Home > The First National Bank of Monterey > Performance and Condition Ratios
The First National Bank of Monterey, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 3,457 |
| Cost of funding earning assets | 1.9586% | 980 |
| Net interest margin | 2.3286% | 4,238 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.8431% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6300% | 3,363 |
| Return on assets (ROA) | 0.6291% | 3,342 |
| Pretax return on assets | 0.6804% | 3,476 |
| Return on Equity (ROE) | 7.0000% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.2387% | 2,514 |
| Net charge-offs to loans | -0.0136% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.0097% | 1,556 |
| Assets per employee ($millions) | 9.9717% | 712 |
| Cash dividends to net income (ytd only)* | 25.2118% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 275 |
| Loan loss allowance to noncurrent loans | 613.8639% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,226 |
| Noncurrent loans to loans | 0.3597% | 1,907 |
| Net loans and leases to total assets | 54.4600% | 3,317 |
| Net loans and leases to deposits | 61.4039% | 3,444 |
| Net loans and leases to core deposits | 65.3466% | 3,527 |
| Total domestic deposits to total assets | 88.6900% | 1,161 |
| Equity capital to assets | 9.6962% | 2,203 |
| Core capital (leverage) ratio | 13.5615% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $394,056,800 | 2,032 |
| Average earning assets | $374,342,800 | 1,995 |
| Average equity | $35,390,200 | 2,044 |
| Average total loans | $212,653,200 | 2,209 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 3,521 |
| Cost of funding earning assets | 1.7896% | 1,025 |
| Net interest margin | 2.3825% | 4,250 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.8340% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7219% | 3,250 |
| Return on assets (ROA) | 0.7207% | 3,240 |
| Pretax return on assets | 0.7868% | 3,364 |
| Return on Equity (ROE) | 8.1900% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.1850% | 1,893 |
| Net charge-offs to loans | 0.0025% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 584.2500% | 268 |
| Efficiency ratio | 69.9421% | 1,791 |
| Assets per employee ($millions) | 8.6474% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 293 |
| Loan loss allowance to noncurrent loans | 735.1393% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,454 |
| Noncurrent loans to loans | 0.2993% | 2,158 |
| Net loans and leases to total assets | 55.4800% | 3,251 |
| Net loans and leases to deposits | 62.0438% | 3,400 |
| Net loans and leases to core deposits | 66.4196% | 3,405 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 8.8287% | 2,520 |
| Core capital (leverage) ratio | 13.7776% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $395,347,250 | 2,024 |
| Average earning assets | $375,564,000 | 1,991 |
| Average equity | $34,810,750 | 2,056 |
| Average total loans | $211,674,750 | 2,216 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,581 |
| Cost of funding earning assets | 1.5987% | 1,073 |
| Net interest margin | 2.4522% | 4,259 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.7941% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8872% | 2,804 |
| Return on assets (ROA) | 0.8853% | 2,797 |
| Pretax return on assets | 0.9783% | 2,975 |
| Return on Equity (ROE) | 10.0600% | 2,683 |
| Retained earnings to average equity (ytd only) | 10.0633% | 1,388 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.6677% | 2,413 |
| Assets per employee ($millions) | 8.9762% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2790% | 275 |
| Loan loss allowance to noncurrent loans | 853.3214% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,540 |
| Noncurrent loans to loans | 0.2671% | 2,204 |
| Net loans and leases to total assets | 52.8000% | 3,351 |
| Net loans and leases to deposits | 59.2808% | 3,463 |
| Net loans and leases to core deposits | 63.0798% | 3,496 |
| Total domestic deposits to total assets | 89.0700% | 1,236 |
| Equity capital to assets | 9.2465% | 2,350 |
| Core capital (leverage) ratio | 13.4605% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $400,301,000 | 2,013 |
| Average earning assets | $381,049,000 | 1,976 |
| Average equity | $35,217,000 | 2,053 |
| Average total loans | $210,287,333 | 2,220 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 3,623 |
| Cost of funding earning assets | 1.3956% | 1,032 |
| Net interest margin | 2.5295% | 4,276 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.8475% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0665% | 2,329 |
| Return on assets (ROA) | 1.0632% | 2,312 |
| Pretax return on assets | 1.2634% | 2,272 |
| Return on Equity (ROE) | 12.3800% | 2,119 |
| Retained earnings to average equity (ytd only) | 12.3839% | 1,196 |
| Net charge-offs to loans | 0.0038% | 1,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 645.5000% | 177 |
| Efficiency ratio | 59.3130% | 3,043 |
| Assets per employee ($millions) | 8.2844% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3211% | 272 |
| Loan loss allowance to noncurrent loans | 2,375.5000% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,284 |
| Noncurrent loans to loans | 0.0977% | 3,056 |
| Net loans and leases to total assets | 50.2800% | 3,471 |
| Net loans and leases to deposits | 57.0629% | 3,505 |
| Net loans and leases to core deposits | 60.2872% | 3,528 |
| Total domestic deposits to total assets | 88.1100% | 1,894 |
| Equity capital to assets | 8.9960% | 2,521 |
| Core capital (leverage) ratio | 12.7513% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $407,464,000 | 2,016 |
| Average earning assets | $388,373,500 | 1,974 |
| Average equity | $34,981,000 | 2,080 |
| Average total loans | $211,152,500 | 2,232 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 3,387 |
| Cost of funding earning assets | 0.6900% | 605 |
| Net interest margin | 2.6932% | 4,063 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.8500% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7612% | 3,451 |
| Return on assets (ROA) | 0.7644% | 3,382 |
| Pretax return on assets | 0.8914% | 3,385 |
| Return on Equity (ROE) | 8.1700% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.5217% | 2,444 |
| Net charge-offs to loans | 0.0442% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 40.4607% | 1,503 |
| Efficiency ratio | 67.5761% | 2,012 |
| Assets per employee ($millions) | 8.3455% | 1,170 |
| Cash dividends to net income (ytd only)* | 20.1548% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 315 |
| Loan loss allowance to noncurrent loans | 1,212.5000% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 2,892 |
| Noncurrent loans to loans | 0.1801% | 2,583 |
| Net loans and leases to total assets | 51.0100% | 3,430 |
| Net loans and leases to deposits | 59.6467% | 3,349 |
| Net loans and leases to core deposits | 62.5765% | 3,355 |
| Total domestic deposits to total assets | 85.5300% | 2,850 |
| Equity capital to assets | 8.1934% | 2,940 |
| Core capital (leverage) ratio | 12.2876% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $405,676,600 | 2,009 |
| Average earning assets | $387,116,000 | 1,957 |
| Average equity | $37,965,800 | 1,998 |
| Average total loans | $201,503,000 | 2,219 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2651% | 3,267 |
| Cost of funding earning assets | 0.5682% | 523 |
| Net interest margin | 2.6969% | 3,937 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8465% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7691% | 3,357 |
| Return on assets (ROA) | 0.7733% | 3,301 |
| Pretax return on assets | 0.9047% | 3,300 |
| Return on Equity (ROE) | 8.0000% | 3,332 |
| Retained earnings to average equity (ytd only) | 8.0046% | 1,997 |
| Net charge-offs to loans | 0.0614% | 875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 29.8681% | 1,522 |
| Efficiency ratio | 67.2372% | 2,128 |
| Assets per employee ($millions) | 8.1793% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2812% | 303 |
| Loan loss allowance to noncurrent loans | 3,125.6579% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,536 |
| Noncurrent loans to loans | 0.0730% | 3,354 |
| Net loans and leases to total assets | 50.7800% | 3,399 |
| Net loans and leases to deposits | 57.8488% | 3,354 |
| Net loans and leases to core deposits | 61.0507% | 3,300 |
| Total domestic deposits to total assets | 87.7800% | 2,493 |
| Equity capital to assets | 8.0442% | 2,867 |
| Core capital (leverage) ratio | 12.5416% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $402,777,000 | 2,033 |
| Average earning assets | $384,585,500 | 1,985 |
| Average equity | $38,910,000 | 1,987 |
| Average total loans | $197,474,500 | 2,247 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1180% | 3,261 |
| Cost of funding earning assets | 0.5157% | 474 |
| Net interest margin | 2.6023% | 3,906 |
| Noninterest income to average assets | 0.1710% | 4,153 |
| Noninterest expense to average assets | 1.8526% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6993% | 3,312 |
| Return on assets (ROA) | 0.7074% | 3,239 |
| Pretax return on assets | 0.8195% | 3,273 |
| Return on Equity (ROE) | 6.9384% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.9384% | 2,009 |
| Net charge-offs to loans | -0.0010% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5774% | 2,019 |
| Assets per employee ($millions) | 7.9980% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4515% | 275 |
| Loan loss allowance to noncurrent loans | 1,593.0921% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,107 |
| Noncurrent loans to loans | 0.1539% | 2,923 |
| Net loans and leases to total assets | 48.1893% | 3,536 |
| Net loans and leases to deposits | 52.8845% | 3,617 |
| Net loans and leases to core deposits | 55.4722% | 3,614 |
| Total domestic deposits to total assets | 91.1218% | 1,174 |
| Equity capital to assets | 8.5188% | 2,748 |
| Core capital (leverage) ratio | 12.1798% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,440,667 | 2,041 |
| Average earning assets | $386,272,333 | 1,996 |
| Average equity | $41,133,333 | 1,948 |
| Average total loans | $193,876,333 | 2,273 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9697% | 3,343 |
| Cost of funding earning assets | 0.5013% | 490 |
| Net interest margin | 2.4684% | 3,958 |
| Noninterest income to average assets | 0.1708% | 4,142 |
| Noninterest expense to average assets | 1.8252% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6273% | 3,309 |
| Return on assets (ROA) | 0.6436% | 3,234 |
| Pretax return on assets | 0.7364% | 3,287 |
| Return on Equity (ROE) | 5.8388% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.8388% | 2,299 |
| Net charge-offs to loans | -0.0083% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7780% | 2,006 |
| Assets per employee ($millions) | 7.9915% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5861% | 264 |
| Loan loss allowance to noncurrent loans | 993.0328% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,773 |
| Noncurrent loans to loans | 0.2604% | 2,543 |
| Net loans and leases to total assets | 44.7876% | 3,678 |
| Net loans and leases to deposits | 50.0609% | 3,726 |
| Net loans and leases to core deposits | 53.0142% | 3,661 |
| Total domestic deposits to total assets | 89.4663% | 1,833 |
| Equity capital to assets | 10.1831% | 1,768 |
| Core capital (leverage) ratio | 11.7685% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,210,000 | 2,035 |
| Average earning assets | $389,402,500 | 1,991 |
| Average equity | $44,666,500 | 1,902 |
| Average total loans | $192,038,000 | 2,284 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 2,853 |
| Cost of funding earning assets | 0.5927% | 561 |
| Net interest margin | 2.8374% | 3,590 |
| Noninterest income to average assets | 0.1567% | 4,364 |
| Noninterest expense to average assets | 1.8761% | 3,980 |
| Loan and lease loss provision to assets | 0.0104% | 2,873 |
| Net operating income to assets | 0.8374% | 3,216 |
| Return on assets (ROA) | 0.8949% | 3,119 |
| Pretax return on assets | 1.0666% | 3,078 |
| Return on Equity (ROE) | 7.1978% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.7165% | 2,468 |
| Net charge-offs to loans | 0.0035% | 2,489 |
| Credit loss provision to net charge-offs | 571.4286% | 745 |
| Earnings coverage of net charge-offs (x) | 555.4286% | 253 |
| Efficiency ratio | 65.0391% | 2,395 |
| Assets per employee ($millions) | 7.3246% | 1,706 |
| Cash dividends to net income (ytd only)* | 20.5797% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4617% | 294 |
| Loan loss allowance to noncurrent loans | 819.2893% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,719 |
