Home > The Westchester Bank > Performance and Condition Ratios
The Westchester Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 2,957 |
| Cost of funding earning assets | 0.3314% | 2,284 |
| Net interest margin | 3.1197% | 3,002 |
| Noninterest income to average assets | 0.1390% | 4,502 |
| Noninterest expense to average assets | 1.3740% | 4,704 |
| Loan and lease loss provision to assets | 0.0310% | 2,375 |
| Net operating income to assets | 1.3117% | 1,785 |
| Return on assets (ROA) | 1.3117% | 1,838 |
| Pretax return on assets | 1.7269% | 1,343 |
| Return on Equity (ROE) | 12.5738% | 1,839 |
| Retained earnings to average equity (ytd only) | 12.5738% | 706 |
| Net charge-offs to loans | -0.0001% | 3,064 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8712% | 4,592 |
| Assets per employee ($millions) | 19.1142% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 1,211 |
| Loan loss allowance to noncurrent loans | 435.5110% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 2,426 |
| Noncurrent loans to loans | 0.3801% | 2,418 |
| Net loans and leases to total assets | 69.5866% | 1,118 |
| Net loans and leases to deposits | 82.2965% | 1,096 |
| Net loans and leases to core deposits | 85.7404% | 1,312 |
| Total domestic deposits to total assets | 84.5560% | 3,279 |
| Equity capital to assets | 11.0048% | 2,012 |
| Core capital (leverage) ratio | 10.7195% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7551% | 1,699 |
| Memoranda: | ||
| Average total assets | $1,288,814,500 | 782 |
| Average earning assets | $1,236,473,000 | 761 |
| Average equity | $134,446,000 | 788 |
| Average total loans | $905,171,000 | 735 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4109% | 3,150 |
| Cost of funding earning assets | 0.3356% | 2,439 |
| Net interest margin | 3.0752% | 3,100 |
| Noninterest income to average assets | 0.1428% | 4,486 |
| Noninterest expense to average assets | 1.3108% | 4,784 |
| Loan and lease loss provision to assets | 0.0465% | 2,092 |
| Net operating income to assets | 1.3173% | 1,811 |
| Return on assets (ROA) | 1.3173% | 1,880 |
| Pretax return on assets | 1.7355% | 1,398 |
| Return on Equity (ROE) | 12.8618% | 1,766 |
| Retained earnings to average equity (ytd only) | 12.8618% | 748 |
| Net charge-offs to loans | -0.0002% | 3,023 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3843% | 4,682 |
| Assets per employee ($millions) | 19.8217% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 1,164 |
| Loan loss allowance to noncurrent loans | 716.9694% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,207 |
| Noncurrent loans to loans | 0.2305% | 3,131 |
| Net loans and leases to total assets | 67.2075% | 1,555 |
| Net loans and leases to deposits | 78.7120% | 1,555 |
| Net loans and leases to core deposits | 82.0430% | 1,721 |
| Total domestic deposits to total assets | 85.3840% | 2,948 |
| Equity capital to assets | 10.2975% | 2,579 |
| Core capital (leverage) ratio | 10.1925% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2572% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,291,534,667 | 782 |
| Average earning assets | $1,238,927,000 | 754 |
| Average equity | $132,283,667 | 797 |
| Average total loans | $904,840,333 | 739 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 3,137 |
| Cost of funding earning assets | 0.3400% | 2,620 |
| Net interest margin | 3.0792% | 3,057 |
| Noninterest income to average assets | 0.1533% | 4,436 |
| Noninterest expense to average assets | 1.3373% | 4,795 |
| Loan and lease loss provision to assets | 0.0942% | 1,423 |
| Net operating income to assets | 1.2745% | 1,906 |
| Return on assets (ROA) | 1.2745% | 1,984 |
| Pretax return on assets | 1.6719% | 1,555 |
| Return on Equity (ROE) | 12.4785% | 1,844 |
| Retained earnings to average equity (ytd only) | 12.4785% | 1,034 |
| Net charge-offs to loans | -0.0004% | 3,010 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0914% | 4,627 |
| Assets per employee ($millions) | 19.3099% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,176 |
| Loan loss allowance to noncurrent loans | 531.5025% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,077 |
| Noncurrent loans to loans | 0.3099% | 2,993 |
| Net loans and leases to total assets | 68.1978% | 1,504 |
| Net loans and leases to deposits | 80.0825% | 1,516 |
| Net loans and leases to core deposits | 83.9939% | 1,683 |
| Total domestic deposits to total assets | 85.1594% | 3,040 |
| Equity capital to assets | 10.0579% | 2,657 |
| Core capital (leverage) ratio | 10.4998% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0363% | 1,887 |
| Memoranda: | ||
| Average total assets | $1,273,274,500 | 782 |
| Average earning assets | $1,219,936,000 | 756 |
| Average equity | $130,047,500 | 801 |
| Average total loans | $903,485,000 | 733 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 2,962 |
| Cost of funding earning assets | 0.6093% | 2,245 |
| Net interest margin | 3.3142% | 3,035 |
| Noninterest income to average assets | 0.0993% | 4,746 |
| Noninterest expense to average assets | 1.5218% | 4,764 |
| Loan and lease loss provision to assets | 0.3028% | 1,242 |
| Net operating income to assets | 1.0955% | 1,942 |
| Return on assets (ROA) | 1.0955% | 2,060 |
| Pretax return on assets | 1.4312% | 1,568 |
| Return on Equity (ROE) | 9.9655% | 2,018 |
| Retained earnings to average equity (ytd only) | 2.6755% | 3,517 |
| Net charge-offs to loans | 0.0948% | 1,512 |
| Credit loss provision to net charge-offs | 411.6223% | 1,406 |
| Earnings coverage of net charge-offs (x) | 23.5738% | 1,799 |
| Efficiency ratio | 46.7425% | 4,682 |
| Assets per employee ($millions) | 17.8765% | 120 |
| Cash dividends to net income (ytd only)* | 73.1529% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 1,194 |
| Loan loss allowance to noncurrent loans | 377.3556% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,730 |
| Noncurrent loans to loans | 0.4345% | 2,669 |
| Net loans and leases to total assets | 71.4879% | 1,367 |
| Net loans and leases to deposits | 84.9976% | 1,358 |
| Net loans and leases to core deposits | 89.1486% | 1,592 |
| Total domestic deposits to total assets | 84.1058% | 3,084 |
| Equity capital to assets | 10.3794% | 2,773 |
| Core capital (leverage) ratio | 10.4084% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8565% | 1,905 |
| Memoranda: | ||
| Average total assets | $1,123,003,600 | 796 |
| Average earning assets | $1,069,560,400 | 770 |
| Average equity | $123,455,600 | 796 |
| Average total loans | $871,757,000 | 736 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 2,833 |
| Cost of funding earning assets | 0.6688% | 2,206 |
| Net interest margin | 3.3785% | 2,983 |
| Noninterest income to average assets | 0.1025% | 4,756 |
| Noninterest expense to average assets | 1.5650% | 4,759 |
| Loan and lease loss provision to assets | 0.1704% | 2,291 |
| Net operating income to assets | 1.2088% | 1,615 |
| Return on assets (ROA) | 1.2088% | 1,738 |
| Pretax return on assets | 1.5815% | 1,234 |
| Return on Equity (ROE) | 10.8255% | 1,740 |
| Retained earnings to average equity (ytd only) | 1.0149% | 4,255 |
| Net charge-offs to loans | 0.1272% | 1,120 |
| Credit loss provision to net charge-offs | 169.4915% | 2,232 |
| Earnings coverage of net charge-offs (x) | 17.4249% | 2,016 |
| Efficiency ratio | 47.1817% | 4,653 |
| Assets per employee ($millions) | 17.1557% | 117 |
| Cash dividends to net income (ytd only)* | 90.6253% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,449 |
| Loan loss allowance to noncurrent loans | 828.3105% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 3,787 |
| Noncurrent loans to loans | 0.1785% | 3,669 |
| Net loans and leases to total assets | 70.4698% | 1,879 |
| Net loans and leases to deposits | 84.1393% | 1,897 |
| Net loans and leases to core deposits | 91.7380% | 1,819 |
| Total domestic deposits to total assets | 83.7537% | 2,908 |
| Equity capital to assets | 10.4452% | 2,838 |
| Core capital (leverage) ratio | 10.5026% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3762% | 2,041 |
| Memoranda: | ||
| Average total assets | $1,095,385,500 | 797 |
| Average earning assets | $1,042,175,500 | 773 |
| Average equity | $122,312,750 | 800 |
| Average total loans | $865,575,250 | 736 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,666 |
| Cost of funding earning assets | 0.7474% | 2,139 |
| Net interest margin | 3.4823% | 2,849 |
| Noninterest income to average assets | 0.1062% | 4,758 |
| Noninterest expense to average assets | 1.6419% | 4,746 |
| Loan and lease loss provision to assets | 0.0566% | 3,590 |
| Net operating income to assets | 1.3112% | 1,329 |
| Return on assets (ROA) | 1.3112% | 1,438 |
| Pretax return on assets | 1.7161% | 971 |
| Return on Equity (ROE) | 11.4635% | 1,488 |
| Retained earnings to average equity (ytd only) | -3.3792% | 4,685 |
| Net charge-offs to loans | 0.1583% | 936 |
| Credit loss provision to net charge-offs | 43.6681% | 2,653 |
| Earnings coverage of net charge-offs (x) | 13.6783% | 1,983 |
| Efficiency ratio | 48.0857% | 4,621 |
| Assets per employee ($millions) | 16.5565% | 127 |
| Cash dividends to net income (ytd only)* | 129.4778% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,028 |
| Loan loss allowance to noncurrent loans | 618.3878% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 3,706 |
| Noncurrent loans to loans | 0.2094% | 3,634 |
| Net loans and leases to total assets | 77.1930% | 966 |
| Net loans and leases to deposits | 93.1566% | 1,034 |
| Net loans and leases to core deposits | 102.1932% | 1,108 |
| Total domestic deposits to total assets | 82.8637% | 3,122 |
| Equity capital to assets | 10.5416% | 2,715 |
| Core capital (leverage) ratio | 10.6736% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8578% | 1,874 |
| Memoranda: | ||
| Average total assets | $1,060,214,333 | 806 |
| Average earning assets | $1,007,278,667 | 780 |
| Average equity | $121,271,667 | 798 |
| Average total loans | $867,777,333 | 721 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 2,188 |
| Cost of funding earning assets | 0.8804% | 1,969 |
| Net interest margin | 3.6602% | 2,472 |
| Noninterest income to average assets | 0.1179% | 4,763 |
| Noninterest expense to average assets | 1.7664% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3949% | 997 |
| Return on assets (ROA) | 1.3949% | 1,074 |
| Pretax return on assets | 1.8278% | 657 |
| Return on Equity (ROE) | 11.6702% | 1,204 |
| Retained earnings to average equity (ytd only) | -18.1260% | 4,937 |
