Home > The Bank of Bennington > Performance and Condition Ratios
The Bank of Bennington, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 3,883 |
| Cost of funding earning assets | 1.8113% | 2,480 |
| Net interest margin | 2.5528% | 3,786 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 2.3377% | 2,688 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.4566% | 3,493 |
| Return on assets (ROA) | 0.4566% | 3,518 |
| Pretax return on assets | 0.5459% | 3,494 |
| Return on Equity (ROE) | 4.4800% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.4812% | 2,556 |
| Net charge-offs to loans | -0.0069% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 80.0888% | 1,203 |
| Assets per employee ($millions) | 9.8039% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 1,891 |
| Loan loss allowance to noncurrent loans | 286.2953% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 1,792 |
| Noncurrent loans to loans | 0.4442% | 1,813 |
| Net loans and leases to total assets | 71.3900% | 1,632 |
| Net loans and leases to deposits | 89.6254% | 1,229 |
| Net loans and leases to core deposits | 94.3481% | 1,762 |
| Total domestic deposits to total assets | 79.6500% | 3,575 |
| Equity capital to assets | 10.1578% | 1,910 |
| Core capital (leverage) ratio | 11.4563% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9443% | 614 |
| Memoranda: | ||
| Average total assets | $555,427,500 | 1,636 |
| Average earning assets | $522,723,000 | 1,620 |
| Average equity | $56,591,500 | 1,530 |
| Average total loans | $403,719,500 | 1,507 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 3,738 |
| Cost of funding earning assets | 1.3083% | 2,492 |
| Net interest margin | 2.8330% | 3,600 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.2952% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6946% | 3,209 |
| Return on assets (ROA) | 0.6946% | 3,180 |
| Pretax return on assets | 0.8751% | 3,027 |
| Return on Equity (ROE) | 7.1900% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.1946% | 1,831 |
| Net charge-offs to loans | -0.0055% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.4557% | 1,620 |
| Assets per employee ($millions) | 9.8577% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 1,741 |
| Loan loss allowance to noncurrent loans | 260.5446% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 1,509 |
| Noncurrent loans to loans | 0.5008% | 1,536 |
| Net loans and leases to total assets | 72.1200% | 1,568 |
| Net loans and leases to deposits | 90.2136% | 1,243 |
| Net loans and leases to core deposits | 95.4612% | 1,685 |
| Total domestic deposits to total assets | 79.9400% | 3,471 |
| Equity capital to assets | 10.2203% | 1,885 |
| Core capital (leverage) ratio | 11.4636% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7188% | 631 |
| Memoranda: | ||
| Average total assets | $553,669,600 | 1,602 |
| Average earning assets | $520,581,600 | 1,577 |
| Average equity | $53,457,000 | 1,521 |
| Average total loans | $398,272,600 | 1,478 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,721 |
| Cost of funding earning assets | 1.1763% | 2,505 |
| Net interest margin | 2.8879% | 3,575 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.3225% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6925% | 3,342 |
| Return on assets (ROA) | 0.6925% | 3,323 |
| Pretax return on assets | 0.8771% | 3,154 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.2785% | 2,204 |
| Net charge-offs to loans | -0.0087% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.6643% | 1,491 |
| Assets per employee ($millions) | 9.7974% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,024 |
| Loan loss allowance to noncurrent loans | 342.1719% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,928 |
| Noncurrent loans to loans | 0.3702% | 1,907 |
| Net loans and leases to total assets | 71.6800% | 1,617 |
| Net loans and leases to deposits | 89.4606% | 1,272 |
| Net loans and leases to core deposits | 94.0094% | 1,675 |
| Total domestic deposits to total assets | 80.1200% | 3,510 |
| Equity capital to assets | 9.5704% | 2,059 |
| Core capital (leverage) ratio | 11.2525% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0574% | 697 |
| Memoranda: | ||
| Average total assets | $554,112,250 | 1,597 |
| Average earning assets | $521,064,500 | 1,573 |
| Average equity | $52,720,000 | 1,530 |
| Average total loans | $396,995,500 | 1,471 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,700 |
| Cost of funding earning assets | 1.0256% | 2,518 |
| Net interest margin | 2.9688% | 3,514 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.3873% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6800% | 3,385 |
| Return on assets (ROA) | 0.6800% | 3,387 |
| Pretax return on assets | 0.8696% | 3,237 |
| Return on Equity (ROE) | 7.1600% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.1611% | 2,235 |
| Net charge-offs to loans | -0.0101% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.3000% | 1,429 |
| Assets per employee ($millions) | 9.3534% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 1,955 |
| Loan loss allowance to noncurrent loans | 439.8799% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,135 |
| Noncurrent loans to loans | 0.2939% | 2,085 |
| Net loans and leases to total assets | 70.9600% | 1,638 |
| Net loans and leases to deposits | 89.2994% | 1,238 |
| Net loans and leases to core deposits | 92.8805% | 1,630 |
| Total domestic deposits to total assets | 79.4600% | 3,655 |
| Equity capital to assets | 9.6345% | 2,075 |
| Core capital (leverage) ratio | 11.1737% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5000% | 593 |
| Memoranda: | ||
| Average total assets | $552,666,667 | 1,600 |
| Average earning assets | $520,069,333 | 1,573 |
| Average equity | $52,478,000 | 1,537 |
| Average total loans | $394,189,000 | 1,469 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,693 |
| Cost of funding earning assets | 0.8568% | 2,517 |
| Net interest margin | 3.0344% | 3,515 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.2615% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8216% | 3,129 |
| Return on assets (ROA) | 0.8216% | 3,079 |
| Pretax return on assets | 1.0060% | 2,974 |
| Return on Equity (ROE) | 8.7200% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.7162% | 2,023 |
| Net charge-offs to loans | -0.0163% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2120% | 1,831 |
| Assets per employee ($millions) | 9.8993% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,016 |
| Loan loss allowance to noncurrent loans | 390.3275% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 1,931 |
| Noncurrent loans to loans | 0.3340% | 1,958 |
| Net loans and leases to total assets | 69.9900% | 1,628 |
| Net loans and leases to deposits | 85.3993% | 1,395 |
| Net loans and leases to core deposits | 88.3056% | 1,722 |
| Total domestic deposits to total assets | 81.9600% | 3,490 |
| Equity capital to assets | 9.5829% | 2,073 |
| Core capital (leverage) ratio | 11.0398% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4867% | 614 |
| Memoranda: | ||
| Average total assets | $553,075,500 | 1,616 |
| Average earning assets | $520,570,500 | 1,595 |
| Average equity | $52,133,000 | 1,562 |
| Average total loans | $392,919,000 | 1,490 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 3,635 |
| Cost of funding earning assets | 0.3606% | 2,395 |
| Net interest margin | 2.9207% | 3,634 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3000% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7261% | 3,550 |
| Return on assets (ROA) | 0.7261% | 3,491 |
| Pretax return on assets | 0.8885% | 3,397 |
| Return on Equity (ROE) | 7.7200% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.7241% | 1,949 |
| Net charge-offs to loans | 0.0517% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 25.0773% | 1,779 |
| Efficiency ratio | 72.1347% | 1,431 |
| Assets per employee ($millions) | 10.2183% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 1,890 |
| Loan loss allowance to noncurrent loans | 346.1382% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 1,818 |
| Noncurrent loans to loans | 0.3758% | 1,798 |
| Net loans and leases to total assets | 70.2500% | 1,616 |
| Net loans and leases to deposits | 83.5997% | 1,495 |
| Net loans and leases to core deposits | 86.0096% | 1,748 |
| Total domestic deposits to total assets | 84.0300% | 3,201 |
| Equity capital to assets | 9.2684% | 2,182 |
| Core capital (leverage) ratio | 11.0387% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9588% | 632 |
| Memoranda: | ||
| Average total assets | $547,574,200 | 1,613 |
| Average earning assets | $514,666,400 | 1,593 |
| Average equity | $51,475,400 | 1,577 |
| Average total loans | $374,979,600 | 1,478 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1822% | 3,477 |
| Cost of funding earning assets | 0.3118% | 2,040 |
| Net interest margin | 2.8704% | 3,566 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3479% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6492% | 3,698 |
| Return on assets (ROA) | 0.6492% | 3,654 |
| Pretax return on assets | 0.7929% | 3,600 |
| Return on Equity (ROE) | 6.8800% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.8813% | 2,413 |
| Net charge-offs to loans | 0.0741% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 15.7767% | 1,835 |
| Efficiency ratio | 74.7553% | 1,203 |
| Assets per employee ($millions) | 9.5032% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 1,817 |
| Loan loss allowance to noncurrent loans | 256.2594% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 1,466 |
| Noncurrent loans to loans | 0.5258% | 1,485 |
| Net loans and leases to total assets | 68.9000% | 1,576 |
| Net loans and leases to deposits | 78.8453% | 1,650 |
| Net loans and leases to core deposits | 80.8302% | 1,842 |
| Total domestic deposits to total assets | 87.3800% | 2,629 |
| Equity capital to assets | 9.0931% | 2,141 |
| Core capital (leverage) ratio | 10.6876% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2709% | 621 |
| Memoranda: | ||
| Average total assets | $546,520,500 | 1,629 |
| Average earning assets | $513,599,000 | 1,610 |
| Average equity | $51,558,750 | 1,603 |
| Average total loans | $370,546,000 | 1,478 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0347% | 3,465 |
| Cost of funding earning assets | 0.3122% | 1,603 |
| Net interest margin | 2.7225% | 3,660 |
| Noninterest income to average assets | 0.4481% | 2,464 |
| Noninterest expense to average assets | 2.3903% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5028% | 3,885 |
| Return on assets (ROA) | 0.5028% | 3,839 |
| Pretax return on assets | 0.6163% | 3,782 |
| Return on Equity (ROE) | 5.2669% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.2669% | 2,602 |
| Net charge-offs to loans | 0.1158% | 529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.9296% | 1,841 |
| Efficiency ratio | 79.5024% | 983 |
| Assets per employee ($millions) | 9.7045% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,877 |
| Loan loss allowance to noncurrent loans | 187.3068% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 1,143 |
| Noncurrent loans to loans | 0.7326% | 1,176 |
| Net loans and leases to total assets | 67.3310% | 1,543 |
| Net loans and leases to deposits | 78.1610% | 1,527 |
| Net loans and leases to core deposits | 80.3138% | 1,695 |
| Total domestic deposits to total assets | 86.1440% | 3,211 |
| Equity capital to assets | 9.3839% | 2,108 |
| Core capital (leverage) ratio | 10.4064% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2364% | 606 |
| Memoranda: | ||
| Average total assets | $548,132,333 | 1,633 |
| Average earning assets | $515,116,000 | 1,623 |
| Average equity | $52,326,333 | 1,622 |
| Average total loans | $367,962,000 | 1,482 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9916% | 3,279 |
| Cost of funding earning assets | 0.3428% | 1,265 |
| Net interest margin | 2.6488% | 3,526 |
| Noninterest income to average assets | 0.4135% | 2,599 |
| Noninterest expense to average assets | 2.1334% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6315% | 3,295 |
| Return on assets (ROA) | 0.6315% | 3,274 |
| Pretax return on assets | 0.7732% | 3,193 |
| Return on Equity (ROE) | 6.5596% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.5596% | 2,052 |
| Net charge-offs to loans | -0.0044% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4000% | 1,808 |
| Assets per employee ($millions) | 10.1470% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,748 |