| Noncurrent loans to loans | 0.3005% | 2,519 |
| Net loans and leases to total assets | 47.6225% | 3,529 |
| Net loans and leases to deposits | 54.2143% | 3,584 |
| Net loans and leases to core deposits | 58.0050% | 3,474 |
| Total domestic deposits to total assets | 87.8412% | 2,128 |
| Equity capital to assets | 11.8728% | 1,307 |
| Core capital (leverage) ratio | 11.8186% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,528,400 | 2,038 |
| Average earning assets | $370,649,800 | 2,000 |
| Average equity | $47,931,200 | 1,823 |
| Average total loans | $202,868,400 | 2,216 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 2,766 |
| Cost of funding earning assets | 0.6139% | 596 |
| Net interest margin | 2.9057% | 3,539 |
| Noninterest income to average assets | 0.1570% | 4,414 |
| Noninterest expense to average assets | 1.8681% | 4,014 |
| Loan and lease loss provision to assets | 0.0139% | 2,717 |
| Net operating income to assets | 0.8895% | 3,277 |
| Return on assets (ROA) | 0.9514% | 3,159 |
| Pretax return on assets | 1.1423% | 3,095 |
| Return on Equity (ROE) | 7.5622% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.5622% | 2,199 |
| Net charge-offs to loans | 0.0020% | 2,324 |
| Credit loss provision to net charge-offs | 1,333.3333% | 437 |
| Earnings coverage of net charge-offs (x) | 1,031.0000% | 162 |
| Efficiency ratio | 63.3270% | 2,489 |
| Assets per employee ($millions) | 6.9741% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 328 |
| Loan loss allowance to noncurrent loans | 202.0008% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 1,183 |
| Noncurrent loans to loans | 1.1930% | 934 |
| Net loans and leases to total assets | 50.2481% | 3,388 |
| Net loans and leases to deposits | 57.7731% | 3,426 |
| Net loans and leases to core deposits | 61.9444% | 3,328 |
| Total domestic deposits to total assets | 86.9750% | 2,359 |
| Equity capital to assets | 12.5882% | 1,142 |
| Core capital (leverage) ratio | 12.0906% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,197,500 | 2,074 |
| Average earning assets | $366,401,750 | 2,036 |
| Average equity | $47,956,500 | 1,843 |
| Average total loans | $204,413,000 | 2,241 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 3,127 |
| Cost of funding earning assets | 0.6317% | 632 |
| Net interest margin | 2.7861% | 3,813 |
| Noninterest income to average assets | 0.1476% | 4,459 |
| Noninterest expense to average assets | 1.9546% | 3,826 |
| Loan and lease loss provision to assets | 0.0212% | 2,548 |
| Net operating income to assets | 0.7298% | 3,685 |
| Return on assets (ROA) | 0.7549% | 3,699 |
| Pretax return on assets | 0.8792% | 3,705 |
| Return on Equity (ROE) | 6.0016% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.0016% | 2,802 |
| Net charge-offs to loans | -0.0029% | 3,283 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1689% | 1,741 |
| Assets per employee ($millions) | 7.1608% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 324 |
| Loan loss allowance to noncurrent loans | 190.5734% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 1,190 |
| Noncurrent loans to loans | 1.2422% | 962 |
| Net loans and leases to total assets | 51.7505% | 3,370 |
| Net loans and leases to deposits | 59.3629% | 3,439 |
| Net loans and leases to core deposits | 63.5473% | 3,330 |
| Total domestic deposits to total assets | 87.1766% | 2,229 |
| Equity capital to assets | 12.4419% | 1,159 |
| Core capital (leverage) ratio | 12.0283% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,080,667 | 2,084 |
| Average earning assets | $363,447,000 | 2,043 |
| Average equity | $47,554,333 | 1,851 |
| Average total loans | $205,521,000 | 2,237 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 3,047 |
| Cost of funding earning assets | 0.6636% | 638 |
| Net interest margin | 2.7958% | 3,773 |
| Noninterest income to average assets | 0.1541% | 4,432 |
| Noninterest expense to average assets | 1.9423% | 3,876 |
| Loan and lease loss provision to assets | 0.0321% | 2,346 |
| Net operating income to assets | 0.7387% | 3,605 |
| Return on assets (ROA) | 0.7887% | 3,529 |
| Pretax return on assets | 0.9257% | 3,549 |
| Return on Equity (ROE) | 6.2357% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.2357% | 2,818 |
| Net charge-offs to loans | -0.0078% | 3,562 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3616% | 1,886 |
| Assets per employee ($millions) | 7.0149% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3916% | 309 |
| Loan loss allowance to noncurrent loans | 626.5201% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 2,954 |
| Noncurrent loans to loans | 0.3817% | 2,724 |
| Net loans and leases to total assets | 52.1786% | 3,431 |
| Net loans and leases to deposits | 59.8437% | 3,501 |
| Net loans and leases to core deposits | 63.3143% | 3,473 |
| Total domestic deposits to total assets | 87.1914% | 2,233 |
| Equity capital to assets | 12.3997% | 1,117 |
| Core capital (leverage) ratio | 12.1929% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,779,000 | 2,090 |
| Average earning assets | $359,252,000 | 2,046 |
| Average equity | $47,276,000 | 1,848 |
| Average total loans | $205,800,000 | 2,240 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 2,408 |
| Cost of funding earning assets | 0.8996% | 862 |
| Net interest margin | 3.2059% | 3,343 |
| Noninterest income to average assets | 0.1177% | 4,681 |
| Noninterest expense to average assets | 2.1005% | 3,938 |
| Loan and lease loss provision to assets | 0.0231% | 4,112 |
| Net operating income to assets | 0.8561% | 2,880 |
| Return on assets (ROA) | 0.8854% | 2,900 |
| Pretax return on assets | 1.0907% | 2,733 |
| Return on Equity (ROE) | 6.7610% | 3,299 |
| Retained earnings to average equity (ytd only) | 5.1928% | 2,190 |
| Net charge-offs to loans | -0.0009% | 3,938 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0903% | 2,516 |
| Assets per employee ($millions) | 6.9576% | 1,611 |
| Cash dividends to net income (ytd only)* | 23.1950% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2998% | 351 |
| Loan loss allowance to noncurrent loans | 599.6259% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 3,030 |
| Noncurrent loans to loans | 0.3835% | 2,832 |
| Net loans and leases to total assets | 55.4011% | 3,353 |
| Net loans and leases to deposits | 64.8911% | 3,367 |
| Net loans and leases to core deposits | 68.7225% | 3,354 |
| Total domestic deposits to total assets | 85.3755% | 2,623 |
| Equity capital to assets | 12.9033% | 1,129 |
| Core capital (leverage) ratio | 12.1604% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,734,400 | 2,072 |
| Average earning assets | $330,047,000 | 2,023 |
| Average equity | $45,274,600 | 1,840 |
| Average total loans | $211,007,000 | 2,157 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,557 |
| Cost of funding earning assets | 0.9457% | 916 |
| Net interest margin | 3.1936% | 3,502 |
| Noninterest income to average assets | 0.2031% | 4,256 |
| Noninterest expense to average assets | 2.1711% | 3,746 |
| Loan and lease loss provision to assets | 0.0197% | 4,089 |
| Net operating income to assets | 0.8482% | 2,914 |
| Return on assets (ROA) | 0.8855% | 2,874 |
| Pretax return on assets | 1.1040% | 2,734 |
| Return on Equity (ROE) | 6.7354% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.7354% | 1,803 |
| Net charge-offs to loans | 0.0006% | 3,223 |
| Credit loss provision to net charge-offs | 5,000.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 2,746.0000% | 31 |
| Efficiency ratio | 66.8438% | 2,340 |
| Assets per employee ($millions) | 6.6865% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2165% | 345 |
| Loan loss allowance to noncurrent loans | 655.1440% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 2,933 |
| Noncurrent loans to loans | 0.3383% | 3,066 |
| Net loans and leases to total assets | 59.4543% | 3,283 |
| Net loans and leases to deposits | 70.1583% | 3,304 |
| Net loans and leases to core deposits | 74.5138% | 3,285 |
| Total domestic deposits to total assets | 84.7431% | 2,534 |
| Equity capital to assets | 13.3299% | 1,057 |
| Core capital (leverage) ratio | 12.6686% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,980,250 | 2,080 |
| Average earning assets | $324,135,250 | 2,036 |
| Average equity | $44,698,000 | 1,850 |
| Average total loans | $211,483,500 | 2,154 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 2,776 |
| Cost of funding earning assets | 0.9982% | 991 |
| Net interest margin | 3.1980% | 3,676 |
| Noninterest income to average assets | 0.2160% | 4,192 |
| Noninterest expense to average assets | 2.2287% | 3,705 |
| Loan and lease loss provision to assets | 0.0119% | 4,071 |
| Net operating income to assets | 0.8244% | 2,963 |
| Return on assets (ROA) | 0.8515% | 2,976 |
| Pretax return on assets | 1.0562% | 2,853 |
| Return on Equity (ROE) | 6.5084% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.5084% | 1,856 |
| Net charge-offs to loans | -0.0010% | 3,747 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2940% | 2,199 |
| Assets per employee ($millions) | 6.6735% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 320 |
| Loan loss allowance to noncurrent loans | 545.7471% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,880 |
| Noncurrent loans to loans | 0.4082% | 2,944 |
| Net loans and leases to total assets | 60.0445% | 3,320 |
| Net loans and leases to deposits | 70.8242% | 3,358 |
| Net loans and leases to core deposits | 78.0860% | 3,097 |
| Total domestic deposits to total assets | 84.7796% | 2,480 |
| Equity capital to assets | 13.3335% | 1,029 |
| Core capital (leverage) ratio | 12.8432% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,179,333 | 2,071 |
| Average earning assets | $319,383,000 | 2,034 |
| Average equity | $43,851,000 | 1,860 |
| Average total loans | $210,154,000 | 2,150 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,848 |
| Cost of funding earning assets | 1.0728% | 1,128 |
| Net interest margin | 3.2502% | 3,727 |
| Noninterest income to average assets | 0.2648% | 3,949 |
| Noninterest expense to average assets | 2.2961% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8509% | 2,708 |
| Return on assets (ROA) | 0.8868% | 2,659 |
| Pretax return on assets | 1.1055% | 2,501 |
| Return on Equity (ROE) | 6.8478% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.8478% | 1,596 |
| Net charge-offs to loans | 0.0058% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 244 |
| Efficiency ratio | 68.4039% | 2,602 |
| Assets per employee ($millions) | 6.0763% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2710% | 341 |
| Loan loss allowance to noncurrent loans | 734.6812% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 3,228 |
| Noncurrent loans to loans | 0.3091% | 3,389 |
| Net loans and leases to total assets | 61.9548% | 3,302 |
| Net loans and leases to deposits | 72.6912% | 3,388 |
| Net loans and leases to core deposits | 80.2056% | 3,177 |
| Total domestic deposits to total assets | 85.2301% | 2,317 |
| Equity capital to assets | 12.8535% | 1,522 |
| Core capital (leverage) ratio | 13.0573% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,258,500 | 2,045 |
| Average earning assets | $313,208,500 | 2,009 |
| Average equity | $42,641,500 | 1,892 |
| Average total loans | $208,673,500 | 2,126 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 3,312 |
| Cost of funding earning assets | 1.2004% | 1,020 |
| Net interest margin | 3.1756% | 4,241 |
| Noninterest income to average assets | 0.1317% | 4,812 |
| Noninterest expense to average assets | 2.1522% | 4,263 |
| Loan and lease loss provision to assets | 0.0535% | 2,962 |
| Net operating income to assets | 0.8039% | 3,540 |
| Return on assets (ROA) | 0.8186% | 3,586 |
| Pretax return on assets | 0.9568% | 3,584 |
| Return on Equity (ROE) | 6.4983% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.9216% | 2,461 |
| Net charge-offs to loans | 0.0266% | 2,863 |
| Credit loss provision to net charge-offs | 318.1818% | 870 |
| Earnings coverage of net charge-offs (x) | 59.0909% | 991 |
| Efficiency ratio | 68.4251% | 2,401 |
| Assets per employee ($millions) | 6.1185% | 1,547 |
| Cash dividends to net income (ytd only)* | 24.2628% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2581% | 306 |
| Loan loss allowance to noncurrent loans | 680.1439% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 2,978 |
| Noncurrent loans to loans | 0.3320% | 3,251 |
| Net loans and leases to total assets | 61.9285% | 3,404 |
| Net loans and leases to deposits | 75.4431% | 3,228 |
| Net loans and leases to core deposits | 82.9566% | 3,044 |