| Net charge-offs to loans | -0.0014% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1468% | 4,706 |
| Assets per employee ($millions) | 14.0926% | 154 |
| Cash dividends to net income (ytd only)* | 255.3191% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,646 |
| Loan loss allowance to noncurrent loans | 458.8347% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,424 |
| Noncurrent loans to loans | 0.3084% | 3,393 |
| Net loans and leases to total assets | 82.1269% | 426 |
| Net loans and leases to deposits | 98.3139% | 678 |
| Net loans and leases to core deposits | 110.9948% | 802 |
| Total domestic deposits to total assets | 83.5354% | 2,937 |
| Equity capital to assets | 11.4742% | 2,456 |
| Core capital (leverage) ratio | 11.4366% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5569% | 2,054 |
| Memoranda: | ||
| Average total assets | $1,010,843,000 | 810 |
| Average earning assets | $960,047,500 | 786 |
| Average equity | $120,821,000 | 787 |
| Average total loans | $848,480,500 | 709 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,937 |
| Cost of funding earning assets | 0.9284% | 2,068 |
| Net interest margin | 3.9066% | 2,154 |
| Noninterest income to average assets | 0.1254% | 4,834 |
| Noninterest expense to average assets | 1.8914% | 4,677 |
| Loan and lease loss provision to assets | 0.0218% | 3,593 |
| Net operating income to assets | 1.5040% | 1,041 |
| Return on assets (ROA) | 1.5032% | 1,110 |
| Pretax return on assets | 1.9270% | 700 |
| Return on Equity (ROE) | 11.8697% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.8697% | 250 |
| Net charge-offs to loans | 0.0006% | 3,710 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 3,571.8000% | 19 |
| Efficiency ratio | 49.2397% | 4,773 |
| Assets per employee ($millions) | 13.9848% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,382 |
| Loan loss allowance to noncurrent loans | 490.2548% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 3,440 |
| Noncurrent loans to loans | 0.2944% | 3,376 |
| Net loans and leases to total assets | 83.3719% | 384 |
| Net loans and leases to deposits | 101.8340% | 480 |
| Net loans and leases to core deposits | 115.9430% | 602 |
| Total domestic deposits to total assets | 81.8704% | 3,538 |
| Equity capital to assets | 12.4481% | 1,849 |
| Core capital (leverage) ratio | 13.2461% | 1,135 |
| Tier 1 risk-based capital ratio | 14.1180% | 3,205 |
| Total risk-based capital ratio | 15.3723% | 3,120 |
| Memoranda: | ||
| Average total assets | $915,919,400 | 861 |
| Average earning assets | $871,188,600 | 830 |
| Average equity | $115,993,000 | 783 |
| Average total loans | $777,757,600 | 730 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 1,779 |
| Cost of funding earning assets | 0.9280% | 2,092 |
| Net interest margin | 3.9855% | 1,996 |
| Noninterest income to average assets | 0.1261% | 4,897 |
| Noninterest expense to average assets | 1.9602% | 4,628 |
| Loan and lease loss provision to assets | 0.0297% | 3,306 |
| Net operating income to assets | 1.4727% | 1,265 |
| Return on assets (ROA) | 1.4727% | 1,324 |
| Pretax return on assets | 1.9293% | 808 |
| Return on Equity (ROE) | 11.5741% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.5741% | 435 |
| Net charge-offs to loans | 0.0009% | 3,429 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 2,633.6177% | 25 |
| Efficiency ratio | 50.0152% | 4,742 |
| Assets per employee ($millions) | 13.0326% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 975 |
| Loan loss allowance to noncurrent loans | 1,242.2131% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,164 |
| Noncurrent loans to loans | 0.1297% | 4,069 |
| Net loans and leases to total assets | 83.5381% | 400 |
| Net loans and leases to deposits | 106.9496% | 293 |
| Net loans and leases to core deposits | 123.0344% | 439 |
| Total domestic deposits to total assets | 78.1098% | 4,324 |
| Equity capital to assets | 13.4882% | 1,374 |
| Core capital (leverage) ratio | 13.2775% | 1,222 |
| Tier 1 risk-based capital ratio | 15.2767% | 2,724 |
| Total risk-based capital ratio | 16.5334% | 2,652 |
| Memoranda: | ||
| Average total assets | $896,668,250 | 880 |
| Average earning assets | $853,411,250 | 848 |
| Average equity | $114,091,250 | 795 |
| Average total loans | $762,211,000 | 746 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 1,795 |
| Cost of funding earning assets | 0.9091% | 2,098 |
| Net interest margin | 3.9772% | 1,995 |
| Noninterest income to average assets | 0.1233% | 4,954 |
| Noninterest expense to average assets | 1.9832% | 4,630 |
| Loan and lease loss provision to assets | 0.0444% | 2,933 |
| Net operating income to assets | 1.4455% | 1,308 |
| Return on assets (ROA) | 1.4455% | 1,359 |
| Pretax return on assets | 1.8955% | 846 |
| Return on Equity (ROE) | 11.5892% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.5892% | 465 |
| Net charge-offs to loans | 0.0013% | 3,132 |
| Credit loss provision to net charge-offs | 4,000.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 1,746.2000% | 35 |
| Efficiency ratio | 50.5522% | 4,753 |
| Assets per employee ($millions) | 13.4146% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,078 |
| Loan loss allowance to noncurrent loans | 1,393.5632% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 4,270 |
| Noncurrent loans to loans | 0.1132% | 4,166 |
| Net loans and leases to total assets | 84.1638% | 348 |
| Net loans and leases to deposits | 103.8897% | 427 |
| Net loans and leases to core deposits | 120.0266% | 551 |
| Total domestic deposits to total assets | 81.0127% | 3,807 |
| Equity capital to assets | 12.8946% | 1,640 |
| Core capital (leverage) ratio | 12.7747% | 1,417 |
| Tier 1 risk-based capital ratio | 14.4552% | 3,088 |
| Total risk-based capital ratio | 15.7112% | 3,005 |
| Memoranda: | ||
| Average total assets | $900,152,000 | 872 |
| Average earning assets | $860,009,330 | 838 |
| Average equity | $112,276,670 | 803 |
| Average total loans | $765,463,670 | 747 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 1,851 |
| Cost of funding earning assets | 0.8934% | 2,040 |
| Net interest margin | 3.9255% | 2,111 |
| Noninterest income to average assets | 0.1221% | 5,002 |
| Noninterest expense to average assets | 1.9786% | 4,683 |
| Loan and lease loss provision to assets | 0.0666% | 2,334 |
| Net operating income to assets | 1.3903% | 1,403 |
| Return on assets (ROA) | 1.3903% | 1,438 |
| Pretax return on assets | 1.8307% | 914 |
| Return on Equity (ROE) | 11.3372% | 1,811 |
| Retained earnings to average equity (ytd only) | 11.3372% | 741 |
| Net charge-offs to loans | 0.0021% | 2,687 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 1,068.2500% | 48 |
| Efficiency ratio | 51.0482% | 4,756 |
| Assets per employee ($millions) | 13.3563% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 1,117 |
| Loan loss allowance to noncurrent loans | 1,335.7301% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,309 |
| Noncurrent loans to loans | 0.1179% | 4,213 |
| Net loans and leases to total assets | 84.3542% | 341 |
| Net loans and leases to deposits | 105.0776% | 358 |
| Net loans and leases to core deposits | 117.8792% | 583 |
| Total domestic deposits to total assets | 80.2780% | 4,122 |
| Equity capital to assets | 12.5326% | 1,720 |
| Core capital (leverage) ratio | 12.5645% | 1,468 |
| Tier 1 risk-based capital ratio | 14.1041% | 3,295 |
| Total risk-based capital ratio | 15.3602% | 3,213 |
| Memoranda: | ||
| Average total assets | $900,839,000 | 870 |
| Average earning assets | $861,453,500 | 840 |
| Average equity | $110,468,000 | 812 |
| Average total loans | $763,910,500 | 753 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 1,947 |
| Cost of funding earning assets | 0.7072% | 2,049 |
| Net interest margin | 3.9555% | 2,143 |
| Noninterest income to average assets | 0.1288% | 5,045 |
| Noninterest expense to average assets | 2.0125% | 4,731 |
| Loan and lease loss provision to assets | 0.2026% | 930 |
| Net operating income to assets | 1.3003% | 1,802 |
| Return on assets (ROA) | 1.3001% | 1,788 |
| Pretax return on assets | 1.6830% | 1,207 |
| Return on Equity (ROE) | 10.9208% | 2,114 |
| Retained earnings to average equity (ytd only) | 10.9208% | 457 |
| Net charge-offs to loans | 0.1194% | 1,544 |
| Credit loss provision to net charge-offs | 199.4220% | 1,446 |
| Earnings coverage of net charge-offs (x) | 18.5665% | 2,122 |
| Efficiency ratio | 51.6236% | 4,825 |
| Assets per employee ($millions) | 13.5344% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,102 |
| Loan loss allowance to noncurrent loans | 3,582.2823% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,660 |
| Noncurrent loans to loans | 0.0438% | 4,554 |
| Net loans and leases to total assets | 82.5926% | 576 |
| Net loans and leases to deposits | 104.3435% | 462 |
| Net loans and leases to core deposits | 117.0356% | 649 |
| Total domestic deposits to total assets | 79.1545% | 4,279 |
| Equity capital to assets | 11.9965% | 1,897 |
| Core capital (leverage) ratio | 12.5895% | 1,414 |
| Tier 1 risk-based capital ratio | 13.6054% | 3,492 |
| Total risk-based capital ratio | 14.8610% | 3,397 |
| Memoranda: | ||
| Average total assets | $851,575,000 | 894 |
| Average earning assets | $811,548,800 | 868 |
| Average equity | $101,375,600 | 842 |
| Average total loans | $724,645,800 | 757 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,908 |
| Cost of funding earning assets | 0.6723% | 2,022 |
| Net interest margin | 3.9555% | 2,107 |
| Noninterest income to average assets | 0.1294% | 5,108 |
| Noninterest expense to average assets | 2.0643% | 4,614 |
| Loan and lease loss provision to assets | 0.1790% | 1,015 |
| Net operating income to assets | 1.2738% | 1,952 |
| Return on assets (ROA) | 1.2738% | 1,957 |
| Pretax return on assets | 1.6521% | 1,407 |
| Return on Equity (ROE) | 10.7229% | 2,295 |
| Retained earnings to average equity (ytd only) | 10.7229% | 716 |
| Net charge-offs to loans | 0.1597% | 1,037 |
| Credit loss provision to net charge-offs | 131.2719% | 1,878 |
| Earnings coverage of net charge-offs (x) | 13.4259% | 2,360 |
| Efficiency ratio | 52.9926% | 4,708 |
| Assets per employee ($millions) | 12.5772% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,277 |
| Loan loss allowance to noncurrent loans | 3,184.5506% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,770 |
| Noncurrent loans to loans | 0.0478% | 4,682 |
| Net loans and leases to total assets | 84.5819% | 389 |
