Home > StonehamBank, A Co-operative Bank > Performance and Condition Ratios
StonehamBank, A Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 3,644 |
| Cost of funding earning assets | 1.6502% | 1,570 |
| Net interest margin | 2.5408% | 4,052 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.4031% | 2,582 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2741% | 4,065 |
| Return on assets (ROA) | 0.2856% | 4,051 |
| Pretax return on assets | 0.3780% | 3,993 |
| Return on Equity (ROE) | 3.8400% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.8385% | 3,019 |
| Net charge-offs to loans | -0.0048% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.3234% | 545 |
| Assets per employee ($millions) | 8.6814% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 1,707 |
| Loan loss allowance to noncurrent loans | 5,386.1635% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,593 |
| Noncurrent loans to loans | 0.0244% | 3,572 |
| Net loans and leases to total assets | 83.2600% | 324 |
| Net loans and leases to deposits | 106.2231% | 284 |
| Net loans and leases to core deposits | 133.7483% | 349 |
| Total domestic deposits to total assets | 78.3800% | 3,682 |
| Equity capital to assets | 7.6213% | 3,650 |
| Core capital (leverage) ratio | 9.4188% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4778% | 1,696 |
| Memoranda: | ||
| Average total assets | $763,253,600 | 1,222 |
| Average earning assets | $736,820,000 | 1,187 |
| Average equity | $56,792,600 | 1,451 |
| Average total loans | $621,717,000 | 1,064 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,582 |
| Cost of funding earning assets | 1.5267% | 1,538 |
| Net interest margin | 2.6127% | 4,013 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.3843% | 2,564 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3605% | 4,028 |
| Return on assets (ROA) | 0.3533% | 4,047 |
| Pretax return on assets | 0.4670% | 3,962 |
| Return on Equity (ROE) | 4.7800% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.7769% | 3,014 |
| Net charge-offs to loans | 0.0007% | 2,631 |
| Credit loss provision to net charge-offs | 4,966.6667% | 105 |
| Earnings coverage of net charge-offs (x) | 940.0000% | 170 |
| Efficiency ratio | 82.8331% | 681 |
| Assets per employee ($millions) | 8.9824% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,736 |
| Loan loss allowance to noncurrent loans | 5,142.4242% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,618 |
| Noncurrent loans to loans | 0.0259% | 3,586 |
| Net loans and leases to total assets | 79.5700% | 697 |
| Net loans and leases to deposits | 100.3257% | 497 |
| Net loans and leases to core deposits | 126.9913% | 395 |
| Total domestic deposits to total assets | 79.3100% | 3,635 |
| Equity capital to assets | 6.8234% | 3,696 |
| Core capital (leverage) ratio | 9.2648% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4762% | 1,722 |
| Memoranda: | ||
| Average total assets | $760,906,500 | 1,225 |
| Average earning assets | $734,185,500 | 1,187 |
| Average equity | $56,269,500 | 1,448 |
| Average total loans | $614,180,000 | 1,074 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,651 |
| Cost of funding earning assets | 1.3509% | 1,578 |
| Net interest margin | 2.6660% | 4,016 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3961% | 2,498 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4217% | 3,965 |
| Return on assets (ROA) | 0.4351% | 3,940 |
| Pretax return on assets | 0.5749% | 3,842 |
| Return on Equity (ROE) | 5.7300% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.7286% | 2,721 |
| Net charge-offs to loans | 0.0016% | 2,331 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 427.4000% | 342 |
| Efficiency ratio | 80.8083% | 791 |
| Assets per employee ($millions) | 8.5387% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,752 |
| Loan loss allowance to noncurrent loans | 3,134.9624% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,437 |
| Noncurrent loans to loans | 0.0428% | 3,418 |
| Net loans and leases to total assets | 79.8700% | 645 |
| Net loans and leases to deposits | 101.3628% | 457 |
| Net loans and leases to core deposits | 124.4105% | 423 |
| Total domestic deposits to total assets | 78.7900% | 3,751 |
| Equity capital to assets | 7.4598% | 3,542 |
| Core capital (leverage) ratio | 9.6134% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6370% | 1,679 |
| Memoranda: | ||
| Average total assets | $751,058,000 | 1,237 |
| Average earning assets | $724,688,333 | 1,194 |
| Average equity | $57,047,333 | 1,437 |
| Average total loans | $606,425,000 | 1,071 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 3,519 |
| Cost of funding earning assets | 1.1355% | 1,644 |
| Net interest margin | 2.8285% | 3,907 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4242% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5091% | 3,876 |
| Return on assets (ROA) | 0.5108% | 3,834 |
| Pretax return on assets | 0.6762% | 3,706 |
| Return on Equity (ROE) | 6.6600% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.6634% | 2,598 |
| Net charge-offs to loans | 0.0053% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 156.3750% | 597 |
| Efficiency ratio | 78.2435% | 979 |
| Assets per employee ($millions) | 8.6648% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,695 |
| Loan loss allowance to noncurrent loans | 4,804.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,563 |
| Noncurrent loans to loans | 0.0287% | 3,555 |
| Net loans and leases to total assets | 78.7500% | 680 |
| Net loans and leases to deposits | 98.6626% | 504 |
| Net loans and leases to core deposits | 117.5367% | 503 |
| Total domestic deposits to total assets | 79.8200% | 3,785 |
| Equity capital to assets | 7.6275% | 3,493 |
| Core capital (leverage) ratio | 9.7504% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6690% | 1,739 |
| Memoranda: | ||
| Average total assets | $742,346,500 | 1,262 |
| Average earning assets | $716,129,500 | 1,219 |
| Average equity | $56,907,500 | 1,455 |
| Average total loans | $598,589,500 | 1,096 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 2,737 |
| Cost of funding earning assets | 0.4285% | 1,870 |
| Net interest margin | 3.1918% | 2,884 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.8080% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4755% | 4,120 |
| Return on assets (ROA) | 0.3984% | 4,207 |
| Pretax return on assets | 0.5223% | 4,146 |
| Return on Equity (ROE) | 4.6900% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.6867% | 3,177 |
| Net charge-offs to loans | 0.0004% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2,184.0000% | 78 |
| Efficiency ratio | 81.9160% | 600 |
| Assets per employee ($millions) | 8.5975% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,398 |
| Loan loss allowance to noncurrent loans | 4,754.2373% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,589 |
| Noncurrent loans to loans | 0.0301% | 3,574 |
| Net loans and leases to total assets | 80.2900% | 562 |
| Net loans and leases to deposits | 98.6284% | 495 |
| Net loans and leases to core deposits | 110.7710% | 584 |
| Total domestic deposits to total assets | 81.4100% | 3,706 |
| Equity capital to assets | 7.7064% | 3,249 |
| Core capital (leverage) ratio | 9.7917% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8886% | 1,662 |
| Memoranda: | ||
| Average total assets | $704,630,400 | 1,303 |
| Average earning assets | $680,966,200 | 1,260 |
| Average equity | $59,892,600 | 1,403 |
| Average total loans | $552,860,400 | 1,098 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5368% | 2,498 |
| Cost of funding earning assets | 0.3292% | 1,869 |
| Net interest margin | 3.2076% | 2,600 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.8624% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4648% | 4,140 |
| Return on assets (ROA) | 0.2729% | 4,370 |
| Pretax return on assets | 0.3471% | 4,335 |
| Return on Equity (ROE) | 3.1300% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.1346% | 3,740 |
| Net charge-offs to loans | 0.0005% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,549.5000% | 86 |
| Efficiency ratio | 82.9087% | 611 |
| Assets per employee ($millions) | 8.4546% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,382 |
| Loan loss allowance to noncurrent loans | 2,705.7878% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,463 |
| Noncurrent loans to loans | 0.0543% | 3,488 |
| Net loans and leases to total assets | 79.4200% | 580 |
| Net loans and leases to deposits | 96.2410% | 546 |
| Net loans and leases to core deposits | 104.0540% | 650 |
| Total domestic deposits to total assets | 82.5300% | 3,750 |
| Equity capital to assets | 7.5455% | 3,192 |
| Core capital (leverage) ratio | 9.8095% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7634% | 1,781 |
| Memoranda: | ||
| Average total assets | $700,240,250 | 1,314 |
| Average earning assets | $677,126,250 | 1,273 |
| Average equity | $60,952,000 | 1,409 |
| Average total loans | $544,002,750 | 1,108 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 2,302 |
| Cost of funding earning assets | 0.2814% | 1,885 |
| Net interest margin | 3.1675% | 2,298 |
| Noninterest income to average assets | 0.3676% | 2,945 |
| Noninterest expense to average assets | 2.8620% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4505% | 4,001 |
| Return on assets (ROA) | 0.2568% | 4,308 |
| Pretax return on assets | 0.3257% | 4,264 |
| Return on Equity (ROE) | 2.8230% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.8230% | 3,500 |
| Net charge-offs to loans | 0.0011% | 2,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 663.0000% | 206 |
| Efficiency ratio | 83.3723% | 718 |
| Assets per employee ($millions) | 8.7142% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,422 |
| Loan loss allowance to noncurrent loans | 2,604.9536% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,534 |
| Noncurrent loans to loans | 0.0574% | 3,525 |
| Net loans and leases to total assets | 77.5915% | 585 |
| Net loans and leases to deposits | 96.4400% | 413 |
| Net loans and leases to core deposits | 101.3879% | 614 |
| Total domestic deposits to total assets | 80.4558% | 4,185 |
| Equity capital to assets | 8.1459% | 3,009 |
| Core capital (leverage) ratio | 9.8611% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8031% | 1,764 |
| Memoranda: | ||
| Average total assets | $696,924,000 | 1,325 |
| Average earning assets | $674,410,667 | 1,288 |
| Average equity | $63,407,000 | 1,385 |
| Average total loans | $534,512,333 | 1,113 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 2,019 |
| Cost of funding earning assets | 0.2760% | 1,862 |
| Net interest margin | 3.1482% | 2,029 |
| Noninterest income to average assets | 0.3296% | 3,128 |
| Noninterest expense to average assets | 2.8397% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4216% | 3,909 |
| Return on assets (ROA) | 0.3325% | 4,053 |
| Pretax return on assets | 0.4273% | 3,989 |
| Return on Equity (ROE) | 3.4663% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.4663% | 3,131 |
| Net charge-offs to loans | 0.0008% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 929.0000% | 94 |
| Efficiency ratio | 84.0213% | 848 |
| Assets per employee ($millions) | 8.2321% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 1,386 |
| Loan loss allowance to noncurrent loans | 3,117.0370% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,643 |
| Noncurrent loans to loans | 0.0500% | 3,623 |
| Net loans and leases to total assets | 76.9498% | 447 |
| Net loans and leases to deposits | 93.6891% | 377 |
| Net loans and leases to core deposits | 97.9328% | 578 |
| Total domestic deposits to total assets | 82.1332% | 4,058 |
| Equity capital to assets | 9.1059% | 2,622 |
| Core capital (leverage) ratio | 10.2838% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2176% | 1,715 |
| Memoranda: | ||
| Average total assets | $688,103,500 | 1,339 |
| Average earning assets | $666,662,500 | 1,304 |
| Average equity | $66,006,500 | 1,389 |
| Average total loans | $520,340,500 | 1,125 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 2,623 |
| Cost of funding earning assets | 0.3721% | 1,740 |
| Net interest margin | 3.1407% | 2,763 |
| Noninterest income to average assets | 0.3083% | 3,559 |
| Noninterest expense to average assets | 2.7759% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4242% | 4,235 |
| Return on assets (ROA) | 0.6220% | 3,870 |
| Pretax return on assets | 0.7900% | 3,749 |