| Total domestic deposits to total assets | 82.0864% | 3,491 |
| Equity capital to assets | 13.0473% | 1,490 |
| Core capital (leverage) ratio | 12.7279% | 1,361 |
| Tier 1 risk-based capital ratio | 18.5101% | 1,632 |
| Total risk-based capital ratio | 19.7702% | 1,598 |
| Memoranda: | ||
| Average total assets | $327,249,200 | 1,998 |
| Average earning assets | $310,553,600 | 1,965 |
| Average equity | $41,226,400 | 1,878 |
| Average total loans | $206,984,400 | 2,113 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 3,480 |
| Cost of funding earning assets | 1.2134% | 1,004 |
| Net interest margin | 3.1475% | 4,408 |
| Noninterest income to average assets | 0.2042% | 4,495 |
| Noninterest expense to average assets | 2.0947% | 4,372 |
| Loan and lease loss provision to assets | 0.0715% | 2,448 |
| Net operating income to assets | 0.8665% | 3,463 |
| Return on assets (ROA) | 0.8862% | 3,470 |
| Pretax return on assets | 1.0468% | 3,457 |
| Return on Equity (ROE) | 7.0990% | 3,638 |
| Retained earnings to average equity (ytd only) | 7.0990% | 1,820 |
| Net charge-offs to loans | -0.0071% | 4,294 |
| Credit loss provision to net charge-offs | -1,590.9091% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6722% | 2,775 |
| Assets per employee ($millions) | 6.1130% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 302 |
| Loan loss allowance to noncurrent loans | 507.1958% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 2,482 |
| Noncurrent loans to loans | 0.4476% | 2,963 |
| Net loans and leases to total assets | 62.5061% | 3,442 |
| Net loans and leases to deposits | 77.7229% | 3,129 |
| Net loans and leases to core deposits | 85.6460% | 2,938 |
| Total domestic deposits to total assets | 80.4218% | 3,885 |
| Equity capital to assets | 13.0814% | 1,582 |
| Core capital (leverage) ratio | 13.0367% | 1,324 |
| Tier 1 risk-based capital ratio | 17.4453% | 1,959 |
| Total risk-based capital ratio | 18.7040% | 1,925 |
| Memoranda: | ||
| Average total assets | $326,462,250 | 2,012 |
| Average earning assets | $309,651,250 | 1,977 |
| Average equity | $40,756,000 | 1,906 |
| Average total loans | $206,396,250 | 2,135 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 3,514 |
| Cost of funding earning assets | 1.2074% | 967 |
| Net interest margin | 3.1326% | 4,480 |
| Noninterest income to average assets | 0.2152% | 4,452 |
| Noninterest expense to average assets | 2.0975% | 4,421 |
| Loan and lease loss provision to assets | 0.0922% | 2,006 |
| Net operating income to assets | 0.8500% | 3,471 |
| Return on assets (ROA) | 0.8443% | 3,550 |
| Pretax return on assets | 0.9894% | 3,584 |
| Return on Equity (ROE) | 6.8741% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.8741% | 1,863 |
| Net charge-offs to loans | -0.0088% | 4,284 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8367% | 2,828 |
| Assets per employee ($millions) | 6.0850% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 291 |
| Loan loss allowance to noncurrent loans | 445.4206% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 2,567 |
| Noncurrent loans to loans | 0.5181% | 2,727 |
| Net loans and leases to total assets | 62.5579% | 3,487 |
| Net loans and leases to deposits | 77.8051% | 3,163 |
| Net loans and leases to core deposits | 81.8954% | 3,271 |
| Total domestic deposits to total assets | 80.4033% | 3,957 |
| Equity capital to assets | 13.0176% | 1,582 |
| Core capital (leverage) ratio | 12.7769% | 1,415 |
| Tier 1 risk-based capital ratio | 18.3476% | 1,710 |
| Total risk-based capital ratio | 19.6078% | 1,666 |
| Memoranda: | ||
| Average total assets | $325,249,000 | 2,025 |
| Average earning assets | $308,429,670 | 1,993 |
| Average equity | $39,947,330 | 1,933 |
| Average total loans | $204,819,330 | 2,154 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 3,543 |
| Cost of funding earning assets | 1.1339% | 1,080 |
| Net interest margin | 3.1691% | 4,461 |
| Noninterest income to average assets | 0.2621% | 4,135 |
| Noninterest expense to average assets | 2.1615% | 4,349 |
| Loan and lease loss provision to assets | 0.0918% | 1,886 |
| Net operating income to assets | 0.8604% | 3,402 |
| Return on assets (ROA) | 0.8646% | 3,430 |
| Pretax return on assets | 1.0152% | 3,396 |
| Return on Equity (ROE) | 7.2540% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.2540% | 1,949 |
| Net charge-offs to loans | -0.0333% | 4,687 |
| Credit loss provision to net charge-offs | -441.1765% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2289% | 2,913 |
| Assets per employee ($millions) | 6.2627% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3181% | 295 |
| Loan loss allowance to noncurrent loans | 281.4371% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 2,079 |
| Noncurrent loans to loans | 0.8237% | 1,998 |
| Net loans and leases to total assets | 60.8159% | 3,626 |
| Net loans and leases to deposits | 74.9091% | 3,365 |
| Net loans and leases to core deposits | 78.5392% | 3,482 |
| Total domestic deposits to total assets | 81.1862% | 3,933 |
| Equity capital to assets | 12.2471% | 1,877 |
| Core capital (leverage) ratio | 12.7092% | 1,395 |
| Tier 1 risk-based capital ratio | 17.6245% | 1,905 |
| Total risk-based capital ratio | 18.8838% | 1,858 |
| Memoranda: | ||
| Average total assets | $326,622,000 | 2,031 |
| Average earning assets | $309,363,000 | 2,004 |
| Average equity | $38,930,000 | 1,972 |
| Average total loans | $203,970,500 | 2,183 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 3,701 |
| Cost of funding earning assets | 0.8318% | 1,379 |
| Net interest margin | 3.2819% | 4,299 |
| Noninterest income to average assets | 0.0605% | 5,245 |
| Noninterest expense to average assets | 2.1910% | 4,362 |
| Loan and lease loss provision to assets | 0.0926% | 2,298 |
| Net operating income to assets | 0.7538% | 3,955 |
| Return on assets (ROA) | 0.7556% | 3,953 |
| Pretax return on assets | 0.8847% | 3,932 |
| Return on Equity (ROE) | 6.6051% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.8505% | 2,860 |
| Net charge-offs to loans | -0.0041% | 4,317 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1993% | 2,345 |
| Assets per employee ($millions) | 6.2940% | 1,323 |
| Cash dividends to net income (ytd only)* | 26.5631% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2453% | 306 |
| Loan loss allowance to noncurrent loans | 306.3165% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 2,123 |
| Noncurrent loans to loans | 0.7330% | 2,156 |
| Net loans and leases to total assets | 61.2858% | 3,630 |
| Net loans and leases to deposits | 74.7538% | 3,441 |
| Net loans and leases to core deposits | 77.7786% | 3,600 |
| Total domestic deposits to total assets | 81.9835% | 3,645 |
| Equity capital to assets | 11.5128% | 2,248 |
| Core capital (leverage) ratio | 12.0229% | 1,723 |
| Tier 1 risk-based capital ratio | 16.9628% | 2,082 |
| Total risk-based capital ratio | 18.2212% | 2,021 |
| Memoranda: | ||
| Average total assets | $323,827,400 | 2,029 |
| Average earning assets | $306,437,800 | 1,990 |
| Average equity | $37,047,400 | 1,983 |
| Average total loans | $196,080,800 | 2,202 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,794 |
| Cost of funding earning assets | 0.7644% | 1,512 |
| Net interest margin | 3.2827% | 4,332 |
| Noninterest income to average assets | 0.1775% | 4,896 |
| Noninterest expense to average assets | 2.2062% | 4,311 |
| Loan and lease loss provision to assets | 0.0929% | 2,121 |
| Net operating income to assets | 0.8249% | 3,822 |
| Return on assets (ROA) | 0.8273% | 3,827 |
| Pretax return on assets | 0.9875% | 3,754 |
| Return on Equity (ROE) | 7.2431% | 3,842 |
| Retained earnings to average equity (ytd only) | 7.2431% | 2,004 |
| Net charge-offs to loans | -0.0227% | 4,666 |
| Credit loss provision to net charge-offs | -681.8182% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1863% | 2,685 |
| Assets per employee ($millions) | 6.1307% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 347 |
| Loan loss allowance to noncurrent loans | 338.0564% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 2,059 |
| Noncurrent loans to loans | 0.6588% | 2,437 |
| Net loans and leases to total assets | 60.4308% | 3,801 |
| Net loans and leases to deposits | 74.2978% | 3,567 |
| Net loans and leases to core deposits | 77.1912% | 3,723 |
| Total domestic deposits to total assets | 81.3359% | 3,780 |
| Equity capital to assets | 11.1914% | 2,482 |
| Core capital (leverage) ratio | 12.4361% | 1,535 |
| Tier 1 risk-based capital ratio | 16.9956% | 2,110 |
| Total risk-based capital ratio | 18.2538% | 2,053 |
| Memoranda: | ||
| Average total assets | $322,962,250 | 2,041 |
| Average earning assets | $305,590,500 | 2,004 |
| Average equity | $36,889,250 | 1,989 |
| Average total loans | $193,804,000 | 2,225 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 3,751 |
| Cost of funding earning assets | 0.7235% | 1,503 |
| Net interest margin | 3.2885% | 4,281 |
| Noninterest income to average assets | 0.2055% | 4,785 |
| Noninterest expense to average assets | 2.2138% | 4,339 |
| Loan and lease loss provision to assets | 0.0937% | 2,048 |
| Net operating income to assets | 0.8339% | 3,741 |
| Return on assets (ROA) | 0.8374% | 3,732 |
| Pretax return on assets | 1.0160% | 3,616 |
| Return on Equity (ROE) | 7.2810% | 3,803 |
| Retained earnings to average equity (ytd only) | 7.2810% | 1,935 |
| Net charge-offs to loans | -0.0200% | 4,569 |
| Credit loss provision to net charge-offs | -789.4737% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6980% | 2,865 |
| Assets per employee ($millions) | 5.9349% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 312 |
| Loan loss allowance to noncurrent loans | 585.5832% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,428 |
| Noncurrent loans to loans | 0.3948% | 3,276 |
| Net loans and leases to total assets | 58.9030% | 3,909 |
| Net loans and leases to deposits | 68.7486% | 3,964 |
| Net loans and leases to core deposits | 71.4506% | 4,045 |
| Total domestic deposits to total assets | 85.6788% | 2,420 |
| Equity capital to assets | 11.4858% | 2,211 |
| Core capital (leverage) ratio | 12.4630% | 1,458 |
| Tier 1 risk-based capital ratio | 16.8729% | 2,138 |
| Total risk-based capital ratio | 18.1310% | 2,087 |
| Memoranda: | ||
| Average total assets | $320,263,670 | 2,063 |
| Average earning assets | $303,239,330 | 2,031 |
| Average equity | $36,835,670 | 1,995 |
| Average total loans | $190,199,330 | 2,265 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,676 |
| Cost of funding earning assets | 0.6840% | 1,528 |
| Net interest margin | 3.2986% | 4,197 |
| Noninterest income to average assets | 0.2174% | 4,702 |
| Noninterest expense to average assets | 2.2489% | 4,301 |
| Loan and lease loss provision to assets | 0.0937% | 1,945 |
| Net operating income to assets | 0.8620% | 3,445 |
| Return on assets (ROA) | 0.8696% | 3,433 |
| Pretax return on assets | 1.0045% | 3,516 |
| Return on Equity (ROE) | 7.5553% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.5553% | 2,016 |
| Net charge-offs to loans | -0.0445% | 4,919 |
| Credit loss provision to net charge-offs | -357.1429% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3653% | 2,940 |
| Assets per employee ($millions) | 5.9084% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3474% | 305 |
| Loan loss allowance to noncurrent loans | 427.9455% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 2,197 |
| Noncurrent loans to loans | 0.5485% | 2,882 |
| Net loans and leases to total assets | 57.3051% | 4,008 |
| Net loans and leases to deposits | 66.2321% | 4,073 |
| Net loans and leases to core deposits | 68.8113% | 4,168 |
| Total domestic deposits to total assets | 86.5216% | 2,306 |
| Equity capital to assets | 11.4878% | 2,143 |
| Core capital (leverage) ratio | 12.2395% | 1,503 |
| Tier 1 risk-based capital ratio | 17.1490% | 2,076 |
| Total risk-based capital ratio | 18.4075% | 2,028 |
| Memoranda: | ||
| Average total assets | $320,154,000 | 2,078 |
| Average earning assets | $302,914,000 | 2,040 |
| Average equity | $36,848,500 | 2,005 |
| Average total loans | $188,678,000 | 2,290 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,041 |
| Cost of funding earning assets | 0.6182% | 1,484 |
| Net interest margin | 3.1859% | 4,485 |
| Noninterest income to average assets | 0.2123% | 4,881 |
| Noninterest expense to average assets | 2.1271% | 4,702 |
| Loan and lease loss provision to assets | 0.0470% | 3,288 |
| Net operating income to assets | 0.8378% | 3,000 |
| Return on assets (ROA) | 0.8474% | 2,989 |