| Net loans and leases to deposits | 106.8021% | 408 |
| Net loans and leases to core deposits | 112.4827% | 893 |
| Total domestic deposits to total assets | 79.1950% | 4,280 |
| Equity capital to assets | 12.1544% | 1,801 |
| Core capital (leverage) ratio | 12.4004% | 1,554 |
| Tier 1 risk-based capital ratio | 13.8611% | 3,438 |
| Total risk-based capital ratio | 15.1166% | 3,343 |
| Memoranda: | ||
| Average total assets | $837,767,500 | 904 |
| Average earning assets | $797,656,250 | 879 |
| Average equity | $99,523,250 | 849 |
| Average total loans | $715,586,500 | 762 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,873 |
| Cost of funding earning assets | 0.6152% | 2,131 |
| Net interest margin | 3.9556% | 2,016 |
| Noninterest income to average assets | 0.1278% | 5,168 |
| Noninterest expense to average assets | 2.1067% | 4,591 |
| Loan and lease loss provision to assets | 0.1631% | 1,138 |
| Net operating income to assets | 1.2530% | 1,966 |
| Return on assets (ROA) | 1.2530% | 1,966 |
| Pretax return on assets | 1.6239% | 1,423 |
| Return on Equity (ROE) | 10.6338% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.6338% | 756 |
| Net charge-offs to loans | 0.2429% | 652 |
| Credit loss provision to net charge-offs | 78.7631% | 2,269 |
| Earnings coverage of net charge-offs (x) | 8.6301% | 2,452 |
| Efficiency ratio | 54.1049% | 4,679 |
| Assets per employee ($millions) | 12.4602% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,384 |
| Loan loss allowance to noncurrent loans | 2,857.4803% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,801 |
| Noncurrent loans to loans | 0.0526% | 4,679 |
| Net loans and leases to total assets | 84.1957% | 440 |
| Net loans and leases to deposits | 106.7875% | 405 |
| Net loans and leases to core deposits | 111.6650% | 901 |
| Total domestic deposits to total assets | 78.8442% | 4,454 |
| Equity capital to assets | 11.8213% | 1,978 |
| Core capital (leverage) ratio | 11.9920% | 1,720 |
| Tier 1 risk-based capital ratio | 13.4452% | 3,646 |
| Total risk-based capital ratio | 14.7003% | 3,562 |
| Memoranda: | ||
| Average total assets | $827,747,000 | 924 |
| Average earning assets | $788,040,670 | 889 |
| Average equity | $97,538,000 | 866 |
| Average total loans | $705,661,000 | 776 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 1,890 |
| Cost of funding earning assets | 0.5606% | 2,312 |
| Net interest margin | 3.9338% | 1,915 |
| Noninterest income to average assets | 0.1291% | 5,216 |
| Noninterest expense to average assets | 2.1091% | 4,637 |
| Loan and lease loss provision to assets | 0.1467% | 1,256 |
| Net operating income to assets | 1.2406% | 1,846 |
| Return on assets (ROA) | 1.2406% | 1,855 |
| Pretax return on assets | 1.6103% | 1,365 |
| Return on Equity (ROE) | 10.5460% | 2,153 |
| Retained earnings to average equity (ytd only) | 10.5460% | 1,006 |
| Net charge-offs to loans | -0.0126% | 4,346 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5535% | 4,737 |
| Assets per employee ($millions) | 12.3780% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,127 |
| Loan loss allowance to noncurrent loans | 886.4591% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,303 |
| Noncurrent loans to loans | 0.1819% | 4,155 |
| Net loans and leases to total assets | 83.7946% | 456 |
| Net loans and leases to deposits | 108.7681% | 299 |
| Net loans and leases to core deposits | 110.7312% | 961 |
| Total domestic deposits to total assets | 77.0397% | 4,851 |
| Equity capital to assets | 11.7508% | 1,950 |
| Core capital (leverage) ratio | 11.8920% | 1,719 |
| Tier 1 risk-based capital ratio | 13.2376% | 3,822 |
| Total risk-based capital ratio | 14.4936% | 3,721 |
| Memoranda: | ||
| Average total assets | $817,974,000 | 942 |
| Average earning assets | $777,068,500 | 907 |
| Average equity | $96,226,500 | 883 |
| Average total loans | $696,356,000 | 788 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 2,051 |
| Cost of funding earning assets | 0.5237% | 2,151 |
| Net interest margin | 3.8680% | 2,191 |
| Noninterest income to average assets | 0.1091% | 5,374 |
| Noninterest expense to average assets | 2.1257% | 4,709 |
| Loan and lease loss provision to assets | 0.1063% | 2,108 |
| Net operating income to assets | 0.8536% | 2,941 |
| Return on assets (ROA) | 0.8536% | 2,963 |
| Pretax return on assets | 1.5627% | 1,408 |
| Return on Equity (ROE) | 8.1983% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.1983% | 691 |
| Net charge-offs to loans | 0.0011% | 4,090 |
| Credit loss provision to net charge-offs | 11,428.5714% | 26 |
| Earnings coverage of net charge-offs (x) | 1,794.2857% | 36 |
| Efficiency ratio | 56.0178% | 4,770 |
| Assets per employee ($millions) | 12.2216% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,111 |
| Loan loss allowance to noncurrent loans | 1,512.1585% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 4,671 |
| Noncurrent loans to loans | 0.1066% | 4,507 |
| Net loans and leases to total assets | 83.7222% | 476 |
| Net loans and leases to deposits | 102.5180% | 575 |
| Net loans and leases to core deposits | 103.7841% | 1,426 |
| Total domestic deposits to total assets | 81.6658% | 3,950 |
| Equity capital to assets | 11.7776% | 1,987 |
| Core capital (leverage) ratio | 11.8641% | 1,682 |
| Tier 1 risk-based capital ratio | 13.2994% | 3,741 |
| Total risk-based capital ratio | 14.5555% | 3,654 |
| Memoranda: | ||
| Average total assets | $752,543,600 | 984 |
| Average earning assets | $717,072,200 | 960 |
| Average equity | $78,357,600 | 1,029 |
| Average total loans | $636,691,400 | 826 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 2,020 |
| Cost of funding earning assets | 0.5205% | 2,105 |
| Net interest margin | 3.8579% | 2,192 |
| Noninterest income to average assets | 0.1075% | 5,450 |
| Noninterest expense to average assets | 2.1502% | 4,634 |
| Loan and lease loss provision to assets | 0.0992% | 2,129 |
| Net operating income to assets | 1.0285% | 2,420 |
| Return on assets (ROA) | 1.0285% | 2,462 |
| Pretax return on assets | 1.5393% | 1,624 |
| Return on Equity (ROE) | 10.2446% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.2446% | 536 |
| Net charge-offs to loans | -0.0004% | 4,251 |
| Credit loss provision to net charge-offs | -27,500.0000% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7524% | 4,642 |
| Assets per employee ($millions) | 11.3742% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 1,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.5506% | 598 |
| Net loans and leases to deposits | 102.1253% | 606 |
| Net loans and leases to core deposits | 103.4964% | 1,432 |
| Total domestic deposits to total assets | 80.8327% | 4,092 |
| Equity capital to assets | 12.1937% | 1,842 |
| Core capital (leverage) ratio | 12.0400% | 1,661 |
| Tier 1 risk-based capital ratio | 13.9364% | 3,476 |
| Total risk-based capital ratio | 15.1930% | 3,395 |
| Memoranda: | ||
| Average total assets | $739,023,500 | 999 |
| Average earning assets | $705,166,250 | 976 |
| Average equity | $74,196,750 | 1,083 |
| Average total loans | $624,266,250 | 844 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 2,176 |
| Cost of funding earning assets | 0.5057% | 2,124 |
| Net interest margin | 3.7824% | 2,355 |
| Noninterest income to average assets | 0.1089% | 5,486 |
| Noninterest expense to average assets | 2.1304% | 4,717 |
| Loan and lease loss provision to assets | 0.0825% | 2,337 |
| Net operating income to assets | 1.0069% | 2,391 |
| Return on assets (ROA) | 1.0069% | 2,432 |
| Pretax return on assets | 1.5042% | 1,619 |
| Return on Equity (ROE) | 10.8546% | 1,696 |
| Retained earnings to average equity (ytd only) | 10.8546% | 462 |
| Net charge-offs to loans | -0.0006% | 4,124 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3140% | 4,672 |
| Assets per employee ($millions) | 11.7641% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 1,142 |
| Loan loss allowance to noncurrent loans | 13,389.8734% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,255 |
| Noncurrent loans to loans | 0.0124% | 5,128 |
| Net loans and leases to total assets | 83.4202% | 494 |
| Net loans and leases to deposits | 99.2590% | 793 |
| Net loans and leases to core deposits | 101.1058% | 1,577 |
| Total domestic deposits to total assets | 84.0430% | 3,182 |
| Equity capital to assets | 9.2317% | 4,692 |
| Core capital (leverage) ratio | 9.4916% | 4,141 |
| Tier 1 risk-based capital ratio | 10.4695% | 5,468 |
| Total risk-based capital ratio | 11.7257% | 5,396 |
| Memoranda: | ||
| Average total assets | $727,550,330 | 1,019 |
| Average earning assets | $694,064,670 | 993 |
| Average equity | $67,492,000 | 1,185 |
| Average total loans | $615,918,330 | 859 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,208 |
| Cost of funding earning assets | 0.5043% | 2,051 |
| Net interest margin | 3.7167% | 2,432 |
| Noninterest income to average assets | 0.1102% | 5,556 |
| Noninterest expense to average assets | 2.1878% | 4,678 |
| Loan and lease loss provision to assets | 0.0560% | 2,684 |
| Net operating income to assets | 0.9507% | 2,524 |
| Return on assets (ROA) | 0.9507% | 2,584 |
| Pretax return on assets | 1.4168% | 1,833 |
| Return on Equity (ROE) | 10.2219% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.2219% | 759 |
| Net charge-offs to loans | -0.0013% | 3,976 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7677% | 4,486 |
| Assets per employee ($millions) | 10.7468% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 1,111 |
| Loan loss allowance to noncurrent loans | 604.7786% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 4,256 |
| Noncurrent loans to loans | 0.2838% | 4,103 |
| Net loans and leases to total assets | 83.7695% | 392 |
| Net loans and leases to deposits | 100.4638% | 592 |
| Net loans and leases to core deposits | 102.5549% | 1,329 |
| Total domestic deposits to total assets | 83.3828% | 3,706 |
| Equity capital to assets | 9.4975% | 4,286 |
| Core capital (leverage) ratio | 9.4553% | 4,169 |
| Tier 1 risk-based capital ratio | 10.9267% | 5,344 |
| Total risk-based capital ratio | 12.1841% | 5,261 |
| Memoranda: | ||
| Average total assets | $714,874,000 | 1,038 |
| Average earning assets | $682,871,500 | 1,003 |
| Average equity | $66,485,000 | 1,201 |
| Average total loans | $604,552,000 | 874 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 2,452 |
| Cost of funding earning assets | 0.5427% | 1,769 |
| Net interest margin | 3.6676% | 2,829 |