| Return on Equity (ROE) | 6.2545% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.2545% | 2,248 |
| Net charge-offs to loans | 0.0223% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 33.1081% | 1,543 |
| Efficiency ratio | 83.7267% | 589 |
| Assets per employee ($millions) | 8.3501% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 1,085 |
| Loan loss allowance to noncurrent loans | 1,260.0299% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 3,256 |
| Noncurrent loans to loans | 0.1336% | 3,264 |
| Net loans and leases to total assets | 71.8176% | 853 |
| Net loans and leases to deposits | 88.8239% | 616 |
| Net loans and leases to core deposits | 93.2283% | 815 |
| Total domestic deposits to total assets | 80.8539% | 4,120 |
| Equity capital to assets | 10.0840% | 2,578 |
| Core capital (leverage) ratio | 10.1197% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3939% | 1,415 |
| Memoranda: | ||
| Average total assets | $681,150,800 | 1,308 |
| Average earning assets | $652,173,000 | 1,287 |
| Average equity | $67,743,600 | 1,387 |
| Average total loans | $497,996,800 | 1,168 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 2,765 |
| Cost of funding earning assets | 0.4011% | 1,688 |
| Net interest margin | 3.1186% | 3,004 |
| Noninterest income to average assets | 0.3012% | 3,628 |
| Noninterest expense to average assets | 2.7551% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4219% | 4,340 |
| Return on assets (ROA) | 0.5455% | 4,153 |
| Pretax return on assets | 0.6748% | 4,114 |
| Return on Equity (ROE) | 5.5038% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.5038% | 3,043 |
| Net charge-offs to loans | 0.0298% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 24.0090% | 1,652 |
| Efficiency ratio | 84.0629% | 511 |
| Assets per employee ($millions) | 8.4095% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 1,076 |
| Loan loss allowance to noncurrent loans | 817.9786% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 3,117 |
| Noncurrent loans to loans | 0.2101% | 3,111 |
| Net loans and leases to total assets | 69.8119% | 1,093 |
| Net loans and leases to deposits | 86.0624% | 824 |
| Net loans and leases to core deposits | 90.2803% | 1,018 |
| Total domestic deposits to total assets | 81.1178% | 4,075 |
| Equity capital to assets | 9.9030% | 2,999 |
| Core capital (leverage) ratio | 9.8290% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6400% | 1,445 |
| Memoranda: | ||
| Average total assets | $680,261,750 | 1,323 |
| Average earning assets | $649,209,750 | 1,310 |
| Average equity | $67,418,000 | 1,402 |
| Average total loans | $497,456,750 | 1,186 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3795% | 3,232 |
| Cost of funding earning assets | 0.4248% | 1,699 |
| Net interest margin | 2.9546% | 3,434 |
| Noninterest income to average assets | 0.2859% | 3,711 |
| Noninterest expense to average assets | 2.6865% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3443% | 4,472 |
| Return on assets (ROA) | 0.5703% | 4,101 |
| Pretax return on assets | 0.6826% | 4,098 |
| Return on Equity (ROE) | 5.7532% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.7532% | 2,906 |
| Net charge-offs to loans | -0.0004% | 3,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6616% | 449 |
| Assets per employee ($millions) | 8.4893% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 1,001 |
| Loan loss allowance to noncurrent loans | 85.2644% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 404 |
| Noncurrent loans to loans | 2.0301% | 475 |
| Net loans and leases to total assets | 70.4178% | 1,149 |
| Net loans and leases to deposits | 87.4067% | 815 |
| Net loans and leases to core deposits | 91.9374% | 1,009 |
| Total domestic deposits to total assets | 80.5633% | 4,145 |
| Equity capital to assets | 9.9037% | 2,937 |
| Core capital (leverage) ratio | 9.8790% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6563% | 1,428 |
| Memoranda: | ||
| Average total assets | $677,156,000 | 1,329 |
| Average earning assets | $644,951,000 | 1,311 |
| Average equity | $67,127,667 | 1,401 |
| Average total loans | $500,000,667 | 1,186 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 3,143 |
| Cost of funding earning assets | 0.4665% | 1,611 |
| Net interest margin | 2.9518% | 3,381 |
| Noninterest income to average assets | 0.2750% | 3,748 |
| Noninterest expense to average assets | 2.6664% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3145% | 4,494 |
| Return on assets (ROA) | 0.5524% | 4,103 |
| Pretax return on assets | 0.7084% | 3,999 |
| Return on Equity (ROE) | 5.5701% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.5701% | 3,041 |
| Net charge-offs to loans | -0.0008% | 3,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7519% | 486 |
| Assets per employee ($millions) | 8.6765% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 1,008 |
| Loan loss allowance to noncurrent loans | 75.6855% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 357 |
| Noncurrent loans to loans | 2.2696% | 437 |
| Net loans and leases to total assets | 71.1947% | 1,128 |
| Net loans and leases to deposits | 88.8318% | 778 |
| Net loans and leases to core deposits | 93.7049% | 1,003 |
| Total domestic deposits to total assets | 80.1455% | 4,184 |
| Equity capital to assets | 9.6758% | 3,034 |
| Core capital (leverage) ratio | 9.9258% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7504% | 1,659 |
| Memoranda: | ||
| Average total assets | $671,918,000 | 1,327 |
| Average earning assets | $637,024,500 | 1,314 |
| Average equity | $66,641,000 | 1,401 |
| Average total loans | $503,629,000 | 1,181 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,279 |
| Cost of funding earning assets | 0.7448% | 1,484 |
| Net interest margin | 3.0634% | 3,717 |
| Noninterest income to average assets | 0.5746% | 2,321 |
| Noninterest expense to average assets | 2.6948% | 2,252 |
| Loan and lease loss provision to assets | 0.3359% | 1,046 |
| Net operating income to assets | 0.3152% | 4,415 |
| Return on assets (ROA) | 0.4349% | 4,255 |
| Pretax return on assets | 0.5852% | 4,106 |
| Return on Equity (ROE) | 4.3501% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.3501% | 2,623 |
| Net charge-offs to loans | -0.0067% | 4,189 |
| Credit loss provision to net charge-offs | -6,397.0588% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7852% | 1,049 |
| Assets per employee ($millions) | 8.0292% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,107 |
| Loan loss allowance to noncurrent loans | 81.5374% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 443 |
| Noncurrent loans to loans | 2.0479% | 548 |
| Net loans and leases to total assets | 76.2769% | 753 |
| Net loans and leases to deposits | 97.5587% | 478 |
| Net loans and leases to core deposits | 103.7792% | 737 |
| Total domestic deposits to total assets | 78.1857% | 4,297 |
| Equity capital to assets | 10.1702% | 2,963 |
| Core capital (leverage) ratio | 9.7783% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4601% | 1,695 |
| Memoranda: | ||
| Average total assets | $647,457,400 | 1,257 |
| Average earning assets | $610,785,000 | 1,243 |
| Average equity | $64,733,800 | 1,375 |
| Average total loans | $508,044,800 | 1,123 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,280 |
| Cost of funding earning assets | 0.8088% | 1,454 |
| Net interest margin | 3.0817% | 3,781 |
| Noninterest income to average assets | 0.6603% | 1,943 |
| Noninterest expense to average assets | 2.6777% | 2,318 |
| Loan and lease loss provision to assets | 0.4188% | 806 |
| Net operating income to assets | 0.3650% | 4,335 |
| Return on assets (ROA) | 0.3658% | 4,390 |
| Pretax return on assets | 0.4796% | 4,319 |
| Return on Equity (ROE) | 3.6751% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.6751% | 3,208 |
| Net charge-offs to loans | -0.0063% | 4,109 |
| Credit loss provision to net charge-offs | -8,437.5000% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9002% | 1,311 |
| Assets per employee ($millions) | 8.0816% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 969 |
| Loan loss allowance to noncurrent loans | 191.3998% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 1,804 |
| Noncurrent loans to loans | 0.8668% | 1,714 |
| Net loans and leases to total assets | 73.0672% | 1,492 |
| Net loans and leases to deposits | 96.6499% | 713 |
| Net loans and leases to core deposits | 104.2293% | 912 |
| Total domestic deposits to total assets | 75.5999% | 4,460 |
| Equity capital to assets | 9.7146% | 3,503 |
| Core capital (leverage) ratio | 9.8467% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4568% | 1,672 |
| Memoranda: | ||
| Average total assets | $644,723,500 | 1,247 |
| Average earning assets | $609,768,500 | 1,228 |
| Average equity | $64,177,250 | 1,371 |
| Average total loans | $507,373,500 | 1,115 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,257 |
| Cost of funding earning assets | 0.8829% | 1,451 |
| Net interest margin | 3.1436% | 3,800 |
| Noninterest income to average assets | 0.6644% | 1,883 |
| Noninterest expense to average assets | 2.7423% | 2,245 |
| Loan and lease loss provision to assets | 0.5605% | 586 |
| Net operating income to assets | 0.2819% | 4,451 |
| Return on assets (ROA) | 0.2008% | 4,614 |
| Pretax return on assets | 0.2435% | 4,593 |
| Return on Equity (ROE) | 2.0004% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.0004% | 3,753 |
| Net charge-offs to loans | -0.0079% | 4,142 |
| Credit loss provision to net charge-offs | -8,875.0000% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2317% | 1,342 |
| Assets per employee ($millions) | 7.6306% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 1,028 |
| Loan loss allowance to noncurrent loans | 250.4321% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,391 |
| Noncurrent loans to loans | 0.6353% | 2,274 |
| Net loans and leases to total assets | 74.7396% | 1,311 |
| Net loans and leases to deposits | 99.6499% | 574 |
| Net loans and leases to core deposits | 109.4269% | 759 |
| Total domestic deposits to total assets | 75.0022% | 4,520 |
| Equity capital to assets | 9.6421% | 3,533 |
| Core capital (leverage) ratio | 9.8891% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7500% | 1,903 |
| Memoranda: | ||
| Average total assets | $633,347,000 | 1,246 |
| Average earning assets | $600,522,000 | 1,224 |
| Average equity | $63,587,000 | 1,371 |
| Average total loans | $508,369,000 | 1,100 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,828 |
| Cost of funding earning assets | 0.9938% | 1,442 |
| Net interest margin | 3.3348% | 3,499 |
| Noninterest income to average assets | 0.3979% | 3,120 |
| Noninterest expense to average assets | 2.8587% | 2,244 |
| Loan and lease loss provision to assets | 1.1558% | 166 |
| Net operating income to assets | -0.2104% | 4,857 |
| Return on assets (ROA) | -0.9605% | 4,965 |
| Pretax return on assets | -1.3714% | 4,986 |
| Return on Equity (ROE) | -9.3640% | 4,993 |
| Retained earnings to average equity (ytd only) | -9.3640% | 4,746 |
| Net charge-offs to loans | -0.0095% | 4,061 |
| Credit loss provision to net charge-offs | -14,791.6667% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5722% | 1,186 |
| Assets per employee ($millions) | 7.1510% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 1,091 |
| Loan loss allowance to noncurrent loans | 2,316.0000% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,309 |
| Noncurrent loans to loans | 0.0687% | 4,256 |
| Net loans and leases to total assets | 80.5704% | 625 |
| Net loans and leases to deposits | 106.4454% | 279 |
| Net loans and leases to core deposits | 118.2399% | 525 |
| Total domestic deposits to total assets | 75.6917% | 4,517 |
| Equity capital to assets | 10.0753% | 3,710 |
| Core capital (leverage) ratio | 10.0288% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6808% | 2,010 |
| Memoranda: | ||
| Average total assets | $614,275,000 | 1,244 |
| Average earning assets | $588,468,000 | 1,208 |
| Average equity | $63,007,500 | 1,371 |
| Average total loans | $507,561,500 | 1,089 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 3,167 |
| Cost of funding earning assets | 1.1245% | 1,240 |
| Net interest margin | 3.3030% | 3,982 |
| Noninterest income to average assets | 0.4183% | 3,184 |
| Noninterest expense to average assets | 2.9684% | 2,101 |
| Loan and lease loss provision to assets | -0.2237% | 5,130 |
| Net operating income to assets | 0.6294% | 4,070 |
| Return on assets (ROA) | 0.6791% | 3,999 |