| Pretax return on assets | 1.0670% | 3,313 |
| Return on Equity (ROE) | 7.3615% | 3,093 |
| Retained earnings to average equity (ytd only) | 5.5932% | 1,779 |
| Net charge-offs to loans | 0.0173% | 3,518 |
| Credit loss provision to net charge-offs | 468.7500% | 666 |
| Earnings coverage of net charge-offs (x) | 109.9375% | 607 |
| Efficiency ratio | 65.8778% | 3,296 |
| Assets per employee ($millions) | 5.9626% | 1,541 |
| Cash dividends to net income (ytd only)* | 24.0207% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2611% | 332 |
| Loan loss allowance to noncurrent loans | 364.9406% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 2,200 |
| Noncurrent loans to loans | 0.6196% | 2,679 |
| Net loans and leases to total assets | 57.7148% | 4,030 |
| Net loans and leases to deposits | 66.8135% | 4,124 |
| Net loans and leases to core deposits | 68.8768% | 4,241 |
| Total domestic deposits to total assets | 86.3820% | 2,279 |
| Equity capital to assets | 11.7617% | 1,994 |
| Core capital (leverage) ratio | 12.0066% | 1,599 |
| Tier 1 risk-based capital ratio | 16.9905% | 2,100 |
| Total risk-based capital ratio | 18.2481% | 2,043 |
| Memoranda: | ||
| Average total assets | $319,313,400 | 2,067 |
| Average earning assets | $302,333,000 | 2,031 |
| Average equity | $36,759,000 | 1,994 |
| Average total loans | $184,886,600 | 2,279 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,158 |
| Cost of funding earning assets | 0.5860% | 1,633 |
| Net interest margin | 3.1693% | 4,534 |
| Noninterest income to average assets | 0.2163% | 4,925 |
| Noninterest expense to average assets | 2.1913% | 4,538 |
| Loan and lease loss provision to assets | 0.0418% | 3,271 |
| Net operating income to assets | 0.7420% | 3,770 |
| Return on assets (ROA) | 0.7523% | 3,787 |
| Pretax return on assets | 1.0000% | 3,695 |
| Return on Equity (ROE) | 6.5712% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.5712% | 1,930 |
| Net charge-offs to loans | 0.0211% | 3,059 |
| Credit loss provision to net charge-offs | 344.8276% | 875 |
| Earnings coverage of net charge-offs (x) | 84.7148% | 781 |
| Efficiency ratio | 68.0660% | 2,859 |
| Assets per employee ($millions) | 6.0201% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 361 |
| Loan loss allowance to noncurrent loans | 312.8771% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,419 |
| Noncurrent loans to loans | 0.7251% | 2,545 |
| Net loans and leases to total assets | 56.3465% | 4,203 |
| Net loans and leases to deposits | 67.7648% | 4,130 |
| Net loans and leases to core deposits | 69.9817% | 4,241 |
| Total domestic deposits to total assets | 83.1500% | 3,410 |
| Equity capital to assets | 11.7470% | 2,156 |
| Core capital (leverage) ratio | 12.2350% | 1,550 |
| Tier 1 risk-based capital ratio | 17.0086% | 2,151 |
| Total risk-based capital ratio | 18.2662% | 2,106 |
| Memoranda: | ||
| Average total assets | $318,647,250 | 2,083 |
| Average earning assets | $301,933,250 | 2,052 |
| Average equity | $36,481,250 | 2,011 |
| Average total loans | $183,576,250 | 2,304 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,185 |
| Cost of funding earning assets | 0.5793% | 1,579 |
| Net interest margin | 3.1333% | 4,593 |
| Noninterest income to average assets | 0.2117% | 4,988 |
| Noninterest expense to average assets | 2.1637% | 4,644 |
| Loan and lease loss provision to assets | 0.0316% | 3,365 |
| Net operating income to assets | 0.7051% | 3,828 |
| Return on assets (ROA) | 0.7096% | 3,867 |
| Pretax return on assets | 0.9927% | 3,593 |
| Return on Equity (ROE) | 6.2495% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.2495% | 1,993 |
| Net charge-offs to loans | 0.0274% | 2,660 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 64.4400% | 897 |
| Efficiency ratio | 68.0040% | 3,015 |
| Assets per employee ($millions) | 5.9039% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 379 |
| Loan loss allowance to noncurrent loans | 335.8626% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 2,519 |
| Noncurrent loans to loans | 0.6812% | 2,711 |
| Net loans and leases to total assets | 56.3315% | 4,192 |
| Net loans and leases to deposits | 65.2957% | 4,275 |
| Net loans and leases to core deposits | 67.2526% | 4,400 |
| Total domestic deposits to total assets | 86.2714% | 2,258 |
| Equity capital to assets | 11.6785% | 2,168 |
| Core capital (leverage) ratio | 12.2007% | 1,533 |
| Tier 1 risk-based capital ratio | 17.1296% | 2,129 |
| Total risk-based capital ratio | 18.3834% | 2,068 |
| Memoranda: | ||
| Average total assets | $316,500,670 | 2,096 |
| Average earning assets | $300,001,670 | 2,055 |
| Average equity | $35,939,000 | 2,032 |
| Average total loans | $182,292,670 | 2,322 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,152 |
| Cost of funding earning assets | 0.5631% | 1,629 |
| Net interest margin | 3.1229% | 4,593 |
| Noninterest income to average assets | 0.2182% | 4,965 |
| Noninterest expense to average assets | 2.2578% | 4,512 |
| Loan and lease loss provision to assets | 0.0634% | 2,536 |
| Net operating income to assets | 0.6190% | 4,071 |
| Return on assets (ROA) | 0.6190% | 4,125 |
| Pretax return on assets | 0.8587% | 3,905 |
| Return on Equity (ROE) | 5.5309% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.5309% | 2,582 |
| Net charge-offs to loans | -0.0242% | 4,839 |
| Credit loss provision to net charge-offs | -454.5455% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0012% | 2,735 |
| Assets per employee ($millions) | 5.8496% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3591% | 374 |
| Loan loss allowance to noncurrent loans | 187.1195% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 2,478 |
| Noncurrent loans to loans | 1.2607% | 1,600 |
| Net loans and leases to total assets | 55.5837% | 4,203 |
| Net loans and leases to deposits | 63.0611% | 4,365 |
| Net loans and leases to core deposits | 64.7913% | 4,497 |
| Total domestic deposits to total assets | 88.1425% | 1,632 |
| Equity capital to assets | 11.3892% | 2,270 |
| Core capital (leverage) ratio | 12.0893% | 1,566 |
| Tier 1 risk-based capital ratio | 16.8729% | 2,225 |
| Total risk-based capital ratio | 18.1315% | 2,185 |
| Memoranda: | ||
| Average total assets | $315,346,500 | 2,120 |
| Average earning assets | $299,083,000 | 2,075 |
| Average equity | $35,292,500 | 2,070 |
| Average total loans | $181,541,500 | 2,347 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,088 |
| Cost of funding earning assets | 0.5841% | 1,461 |
| Net interest margin | 3.1563% | 4,572 |
| Noninterest income to average assets | 0.2264% | 5,057 |
| Noninterest expense to average assets | 2.0335% | 5,125 |
| Loan and lease loss provision to assets | 0.1573% | 1,585 |
| Net operating income to assets | 0.7872% | 3,367 |
| Return on assets (ROA) | 0.8133% | 3,354 |
| Pretax return on assets | 1.0615% | 3,256 |
| Return on Equity (ROE) | 6.9898% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.1703% | 2,221 |
| Net charge-offs to loans | 0.1436% | 1,824 |
| Credit loss provision to net charge-offs | 185.7692% | 1,515 |
| Earnings coverage of net charge-offs (x) | 13.9923% | 2,326 |
| Efficiency ratio | 63.1819% | 4,076 |
| Assets per employee ($millions) | 5.8299% | 1,597 |
| Cash dividends to net income (ytd only)* | 26.0312% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 416 |
| Loan loss allowance to noncurrent loans | 171.0020% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 2,273 |
| Noncurrent loans to loans | 1.3341% | 1,542 |
| Net loans and leases to total assets | 56.8853% | 4,180 |
| Net loans and leases to deposits | 64.2740% | 4,389 |
| Net loans and leases to core deposits | 65.8037% | 4,537 |
| Total domestic deposits to total assets | 88.5044% | 1,376 |
| Equity capital to assets | 10.9934% | 2,631 |
| Core capital (leverage) ratio | 11.6094% | 1,853 |
| Tier 1 risk-based capital ratio | 17.1252% | 2,121 |
| Total risk-based capital ratio | 18.3842% | 2,071 |
| Memoranda: | ||
| Average total assets | $307,009,000 | 2,129 |
| Average earning assets | $291,034,000 | 2,096 |
| Average equity | $35,723,400 | 2,042 |
| Average total loans | $181,098,600 | 2,300 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,080 |
| Cost of funding earning assets | 0.5816% | 1,473 |
| Net interest margin | 3.1682% | 4,581 |
| Noninterest income to average assets | 0.2308% | 5,093 |
| Noninterest expense to average assets | 2.0459% | 5,117 |
| Loan and lease loss provision to assets | 0.2002% | 1,053 |
| Net operating income to assets | 0.7375% | 3,656 |
| Return on assets (ROA) | 0.7697% | 3,657 |
| Pretax return on assets | 1.0319% | 3,508 |
| Return on Equity (ROE) | 6.5217% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.5217% | 1,898 |
| Net charge-offs to loans | 0.2009% | 1,167 |
| Credit loss provision to net charge-offs | 168.3824% | 1,645 |
| Earnings coverage of net charge-offs (x) | 10.0036% | 2,624 |
| Efficiency ratio | 63.2397% | 4,032 |
| Assets per employee ($millions) | 5.6961% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2496% | 470 |
| Loan loss allowance to noncurrent loans | 209.2929% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 2,816 |
| Noncurrent loans to loans | 1.0749% | 2,102 |
| Net loans and leases to total assets | 58.5401% | 4,044 |
| Net loans and leases to deposits | 68.1850% | 4,133 |
| Net loans and leases to core deposits | 69.8967% | 4,336 |
| Total domestic deposits to total assets | 85.8548% | 2,431 |
| Equity capital to assets | 12.0570% | 2,079 |
| Core capital (leverage) ratio | 12.1170% | 1,594 |
| Tier 1 risk-based capital ratio | 16.9579% | 2,240 |
| Total risk-based capital ratio | 18.2158% | 2,196 |
| Memoranda: | ||
| Average total assets | $305,057,250 | 2,143 |
| Average earning assets | $289,287,750 | 2,111 |
| Average equity | $36,002,000 | 2,036 |
| Average total loans | $180,557,000 | 2,307 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,165 |
| Cost of funding earning assets | 0.5767% | 1,491 |
| Net interest margin | 3.1602% | 4,667 |
| Noninterest income to average assets | 0.2163% | 5,192 |
| Noninterest expense to average assets | 2.0341% | 5,202 |
| Loan and lease loss provision to assets | 0.2518% | 765 |
| Net operating income to assets | 0.6995% | 3,790 |
| Return on assets (ROA) | 0.7251% | 3,828 |
| Pretax return on assets | 0.9618% | 3,736 |
| Return on Equity (ROE) | 6.1896% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.1896% | 2,020 |
| Net charge-offs to loans | -0.0100% | 4,698 |
| Credit loss provision to net charge-offs | -4,255.5556% | 5,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2979% | 4,135 |
| Assets per employee ($millions) | 5.6534% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4151% | 403 |
| Loan loss allowance to noncurrent loans | 219.4753% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,790 |
| Noncurrent loans to loans | 1.1004% | 2,089 |
| Net loans and leases to total assets | 57.5750% | 4,158 |
| Net loans and leases to deposits | 65.7563% | 4,366 |
| Net loans and leases to core deposits | 67.4643% | 4,514 |
| Total domestic deposits to total assets | 87.5581% | 1,644 |
| Equity capital to assets | 11.9938% | 2,122 |
| Core capital (leverage) ratio | 11.9390% | 1,672 |
| Tier 1 risk-based capital ratio | 16.9954% | 2,222 |
| Total risk-based capital ratio | 18.2547% | 2,176 |
| Memoranda: | ||
| Average total assets | $304,213,330 | 2,154 |
| Average earning assets | $288,523,330 | 2,124 |
| Average equity | $35,640,670 | 2,050 |
| Average total loans | $179,340,330 | 2,321 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,331 |
| Cost of funding earning assets | 0.5738% | 1,518 |
| Net interest margin | 3.1248% | 4,801 |
| Noninterest income to average assets | 0.2187% | 5,173 |
| Noninterest expense to average assets | 2.1220% | 5,068 |
| Loan and lease loss provision to assets | 0.2858% | 574 |
| Net operating income to assets | 0.6053% | 4,154 |
| Return on assets (ROA) | 0.6217% | 4,201 |
| Pretax return on assets | 0.7943% | 4,209 |
| Return on Equity (ROE) | 5.3707% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.3707% | 2,731 |
| Net charge-offs to loans | -0.0648% | 5,459 |
| Credit loss provision to net charge-offs | -748.2759% | 4,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7081% | 3,686 |
| Assets per employee ($millions) | 5.6026% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3876% | 452 |
| Loan loss allowance to noncurrent loans | 202.3099% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 2,801 |
| Noncurrent loans to loans | 1.1802% | 2,050 |
| Net loans and leases to total assets | 56.8098% | 4,170 |