| Noninterest income to average assets | 0.1281% | 5,545 |
| Noninterest expense to average assets | 2.1034% | 4,994 |
| Loan and lease loss provision to assets | 0.2568% | 810 |
| Net operating income to assets | 0.8606% | 3,023 |
| Return on assets (ROA) | 0.8643% | 3,117 |
| Pretax return on assets | 1.2710% | 2,393 |
| Return on Equity (ROE) | 9.1150% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.1150% | 567 |
| Net charge-offs to loans | 0.0134% | 3,830 |
| Credit loss provision to net charge-offs | 2,297.2973% | 188 |
| Earnings coverage of net charge-offs (x) | 136.1757% | 461 |
| Efficiency ratio | 58.0125% | 4,849 |
| Assets per employee ($millions) | 11.8108% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 1,141 |
| Loan loss allowance to noncurrent loans | 509.7222% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,155 |
| Noncurrent loans to loans | 0.3335% | 3,945 |
| Net loans and leases to total assets | 82.4866% | 540 |
| Net loans and leases to deposits | 100.4965% | 638 |
| Net loans and leases to core deposits | 102.4541% | 1,416 |
| Total domestic deposits to total assets | 82.0791% | 4,054 |
| Equity capital to assets | 9.1060% | 4,702 |
| Core capital (leverage) ratio | 9.3377% | 4,305 |
| Tier 1 risk-based capital ratio | 11.0378% | 5,328 |
| Total risk-based capital ratio | 12.2957% | 5,206 |
| Memoranda: | ||
| Average total assets | $661,916,400 | 1,072 |
| Average earning assets | $631,251,200 | 1,031 |
| Average equity | $62,764,800 | 1,245 |
| Average total loans | $552,214,200 | 900 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,380 |
| Cost of funding earning assets | 0.5510% | 1,680 |
| Net interest margin | 3.6879% | 2,764 |
| Noninterest income to average assets | 0.1320% | 5,593 |
| Noninterest expense to average assets | 2.1196% | 4,969 |
| Loan and lease loss provision to assets | 0.2472% | 770 |
| Net operating income to assets | 0.8493% | 3,155 |
| Return on assets (ROA) | 0.8542% | 3,261 |
| Pretax return on assets | 1.2886% | 2,477 |
| Return on Equity (ROE) | 8.9102% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.9102% | 846 |
| Net charge-offs to loans | 0.0183% | 3,349 |
| Credit loss provision to net charge-offs | 1,621.6216% | 289 |
| Earnings coverage of net charge-offs (x) | 100.2746% | 655 |
| Efficiency ratio | 58.1028% | 4,800 |
| Assets per employee ($millions) | 12.4722% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 1,276 |
| Loan loss allowance to noncurrent loans | 485.1613% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,250 |
| Noncurrent loans to loans | 0.3450% | 4,018 |
| Net loans and leases to total assets | 83.7264% | 432 |
| Net loans and leases to deposits | 101.1695% | 629 |
| Net loans and leases to core deposits | 103.3698% | 1,389 |
| Total domestic deposits to total assets | 82.7586% | 3,684 |
| Equity capital to assets | 9.3656% | 4,796 |
| Core capital (leverage) ratio | 9.3956% | 4,331 |
| Tier 1 risk-based capital ratio | 11.2532% | 5,225 |
| Total risk-based capital ratio | 12.5107% | 5,121 |
| Memoranda: | ||
| Average total assets | $647,280,750 | 1,102 |
| Average earning assets | $617,094,000 | 1,055 |
| Average equity | $62,054,750 | 1,268 |
| Average total loans | $539,128,250 | 910 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,332 |
| Cost of funding earning assets | 0.5646% | 1,581 |
| Net interest margin | 3.6861% | 2,747 |
| Noninterest income to average assets | 0.1312% | 5,664 |
| Noninterest expense to average assets | 2.1413% | 4,973 |
| Loan and lease loss provision to assets | 0.2207% | 945 |
| Net operating income to assets | 0.8481% | 3,104 |
| Return on assets (ROA) | 0.8506% | 3,214 |
| Pretax return on assets | 1.2841% | 2,469 |
| Return on Equity (ROE) | 8.7991% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.7991% | 904 |
| Net charge-offs to loans | 0.0385% | 2,683 |
| Credit loss provision to net charge-offs | 693.0693% | 510 |
| Earnings coverage of net charge-offs (x) | 47.1386% | 1,033 |
| Efficiency ratio | 58.7899% | 4,797 |
| Assets per employee ($millions) | 11.4967% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 1,345 |
| Loan loss allowance to noncurrent loans | 381.0878% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 4,052 |
| Noncurrent loans to loans | 0.4378% | 3,799 |
| Net loans and leases to total assets | 80.3710% | 846 |
| Net loans and leases to deposits | 95.4521% | 1,138 |
| Net loans and leases to core deposits | 96.9065% | 1,899 |
| Total domestic deposits to total assets | 84.2004% | 3,198 |
| Equity capital to assets | 9.2650% | 5,007 |
| Core capital (leverage) ratio | 9.6533% | 3,996 |
| Tier 1 risk-based capital ratio | 11.4847% | 5,169 |
| Total risk-based capital ratio | 12.7418% | 5,049 |
| Memoranda: | ||
| Average total assets | $634,384,670 | 1,116 |
| Average earning assets | $604,273,330 | 1,082 |
| Average equity | $61,324,670 | 1,278 |
| Average total loans | $524,133,330 | 934 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 1,997 |
| Cost of funding earning assets | 0.5756% | 1,506 |
| Net interest margin | 3.7637% | 2,427 |
| Noninterest income to average assets | 0.1293% | 5,695 |
| Noninterest expense to average assets | 2.2403% | 4,803 |
| Loan and lease loss provision to assets | 0.1796% | 1,127 |
| Net operating income to assets | 0.8602% | 2,950 |
| Return on assets (ROA) | 0.8602% | 3,065 |
| Pretax return on assets | 1.2926% | 2,340 |
| Return on Equity (ROE) | 8.6982% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.6982% | 1,197 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3448% | 4,700 |
| Assets per employee ($millions) | 10.6149% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 1,236 |
| Loan loss allowance to noncurrent loans | 499.7200% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 4,390 |
| Noncurrent loans to loans | 0.3510% | 4,172 |
| Net loans and leases to total assets | 82.6135% | 492 |
| Net loans and leases to deposits | 103.0993% | 456 |
| Net loans and leases to core deposits | 104.8418% | 1,144 |
| Total domestic deposits to total assets | 80.1300% | 4,722 |
| Equity capital to assets | 10.1273% | 3,920 |
| Core capital (leverage) ratio | 9.9653% | 3,582 |
| Tier 1 risk-based capital ratio | 12.0558% | 4,883 |
| Total risk-based capital ratio | 13.3135% | 4,793 |
| Memoranda: | ||
| Average total assets | $612,423,000 | 1,153 |
| Average earning assets | $583,048,000 | 1,119 |
| Average equity | $60,564,500 | 1,289 |
| Average total loans | $508,994,000 | 962 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 2,522 |
| Cost of funding earning assets | 0.5688% | 1,604 |
| Net interest margin | 3.6412% | 2,976 |
| Noninterest income to average assets | 0.1609% | 5,618 |
| Noninterest expense to average assets | 2.1483% | 5,151 |
| Loan and lease loss provision to assets | 0.2234% | 917 |
| Net operating income to assets | 0.8321% | 3,187 |
| Return on assets (ROA) | 0.8321% | 3,260 |
| Pretax return on assets | 1.2275% | 2,555 |
| Return on Equity (ROE) | 8.1101% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.1101% | 873 |
| Net charge-offs to loans | 0.0005% | 4,459 |
| Credit loss provision to net charge-offs | 62,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 4,058.5000% | 4 |
| Efficiency ratio | 59.6871% | 4,949 |
| Assets per employee ($millions) | 11.2690% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 1,349 |
| Loan loss allowance to noncurrent loans | 500.2892% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 4,470 |
| Noncurrent loans to loans | 0.3395% | 4,247 |
| Net loans and leases to total assets | 80.7621% | 743 |
| Net loans and leases to deposits | 105.1508% | 391 |
| Net loans and leases to core deposits | 107.0002% | 1,047 |
| Total domestic deposits to total assets | 76.8060% | 5,344 |
| Equity capital to assets | 9.6570% | 4,362 |
| Core capital (leverage) ratio | 10.1074% | 3,376 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,051 |
| Total risk-based capital ratio | 13.0865% | 4,969 |
| Memoranda: | ||
| Average total assets | $559,415,400 | 1,219 |
| Average earning assets | $528,259,800 | 1,195 |
| Average equity | $57,397,400 | 1,304 |
| Average total loans | $443,709,800 | 1,039 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,634 |
| Cost of funding earning assets | 0.5719% | 1,611 |
| Net interest margin | 3.6115% | 3,115 |
| Noninterest income to average assets | 0.1734% | 5,611 |
| Noninterest expense to average assets | 2.1462% | 5,181 |
| Loan and lease loss provision to assets | 0.1470% | 1,485 |
| Net operating income to assets | 0.8162% | 3,351 |
| Return on assets (ROA) | 0.8162% | 3,439 |
| Pretax return on assets | 1.2835% | 2,458 |
| Return on Equity (ROE) | 7.8237% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.8237% | 1,322 |
| Net charge-offs to loans | 0.0006% | 4,173 |
| Credit loss provision to net charge-offs | 30,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,916.2809% | 13 |
| Efficiency ratio | 60.0055% | 4,886 |
| Assets per employee ($millions) | 11.1817% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 1,467 |
| Loan loss allowance to noncurrent loans | 5,228.7582% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,684 |
| Noncurrent loans to loans | 0.0325% | 5,489 |
| Net loans and leases to total assets | 81.0449% | 696 |
| Net loans and leases to deposits | 97.0232% | 908 |
| Net loans and leases to core deposits | 98.9001% | 1,615 |
| Total domestic deposits to total assets | 83.5314% | 3,601 |
| Equity capital to assets | 10.2627% | 3,862 |
| Core capital (leverage) ratio | 10.3696% | 3,185 |
| Tier 1 risk-based capital ratio | 12.2100% | 4,955 |
| Total risk-based capital ratio | 13.4663% | 4,855 |
| Memoranda: | ||
| Average total assets | $544,320,000 | 1,255 |
| Average earning assets | $512,938,250 | 1,231 |
| Average equity | $56,783,250 | 1,327 |
| Average total loans | $427,334,500 | 1,075 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,673 |
| Cost of funding earning assets | 0.5789% | 1,577 |
| Net interest margin | 3.5830% | 3,156 |
| Noninterest income to average assets | 0.1456% | 5,832 |
| Noninterest expense to average assets | 2.1786% | 5,167 |
| Loan and lease loss provision to assets | 0.0747% | 2,621 |
| Net operating income to assets | 0.7934% | 3,425 |
| Return on assets (ROA) | 0.7934% | 3,519 |
| Pretax return on assets | 1.2549% | 2,528 |
| Return on Equity (ROE) | 7.5619% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.5619% | 1,443 |
| Net charge-offs to loans | 0.0005% | 3,883 |