| Loan loss allowance to noncurrent loans | 192.9818% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 1,219 |
| Noncurrent loans to loans | 0.7478% | 1,270 |
| Net loans and leases to total assets | 64.9391% | 1,508 |
| Net loans and leases to deposits | 76.8661% | 1,377 |
| Net loans and leases to core deposits | 79.0779% | 1,546 |
| Total domestic deposits to total assets | 84.4835% | 3,659 |
| Equity capital to assets | 9.2701% | 2,472 |
| Core capital (leverage) ratio | 10.2346% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5752% | 595 |
| Memoranda: | ||
| Average total assets | $550,471,500 | 1,633 |
| Average earning assets | $518,123,500 | 1,624 |
| Average equity | $52,991,000 | 1,650 |
| Average total loans | $366,441,000 | 1,472 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2338% | 3,392 |
| Cost of funding earning assets | 0.4254% | 1,356 |
| Net interest margin | 2.8085% | 3,643 |
| Noninterest income to average assets | 0.5365% | 2,410 |
| Noninterest expense to average assets | 2.0609% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9155% | 2,985 |
| Return on assets (ROA) | 0.9377% | 2,976 |
| Pretax return on assets | 1.1546% | 2,805 |
| Return on Equity (ROE) | 9.3920% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.3920% | 1,074 |
| Net charge-offs to loans | -0.1167% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6444% | 2,454 |
| Assets per employee ($millions) | 9.3596% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,724 |
| Loan loss allowance to noncurrent loans | 230.7659% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 1,550 |
| Noncurrent loans to loans | 0.6293% | 1,577 |
| Net loans and leases to total assets | 66.2892% | 1,439 |
| Net loans and leases to deposits | 79.3463% | 1,267 |
| Net loans and leases to core deposits | 81.7877% | 1,477 |
| Total domestic deposits to total assets | 83.5442% | 3,678 |
| Equity capital to assets | 9.9928% | 2,661 |
| Core capital (leverage) ratio | 10.0175% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7033% | 581 |
| Memoranda: | ||
| Average total assets | $527,880,000 | 1,628 |
| Average earning assets | $498,388,400 | 1,610 |
| Average equity | $52,704,400 | 1,685 |
| Average total loans | $366,816,400 | 1,473 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 3,593 |
| Cost of funding earning assets | 0.4412% | 1,412 |
| Net interest margin | 2.7656% | 3,853 |
| Noninterest income to average assets | 0.5166% | 2,550 |
| Noninterest expense to average assets | 2.0429% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8851% | 3,290 |
| Return on assets (ROA) | 0.9150% | 3,269 |
| Pretax return on assets | 1.1239% | 3,146 |
| Return on Equity (ROE) | 9.1667% | 3,058 |
| Retained earnings to average equity (ytd only) | 9.1667% | 1,631 |
| Net charge-offs to loans | -0.0044% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2715% | 2,203 |
| Assets per employee ($millions) | 9.7920% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,340 |
| Loan loss allowance to noncurrent loans | 258.4347% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 2,061 |
| Noncurrent loans to loans | 0.5144% | 2,017 |
| Net loans and leases to total assets | 66.1492% | 1,529 |
| Net loans and leases to deposits | 79.7281% | 1,316 |
| Net loans and leases to core deposits | 82.1007% | 1,563 |
| Total domestic deposits to total assets | 82.9686% | 3,717 |
| Equity capital to assets | 9.7461% | 3,155 |
| Core capital (leverage) ratio | 9.9918% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5871% | 636 |
| Memoranda: | ||
| Average total assets | $524,135,250 | 1,648 |
| Average earning assets | $495,254,250 | 1,631 |
| Average equity | $52,318,750 | 1,716 |
| Average total loans | $367,230,500 | 1,495 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 3,767 |
| Cost of funding earning assets | 0.4574% | 1,470 |
| Net interest margin | 2.6927% | 3,994 |
| Noninterest income to average assets | 0.5213% | 2,524 |
| Noninterest expense to average assets | 2.0641% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8117% | 3,473 |
| Return on assets (ROA) | 0.8573% | 3,425 |
| Pretax return on assets | 1.0572% | 3,314 |
| Return on Equity (ROE) | 8.5169% | 3,258 |
| Retained earnings to average equity (ytd only) | 8.5169% | 1,888 |
| Net charge-offs to loans | -0.0136% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3410% | 1,963 |
| Assets per employee ($millions) | 9.4580% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,407 |
| Loan loss allowance to noncurrent loans | 282.8044% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,286 |
| Noncurrent loans to loans | 0.4617% | 2,293 |
| Net loans and leases to total assets | 69.9377% | 1,203 |
| Net loans and leases to deposits | 85.7441% | 933 |
| Net loans and leases to core deposits | 88.0861% | 1,262 |
| Total domestic deposits to total assets | 81.5656% | 3,996 |
| Equity capital to assets | 9.8864% | 2,963 |
| Core capital (leverage) ratio | 9.8821% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,063,333 | 1,662 |
| Average earning assets | $487,548,667 | 1,645 |
| Average equity | $51,944,000 | 1,720 |
| Average total loans | $367,101,667 | 1,495 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2087% | 3,670 |
| Cost of funding earning assets | 0.4663% | 1,614 |
| Net interest margin | 2.7423% | 3,881 |
| Noninterest income to average assets | 0.5058% | 2,582 |
| Noninterest expense to average assets | 2.0955% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8137% | 3,378 |
| Return on assets (ROA) | 0.8137% | 3,451 |
| Pretax return on assets | 1.0014% | 3,364 |
| Return on Equity (ROE) | 8.0101% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.0101% | 2,228 |
| Net charge-offs to loans | -0.0242% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6642% | 1,981 |
| Assets per employee ($millions) | 9.6962% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,243 |
| Loan loss allowance to noncurrent loans | 279.7259% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 2,461 |
| Noncurrent loans to loans | 0.4797% | 2,411 |
| Net loans and leases to total assets | 68.7741% | 1,431 |
| Net loans and leases to deposits | 84.7276% | 1,073 |
| Net loans and leases to core deposits | 86.9842% | 1,455 |
| Total domestic deposits to total assets | 81.1708% | 4,041 |
| Equity capital to assets | 9.9487% | 2,750 |
| Core capital (leverage) ratio | 10.2168% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,271,500 | 1,663 |
| Average earning assets | $481,195,000 | 1,645 |
| Average equity | $51,734,500 | 1,716 |
| Average total loans | $362,990,500 | 1,515 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 3,650 |
| Cost of funding earning assets | 0.7266% | 1,578 |
| Net interest margin | 2.9460% | 4,019 |
| Noninterest income to average assets | 0.5811% | 2,299 |
| Noninterest expense to average assets | 2.2167% | 3,634 |
| Loan and lease loss provision to assets | 0.2969% | 1,268 |
| Net operating income to assets | 0.6728% | 3,512 |
| Return on assets (ROA) | 0.6728% | 3,642 |
| Pretax return on assets | 0.8261% | 3,562 |
| Return on Equity (ROE) | 6.3123% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.3123% | 1,660 |
| Net charge-offs to loans | 0.0510% | 2,064 |
| Credit loss provision to net charge-offs | 750.2732% | 954 |
| Earnings coverage of net charge-offs (x) | 28.3770% | 1,662 |
| Efficiency ratio | 66.3731% | 2,472 |
| Assets per employee ($millions) | 8.9990% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,189 |
| Loan loss allowance to noncurrent loans | 306.9899% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 2,715 |
| Noncurrent loans to loans | 0.4399% | 2,655 |
| Net loans and leases to total assets | 71.9491% | 1,288 |
| Net loans and leases to deposits | 89.9749% | 927 |
| Net loans and leases to core deposits | 92.7623% | 1,322 |
| Total domestic deposits to total assets | 79.9657% | 4,049 |
| Equity capital to assets | 10.3805% | 2,770 |
| Core capital (leverage) ratio | 10.1472% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,388,800 | 1,659 |
| Average earning assets | $432,991,200 | 1,653 |
| Average equity | $49,285,000 | 1,716 |
| Average total loans | $358,513,200 | 1,485 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 3,702 |
| Cost of funding earning assets | 0.7874% | 1,556 |
| Net interest margin | 2.9528% | 4,078 |
| Noninterest income to average assets | 0.5797% | 2,256 |
| Noninterest expense to average assets | 2.2821% | 3,466 |
| Loan and lease loss provision to assets | 0.4031% | 869 |
| Net operating income to assets | 0.5363% | 3,939 |
| Return on assets (ROA) | 0.5363% | 4,030 |
| Pretax return on assets | 0.6551% | 3,993 |
| Return on Equity (ROE) | 4.9956% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.9956% | 2,562 |
| Net charge-offs to loans | 0.2924% | 540 |
| Credit loss provision to net charge-offs | 174.9045% | 2,204 |
| Earnings coverage of net charge-offs (x) | 4.5924% | 2,808 |
| Efficiency ratio | 68.3216% | 2,136 |
| Assets per employee ($millions) | 9.1946% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,002 |
| Loan loss allowance to noncurrent loans | 201.6038% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,164 |
| Noncurrent loans to loans | 0.5637% | 2,387 |
| Net loans and leases to total assets | 74.8892% | 1,255 |
| Net loans and leases to deposits | 94.7591% | 864 |
| Net loans and leases to core deposits | 97.8266% | 1,317 |
| Total domestic deposits to total assets | 79.0311% | 4,056 |
| Equity capital to assets | 10.1061% | 3,141 |
| Core capital (leverage) ratio | 10.1805% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,249,500 | 1,663 |
| Average earning assets | $424,664,000 | 1,658 |
| Average equity | $48,761,750 | 1,723 |
| Average total loans | $357,895,500 | 1,483 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 3,962 |
| Cost of funding earning assets | 0.8701% | 1,494 |
| Net interest margin | 2.8935% | 4,319 |
| Noninterest income to average assets | 0.6761% | 1,826 |
| Noninterest expense to average assets | 2.4114% | 3,232 |
| Loan and lease loss provision to assets | 0.6239% | 500 |
| Net operating income to assets | 0.2899% | 4,438 |
| Return on assets (ROA) | 0.2899% | 4,473 |
| Pretax return on assets | 0.3367% | 4,489 |
| Return on Equity (ROE) | 2.6424% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.6424% | 3,533 |
| Net charge-offs to loans | 0.4894% | 328 |
| Credit loss provision to net charge-offs | 159.4657% | 2,081 |
| Earnings coverage of net charge-offs (x) | 2.4553% | 2,772 |
| Efficiency ratio | 71.5133% | 1,761 |
| Assets per employee ($millions) | 8.4542% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 2,888 |
| Loan loss allowance to noncurrent loans | 222.7707% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 2,325 |
| Noncurrent loans to loans | 0.5062% | 2,632 |
| Net loans and leases to total assets | 77.7213% | 889 |
| Net loans and leases to deposits | 99.8827% | 560 |
| Net loans and leases to core deposits | 103.0957% | 1,056 |
| Total domestic deposits to total assets | 77.8126% | 4,212 |
| Equity capital to assets | 10.3229% | 2,912 |
| Core capital (leverage) ratio | 10.7403% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,162,333 | 1,683 |
| Average earning assets | $410,090,000 | 1,675 |
| Average equity | $48,289,667 | 1,727 |
| Average total loans | $351,825,000 | 1,486 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,657 |
| Cost of funding earning assets | 0.9957% | 1,435 |
| Net interest margin | 3.0532% | 4,196 |
| Noninterest income to average assets | 0.5402% | 2,334 |
| Noninterest expense to average assets | 2.5831% | 3,030 |
| Loan and lease loss provision to assets | 0.5289% | 553 |
| Net operating income to assets | 0.2333% | 4,473 |
| Return on assets (ROA) | 0.2333% | 4,495 |
| Pretax return on assets | 0.2607% | 4,509 |
| Return on Equity (ROE) | 2.0584% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.0584% | 3,428 |
| Net charge-offs to loans | 0.5058% | 285 |
| Credit loss provision to net charge-offs | 129.6296% | 1,670 |
| Earnings coverage of net charge-offs (x) | 1.9352% | 2,329 |
| Efficiency ratio | 76.5892% | 1,501 |
| Assets per employee ($millions) | 7.3533% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,119 |
| Loan loss allowance to noncurrent loans | 159.1402% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 2,009 |
| Noncurrent loans to loans | 0.6998% | 2,247 |
| Net loans and leases to total assets | 79.3860% | 769 |
| Net loans and leases to deposits | 105.1041% | 328 |
| Net loans and leases to core deposits | 108.9142% | 905 |