| Net loans and leases to deposits | 64.7311% | 4,363 |
| Net loans and leases to core deposits | 66.4923% | 4,505 |
| Total domestic deposits to total assets | 87.7627% | 1,771 |
| Equity capital to assets | 11.7636% | 2,185 |
| Core capital (leverage) ratio | 11.8111% | 1,739 |
| Tier 1 risk-based capital ratio | 17.0388% | 2,276 |
| Total risk-based capital ratio | 18.2977% | 2,232 |
| Memoranda: | ||
| Average total assets | $303,679,000 | 2,162 |
| Average earning assets | $287,895,000 | 2,139 |
| Average equity | $35,153,500 | 2,073 |
| Average total loans | $178,952,500 | 2,320 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,152 |
| Cost of funding earning assets | 0.5715% | 1,583 |
| Net interest margin | 3.1927% | 4,650 |
| Noninterest income to average assets | 0.1998% | 5,392 |
| Noninterest expense to average assets | 2.1158% | 5,226 |
| Loan and lease loss provision to assets | 0.1937% | 1,135 |
| Net operating income to assets | 0.6697% | 3,954 |
| Return on assets (ROA) | 0.7093% | 3,878 |
| Pretax return on assets | 0.9743% | 3,565 |
| Return on Equity (ROE) | 6.4491% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.5411% | 2,754 |
| Net charge-offs to loans | 0.0094% | 4,132 |
| Credit loss provision to net charge-offs | 3,529.4118% | 109 |
| Earnings coverage of net charge-offs (x) | 202.9412% | 332 |
| Efficiency ratio | 65.5138% | 3,982 |
| Assets per employee ($millions) | 5.6447% | 1,660 |
| Cash dividends to net income (ytd only)* | 29.5858% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1768% | 616 |
| Loan loss allowance to noncurrent loans | 376.2357% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,925 |
| Noncurrent loans to loans | 0.5786% | 3,434 |
| Net loans and leases to total assets | 58.3531% | 4,033 |
| Net loans and leases to deposits | 66.1019% | 4,309 |
| Net loans and leases to core deposits | 67.7702% | 4,464 |
| Total domestic deposits to total assets | 88.2775% | 1,488 |
| Equity capital to assets | 11.3895% | 2,456 |
| Core capital (leverage) ratio | 11.4163% | 2,027 |
| Tier 1 risk-based capital ratio | 16.5220% | 2,466 |
| Total risk-based capital ratio | 17.7792% | 2,420 |
| Memoranda: | ||
| Average total assets | $309,760,800 | 2,094 |
| Average earning assets | $293,950,400 | 2,052 |
| Average equity | $34,067,000 | 2,088 |
| Average total loans | $180,447,000 | 2,237 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,261 |
| Cost of funding earning assets | 0.5649% | 1,668 |
| Net interest margin | 3.1846% | 4,715 |
| Noninterest income to average assets | 0.1839% | 5,558 |
| Noninterest expense to average assets | 2.0694% | 5,345 |
| Loan and lease loss provision to assets | 0.1929% | 1,048 |
| Net operating income to assets | 0.6807% | 3,989 |
| Return on assets (ROA) | 0.7301% | 3,872 |
| Pretax return on assets | 1.0135% | 3,564 |
| Return on Equity (ROE) | 6.6971% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.6971% | 1,838 |
| Net charge-offs to loans | 0.0022% | 4,105 |
| Credit loss provision to net charge-offs | 15,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 884.6450% | 85 |
| Efficiency ratio | 64.5235% | 4,152 |
| Assets per employee ($millions) | 5.7182% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 842 |
| Loan loss allowance to noncurrent loans | 549.1379% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 4,639 |
| Noncurrent loans to loans | 0.3741% | 4,276 |
| Net loans and leases to total assets | 59.0207% | 4,009 |
| Net loans and leases to deposits | 69.4404% | 4,049 |
| Net loans and leases to core deposits | 72.0820% | 4,183 |
| Total domestic deposits to total assets | 84.9947% | 3,009 |
| Equity capital to assets | 11.2965% | 2,704 |
| Core capital (leverage) ratio | 11.5913% | 1,966 |
| Tier 1 risk-based capital ratio | 16.2858% | 2,680 |
| Total risk-based capital ratio | 17.5416% | 2,625 |
| Memoranda: | ||
| Average total assets | $310,997,250 | 2,099 |
| Average earning assets | $295,249,500 | 2,057 |
| Average equity | $33,904,500 | 2,108 |
| Average total loans | $180,102,000 | 2,247 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 4,276 |
| Cost of funding earning assets | 0.5606% | 1,729 |
| Net interest margin | 3.1792% | 4,720 |
| Noninterest income to average assets | 0.1970% | 5,504 |
| Noninterest expense to average assets | 2.1961% | 5,128 |
| Loan and lease loss provision to assets | 0.1925% | 1,035 |
| Net operating income to assets | 0.5779% | 4,432 |
| Return on assets (ROA) | 0.6345% | 4,309 |
| Pretax return on assets | 0.9091% | 3,923 |
| Return on Equity (ROE) | 5.8906% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.8906% | 2,307 |
| Net charge-offs to loans | 0.0034% | 3,785 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 530.3333% | 125 |
| Efficiency ratio | 68.2688% | 3,639 |
| Assets per employee ($millions) | 5.6524% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 932 |
| Loan loss allowance to noncurrent loans | 512.8492% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 4,534 |
| Noncurrent loans to loans | 0.3967% | 4,294 |
| Net loans and leases to total assets | 57.9364% | 4,109 |
| Net loans and leases to deposits | 65.5888% | 4,375 |
| Net loans and leases to core deposits | 68.0136% | 4,493 |
| Total domestic deposits to total assets | 88.3327% | 1,478 |
| Equity capital to assets | 11.0216% | 2,865 |
| Core capital (leverage) ratio | 11.2617% | 2,200 |
| Tier 1 risk-based capital ratio | 16.4909% | 2,609 |
| Total risk-based capital ratio | 17.7469% | 2,562 |
| Memoranda: | ||
| Average total assets | $311,734,670 | 2,113 |
| Average earning assets | $296,113,670 | 2,070 |
| Average equity | $33,578,670 | 2,130 |
| Average total loans | $178,113,000 | 2,275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,170 |
| Cost of funding earning assets | 0.5582% | 1,767 |
| Net interest margin | 3.1995% | 4,613 |
| Noninterest income to average assets | 0.1829% | 5,619 |
| Noninterest expense to average assets | 2.0496% | 5,485 |
| Loan and lease loss provision to assets | 0.1905% | 986 |
| Net operating income to assets | 0.7262% | 3,661 |
| Return on assets (ROA) | 0.7581% | 3,629 |
| Pretax return on assets | 1.0286% | 3,388 |
| Return on Equity (ROE) | 7.1183% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.1183% | 1,967 |
| Net charge-offs to loans | 0.0045% | 3,164 |
| Credit loss provision to net charge-offs | 7,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 120 |
| Efficiency ratio | 63.5433% | 4,548 |
| Assets per employee ($millions) | 5.7779% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0180% | 1,040 |
| Loan loss allowance to noncurrent loans | 448.7898% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 4,648 |
| Noncurrent loans to loans | 0.4496% | 4,236 |
| Net loans and leases to total assets | 54.8255% | 4,338 |
| Net loans and leases to deposits | 61.8365% | 4,588 |
| Net loans and leases to core deposits | 64.0622% | 4,690 |
| Total domestic deposits to total assets | 88.6621% | 1,470 |
| Equity capital to assets | 10.9014% | 3,088 |
| Core capital (leverage) ratio | 10.8094% | 2,615 |
| Tier 1 risk-based capital ratio | 16.5968% | 2,640 |
| Total risk-based capital ratio | 17.8526% | 2,587 |
| Memoranda: | ||
| Average total assets | $314,988,000 | 2,114 |
| Average earning assets | $299,546,000 | 2,055 |
| Average equity | $33,547,500 | 2,146 |
| Average total loans | $176,914,500 | 2,296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 5,063 |
| Cost of funding earning assets | 0.5804% | 1,946 |
| Net interest margin | 3.0263% | 5,391 |
| Noninterest income to average assets | 0.1416% | 5,988 |
| Noninterest expense to average assets | 1.9480% | 5,859 |
| Loan and lease loss provision to assets | 0.0940% | 2,583 |
| Net operating income to assets | 0.7037% | 3,875 |
| Return on assets (ROA) | 0.7326% | 3,829 |
| Pretax return on assets | 1.0138% | 3,439 |
| Return on Equity (ROE) | 7.3582% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.4707% | 2,280 |
| Net charge-offs to loans | 0.0524% | 3,782 |
| Credit loss provision to net charge-offs | 344.8276% | 765 |
| Earnings coverage of net charge-offs (x) | 39.1839% | 1,103 |
| Efficiency ratio | 64.5965% | 4,480 |
| Assets per employee ($millions) | 6.2347% | 1,225 |
| Cash dividends to net income (ytd only)* | 25.6520% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 1,352 |
| Loan loss allowance to noncurrent loans | 510.5900% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 4,872 |
| Noncurrent loans to loans | 0.3688% | 4,550 |
| Net loans and leases to total assets | 55.3109% | 4,408 |
| Net loans and leases to deposits | 61.9946% | 4,727 |
| Net loans and leases to core deposits | 65.2896% | 4,723 |
| Total domestic deposits to total assets | 89.2188% | 1,108 |
| Equity capital to assets | 10.4041% | 3,605 |
| Core capital (leverage) ratio | 10.6018% | 2,834 |
| Tier 1 risk-based capital ratio | 16.1599% | 2,884 |
| Total risk-based capital ratio | 17.4149% | 2,826 |
| Memoranda: | ||
| Average total assets | $319,294,000 | 2,037 |
| Average earning assets | $303,241,600 | 1,979 |
| Average equity | $31,787,800 | 2,176 |
| Average total loans | $165,891,200 | 2,365 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 5,196 |
| Cost of funding earning assets | 0.5836% | 1,984 |
| Net interest margin | 2.9955% | 5,516 |
| Noninterest income to average assets | 0.1727% | 5,888 |
| Noninterest expense to average assets | 1.9356% | 5,890 |
| Loan and lease loss provision to assets | 0.0834% | 2,683 |
| Net operating income to assets | 0.7178% | 3,847 |
| Return on assets (ROA) | 0.7434% | 3,808 |
| Pretax return on assets | 1.0329% | 3,457 |
| Return on Equity (ROE) | 7.5512% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.5512% | 1,559 |
| Net charge-offs to loans | 0.0509% | 3,487 |
| Credit loss provision to net charge-offs | 322.5806% | 866 |
| Earnings coverage of net charge-offs (x) | 41.7926% | 1,095 |
| Efficiency ratio | 64.1682% | 4,513 |
| Assets per employee ($millions) | 5.8291% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9194% | 1,411 |
| Loan loss allowance to noncurrent loans | 323.2125% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 4,559 |
| Noncurrent loans to loans | 0.5939% | 4,152 |
| Net loans and leases to total assets | 53.5713% | 4,628 |
| Net loans and leases to deposits | 60.1470% | 4,924 |
| Net loans and leases to core deposits | 63.6814% | 4,907 |
| Total domestic deposits to total assets | 89.0673% | 1,200 |
| Equity capital to assets | 10.4444% | 3,630 |
| Core capital (leverage) ratio | 10.5917% | 2,933 |
| Tier 1 risk-based capital ratio | 16.6923% | 2,729 |
| Total risk-based capital ratio | 17.9474% | 2,683 |
| Memoranda: | ||
| Average total assets | $319,625,000 | 2,048 |
| Average earning assets | $303,421,250 | 1,992 |
| Average equity | $31,464,250 | 2,201 |
| Average total loans | $162,552,250 | 2,414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5431% | 5,303 |
| Cost of funding earning assets | 0.5834% | 2,043 |
| Net interest margin | 2.9596% | 5,608 |
| Noninterest income to average assets | 0.1700% | 5,935 |
| Noninterest expense to average assets | 1.9393% | 5,929 |
| Loan and lease loss provision to assets | 0.1245% | 1,983 |
| Net operating income to assets | 0.6673% | 4,010 |
| Return on assets (ROA) | 0.6904% | 3,983 |
| Pretax return on assets | 0.9488% | 3,681 |
| Return on Equity (ROE) | 7.1563% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.1563% | 1,689 |
| Net charge-offs to loans | 0.0803% | 2,886 |
| Credit loss provision to net charge-offs | 312.5000% | 827 |
| Earnings coverage of net charge-offs (x) | 26.1406% | 1,383 |
| Efficiency ratio | 65.0585% | 4,526 |
| Assets per employee ($millions) | 5.9883% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 1,311 |
| Loan loss allowance to noncurrent loans | 435.6671% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 5,008 |
| Noncurrent loans to loans | 0.4655% | 4,602 |
| Net loans and leases to total assets | 49.2665% | 5,046 |
| Net loans and leases to deposits | 54.9932% | 5,287 |
| Net loans and leases to core deposits | 58.3910% | 5,243 |
| Total domestic deposits to total assets | 89.5864% | 1,026 |
| Equity capital to assets | 9.9615% | 4,165 |
| Core capital (leverage) ratio | 10.1917% | 3,359 |
| Tier 1 risk-based capital ratio | 15.5697% | 3,318 |
| Total risk-based capital ratio | 16.8236% | 3,268 |
| Memoranda: | ||
| Average total assets | $321,243,000 | 2,037 |
| Average earning assets | $305,103,670 | 1,978 |
| Average equity | $30,993,670 | 2,216 |