| Pretax return on assets | 0.9107% | 3,711 |
| Return on Equity (ROE) | 6.8017% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.8017% | 1,482 |
| Net charge-offs to loans | 0.0028% | 3,589 |
| Credit loss provision to net charge-offs | -9,714.2857% | 4,703 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 306 |
| Efficiency ratio | 82.6266% | 760 |
| Assets per employee ($millions) | 7.2192% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,177 |
| Loan loss allowance to noncurrent loans | 1,740.7713% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,324 |
| Noncurrent loans to loans | 0.0718% | 4,246 |
| Net loans and leases to total assets | 82.3597% | 509 |
| Net loans and leases to deposits | 107.4973% | 237 |
| Net loans and leases to core deposits | 121.1457% | 447 |
| Total domestic deposits to total assets | 76.6156% | 4,531 |
| Equity capital to assets | 10.4439% | 3,498 |
| Core capital (leverage) ratio | 10.3044% | 3,187 |
| Tier 1 risk-based capital ratio | 13.8523% | 3,339 |
| Total risk-based capital ratio | 15.1044% | 3,247 |
| Memoranda: | ||
| Average total assets | $607,867,400 | 1,210 |
| Average earning assets | $584,168,600 | 1,186 |
| Average equity | $60,690,800 | 1,369 |
| Average total loans | $507,292,400 | 1,068 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,339 |
| Cost of funding earning assets | 1.1298% | 1,242 |
| Net interest margin | 3.2756% | 4,134 |
| Noninterest income to average assets | 0.4064% | 3,271 |
| Noninterest expense to average assets | 2.9205% | 2,195 |
| Loan and lease loss provision to assets | -0.1480% | 5,193 |
| Net operating income to assets | 0.5831% | 4,332 |
| Return on assets (ROA) | 0.6063% | 4,334 |
| Pretax return on assets | 0.8098% | 4,098 |
| Return on Equity (ROE) | 6.1434% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.1434% | 2,302 |
| Net charge-offs to loans | 0.0005% | 3,446 |
| Credit loss provision to net charge-offs | -33,750.0000% | 4,710 |
| Earnings coverage of net charge-offs (x) | 1,440.6629% | 55 |
| Efficiency ratio | 82.2001% | 746 |
| Assets per employee ($millions) | 7.1577% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,635 |
| Loan loss allowance to noncurrent loans | 312.7954% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,043 |
| Noncurrent loans to loans | 0.4429% | 2,985 |
| Net loans and leases to total assets | 81.1308% | 693 |
| Net loans and leases to deposits | 106.9705% | 292 |
| Net loans and leases to core deposits | 120.9044% | 503 |
| Total domestic deposits to total assets | 75.8441% | 4,665 |
| Equity capital to assets | 10.1191% | 3,892 |
| Core capital (leverage) ratio | 10.0466% | 3,597 |
| Tier 1 risk-based capital ratio | 13.6104% | 3,520 |
| Total risk-based capital ratio | 14.8645% | 3,427 |
| Memoranda: | ||
| Average total assets | $608,231,250 | 1,213 |
| Average earning assets | $584,256,500 | 1,184 |
| Average equity | $60,030,250 | 1,379 |
| Average total loans | $507,676,000 | 1,061 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,438 |
| Cost of funding earning assets | 1.1051% | 1,281 |
| Net interest margin | 3.2596% | 4,222 |
| Noninterest income to average assets | 0.3833% | 3,381 |
| Noninterest expense to average assets | 2.9628% | 2,102 |
| Loan and lease loss provision to assets | -0.1651% | 5,239 |
| Net operating income to assets | 0.5378% | 4,448 |
| Return on assets (ROA) | 0.5527% | 4,450 |
| Pretax return on assets | 0.7342% | 4,249 |
| Return on Equity (ROE) | 5.6480% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.6480% | 2,449 |
| Net charge-offs to loans | 0.0004% | 3,167 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,575 |
| Earnings coverage of net charge-offs (x) | 1,667.0000% | 37 |
| Efficiency ratio | 84.3342% | 635 |
| Assets per employee ($millions) | 7.1601% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,587 |
| Loan loss allowance to noncurrent loans | 173.1343% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 2,008 |
| Noncurrent loans to loans | 0.8122% | 1,966 |
| Net loans and leases to total assets | 82.8517% | 493 |
| Net loans and leases to deposits | 108.0896% | 268 |
| Net loans and leases to core deposits | 121.7177% | 497 |
| Total domestic deposits to total assets | 76.6509% | 4,601 |
| Equity capital to assets | 10.0073% | 3,973 |
| Core capital (leverage) ratio | 9.9087% | 3,691 |
| Tier 1 risk-based capital ratio | 12.9477% | 3,867 |
| Total risk-based capital ratio | 14.2017% | 3,773 |
| Memoranda: | ||
| Average total assets | $605,788,330 | 1,216 |
| Average earning assets | $581,666,670 | 1,181 |
| Average equity | $59,277,330 | 1,386 |
| Average total loans | $508,093,000 | 1,064 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 3,401 |
| Cost of funding earning assets | 1.0702% | 1,288 |
| Net interest margin | 3.2802% | 4,210 |
| Noninterest income to average assets | 0.3878% | 3,271 |
| Noninterest expense to average assets | 2.7109% | 2,879 |
| Loan and lease loss provision to assets | -0.3309% | 5,326 |
| Net operating income to assets | 0.8479% | 3,462 |
| Return on assets (ROA) | 0.8657% | 3,423 |
| Pretax return on assets | 1.1787% | 2,880 |
| Return on Equity (ROE) | 8.9492% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.9492% | 1,339 |
| Net charge-offs to loans | 0.0118% | 2,265 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,151 |
| Earnings coverage of net charge-offs (x) | 83.1333% | 745 |
| Efficiency ratio | 76.6611% | 1,423 |
| Assets per employee ($millions) | 7.6008% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 1,644 |
| Loan loss allowance to noncurrent loans | 149.3861% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 1,784 |
| Noncurrent loans to loans | 0.9437% | 1,774 |
| Net loans and leases to total assets | 82.5580% | 521 |
| Net loans and leases to deposits | 105.9648% | 322 |
| Net loans and leases to core deposits | 119.7808% | 535 |
| Total domestic deposits to total assets | 77.9107% | 4,530 |
| Equity capital to assets | 9.8037% | 4,008 |
| Core capital (leverage) ratio | 9.9268% | 3,682 |
| Tier 1 risk-based capital ratio | 12.8829% | 3,940 |
| Total risk-based capital ratio | 14.1371% | 3,834 |
| Memoranda: | ||
| Average total assets | $604,379,000 | 1,215 |
| Average earning assets | $580,091,500 | 1,188 |
| Average equity | $58,463,500 | 1,400 |
| Average total loans | $506,423,000 | 1,063 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 2,962 |
| Cost of funding earning assets | 0.8885% | 1,140 |
| Net interest margin | 3.4518% | 3,853 |
| Noninterest income to average assets | 0.4476% | 3,118 |
| Noninterest expense to average assets | 2.9543% | 2,178 |
| Loan and lease loss provision to assets | 0.1916% | 996 |
| Net operating income to assets | 0.4363% | 4,794 |
| Return on assets (ROA) | 0.5389% | 4,568 |
| Pretax return on assets | 0.7215% | 4,358 |
| Return on Equity (ROE) | 5.7685% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.7685% | 2,310 |
| Net charge-offs to loans | -0.0128% | 4,564 |
| Credit loss provision to net charge-offs | -1,742.4242% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0452% | 1,035 |
| Assets per employee ($millions) | 7.1511% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,206 |
| Loan loss allowance to noncurrent loans | 102.7923% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,033 |
| Noncurrent loans to loans | 1.4861% | 1,027 |
| Net loans and leases to total assets | 82.5660% | 581 |
| Net loans and leases to deposits | 107.1305% | 332 |
| Net loans and leases to core deposits | 119.2380% | 570 |
| Total domestic deposits to total assets | 77.0705% | 4,619 |
| Equity capital to assets | 9.5413% | 4,092 |
| Core capital (leverage) ratio | 9.6026% | 3,999 |
| Tier 1 risk-based capital ratio | 12.6169% | 4,064 |
| Total risk-based capital ratio | 13.8725% | 3,946 |
| Memoranda: | ||
| Average total assets | $600,248,800 | 1,202 |
| Average earning assets | $572,086,200 | 1,177 |
| Average equity | $56,080,400 | 1,398 |
| Average total loans | $515,121,200 | 1,017 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,867 |
| Cost of funding earning assets | 0.8253% | 1,216 |
| Net interest margin | 3.4998% | 3,697 |
| Noninterest income to average assets | 0.4574% | 3,119 |
| Noninterest expense to average assets | 2.9959% | 2,028 |
| Loan and lease loss provision to assets | 0.2555% | 614 |
| Net operating income to assets | 0.3940% | 4,972 |
| Return on assets (ROA) | 0.5296% | 4,699 |
| Pretax return on assets | 0.7100% | 4,509 |
| Return on Equity (ROE) | 5.6993% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.6993% | 2,825 |
| Net charge-offs to loans | -0.0165% | 4,567 |
| Credit loss provision to net charge-offs | -1,796.8750% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0538% | 1,028 |
| Assets per employee ($millions) | 7.3255% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,348 |
| Loan loss allowance to noncurrent loans | 95.3272% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 1,006 |
| Noncurrent loans to loans | 1.5721% | 1,015 |
| Net loans and leases to total assets | 84.1534% | 439 |
| Net loans and leases to deposits | 114.2749% | 176 |
| Net loans and leases to core deposits | 127.4721% | 380 |
| Total domestic deposits to total assets | 73.6412% | 5,010 |
| Equity capital to assets | 9.3509% | 4,226 |
| Core capital (leverage) ratio | 9.6111% | 4,044 |
| Tier 1 risk-based capital ratio | 12.2226% | 4,360 |
| Total risk-based capital ratio | 13.4836% | 4,247 |
| Memoranda: | ||
| Average total assets | $600,137,750 | 1,199 |
| Average earning assets | $571,403,250 | 1,178 |
| Average equity | $55,772,000 | 1,404 |
| Average total loans | $517,986,000 | 1,006 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,684 |
| Cost of funding earning assets | 0.7671% | 1,294 |
| Net interest margin | 3.5579% | 3,442 |
| Noninterest income to average assets | 0.4850% | 2,947 |
| Noninterest expense to average assets | 3.1449% | 1,677 |
| Loan and lease loss provision to assets | 0.0333% | 3,251 |
| Net operating income to assets | 0.5019% | 4,748 |
| Return on assets (ROA) | 0.5614% | 4,605 |
| Pretax return on assets | 0.7681% | 4,342 |
| Return on Equity (ROE) | 6.0533% | 4,220 |
| Retained earnings to average equity (ytd only) | 6.0533% | 2,530 |
| Net charge-offs to loans | -0.0212% | 4,592 |
| Credit loss provision to net charge-offs | -181.8182% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2435% | 895 |
| Assets per employee ($millions) | 7.5934% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,274 |
| Loan loss allowance to noncurrent loans | 212.0205% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 2,671 |
| Noncurrent loans to loans | 0.6032% | 2,605 |
| Net loans and leases to total assets | 85.3440% | 324 |
| Net loans and leases to deposits | 115.8170% | 163 |
| Net loans and leases to core deposits | 128.9806% | 350 |
| Total domestic deposits to total assets | 73.6887% | 5,073 |
| Equity capital to assets | 9.3481% | 4,245 |
| Core capital (leverage) ratio | 9.4243% | 4,211 |
| Tier 1 risk-based capital ratio | 12.1005% | 4,442 |
| Total risk-based capital ratio | 13.3842% | 4,292 |
| Memoranda: | ||
| Average total assets | $599,953,330 | 1,204 |
| Average earning assets | $570,947,000 | 1,182 |
| Average equity | $55,639,330 | 1,411 |
| Average total loans | $519,583,670 | 1,006 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,555 |
| Cost of funding earning assets | 0.7064% | 1,404 |
| Net interest margin | 3.5848% | 3,241 |
| Noninterest income to average assets | 0.4473% | 3,131 |
| Noninterest expense to average assets | 3.2267% | 1,511 |
| Loan and lease loss provision to assets | 0.0667% | 2,439 |
| Net operating income to assets | 0.3430% | 5,021 |
| Return on assets (ROA) | 0.3867% | 4,958 |
| Pretax return on assets | 0.6193% | 4,642 |
| Return on Equity (ROE) | 4.1862% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.1862% | 3,515 |
| Net charge-offs to loans | -0.0123% | 4,335 |
| Credit loss provision to net charge-offs | -625.0000% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6502% | 826 |
| Assets per employee ($millions) | 6.5549% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,407 |
| Loan loss allowance to noncurrent loans | 1,627.9012% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,753 |
| Noncurrent loans to loans | 0.0779% | 4,635 |
| Net loans and leases to total assets | 86.0411% | 257 |
| Net loans and leases to deposits | 115.0110% | 166 |
| Net loans and leases to core deposits | 125.9571% | 422 |