| Total domestic deposits to total assets | 75.5308% | 4,532 |
| Equity capital to assets | 11.3097% | 2,586 |
| Core capital (leverage) ratio | 11.2850% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,526,000 | 1,699 |
| Average earning assets | $392,897,500 | 1,690 |
| Average equity | $47,998,500 | 1,722 |
| Average total loans | $341,659,000 | 1,483 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 3,765 |
| Cost of funding earning assets | 1.0468% | 1,527 |
| Net interest margin | 3.1725% | 4,245 |
| Noninterest income to average assets | 0.5613% | 2,414 |
| Noninterest expense to average assets | 2.4923% | 3,472 |
| Loan and lease loss provision to assets | 0.0925% | 2,182 |
| Net operating income to assets | 0.7608% | 3,668 |
| Return on assets (ROA) | 0.7608% | 3,749 |
| Pretax return on assets | 0.9324% | 3,643 |
| Return on Equity (ROE) | 6.8607% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.8607% | 1,447 |
| Net charge-offs to loans | 0.1071% | 1,655 |
| Credit loss provision to net charge-offs | 106.6298% | 2,322 |
| Earnings coverage of net charge-offs (x) | 11.8094% | 2,461 |
| Efficiency ratio | 70.8589% | 2,040 |
| Assets per employee ($millions) | 7.3783% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,055 |
| Loan loss allowance to noncurrent loans | 173.3302% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 2,067 |
| Noncurrent loans to loans | 0.6236% | 2,329 |
| Net loans and leases to total assets | 80.1896% | 756 |
| Net loans and leases to deposits | 106.8983% | 263 |
| Net loans and leases to core deposits | 112.0754% | 750 |
| Total domestic deposits to total assets | 75.0148% | 4,704 |
| Equity capital to assets | 11.3567% | 2,656 |
| Core capital (leverage) ratio | 11.2305% | 2,311 |
| Tier 1 risk-based capital ratio | 19.6107% | 1,391 |
| Total risk-based capital ratio | 20.8638% | 1,359 |
| Memoranda: | ||
| Average total assets | $417,082,000 | 1,681 |
| Average earning assets | $388,619,600 | 1,670 |
| Average equity | $46,249,200 | 1,713 |
| Average total loans | $338,034,600 | 1,467 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,894 |
| Cost of funding earning assets | 1.0392% | 1,585 |
| Net interest margin | 3.1739% | 4,358 |
| Noninterest income to average assets | 0.5622% | 2,399 |
| Noninterest expense to average assets | 2.4894% | 3,465 |
| Loan and lease loss provision to assets | 0.0961% | 1,989 |
| Net operating income to assets | 0.7618% | 3,805 |
| Return on assets (ROA) | 0.7618% | 3,873 |
| Pretax return on assets | 0.9354% | 3,777 |
| Return on Equity (ROE) | 6.9120% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.9120% | 1,907 |
| Net charge-offs to loans | 0.1486% | 1,099 |
| Credit loss provision to net charge-offs | 79.7872% | 2,510 |
| Earnings coverage of net charge-offs (x) | 8.5639% | 2,646 |
| Efficiency ratio | 70.7033% | 2,019 |
| Assets per employee ($millions) | 7.4338% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,292 |
| Loan loss allowance to noncurrent loans | 115.6825% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 1,625 |
| Noncurrent loans to loans | 0.9067% | 1,763 |
| Net loans and leases to total assets | 79.8137% | 870 |
| Net loans and leases to deposits | 106.9409% | 294 |
| Net loans and leases to core deposits | 111.4640% | 874 |
| Total domestic deposits to total assets | 74.6335% | 4,775 |
| Equity capital to assets | 11.0953% | 3,015 |
| Core capital (leverage) ratio | 11.2497% | 2,428 |
| Tier 1 risk-based capital ratio | 19.7996% | 1,400 |
| Total risk-based capital ratio | 21.0529% | 1,364 |
| Memoranda: | ||
| Average total assets | $416,212,250 | 1,693 |
| Average earning assets | $387,983,500 | 1,682 |
| Average equity | $45,871,000 | 1,726 |
| Average total loans | $337,310,500 | 1,478 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,929 |
| Cost of funding earning assets | 1.0386% | 1,538 |
| Net interest margin | 3.1599% | 4,441 |
| Noninterest income to average assets | 0.5419% | 2,425 |
| Noninterest expense to average assets | 2.5066% | 3,455 |
| Loan and lease loss provision to assets | 0.0967% | 1,925 |
| Net operating income to assets | 0.7227% | 3,925 |
| Return on assets (ROA) | 0.7227% | 3,982 |
| Pretax return on assets | 0.8847% | 3,889 |
| Return on Equity (ROE) | 6.5729% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.5729% | 2,016 |
| Net charge-offs to loans | 0.1900% | 875 |
| Credit loss provision to net charge-offs | 62.6959% | 2,387 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 2,577 |
| Efficiency ratio | 71.8642% | 1,944 |
| Assets per employee ($millions) | 6.7794% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,315 |
| Loan loss allowance to noncurrent loans | 114.2581% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 1,853 |
| Noncurrent loans to loans | 0.9227% | 1,775 |
| Net loans and leases to total assets | 80.3883% | 823 |
| Net loans and leases to deposits | 109.1621% | 235 |
| Net loans and leases to core deposits | 114.8424% | 733 |
| Total domestic deposits to total assets | 73.6412% | 4,860 |
| Equity capital to assets | 11.1548% | 2,902 |
| Core capital (leverage) ratio | 11.1921% | 2,426 |
| Tier 1 risk-based capital ratio | 19.9448% | 1,358 |
| Total risk-based capital ratio | 21.1982% | 1,332 |
| Memoranda: | ||
| Average total assets | $413,707,000 | 1,708 |
| Average earning assets | $385,707,330 | 1,701 |
| Average equity | $45,490,000 | 1,728 |
| Average total loans | $335,821,330 | 1,488 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,974 |
| Cost of funding earning assets | 1.0422% | 1,403 |
| Net interest margin | 3.1171% | 4,558 |
| Noninterest income to average assets | 0.5056% | 2,523 |
| Noninterest expense to average assets | 2.5095% | 3,482 |
| Loan and lease loss provision to assets | 0.1933% | 839 |
| Net operating income to assets | 0.5800% | 4,303 |
| Return on assets (ROA) | 0.5800% | 4,338 |
| Pretax return on assets | 0.7086% | 4,281 |
| Return on Equity (ROE) | 5.3133% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.3133% | 2,770 |
| Net charge-offs to loans | -0.0310% | 4,658 |
| Credit loss provision to net charge-offs | -769.2308% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5619% | 1,806 |
| Assets per employee ($millions) | 7.1265% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,778 |
| Loan loss allowance to noncurrent loans | 104.8261% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 1,566 |
| Noncurrent loans to loans | 1.1095% | 1,508 |
| Net loans and leases to total assets | 79.9368% | 842 |
| Net loans and leases to deposits | 109.8909% | 220 |
| Net loans and leases to core deposits | 115.4198% | 667 |
| Total domestic deposits to total assets | 72.7420% | 5,013 |
| Equity capital to assets | 11.0002% | 2,852 |
| Core capital (leverage) ratio | 11.1560% | 2,421 |
| Tier 1 risk-based capital ratio | 18.4264% | 1,679 |
| Total risk-based capital ratio | 19.6799% | 1,624 |
| Memoranda: | ||
| Average total assets | $413,789,000 | 1,717 |
| Average earning assets | $385,737,500 | 1,708 |
| Average equity | $45,170,000 | 1,727 |
| Average total loans | $335,741,000 | 1,496 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 3,849 |
| Cost of funding earning assets | 0.8818% | 1,169 |
| Net interest margin | 3.1855% | 4,508 |
| Noninterest income to average assets | 0.5774% | 2,411 |
| Noninterest expense to average assets | 2.5298% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8285% | 3,698 |
| Return on assets (ROA) | 0.8285% | 3,697 |
| Pretax return on assets | 1.0091% | 3,566 |
| Return on Equity (ROE) | 7.9375% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.9375% | 1,264 |
| Net charge-offs to loans | 0.0481% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 25.5706% | 1,765 |
| Efficiency ratio | 71.4853% | 1,970 |
| Assets per employee ($millions) | 6.9040% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,191 |
| Loan loss allowance to noncurrent loans | 95.7636% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 1,469 |
| Noncurrent loans to loans | 1.1341% | 1,413 |
| Net loans and leases to total assets | 80.5144% | 865 |
| Net loans and leases to deposits | 116.8940% | 135 |
| Net loans and leases to core deposits | 121.8626% | 501 |
| Total domestic deposits to total assets | 68.8781% | 5,187 |
| Equity capital to assets | 10.8324% | 2,860 |
| Core capital (leverage) ratio | 11.0695% | 2,458 |
| Tier 1 risk-based capital ratio | 18.0683% | 1,738 |
| Total risk-based capital ratio | 19.3206% | 1,698 |
| Memoranda: | ||
| Average total assets | $413,044,200 | 1,658 |
| Average earning assets | $383,990,200 | 1,655 |
| Average equity | $43,111,800 | 1,738 |
| Average total loans | $338,955,400 | 1,445 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 3,941 |
| Cost of funding earning assets | 0.8569% | 1,085 |
| Net interest margin | 3.1400% | 4,635 |
| Noninterest income to average assets | 0.5705% | 2,471 |
| Noninterest expense to average assets | 2.5565% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7711% | 4,004 |
| Return on assets (ROA) | 0.7711% | 4,015 |
| Pretax return on assets | 0.9319% | 3,920 |
| Return on Equity (ROE) | 7.4583% | 3,766 |
| Retained earnings to average equity (ytd only) | 7.4583% | 1,899 |
| Net charge-offs to loans | 0.0609% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 18.6130% | 2,042 |
| Efficiency ratio | 73.2846% | 1,684 |
| Assets per employee ($millions) | 6.9719% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,279 |
| Loan loss allowance to noncurrent loans | 101.8601% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 1,684 |
| Noncurrent loans to loans | 1.0652% | 1,603 |
| Net loans and leases to total assets | 81.3113% | 827 |
| Net loans and leases to deposits | 114.7410% | 171 |
| Net loans and leases to core deposits | 119.3279% | 594 |
| Total domestic deposits to total assets | 70.8650% | 5,187 |
| Equity capital to assets | 10.6123% | 3,033 |
| Core capital (leverage) ratio | 10.8548% | 2,728 |
| Tier 1 risk-based capital ratio | 17.4746% | 1,940 |
| Total risk-based capital ratio | 18.7270% | 1,895 |
| Memoranda: | ||
| Average total assets | $412,745,500 | 1,665 |
| Average earning assets | $383,553,000 | 1,662 |
| Average equity | $42,671,750 | 1,753 |
| Average total loans | $339,398,250 | 1,442 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 3,860 |
| Cost of funding earning assets | 0.8481% | 928 |
| Net interest margin | 3.1267% | 4,674 |
| Noninterest income to average assets | 0.5552% | 2,553 |
| Noninterest expense to average assets | 2.6108% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7023% | 4,189 |
| Return on assets (ROA) | 0.7023% | 4,190 |
| Pretax return on assets | 0.8494% | 4,115 |
| Return on Equity (ROE) | 6.8533% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.8533% | 2,144 |
| Net charge-offs to loans | 0.0753% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.7109% | 2,136 |
| Efficiency ratio | 75.4511% | 1,499 |
| Assets per employee ($millions) | 6.8519% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,236 |
| Loan loss allowance to noncurrent loans | 143.9813% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,344 |
| Noncurrent loans to loans | 0.7663% | 2,203 |
| Net loans and leases to total assets | 80.5819% | 932 |
| Net loans and leases to deposits | 116.3565% | 156 |
| Net loans and leases to core deposits | 123.0636% | 485 |
| Total domestic deposits to total assets | 69.2543% | 5,299 |
| Equity capital to assets | 10.4298% | 3,182 |
| Core capital (leverage) ratio | 10.6463% | 2,870 |
| Tier 1 risk-based capital ratio | 17.3609% | 1,979 |
| Total risk-based capital ratio | 18.6135% | 1,931 |
| Memoranda: | ||
| Average total assets | $413,212,670 | 1,665 |
| Average earning assets | $383,914,670 | 1,666 |
| Average equity | $42,344,670 | 1,774 |
| Average total loans | $339,818,330 | 1,443 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,667 |
| Cost of funding earning assets | 0.8451% | 784 |
| Net interest margin | 3.1393% | 4,619 |
| Noninterest income to average assets | 0.4557% | 3,075 |
| Noninterest expense to average assets | 2.5047% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7165% | 4,046 |
| Return on assets (ROA) | 0.7165% | 4,056 |
| Pretax return on assets | 0.8671% | 3,960 |
| Return on Equity (ROE) | 7.0536% | 3,765 |
| Retained earnings to average equity (ytd only) | 7.0536% | 2,256 |
| Net charge-offs to loans | 0.0549% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.1064% | 1,515 |
| Efficiency ratio | 74.2841% | 1,858 |