| Average total loans | $159,427,330 | 2,455 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 5,288 |
| Cost of funding earning assets | 0.5935% | 2,026 |
| Net interest margin | 2.9597% | 5,627 |
| Noninterest income to average assets | 0.1612% | 6,007 |
| Noninterest expense to average assets | 2.0388% | 5,804 |
| Loan and lease loss provision to assets | 0.1874% | 1,273 |
| Net operating income to assets | 0.5049% | 4,668 |
| Return on assets (ROA) | 0.5185% | 4,667 |
| Pretax return on assets | 0.7646% | 4,253 |
| Return on Equity (ROE) | 5.4633% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.4633% | 2,808 |
| Net charge-offs to loans | 0.0735% | 2,412 |
| Credit loss provision to net charge-offs | 517.2414% | 525 |
| Earnings coverage of net charge-offs (x) | 25.7241% | 1,141 |
| Efficiency ratio | 68.6291% | 4,074 |
| Assets per employee ($millions) | 6.0268% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,316 |
| Loan loss allowance to noncurrent loans | 579.0123% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 5,309 |
| Noncurrent loans to loans | 0.3637% | 5,035 |
| Net loans and leases to total assets | 46.8986% | 5,242 |
| Net loans and leases to deposits | 52.0236% | 5,452 |
| Net loans and leases to core deposits | 55.1229% | 5,428 |
| Total domestic deposits to total assets | 90.1487% | 995 |
| Equity capital to assets | 9.5010% | 4,498 |
| Core capital (leverage) ratio | 10.1417% | 3,367 |
| Tier 1 risk-based capital ratio | 15.4201% | 3,486 |
| Total risk-based capital ratio | 16.5937% | 3,482 |
| Memoranda: | ||
| Average total assets | $320,181,500 | 2,040 |
| Average earning assets | $303,946,500 | 1,988 |
| Average equity | $30,384,500 | 2,250 |
| Average total loans | $157,836,500 | 2,488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 5,787 |
| Cost of funding earning assets | 0.6288% | 2,400 |
| Net interest margin | 2.7963% | 5,988 |
| Noninterest income to average assets | 0.1526% | 6,180 |
| Noninterest expense to average assets | 1.7965% | 6,324 |
| Loan and lease loss provision to assets | 0.1854% | 1,985 |
| Net operating income to assets | 0.6271% | 4,124 |
| Return on assets (ROA) | 0.6912% | 3,933 |
| Pretax return on assets | 0.9152% | 3,699 |
| Return on Equity (ROE) | 7.3478% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.3770% | 2,367 |
| Net charge-offs to loans | 0.2134% | 2,752 |
| Credit loss provision to net charge-offs | 182.9268% | 1,255 |
| Earnings coverage of net charge-offs (x) | 10.0274% | 2,431 |
| Efficiency ratio | 63.8691% | 4,921 |
| Assets per employee ($millions) | 5.8317% | 1,380 |
| Cash dividends to net income (ytd only)* | 26.8216% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 1,603 |
| Loan loss allowance to noncurrent loans | 888.2022% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 5,145 |
| Noncurrent loans to loans | 0.2228% | 5,522 |
| Net loans and leases to total assets | 49.7269% | 5,113 |
| Net loans and leases to deposits | 55.1268% | 5,380 |
| Net loans and leases to core deposits | 58.3766% | 5,359 |
| Total domestic deposits to total assets | 90.2046% | 965 |
| Equity capital to assets | 9.4781% | 4,453 |
| Core capital (leverage) ratio | 10.0196% | 3,536 |
| Tier 1 risk-based capital ratio | 15.0045% | 3,664 |
| Total risk-based capital ratio | 16.2572% | 3,604 |
| Memoranda: | ||
| Average total assets | $323,629,400 | 1,987 |
| Average earning assets | $307,873,400 | 1,924 |
| Average equity | $30,444,400 | 2,231 |
| Average total loans | $153,718,200 | 2,508 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 6,004 |
| Cost of funding earning assets | 0.6301% | 2,550 |
| Net interest margin | 2.7003% | 6,173 |
| Noninterest income to average assets | 0.1821% | 6,104 |
| Noninterest expense to average assets | 1.6205% | 6,539 |
| Loan and lease loss provision to assets | 0.1842% | 1,975 |
| Net operating income to assets | 0.7028% | 3,846 |
| Return on assets (ROA) | 0.7730% | 3,621 |
| Pretax return on assets | 1.0435% | 3,322 |
| Return on Equity (ROE) | 8.2325% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.2325% | 1,322 |
| Net charge-offs to loans | 0.2602% | 2,256 |
| Credit loss provision to net charge-offs | 151.5152% | 1,556 |
| Earnings coverage of net charge-offs (x) | 9.3199% | 2,498 |
| Efficiency ratio | 58.8585% | 5,577 |
| Assets per employee ($millions) | 6.0484% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 1,912 |
| Loan loss allowance to noncurrent loans | 234.9807% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 4,394 |
| Noncurrent loans to loans | 0.8210% | 4,193 |
| Net loans and leases to total assets | 47.3649% | 5,412 |
| Net loans and leases to deposits | 53.6829% | 5,565 |
| Net loans and leases to core deposits | 56.8527% | 5,544 |
| Total domestic deposits to total assets | 88.2310% | 1,977 |
| Equity capital to assets | 9.2018% | 4,937 |
| Core capital (leverage) ratio | 9.9802% | 3,702 |
| Tier 1 risk-based capital ratio | 15.1604% | 3,652 |
| Total risk-based capital ratio | 16.4127% | 3,610 |
| Memoranda: | ||
| Average total assets | $325,808,250 | 1,989 |
| Average earning assets | $310,226,750 | 1,922 |
| Average equity | $30,593,500 | 2,240 |
| Average total loans | $152,208,000 | 2,538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 6,085 |
| Cost of funding earning assets | 0.6292% | 2,688 |
| Net interest margin | 2.6732% | 6,224 |
| Noninterest income to average assets | 0.1554% | 6,278 |
| Noninterest expense to average assets | 1.5869% | 6,598 |
| Loan and lease loss provision to assets | 0.1843% | 2,055 |
| Net operating income to assets | 0.6952% | 3,824 |
| Return on assets (ROA) | 0.7452% | 3,747 |
| Pretax return on assets | 1.0020% | 3,502 |
| Return on Equity (ROE) | 7.8834% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.8834% | 1,536 |
| Net charge-offs to loans | 0.2940% | 2,009 |
| Credit loss provision to net charge-offs | 135.7466% | 1,667 |
| Earnings coverage of net charge-offs (x) | 8.2398% | 2,436 |
| Efficiency ratio | 58.6512% | 5,648 |
| Assets per employee ($millions) | 6.1139% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 1,838 |
| Loan loss allowance to noncurrent loans | 254.8498% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 4,628 |
| Noncurrent loans to loans | 0.7863% | 4,340 |
| Net loans and leases to total assets | 43.9773% | 5,740 |
| Net loans and leases to deposits | 48.5789% | 5,943 |
| Net loans and leases to core deposits | 52.4845% | 5,853 |
| Total domestic deposits to total assets | 90.5277% | 740 |
| Equity capital to assets | 9.1100% | 5,092 |
| Core capital (leverage) ratio | 9.5769% | 4,110 |
| Tier 1 risk-based capital ratio | 14.7594% | 3,934 |
| Total risk-based capital ratio | 16.0110% | 3,899 |
| Memoranda: | ||
| Average total assets | $325,540,670 | 1,996 |
| Average earning assets | $310,561,330 | 1,926 |
| Average equity | $30,773,330 | 2,238 |
| Average total loans | $150,363,330 | 2,568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 6,025 |
| Cost of funding earning assets | 0.6358% | 2,777 |
| Net interest margin | 2.7247% | 6,179 |
| Noninterest income to average assets | 0.1460% | 6,373 |
| Noninterest expense to average assets | 1.4058% | 6,815 |
| Loan and lease loss provision to assets | 0.1856% | 1,990 |
| Net operating income to assets | 0.8352% | 2,980 |
| Return on assets (ROA) | 0.8761% | 2,921 |
| Pretax return on assets | 1.2152% | 2,517 |
| Return on Equity (ROE) | 9.0998% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.0998% | 1,352 |
| Net charge-offs to loans | 0.5784% | 1,055 |
| Credit loss provision to net charge-offs | 68.4932% | 2,317 |
| Earnings coverage of net charge-offs (x) | 4.9589% | 2,435 |
| Efficiency ratio | 51.1251% | 6,433 |
| Assets per employee ($millions) | 6.1451% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 2,180 |
| Loan loss allowance to noncurrent loans | 166.9231% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 4,726 |
| Noncurrent loans to loans | 1.1673% | 3,821 |
| Net loans and leases to total assets | 42.7793% | 5,778 |
| Net loans and leases to deposits | 47.4543% | 5,960 |
| Net loans and leases to core deposits | 51.6340% | 5,849 |
| Total domestic deposits to total assets | 90.1485% | 962 |
| Equity capital to assets | 9.4682% | 4,892 |
| Core capital (leverage) ratio | 9.6336% | 3,869 |
| Tier 1 risk-based capital ratio | 16.4846% | 3,008 |
| Total risk-based capital ratio | 17.7382% | 2,964 |
| Memoranda: | ||
| Average total assets | $323,235,000 | 2,028 |
| Average earning assets | $308,880,500 | 1,968 |
| Average equity | $31,121,500 | 2,233 |
| Average total loans | $151,464,500 | 2,562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 6,115 |
| Cost of funding earning assets | 0.7449% | 3,114 |
| Net interest margin | 2.9171% | 6,194 |
| Noninterest income to average assets | 0.2476% | 5,690 |
| Noninterest expense to average assets | 1.9483% | 6,422 |
| Loan and lease loss provision to assets | 0.1940% | 3,211 |
| Net operating income to assets | 0.6558% | 3,958 |
| Return on assets (ROA) | 0.7299% | 3,852 |
| Pretax return on assets | 0.9879% | 3,588 |
| Return on Equity (ROE) | 7.4533% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,397 |
| Net charge-offs to loans | 0.1905% | 3,851 |
| Credit loss provision to net charge-offs | 208.3333% | 1,225 |
| Earnings coverage of net charge-offs (x) | 11.6181% | 2,010 |
| Efficiency ratio | 64.3017% | 4,832 |
| Assets per employee ($millions) | 5.8265% | 1,411 |
| Cash dividends to net income (ytd only)* | 26.5722% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 2,503 |
| Loan loss allowance to noncurrent loans | 137.4227% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 4,405 |
| Noncurrent loans to loans | 1.3298% | 3,618 |
| Net loans and leases to total assets | 49.3465% | 5,259 |
| Net loans and leases to deposits | 55.5057% | 5,493 |
| Net loans and leases to core deposits | 58.8387% | 5,469 |
| Total domestic deposits to total assets | 88.9035% | 1,636 |
| Equity capital to assets | 9.7968% | 4,453 |
| Core capital (leverage) ratio | 9.5381% | 4,056 |
| Tier 1 risk-based capital ratio | 15.5222% | 3,409 |
| Total risk-based capital ratio | 16.7717% | 3,375 |
| Memoranda: | ||
| Average total assets | $309,345,400 | 2,080 |
| Average earning assets | $295,057,800 | 2,001 |
| Average equity | $30,295,400 | 2,231 |
| Average total loans | $151,179,600 | 2,559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 6,246 |
| Cost of funding earning assets | 0.7621% | 3,258 |
| Net interest margin | 2.9225% | 6,315 |
| Noninterest income to average assets | 0.2658% | 5,653 |
| Noninterest expense to average assets | 1.9440% | 6,453 |
| Loan and lease loss provision to assets | 0.1948% | 3,139 |
| Net operating income to assets | 0.6583% | 4,100 |
| Return on assets (ROA) | 0.7328% | 4,012 |
| Pretax return on assets | 1.0176% | 3,646 |
| Return on Equity (ROE) | 7.4835% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.4835% | 1,858 |
| Net charge-offs to loans | 0.2132% | 3,455 |
| Credit loss provision to net charge-offs | 188.2845% | 1,468 |
| Earnings coverage of net charge-offs (x) | 10.7196% | 2,153 |
| Efficiency ratio | 63.6750% | 4,859 |
| Assets per employee ($millions) | 5.7687% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 2,676 |
| Loan loss allowance to noncurrent loans | 137.1864% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 4,597 |
| Noncurrent loans to loans | 1.3402% | 3,790 |
| Net loans and leases to total assets | 47.8020% | 5,571 |
| Net loans and leases to deposits | 53.3743% | 5,859 |
| Net loans and leases to core deposits | 58.8725% | 5,671 |
| Total domestic deposits to total assets | 89.5599% | 1,089 |
| Equity capital to assets | 10.0122% | 4,478 |
| Core capital (leverage) ratio | 9.7249% | 3,911 |
| Tier 1 risk-based capital ratio | 16.1104% | 3,214 |
| Total risk-based capital ratio | 17.3635% | 3,183 |
| Memoranda: | ||
| Average total assets | $308,023,750 | 2,112 |
| Average earning assets | $293,759,250 | 2,032 |
| Average equity | $30,163,250 | 2,256 |
| Average total loans | $149,437,000 | 2,613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 6,365 |
| Cost of funding earning assets | 0.7749% | 3,403 |
| Net interest margin | 2.9075% | 6,419 |
| Noninterest income to average assets | 0.2542% | 5,760 |
| Noninterest expense to average assets | 1.9540% | 6,511 |
| Loan and lease loss provision to assets | 0.1955% | 3,127 |
| Net operating income to assets | 0.6238% | 4,256 |
| Return on assets (ROA) | 0.6720% | 4,270 |
| Pretax return on assets | 0.9457% | 3,898 |
| Return on Equity (ROE) | 6.9145% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.9145% | 2,152 |
