans | 39.8074% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 5.4687% | 1,129 |
| Noncurrent loans to loans | 4.2600% | 1,709 |
| Net loans and leases to total assets | 81.5964% | 549 |
| Net loans and leases to deposits | 109.4586% | 265 |
| Net loans and leases to core deposits | 118.4444% | 670 |
| Total domestic deposits to total assets | 74.5454% | 6,848 |
| Equity capital to assets | 12.2974% | 1,974 |
| Core capital (leverage) ratio | 12.0894% | 1,622 |
| Tier 1 risk-based capital ratio | 15.4883% | 3,002 |
| Total risk-based capital ratio | 16.7453% | 2,971 |
| Memoranda: | ||
| Average total assets | $973,948,500 | 677 |
| Average earning assets | $860,543,500 | 701 |
| Average equity | $118,650,250 | 564 |
| Average total loans | $820,817,500 | 535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9381% | 1,087 |
| Cost of funding earning assets | 2.2304% | 426 |
| Net interest margin | 3.7077% | 4,329 |
| Noninterest income to average assets | 0.2015% | 6,466 |
| Noninterest expense to average assets | 2.5796% | 5,406 |
| Loan and lease loss provision to assets | 0.7272% | 2,005 |
| Net operating income to assets | 0.0911% | 5,889 |
| Return on assets (ROA) | 0.1217% | 5,910 |
| Pretax return on assets | 0.2153% | 5,738 |
| Return on Equity (ROE) | 1.0020% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.0020% | 5,368 |
| Net charge-offs to loans | 1.5871% | 1,191 |
| Credit loss provision to net charge-offs | 54.0986% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.6655% | 5,080 |
| Efficiency ratio | 74.2484% | 3,422 |
| Assets per employee ($millions) | 8.2436% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 2,530 |
| Loan loss allowance to noncurrent loans | 38.4982% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 5.5490% | 1,105 |
| Noncurrent loans to loans | 4.8391% | 1,452 |
| Net loans and leases to total assets | 80.6852% | 704 |
| Net loans and leases to deposits | 107.0449% | 347 |
| Net loans and leases to core deposits | 118.7712% | 736 |
| Total domestic deposits to total assets | 75.3751% | 6,800 |
| Equity capital to assets | 11.9163% | 2,149 |
| Core capital (leverage) ratio | 11.6263% | 1,844 |
| Tier 1 risk-based capital ratio | 15.3168% | 2,998 |
| Total risk-based capital ratio | 16.5764% | 2,953 |
| Memoranda: | ||
| Average total assets | $974,660,000 | 676 |
| Average earning assets | $860,310,330 | 700 |
| Average equity | $118,364,330 | 560 |
| Average total loans | $825,542,000 | 533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9270% | 1,137 |
| Cost of funding earning assets | 2.2655% | 475 |
| Net interest margin | 3.6615% | 4,431 |
| Noninterest income to average assets | 0.1632% | 6,806 |
| Noninterest expense to average assets | 2.5730% | 5,466 |
| Loan and lease loss provision to assets | 1.0564% | 1,170 |
| Net operating income to assets | -0.1570% | 6,489 |
| Return on assets (ROA) | -0.1275% | 6,538 |
| Pretax return on assets | -0.2047% | 6,562 |
| Return on Equity (ROE) | -1.0397% | 6,533 |
| Retained earnings to average equity (ytd only) | -1.0397% | 6,057 |
| Net charge-offs to loans | 1.6531% | 1,048 |
| Credit loss provision to net charge-offs | 74.3208% | 4,004 |
| Earnings coverage of net charge-offs (x) | 0.5668% | 4,524 |
| Efficiency ratio | 76.1554% | 3,185 |
| Assets per employee ($millions) | 8.1702% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 1,926 |
| Loan loss allowance to noncurrent loans | 40.5663% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 6.8020% | 807 |
| Noncurrent loans to loans | 5.2139% | 1,375 |
| Net loans and leases to total assets | 83.5590% | 417 |
| Net loans and leases to deposits | 111.7314% | 254 |
| Net loans and leases to core deposits | 125.8808% | 589 |
| Total domestic deposits to total assets | 74.7856% | 6,931 |
| Equity capital to assets | 12.2357% | 1,911 |
| Core capital (leverage) ratio | 11.9321% | 1,677 |
| Tier 1 risk-based capital ratio | 14.9149% | 3,144 |
| Total risk-based capital ratio | 16.1649% | 3,109 |
| Memoranda: | ||
| Average total assets | $963,251,500 | 702 |
| Average earning assets | $845,892,500 | 728 |
| Average equity | $118,115,500 | 567 |
| Average total loans | $828,266,000 | 552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 2,192 |
| Cost of funding earning assets | 2.8324% | 401 |
| Net interest margin | 3.0769% | 6,448 |