| Total domestic deposits to total assets | 74.8112% | 5,080 |
| Equity capital to assets | 9.2807% | 4,282 |
| Core capital (leverage) ratio | 9.3225% | 4,290 |
| Tier 1 risk-based capital ratio | 11.9627% | 4,569 |
| Total risk-based capital ratio | 13.2649% | 4,432 |
| Memoranda: | ||
| Average total assets | $599,991,000 | 1,214 |
| Average earning assets | $570,745,500 | 1,187 |
| Average equity | $55,420,500 | 1,418 |
| Average total loans | $520,079,500 | 1,010 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,496 |
| Cost of funding earning assets | 0.6472% | 1,311 |
| Net interest margin | 3.6023% | 3,159 |
| Noninterest income to average assets | 0.5014% | 2,990 |
| Noninterest expense to average assets | 2.9302% | 2,349 |
| Loan and lease loss provision to assets | 0.0168% | 3,959 |
| Net operating income to assets | 0.5328% | 4,283 |
| Return on assets (ROA) | 0.5920% | 4,084 |
| Pretax return on assets | 1.0671% | 3,312 |
| Return on Equity (ROE) | 6.5727% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.5727% | 1,247 |
| Net charge-offs to loans | -0.0693% | 5,272 |
| Credit loss provision to net charge-offs | -28.4091% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7172% | 1,796 |
| Assets per employee ($millions) | 7.1844% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,505 |
| Loan loss allowance to noncurrent loans | 626.4023% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,270 |
| Noncurrent loans to loans | 0.1987% | 4,118 |
| Net loans and leases to total assets | 85.1481% | 332 |
| Net loans and leases to deposits | 118.7880% | 124 |
| Net loans and leases to core deposits | 127.8756% | 390 |
| Total domestic deposits to total assets | 71.6807% | 5,340 |
| Equity capital to assets | 9.1936% | 4,535 |
| Core capital (leverage) ratio | 9.1961% | 4,400 |
| Tier 1 risk-based capital ratio | 11.7481% | 4,686 |
| Total risk-based capital ratio | 13.0774% | 4,531 |
| Memoranda: | ||
| Average total assets | $595,138,200 | 1,204 |
| Average earning assets | $565,079,400 | 1,172 |
| Average equity | $53,600,200 | 1,437 |
| Average total loans | $507,779,600 | 1,010 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,575 |
| Cost of funding earning assets | 0.6358% | 1,327 |
| Net interest margin | 3.5738% | 3,247 |
| Noninterest income to average assets | 0.5157% | 2,934 |
| Noninterest expense to average assets | 3.0002% | 2,105 |
| Loan and lease loss provision to assets | 0.0225% | 3,693 |
| Net operating income to assets | 0.5593% | 4,543 |
| Return on assets (ROA) | 0.6371% | 4,298 |
| Pretax return on assets | 1.0079% | 3,656 |
| Return on Equity (ROE) | 7.1120% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.1120% | 1,636 |
| Net charge-offs to loans | -0.0938% | 5,363 |
| Credit loss provision to net charge-offs | -28.1690% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7527% | 1,493 |
| Assets per employee ($millions) | 6.7641% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,557 |
| Loan loss allowance to noncurrent loans | 542.2594% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 4,291 |
| Noncurrent loans to loans | 0.2331% | 4,131 |
| Net loans and leases to total assets | 85.0520% | 332 |
| Net loans and leases to deposits | 115.8179% | 156 |
| Net loans and leases to core deposits | 124.0796% | 461 |
| Total domestic deposits to total assets | 73.4360% | 5,281 |
| Equity capital to assets | 9.1909% | 4,735 |
| Core capital (leverage) ratio | 9.1316% | 4,595 |
| Tier 1 risk-based capital ratio | 11.7594% | 4,800 |
| Total risk-based capital ratio | 13.0631% | 4,630 |
| Memoranda: | ||
| Average total assets | $593,051,000 | 1,212 |
| Average earning assets | $563,088,500 | 1,181 |
| Average equity | $53,129,750 | 1,458 |
| Average total loans | $504,640,750 | 1,017 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 2,597 |
| Cost of funding earning assets | 0.6250% | 1,306 |
| Net interest margin | 3.5418% | 3,251 |
| Noninterest income to average assets | 0.5115% | 2,950 |
| Noninterest expense to average assets | 2.9808% | 2,170 |
| Loan and lease loss provision to assets | 0.0338% | 3,313 |
| Net operating income to assets | 0.5444% | 4,549 |
| Return on assets (ROA) | 0.5919% | 4,392 |
| Pretax return on assets | 0.9292% | 3,834 |
| Return on Equity (ROE) | 6.6649% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.6649% | 1,758 |
| Net charge-offs to loans | -0.0849% | 5,365 |
| Credit loss provision to net charge-offs | -46.9484% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0332% | 1,580 |
| Assets per employee ($millions) | 6.6425% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,796 |
| Loan loss allowance to noncurrent loans | 389.7909% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 4,045 |
| Noncurrent loans to loans | 0.3167% | 3,901 |
| Net loans and leases to total assets | 83.8851% | 460 |
| Net loans and leases to deposits | 114.2498% | 191 |
| Net loans and leases to core deposits | 122.1408% | 484 |
| Total domestic deposits to total assets | 73.4225% | 5,340 |
| Equity capital to assets | 8.8764% | 5,013 |
| Core capital (leverage) ratio | 9.1329% | 4,575 |
| Tier 1 risk-based capital ratio | 11.3087% | 5,083 |
| Total risk-based capital ratio | 12.6102% | 4,936 |
| Memoranda: | ||
| Average total assets | $592,322,000 | 1,217 |
| Average earning assets | $561,575,330 | 1,189 |
| Average equity | $52,603,670 | 1,473 |
| Average total loans | $501,940,330 | 1,020 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,332 |
| Cost of funding earning assets | 0.6102% | 1,298 |
| Net interest margin | 3.5710% | 3,001 |
| Noninterest income to average assets | 0.4694% | 3,194 |
| Noninterest expense to average assets | 2.9864% | 2,195 |
| Loan and lease loss provision to assets | 0.0682% | 2,445 |
| Net operating income to assets | 0.5096% | 4,559 |
| Return on assets (ROA) | 0.5847% | 4,267 |
| Pretax return on assets | 0.9102% | 3,729 |
| Return on Equity (ROE) | 6.5824% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.5824% | 2,039 |
| Net charge-offs to loans | -0.1620% | 5,579 |
| Credit loss provision to net charge-offs | -49.7512% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6201% | 1,685 |
| Assets per employee ($millions) | 6.2927% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,679 |
| Loan loss allowance to noncurrent loans | 433.2877% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 4,225 |
| Noncurrent loans to loans | 0.2934% | 4,063 |
| Net loans and leases to total assets | 83.0519% | 454 |
| Net loans and leases to deposits | 111.3490% | 197 |
| Net loans and leases to core deposits | 118.8473% | 490 |
| Total domestic deposits to total assets | 74.5870% | 5,370 |
| Equity capital to assets | 8.8892% | 4,916 |
| Core capital (leverage) ratio | 8.9709% | 4,774 |
| Tier 1 risk-based capital ratio | 10.4499% | 5,562 |
| Total risk-based capital ratio | 11.7411% | 5,472 |
| Memoranda: | ||
| Average total assets | $586,248,000 | 1,228 |
| Average earning assets | $554,573,000 | 1,197 |
| Average equity | $52,078,000 | 1,484 |
| Average total loans | $496,211,500 | 1,026 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,683 |
| Cost of funding earning assets | 0.6950% | 830 |
| Net interest margin | 3.4482% | 3,635 |
| Noninterest income to average assets | 0.5375% | 2,990 |
| Noninterest expense to average assets | 2.8935% | 2,693 |
| Loan and lease loss provision to assets | 0.1508% | 1,658 |
| Net operating income to assets | 0.4910% | 4,667 |
| Return on assets (ROA) | 0.5549% | 4,520 |
| Pretax return on assets | 0.8523% | 4,003 |
| Return on Equity (ROE) | 6.0127% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.0127% | 1,696 |
| Net charge-offs to loans | 0.0235% | 3,577 |
| Credit loss provision to net charge-offs | 763.8889% | 479 |
| Earnings coverage of net charge-offs (x) | 45.8333% | 1,067 |
| Efficiency ratio | 76.1756% | 1,955 |
| Assets per employee ($millions) | 6.1156% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 3,012 |
| Loan loss allowance to noncurrent loans | 312.8245% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,956 |
| Noncurrent loans to loans | 0.3892% | 3,750 |
| Net loans and leases to total assets | 84.1349% | 376 |
| Net loans and leases to deposits | 113.6483% | 164 |
| Net loans and leases to core deposits | 121.4240% | 447 |
| Total domestic deposits to total assets | 74.0309% | 5,441 |
| Equity capital to assets | 8.8772% | 4,939 |
| Core capital (leverage) ratio | 8.9582% | 4,788 |
| Tier 1 risk-based capital ratio | 10.3819% | 5,620 |
| Total risk-based capital ratio | 11.6624% | 5,551 |
| Memoranda: | ||
| Average total assets | $546,982,600 | 1,265 |
| Average earning assets | $517,282,200 | 1,245 |
| Average equity | $50,476,800 | 1,506 |
| Average total loans | $460,357,400 | 1,057 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 2,731 |
| Cost of funding earning assets | 0.6985% | 821 |
| Net interest margin | 3.4391% | 3,709 |
| Noninterest income to average assets | 0.5489% | 2,924 |
| Noninterest expense to average assets | 2.9517% | 2,456 |
| Loan and lease loss provision to assets | 0.1609% | 1,437 |
| Net operating income to assets | 0.4488% | 4,878 |
| Return on assets (ROA) | 0.5341% | 4,661 |
| Pretax return on assets | 0.8131% | 4,268 |
| Return on Equity (ROE) | 5.7287% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.7287% | 2,342 |
| Net charge-offs to loans | 0.0331% | 2,979 |
| Credit loss provision to net charge-offs | 580.3571% | 632 |
| Earnings coverage of net charge-offs (x) | 30.4642% | 1,474 |
| Efficiency ratio | 77.7473% | 1,722 |
| Assets per employee ($millions) | 6.0819% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,206 |
| Loan loss allowance to noncurrent loans | 335.3987% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 4,212 |
| Noncurrent loans to loans | 0.3592% | 3,972 |
| Net loans and leases to total assets | 82.9792% | 515 |
| Net loans and leases to deposits | 112.8352% | 208 |
| Net loans and leases to core deposits | 120.1933% | 497 |
| Total domestic deposits to total assets | 73.5402% | 5,474 |
| Equity capital to assets | 8.8952% | 5,246 |
| Core capital (leverage) ratio | 8.9655% | 4,864 |
| Tier 1 risk-based capital ratio | 10.4559% | 5,637 |
| Total risk-based capital ratio | 11.7333% | 5,551 |
| Memoranda: | ||
| Average total assets | $538,483,250 | 1,290 |
| Average earning assets | $508,489,750 | 1,263 |
| Average equity | $50,202,250 | 1,521 |
| Average total loans | $451,738,750 | 1,078 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,774 |
| Cost of funding earning assets | 0.7112% | 758 |
| Net interest margin | 3.4107% | 3,848 |
| Noninterest income to average assets | 0.5375% | 2,968 |
| Noninterest expense to average assets | 3.0168% | 2,288 |
| Loan and lease loss provision to assets | 0.1523% | 1,502 |
| Net operating income to assets | 0.3969% | 5,045 |
| Return on assets (ROA) | 0.4972% | 4,793 |
| Pretax return on assets | 0.7438% | 4,482 |
| Return on Equity (ROE) | 5.2445% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.2445% | 2,585 |
| Net charge-offs to loans | 0.0563% | 2,390 |
| Credit loss provision to net charge-offs | 322.5806% | 913 |
| Earnings coverage of net charge-offs (x) | 15.8145% | 1,967 |
| Efficiency ratio | 80.1639% | 1,475 |
| Assets per employee ($millions) | 5.9401% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 3,347 |
| Loan loss allowance to noncurrent loans | 268.9788% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 4,001 |
| Noncurrent loans to loans | 0.4470% | 3,765 |
| Net loans and leases to total assets | 82.1816% | 607 |
| Net loans and leases to deposits | 115.7537% | 149 |
| Net loans and leases to core deposits | 124.5190% | 398 |
| Total domestic deposits to total assets | 70.9970% | 5,728 |
| Equity capital to assets | 9.0805% | 5,180 |
| Core capital (leverage) ratio | 9.3223% | 4,429 |
| Tier 1 risk-based capital ratio | 10.6043% | 5,626 |
| Total risk-based capital ratio | 11.8896% | 5,523 |
| Memoranda: | ||
| Average total assets | $525,383,670 | 1,320 |
| Average earning assets | $496,907,670 | 1,291 |
| Average equity | $49,804,670 | 1,529 |
| Average total loans | $440,556,670 | 1,113 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 2,520 |
| Cost of funding earning assets | 0.7127% | 758 |
| Net interest margin | 3.4743% | 3,576 |
| Noninterest income to average assets | 0.4559% | 3,443 |
| Noninterest expense to average assets | 2.9334% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5293% | 4,509 |