| Net charge-offs to loans | 0.1278% | 3,906 |
| Credit loss provision to net charge-offs | 315.7895% | 934 |
| Earnings coverage of net charge-offs (x) | 17.3368% | 1,534 |
| Efficiency ratio | 64.5425% | 4,793 |
| Assets per employee ($millions) | 5.8300% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 2,680 |
| Loan loss allowance to noncurrent loans | 108.7109% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 4,279 |
| Noncurrent loans to loans | 1.7086% | 3,332 |
| Net loans and leases to total assets | 46.7067% | 5,757 |
| Net loans and leases to deposits | 51.8720% | 6,036 |
| Net loans and leases to core deposits | 56.3958% | 5,909 |
| Total domestic deposits to total assets | 90.0423% | 900 |
| Equity capital to assets | 9.5959% | 4,919 |
| Core capital (leverage) ratio | 9.5219% | 4,115 |
| Tier 1 risk-based capital ratio | 16.1291% | 3,107 |
| Total risk-based capital ratio | 17.3796% | 3,068 |
| Memoranda: | ||
| Average total assets | $306,861,670 | 2,113 |
| Average earning assets | $292,694,000 | 2,032 |
| Average equity | $29,821,330 | 2,266 |
| Average total loans | $148,683,670 | 2,636 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 6,438 |
| Cost of funding earning assets | 0.7979% | 3,493 |
| Net interest margin | 2.9033% | 6,483 |
| Noninterest income to average assets | 0.3011% | 5,469 |
| Noninterest expense to average assets | 1.9242% | 6,601 |
| Loan and lease loss provision to assets | 0.1981% | 2,963 |
| Net operating income to assets | 0.6809% | 3,972 |
| Return on assets (ROA) | 0.7065% | 4,074 |
| Pretax return on assets | 0.9826% | 3,737 |
| Return on Equity (ROE) | 7.2231% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.2231% | 2,314 |
| Net charge-offs to loans | 0.0513% | 3,989 |
| Credit loss provision to net charge-offs | 789.4737% | 437 |
| Earnings coverage of net charge-offs (x) | 45.6316% | 677 |
| Efficiency ratio | 62.6936% | 5,151 |
| Assets per employee ($millions) | 5.7586% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 2,802 |
| Loan loss allowance to noncurrent loans | 105.5729% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 4,374 |
| Noncurrent loans to loans | 1.7639% | 3,463 |
| Net loans and leases to total assets | 45.9111% | 5,792 |
| Net loans and leases to deposits | 50.9784% | 6,071 |
| Net loans and leases to core deposits | 55.4746% | 5,949 |
| Total domestic deposits to total assets | 90.0599% | 1,057 |
| Equity capital to assets | 9.5783% | 4,683 |
| Core capital (leverage) ratio | 9.6001% | 3,923 |
| Tier 1 risk-based capital ratio | 16.2777% | 3,029 |
| Total risk-based capital ratio | 17.5255% | 2,992 |
| Memoranda: | ||
| Average total assets | $302,881,500 | 2,151 |
| Average earning assets | $288,774,000 | 2,071 |
| Average equity | $29,627,000 | 2,287 |
| Average total loans | $148,112,500 | 2,660 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 6,287 |
| Cost of funding earning assets | 1.1032% | 2,654 |
| Net interest margin | 2.9923% | 6,540 |
| Noninterest income to average assets | 0.2640% | 5,643 |
| Noninterest expense to average assets | 2.0257% | 6,631 |
| Loan and lease loss provision to assets | 0.2643% | 3,577 |
| Net operating income to assets | 0.5892% | 4,059 |
| Return on assets (ROA) | 0.6530% | 3,923 |
| Pretax return on assets | 0.8853% | 3,656 |
| Return on Equity (ROE) | 6.7002% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.6031% | 2,903 |
| Net charge-offs to loans | 0.1687% | 4,804 |
| Credit loss provision to net charge-offs | 310.4000% | 749 |
| Earnings coverage of net charge-offs (x) | 12.4880% | 1,618 |
| Efficiency ratio | 65.5750% | 4,854 |
| Assets per employee ($millions) | 5.4593% | 1,682 |
| Cash dividends to net income (ytd only)* | 31.2989% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,164 |
| Loan loss allowance to noncurrent loans | 93.7796% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 4,214 |
| Noncurrent loans to loans | 1.8235% | 3,438 |
| Net loans and leases to total assets | 50.2617% | 5,549 |
| Net loans and leases to deposits | 56.0521% | 5,890 |
| Net loans and leases to core deposits | 58.4687% | 5,975 |
| Total domestic deposits to total assets | 89.6696% | 1,173 |
| Equity capital to assets | 9.9962% | 4,173 |
| Core capital (leverage) ratio | 9.5473% | 3,948 |
| Tier 1 risk-based capital ratio | 15.4230% | 3,378 |
| Total risk-based capital ratio | 16.6795% | 3,327 |
| Memoranda: | ||
| Average total assets | $293,576,000 | 2,174 |
| Average earning assets | $277,182,000 | 2,119 |
| Average equity | $28,611,000 | 2,294 |
| Average total loans | $148,187,400 | 2,668 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 6,469 |
| Cost of funding earning assets | 1.1713% | 2,501 |
| Net interest margin | 2.9011% | 6,746 |
| Noninterest income to average assets | 0.2378% | 5,928 |
| Noninterest expense to average assets | 2.0158% | 6,662 |
| Loan and lease loss provision to assets | 0.2273% | 3,742 |
| Net operating income to assets | 0.5556% | 4,293 |
| Return on assets (ROA) | 0.6106% | 4,224 |
| Pretax return on assets | 0.8011% | 4,127 |
| Return on Equity (ROE) | 6.3058% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.3058% | 2,364 |
| Net charge-offs to loans | 0.2259% | 4,025 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 8.4119% | 2,183 |
| Efficiency ratio | 67.8293% | 4,355 |
| Assets per employee ($millions) | 5.4733% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 3,993 |
| Loan loss allowance to noncurrent loans | 46.0216% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.9184% | 3,237 |
| Noncurrent loans to loans | 3.3082% | 2,085 |
| Net loans and leases to total assets | 50.3781% | 5,663 |
| Net loans and leases to deposits | 56.3127% | 6,002 |
| Net loans and leases to core deposits | 59.4243% | 6,030 |
| Total domestic deposits to total assets | 89.4613% | 1,160 |
| Equity capital to assets | 10.0065% | 4,333 |
| Core capital (leverage) ratio | 9.7545% | 3,765 |
| Tier 1 risk-based capital ratio | 15.4531% | 3,409 |
| Total risk-based capital ratio | 16.6598% | 3,407 |
| Memoranda: | ||
| Average total assets | $293,269,750 | 2,184 |
| Average earning assets | $276,392,000 | 2,131 |
| Average equity | $28,396,500 | 2,308 |
| Average total loans | $147,546,750 | 2,698 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 6,531 |
| Cost of funding earning assets | 1.2220% | 2,428 |
| Net interest margin | 2.8582% | 6,852 |
| Noninterest income to average assets | 0.2503% | 5,862 |
| Noninterest expense to average assets | 1.9972% | 6,801 |
| Loan and lease loss provision to assets | 0.1949% | 3,984 |
| Net operating income to assets | 0.5591% | 4,269 |
| Return on assets (ROA) | 0.6078% | 4,152 |
| Pretax return on assets | 0.8082% | 3,990 |
| Return on Equity (ROE) | 6.3492% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.3492% | 2,213 |
| Net charge-offs to loans | 0.2952% | 3,399 |
| Credit loss provision to net charge-offs | 131.9444% | 2,314 |
| Earnings coverage of net charge-offs (x) | 6.3519% | 2,414 |
| Efficiency ratio | 68.0410% | 4,504 |
| Assets per employee ($millions) | 5.4671% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 4,416 |
| Loan loss allowance to noncurrent loans | 43.9312% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 1.9107% | 3,361 |
| Noncurrent loans to loans | 3.2691% | 2,185 |
| Net loans and leases to total assets | 49.3068% | 5,912 |
| Net loans and leases to deposits | 54.9922% | 6,225 |
| Net loans and leases to core deposits | 56.9402% | 6,352 |
| Total domestic deposits to total assets | 89.6614% | 1,142 |
| Equity capital to assets | 9.7827% | 4,408 |
| Core capital (leverage) ratio | 9.6116% | 3,790 |
| Tier 1 risk-based capital ratio | 15.3460% | 3,329 |
| Total risk-based capital ratio | 16.4994% | 3,333 |
| Memoranda: | ||
| Average total assets | $292,506,670 | 2,196 |
| Average earning assets | $274,787,000 | 2,146 |
| Average equity | $28,003,670 | 2,313 |
| Average total loans | $146,329,330 | 2,740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 6,563 |
| Cost of funding earning assets | 1.2553% | 2,467 |
| Net interest margin | 2.8154% | 6,881 |
| Noninterest income to average assets | 0.2267% | 6,103 |
| Noninterest expense to average assets | 1.9646% | 6,885 |
| Loan and lease loss provision to assets | 0.1923% | 3,706 |
| Net operating income to assets | 0.5459% | 4,288 |
| Return on assets (ROA) | 0.5798% | 4,203 |
| Pretax return on assets | 0.7543% | 4,085 |
| Return on Equity (ROE) | 6.1237% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.1237% | 2,560 |
| Net charge-offs to loans | 0.3735% | 2,573 |
| Credit loss provision to net charge-offs | 102.9412% | 2,576 |
| Earnings coverage of net charge-offs (x) | 4.8309% | 2,388 |
| Efficiency ratio | 68.5194% | 4,556 |
| Assets per employee ($millions) | 5.4861% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 4,556 |
| Loan loss allowance to noncurrent loans | 77.3223% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 4,563 |
| Noncurrent loans to loans | 1.8398% | 3,776 |
| Net loans and leases to total assets | 48.0906% | 6,064 |
| Net loans and leases to deposits | 53.3744% | 6,356 |
| Net loans and leases to core deposits | 55.1947% | 6,473 |
| Total domestic deposits to total assets | 90.1006% | 1,095 |
| Equity capital to assets | 9.4201% | 4,541 |
| Core capital (leverage) ratio | 9.5285% | 3,760 |
| Tier 1 risk-based capital ratio | 15.1248% | 3,361 |
| Total risk-based capital ratio | 16.2455% | 3,387 |
| Memoranda: | ||
| Average total assets | $291,147,500 | 2,218 |
| Average earning assets | $273,074,000 | 2,175 |
| Average equity | $27,565,000 | 2,334 |
| Average total loans | $145,650,500 | 2,779 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 6,275 |
| Cost of funding earning assets | 1.4558% | 2,923 |
| Net interest margin | 3.0880% | 6,546 |
| Noninterest income to average assets | 0.2214% | 6,221 |
| Noninterest expense to average assets | 2.1546% | 6,719 |
| Loan and lease loss provision to assets | 0.1547% | 5,659 |
| Net operating income to assets | 0.5577% | 3,862 |
| Return on assets (ROA) | 0.6325% | 3,678 |
| Pretax return on assets | 0.8914% | 3,324 |
| Return on Equity (ROE) | 6.2412% | 3,485 |
| Retained earnings to average equity (ytd only) | 4.0603% | 3,017 |
| Net charge-offs to loans | 0.2191% | 4,979 |
| Credit loss provision to net charge-offs | 130.0310% | 3,060 |
| Earnings coverage of net charge-offs (x) | 7.9071% | 2,042 |
| Efficiency ratio | 69.6061% | 4,265 |
| Assets per employee ($millions) | 5.2971% | 1,758 |
| Cash dividends to net income (ytd only)* | 34.9447% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,515 |
| Loan loss allowance to noncurrent loans | 134.5574% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 5,510 |
| Noncurrent loans to loans | 1.0390% | 4,993 |
| Net loans and leases to total assets | 50.5950% | 6,101 |
| Net loans and leases to deposits | 56.2090% | 6,425 |
| Net loans and leases to core deposits | 58.1387% | 6,550 |
| Total domestic deposits to total assets | 90.0124% | 1,091 |
| Equity capital to assets | 9.5171% | 4,384 |
| Core capital (leverage) ratio | 10.0735% | 3,001 |
| Tier 1 risk-based capital ratio | 14.7677% | 3,388 |
| Total risk-based capital ratio | 15.8764% | 3,430 |
| Memoranda: | ||
| Average total assets | $271,468,000 | 2,350 |
| Average earning assets | $252,653,200 | 2,322 |
| Average equity | $27,510,600 | 2,340 |
| Average total loans | $147,407,200 | 2,816 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 6,124 |
| Cost of funding earning assets | 1.4984% | 2,992 |
| Net interest margin | 3.1723% | 6,427 |
| Noninterest income to average assets | 0.2126% | 6,390 |
| Noninterest expense to average assets | 2.1566% | 6,721 |
| Loan and lease loss provision to assets | 0.1593% | 5,448 |
| Net operating income to assets | 0.5908% | 3,914 |
| Return on assets (ROA) | 0.6870% | 3,637 |
| Pretax return on assets | 0.9842% | 3,240 |
| Return on Equity (ROE) | 6.6707% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.6707% | 2,005 |
| Net charge-offs to loans | 0.1599% | 5,043 |
| Credit loss provision to net charge-offs | 180.7910% | 2,028 |
| Earnings coverage of net charge-offs (x) | 11.4183% | 1,791 |
| Efficiency ratio | 68.1883% | 4,429 |
| Assets per employee ($millions) | 5.1603% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,362 |
| Loan loss allowance to noncurrent loans | 120.9919% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 5,293 |
| Noncurrent loans to loans | 1.1717% | 4,904 |
| Net loans and leases to total assets | 52.3542% | 6,062 |