| Assets per employee ($millions) | 7.1183% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,321 |
| Loan loss allowance to noncurrent loans | 123.0293% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 2,092 |
| Noncurrent loans to loans | 0.9013% | 2,017 |
| Net loans and leases to total assets | 81.5875% | 715 |
| Net loans and leases to deposits | 117.3554% | 141 |
| Net loans and leases to core deposits | 127.2989% | 390 |
| Total domestic deposits to total assets | 69.5217% | 5,378 |
| Equity capital to assets | 10.2613% | 3,323 |
| Core capital (leverage) ratio | 10.3785% | 3,083 |
| Tier 1 risk-based capital ratio | 17.4919% | 1,977 |
| Total risk-based capital ratio | 18.7454% | 1,933 |
| Memoranda: | ||
| Average total assets | $414,263,500 | 1,668 |
| Average earning assets | $384,805,000 | 1,676 |
| Average equity | $42,078,000 | 1,793 |
| Average total loans | $342,239,000 | 1,437 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,523 |
| Cost of funding earning assets | 0.7774% | 705 |
| Net interest margin | 3.1869% | 4,481 |
| Noninterest income to average assets | 0.5046% | 2,971 |
| Noninterest expense to average assets | 2.4555% | 3,925 |
| Loan and lease loss provision to assets | 0.0346% | 3,575 |
| Net operating income to assets | 0.5258% | 4,307 |
| Return on assets (ROA) | 0.5258% | 4,339 |
| Pretax return on assets | 0.9719% | 3,668 |
| Return on Equity (ROE) | 5.2628% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.2628% | 1,960 |
| Net charge-offs to loans | 0.0517% | 2,767 |
| Credit loss provision to net charge-offs | 82.0809% | 2,915 |
| Earnings coverage of net charge-offs (x) | 23.8786% | 1,787 |
| Efficiency ratio | 70.9269% | 2,412 |
| Assets per employee ($millions) | 6.9278% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,280 |
| Loan loss allowance to noncurrent loans | 125.3770% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 1,968 |
| Noncurrent loans to loans | 0.8870% | 2,005 |
| Net loans and leases to total assets | 81.8046% | 707 |
| Net loans and leases to deposits | 120.9565% | 104 |
| Net loans and leases to core deposits | 132.5855% | 296 |
| Total domestic deposits to total assets | 67.6315% | 5,485 |
| Equity capital to assets | 10.0540% | 3,640 |
| Core capital (leverage) ratio | 10.0223% | 3,429 |
| Tier 1 risk-based capital ratio | 17.0418% | 2,075 |
| Total risk-based capital ratio | 18.2953% | 2,028 |
| Memoranda: | ||
| Average total assets | $410,420,600 | 1,665 |
| Average earning assets | $380,867,200 | 1,670 |
| Average equity | $41,004,600 | 1,816 |
| Average total loans | $334,863,400 | 1,429 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,556 |
| Cost of funding earning assets | 0.7732% | 674 |
| Net interest margin | 3.1665% | 4,545 |
| Noninterest income to average assets | 0.4898% | 3,087 |
| Noninterest expense to average assets | 2.4690% | 3,825 |
| Loan and lease loss provision to assets | 0.0463% | 3,177 |
| Net operating income to assets | 0.6485% | 4,194 |
| Return on assets (ROA) | 0.6485% | 4,250 |
| Pretax return on assets | 0.9122% | 3,994 |
| Return on Equity (ROE) | 6.5018% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.5018% | 1,958 |
| Net charge-offs to loans | 0.0577% | 2,302 |
| Credit loss provision to net charge-offs | 98.6111% | 2,333 |
| Earnings coverage of net charge-offs (x) | 20.4231% | 1,952 |
| Efficiency ratio | 72.0358% | 2,199 |
| Assets per employee ($millions) | 6.8471% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,329 |
| Loan loss allowance to noncurrent loans | 104.7283% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 1,623 |
| Noncurrent loans to loans | 1.0766% | 1,788 |
| Net loans and leases to total assets | 80.9184% | 855 |
| Net loans and leases to deposits | 118.9420% | 113 |
| Net loans and leases to core deposits | 132.4063% | 304 |
| Total domestic deposits to total assets | 68.0318% | 5,535 |
| Equity capital to assets | 10.0315% | 3,876 |
| Core capital (leverage) ratio | 10.1325% | 3,403 |
| Tier 1 risk-based capital ratio | 16.9768% | 2,164 |
| Total risk-based capital ratio | 18.2304% | 2,117 |
| Memoranda: | ||
| Average total assets | $409,109,250 | 1,683 |
| Average earning assets | $379,551,000 | 1,683 |
| Average equity | $40,808,000 | 1,836 |
| Average total loans | $332,614,750 | 1,442 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 3,513 |
| Cost of funding earning assets | 0.7797% | 582 |
| Net interest margin | 3.1327% | 4,596 |
| Noninterest income to average assets | 0.4844% | 3,117 |
| Noninterest expense to average assets | 2.4792% | 3,815 |
| Loan and lease loss provision to assets | 0.0699% | 2,577 |
| Net operating income to assets | 0.6031% | 4,293 |
| Return on assets (ROA) | 0.6031% | 4,337 |
| Pretax return on assets | 0.8428% | 4,119 |
| Return on Equity (ROE) | 6.0577% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.0577% | 2,080 |
| Net charge-offs to loans | 0.0892% | 1,717 |
| Credit loss provision to net charge-offs | 96.5986% | 2,081 |
| Earnings coverage of net charge-offs (x) | 12.6122% | 2,175 |
| Efficiency ratio | 73.0914% | 2,173 |
| Assets per employee ($millions) | 6.8366% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,260 |
| Loan loss allowance to noncurrent loans | 131.2649% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 2,239 |
| Noncurrent loans to loans | 0.8823% | 2,213 |
| Net loans and leases to total assets | 80.1067% | 938 |
| Net loans and leases to deposits | 117.7512% | 123 |
| Net loans and leases to core deposits | 131.2178% | 288 |
| Total domestic deposits to total assets | 68.0305% | 5,593 |
| Equity capital to assets | 10.0170% | 3,889 |
| Core capital (leverage) ratio | 10.1167% | 3,383 |
| Tier 1 risk-based capital ratio | 17.1463% | 2,121 |
| Total risk-based capital ratio | 18.4005% | 2,062 |
| Memoranda: | ||
| Average total assets | $406,254,330 | 1,689 |
| Average earning assets | $377,055,670 | 1,695 |
| Average equity | $40,444,330 | 1,851 |
| Average total loans | $329,543,330 | 1,457 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,469 |
| Cost of funding earning assets | 0.7911% | 515 |
| Net interest margin | 3.0876% | 4,687 |
| Noninterest income to average assets | 0.4799% | 3,117 |
| Noninterest expense to average assets | 2.4755% | 3,893 |
| Loan and lease loss provision to assets | 0.0762% | 2,287 |
| Net operating income to assets | 0.5630% | 4,320 |
| Return on assets (ROA) | 0.5630% | 4,364 |
| Pretax return on assets | 0.7935% | 4,128 |
| Return on Equity (ROE) | 5.6727% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.6727% | 2,505 |
| Net charge-offs to loans | -0.0024% | 4,027 |
| Credit loss provision to net charge-offs | -3,850.0000% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0018% | 2,233 |
| Assets per employee ($millions) | 6.8561% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 3,167 |
| Loan loss allowance to noncurrent loans | 106.8441% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0398% | 1,750 |
| Noncurrent loans to loans | 1.1181% | 1,826 |
| Net loans and leases to total assets | 80.4351% | 779 |
| Net loans and leases to deposits | 118.5873% | 100 |
| Net loans and leases to core deposits | 132.4648% | 229 |
| Total domestic deposits to total assets | 67.8277% | 5,680 |
| Equity capital to assets | 9.9941% | 3,765 |
| Core capital (leverage) ratio | 10.0650% | 3,420 |
| Tier 1 risk-based capital ratio | 17.0437% | 2,171 |
| Total risk-based capital ratio | 18.2983% | 2,122 |
| Memoranda: | ||
| Average total assets | $404,284,500 | 1,713 |
| Average earning assets | $375,173,000 | 1,711 |
| Average equity | $40,122,000 | 1,863 |
| Average total loans | $328,093,500 | 1,469 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 3,407 |
| Cost of funding earning assets | 0.8553% | 375 |
| Net interest margin | 3.0883% | 4,760 |
| Noninterest income to average assets | 0.6003% | 2,661 |
| Noninterest expense to average assets | 2.2591% | 4,634 |
| Loan and lease loss provision to assets | 0.0682% | 3,006 |
| Net operating income to assets | 0.7941% | 3,334 |
| Return on assets (ROA) | 0.7965% | 3,418 |
| Pretax return on assets | 1.1400% | 2,937 |
| Return on Equity (ROE) | 8.3314% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.3314% | 753 |
| Net charge-offs to loans | -0.0120% | 4,985 |
| Credit loss provision to net charge-offs | -705.1282% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2196% | 3,726 |
| Assets per employee ($millions) | 7.0888% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 3,242 |
| Loan loss allowance to noncurrent loans | 171.1496% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,829 |
| Noncurrent loans to loans | 0.6892% | 2,812 |
| Net loans and leases to total assets | 79.9460% | 900 |
| Net loans and leases to deposits | 116.4694% | 127 |
| Net loans and leases to core deposits | 130.5210% | 279 |
| Total domestic deposits to total assets | 68.6412% | 5,699 |
| Equity capital to assets | 9.8543% | 3,876 |
| Core capital (leverage) ratio | 9.8488% | 3,690 |
| Tier 1 risk-based capital ratio | 16.6041% | 2,304 |
| Total risk-based capital ratio | 17.8583% | 2,247 |
| Memoranda: | ||
| Average total assets | $402,993,400 | 1,669 |
| Average earning assets | $373,666,400 | 1,666 |
| Average equity | $38,528,800 | 1,910 |
| Average total loans | $325,142,600 | 1,433 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,367 |
| Cost of funding earning assets | 0.8663% | 350 |
| Net interest margin | 3.0946% | 4,787 |
| Noninterest income to average assets | 0.5969% | 2,678 |
| Noninterest expense to average assets | 2.2665% | 4,611 |
| Loan and lease loss provision to assets | 0.0695% | 2,827 |
| Net operating income to assets | 0.7890% | 3,415 |
| Return on assets (ROA) | 0.7922% | 3,545 |
| Pretax return on assets | 1.1346% | 3,099 |
| Return on Equity (ROE) | 8.3509% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.3509% | 1,027 |
| Net charge-offs to loans | -0.0435% | 5,320 |
| Credit loss provision to net charge-offs | -198.1132% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3931% | 3,691 |
| Assets per employee ($millions) | 6.9457% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,393 |
| Loan loss allowance to noncurrent loans | 148.6893% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 2,769 |
| Noncurrent loans to loans | 0.7910% | 2,699 |
| Net loans and leases to total assets | 79.0881% | 1,024 |
| Net loans and leases to deposits | 117.3332% | 140 |
| Net loans and leases to core deposits | 131.3748% | 280 |
| Total domestic deposits to total assets | 67.4047% | 5,782 |
| Equity capital to assets | 9.5933% | 4,563 |
| Core capital (leverage) ratio | 9.6065% | 4,048 |
| Tier 1 risk-based capital ratio | 16.1648% | 2,560 |
| Total risk-based capital ratio | 17.4187% | 2,509 |
| Memoranda: | ||
| Average total assets | $402,727,000 | 1,676 |
| Average earning assets | $373,370,750 | 1,668 |
| Average equity | $38,206,750 | 1,928 |
| Average total loans | $324,707,000 | 1,431 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,260 |
| Cost of funding earning assets | 0.8624% | 352 |
| Net interest margin | 3.1330% | 4,742 |
| Noninterest income to average assets | 0.5445% | 2,933 |
| Noninterest expense to average assets | 2.3288% | 4,527 |
| Loan and lease loss provision to assets | 0.0744% | 2,649 |
| Net operating income to assets | 0.7314% | 3,642 |
| Return on assets (ROA) | 0.7363% | 3,783 |
| Pretax return on assets | 1.0555% | 3,380 |
| Return on Equity (ROE) | 7.7911% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.7911% | 1,249 |
| Net charge-offs to loans | -0.0408% | 5,278 |
| Credit loss provision to net charge-offs | -225.7576% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4674% | 3,459 |
| Assets per employee ($millions) | 6.4349% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 3,657 |
| Loan loss allowance to noncurrent loans | 172.6103% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 3,090 |
| Noncurrent loans to loans | 0.6654% | 3,075 |
| Net loans and leases to total assets | 79.7363% | 947 |
| Net loans and leases to deposits | 119.5562% | 104 |
| Net loans and leases to core deposits | 134.4293% | 247 |
| Total domestic deposits to total assets | 66.6936% | 5,873 |
| Equity capital to assets | 9.4894% | 4,778 |
| Core capital (leverage) ratio | 9.5657% | 4,111 |
| Tier 1 risk-based capital ratio | 15.7647% | 2,755 |
| Total risk-based capital ratio | 17.0181% | 2,686 |
| Memoranda: | ||
| Average total assets | $400,371,000 | 1,686 |
| Average earning assets | $371,530,000 | 1,679 |