| Return on assets (ROA) | 0.5345% | 4,596 |
| Pretax return on assets | 0.8143% | 4,151 |
| Return on Equity (ROE) | 5.5110% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.5110% | 2,637 |
| Net charge-offs to loans | 0.1269% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.5441% | 2,143 |
| Efficiency ratio | 78.4363% | 1,831 |
| Assets per employee ($millions) | 5.8765% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 3,458 |
| Loan loss allowance to noncurrent loans | 241.7952% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 3,919 |
| Noncurrent loans to loans | 0.4977% | 3,682 |
| Net loans and leases to total assets | 83.0521% | 453 |
| Net loans and leases to deposits | 114.6498% | 141 |
| Net loans and leases to core deposits | 125.6545% | 341 |
| Total domestic deposits to total assets | 72.4398% | 5,741 |
| Equity capital to assets | 9.7626% | 4,383 |
| Core capital (leverage) ratio | 9.6841% | 3,933 |
| Tier 1 risk-based capital ratio | 11.2146% | 5,388 |
| Total risk-based capital ratio | 12.5008% | 5,276 |
| Memoranda: | ||
| Average total assets | $508,889,000 | 1,357 |
| Average earning assets | $481,021,500 | 1,321 |
| Average equity | $49,355,500 | 1,539 |
| Average total loans | $428,603,000 | 1,136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 2,681 |
| Cost of funding earning assets | 0.6812% | 904 |
| Net interest margin | 3.4855% | 3,573 |
| Noninterest income to average assets | 0.5365% | 3,098 |
| Noninterest expense to average assets | 3.0684% | 2,325 |
| Loan and lease loss provision to assets | 0.1331% | 1,790 |
| Net operating income to assets | 0.4104% | 5,023 |
| Return on assets (ROA) | 0.6263% | 4,244 |
| Pretax return on assets | 0.9467% | 3,665 |
| Return on Equity (ROE) | 6.4602% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.4602% | 1,560 |
| Net charge-offs to loans | -0.0229% | 5,314 |
| Credit loss provision to net charge-offs | -704.3011% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3021% | 1,631 |
| Assets per employee ($millions) | 6.1771% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 3,231 |
| Loan loss allowance to noncurrent loans | 205.4975% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 3,399 |
| Noncurrent loans to loans | 0.6043% | 3,355 |
| Net loans and leases to total assets | 83.3364% | 448 |
| Net loans and leases to deposits | 118.3683% | 117 |
| Net loans and leases to core deposits | 130.0838% | 267 |
| Total domestic deposits to total assets | 70.4043% | 5,874 |
| Equity capital to assets | 9.6341% | 4,394 |
| Core capital (leverage) ratio | 9.6666% | 3,952 |
| Tier 1 risk-based capital ratio | 11.0674% | 5,488 |
| Total risk-based capital ratio | 12.3311% | 5,382 |
| Memoranda: | ||
| Average total assets | $492,116,200 | 1,370 |
| Average earning assets | $463,749,000 | 1,334 |
| Average equity | $47,707,600 | 1,555 |
| Average total loans | $405,860,400 | 1,140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,788 |
| Cost of funding earning assets | 0.6716% | 976 |
| Net interest margin | 3.4657% | 3,692 |
| Noninterest income to average assets | 0.5565% | 3,011 |
| Noninterest expense to average assets | 3.1300% | 2,142 |
| Loan and lease loss provision to assets | 0.0628% | 2,928 |
| Net operating income to assets | 0.4153% | 5,106 |
| Return on assets (ROA) | 0.6408% | 4,292 |
| Pretax return on assets | 0.9700% | 3,742 |
| Return on Equity (ROE) | 6.5998% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.5998% | 1,889 |
| Net charge-offs to loans | -0.0270% | 5,307 |
| Credit loss provision to net charge-offs | -283.9506% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9143% | 1,411 |
| Assets per employee ($millions) | 6.0581% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,821 |
| Loan loss allowance to noncurrent loans | 202.9583% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 3,714 |
| Noncurrent loans to loans | 0.5759% | 3,607 |
| Net loans and leases to total assets | 81.9065% | 589 |
| Net loans and leases to deposits | 116.9762% | 138 |
| Net loans and leases to core deposits | 130.5063% | 267 |
| Total domestic deposits to total assets | 70.0198% | 5,972 |
| Equity capital to assets | 9.5781% | 4,662 |
| Core capital (leverage) ratio | 9.9031% | 3,768 |
| Tier 1 risk-based capital ratio | 11.1810% | 5,557 |
| Total risk-based capital ratio | 14.0186% | 4,478 |
| Memoranda: | ||
| Average total assets | $488,514,500 | 1,383 |
| Average earning assets | $460,160,000 | 1,351 |
| Average equity | $47,434,750 | 1,571 |
| Average total loans | $400,469,000 | 1,156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,864 |
| Cost of funding earning assets | 0.6597% | 1,049 |
| Net interest margin | 3.4489% | 3,713 |
| Noninterest income to average assets | 0.5366% | 3,128 |
| Noninterest expense to average assets | 3.1467% | 2,130 |
| Loan and lease loss provision to assets | 0.0620% | 2,870 |
| Net operating income to assets | 0.3790% | 5,207 |
| Return on assets (ROA) | 0.7037% | 3,993 |
| Pretax return on assets | 1.0667% | 3,319 |
| Return on Equity (ROE) | 7.2130% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.2130% | 1,612 |
| Net charge-offs to loans | -0.0375% | 5,421 |
| Credit loss provision to net charge-offs | -202.7027% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1712% | 1,345 |
| Assets per employee ($millions) | 5.6194% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,885 |
| Loan loss allowance to noncurrent loans | 170.7352% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 3,717 |
| Noncurrent loans to loans | 0.6937% | 3,411 |
| Net loans and leases to total assets | 80.7118% | 705 |
| Net loans and leases to deposits | 112.5146% | 212 |
| Net loans and leases to core deposits | 124.9723% | 356 |
| Total domestic deposits to total assets | 71.7346% | 5,947 |
| Equity capital to assets | 9.5843% | 4,552 |
| Core capital (leverage) ratio | 9.8030% | 3,859 |
| Tier 1 risk-based capital ratio | 11.3195% | 5,567 |
| Total risk-based capital ratio | 14.2535% | 4,431 |
| Memoranda: | ||
| Average total assets | $483,745,330 | 1,410 |
| Average earning assets | $455,388,330 | 1,373 |
| Average equity | $47,192,670 | 1,585 |
| Average total loans | $395,053,670 | 1,168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 2,834 |
| Cost of funding earning assets | 0.6592% | 1,057 |
| Net interest margin | 3.4404% | 3,668 |
| Noninterest income to average assets | 0.5234% | 3,135 |
| Noninterest expense to average assets | 3.1173% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4361% | 4,926 |
| Return on assets (ROA) | 0.7969% | 3,405 |
| Pretax return on assets | 1.1874% | 2,722 |
| Return on Equity (ROE) | 8.0949% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.0949% | 1,534 |
| Net charge-offs to loans | -0.0420% | 5,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7709% | 1,527 |
| Assets per employee ($millions) | 5.9392% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 4,100 |
| Loan loss allowance to noncurrent loans | 148.9479% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 3,552 |
| Noncurrent loans to loans | 0.7904% | 3,273 |
| Net loans and leases to total assets | 81.2876% | 540 |
| Net loans and leases to deposits | 112.7120% | 177 |
| Net loans and leases to core deposits | 124.5057% | 317 |
| Total domestic deposits to total assets | 72.1197% | 6,036 |
| Equity capital to assets | 9.9874% | 4,165 |
| Core capital (leverage) ratio | 9.7593% | 3,939 |
| Tier 1 risk-based capital ratio | 11.4797% | 5,568 |
| Total risk-based capital ratio | 15.3415% | 3,875 |
| Memoranda: | ||
| Average total assets | $478,365,500 | 1,432 |
| Average earning assets | $450,878,500 | 1,392 |
| Average equity | $47,091,500 | 1,590 |
| Average total loans | $390,626,500 | 1,174 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,026 |
| Cost of funding earning assets | 0.7440% | 872 |
| Net interest margin | 3.4311% | 4,060 |
| Noninterest income to average assets | 0.5511% | 3,170 |
| Noninterest expense to average assets | 3.0206% | 2,785 |
| Loan and lease loss provision to assets | -0.0367% | 5,991 |
| Net operating income to assets | 0.5259% | 4,699 |
| Return on assets (ROA) | 0.6455% | 4,262 |
| Pretax return on assets | 0.9574% | 3,655 |
| Return on Equity (ROE) | 6.8304% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.8304% | 1,487 |
| Net charge-offs to loans | -0.1712% | 6,235 |
| Credit loss provision to net charge-offs | 26.9470% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2741% | 1,885 |
| Assets per employee ($millions) | 6.0199% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 4,181 |
| Loan loss allowance to noncurrent loans | 150.1976% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 3,688 |
| Noncurrent loans to loans | 0.7776% | 3,370 |
| Net loans and leases to total assets | 80.1224% | 726 |
| Net loans and leases to deposits | 117.2529% | 122 |
| Net loans and leases to core deposits | 129.7721% | 247 |
| Total domestic deposits to total assets | 68.3329% | 6,256 |
| Equity capital to assets | 9.7030% | 4,467 |
| Core capital (leverage) ratio | 9.5963% | 4,108 |
| Tier 1 risk-based capital ratio | 11.6232% | 5,594 |
| Total risk-based capital ratio | 16.4964% | 3,300 |
| Memoranda: | ||
| Average total assets | $471,265,200 | 1,419 |
| Average earning assets | $441,141,400 | 1,387 |
| Average equity | $44,536,200 | 1,623 |
| Average total loans | $374,982,400 | 1,179 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 3,036 |
| Cost of funding earning assets | 0.7604% | 846 |
| Net interest margin | 3.4275% | 4,117 |
| Noninterest income to average assets | 0.5451% | 3,231 |
| Noninterest expense to average assets | 3.0894% | 2,502 |
| Loan and lease loss provision to assets | -0.0862% | 6,250 |
| Net operating income to assets | 0.5106% | 4,837 |
| Return on assets (ROA) | 0.6054% | 4,510 |
| Pretax return on assets | 0.8859% | 4,051 |
| Return on Equity (ROE) | 6.4501% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.4501% | 2,132 |
| Net charge-offs to loans | -0.2256% | 6,331 |
| Credit loss provision to net charge-offs | 48.2484% | 3,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3913% | 1,565 |
| Assets per employee ($millions) | 5.8890% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 4,413 |
| Loan loss allowance to noncurrent loans | 141.6292% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 3,855 |
| Noncurrent loans to loans | 0.8224% | 3,517 |
| Net loans and leases to total assets | 79.5394% | 768 |
| Net loans and leases to deposits | 118.2982% | 114 |
| Net loans and leases to core deposits | 129.3724% | 238 |
| Total domestic deposits to total assets | 67.2364% | 6,373 |
| Equity capital to assets | 9.6479% | 4,609 |
| Core capital (leverage) ratio | 9.4866% | 4,397 |
| Tier 1 risk-based capital ratio | 11.7640% | 5,631 |
| Total risk-based capital ratio | 16.7666% | 3,251 |
| Memoranda: | ||
| Average total assets | $468,683,500 | 1,441 |
| Average earning assets | $438,207,750 | 1,407 |
| Average equity | $43,988,000 | 1,642 |
| Average total loans | $371,122,250 | 1,196 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 3,007 |
| Cost of funding earning assets | 0.7693% | 838 |
| Net interest margin | 3.4155% | 4,115 |
| Noninterest income to average assets | 0.5292% | 3,273 |
| Noninterest expense to average assets | 3.1060% | 2,470 |
| Loan and lease loss provision to assets | -0.1295% | 6,406 |
| Net operating income to assets | 0.5107% | 4,765 |
| Return on assets (ROA) | 0.5553% | 4,676 |
| Pretax return on assets | 0.8019% | 4,255 |
| Return on Equity (ROE) | 5.9725% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.9725% | 2,339 |
| Net charge-offs to loans | -0.3029% | 6,435 |
| Credit loss provision to net charge-offs | 54.3011% | 2,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6326% | 1,558 |
| Assets per employee ($millions) | 5.1448% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 4,533 |
| Loan loss allowance to noncurrent loans | 122.7337% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 3,723 |
| Noncurrent loans to loans | 0.9582% | 3,328 |
| Net loans and leases to total assets | 77.1557% | 1,027 |
| Net loans and leases to deposits | 111.3229% | 178 |
| Net loans and leases to core deposits | 120.7882% | 356 |
| Total domestic deposits to total assets | 69.3080% | 6,379 |
| Equity capital to assets | 9.4707% | 4,777 |
| Core capital (leverage) ratio | 9.3646% | 4,511 |