| Credit loss provision to net charge-offs | 20,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 3,561.0000% | 10 |
| Efficiency ratio | 62.1009% | 4,666 |
| Assets per employee ($millions) | 11.2526% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.9736% | 1,506 |
| Net loans and leases to deposits | 88.7139% | 1,752 |
| Net loans and leases to core deposits | 90.3313% | 2,313 |
| Total domestic deposits to total assets | 84.5116% | 3,340 |
| Equity capital to assets | 10.1676% | 3,838 |
| Core capital (leverage) ratio | 10.4203% | 3,063 |
| Tier 1 risk-based capital ratio | 12.4961% | 4,807 |
| Total risk-based capital ratio | 13.7519% | 4,722 |
| Memoranda: | ||
| Average total assets | $535,670,670 | 1,279 |
| Average earning assets | $502,711,000 | 1,255 |
| Average equity | $56,202,670 | 1,351 |
| Average total loans | $413,055,000 | 1,114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,216 |
| Cost of funding earning assets | 0.6113% | 1,356 |
| Net interest margin | 3.6525% | 2,804 |
| Noninterest income to average assets | 0.1448% | 5,876 |
| Noninterest expense to average assets | 2.1846% | 5,189 |
| Loan and lease loss provision to assets | 0.1149% | 1,797 |
| Net operating income to assets | 0.8058% | 3,232 |
| Return on assets (ROA) | 0.8058% | 3,354 |
| Pretax return on assets | 1.2731% | 2,381 |
| Return on Equity (ROE) | 7.5546% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.5546% | 1,736 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1492% | 4,938 |
| Assets per employee ($millions) | 10.6541% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 1,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 75.0372% | 1,347 |
| Net loans and leases to deposits | 89.6988% | 1,422 |
| Net loans and leases to core deposits | 91.2324% | 2,004 |
| Total domestic deposits to total assets | 83.6546% | 3,954 |
| Equity capital to assets | 10.7737% | 3,232 |
| Core capital (leverage) ratio | 10.7675% | 2,664 |
| Tier 1 risk-based capital ratio | 13.3073% | 4,429 |
| Total risk-based capital ratio | 14.5646% | 4,339 |
| Memoranda: | ||
| Average total assets | $522,191,500 | 1,312 |
| Average earning assets | $490,070,500 | 1,293 |
| Average equity | $55,701,000 | 1,370 |
| Average total loans | $404,870,500 | 1,136 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 2,261 |
| Cost of funding earning assets | 0.6385% | 1,488 |
| Net interest margin | 3.7488% | 2,814 |
| Noninterest income to average assets | 0.1683% | 5,850 |
| Noninterest expense to average assets | 2.1230% | 5,517 |
| Loan and lease loss provision to assets | 0.2823% | 745 |
| Net operating income to assets | 0.8134% | 3,306 |
| Return on assets (ROA) | 0.8278% | 3,327 |
| Pretax return on assets | 1.3019% | 2,236 |
| Return on Equity (ROE) | 7.2782% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.2782% | 1,283 |
| Net charge-offs to loans | 0.0025% | 4,921 |
| Credit loss provision to net charge-offs | 14,444.4444% | 17 |
| Earnings coverage of net charge-offs (x) | 799.0000% | 53 |
| Efficiency ratio | 57.6177% | 5,503 |
| Assets per employee ($millions) | 11.6074% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 1,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.1644% | 1,113 |
| Net loans and leases to deposits | 92.2188% | 1,266 |
| Net loans and leases to core deposits | 94.0292% | 1,919 |
| Total domestic deposits to total assets | 83.6754% | 3,852 |
| Equity capital to assets | 10.5599% | 3,406 |
| Core capital (leverage) ratio | 10.6230% | 2,809 |
| Tier 1 risk-based capital ratio | 12.5538% | 5,009 |
| Total risk-based capital ratio | 13.8101% | 4,916 |
| Memoranda: | ||
| Average total assets | $460,487,000 | 1,451 |
| Average earning assets | $431,925,200 | 1,420 |
| Average equity | $52,375,600 | 1,394 |
| Average total loans | $367,070,000 | 1,205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 2,209 |
| Cost of funding earning assets | 0.6345% | 1,565 |
| Net interest margin | 3.7687% | 2,740 |
| Noninterest income to average assets | 0.1723% | 5,889 |
| Noninterest expense to average assets | 2.1305% | 5,506 |
| Loan and lease loss provision to assets | 0.2696% | 782 |
| Net operating income to assets | 0.8103% | 3,381 |
| Return on assets (ROA) | 0.8302% | 3,374 |
| Pretax return on assets | 1.3356% | 2,252 |
| Return on Equity (ROE) | 7.1489% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.1489% | 1,740 |
| Net charge-offs to loans | 0.0034% | 4,587 |
| Credit loss provision to net charge-offs | 10,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 583.7633% | 131 |
| Efficiency ratio | 57.5091% | 5,508 |
| Assets per employee ($millions) | 10.7640% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.7522% | 535 |
| Net loans and leases to deposits | 99.9247% | 619 |
| Net loans and leases to core deposits | 102.4328% | 1,190 |
| Total domestic deposits to total assets | 81.8138% | 4,545 |
| Equity capital to assets | 11.7340% | 2,281 |
| Core capital (leverage) ratio | 11.5105% | 2,055 |
| Tier 1 risk-based capital ratio | 13.4865% | 4,549 |
| Total risk-based capital ratio | 14.7431% | 4,484 |
| Memoranda: | ||
| Average total assets | $445,025,250 | 1,502 |
| Average earning assets | $417,106,750 | 1,480 |
| Average equity | $51,680,000 | 1,419 |
| Average total loans | $356,223,000 | 1,247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,423 |
| Cost of funding earning assets | 0.6214% | 1,724 |
| Net interest margin | 3.7204% | 2,878 |
| Noninterest income to average assets | 0.1690% | 5,944 |
| Noninterest expense to average assets | 2.1035% | 5,617 |
| Loan and lease loss provision to assets | 0.2733% | 757 |
| Net operating income to assets | 0.7905% | 3,377 |
| Return on assets (ROA) | 0.8208% | 3,328 |
| Pretax return on assets | 1.3246% | 2,173 |
| Return on Equity (ROE) | 7.0941% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.0941% | 1,723 |
| Net charge-offs to loans | 0.0069% | 4,145 |
| Credit loss provision to net charge-offs | 5,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 283.6667% | 238 |
| Efficiency ratio | 57.5667% | 5,601 |
| Assets per employee ($millions) | 11.1164% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 1,793 |
| Loan loss allowance to noncurrent loans | 669.9000% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 5,454 |
| Noncurrent loans to loans | 0.2716% | 5,202 |
| Net loans and leases to total assets | 79.3072% | 765 |
| Net loans and leases to deposits | 97.6998% | 688 |
| Net loans and leases to core deposits | 100.2099% | 1,268 |
| Total domestic deposits to total assets | 81.1744% | 4,926 |
| Equity capital to assets | 11.7082% | 2,235 |
| Core capital (leverage) ratio | 11.3523% | 2,115 |
| Tier 1 risk-based capital ratio | 13.7446% | 4,417 |
| Total risk-based capital ratio | 14.9792% | 4,376 |
| Memoranda: | ||
| Average total assets | $439,083,330 | 1,526 |
| Average earning assets | $411,296,670 | 1,495 |
| Average equity | $50,803,000 | 1,429 |
| Average total loans | $346,499,670 | 1,269 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,365 |
| Cost of funding earning assets | 0.6163% | 1,845 |
| Net interest margin | 3.7235% | 2,771 |
| Noninterest income to average assets | 0.1634% | 6,000 |
| Noninterest expense to average assets | 2.1154% | 5,654 |
| Loan and lease loss provision to assets | 0.2786% | 735 |
| Net operating income to assets | 0.7568% | 3,373 |
| Return on assets (ROA) | 0.7568% | 3,464 |
| Pretax return on assets | 1.2648% | 2,233 |
| Return on Equity (ROE) | 6.5828% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.5828% | 2,235 |
| Net charge-offs to loans | 0.0083% | 3,464 |
| Credit loss provision to net charge-offs | 4,285.7143% | 97 |
| Earnings coverage of net charge-offs (x) | 237.4286% | 210 |
| Efficiency ratio | 57.8173% | 5,667 |
| Assets per employee ($millions) | 11.7560% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 1,881 |
| Loan loss allowance to noncurrent loans | 2,065.8065% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 6,047 |
| Noncurrent loans to loans | 0.0898% | 5,857 |
| Net loans and leases to total assets | 77.8646% | 783 |
| Net loans and leases to deposits | 97.7522% | 560 |
| Net loans and leases to core deposits | 100.4356% | 1,071 |
| Total domestic deposits to total assets | 79.6551% | 5,556 |
| Equity capital to assets | 11.4789% | 2,270 |
| Core capital (leverage) ratio | 11.5539% | 1,933 |
| Tier 1 risk-based capital ratio | 13.7930% | 4,474 |
| Total risk-based capital ratio | 15.0454% | 4,427 |
| Memoranda: | ||
| Average total assets | $430,738,500 | 1,560 |
| Average earning assets | $404,349,500 | 1,519 |
| Average equity | $49,523,000 | 1,454 |
| Average total loans | $335,669,500 | 1,309 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 2,624 |
| Cost of funding earning assets | 0.6270% | 2,417 |
| Net interest margin | 3.7607% | 2,799 |
| Noninterest income to average assets | 0.1955% | 5,916 |
| Noninterest expense to average assets | 2.2446% | 5,518 |
| Loan and lease loss provision to assets | 0.3231% | 1,017 |
| Net operating income to assets | 0.6876% | 3,859 |
| Return on assets (ROA) | 0.6998% | 3,880 |
| Pretax return on assets | 1.1858% | 2,636 |
| Return on Equity (ROE) | 5.4827% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.4827% | 2,282 |
| Net charge-offs to loans | -0.0051% | 5,936 |
| Credit loss provision to net charge-offs | -8,120.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1051% | 5,455 |
| Assets per employee ($millions) | 12.9244% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,845 |
| Loan loss allowance to noncurrent loans | 531.3913% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 5,452 |
| Noncurrent loans to loans | 0.3525% | 5,133 |
| Net loans and leases to total assets | 75.0600% | 1,212 |
| Net loans and leases to deposits | 94.5927% | 830 |
| Net loans and leases to core deposits | 96.7283% | 1,402 |
| Total domestic deposits to total assets | 79.3507% | 5,591 |
| Equity capital to assets | 11.5160% | 2,152 |
| Core capital (leverage) ratio | 11.0516% | 2,339 |
| Tier 1 risk-based capital ratio | 14.2963% | 4,084 |
| Total risk-based capital ratio | 15.5080% | 4,055 |
| Memoranda: | ||
| Average total assets | $376,951,400 | 1,735 |
| Average earning assets | $354,716,800 | 1,694 |
| Average equity | $48,114,600 | 1,462 |
| Average total loans | $291,714,000 | 1,453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 2,510 |
| Cost of funding earning assets | 0.6190% | 2,655 |