| Average equity | $37,838,000 | 1,948 |
| Average total loans | $323,624,000 | 1,442 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 2,701 |
| Cost of funding earning assets | 0.8648% | 358 |
| Net interest margin | 3.2718% | 4,327 |
| Noninterest income to average assets | 0.4916% | 3,180 |
| Noninterest expense to average assets | 2.2752% | 4,723 |
| Loan and lease loss provision to assets | 0.0744% | 2,472 |
| Net operating income to assets | 0.8375% | 3,047 |
| Return on assets (ROA) | 0.8375% | 3,181 |
| Pretax return on assets | 1.1773% | 2,792 |
| Return on Equity (ROE) | 8.8801% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.8801% | 1,152 |
| Net charge-offs to loans | -0.1131% | 5,688 |
| Credit loss provision to net charge-offs | -81.3187% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5097% | 4,040 |
| Assets per employee ($millions) | 6.6739% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,812 |
| Loan loss allowance to noncurrent loans | 130.0807% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 2,666 |
| Noncurrent loans to loans | 0.8791% | 2,652 |
| Net loans and leases to total assets | 80.0072% | 807 |
| Net loans and leases to deposits | 123.3434% | 76 |
| Net loans and leases to core deposits | 138.8169% | 178 |
| Total domestic deposits to total assets | 64.8655% | 5,985 |
| Equity capital to assets | 9.4994% | 4,670 |
| Core capital (leverage) ratio | 9.5246% | 4,147 |
| Tier 1 risk-based capital ratio | 15.6076% | 2,857 |
| Total risk-based capital ratio | 16.8609% | 2,789 |
| Memoranda: | ||
| Average total assets | $397,857,000 | 1,697 |
| Average earning assets | $369,090,000 | 1,687 |
| Average equity | $37,522,000 | 1,961 |
| Average total loans | $321,933,000 | 1,439 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 3,548 |
| Cost of funding earning assets | 0.8451% | 381 |
| Net interest margin | 3.0987% | 4,904 |
| Noninterest income to average assets | 0.4596% | 3,593 |
| Noninterest expense to average assets | 2.5079% | 4,203 |
| Loan and lease loss provision to assets | 0.0557% | 3,194 |
| Net operating income to assets | 0.5686% | 4,426 |
| Return on assets (ROA) | 0.5717% | 4,501 |
| Pretax return on assets | 0.7777% | 4,269 |
| Return on Equity (ROE) | 6.0792% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.0792% | 1,751 |
| Net charge-offs to loans | 0.1486% | 1,879 |
| Credit loss provision to net charge-offs | 46.1039% | 3,459 |
| Earnings coverage of net charge-offs (x) | 6.8658% | 3,160 |
| Efficiency ratio | 75.1508% | 2,402 |
| Assets per employee ($millions) | 6.8152% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 4,006 |
| Loan loss allowance to noncurrent loans | 216.2393% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 3,373 |
| Noncurrent loans to loans | 0.5122% | 3,645 |
| Net loans and leases to total assets | 80.0045% | 847 |
| Net loans and leases to deposits | 124.5784% | 72 |
| Net loans and leases to core deposits | 139.4428% | 172 |
| Total domestic deposits to total assets | 64.2202% | 6,046 |
| Equity capital to assets | 9.3617% | 4,719 |
| Core capital (leverage) ratio | 9.5675% | 4,087 |
| Tier 1 risk-based capital ratio | 15.7108% | 2,825 |
| Total risk-based capital ratio | 16.9639% | 2,763 |
| Memoranda: | ||
| Average total assets | $382,516,400 | 1,719 |
| Average earning assets | $355,208,800 | 1,703 |
| Average equity | $35,975,400 | 1,985 |
| Average total loans | $310,806,000 | 1,425 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 3,489 |
| Cost of funding earning assets | 0.8441% | 389 |
| Net interest margin | 3.1177% | 4,918 |
| Noninterest income to average assets | 0.4506% | 3,716 |
| Noninterest expense to average assets | 2.5462% | 4,062 |
| Loan and lease loss provision to assets | 0.0513% | 3,179 |
| Net operating income to assets | 0.5495% | 4,591 |
| Return on assets (ROA) | 0.5536% | 4,674 |
| Pretax return on assets | 0.7550% | 4,472 |
| Return on Equity (ROE) | 5.8792% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.8792% | 2,323 |
| Net charge-offs to loans | 0.1612% | 1,535 |
| Credit loss provision to net charge-offs | 39.1421% | 3,169 |
| Earnings coverage of net charge-offs (x) | 6.1073% | 3,101 |
| Efficiency ratio | 76.0765% | 2,233 |
| Assets per employee ($millions) | 6.6304% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 4,150 |
| Loan loss allowance to noncurrent loans | 187.0341% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 3,264 |
| Noncurrent loans to loans | 0.5952% | 3,545 |
| Net loans and leases to total assets | 82.3056% | 544 |
| Net loans and leases to deposits | 124.7904% | 69 |
| Net loans and leases to core deposits | 139.6169% | 170 |
| Total domestic deposits to total assets | 65.9551% | 6,095 |
| Equity capital to assets | 9.5152% | 4,733 |
| Core capital (leverage) ratio | 9.5931% | 4,177 |
| Tier 1 risk-based capital ratio | 15.9240% | 2,835 |
| Total risk-based capital ratio | 17.1773% | 2,778 |
| Memoranda: | ||
| Average total assets | $379,325,750 | 1,742 |
| Average earning assets | $352,386,000 | 1,727 |
| Average equity | $35,718,000 | 2,005 |
| Average total loans | $308,561,750 | 1,441 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 3,433 |
| Cost of funding earning assets | 0.8428% | 392 |
| Net interest margin | 3.1203% | 4,916 |
| Noninterest income to average assets | 0.4222% | 3,907 |
| Noninterest expense to average assets | 2.6908% | 3,622 |
| Loan and lease loss provision to assets | 0.0318% | 3,486 |
| Net operating income to assets | 0.4424% | 4,996 |
| Return on assets (ROA) | 0.4486% | 5,075 |
| Pretax return on assets | 0.6044% | 4,965 |
| Return on Equity (ROE) | 4.7817% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.7817% | 3,002 |
| Net charge-offs to loans | 0.0879% | 2,156 |
| Credit loss provision to net charge-offs | 44.7761% | 2,761 |
| Earnings coverage of net charge-offs (x) | 8.8433% | 2,523 |
| Efficiency ratio | 81.0854% | 1,612 |
| Assets per employee ($millions) | 6.3217% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,811 |
| Loan loss allowance to noncurrent loans | 146.8775% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 2,375 |
| Noncurrent loans to loans | 0.8147% | 3,088 |
| Net loans and leases to total assets | 80.8907% | 686 |
| Net loans and leases to deposits | 122.5744% | 79 |
| Net loans and leases to core deposits | 136.9633% | 193 |
| Total domestic deposits to total assets | 65.9932% | 6,170 |
| Equity capital to assets | 9.4215% | 4,752 |
| Core capital (leverage) ratio | 9.4541% | 4,334 |
| Tier 1 risk-based capital ratio | 16.2840% | 2,716 |
| Total risk-based capital ratio | 17.5394% | 2,672 |
| Memoranda: | ||
| Average total assets | $377,580,000 | 1,761 |
| Average earning assets | $350,479,670 | 1,742 |
| Average equity | $35,426,670 | 2,028 |
| Average total loans | $304,722,330 | 1,460 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9622% | 3,372 |
| Cost of funding earning assets | 0.8309% | 420 |
| Net interest margin | 3.1313% | 4,848 |
| Noninterest income to average assets | 0.3907% | 4,082 |
| Noninterest expense to average assets | 2.3561% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6700% | 3,954 |
| Return on assets (ROA) | 0.6700% | 4,077 |
| Pretax return on assets | 0.9397% | 3,743 |
| Return on Equity (ROE) | 7.1558% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.1558% | 1,943 |
| Net charge-offs to loans | 0.1484% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.9018% | 2,125 |
| Efficiency ratio | 71.4884% | 3,250 |
| Assets per employee ($millions) | 6.2483% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,890 |
| Loan loss allowance to noncurrent loans | 155.3866% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 2,320 |
| Noncurrent loans to loans | 0.7812% | 3,300 |
| Net loans and leases to total assets | 79.8437% | 703 |
| Net loans and leases to deposits | 122.3847% | 72 |
| Net loans and leases to core deposits | 137.0500% | 177 |
| Total domestic deposits to total assets | 65.2400% | 6,252 |
| Equity capital to assets | 9.4978% | 4,754 |
| Core capital (leverage) ratio | 9.5230% | 4,237 |
| Tier 1 risk-based capital ratio | 16.7954% | 2,563 |
| Total risk-based capital ratio | 18.0514% | 2,518 |
| Memoranda: | ||
| Average total assets | $376,718,500 | 1,771 |
| Average earning assets | $349,505,500 | 1,760 |
| Average equity | $35,272,000 | 2,051 |
| Average total loans | $301,815,000 | 1,471 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,844 |
| Cost of funding earning assets | 0.8735% | 452 |
| Net interest margin | 3.0944% | 5,221 |
| Noninterest income to average assets | 0.4144% | 4,082 |
| Noninterest expense to average assets | 2.5056% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5656% | 4,529 |
| Return on assets (ROA) | 0.6232% | 4,367 |
| Pretax return on assets | 0.8579% | 4,040 |
| Return on Equity (ROE) | 6.6468% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.6468% | 1,573 |
| Net charge-offs to loans | -0.0108% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2834% | 2,468 |
| Assets per employee ($millions) | 6.5266% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,659 |
| Loan loss allowance to noncurrent loans | 93.0975% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 1,803 |
| Noncurrent loans to loans | 1.3542% | 2,173 |
| Net loans and leases to total assets | 78.4145% | 948 |
| Net loans and leases to deposits | 121.3884% | 87 |
| Net loans and leases to core deposits | 136.5582% | 189 |
| Total domestic deposits to total assets | 64.5980% | 6,351 |
| Equity capital to assets | 9.2294% | 5,030 |
| Core capital (leverage) ratio | 9.2154% | 4,656 |
| Tier 1 risk-based capital ratio | 15.7512% | 3,097 |
| Total risk-based capital ratio | 17.0069% | 3,030 |
| Memoranda: | ||
| Average total assets | $358,795,600 | 1,821 |
| Average earning assets | $332,800,000 | 1,803 |
| Average equity | $33,640,000 | 2,070 |
| Average total loans | $287,588,000 | 1,483 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 3,714 |
| Cost of funding earning assets | 0.8795% | 468 |
| Net interest margin | 3.1314% | 5,171 |
| Noninterest income to average assets | 0.4077% | 4,184 |
| Noninterest expense to average assets | 2.4612% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6169% | 4,367 |
| Return on assets (ROA) | 0.6937% | 4,064 |
| Pretax return on assets | 0.9574% | 3,769 |
| Return on Equity (ROE) | 7.3677% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.3677% | 1,639 |
| Net charge-offs to loans | 0.0727% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.5678% | 2,133 |
| Efficiency ratio | 74.3117% | 2,770 |
| Assets per employee ($millions) | 5.9943% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,110 |
| Loan loss allowance to noncurrent loans | 117.6624% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2876% | 2,398 |
| Noncurrent loans to loans | 1.0400% | 2,992 |
| Net loans and leases to total assets | 79.5643% | 765 |
| Net loans and leases to deposits | 120.9128% | 86 |
| Net loans and leases to core deposits | 136.2911% | 176 |
| Total domestic deposits to total assets | 65.8031% | 6,409 |
| Equity capital to assets | 9.4117% | 4,906 |
| Core capital (leverage) ratio | 9.4273% | 4,473 |
| Tier 1 risk-based capital ratio | 15.7531% | 3,185 |
| Total risk-based capital ratio | 17.0081% | 3,120 |
| Memoranda: | ||
| Average total assets | $353,859,250 | 1,857 |
| Average earning assets | $328,190,250 | 1,836 |
| Average equity | $33,315,750 | 2,095 |
| Average total loans | $284,329,750 | 1,505 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,637 |
| Cost of funding earning assets | 0.8881% | 458 |
| Net interest margin | 3.1369% | 5,135 |
| Noninterest income to average assets | 0.3927% | 4,293 |
| Noninterest expense to average assets | 2.5525% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5472% | 4,614 |
| Return on assets (ROA) | 0.6636% | 4,124 |
| Pretax return on assets | 0.9088% | 3,856 |
| Return on Equity (ROE) | 7.0471% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.0471% | 1,744 |
| Net charge-offs to loans | 0.1132% | 2,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.2453% | 2,521 |
| Efficiency ratio | 77.3066% | 2,407 |
| Assets per employee ($millions) | 6.5021% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,150 |
| Loan loss allowance to noncurrent loans | 136.0544% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 2,761 |
| Noncurrent loans to loans | 0.9196% | 3,423 |
| Net loans and leases to total assets | 79.4476% | 751 |