| Noninterest income to average assets | 0.3126% | 5,844 |
| Noninterest expense to average assets | 2.3638% | 6,564 |
| Loan and lease loss provision to assets | 3.1648% | 527 |
| Net operating income to assets | -1.4448% | 6,828 |
| Return on assets (ROA) | -1.4367% | 6,829 |
| Pretax return on assets | -2.4107% | 7,118 |
| Return on Equity (ROE) | -11.2468% | 6,716 |
| Retained earnings to average equity (ytd only) | -12.4925% | 6,716 |
| Net charge-offs to loans | 2.5302% | 911 |
| Credit loss provision to net charge-offs | 140.4796% | 3,460 |
| Earnings coverage of net charge-offs (x) | 0.3291% | 5,784 |
| Efficiency ratio | 76.1249% | 3,503 |
| Assets per employee ($millions) | 8.1561% | 484 |
| Cash dividends to net income (ytd only)* | -11.0756% | 7,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,662 |
| Loan loss allowance to noncurrent loans | 38.1602% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 7.1933% | 694 |
| Noncurrent loans to loans | 5.7488% | 1,110 |
| Net loans and leases to total assets | 84.7095% | 376 |
| Net loans and leases to deposits | 113.5662% | 274 |
| Net loans and leases to core deposits | 141.5715% | 750 |
| Total domestic deposits to total assets | 74.5904% | 6,933 |
| Equity capital to assets | 12.2887% | 1,858 |
| Core capital (leverage) ratio | 11.7450% | 1,788 |
| Tier 1 risk-based capital ratio | 14.4693% | 3,228 |
| Total risk-based capital ratio | 15.7193% | 3,180 |
| Memoranda: | ||
| Average total assets | $979,124,800 | 684 |
| Average earning assets | $888,651,000 | 680 |
| Average equity | $125,075,400 | 531 |
| Average total loans | $871,804,200 | 542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8885% | 2,500 |
| Cost of funding earning assets | 2.9188% | 425 |
| Net interest margin | 2.9697% | 6,686 |
| Noninterest income to average assets | 0.2999% | 6,075 |
| Noninterest expense to average assets | 2.2232% | 6,916 |
| Loan and lease loss provision to assets | 3.4616% | 382 |
| Net operating income to assets | -1.5870% | 7,153 |
| Return on assets (ROA) | -1.5828% | 7,148 |
| Pretax return on assets | -2.6609% | 7,406 |
| Return on Equity (ROE) | -12.2764% | 7,037 |
| Retained earnings to average equity (ytd only) | -13.9149% | 7,068 |
| Net charge-offs to loans | 2.8322% | 616 |
| Credit loss provision to net charge-offs | 136.3583% | 3,639 |
| Earnings coverage of net charge-offs (x) | 0.3128% | 5,709 |
| Efficiency ratio | 73.6833% | 3,922 |
| Assets per employee ($millions) | 8.5386% | 422 |
| Cash dividends to net income (ytd only)* | -13.3470% | 7,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 2,028 |
| Loan loss allowance to noncurrent loans | 29.7466% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 7.2459% | 641 |
| Noncurrent loans to loans | 6.3931% | 907 |
| Net loans and leases to total assets | 84.1814% | 519 |
| Net loans and leases to deposits | 113.7716% | 334 |
| Net loans and leases to core deposits | 144.5155% | 744 |
| Total domestic deposits to total assets | 73.9915% | 6,944 |
| Equity capital to assets | 12.1823% | 2,137 |
| Core capital (leverage) ratio | 12.1527% | 1,730 |
| Tier 1 risk-based capital ratio | 15.4960% | 2,827 |
| Total risk-based capital ratio | 16.7562% | 2,764 |
| Memoranda: | ||
| Average total assets | $983,301,000 | 694 |
| Average earning assets | $899,744,750 | 683 |
| Average equity | $126,777,000 | 536 |
| Average total loans | $881,368,500 | 554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8443% | 2,834 |
| Cost of funding earning assets | 3.0111% | 458 |
| Net interest margin | 2.8332% | 6,946 |
| Noninterest income to average assets | 0.3079% | 6,051 |
| Noninterest expense to average assets | 2.1044% | 7,268 |
| Loan and lease loss provision to assets | 3.4333% | 420 |
| Net operating income to assets | -1.5617% | 7,275 |
| Return on assets (ROA) | -1.5553% | 7,277 |
| Pretax return on assets | -2.6092% | 7,450 |
| Return on Equity (ROE) | -11.8433% | 7,163 |
| Retained earnings to average equity (ytd only) | -14.0900% | 7,187 |
| Net charge-offs to loans | 2.5482% | 677 |
| Credit loss provision to net charge-offs | 148.1915% | 3,115 |
| Earnings coverage of net charge-offs (x) | 0.3514% | 5,335 |
| Efficiency ratio | 72.1042% | 4,394 |
| Assets per employee ($millions) | 9.1282% | 336 |
| Cash dividends to net income (ytd only)* | -18.9696% | 7,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 2,384 |