| Tier 1 risk-based capital ratio | 11.8795% | 5,606 |
| Total risk-based capital ratio | 17.0293% | 3,145 |
| Memoranda: | ||
| Average total assets | $467,871,330 | 1,439 |
| Average earning assets | $436,242,000 | 1,411 |
| Average equity | $43,499,670 | 1,647 |
| Average total loans | $368,449,000 | 1,200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 2,894 |
| Cost of funding earning assets | 0.7854% | 804 |
| Net interest margin | 3.4103% | 4,075 |
| Noninterest income to average assets | 0.4859% | 3,522 |
| Noninterest expense to average assets | 3.2360% | 2,106 |
| Loan and lease loss provision to assets | -0.2606% | 6,603 |
| Net operating income to assets | 0.4671% | 4,859 |
| Return on assets (ROA) | 0.5022% | 4,763 |
| Pretax return on assets | 0.7361% | 4,369 |
| Return on Equity (ROE) | 5.4534% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.4534% | 2,812 |
| Net charge-offs to loans | -0.4653% | 6,548 |
| Credit loss provision to net charge-offs | 70.7944% | 1,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4164% | 1,187 |
| Assets per employee ($millions) | 5.5519% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 4,870 |
| Loan loss allowance to noncurrent loans | 113.7001% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 3,705 |
| Noncurrent loans to loans | 1.0121% | 3,395 |
| Net loans and leases to total assets | 77.6554% | 802 |
| Net loans and leases to deposits | 110.8087% | 140 |
| Net loans and leases to core deposits | 120.5519% | 316 |
| Total domestic deposits to total assets | 70.0806% | 6,448 |
| Equity capital to assets | 9.3112% | 4,747 |
| Core capital (leverage) ratio | 9.3172% | 4,548 |
| Tier 1 risk-based capital ratio | 11.7852% | 5,771 |
| Total risk-based capital ratio | 16.9360% | 3,307 |
| Memoranda: | ||
| Average total assets | $465,144,500 | 1,449 |
| Average earning assets | $432,927,000 | 1,431 |
| Average equity | $42,836,000 | 1,661 |
| Average total loans | $367,902,000 | 1,202 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,988 |
| Cost of funding earning assets | 0.9055% | 713 |
| Net interest margin | 3.3868% | 4,329 |
| Noninterest income to average assets | 0.6592% | 2,759 |
| Noninterest expense to average assets | 3.0459% | 2,910 |
| Loan and lease loss provision to assets | 0.1892% | 1,950 |
| Net operating income to assets | 0.3879% | 5,184 |
| Return on assets (ROA) | 0.5329% | 4,710 |
| Pretax return on assets | 0.7888% | 4,189 |
| Return on Equity (ROE) | 5.8470% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.8470% | 2,070 |
| Net charge-offs to loans | 0.1346% | 3,454 |
| Credit loss provision to net charge-offs | 175.0503% | 1,307 |
| Earnings coverage of net charge-offs (x) | 7.0765% | 2,918 |
| Efficiency ratio | 79.9327% | 2,158 |
| Assets per employee ($millions) | 5.5229% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,113 |
| Loan loss allowance to noncurrent loans | 110.8973% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 2,095 |
| Noncurrent loans to loans | 0.9986% | 3,518 |
| Net loans and leases to total assets | 78.7498% | 739 |
| Net loans and leases to deposits | 114.8831% | 111 |
| Net loans and leases to core deposits | 126.0649% | 237 |
| Total domestic deposits to total assets | 68.5478% | 6,569 |
| Equity capital to assets | 9.1066% | 4,915 |
| Core capital (leverage) ratio | 9.1566% | 4,772 |
| Tier 1 risk-based capital ratio | 11.5470% | 5,881 |
| Total risk-based capital ratio | 16.6151% | 3,396 |
| Memoranda: | ||
| Average total assets | $459,935,000 | 1,435 |
| Average earning assets | $427,961,400 | 1,428 |
| Average equity | $41,919,200 | 1,676 |
| Average total loans | $369,177,800 | 1,157 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,945 |
| Cost of funding earning assets | 0.9310% | 701 |
| Net interest margin | 3.3788% | 4,363 |
| Noninterest income to average assets | 0.6859% | 2,693 |
| Noninterest expense to average assets | 3.0292% | 2,888 |
| Loan and lease loss provision to assets | 0.0494% | 4,027 |
| Net operating income to assets | 0.5033% | 4,775 |
| Return on assets (ROA) | 0.5961% | 4,489 |
| Pretax return on assets | 0.8983% | 3,894 |
| Return on Equity (ROE) | 6.5395% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.5395% | 2,113 |
| Net charge-offs to loans | -0.0350% | 6,203 |
| Credit loss provision to net charge-offs | -175.2577% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9625% | 2,269 |
| Assets per employee ($millions) | 5.6942% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,451 |
| Loan loss allowance to noncurrent loans | 50.9200% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6968% | 2,422 |
| Noncurrent loans to loans | 2.0977% | 2,133 |
| Net loans and leases to total assets | 80.0241% | 545 |
| Net loans and leases to deposits | 115.3504% | 103 |
| Net loans and leases to core deposits | 124.7945% | 253 |
| Total domestic deposits to total assets | 69.3748% | 6,623 |
| Equity capital to assets | 9.1557% | 4,987 |
| Core capital (leverage) ratio | 9.1229% | 4,935 |
| Tier 1 risk-based capital ratio | 11.5378% | 6,040 |
| Total risk-based capital ratio | 16.6792% | 3,460 |
| Memoranda: | ||
| Average total assets | $458,937,250 | 1,447 |
| Average earning assets | $427,909,000 | 1,433 |
| Average equity | $41,837,000 | 1,689 |
| Average total loans | $369,114,250 | 1,156 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,726 |
| Cost of funding earning assets | 0.9507% | 711 |
| Net interest margin | 3.4074% | 4,165 |
| Noninterest income to average assets | 0.7608% | 2,361 |
| Noninterest expense to average assets | 3.0674% | 2,768 |
| Loan and lease loss provision to assets | 0.0306% | 4,320 |
| Net operating income to assets | 0.5470% | 4,569 |
| Return on assets (ROA) | 0.6718% | 4,116 |
| Pretax return on assets | 1.0311% | 3,373 |
| Return on Equity (ROE) | 7.3802% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.3802% | 1,724 |
| Net charge-offs to loans | -0.0468% | 6,240 |
| Credit loss provision to net charge-offs | -81.3953% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9133% | 2,472 |
| Assets per employee ($millions) | 5.1518% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 5,668 |
| Loan loss allowance to noncurrent loans | 139.8051% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 4,733 |
| Noncurrent loans to loans | 0.7433% | 4,439 |
| Net loans and leases to total assets | 80.4571% | 494 |
| Net loans and leases to deposits | 115.0661% | 90 |
| Net loans and leases to core deposits | 124.7567% | 243 |
| Total domestic deposits to total assets | 69.9225% | 6,663 |
| Equity capital to assets | 9.0827% | 5,131 |
| Core capital (leverage) ratio | 8.9803% | 5,025 |
| Tier 1 risk-based capital ratio | 11.5108% | 6,107 |
| Total risk-based capital ratio | 16.6615% | 3,488 |
| Memoranda: | ||
| Average total assets | $458,172,670 | 1,453 |
| Average earning assets | $427,068,330 | 1,428 |
| Average equity | $41,706,330 | 1,697 |
| Average total loans | $367,792,000 | 1,151 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,518 |
| Cost of funding earning assets | 0.9678% | 716 |
| Net interest margin | 3.4338% | 3,990 |
| Noninterest income to average assets | 0.7083% | 2,546 |
| Noninterest expense to average assets | 2.9458% | 3,174 |
| Loan and lease loss provision to assets | 0.0437% | 3,872 |
| Net operating income to assets | 0.5926% | 4,255 |
| Return on assets (ROA) | 0.7362% | 3,640 |
| Pretax return on assets | 1.1441% | 2,793 |
| Return on Equity (ROE) | 8.0792% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.0792% | 1,725 |
| Net charge-offs to loans | -0.0504% | 6,144 |
| Credit loss provision to net charge-offs | -108.6957% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3575% | 3,034 |
| Assets per employee ($millions) | 5.6335% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 5,769 |
| Loan loss allowance to noncurrent loans | 116.8147% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 4,490 |
| Noncurrent loans to loans | 0.9045% | 4,325 |
| Net loans and leases to total assets | 77.3125% | 685 |
| Net loans and leases to deposits | 110.3543% | 125 |
| Net loans and leases to core deposits | 119.5946% | 290 |
| Total domestic deposits to total assets | 70.0585% | 6,759 |
| Equity capital to assets | 9.1121% | 5,359 |
| Core capital (leverage) ratio | 8.9234% | 5,020 |
| Tier 1 risk-based capital ratio | 11.5322% | 6,173 |
| Total risk-based capital ratio | 16.7106% | 3,510 |
| Memoranda: | ||
| Average total assets | $458,004,500 | 1,468 |
| Average earning assets | $426,937,500 | 1,440 |
| Average equity | $41,737,000 | 1,722 |
| Average total loans | $365,299,500 | 1,173 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 3,280 |
| Cost of funding earning assets | 1.1354% | 787 |
| Net interest margin | 3.3936% | 4,906 |
| Noninterest income to average assets | 1.1818% | 1,121 |
| Noninterest expense to average assets | 2.9565% | 3,445 |
| Loan and lease loss provision to assets | 0.2492% | 2,659 |
| Net operating income to assets | 0.7156% | 3,664 |
| Return on assets (ROA) | 0.7298% | 3,853 |
| Pretax return on assets | 1.1512% | 2,983 |
| Return on Equity (ROE) | 8.1566% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.1566% | 1,070 |
| Net charge-offs to loans | 0.2725% | 3,297 |
| Credit loss provision to net charge-offs | 114.8225% | 2,527 |
| Earnings coverage of net charge-offs (x) | 6.3507% | 2,823 |
| Efficiency ratio | 68.2065% | 4,108 |
| Assets per employee ($millions) | 5.4706% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,939 |
| Loan loss allowance to noncurrent loans | 117.6582% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 4,584 |
| Noncurrent loans to loans | 0.8549% | 4,471 |
| Net loans and leases to total assets | 80.5890% | 412 |
| Net loans and leases to deposits | 115.9808% | 96 |
| Net loans and leases to core deposits | 125.7419% | 226 |
| Total domestic deposits to total assets | 69.4848% | 6,805 |
| Equity capital to assets | 9.1135% | 5,388 |
| Core capital (leverage) ratio | 8.8769% | 5,067 |
| Tier 1 risk-based capital ratio | 11.2709% | 6,232 |
| Total risk-based capital ratio | 16.3722% | 3,602 |
| Memoranda: | ||
| Average total assets | $441,461,800 | 1,491 |
| Average earning assets | $410,158,600 | 1,472 |
| Average equity | $39,501,800 | 1,760 |
| Average total loans | $351,582,400 | 1,192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 3,279 |
| Cost of funding earning assets | 1.1642% | 817 |
| Net interest margin | 3.4179% | 4,971 |
| Noninterest income to average assets | 1.1203% | 1,198 |
| Noninterest expense to average assets | 2.9303% | 3,478 |
| Loan and lease loss provision to assets | 0.2586% | 2,505 |
| Net operating income to assets | 0.7009% | 3,914 |
| Return on assets (ROA) | 0.7200% | 4,074 |
| Pretax return on assets | 1.1361% | 3,203 |
| Return on Equity (ROE) | 8.0855% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.0855% | 1,584 |
| Net charge-offs to loans | 0.2005% | 3,528 |
| Credit loss provision to net charge-offs | 162.8352% | 1,708 |
| Earnings coverage of net charge-offs (x) | 8.5958% | 2,425 |
| Efficiency ratio | 68.2224% | 4,014 |
| Assets per employee ($millions) | 5.3242% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,769 |
| Loan loss allowance to noncurrent loans | 105.9718% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 4,495 |
| Noncurrent loans to loans | 1.0269% | 4,398 |
| Net loans and leases to total assets | 79.3402% | 564 |
| Net loans and leases to deposits | 113.3590% | 117 |
| Net loans and leases to core deposits | 122.8947% | 264 |
| Total domestic deposits to total assets | 69.9902% | 6,841 |
| Equity capital to assets | 9.0957% | 5,717 |
| Core capital (leverage) ratio | 8.9034% | 5,194 |
| Tier 1 risk-based capital ratio | 12.8827% | 5,339 |
| Total risk-based capital ratio | 18.7585% | 2,504 |
| Memoranda: | ||
| Average total assets | $438,311,750 | 1,518 |
| Average earning assets | $407,145,000 | 1,502 |
| Average equity | $39,032,000 | 1,795 |
| Average total loans | $347,067,500 | 1,220 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 3,045 |
| Cost of funding earning assets | 1.1889% | 858 |
| Net interest margin | 3.4815% | 4,754 |
| Noninterest income to average assets | 1.1586% | 1,058 |
| Noninterest expense to average assets | 2.9807% | 3,331 |
| Loan and lease loss provision to assets | 0.3216% | 2,052 |
| Net operating income to assets | 0.6850% | 3,948 |
| Return on assets (ROA) | 0.7047% | 4,106 |
| Pretax return on assets | 1.1173% | 3,242 |