| Net loans and leases to deposits | 121.0485% | 81 |
| Net loans and leases to core deposits | 136.7712% | 166 |
| Total domestic deposits to total assets | 65.6329% | 6,485 |
| Equity capital to assets | 9.4470% | 4,795 |
| Core capital (leverage) ratio | 9.4540% | 4,389 |
| Tier 1 risk-based capital ratio | 15.7070% | 3,244 |
| Total risk-based capital ratio | 16.9623% | 3,179 |
| Memoranda: | ||
| Average total assets | $349,929,000 | 1,872 |
| Average earning assets | $324,528,000 | 1,854 |
| Average equity | $32,949,670 | 2,101 |
| Average total loans | $280,929,330 | 1,519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,671 |
| Cost of funding earning assets | 0.8898% | 481 |
| Net interest margin | 3.1132% | 5,203 |
| Noninterest income to average assets | 0.3791% | 4,355 |
| Noninterest expense to average assets | 2.2168% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7570% | 3,369 |
| Return on assets (ROA) | 0.7570% | 3,459 |
| Pretax return on assets | 1.0495% | 3,136 |
| Return on Equity (ROE) | 8.0535% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.0535% | 1,575 |
| Net charge-offs to loans | 0.1081% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.1067% | 1,739 |
| Efficiency ratio | 67.8698% | 4,204 |
| Assets per employee ($millions) | 6.3052% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,987 |
| Loan loss allowance to noncurrent loans | 102.1064% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 3,064 |
| Noncurrent loans to loans | 1.2972% | 2,859 |
| Net loans and leases to total assets | 79.1421% | 644 |
| Net loans and leases to deposits | 119.8873% | 74 |
| Net loans and leases to core deposits | 134.2944% | 155 |
| Total domestic deposits to total assets | 66.0137% | 6,557 |
| Equity capital to assets | 9.5169% | 4,481 |
| Core capital (leverage) ratio | 9.5951% | 4,140 |
| Tier 1 risk-based capital ratio | 15.9829% | 3,177 |
| Total risk-based capital ratio | 17.2393% | 3,128 |
| Memoranda: | ||
| Average total assets | $346,084,500 | 1,898 |
| Average earning assets | $320,956,000 | 1,880 |
| Average equity | $32,532,500 | 2,120 |
| Average total loans | $277,534,500 | 1,544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 4,062 |
| Cost of funding earning assets | 0.9229% | 658 |
| Net interest margin | 3.0857% | 5,357 |
| Noninterest income to average assets | 0.4144% | 4,347 |
| Noninterest expense to average assets | 2.3165% | 5,322 |
| Loan and lease loss provision to assets | 0.0898% | 3,314 |
| Net operating income to assets | 0.6349% | 4,095 |
| Return on assets (ROA) | 0.6386% | 4,184 |
| Pretax return on assets | 0.8692% | 3,887 |
| Return on Equity (ROE) | 6.8036% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.8036% | 1,526 |
| Net charge-offs to loans | 0.2998% | 2,189 |
| Credit loss provision to net charge-offs | 37.7834% | 4,085 |
| Earnings coverage of net charge-offs (x) | 4.0126% | 3,703 |
| Efficiency ratio | 70.8322% | 3,695 |
| Assets per employee ($millions) | 6.3960% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 3,855 |
| Loan loss allowance to noncurrent loans | 107.0940% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 3,201 |
| Noncurrent loans to loans | 1.2675% | 3,011 |
| Net loans and leases to total assets | 79.0926% | 699 |
| Net loans and leases to deposits | 121.6274% | 63 |
| Net loans and leases to core deposits | 133.6239% | 171 |
| Total domestic deposits to total assets | 65.0286% | 6,653 |
| Equity capital to assets | 9.2830% | 4,708 |
| Core capital (leverage) ratio | 9.4366% | 4,359 |
| Tier 1 risk-based capital ratio | 15.6960% | 3,255 |
| Total risk-based capital ratio | 16.9527% | 3,208 |
| Memoranda: | ||
| Average total assets | $333,991,800 | 1,923 |
| Average earning assets | $309,138,200 | 1,915 |
| Average equity | $31,351,200 | 2,164 |
| Average total loans | $264,865,200 | 1,574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 4,133 |
| Cost of funding earning assets | 0.9210% | 740 |
| Net interest margin | 3.0806% | 5,377 |
| Noninterest income to average assets | 0.4099% | 4,454 |
| Noninterest expense to average assets | 2.2870% | 5,387 |
| Loan and lease loss provision to assets | 0.0966% | 3,149 |
| Net operating income to assets | 0.6449% | 4,152 |
| Return on assets (ROA) | 0.6547% | 4,228 |
| Pretax return on assets | 0.8894% | 3,932 |
| Return on Equity (ROE) | 6.9545% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.9545% | 1,898 |
| Net charge-offs to loans | 0.2429% | 2,356 |
| Credit loss provision to net charge-offs | 50.3145% | 3,489 |
| Earnings coverage of net charge-offs (x) | 5.0650% | 3,291 |
| Efficiency ratio | 70.1581% | 3,737 |
| Assets per employee ($millions) | 6.2361% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 3,534 |
| Loan loss allowance to noncurrent loans | 101.8256% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 3,171 |
| Noncurrent loans to loans | 1.4541% | 2,986 |
| Net loans and leases to total assets | 77.9100% | 756 |
| Net loans and leases to deposits | 120.0974% | 66 |
| Net loans and leases to core deposits | 130.2537% | 188 |
| Total domestic deposits to total assets | 64.8723% | 6,727 |
| Equity capital to assets | 9.2416% | 4,877 |
| Core capital (leverage) ratio | 9.3565% | 4,598 |
| Tier 1 risk-based capital ratio | 15.7332% | 3,330 |
| Total risk-based capital ratio | 16.9920% | 3,283 |
| Memoranda: | ||
| Average total assets | $331,143,500 | 1,956 |
| Average earning assets | $306,335,250 | 1,943 |
| Average equity | $31,173,500 | 2,197 |
| Average total loans | $261,848,250 | 1,593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 4,133 |
| Cost of funding earning assets | 0.9293% | 778 |
| Net interest margin | 3.0659% | 5,375 |
| Noninterest income to average assets | 0.4028% | 4,503 |
| Noninterest expense to average assets | 2.3649% | 5,163 |
| Loan and lease loss provision to assets | 0.1100% | 2,963 |
| Net operating income to assets | 0.5694% | 4,458 |
| Return on assets (ROA) | 0.5844% | 4,556 |
| Pretax return on assets | 0.7855% | 4,364 |
| Return on Equity (ROE) | 6.1679% | 4,063 |
| Retained earnings to average equity (ytd only) | 6.1679% | 2,340 |
| Net charge-offs to loans | 0.3440% | 1,808 |
| Credit loss provision to net charge-offs | 40.4494% | 3,411 |
| Earnings coverage of net charge-offs (x) | 3.2180% | 3,455 |
| Efficiency ratio | 72.9862% | 3,311 |
| Assets per employee ($millions) | 6.1051% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,519 |
| Loan loss allowance to noncurrent loans | 113.6830% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 3,658 |
| Noncurrent loans to loans | 1.3326% | 3,325 |
| Net loans and leases to total assets | 77.2120% | 839 |
| Net loans and leases to deposits | 120.4375% | 68 |
| Net loans and leases to core deposits | 127.7954% | 205 |
| Total domestic deposits to total assets | 64.1096% | 6,794 |
| Equity capital to assets | 9.2514% | 4,920 |
| Core capital (leverage) ratio | 9.3585% | 4,457 |
| Tier 1 risk-based capital ratio | 15.9746% | 3,209 |
| Total risk-based capital ratio | 17.2343% | 3,147 |
| Memoranda: | ||
| Average total assets | $327,197,000 | 1,983 |
| Average earning assets | $302,811,000 | 1,974 |
| Average equity | $30,999,000 | 2,220 |
| Average total loans | $258,719,670 | 1,607 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,903 |
| Cost of funding earning assets | 0.9585% | 753 |
| Net interest margin | 3.0967% | 5,273 |
| Noninterest income to average assets | 0.3828% | 4,598 |
| Noninterest expense to average assets | 2.4403% | 4,981 |
| Loan and lease loss provision to assets | 0.2230% | 1,653 |
| Net operating income to assets | 0.4435% | 4,940 |
| Return on assets (ROA) | 0.4435% | 5,101 |
| Pretax return on assets | 0.5810% | 5,021 |
| Return on Equity (ROE) | 4.6244% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.6244% | 3,457 |
| Net charge-offs to loans | 0.0094% | 3,965 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 108.1667% | 351 |
| Efficiency ratio | 75.2195% | 3,055 |
| Assets per employee ($millions) | 5.9095% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,900 |
| Loan loss allowance to noncurrent loans | 133.0628% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 3,785 |
| Noncurrent loans to loans | 1.2965% | 3,616 |
| Net loans and leases to total assets | 77.5882% | 653 |
| Net loans and leases to deposits | 118.8924% | 74 |
| Net loans and leases to core deposits | 125.5204% | 211 |
| Total domestic deposits to total assets | 65.2592% | 6,861 |
| Equity capital to assets | 9.5751% | 4,743 |
| Core capital (leverage) ratio | 9.5005% | 4,079 |
| Tier 1 risk-based capital ratio | 15.9480% | 3,301 |
| Total risk-based capital ratio | 17.2144% | 3,250 |
| Memoranda: | ||
| Average total assets | $322,906,500 | 2,032 |
| Average earning assets | $298,380,500 | 2,018 |
| Average equity | $30,966,500 | 2,242 |
| Average total loans | $256,455,000 | 1,630 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 3,436 |
| Cost of funding earning assets | 1.1154% | 854 |
| Net interest margin | 3.3752% | 4,977 |
| Noninterest income to average assets | 0.1741% | 6,159 |
| Noninterest expense to average assets | 2.3676% | 5,503 |
| Loan and lease loss provision to assets | 0.2439% | 2,703 |
| Net operating income to assets | 0.5060% | 4,665 |
| Return on assets (ROA) | 0.5060% | 4,926 |
| Pretax return on assets | 0.7078% | 4,645 |
| Return on Equity (ROE) | 5.3354% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.3354% | 2,480 |
| Net charge-offs to loans | 0.1049% | 4,618 |
| Credit loss provision to net charge-offs | 284.3866% | 857 |
| Earnings coverage of net charge-offs (x) | 11.0967% | 2,070 |
| Efficiency ratio | 71.3284% | 3,562 |
| Assets per employee ($millions) | 6.4158% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 3,086 |
| Loan loss allowance to noncurrent loans | 117.5511% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1278% | 3,772 |
| Noncurrent loans to loans | 1.4116% | 3,481 |
| Net loans and leases to total assets | 78.5718% | 615 |
| Net loans and leases to deposits | 117.4339% | 87 |
| Net loans and leases to core deposits | 125.7581% | 225 |
| Total domestic deposits to total assets | 66.9072% | 6,881 |
| Equity capital to assets | 9.6050% | 4,740 |
| Core capital (leverage) ratio | 9.5087% | 4,092 |
| Tier 1 risk-based capital ratio | 17.6173% | 2,410 |
| Total risk-based capital ratio | 18.8631% | 2,377 |
| Memoranda: | ||
| Average total assets | $313,644,800 | 2,044 |
| Average earning assets | $292,276,400 | 2,019 |
| Average equity | $29,744,800 | 2,264 |
| Average total loans | $256,368,800 | 1,615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 3,744 |
| Cost of funding earning assets | 1.1309% | 941 |
| Net interest margin | 3.3414% | 5,244 |
| Noninterest income to average assets | 0.1599% | 6,339 |
| Noninterest expense to average assets | 2.2860% | 5,726 |
| Loan and lease loss provision to assets | 0.2501% | 2,560 |
| Net operating income to assets | 0.5242% | 4,736 |
| Return on assets (ROA) | 0.5242% | 5,005 |
| Pretax return on assets | 0.7426% | 4,696 |
| Return on Equity (ROE) | 5.5453% | 4,579 |
| Retained earnings to average equity (ytd only) | 5.5453% | 3,008 |
| Net charge-offs to loans | 0.1305% | 4,073 |
| Credit loss provision to net charge-offs | 233.0677% | 1,190 |
| Earnings coverage of net charge-offs (x) | 9.2509% | 2,345 |
| Efficiency ratio | 69.7223% | 3,745 |
| Assets per employee ($millions) | 6.3193% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,591 |
| Loan loss allowance to noncurrent loans | 218.3031% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,189 |
| Noncurrent loans to loans | 0.7250% | 4,980 |
| Net loans and leases to total assets | 80.5138% | 468 |
| Net loans and leases to deposits | 118.8310% | 82 |
| Net loans and leases to core deposits | 127.3877% | 214 |
| Total domestic deposits to total assets | 67.7549% | 6,935 |
| Equity capital to assets | 9.6472% | 4,999 |
| Core capital (leverage) ratio | 9.5336% | 4,220 |
| Tier 1 risk-based capital ratio | 17.5293% | 2,533 |
| Total risk-based capital ratio | 18.7898% | 2,493 |
| Memoranda: | ||
| Average total assets | $311,858,000 | 2,085 |
| Average earning assets | $291,091,750 | 2,052 |
| Average equity | $29,478,000 | 2,301 |
| Average total loans | $256,384,750 | 1,628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 3,565 |
| Cost of funding earning assets | 1.1535% | 1,014 |
| Net interest margin | 3.3955% | 5,107 |
| Noninterest income to average assets | 0.1874% | 6,225 |
| Noninterest expense to average assets | 2.4813% | 5,203 |