| Loan loss allowance to noncurrent loans | 25.3829% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 6.6489% | 673 |
| Noncurrent loans to loans | 6.6564% | 775 |
| Net loans and leases to total assets | 86.7431% | 320 |
| Net loans and leases to deposits | 119.4304% | 246 |
| Net loans and leases to core deposits | 159.7094% | 458 |
| Total domestic deposits to total assets | 72.6306% | 7,165 |
| Equity capital to assets | 12.4440% | 1,949 |
| Core capital (leverage) ratio | 12.4440% | 1,642 |
| Tier 1 risk-based capital ratio | 15.6814% | 2,740 |
| Total risk-based capital ratio | 16.9391% | 2,668 |
| Memoranda: | ||
| Average total assets | $980,908,670 | 707 |
| Average earning assets | $903,854,330 | 697 |
| Average equity | $128,815,000 | 538 |
| Average total loans | $891,837,330 | 561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 2,274 |
| Cost of funding earning assets | 3.0854% | 477 |
| Net interest margin | 2.9362% | 6,653 |
| Noninterest income to average assets | 0.3093% | 5,969 |
| Noninterest expense to average assets | 1.9132% | 7,522 |
| Loan and lease loss provision to assets | 2.6496% | 423 |
| Net operating income to assets | -0.9526% | 7,225 |
| Return on assets (ROA) | -0.9398% | 7,242 |
| Pretax return on assets | -1.5111% | 7,365 |
| Return on Equity (ROE) | -6.9695% | 7,143 |
| Retained earnings to average equity (ytd only) | -9.5952% | 7,069 |
| Net charge-offs to loans | 2.5812% | 530 |
| Credit loss provision to net charge-offs | 111.2241% | 3,468 |
| Earnings coverage of net charge-offs (x) | 0.4695% | 4,616 |
| Efficiency ratio | 63.1080% | 5,853 |
| Assets per employee ($millions) | 9.1029% | 346 |
| Cash dividends to net income (ytd only)* | -37.6748% | 8,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,343 |
| Loan loss allowance to noncurrent loans | 16.9111% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 6.8272% | 515 |
| Noncurrent loans to loans | 6.6096% | 650 |
| Net loans and leases to total assets | 91.7561% | 69 |
| Net loans and leases to deposits | 128.9304% | 152 |
| Net loans and leases to core deposits | 172.2679% | 311 |
| Total domestic deposits to total assets | 71.1672% | 7,311 |
| Equity capital to assets | 13.4459% | 1,551 |
| Core capital (leverage) ratio | 13.4459% | 1,342 |
| Tier 1 risk-based capital ratio | 16.4860% | 2,517 |
| Total risk-based capital ratio | 17.6876% | 2,478 |
| Memoranda: | ||
| Average total assets | $973,876,000 | 713 |
| Average earning assets | $902,948,500 | 698 |
| Average equity | $131,315,000 | 527 |
| Average total loans | $898,804,000 | 563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9368% | 1,291 |
| Cost of funding earning assets | 3.6043% | 383 |
| Net interest margin | 3.3324% | 5,923 |
| Noninterest income to average assets | 0.2160% | 6,887 |
| Noninterest expense to average assets | 1.7531% | 7,812 |
| Loan and lease loss provision to assets | 0.7577% | 1,972 |
| Net operating income to assets | 0.5208% | 4,649 |
| Return on assets (ROA) | 0.5368% | 4,441 |
| Pretax return on assets | 0.8404% | 3,929 |
| Return on Equity (ROE) | 4.5161% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.5442% | 4,298 |
| Net charge-offs to loans | 0.8332% | 1,505 |
| Credit loss provision to net charge-offs | 97.7832% | 5,452 |
| Earnings coverage of net charge-offs (x) | 2.0304% | 5,058 |
| Efficiency ratio | 52.7041% | 7,413 |
| Assets per employee ($millions) | 9.0170% | 346 |
| Cash dividends to net income (ytd only)* | 65.8068% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 5,734 |
| Loan loss allowance to noncurrent loans | 20.4654% | 7,217 |
| Noncurrent assets plus other real estate owned to assets | 5.2946% | 622 |
| Noncurrent loans to loans | 5.0675% | 859 |
| Net loans and leases to total assets | 90.8467% | 140 |
| Net loans and leases to deposits | 128.4833% | 233 |
| Net loans and leases to core deposits | 174.0956% | 347 |
| Total domestic deposits to total assets | 70.7070% | 7,203 |
| Equity capital to assets | 13.5209% | 1,590 |
| Core capital (leverage) ratio | 13.5209% | 1,382 |
| Tier 1 risk-based capital ratio | 16.9415% | 2,330 |
| Total risk-based capital ratio | 18.1348% | 2,292 |
| Memoranda: | ||
| Average total assets | $960,581,000 | 689 |
| Average earning assets | $896,555,800 | 669 |
| Average equity | $114,169,000 | 590 |
| Average total loans | $893,338,400 | 550 |