| Net loans and leases to deposits | 58.6485% | 6,417 |
| Net loans and leases to core deposits | 60.7336% | 6,559 |
| Total domestic deposits to total assets | 89.2677% | 1,245 |
| Equity capital to assets | 10.1423% | 3,958 |
| Core capital (leverage) ratio | 10.3217% | 2,886 |
| Tier 1 risk-based capital ratio | 14.7846% | 3,351 |
| Total risk-based capital ratio | 15.9086% | 3,400 |
| Memoranda: | ||
| Average total assets | $267,824,000 | 2,415 |
| Average earning assets | $249,064,000 | 2,385 |
| Average equity | $27,582,500 | 2,371 |
| Average total loans | $147,565,000 | 2,847 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 5,961 |
| Cost of funding earning assets | 1.5281% | 3,088 |
| Net interest margin | 3.2251% | 6,240 |
| Noninterest income to average assets | 0.2006% | 6,472 |
| Noninterest expense to average assets | 2.1581% | 6,749 |
| Loan and lease loss provision to assets | 0.1514% | 5,388 |
| Net operating income to assets | 0.6122% | 3,827 |
| Return on assets (ROA) | 0.7062% | 3,529 |
| Pretax return on assets | 1.0196% | 3,046 |
| Return on Equity (ROE) | 6.8212% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.8212% | 1,916 |
| Net charge-offs to loans | 0.1614% | 4,651 |
| Credit loss provision to net charge-offs | 168.0672% | 2,336 |
| Earnings coverage of net charge-offs (x) | 11.4874% | 1,763 |
| Efficiency ratio | 67.5913% | 4,658 |
| Assets per employee ($millions) | 5.0265% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,567 |
| Loan loss allowance to noncurrent loans | 117.2136% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 5,296 |
| Noncurrent loans to loans | 1.1704% | 5,000 |
| Net loans and leases to total assets | 53.9270% | 5,993 |
| Net loans and leases to deposits | 60.3607% | 6,384 |
| Net loans and leases to core deposits | 60.3607% | 6,687 |
| Total domestic deposits to total assets | 89.3413% | 1,263 |
| Equity capital to assets | 10.2594% | 3,692 |
| Core capital (leverage) ratio | 10.2738% | 2,865 |
| Tier 1 risk-based capital ratio | 14.5085% | 3,442 |
| Total risk-based capital ratio | 15.5986% | 3,485 |
| Memoranda: | ||
| Average total assets | $264,214,000 | 2,472 |
| Average earning assets | $245,139,330 | 2,440 |
| Average equity | $27,356,000 | 2,383 |
| Average total loans | $147,425,000 | 2,878 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 5,324 |
| Cost of funding earning assets | 1.5522% | 3,254 |
| Net interest margin | 3.3732% | 5,696 |
| Noninterest income to average assets | 0.1535% | 6,868 |
| Noninterest expense to average assets | 2.1227% | 6,880 |
| Loan and lease loss provision to assets | 0.0921% | 5,714 |
| Net operating income to assets | 0.7304% | 3,300 |
| Return on assets (ROA) | 0.7981% | 3,078 |
| Pretax return on assets | 1.1558% | 2,533 |
| Return on Equity (ROE) | 7.6723% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.6723% | 1,851 |
| Net charge-offs to loans | 0.1062% | 4,363 |
| Credit loss provision to net charge-offs | 153.8462% | 2,328 |
| Earnings coverage of net charge-offs (x) | 19.2051% | 1,208 |
| Efficiency ratio | 64.8687% | 5,329 |
| Assets per employee ($millions) | 4.9154% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,680 |
| Loan loss allowance to noncurrent loans | 175.4885% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 5,772 |
| Noncurrent loans to loans | 0.7690% | 5,788 |
| Net loans and leases to total assets | 54.4202% | 5,974 |
| Net loans and leases to deposits | 60.9787% | 6,365 |
| Net loans and leases to core deposits | 60.9787% | 6,671 |
| Total domestic deposits to total assets | 89.2446% | 1,400 |
| Equity capital to assets | 10.2898% | 3,489 |
| Core capital (leverage) ratio | 10.2715% | 2,841 |
| Tier 1 risk-based capital ratio | 14.5861% | 3,328 |
| Total risk-based capital ratio | 15.6665% | 3,394 |
| Memoranda: | ||
| Average total assets | $260,606,000 | 2,556 |
| Average earning assets | $240,955,000 | 2,528 |
| Average equity | $27,110,500 | 2,429 |
| Average total loans | $146,932,500 | 2,946 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4185% | 4,600 |
| Cost of funding earning assets | 1.8677% | 3,633 |
| Net interest margin | 3.5508% | 4,742 |
| Noninterest income to average assets | 0.2511% | 6,308 |
| Noninterest expense to average assets | 2.2826% | 6,795 |
| Loan and lease loss provision to assets | 0.1116% | 6,530 |
| Net operating income to assets | 0.8556% | 2,329 |
| Return on assets (ROA) | 0.9990% | 1,891 |
| Pretax return on assets | 1.2928% | 1,714 |
| Return on Equity (ROE) | 9.6270% | 1,807 |
| Retained earnings to average equity (ytd only) | 7.3220% | 870 |
| Net charge-offs to loans | 0.1686% | 5,602 |
| Credit loss provision to net charge-offs | 114.2857% | 4,793 |
| Earnings coverage of net charge-offs (x) | 12.4735% | 1,510 |
| Efficiency ratio | 65.2015% | 5,552 |
| Assets per employee ($millions) | 4.8261% | 2,445 |
| Cash dividends to net income (ytd only)* | 23.9425% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,617 |
| Loan loss allowance to noncurrent loans | 230.5425% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 5,730 |
| Noncurrent loans to loans | 0.5751% | 6,092 |
| Net loans and leases to total assets | 56.8791% | 5,840 |
| Net loans and leases to deposits | 63.8118% | 6,293 |
| Net loans and leases to core deposits | 69.8389% | 6,783 |
| Total domestic deposits to total assets | 89.1357% | 1,418 |
| Equity capital to assets | 10.5202% | 3,156 |
| Core capital (leverage) ratio | 10.4126% | 2,676 |
| Tier 1 risk-based capital ratio | 14.3544% | 3,289 |
| Total risk-based capital ratio | 15.4267% | 3,349 |
| Memoranda: | ||
| Average total assets | $250,858,600 | 2,599 |
| Average earning assets | $229,584,400 | 2,603 |
| Average equity | $26,031,000 | 2,526 |
| Average total loans | $145,340,000 | 2,997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4675% | 4,588 |
| Cost of funding earning assets | 1.9338% | 3,695 |
| Net interest margin | 3.5337% | 4,725 |
| Noninterest income to average assets | 0.2441% | 6,488 |
| Noninterest expense to average assets | 2.1990% | 6,978 |
| Loan and lease loss provision to assets | 0.0481% | 6,890 |
| Net operating income to assets | 0.8969% | 2,432 |
| Return on assets (ROA) | 1.0271% | 2,034 |
| Pretax return on assets | 1.4021% | 1,690 |
| Return on Equity (ROE) | 9.9333% | 1,936 |
| Retained earnings to average equity (ytd only) | 9.9333% | 649 |
| Net charge-offs to loans | 0.2053% | 4,761 |
| Credit loss provision to net charge-offs | 40.3587% | 6,420 |
| Earnings coverage of net charge-offs (x) | 10.6770% | 1,935 |
| Efficiency ratio | 63.3580% | 5,868 |
| Assets per employee ($millions) | 4.6790% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,056 |
| Loan loss allowance to noncurrent loans | 183.0943% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 5,636 |
| Noncurrent loans to loans | 0.6601% | 5,981 |
| Net loans and leases to total assets | 57.8131% | 5,915 |
| Net loans and leases to deposits | 65.1142% | 6,388 |
| Net loans and leases to core deposits | 71.3287% | 6,886 |
| Total domestic deposits to total assets | 88.7872% | 1,297 |
| Equity capital to assets | 10.6821% | 3,310 |
| Core capital (leverage) ratio | 10.4931% | 2,798 |
| Tier 1 risk-based capital ratio | 14.3466% | 3,359 |
| Total risk-based capital ratio | 15.3263% | 3,446 |
| Memoranda: | ||
| Average total assets | $249,627,500 | 2,629 |
| Average earning assets | $227,934,750 | 2,628 |
| Average equity | $25,811,500 | 2,565 |
| Average total loans | $144,814,500 | 3,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 4,281 |
| Cost of funding earning assets | 2.0794% | 3,371 |
| Net interest margin | 3.4813% | 4,887 |
| Noninterest income to average assets | 0.2397% | 6,563 |
| Noninterest expense to average assets | 2.1930% | 7,073 |
| Loan and lease loss provision to assets | 0.0483% | 6,752 |
| Net operating income to assets | 0.8569% | 2,624 |
| Return on assets (ROA) | 0.9903% | 2,241 |
| Pretax return on assets | 1.3330% | 1,924 |
| Return on Equity (ROE) | 9.6858% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.6858% | 790 |
| Net charge-offs to loans | 0.0668% | 5,565 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 31.1042% | 974 |
| Efficiency ratio | 64.6125% | 5,786 |
| Assets per employee ($millions) | 4.6780% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,985 |
| Loan loss allowance to noncurrent loans | 98.6217% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 5,458 |
| Noncurrent loans to loans | 1.3676% | 4,476 |
| Net loans and leases to total assets | 55.9395% | 6,215 |
| Net loans and leases to deposits | 62.6809% | 6,689 |
| Net loans and leases to core deposits | 69.4502% | 7,050 |
| Total domestic deposits to total assets | 89.2449% | 1,149 |
| Equity capital to assets | 10.2484% | 3,673 |
| Core capital (leverage) ratio | 10.2740% | 3,019 |
| Tier 1 risk-based capital ratio | 14.4282% | 3,290 |
| Total risk-based capital ratio | 15.5224% | 3,302 |
| Memoranda: | ||
| Average total assets | $248,614,670 | 2,648 |
| Average earning assets | $225,262,330 | 2,685 |
| Average equity | $25,418,670 | 2,607 |
| Average total loans | $143,799,000 | 3,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 3,736 |
| Cost of funding earning assets | 2.2217% | 3,051 |
| Net interest margin | 3.4914% | 4,768 |
| Noninterest income to average assets | 0.2352% | 6,580 |
| Noninterest expense to average assets | 2.2561% | 6,673 |
| Loan and lease loss provision to assets | 0.0487% | 6,363 |
| Net operating income to assets | 0.8308% | 2,991 |
| Return on assets (ROA) | 0.9553% | 2,623 |
| Pretax return on assets | 1.2651% | 2,391 |
| Return on Equity (ROE) | 9.3553% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.3553% | 1,387 |
| Net charge-offs to loans | 0.0777% | 4,400 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 25.3214% | 1,210 |
| Efficiency ratio | 66.2381% | 5,284 |
| Assets per employee ($millions) | 4.6676% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 3,795 |
| Loan loss allowance to noncurrent loans | 89.6874% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 5,069 |
| Noncurrent loans to loans | 1.5064% | 4,029 |
| Net loans and leases to total assets | 55.6793% | 6,284 |
| Net loans and leases to deposits | 62.2517% | 6,714 |
| Net loans and leases to core deposits | 69.6271% | 7,044 |
| Total domestic deposits to total assets | 89.4421% | 1,036 |
| Equity capital to assets | 10.1091% | 3,875 |
| Core capital (leverage) ratio | 10.1775% | 3,215 |
| Tier 1 risk-based capital ratio | 14.2208% | 3,464 |
| Total risk-based capital ratio | 15.3215% | 3,470 |
| Memoranda: | ||
| Average total assets | $246,615,000 | 2,688 |
| Average earning assets | $223,977,500 | 2,716 |
| Average equity | $25,183,500 | 2,632 |
| Average total loans | $144,077,000 | 3,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9781% | 5,653 |
| Cost of funding earning assets | 2.7563% | 2,895 |
| Net interest margin | 3.2218% | 6,297 |
| Noninterest income to average assets | 0.2548% | 6,626 |
| Noninterest expense to average assets | 2.0284% | 7,389 |
| Loan and lease loss provision to assets | 0.0126% | 7,213 |
| Net operating income to assets | 0.9454% | 2,808 |
| Return on assets (ROA) | 0.9963% | 2,453 |
| Pretax return on assets | 1.2679% | 2,416 |
| Return on Equity (ROE) | 10.1195% | 2,220 |
| Retained earnings to average equity (ytd only) | 7.5533% | 970 |
| Net charge-offs to loans | 0.0541% | 6,014 |
| Credit loss provision to net charge-offs | 39.4737% | 6,455 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 974 |
| Efficiency ratio | 62.5178% | 5,856 |
| Assets per employee ($millions) | 4.5506% | 2,539 |
| Cash dividends to net income (ytd only)* | 25.3593% | 4,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 3,675 |
| Loan loss allowance to noncurrent loans | 192.0921% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 5,979 |
| Noncurrent loans to loans | 0.6847% | 5,326 |
| Net loans and leases to total assets | 59.6954% | 5,956 |
| Net loans and leases to deposits | 67.8284% | 6,478 |
| Net loans and leases to core deposits | 75.9196% | 6,863 |
| Total domestic deposits to total assets | 88.0094% | 1,468 |
| Equity capital to assets | 10.3188% | 3,695 |
| Core capital (leverage) ratio | 10.2125% | 3,252 |
| Tier 1 risk-based capital ratio | 13.6282% | 3,740 |
| Total risk-based capital ratio | 14.7047% | 3,749 |
| Memoranda: | ||
| Average total assets | $237,472,600 | 2,675 |
| Average earning assets | $220,370,800 | 2,654 |
| Average equity | $23,380,600 | 2,804 |
| Average total loans | $140,467,200 | 3,092 |