| Loan and lease loss provision to assets | 0.2609% | 2,490 |
| Net operating income to assets | 0.4202% | 5,148 |
| Return on assets (ROA) | 0.4638% | 5,226 |
| Pretax return on assets | 0.6712% | 4,909 |
| Return on Equity (ROE) | 4.9411% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.9411% | 3,308 |
| Net charge-offs to loans | 0.1658% | 3,613 |
| Credit loss provision to net charge-offs | 191.0377% | 1,482 |
| Earnings coverage of net charge-offs (x) | 6.3632% | 2,650 |
| Efficiency ratio | 74.0627% | 3,064 |
| Assets per employee ($millions) | 5.5016% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,824 |
| Loan loss allowance to noncurrent loans | 290.4341% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 5,627 |
| Noncurrent loans to loans | 0.5300% | 5,462 |
| Net loans and leases to total assets | 80.5097% | 449 |
| Net loans and leases to deposits | 118.5532% | 77 |
| Net loans and leases to core deposits | 126.9820% | 237 |
| Total domestic deposits to total assets | 67.9102% | 6,998 |
| Equity capital to assets | 9.5034% | 5,055 |
| Core capital (leverage) ratio | 9.4460% | 4,219 |
| Tier 1 risk-based capital ratio | 17.3733% | 2,518 |
| Total risk-based capital ratio | 18.6385% | 2,477 |
| Memoranda: | ||
| Average total assets | $310,488,330 | 2,090 |
| Average earning assets | $289,208,330 | 2,060 |
| Average equity | $29,143,330 | 2,314 |
| Average total loans | $255,683,670 | 1,630 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 3,506 |
| Cost of funding earning assets | 1.1660% | 1,125 |
| Net interest margin | 3.4326% | 4,988 |
| Noninterest income to average assets | 0.4985% | 3,920 |
| Noninterest expense to average assets | 2.5507% | 4,988 |
| Loan and lease loss provision to assets | 0.2913% | 2,138 |
| Net operating income to assets | 0.6577% | 4,090 |
| Return on assets (ROA) | 0.6577% | 4,300 |
| Pretax return on assets | 0.8545% | 4,214 |
| Return on Equity (ROE) | 7.0521% | 3,757 |
| Retained earnings to average equity (ytd only) | 7.0521% | 2,407 |
| Net charge-offs to loans | 0.3290% | 2,336 |
| Credit loss provision to net charge-offs | 107.1429% | 2,171 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 2,632 |
| Efficiency ratio | 69.0018% | 3,982 |
| Assets per employee ($millions) | 5.5850% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 4,448 |
| Loan loss allowance to noncurrent loans | 344.2991% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 5,928 |
| Noncurrent loans to loans | 0.4168% | 5,836 |
| Net loans and leases to total assets | 80.9013% | 341 |
| Net loans and leases to deposits | 123.6644% | 59 |
| Net loans and leases to core deposits | 132.7287% | 180 |
| Total domestic deposits to total assets | 65.4200% | 7,120 |
| Equity capital to assets | 9.4421% | 4,882 |
| Core capital (leverage) ratio | 9.3912% | 4,206 |
| Tier 1 risk-based capital ratio | 17.3289% | 2,538 |
| Total risk-based capital ratio | 18.5886% | 2,506 |
| Memoranda: | ||
| Average total assets | $308,936,500 | 2,108 |
| Average earning assets | $287,830,000 | 2,076 |
| Average equity | $28,814,000 | 2,334 |
| Average total loans | $255,316,000 | 1,631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 3,051 |
| Cost of funding earning assets | 1.2537% | 1,711 |
| Net interest margin | 3.7113% | 4,249 |
| Noninterest income to average assets | 0.3946% | 4,657 |
| Noninterest expense to average assets | 2.5228% | 5,394 |
| Loan and lease loss provision to assets | 0.3933% | 2,630 |
| Net operating income to assets | 0.6236% | 3,866 |
| Return on assets (ROA) | 0.6236% | 4,067 |
| Pretax return on assets | 0.8888% | 3,643 |
| Return on Equity (ROE) | 6.6526% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.6526% | 1,666 |
| Net charge-offs to loans | 0.3301% | 3,740 |
| Credit loss provision to net charge-offs | 140.7942% | 2,090 |
| Earnings coverage of net charge-offs (x) | 4.5897% | 3,054 |
| Efficiency ratio | 66.3044% | 4,708 |
| Assets per employee ($millions) | 5.4485% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,167 |
| Loan loss allowance to noncurrent loans | 207.4461% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 5,675 |
| Noncurrent loans to loans | 0.6029% | 5,512 |
| Net loans and leases to total assets | 82.1811% | 327 |
| Net loans and leases to deposits | 125.3711% | 66 |
| Net loans and leases to core deposits | 129.1260% | 244 |
| Total domestic deposits to total assets | 65.5503% | 7,139 |
| Equity capital to assets | 9.2087% | 5,271 |
| Core capital (leverage) ratio | 9.2057% | 4,454 |
| Tier 1 risk-based capital ratio | 14.5511% | 3,934 |
| Total risk-based capital ratio | 15.4650% | 4,125 |
| Memoranda: | ||
| Average total assets | $297,486,400 | 2,152 |
| Average earning assets | $273,354,400 | 2,143 |
| Average equity | $27,883,800 | 2,335 |
| Average total loans | $251,766,600 | 1,663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 2,978 |
| Cost of funding earning assets | 1.2668% | 1,889 |
| Net interest margin | 3.7571% | 4,079 |
| Noninterest income to average assets | 0.3911% | 4,733 |
| Noninterest expense to average assets | 2.5003% | 5,461 |
| Loan and lease loss provision to assets | 0.3654% | 2,667 |
| Net operating income to assets | 0.7019% | 3,613 |
| Return on assets (ROA) | 0.7019% | 3,776 |
| Pretax return on assets | 0.9743% | 3,503 |
| Return on Equity (ROE) | 7.4544% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.4544% | 1,732 |
| Net charge-offs to loans | 0.2664% | 3,776 |
| Credit loss provision to net charge-offs | 161.3546% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.9163% | 2,669 |
| Efficiency ratio | 65.1122% | 4,876 |
| Assets per employee ($millions) | 5.3236% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,289 |
| Loan loss allowance to noncurrent loans | 142.1148% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 5,218 |
| Noncurrent loans to loans | 0.8744% | 5,110 |
| Net loans and leases to total assets | 82.3733% | 326 |
| Net loans and leases to deposits | 126.0558% | 62 |
| Net loans and leases to core deposits | 129.7112% | 250 |
| Total domestic deposits to total assets | 65.3467% | 7,217 |
| Equity capital to assets | 9.4446% | 5,171 |
| Core capital (leverage) ratio | 9.4279% | 4,257 |
| Tier 1 risk-based capital ratio | 15.1709% | 3,564 |
| Total risk-based capital ratio | 16.0901% | 3,732 |
| Memoranda: | ||
| Average total assets | $295,579,500 | 2,170 |
| Average earning assets | $271,340,500 | 2,165 |
| Average equity | $27,830,500 | 2,342 |
| Average total loans | $251,227,750 | 1,679 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 2,780 |
| Cost of funding earning assets | 1.3098% | 1,881 |
| Net interest margin | 3.7687% | 3,947 |
| Noninterest income to average assets | 0.3175% | 5,358 |
| Noninterest expense to average assets | 2.5307% | 5,433 |
| Loan and lease loss provision to assets | 0.3687% | 2,583 |
| Net operating income to assets | 0.6410% | 3,848 |
| Return on assets (ROA) | 0.6410% | 3,971 |
| Pretax return on assets | 0.8732% | 3,745 |
| Return on Equity (ROE) | 6.8156% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.8156% | 1,962 |
| Net charge-offs to loans | 0.2753% | 3,510 |
| Credit loss provision to net charge-offs | 156.5217% | 1,945 |
| Earnings coverage of net charge-offs (x) | 5.2725% | 2,650 |
| Efficiency ratio | 67.0829% | 4,686 |
| Assets per employee ($millions) | 5.4045% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,498 |
| Loan loss allowance to noncurrent loans | 133.8631% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 5,148 |
| Noncurrent loans to loans | 0.9055% | 5,154 |
| Net loans and leases to total assets | 83.1329% | 295 |
| Net loans and leases to deposits | 128.3768% | 60 |
| Net loans and leases to core deposits | 128.5378% | 291 |
| Total domestic deposits to total assets | 64.7569% | 7,295 |
| Equity capital to assets | 9.4215% | 4,938 |
| Core capital (leverage) ratio | 9.4166% | 4,078 |
| Tier 1 risk-based capital ratio | 14.9037% | 3,544 |
| Total risk-based capital ratio | 15.7663% | 3,752 |
| Memoranda: | ||
| Average total assets | $292,958,330 | 2,194 |
| Average earning assets | $268,580,670 | 2,194 |
| Average equity | $27,554,330 | 2,342 |
| Average total loans | $250,603,330 | 1,707 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 2,713 |
| Cost of funding earning assets | 1.3412% | 1,941 |
| Net interest margin | 3.7442% | 3,875 |
| Noninterest income to average assets | 0.3714% | 4,937 |
| Noninterest expense to average assets | 2.4400% | 5,767 |
| Loan and lease loss provision to assets | 0.3714% | 2,331 |
| Net operating income to assets | 0.7469% | 3,289 |
| Return on assets (ROA) | 0.7469% | 3,353 |
| Pretax return on assets | 0.9889% | 3,164 |
| Return on Equity (ROE) | 7.9476% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.9476% | 1,751 |
| Net charge-offs to loans | -0.0287% | 6,701 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2056% | 5,328 |
| Assets per employee ($millions) | 5.0988% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,413 |
| Loan loss allowance to noncurrent loans | 108.3189% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 4,923 |
| Noncurrent loans to loans | 1.1512% | 4,772 |
| Net loans and leases to total assets | 85.1520% | 173 |
| Net loans and leases to deposits | 129.0494% | 60 |
| Net loans and leases to core deposits | 129.0494% | 279 |
| Total domestic deposits to total assets | 65.9840% | 7,328 |
| Equity capital to assets | 9.4986% | 4,438 |
| Core capital (leverage) ratio | 9.4899% | 3,823 |
| Tier 1 risk-based capital ratio | 15.2500% | 3,288 |
| Total risk-based capital ratio | 16.5058% | 3,245 |
| Memoranda: | ||
| Average total assets | $290,814,000 | 2,223 |
| Average earning assets | $266,334,000 | 2,224 |
| Average equity | $27,329,000 | 2,349 |
| Average total loans | $250,834,000 | 1,724 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 3,356 |
| Cost of funding earning assets | 1.4956% | 2,667 |
| Net interest margin | 3.7556% | 4,128 |
| Noninterest income to average assets | 0.4286% | 4,685 |
| Noninterest expense to average assets | 2.6477% | 5,228 |
| Loan and lease loss provision to assets | 0.3701% | 3,906 |
| Net operating income to assets | 0.6251% | 3,562 |
| Return on assets (ROA) | 0.6251% | 3,725 |
| Pretax return on assets | 0.8607% | 3,438 |
| Return on Equity (ROE) | 6.9637% | 3,142 |
| Retained earnings to average equity (ytd only) | 6.9637% | 1,344 |
| Net charge-offs to loans | 0.5881% | 3,271 |
| Credit loss provision to net charge-offs | 73.7381% | 5,767 |
| Earnings coverage of net charge-offs (x) | 2.4523% | 3,901 |
| Efficiency ratio | 68.2673% | 4,507 |
| Assets per employee ($millions) | 5.1052% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,823 |
| Loan loss allowance to noncurrent loans | 90.2129% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,844 |
| Noncurrent loans to loans | 1.2535% | 4,626 |
| Net loans and leases to total assets | 85.3019% | 218 |
| Net loans and leases to deposits | 128.6652% | 72 |
| Net loans and leases to core deposits | 128.9687% | 346 |
| Total domestic deposits to total assets | 66.2976% | 7,380 |
| Equity capital to assets | 9.2963% | 4,696 |
| Core capital (leverage) ratio | 9.2910% | 4,020 |
| Tier 1 risk-based capital ratio | 14.7579% | 3,393 |
| Total risk-based capital ratio | 16.0118% | 3,346 |
| Memoranda: | ||
| Average total assets | $292,102,600 | 2,200 |
| Average earning assets | $268,318,000 | 2,193 |
| Average equity | $26,221,600 | 2,435 |
| Average total loans | $249,267,400 | 1,765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 3,341 |
| Cost of funding earning assets | 1.5111% | 2,908 |
| Net interest margin | 3.7920% | 3,998 |
| Noninterest income to average assets | 0.4100% | 4,877 |
| Noninterest expense to average assets | 2.6440% | 5,140 |
| Loan and lease loss provision to assets | 0.3698% | 3,680 |
| Net operating income to assets | 0.6535% | 3,628 |
| Return on assets (ROA) | 0.6535% | 3,800 |
| Pretax return on assets | 0.8806% | 3,623 |
| Return on Equity (ROE) | 7.3446% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.3446% | 1,674 |
| Net charge-offs to loans | 0.3274% | 4,025 |
| Credit loss provision to net charge-offs | 132.7332% | 3,043 |
| Earnings coverage of net charge-offs (x) | 4.4877% | 3,031 |
| Efficiency ratio | 67.8923% | 4,482 |
| Assets per employee ($millions) | 5.0193% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,514 |
| Loan loss allowance to noncurrent loans | 127.0030% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 5,174 |