| Return on Equity (ROE) | 7.9724% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.9724% | 1,648 |
| Net charge-offs to loans | 0.3159% | 2,767 |
| Credit loss provision to net charge-offs | 129.1513% | 2,125 |
| Earnings coverage of net charge-offs (x) | 5.6550% | 2,789 |
| Efficiency ratio | 67.9158% | 4,136 |
| Assets per employee ($millions) | 5.3524% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,850 |
| Loan loss allowance to noncurrent loans | 93.1637% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 4,538 |
| Noncurrent loans to loans | 1.1636% | 4,213 |
| Net loans and leases to total assets | 76.6928% | 879 |
| Net loans and leases to deposits | 108.7290% | 169 |
| Net loans and leases to core deposits | 117.8222% | 348 |
| Total domestic deposits to total assets | 70.5357% | 6,881 |
| Equity capital to assets | 8.8756% | 5,835 |
| Core capital (leverage) ratio | 8.7837% | 5,242 |
| Tier 1 risk-based capital ratio | 12.9066% | 5,249 |
| Total risk-based capital ratio | 18.8689% | 2,401 |
| Memoranda: | ||
| Average total assets | $435,338,670 | 1,526 |
| Average earning assets | $403,902,670 | 1,511 |
| Average equity | $38,483,000 | 1,812 |
| Average total loans | $343,177,330 | 1,234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 3,124 |
| Cost of funding earning assets | 1.2155% | 917 |
| Net interest margin | 3.4663% | 4,840 |
| Noninterest income to average assets | 1.1929% | 1,006 |
| Noninterest expense to average assets | 3.1897% | 2,638 |
| Loan and lease loss provision to assets | 0.3249% | 1,928 |
| Net operating income to assets | 0.5795% | 4,444 |
| Return on assets (ROA) | 0.6006% | 4,557 |
| Pretax return on assets | 0.9274% | 3,937 |
| Return on Equity (ROE) | 6.8088% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.8088% | 2,528 |
| Net charge-offs to loans | -0.0152% | 6,088 |
| Credit loss provision to net charge-offs | -2,692.3077% | 6,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3368% | 3,372 |
| Assets per employee ($millions) | 5.3756% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,729 |
| Loan loss allowance to noncurrent loans | 82.7869% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 4,307 |
| Noncurrent loans to loans | 1.3824% | 4,044 |
| Net loans and leases to total assets | 78.1396% | 576 |
| Net loans and leases to deposits | 111.3605% | 120 |
| Net loans and leases to core deposits | 119.0941% | 324 |
| Total domestic deposits to total assets | 70.1681% | 6,970 |
| Equity capital to assets | 8.8295% | 5,713 |
| Core capital (leverage) ratio | 8.7317% | 5,246 |
| Tier 1 risk-based capital ratio | 12.7091% | 5,433 |
| Total risk-based capital ratio | 18.7249% | 2,455 |
| Memoranda: | ||
| Average total assets | $430,881,500 | 1,544 |
| Average earning assets | $399,846,500 | 1,521 |
| Average equity | $38,009,500 | 1,832 |
| Average total loans | $342,544,000 | 1,228 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 3,534 |
| Cost of funding earning assets | 1.3229% | 1,378 |
| Net interest margin | 3.5394% | 4,985 |
| Noninterest income to average assets | 0.9067% | 1,653 |
| Noninterest expense to average assets | 3.1351% | 3,086 |
| Loan and lease loss provision to assets | 0.0896% | 5,464 |
| Net operating income to assets | 0.6128% | 3,932 |
| Return on assets (ROA) | 0.6499% | 3,934 |
| Pretax return on assets | 1.0088% | 3,210 |
| Return on Equity (ROE) | 7.5677% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.5677% | 1,242 |
| Net charge-offs to loans | 0.1266% | 5,130 |
| Credit loss provision to net charge-offs | 86.3109% | 4,190 |
| Earnings coverage of net charge-offs (x) | 10.0209% | 1,895 |
| Efficiency ratio | 75.0837% | 3,047 |
| Assets per employee ($millions) | 5.0754% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,004 |
| Loan loss allowance to noncurrent loans | 95.7173% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 4,659 |
| Noncurrent loans to loans | 1.0959% | 4,522 |
| Net loans and leases to total assets | 79.1235% | 591 |
| Net loans and leases to deposits | 113.5198% | 126 |
| Net loans and leases to core deposits | 121.2304% | 335 |
| Total domestic deposits to total assets | 69.7002% | 7,001 |
| Equity capital to assets | 8.8130% | 5,780 |
| Core capital (leverage) ratio | 8.6233% | 5,353 |
| Tier 1 risk-based capital ratio | 12.5688% | 5,391 |
| Total risk-based capital ratio | 18.5690% | 2,430 |
| Memoranda: | ||
| Average total assets | $415,133,800 | 1,568 |
| Average earning assets | $383,402,600 | 1,548 |
| Average equity | $35,651,400 | 1,901 |
| Average total loans | $340,309,200 | 1,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 3,635 |
| Cost of funding earning assets | 1.3308% | 1,547 |
| Net interest margin | 3.5508% | 4,979 |
| Noninterest income to average assets | 0.8634% | 1,784 |
| Noninterest expense to average assets | 3.1915% | 2,850 |
| Loan and lease loss provision to assets | 0.0589% | 5,706 |
| Net operating income to assets | 0.5712% | 4,211 |
| Return on assets (ROA) | 0.6147% | 4,203 |
| Pretax return on assets | 0.9578% | 3,566 |
| Return on Equity (ROE) | 7.2065% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.2065% | 1,864 |
| Net charge-offs to loans | 0.1450% | 4,615 |
| Credit loss provision to net charge-offs | 49.1892% | 5,049 |
| Earnings coverage of net charge-offs (x) | 7.9297% | 2,276 |
| Efficiency ratio | 77.0853% | 2,666 |
| Assets per employee ($millions) | 4.8988% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,266 |
| Loan loss allowance to noncurrent loans | 124.3058% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 5,121 |
| Noncurrent loans to loans | 0.8055% | 5,260 |
| Net loans and leases to total assets | 80.8917% | 434 |
| Net loans and leases to deposits | 117.3943% | 99 |
| Net loans and leases to core deposits | 125.6673% | 294 |
| Total domestic deposits to total assets | 68.9060% | 7,098 |
| Equity capital to assets | 8.6417% | 6,153 |
| Core capital (leverage) ratio | 8.7552% | 5,328 |
| Tier 1 risk-based capital ratio | 12.2683% | 5,687 |
| Total risk-based capital ratio | 18.2217% | 2,618 |
| Memoranda: | ||
| Average total assets | $412,333,250 | 1,587 |
| Average earning assets | $380,523,750 | 1,567 |
| Average equity | $35,171,000 | 1,920 |
| Average total loans | $340,159,500 | 1,259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 3,607 |
| Cost of funding earning assets | 1.3567% | 1,613 |
| Net interest margin | 3.5463% | 4,937 |
| Noninterest income to average assets | 0.8174% | 1,938 |
| Noninterest expense to average assets | 3.2349% | 2,791 |
| Loan and lease loss provision to assets | 0.0498% | 5,691 |
| Net operating income to assets | 0.5179% | 4,424 |
| Return on assets (ROA) | 0.5457% | 4,460 |
| Pretax return on assets | 0.8482% | 3,839 |
| Return on Equity (ROE) | 6.4271% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.4271% | 2,178 |
| Net charge-offs to loans | 0.2137% | 3,856 |
| Credit loss provision to net charge-offs | 28.1768% | 5,018 |
| Earnings coverage of net charge-offs (x) | 4.8315% | 2,763 |
| Efficiency ratio | 79.1039% | 2,538 |
| Assets per employee ($millions) | 4.6342% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,326 |
| Loan loss allowance to noncurrent loans | 107.3815% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 5,260 |
| Noncurrent loans to loans | 0.9326% | 5,105 |
| Net loans and leases to total assets | 79.9950% | 530 |
| Net loans and leases to deposits | 110.9268% | 163 |
| Net loans and leases to core deposits | 117.6202% | 483 |
| Total domestic deposits to total assets | 72.1151% | 6,996 |
| Equity capital to assets | 8.5591% | 6,116 |
| Core capital (leverage) ratio | 8.3923% | 5,722 |
| Tier 1 risk-based capital ratio | 12.4398% | 5,404 |
| Total risk-based capital ratio | 13.6566% | 5,413 |
| Memoranda: | ||
| Average total assets | $409,346,670 | 1,607 |
| Average earning assets | $377,694,000 | 1,589 |
| Average equity | $34,759,000 | 1,918 |
| Average total loans | $338,800,000 | 1,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 3,261 |
| Cost of funding earning assets | 1.3857% | 1,687 |
| Net interest margin | 3.5806% | 4,659 |
| Noninterest income to average assets | 0.7270% | 2,408 |
| Noninterest expense to average assets | 3.3264% | 2,475 |
| Loan and lease loss provision to assets | 0.1233% | 4,461 |
| Net operating income to assets | 0.3655% | 5,100 |
| Return on assets (ROA) | 0.4173% | 4,964 |
| Pretax return on assets | 0.6669% | 4,433 |
| Return on Equity (ROE) | 4.9345% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.9345% | 3,236 |
| Net charge-offs to loans | 0.0754% | 4,185 |
| Credit loss provision to net charge-offs | 195.3125% | 1,518 |
| Earnings coverage of net charge-offs (x) | 11.2344% | 1,566 |
| Efficiency ratio | 82.4248% | 2,161 |
| Assets per employee ($millions) | 4.5388% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 6,034 |
| Loan loss allowance to noncurrent loans | 91.9632% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 4,819 |
| Noncurrent loans to loans | 1.1988% | 4,683 |
| Net loans and leases to total assets | 82.0753% | 341 |
| Net loans and leases to deposits | 115.8171% | 119 |
| Net loans and leases to core deposits | 123.0036% | 366 |
| Total domestic deposits to total assets | 70.8663% | 7,141 |
| Equity capital to assets | 8.5763% | 5,804 |
| Core capital (leverage) ratio | 8.5942% | 5,274 |
| Tier 1 risk-based capital ratio | 12.3916% | 5,359 |
| Total risk-based capital ratio | 13.6459% | 5,343 |
| Memoranda: | ||
| Average total assets | $405,482,500 | 1,628 |
| Average earning assets | $374,683,500 | 1,618 |
| Average equity | $34,289,500 | 1,932 |
| Average total loans | $339,693,000 | 1,288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 3,992 |
| Cost of funding earning assets | 1.6783% | 1,693 |
| Net interest margin | 3.4442% | 5,459 |
| Noninterest income to average assets | 1.2160% | 1,016 |
| Noninterest expense to average assets | 3.5317% | 2,094 |
| Loan and lease loss provision to assets | 0.1596% | 5,613 |
| Net operating income to assets | 0.4502% | 4,318 |
| Return on assets (ROA) | 0.4644% | 4,419 |
| Pretax return on assets | 0.7339% | 3,856 |
| Return on Equity (ROE) | 5.7808% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.7808% | 1,948 |
| Net charge-offs to loans | 0.0462% | 6,341 |
| Credit loss provision to net charge-offs | 421.7949% | 560 |
| Earnings coverage of net charge-offs (x) | 23.0256% | 918 |
| Efficiency ratio | 80.2137% | 2,386 |
| Assets per employee ($millions) | 4.3765% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 6,124 |
| Loan loss allowance to noncurrent loans | 109.9516% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 5,375 |
| Noncurrent loans to loans | 0.9606% | 5,130 |
| Net loans and leases to total assets | 83.6607% | 332 |
| Net loans and leases to deposits | 122.1819% | 105 |
| Net loans and leases to core deposits | 129.7665% | 333 |
| Total domestic deposits to total assets | 68.4723% | 7,307 |
| Equity capital to assets | 8.3376% | 6,100 |
| Core capital (leverage) ratio | 8.3773% | 5,582 |
| Tier 1 risk-based capital ratio | 12.0473% | 5,429 |
| Total risk-based capital ratio | 13.2997% | 5,409 |
| Memoranda: | ||
| Average total assets | $412,323,200 | 1,603 |
| Average earning assets | $381,516,400 | 1,579 |
| Average equity | $33,126,800 | 1,996 |
| Average total loans | $337,329,000 | 1,324 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 4,032 |
| Cost of funding earning assets | 1.7302% | 1,721 |
| Net interest margin | 3.4301% | 5,570 |
| Noninterest income to average assets | 1.1172% | 1,122 |
| Noninterest expense to average assets | 3.5578% | 1,885 |
| Loan and lease loss provision to assets | 0.1396% | 5,635 |
| Net operating income to assets | 0.3803% | 4,836 |
| Return on assets (ROA) | 0.3855% | 5,000 |
| Pretax return on assets | 0.6024% | 4,588 |
| Return on Equity (ROE) | 4.8433% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.8433% | 3,087 |
| Net charge-offs to loans | 0.0485% | 6,036 |
| Credit loss provision to net charge-offs | 354.9180% | 881 |
| Earnings coverage of net charge-offs (x) | 18.6642% | 1,243 |
| Efficiency ratio | 82.8990% | 1,961 |
| Assets per employee ($millions) | 4.4816% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 6,311 |
| Loan loss allowance to noncurrent loans | 63.4488% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 4,495 |
| Noncurrent loans to loans | 1.6064% | 4,232 |
| Net loans and leases to total assets | 82.0064% | 491 |