| Net interest margin | 3.8056% | 2,621 |
| Noninterest income to average assets | 0.2008% | 5,977 |
| Noninterest expense to average assets | 2.3410% | 5,211 |
| Loan and lease loss provision to assets | 0.2966% | 1,153 |
| Net operating income to assets | 0.7256% | 3,727 |
| Return on assets (ROA) | 0.7424% | 3,763 |
| Pretax return on assets | 1.1670% | 2,821 |
| Return on Equity (ROE) | 5.6547% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.6547% | 2,632 |
| Net charge-offs to loans | -0.0066% | 5,823 |
| Credit loss provision to net charge-offs | -5,792.8571% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9592% | 5,146 |
| Assets per employee ($millions) | 12.2963% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.9039% | 1,608 |
| Net loans and leases to deposits | 91.8384% | 992 |
| Net loans and leases to core deposits | 94.0232% | 1,573 |
| Total domestic deposits to total assets | 78.2940% | 5,860 |
| Equity capital to assets | 11.6078% | 2,211 |
| Core capital (leverage) ratio | 11.5789% | 1,978 |
| Tier 1 risk-based capital ratio | 15.2235% | 3,606 |
| Total risk-based capital ratio | 16.4813% | 3,556 |
| Memoranda: | ||
| Average total assets | $364,563,250 | 1,797 |
| Average earning assets | $342,715,250 | 1,754 |
| Average equity | $47,864,250 | 1,476 |
| Average total loans | $283,081,250 | 1,501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 2,050 |
| Cost of funding earning assets | 0.6047% | 2,894 |
| Net interest margin | 3.9386% | 2,079 |
| Noninterest income to average assets | 0.1990% | 6,012 |
| Noninterest expense to average assets | 2.3955% | 5,067 |
| Loan and lease loss provision to assets | 0.3351% | 1,025 |
| Net operating income to assets | 0.7213% | 3,714 |
| Return on assets (ROA) | 0.7412% | 3,768 |
| Pretax return on assets | 1.2038% | 2,658 |
| Return on Equity (ROE) | 5.3943% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.3943% | 2,817 |
| Net charge-offs to loans | -0.0102% | 5,772 |
| Credit loss provision to net charge-offs | -4,150.0000% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3714% | 5,269 |
| Assets per employee ($millions) | 11.2472% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 2,190 |
| Loan loss allowance to noncurrent loans | 45,608.3333% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,568 |
| Noncurrent loans to loans | 0.0041% | 6,440 |
| Net loans and leases to total assets | 75.0318% | 1,101 |
| Net loans and leases to deposits | 95.7620% | 693 |
| Net loans and leases to core deposits | 97.7465% | 1,231 |
| Total domestic deposits to total assets | 78.3523% | 5,909 |
| Equity capital to assets | 12.5492% | 1,547 |
| Core capital (leverage) ratio | 12.5616% | 1,335 |
| Tier 1 risk-based capital ratio | 15.8270% | 3,301 |
| Total risk-based capital ratio | 17.0770% | 3,247 |
| Memoranda: | ||
| Average total assets | $346,726,670 | 1,880 |
| Average earning assets | $326,104,000 | 1,835 |
| Average equity | $47,642,670 | 1,494 |
| Average total loans | $275,337,000 | 1,533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 1,833 |
| Cost of funding earning assets | 0.5945% | 3,157 |
| Net interest margin | 4.0015% | 1,775 |
| Noninterest income to average assets | 0.2080% | 5,992 |
| Noninterest expense to average assets | 2.4507% | 4,949 |
| Loan and lease loss provision to assets | 0.3284% | 1,025 |
| Net operating income to assets | 0.7395% | 3,478 |
| Return on assets (ROA) | 0.7395% | 3,615 |
| Pretax return on assets | 1.1943% | 2,596 |
| Return on Equity (ROE) | 5.1233% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.1233% | 3,157 |
| Net charge-offs to loans | -0.0090% | 5,402 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6774% | 5,349 |
| Assets per employee ($millions) | 10.0988% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 2,243 |
| Loan loss allowance to noncurrent loans | 3,846.2687% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,483 |
| Noncurrent loans to loans | 0.0500% | 6,331 |
| Net loans and leases to total assets | 78.9390% | 518 |
| Net loans and leases to deposits | 101.7612% | 287 |
| Net loans and leases to core deposits | 104.2315% | 709 |
| Total domestic deposits to total assets | 77.5728% | 6,175 |
| Equity capital to assets | 14.3429% | 923 |
| Core capital (leverage) ratio | 13.7872% | 856 |
| Tier 1 risk-based capital ratio | 16.8493% | 2,832 |
| Total risk-based capital ratio | 18.1079% | 2,792 |
| Memoranda: | ||
| Average total assets | $328,887,000 | 2,001 |
| Average earning assets | $309,484,000 | 1,965 |
| Average equity | $47,469,500 | 1,516 |
| Average total loans | $266,806,000 | 1,578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 2,673 |
| Cost of funding earning assets | 0.6449% | 3,959 |
| Net interest margin | 4.0369% | 2,251 |
| Noninterest income to average assets | 0.2090% | 5,920 |
| Noninterest expense to average assets | 2.3824% | 5,461 |
| Loan and lease loss provision to assets | 0.7478% | 673 |
| Net operating income to assets | 0.5097% | 4,644 |
| Return on assets (ROA) | 0.5219% | 4,861 |
| Pretax return on assets | 0.8875% | 3,965 |
| Return on Equity (ROE) | 3.2634% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.2634% | 3,928 |
| Net charge-offs to loans | 0.0252% | 5,545 |
| Credit loss provision to net charge-offs | 3,996.2963% | 59 |
| Earnings coverage of net charge-offs (x) | 86.3704% | 449 |
| Efficiency ratio | 59.5806% | 5,602 |
| Assets per employee ($millions) | 9.8338% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,471 |
| Loan loss allowance to noncurrent loans | 3,902.4000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 6,556 |
| Noncurrent loans to loans | 0.0471% | 6,387 |
| Net loans and leases to total assets | 80.2764% | 446 |
| Net loans and leases to deposits | 108.5373% | 179 |
| Net loans and leases to core deposits | 111.0113% | 505 |
| Total domestic deposits to total assets | 73.9620% | 6,530 |
| Equity capital to assets | 14.5263% | 863 |
| Core capital (leverage) ratio | 14.6525% | 641 |
| Tier 1 risk-based capital ratio | 17.5651% | 2,434 |
| Total risk-based capital ratio | 18.8231% | 2,398 |
| Memoranda: | ||
| Average total assets | $288,570,600 | 2,217 |
| Average earning assets | $270,900,600 | 2,153 |
| Average equity | $46,148,600 | 1,510 |
| Average total loans | $214,079,400 | 1,891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 2,759 |
| Cost of funding earning assets | 0.6716% | 4,002 |
| Net interest margin | 4.0415% | 2,332 |
| Noninterest income to average assets | 0.1974% | 6,116 |
| Noninterest expense to average assets | 2.3878% | 5,434 |
| Loan and lease loss provision to assets | 0.7239% | 694 |
| Net operating income to assets | 0.5269% | 4,724 |
| Return on assets (ROA) | 0.5436% | 4,911 |
| Pretax return on assets | 0.8970% | 4,114 |
| Return on Equity (ROE) | 3.3114% | 5,572 |
| Retained earnings to average equity (ytd only) | 3.3114% | 4,541 |
| Net charge-offs to loans | 0.0066% | 5,649 |
| Credit loss provision to net charge-offs | 15,180.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 334.4756% | 135 |
| Efficiency ratio | 59.9569% | 5,509 |
| Assets per employee ($millions) | 10.2976% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 2,742 |
| Loan loss allowance to noncurrent loans | 2,446.8571% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 6,606 |
| Noncurrent loans to loans | 0.0742% | 6,432 |
| Net loans and leases to total assets | 77.5311% | 784 |
| Net loans and leases to deposits | 99.6407% | 457 |
| Net loans and leases to core deposits | 101.1927% | 1,036 |
| Total domestic deposits to total assets | 77.8107% | 6,115 |
| Equity capital to assets | 15.6538% | 676 |
| Core capital (leverage) ratio | 15.1915% | 578 |
| Tier 1 risk-based capital ratio | 19.0816% | 1,986 |
| Total risk-based capital ratio | 20.3388% | 1,955 |
| Memoranda: | ||
| Average total assets | $279,584,750 | 2,299 |
| Average earning assets | $261,840,250 | 2,239 |
| Average equity | $45,900,750 | 1,528 |
| Average total loans | $201,252,750 | 2,016 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 2,899 |
| Cost of funding earning assets | 0.7092% | 3,942 |
| Net interest margin | 3.9952% | 2,526 |
| Noninterest income to average assets | 0.1830% | 6,256 |
| Noninterest expense to average assets | 2.4162% | 5,395 |
| Loan and lease loss provision to assets | 0.7598% | 686 |
| Net operating income to assets | 0.4611% | 4,994 |
| Return on assets (ROA) | 0.4714% | 5,193 |
| Pretax return on assets | 0.7466% | 4,673 |
| Return on Equity (ROE) | 2.8234% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.8234% | 4,744 |
| Net charge-offs to loans | 0.0211% | 5,110 |
| Credit loss provision to net charge-offs | 5,190.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 101.8000% | 418 |
| Efficiency ratio | 61.8512% | 5,274 |
| Assets per employee ($millions) | 10.3307% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 2,931 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 6,610 |
| Noncurrent loans to loans | 0.1112% | 6,384 |
| Net loans and leases to total assets | 72.4020% | 1,490 |
| Net loans and leases to deposits | 86.8320% | 1,493 |
| Net loans and leases to core deposits | 88.4993% | 2,145 |
| Total domestic deposits to total assets | 83.3817% | 4,584 |
| Equity capital to assets | 15.9631% | 588 |
| Core capital (leverage) ratio | 15.6680% | 506 |
| Tier 1 risk-based capital ratio | 20.1230% | 1,683 |
| Total risk-based capital ratio | 21.3790% | 1,649 |
| Memoranda: | ||
| Average total assets | $273,236,330 | 2,347 |
| Average earning assets | $254,655,670 | 2,313 |
| Average equity | $45,618,670 | 1,528 |
| Average total loans | $189,732,670 | 2,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 2,910 |
| Cost of funding earning assets | 0.7427% | 3,921 |
| Net interest margin | 3.9933% | 2,536 |
| Noninterest income to average assets | 0.1357% | 6,570 |
| Noninterest expense to average assets | 2.3980% | 5,475 |
| Loan and lease loss provision to assets | 0.7616% | 662 |
| Net operating income to assets | 0.4056% | 5,230 |
| Return on assets (ROA) | 0.4268% | 5,325 |
| Pretax return on assets | 0.7315% | 4,684 |
| Return on Equity (ROE) | 2.4967% | 5,907 |
| Retained earnings to average equity (ytd only) | 2.4967% | 5,011 |
| Net charge-offs to loans | -0.0809% | 6,717 |
| Credit loss provision to net charge-offs | -1,402.7778% | 5,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1579% | 5,254 |
| Assets per employee ($millions) | 9.5768% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 3,048 |