| Noncurrent loans to loans | 1.0954% | 5,051 |
| Net loans and leases to total assets | 84.8302% | 276 |
| Net loans and leases to deposits | 121.8734% | 103 |
| Net loans and leases to core deposits | 129.4552% | 388 |
| Total domestic deposits to total assets | 69.6051% | 7,291 |
| Equity capital to assets | 9.3824% | 5,010 |
| Core capital (leverage) ratio | 9.3186% | 4,181 |
| Tier 1 risk-based capital ratio | 14.5766% | 3,471 |
| Total risk-based capital ratio | 15.8344% | 3,434 |
| Memoranda: | ||
| Average total assets | $292,379,000 | 2,229 |
| Average earning assets | $268,664,750 | 2,226 |
| Average equity | $26,014,000 | 2,496 |
| Average total loans | $248,818,000 | 1,788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 3,285 |
| Cost of funding earning assets | 1.5007% | 3,256 |
| Net interest margin | 3.8352% | 3,735 |
| Noninterest income to average assets | 0.3803% | 5,081 |
| Noninterest expense to average assets | 2.7453% | 4,714 |
| Loan and lease loss provision to assets | 0.3674% | 3,504 |
| Net operating income to assets | 0.5990% | 3,885 |
| Return on assets (ROA) | 0.5990% | 4,020 |
| Pretax return on assets | 0.7946% | 3,903 |
| Return on Equity (ROE) | 6.8538% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.8538% | 1,901 |
| Net charge-offs to loans | 0.4894% | 3,074 |
| Credit loss provision to net charge-offs | 88.5434% | 4,461 |
| Earnings coverage of net charge-offs (x) | 2.8003% | 3,588 |
| Efficiency ratio | 70.2590% | 4,139 |
| Assets per employee ($millions) | 5.0064% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 5,016 |
| Loan loss allowance to noncurrent loans | 89.8518% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 4,611 |
| Noncurrent loans to loans | 1.4286% | 4,565 |
| Net loans and leases to total assets | 86.4612% | 196 |
| Net loans and leases to deposits | 117.3934% | 158 |
| Net loans and leases to core deposits | 135.1817% | 339 |
| Total domestic deposits to total assets | 73.6508% | 7,019 |
| Equity capital to assets | 9.3409% | 4,943 |
| Core capital (leverage) ratio | 9.3095% | 4,100 |
| Tier 1 risk-based capital ratio | 13.9009% | 3,799 |
| Total risk-based capital ratio | 15.1561% | 3,755 |
| Memoranda: | ||
| Average total assets | $294,471,670 | 2,238 |
| Average earning assets | $270,806,000 | 2,224 |
| Average equity | $25,737,670 | 2,510 |
| Average total loans | $249,716,000 | 1,818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 3,051 |
| Cost of funding earning assets | 1.4830% | 3,676 |
| Net interest margin | 3.9135% | 3,267 |
| Noninterest income to average assets | 0.4391% | 4,567 |
| Noninterest expense to average assets | 2.4780% | 5,812 |
| Loan and lease loss provision to assets | 0.3582% | 3,227 |
| Net operating income to assets | 0.8716% | 2,666 |
| Return on assets (ROA) | 0.8716% | 2,749 |
| Pretax return on assets | 1.2085% | 2,337 |
| Return on Equity (ROE) | 10.3008% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.3008% | 1,083 |
| Net charge-offs to loans | 0.7848% | 1,954 |
| Credit loss provision to net charge-offs | 54.6559% | 4,408 |
| Earnings coverage of net charge-offs (x) | 2.3907% | 3,346 |
| Efficiency ratio | 61.2660% | 5,949 |
| Assets per employee ($millions) | 4.9507% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 5,474 |
| Loan loss allowance to noncurrent loans | 97.9418% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 5,022 |
| Noncurrent loans to loans | 1.2310% | 4,917 |
| Net loans and leases to total assets | 84.1064% | 360 |
| Net loans and leases to deposits | 122.8015% | 116 |
| Net loans and leases to core deposits | 136.7831% | 374 |
| Total domestic deposits to total assets | 68.4897% | 7,503 |
| Equity capital to assets | 8.8705% | 5,445 |
| Core capital (leverage) ratio | 8.8574% | 4,784 |
| Tier 1 risk-based capital ratio | 13.4613% | 4,017 |
| Total risk-based capital ratio | 14.7150% | 3,975 |
| Memoranda: | ||
| Average total assets | $301,528,500 | 2,243 |
| Average earning assets | $277,809,500 | 2,223 |
| Average equity | $25,512,500 | 2,564 |
| Average total loans | $251,797,500 | 1,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 3,802 |
| Cost of funding earning assets | 1.7328% | 4,348 |
| Net interest margin | 3.8289% | 3,585 |
| Noninterest income to average assets | 0.4204% | 5,048 |
| Noninterest expense to average assets | 2.6550% | 5,576 |
| Loan and lease loss provision to assets | 0.5522% | 3,609 |
| Net operating income to assets | 0.5493% | 3,531 |
| Return on assets (ROA) | 0.7815% | 2,691 |
| Pretax return on assets | 1.0724% | 2,335 |
| Return on Equity (ROE) | 9.5028% | 1,856 |
| Retained earnings to average equity (ytd only) | 9.5028% | 427 |
| Net charge-offs to loans | 0.1715% | 5,577 |
| Credit loss provision to net charge-offs | 395.0739% | 803 |
| Earnings coverage of net charge-offs (x) | 9.3473% | 1,815 |
| Efficiency ratio | 67.0201% | 5,175 |
| Assets per employee ($millions) | 5.3615% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,971 |
| Loan loss allowance to noncurrent loans | 93.8246% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 4,809 |
| Noncurrent loans to loans | 1.3466% | 4,676 |
| Net loans and leases to total assets | 80.9442% | 844 |
| Net loans and leases to deposits | 136.0054% | 69 |
| Net loans and leases to core deposits | 162.3116% | 316 |
| Total domestic deposits to total assets | 59.5154% | 7,811 |
| Equity capital to assets | 8.0765% | 6,497 |
| Core capital (leverage) ratio | 8.1078% | 5,977 |
| Tier 1 risk-based capital ratio | 12.6133% | 4,432 |
| Total risk-based capital ratio | 13.8631% | 4,373 |
| Memoranda: | ||
| Average total assets | $290,465,800 | 2,276 |
| Average earning assets | $268,640,800 | 2,249 |
| Average equity | $23,887,800 | 2,735 |
| Average total loans | $236,757,800 | 1,981 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 3,697 |
| Cost of funding earning assets | 1.7988% | 4,388 |
| Net interest margin | 3.8304% | 3,524 |
| Noninterest income to average assets | 0.4327% | 5,022 |
| Noninterest expense to average assets | 2.7335% | 5,175 |
| Loan and lease loss provision to assets | 0.4958% | 3,416 |
| Net operating income to assets | 0.5428% | 3,820 |
| Return on assets (ROA) | 0.8537% | 2,665 |
| Pretax return on assets | 1.1803% | 2,324 |
| Return on Equity (ROE) | 10.3301% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.3301% | 575 |
| Net charge-offs to loans | 0.1677% | 5,049 |
| Credit loss provision to net charge-offs | 363.3562% | 1,121 |
| Earnings coverage of net charge-offs (x) | 9.1200% | 2,148 |
| Efficiency ratio | 68.7184% | 4,840 |
| Assets per employee ($millions) | 5.2532% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,513 |
| Loan loss allowance to noncurrent loans | 148.8806% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 5,803 |
| Noncurrent loans to loans | 0.7619% | 5,785 |
| Net loans and leases to total assets | 79.8991% | 1,187 |
| Net loans and leases to deposits | 133.1286% | 92 |
| Net loans and leases to core deposits | 158.0609% | 414 |
| Total domestic deposits to total assets | 60.0165% | 7,876 |
| Equity capital to assets | 8.1170% | 6,723 |
| Core capital (leverage) ratio | 8.1311% | 6,135 |
| Tier 1 risk-based capital ratio | 12.6837% | 4,402 |
| Total risk-based capital ratio | 13.9332% | 4,358 |
| Memoranda: | ||
| Average total assets | $285,341,000 | 2,324 |
| Average earning assets | $264,090,750 | 2,302 |
| Average equity | $23,581,000 | 2,799 |
| Average total loans | $232,215,000 | 2,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7421% | 3,330 |
| Cost of funding earning assets | 1.8654% | 4,441 |
| Net interest margin | 3.8767% | 3,222 |
| Noninterest income to average assets | 0.4733% | 4,688 |
| Noninterest expense to average assets | 2.8735% | 4,609 |
| Loan and lease loss provision to assets | 0.3492% | 3,831 |
| Net operating income to assets | 0.5902% | 3,717 |
| Return on assets (ROA) | 1.0606% | 1,987 |
| Pretax return on assets | 1.4959% | 1,452 |
| Return on Equity (ROE) | 12.7513% | 1,230 |
| Retained earnings to average equity (ytd only) | 12.7513% | 353 |
| Net charge-offs to loans | -0.0387% | 7,810 |
| Credit loss provision to net charge-offs | -1,106.8182% | 7,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8451% | 4,617 |
| Assets per employee ($millions) | 5.2502% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,798 |
| Loan loss allowance to noncurrent loans | 124.7559% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 5,664 |
| Noncurrent loans to loans | 0.8560% | 5,506 |
| Net loans and leases to total assets | 80.5072% | 1,225 |
| Net loans and leases to deposits | 134.8027% | 96 |
| Net loans and leases to core deposits | 162.1288% | 420 |
| Total domestic deposits to total assets | 59.7223% | 7,937 |
| Equity capital to assets | 8.1524% | 6,557 |
| Core capital (leverage) ratio | 8.3771% | 5,661 |
| Tier 1 risk-based capital ratio | 13.0651% | 4,094 |
| Total risk-based capital ratio | 14.3166% | 4,016 |
| Memoranda: | ||
| Average total assets | $278,893,670 | 2,385 |
| Average earning assets | $257,743,330 | 2,374 |
| Average equity | $23,197,670 | 2,848 |
| Average total loans | $227,542,670 | 2,102 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9345% | 2,626 |
| Cost of funding earning assets | 1.9302% | 4,489 |
| Net interest margin | 4.0043% | 2,622 |
| Noninterest income to average assets | 0.4526% | 4,744 |
| Noninterest expense to average assets | 2.4339% | 6,081 |
| Loan and lease loss provision to assets | 0.2654% | 3,843 |
| Net operating income to assets | 1.0540% | 2,121 |
| Return on assets (ROA) | 1.0540% | 2,254 |
| Pretax return on assets | 1.4477% | 1,821 |
| Return on Equity (ROE) | 12.5373% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.5373% | 704 |
| Net charge-offs to loans | -0.0866% | 7,839 |
| Credit loss provision to net charge-offs | -375.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6918% | 6,591 |
| Assets per employee ($millions) | 5.0253% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,249 |
| Loan loss allowance to noncurrent loans | 177.1226% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 6,104 |
| Noncurrent loans to loans | 0.5600% | 6,013 |
| Net loans and leases to total assets | 81.3741% | 1,124 |
| Net loans and leases to deposits | 130.3116% | 144 |
| Net loans and leases to core deposits | 154.7933% | 586 |
| Total domestic deposits to total assets | 62.4458% | 7,897 |
| Equity capital to assets | 8.3925% | 6,243 |
| Core capital (leverage) ratio | 8.6217% | 5,298 |
| Tier 1 risk-based capital ratio | 13.3754% | 3,938 |
| Total risk-based capital ratio | 14.6255% | 3,853 |
| Memoranda: | ||
| Average total assets | $271,335,000 | 2,450 |
| Average earning assets | $250,333,500 | 2,443 |
| Average equity | $22,812,000 | 2,891 |
| Average total loans | $221,686,500 | 2,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5520% | 2,708 |
| Cost of funding earning assets | 2.4649% | 4,393 |
| Net interest margin | 4.0870% | 2,772 |
| Noninterest income to average assets | 0.4564% | 4,991 |
| Noninterest expense to average assets | 2.5680% | 5,757 |
| Loan and lease loss provision to assets | 0.1856% | 5,035 |
| Net operating income to assets | 1.1963% | 1,780 |
| Return on assets (ROA) | 0.8892% | 2,885 |
| Pretax return on assets | 1.0801% | 3,098 |
| Return on Equity (ROE) | 10.1640% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.1640% | 426 |
| Net charge-offs to loans | 0.1529% | 4,671 |
| Credit loss provision to net charge-offs | 145.3968% | 3,629 |
| Earnings coverage of net charge-offs (x) | 12.8476% | 2,196 |
| Efficiency ratio | 61.0228% | 6,158 |
| Assets per employee ($millions) | 5.0242% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 6,469 |
| Loan loss allowance to noncurrent loans | 105.0337% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 5,057 |
| Noncurrent loans to loans | 0.8913% | 4,839 |
| Net loans and leases to total assets | 80.4364% | 1,563 |
| Net loans and leases to deposits | 135.7945% | 142 |
| Net loans and leases to core deposits | 164.2140% | 504 |
| Total domestic deposits to total assets | 59.2339% | 7,986 |
| Equity capital to assets | 8.4227% | 6,218 |
| Core capital (leverage) ratio | 8.6773% | 5,240 |
| Tier 1 risk-based capital ratio | 13.4020% | 3,871 |
| Total risk-based capital ratio | 14.5708% | 3,821 |
| Memoranda: | ||
| Average total assets | $246,729,800 | 2,589 |
| Average earning assets | $226,496,600 | 2,582 |
| Average equity | $21,586,000 | 3,029 |
| Average total loans | $206,057,000 | 2,240 |