| Net loans and leases to deposits | 120.7282% | 108 |
| Net loans and leases to core deposits | 128.2288% | 409 |
| Total domestic deposits to total assets | 67.9264% | 7,385 |
| Equity capital to assets | 8.2645% | 6,546 |
| Core capital (leverage) ratio | 8.0940% | 6,207 |
| Tier 1 risk-based capital ratio | 11.9147% | 5,537 |
| Total risk-based capital ratio | 13.1534% | 5,525 |
| Memoranda: | ||
| Average total assets | $413,650,750 | 1,628 |
| Average earning assets | $382,833,000 | 1,596 |
| Average equity | $32,924,750 | 2,023 |
| Average total loans | $335,625,000 | 1,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 4,222 |
| Cost of funding earning assets | 1.7593% | 1,819 |
| Net interest margin | 3.3846% | 5,699 |
| Noninterest income to average assets | 0.9408% | 1,539 |
| Noninterest expense to average assets | 3.5208% | 1,982 |
| Loan and lease loss provision to assets | 0.1482% | 5,416 |
| Net operating income to assets | 0.2696% | 5,298 |
| Return on assets (ROA) | 0.2474% | 5,530 |
| Pretax return on assets | 0.3720% | 5,301 |
| Return on Equity (ROE) | 3.1471% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.1471% | 4,109 |
| Net charge-offs to loans | 0.0687% | 5,456 |
| Credit loss provision to net charge-offs | 267.8261% | 1,410 |
| Earnings coverage of net charge-offs (x) | 10.0087% | 1,946 |
| Efficiency ratio | 86.4060% | 1,663 |
| Assets per employee ($millions) | 4.6074% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 6,434 |
| Loan loss allowance to noncurrent loans | 61.5356% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 4,360 |
| Noncurrent loans to loans | 1.6156% | 4,287 |
| Net loans and leases to total assets | 79.8786% | 819 |
| Net loans and leases to deposits | 118.5911% | 146 |
| Net loans and leases to core deposits | 125.7034% | 524 |
| Total domestic deposits to total assets | 67.3563% | 7,455 |
| Equity capital to assets | 7.9403% | 6,818 |
| Core capital (leverage) ratio | 7.7545% | 6,552 |
| Tier 1 risk-based capital ratio | 11.5935% | 5,678 |
| Total risk-based capital ratio | 12.7922% | 5,698 |
| Memoranda: | ||
| Average total assets | $415,591,670 | 1,633 |
| Average earning assets | $384,802,000 | 1,610 |
| Average equity | $32,664,670 | 2,028 |
| Average total loans | $334,870,330 | 1,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 4,390 |
| Cost of funding earning assets | 1.7942% | 1,903 |
| Net interest margin | 3.3364% | 5,837 |
| Noninterest income to average assets | 0.9383% | 1,489 |
| Noninterest expense to average assets | 3.3592% | 2,349 |
| Loan and lease loss provision to assets | 0.1202% | 5,386 |
| Net operating income to assets | 0.3552% | 5,054 |
| Return on assets (ROA) | 0.2961% | 5,446 |
| Pretax return on assets | 0.4596% | 5,087 |
| Return on Equity (ROE) | 3.7868% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.7868% | 3,871 |
| Net charge-offs to loans | 0.0752% | 4,663 |
| Credit loss provision to net charge-offs | 198.4127% | 1,869 |
| Earnings coverage of net charge-offs (x) | 11.0952% | 1,681 |
| Efficiency ratio | 83.3294% | 2,097 |
| Assets per employee ($millions) | 4.7168% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,688 |
| Loan loss allowance to noncurrent loans | 102.0441% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8566% | 5,444 |
| Noncurrent loans to loans | 0.9270% | 5,466 |
| Net loans and leases to total assets | 79.6961% | 877 |
| Net loans and leases to deposits | 118.5468% | 156 |
| Net loans and leases to core deposits | 126.0799% | 579 |
| Total domestic deposits to total assets | 67.2276% | 7,565 |
| Equity capital to assets | 7.8725% | 6,787 |
| Core capital (leverage) ratio | 7.8918% | 6,392 |
| Tier 1 risk-based capital ratio | 11.3619% | 5,802 |
| Total risk-based capital ratio | 12.4796% | 5,880 |
| Memoranda: | ||
| Average total assets | $416,053,500 | 1,676 |
| Average earning assets | $385,681,500 | 1,644 |
| Average equity | $32,534,000 | 2,064 |
| Average total loans | $335,027,000 | 1,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 5,350 |
| Cost of funding earning assets | 2.2095% | 1,985 |
| Net interest margin | 3.0545% | 6,509 |
| Noninterest income to average assets | 0.8427% | 2,217 |
| Noninterest expense to average assets | 3.4514% | 2,521 |
| Loan and lease loss provision to assets | 0.1502% | 6,162 |
| Net operating income to assets | 0.0543% | 5,322 |
| Return on assets (ROA) | 0.1540% | 5,106 |
| Pretax return on assets | 0.2191% | 4,962 |
| Return on Equity (ROE) | 2.0504% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.0504% | 3,668 |
| Net charge-offs to loans | 0.0285% | 6,846 |
| Credit loss provision to net charge-offs | 673.1183% | 434 |
| Earnings coverage of net charge-offs (x) | 10.1613% | 1,714 |
| Efficiency ratio | 93.8352% | 1,425 |
| Assets per employee ($millions) | 4.4335% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,664 |
| Loan loss allowance to noncurrent loans | 89.6680% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 5,412 |
| Noncurrent loans to loans | 1.0515% | 5,215 |
| Net loans and leases to total assets | 79.8341% | 1,025 |
| Net loans and leases to deposits | 117.2894% | 210 |
| Net loans and leases to core deposits | 140.4546% | 794 |
| Total domestic deposits to total assets | 68.0659% | 7,545 |
| Equity capital to assets | 7.7659% | 6,802 |
| Core capital (leverage) ratio | 7.7075% | 6,549 |
| Tier 1 risk-based capital ratio | 11.3812% | 5,535 |
| Total risk-based capital ratio | 12.5072% | 5,610 |
| Memoranda: | ||
| Average total assets | $416,761,600 | 1,655 |
| Average earning assets | $386,872,200 | 1,626 |
| Average equity | $31,311,400 | 2,141 |
| Average total loans | $326,677,200 | 1,474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 5,375 |
| Cost of funding earning assets | 2.2773% | 2,079 |
| Net interest margin | 3.0319% | 6,514 |
| Noninterest income to average assets | 0.8803% | 2,057 |
| Noninterest expense to average assets | 3.5091% | 2,260 |
| Loan and lease loss provision to assets | 0.1997% | 5,392 |
| Net operating income to assets | -0.0085% | 5,722 |
| Return on assets (ROA) | 0.0702% | 5,599 |
| Pretax return on assets | 0.0960% | 5,538 |
| Return on Equity (ROE) | 0.9421% | 5,512 |
| Retained earnings to average equity (ytd only) | 0.9421% | 4,783 |
| Net charge-offs to loans | 0.0578% | 6,124 |
| Credit loss provision to net charge-offs | 443.9716% | 892 |
| Earnings coverage of net charge-offs (x) | 4.1772% | 3,232 |
| Efficiency ratio | 94.9167% | 1,336 |
| Assets per employee ($millions) | 4.3383% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 6,531 |
| Loan loss allowance to noncurrent loans | 82.9747% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 5,068 |
| Noncurrent loans to loans | 1.1473% | 5,028 |
| Net loans and leases to total assets | 77.8805% | 1,597 |
| Net loans and leases to deposits | 114.6639% | 302 |
| Net loans and leases to core deposits | 139.6348% | 932 |
| Total domestic deposits to total assets | 67.9207% | 7,584 |
| Equity capital to assets | 7.7436% | 7,107 |
| Core capital (leverage) ratio | 7.5952% | 6,866 |
| Tier 1 risk-based capital ratio | 11.6737% | 5,267 |
| Total risk-based capital ratio | 12.8284% | 5,301 |
| Memoranda: | ||
| Average total assets | $417,873,250 | 1,669 |
| Average earning assets | $388,221,250 | 1,643 |
| Average equity | $31,134,250 | 2,178 |
| Average total loans | $325,271,250 | 1,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 5,463 |
| Cost of funding earning assets | 2.5252% | 1,527 |
| Net interest margin | 2.8115% | 6,990 |
| Noninterest income to average assets | 0.9305% | 1,841 |
| Noninterest expense to average assets | 3.3603% | 2,753 |
| Loan and lease loss provision to assets | 0.2620% | 4,477 |
| Net operating income to assets | -0.0555% | 5,931 |
| Return on assets (ROA) | 0.1753% | 5,439 |
| Pretax return on assets | 0.2630% | 5,291 |
| Return on Equity (ROE) | 2.3839% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.3839% | 4,005 |
| Net charge-offs to loans | 0.0037% | 6,565 |
| Credit loss provision to net charge-offs | 9,166.6667% | 51 |
| Earnings coverage of net charge-offs (x) | 63.1667% | 569 |
| Efficiency ratio | 94.9004% | 1,450 |
| Assets per employee ($millions) | 4.1075% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,356 |
| Loan loss allowance to noncurrent loans | 92.0914% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 5,342 |
| Noncurrent loans to loans | 1.0681% | 5,076 |
| Net loans and leases to total assets | 76.2878% | 2,113 |
| Net loans and leases to deposits | 111.9400% | 479 |
| Net loans and leases to core deposits | 136.3002% | 1,194 |
| Total domestic deposits to total assets | 68.1506% | 7,614 |
| Equity capital to assets | 7.5456% | 7,223 |
| Core capital (leverage) ratio | 7.6921% | 6,769 |
| Tier 1 risk-based capital ratio | 11.4379% | 5,459 |
| Total risk-based capital ratio | 12.5910% | 5,460 |
| Memoranda: | ||
| Average total assets | $419,786,000 | 1,686 |
| Average earning assets | $389,750,670 | 1,666 |
| Average equity | $30,874,330 | 2,197 |
| Average total loans | $325,675,670 | 1,529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 4,683 |
| Cost of funding earning assets | 2.4401% | 2,142 |
| Net interest margin | 3.1014% | 6,196 |
| Noninterest income to average assets | 0.8943% | 1,877 |
| Noninterest expense to average assets | 3.1460% | 3,203 |
| Loan and lease loss provision to assets | 0.5210% | 2,384 |
| Net operating income to assets | 0.0712% | 6,062 |
| Return on assets (ROA) | 0.3695% | 5,160 |
| Pretax return on assets | 0.5580% | 4,889 |
| Return on Equity (ROE) | 5.0881% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.0881% | 3,070 |
| Net charge-offs to loans | -0.0073% | 7,235 |
| Credit loss provision to net charge-offs | -9,166.6667% | 6,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3794% | 2,374 |
| Assets per employee ($millions) | 4.5048% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,314 |
| Loan loss allowance to noncurrent loans | 107.5298% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 5,021 |
| Noncurrent loans to loans | 0.9105% | 5,184 |
| Net loans and leases to total assets | 77.0147% | 2,038 |
| Net loans and leases to deposits | 119.3578% | 303 |
| Net loans and leases to core deposits | 151.2838% | 666 |
| Total domestic deposits to total assets | 64.5243% | 7,818 |
| Equity capital to assets | 7.5159% | 7,344 |
| Core capital (leverage) ratio | 7.2118% | 7,468 |
| Tier 1 risk-based capital ratio | 11.0493% | 5,864 |
| Total risk-based capital ratio | 12.2001% | 5,857 |
| Memoranda: | ||
| Average total assets | $422,248,000 | 1,689 |
| Average earning assets | $391,953,000 | 1,671 |
| Average equity | $30,659,500 | 2,213 |
| Average total loans | $328,697,000 | 1,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9646% | 5,729 |
| Cost of funding earning assets | 2.7497% | 2,929 |
| Net interest margin | 3.2149% | 6,327 |
| Noninterest income to average assets | 0.6213% | 3,701 |
| Noninterest expense to average assets | 2.7897% | 4,865 |
| Loan and lease loss provision to assets | 0.1694% | 5,209 |
| Net operating income to assets | 0.4409% | 4,988 |
| Return on assets (ROA) | -0.2499% | 6,525 |
| Pretax return on assets | -0.4121% | 6,557 |
| Return on Equity (ROE) | -3.3539% | 6,669 |
| Retained earnings to average equity (ytd only) | -3.3539% | 6,195 |
| Net charge-offs to loans | 0.0751% | 5,687 |
| Credit loss provision to net charge-offs | 301.6878% | 1,492 |
| Earnings coverage of net charge-offs (x) | 14.9030% | 1,988 |
| Efficiency ratio | 76.9301% | 3,091 |
| Assets per employee ($millions) | 4.7258% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 7,186 |
| Loan loss allowance to noncurrent loans | 501.9305% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 6,555 |
| Noncurrent loans to loans | 0.1546% | 6,947 |
| Net loans and leases to total assets | 77.3058% | 2,308 |
| Net loans and leases to deposits | 131.8026% | 189 |
| Net loans and leases to core deposits | 170.3753% | 390 |
| Total domestic deposits to total assets | 58.6527% | 8,001 |
| Equity capital to assets | 7.0154% | 7,729 |
| Core capital (leverage) ratio | 7.2055% | 7,521 |
| Tier 1 risk-based capital ratio | 10.9537% | 5,765 |
| Total risk-based capital ratio | 11.8952% | 5,955 |
| Memoranda: | ||
| Average total assets | $422,201,000 | 1,611 |
| Average earning assets | $394,628,600 | 1,578 |
| Average equity | $31,456,200 | 2,148 |
| Average total loans | $315,405,200 | 1,536 |