| Loan loss allowance to noncurrent loans | 2,084.9057% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 6,746 |
| Noncurrent loans to loans | 0.0856% | 6,541 |
| Net loans and leases to total assets | 68.0721% | 2,100 |
| Net loans and leases to deposits | 82.6643% | 1,840 |
| Net loans and leases to core deposits | 84.2982% | 2,513 |
| Total domestic deposits to total assets | 82.3476% | 5,177 |
| Equity capital to assets | 16.9848% | 429 |
| Core capital (leverage) ratio | 16.1682% | 445 |
| Tier 1 risk-based capital ratio | 23.0603% | 1,122 |
| Total risk-based capital ratio | 24.3170% | 1,110 |
| Memoranda: | ||
| Average total assets | $265,224,500 | 2,428 |
| Average earning assets | $247,212,500 | 2,388 |
| Average equity | $45,340,500 | 1,529 |
| Average total loans | $177,988,000 | 2,266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 3,880 |
| Cost of funding earning assets | 0.8253% | 4,669 |
| Net interest margin | 3.9598% | 3,070 |
| Noninterest income to average assets | 0.1410% | 6,444 |
| Noninterest expense to average assets | 2.6236% | 5,002 |
| Loan and lease loss provision to assets | 0.6946% | 1,474 |
| Net operating income to assets | 1.1920% | 1,525 |
| Return on assets (ROA) | 1.2411% | 1,503 |
| Pretax return on assets | 0.5785% | 4,748 |
| Return on Equity (ROE) | 8.5049% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5049% | 920 |
| Net charge-offs to loans | 0.3466% | 3,668 |
| Credit loss provision to net charge-offs | 319.1147% | 733 |
| Earnings coverage of net charge-offs (x) | 5.6237% | 2,733 |
| Efficiency ratio | 68.1880% | 4,315 |
| Assets per employee ($millions) | 9.7147% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,463 |
| Loan loss allowance to noncurrent loans | 1,926.3889% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 6,823 |
| Noncurrent loans to loans | 0.0846% | 6,597 |
| Net loans and leases to total assets | 63.8019% | 3,232 |
| Net loans and leases to deposits | 77.7596% | 2,878 |
| Net loans and leases to core deposits | 79.3317% | 3,530 |
| Total domestic deposits to total assets | 82.0502% | 5,113 |
| Equity capital to assets | 17.2079% | 426 |
| Core capital (leverage) ratio | 17.1632% | 353 |
| Tier 1 risk-based capital ratio | 24.7952% | 888 |
| Total risk-based capital ratio | 26.0497% | 878 |
| Memoranda: | ||
| Average total assets | $228,348,200 | 2,746 |
| Average earning assets | $213,746,200 | 2,687 |
| Average equity | $33,322,000 | 1,995 |
| Average total loans | $143,412,400 | 2,732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 3,990 |
| Cost of funding earning assets | 0.8371% | 4,880 |
| Net interest margin | 3.9714% | 3,044 |
| Noninterest income to average assets | 0.1425% | 6,535 |
| Noninterest expense to average assets | 2.7368% | 4,587 |
| Loan and lease loss provision to assets | 0.6034% | 1,631 |
| Net operating income to assets | 0.5167% | 4,467 |
| Return on assets (ROA) | 0.5846% | 4,339 |
| Pretax return on assets | 0.5846% | 4,864 |
| Return on Equity (ROE) | 4.2323% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.2323% | 3,717 |
| Net charge-offs to loans | -0.0146% | 6,839 |
| Credit loss provision to net charge-offs | -6,633.3333% | 6,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9591% | 3,747 |
| Assets per employee ($millions) | 8.7638% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 3,210 |
| Loan loss allowance to noncurrent loans | 203.3962% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 5,710 |
| Noncurrent loans to loans | 0.8444% | 5,183 |
| Net loans and leases to total assets | 65.1737% | 3,069 |
| Net loans and leases to deposits | 80.7993% | 2,555 |
| Net loans and leases to core deposits | 82.1102% | 3,314 |
| Total domestic deposits to total assets | 80.6612% | 5,545 |
| Equity capital to assets | 18.3778% | 356 |
| Core capital (leverage) ratio | 17.7320% | 345 |
| Tier 1 risk-based capital ratio | 26.5212% | 786 |
| Total risk-based capital ratio | 27.7768% | 762 |
| Memoranda: | ||
| Average total assets | $219,860,750 | 2,841 |
| Average earning assets | $205,631,250 | 2,790 |
| Average equity | $30,368,500 | 2,173 |
| Average total loans | $136,734,250 | 2,891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 4,318 |
| Cost of funding earning assets | 0.8414% | 5,121 |
| Net interest margin | 3.9054% | 3,282 |
| Noninterest income to average assets | 0.1428% | 6,608 |
| Noninterest expense to average assets | 2.7348% | 4,680 |
| Loan and lease loss provision to assets | 0.5442% | 1,784 |
| Net operating income to assets | 0.5115% | 4,452 |
| Return on assets (ROA) | 0.6160% | 4,112 |
| Pretax return on assets | 0.6160% | 4,690 |
| Return on Equity (ROE) | 5.0777% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.0777% | 2,955 |
| Net charge-offs to loans | -0.0123% | 6,729 |
| Credit loss provision to net charge-offs | -7,287.5000% | 6,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1497% | 3,705 |
| Assets per employee ($millions) | 8.8944% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 3,607 |
| Loan loss allowance to noncurrent loans | 472.1992% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 6,606 |
| Noncurrent loans to loans | 0.3439% | 6,227 |
| Net loans and leases to total assets | 57.4106% | 4,742 |
| Net loans and leases to deposits | 70.3050% | 4,398 |
| Net loans and leases to core deposits | 71.6027% | 4,864 |
| Total domestic deposits to total assets | 81.6593% | 5,290 |
| Equity capital to assets | 17.5329% | 422 |
| Core capital (leverage) ratio | 19.7764% | 238 |
| Tier 1 risk-based capital ratio | 28.6346% | 618 |
| Total risk-based capital ratio | 29.8880% | 603 |
| Memoranda: | ||
| Average total assets | $214,273,330 | 2,921 |
| Average earning assets | $200,132,330 | 2,874 |
| Average equity | $25,996,000 | 2,462 |
| Average total loans | $130,008,670 | 3,038 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 2,984 |
| Cost of funding earning assets | 0.8761% | 5,086 |
| Net interest margin | 4.1487% | 2,086 |
| Noninterest income to average assets | 0.1470% | 6,674 |
| Noninterest expense to average assets | 2.9106% | 4,018 |
| Loan and lease loss provision to assets | 0.5483% | 1,579 |
| Net operating income to assets | 0.5265% | 4,372 |
| Return on assets (ROA) | 0.7490% | 3,346 |
| Pretax return on assets | 0.7490% | 4,100 |
| Return on Equity (ROE) | 8.4051% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,585 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0309% | 3,675 |
| Assets per employee ($millions) | 7.5831% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 4,000 |
| Loan loss allowance to noncurrent loans | 13,073.3333% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 7,179 |
| Noncurrent loans to loans | 0.0118% | 7,043 |
| Net loans and leases to total assets | 63.4963% | 3,544 |
| Net loans and leases to deposits | 70.5833% | 4,258 |
| Net loans and leases to core deposits | 72.0211% | 4,784 |
| Total domestic deposits to total assets | 89.9595% | 1,171 |
| Equity capital to assets | 9.1585% | 4,938 |
| Core capital (leverage) ratio | 8.8851% | 4,797 |
| Tier 1 risk-based capital ratio | 13.4691% | 4,443 |
| Total risk-based capital ratio | 14.7232% | 4,419 |
| Memoranda: | ||
| Average total assets | $201,335,500 | 3,096 |
| Average earning assets | $186,273,500 | 3,063 |
| Average equity | $17,941,500 | 3,404 |
| Average total loans | $124,939,500 | 3,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 4,117 |
| Cost of funding earning assets | 1.1480% | 4,863 |
| Net interest margin | 3.9471% | 3,269 |
| Noninterest income to average assets | 0.0934% | 6,926 |
| Noninterest expense to average assets | 3.1245% | 3,365 |
| Loan and lease loss provision to assets | 0.5543% | 2,917 |
| Net operating income to assets | 0.5386% | 3,933 |
| Return on assets (ROA) | 0.6669% | 3,501 |
| Pretax return on assets | 0.2824% | 5,283 |
| Return on Equity (ROE) | 7.1659% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.1659% | 1,256 |
| Net charge-offs to loans | 0.0627% | 6,163 |
| Credit loss provision to net charge-offs | 1,583.3333% | 150 |
| Earnings coverage of net charge-offs (x) | 20.2333% | 1,016 |
| Efficiency ratio | 81.5193% | 2,221 |
| Assets per employee ($millions) | 8.2204% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,641 |
| Loan loss allowance to noncurrent loans | 3,746.6667% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 7,189 |
| Noncurrent loans to loans | 0.0367% | 7,035 |
| Net loans and leases to total assets | 58.8984% | 4,869 |
| Net loans and leases to deposits | 65.1531% | 5,501 |
| Net loans and leases to core deposits | 66.6435% | 5,818 |
| Total domestic deposits to total assets | 90.4000% | 887 |
| Equity capital to assets | 8.6740% | 5,619 |
| Core capital (leverage) ratio | 8.8359% | 4,798 |
| Tier 1 risk-based capital ratio | 12.9153% | 4,671 |
| Total risk-based capital ratio | 14.1657% | 4,645 |
| Memoranda: | ||
| Average total assets | $171,384,800 | 3,510 |
| Average earning assets | $162,374,000 | 3,406 |
| Average equity | $15,950,600 | 3,776 |
| Average total loans | $95,707,600 | 3,902 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 4,135 |
| Cost of funding earning assets | 1.2112% | 4,799 |
| Net interest margin | 3.9260% | 3,424 |
| Noninterest income to average assets | 0.0778% | 7,144 |
| Noninterest expense to average assets | 3.2413% | 2,775 |
| Loan and lease loss provision to assets | 0.5780% | 2,620 |
| Net operating income to assets | 0.0082% | 5,987 |
| Return on assets (ROA) | 0.0082% | 6,112 |
| Pretax return on assets | 0.0082% | 6,074 |
| Return on Equity (ROE) | 0.0861% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.0861% | 5,744 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6845% | 1,760 |
| Assets per employee ($millions) | 7.1080% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 4,695 |
| Loan loss allowance to noncurrent loans | 251.5913% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 6,545 |
| Noncurrent loans to loans | 0.5386% | 6,131 |
| Net loans and leases to total assets | 61.5369% | 4,625 |
| Net loans and leases to deposits | 68.2229% | 5,388 |
| Net loans and leases to core deposits | 69.8755% | 5,761 |
| Total domestic deposits to total assets | 90.1998% | 775 |
| Equity capital to assets | 8.8092% | 5,851 |
| Core capital (leverage) ratio | 8.7755% | 5,051 |
| Tier 1 risk-based capital ratio | 14.2679% | 3,653 |
| Total risk-based capital ratio | 15.5201% | 3,609 |
| Memoranda: | ||
| Average total assets | $162,853,500 | 3,698 |
| Average earning assets | $155,541,250 | 3,583 |
| Average equity | $15,481,750 | 3,910 |
| Average total loans | $88,952,500 | 4,145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 5,322 |
| Cost of funding earning assets | 1.2747% | 4,690 |
| Net interest margin | 3.6408% | 4,629 |
| Noninterest income to average assets | 0.0785% | 7,194 |
| Noninterest expense to average assets | 3.2678% | 2,665 |
| Loan and lease loss provision to assets | 0.5915% | 2,420 |
| Net operating income to assets | -0.2862% | 6,460 |
| Return on assets (ROA) | -0.2862% | 6,508 |
| Pretax return on assets | -0.2862% | 6,414 |
| Return on Equity (ROE) | -2.9304% | 6,510 |
| Retained earnings to average equity (ytd only) | -2.9304% | 6,285 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4569% | 1,222 |
| Assets per employee ($millions) | 7.8613% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,804 |
| Loan loss allowance to noncurrent loans | 1,238.2353% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 7,248 |
| Noncurrent loans to loans | 0.1067% | 7,054 |
| Net loans and leases to total assets | 52.1794% | 6,192 |
| Net loans and leases to deposits | 57.5741% | 6,606 |
| Net loans and leases to core deposits | 58.9325% | 6,770 |
| Total domestic deposits to total assets | 90.6299% | 630 |
| Equity capital to assets | 8.5223% | 6,139 |
| Core capital (leverage) ratio | 8.5461% | 5,335 |
| Tier 1 risk-based capital ratio | 13.8707% | 3,821 |
| Total risk-based capital ratio | 15.0258% | 3,857 |
| Memoranda: | ||
| Average total assets | $157,904,670 | 3,830 |
| Average earning assets | $151,560,330 | 3,681 |
| Average equity | $15,424,330 | 3,907 |
| Average total loans | $81,652,330 | 4,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 5,023 |
| Cost of funding earning assets | 1.3463% | 4,529 |
| Net interest margin | 3.6521% | 4,479 |
| Noninterest income to average assets | 0.0656% | 7,393 |
| Noninterest expense to average assets | 3.4359% | 2,137 |
| Loan and lease loss provision to assets | 0.3933% | 3,010 |
| Net operating income to assets | -0.2813% | 6,645 |
| Return on assets (ROA) | -0.2813% | 6,704 |
| Pretax return on assets | -0.2813% | 6,621 |
| Return on Equity (ROE) | -2.6698% | 6,713 |
| Retained earnings to average equity (ytd only) | -2.6698% | 6,319 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8437% | 980 |
| Assets per employee ($millions) | 6.6112% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,702 |
| Loan loss allowance to noncurrent loans | 921.5686% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 7,320 |
| Noncurrent loans to loans | 0.1261% | 7,091 |
| Net loans and leases to total assets | 50.3851% | 6,431 |
| Net loans and leases to deposits | 56.2201% | 6,757 |
| Net loans and leases to core deposits | 57.6446% | 6,902 |
| Total domestic deposits to total assets | 89.6211% | 1,173 |
| Equity capital to assets | 9.7247% | 4,194 |
| Core capital (leverage) ratio | 10.4005% | 2,716 |
| Tier 1 risk-based capital ratio | 16.1715% | 2,576 |
| Total risk-based capital ratio | 17.0059% | 2,695 |
| Memoranda: | ||
| Average total assets | $146,452,500 | 4,081 |
| Average earning assets | $139,646,000 | 3,973 |
| Average equity | $15,432,000 | 3,941 |
| Average total loans | $74,674,500 | 4,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 7,092 |
| Cost of funding earning assets | 1.7857% | 4,073 |
| Net interest margin | 2.9424% | 6,777 |
| Noninterest income to average assets | 0.0624% | 7,446 |
| Noninterest expense to average assets | 4.2095% | 1,090 |
| Loan and lease loss provision to assets | 0.7035% | 3,009 |
| Net operating income to assets | -2.1584% | 7,149 |
| Return on assets (ROA) | -2.0585% | 7,111 |
| Pretax return on assets | -2.0585% | 6,961 |
| Return on Equity (ROE) | -12.0804% | 6,771 |
| Retained earnings to average equity (ytd only) | -12.0804% | 6,687 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.8145% | 299 |
| Assets per employee ($millions) | 6.1017% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,573 |
| Loan loss allowance to noncurrent loans | 750.9434% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 7,300 |
| Noncurrent loans to loans | 0.1548% | 7,041 |
| Net loans and leases to total assets | 50.4094% | 6,590 |
| Net loans and leases to deposits | 57.4563% | 6,816 |
| Net loans and leases to core deposits | 63.2116% | 7,137 |
| Total domestic deposits to total assets | 87.7351% | 2,101 |
| Equity capital to assets | 11.4976% | 2,321 |
| Core capital (leverage) ratio | 11.5475% | 1,891 |
| Tier 1 risk-based capital ratio | 21.2997% | 1,252 |
| Total risk-based capital ratio | 22.3023% | 1,254 |
| Memoranda: | ||
| Average total assets | $96,091,400 | 5,199 |
| Average earning assets | $87,920,600 | 5,199 |
| Average equity | $16,373,600 | 3,809 |
| Average total loans | $38,179,000 | 6,192 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 7,616 |
| Cost of funding earning assets | 1.8405% | 4,196 |
| Net interest margin | 2.5532% | 7,402 |
| Noninterest income to average assets | 0.0632% | 7,595 |
| Noninterest expense to average assets | 4.3594% | 853 |
| Loan and lease loss provision to assets | 0.7147% | 2,591 |
| Net operating income to assets | -2.6988% | 7,514 |
| Return on assets (ROA) | -2.5509% | 7,479 |
| Pretax return on assets | -2.5509% | 7,365 |
| Return on Equity (ROE) | -13.2940% | 7,092 |
| Retained earnings to average equity (ytd only) | -13.2940% | 7,026 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.5279% | 188 |
| Assets per employee ($millions) | 6.8386% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 5,928 |
| Loan loss allowance to noncurrent loans | 526.1261% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 7,325 |
| Noncurrent loans to loans | 0.2025% | 6,993 |
| Net loans and leases to total assets | 44.0541% | 7,242 |
| Net loans and leases to deposits | 50.9858% | 7,361 |
| Net loans and leases to core deposits | 56.8112% | 7,518 |
| Total domestic deposits to total assets | 86.4047% | 2,471 |
| Equity capital to assets | 12.8601% | 1,754 |
| Core capital (leverage) ratio | 13.9996% | 1,091 |
| Tier 1 risk-based capital ratio | 24.9357% | 905 |
| Total risk-based capital ratio | 25.8623% | 917 |
| Memoranda: | ||
| Average total assets | $86,555,000 | 5,534 |
| Average earning assets | $78,383,000 | 5,546 |
| Average equity | $16,608,500 | 3,783 |
| Average total loans | $30,607,750 | 6,647 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 7,907 |
| Cost of funding earning assets | 1.9215% | 4,153 |
| Net interest margin | 2.0835% | 7,822 |
| Noninterest income to average assets | 0.0511% | 7,731 |
| Noninterest expense to average assets | 4.9264% | 541 |
| Loan and lease loss provision to assets | 0.5620% | 2,773 |
| Net operating income to assets | -3.6033% | 7,777 |
| Return on assets (ROA) | -3.3452% | 7,734 |
| Pretax return on assets | -3.3452% | 7,645 |
| Return on Equity (ROE) | -14.7498% | 7,317 |
| Retained earnings to average equity (ytd only) | -14.7498% | 7,223 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 261.3409% | 109 |
| Assets per employee ($millions) | 6.3071% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.2195% | 7,831 |
| Net loans and leases to deposits | 38.5877% | 7,850 |
| Net loans and leases to core deposits | 43.6014% | 7,877 |
| Total domestic deposits to total assets | 83.4968% | 4,014 |
| Equity capital to assets | 16.0374% | 816 |
| Core capital (leverage) ratio | 21.7154% | 285 |
| Tier 1 risk-based capital ratio | 32.0734% | 497 |
| Total risk-based capital ratio | 32.7279% | 508 |
| Memoranda: | ||
| Average total assets | $74,375,330 | 5,968 |
| Average earning assets | $65,468,000 | 6,026 |
| Average equity | $16,868,000 | 3,739 |
| Average total loans | $22,539,670 | 7,179 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 8,061 |
| Cost of funding earning assets | 1.9912% | 4,178 |
| Net interest margin | 1.7067% | 8,003 |
| Noninterest income to average assets | 0.0327% | 7,915 |
| Noninterest expense to average assets | 5.5968% | 348 |
| Loan and lease loss provision to assets | 0.7201% | 1,781 |
| Net operating income to assets | -4.8702% | 8,030 |
| Return on assets (ROA) | -4.8702% | 8,024 |
| Pretax return on assets | -4.8702% | 7,975 |
| Return on Equity (ROE) | -17.2923% | 7,689 |
| Retained earnings to average equity (ytd only) | -17.2923% | 7,550 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 386.8778% | 58 |
| Assets per employee ($millions) | 4.7129% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 29.9751% | 7,916 |
| Net loans and leases to deposits | 39.4475% | 7,858 |
| Net loans and leases to core deposits | 44.2164% | 7,898 |
| Total domestic deposits to total assets | 75.9873% | 6,514 |
| Equity capital to assets | 22.4027% | 295 |
| Core capital (leverage) ratio | 27.9668% | 177 |
| Tier 1 risk-based capital ratio | 48.1813% | 225 |
| Total risk-based capital ratio | 48.8479% | 229 |
| Memoranda: | ||
| Average total assets | $61,106,000 | 6,434 |
| Average earning assets | $50,623,500 | 6,631 |
| Average equity | $17,210,000 | 3,692 |
| Average total loans | $17,388,000 | 7,517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7140% | 8,240 |
| Cost of funding earning assets | 0.6012% | 8,173 |
| Net interest margin | 1.1128% | 8,223 |
| Noninterest income to average assets | 0.0299% | 7,984 |
| Noninterest expense to average assets | 4.3192% | 1,025 |
| Loan and lease loss provision to assets | 0.3266% | 3,771 |
| Net operating income to assets | -3.7041% | 7,943 |
| Return on assets (ROA) | -3.7041% | 7,920 |
| Pretax return on assets | -3.7041% | 7,843 |
| Return on Equity (ROE) | -7.5678% | 7,102 |
| Retained earnings to average equity (ytd only) | -7.5678% | 6,846 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 458.6705% | 55 |
| Assets per employee ($millions) | 3.3433% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 25.2596% | 8,084 |
| Net loans and leases to deposits | 41.7567% | 7,904 |
| Net loans and leases to core deposits | 44.7926% | 7,988 |
| Total domestic deposits to total assets | 60.4922% | 7,946 |
| Equity capital to assets | 37.4461% | 113 |
| Core capital (leverage) ratio | 41.1928% | 106 |
| Tier 1 risk-based capital ratio | 45.4274% | 257 |
| Total risk-based capital ratio | 45.7413% | 267 |
| Memoranda: | ||
| Average total assets | $36,743,000 | 7,355 |
| Average earning assets | $30,104,670 | 7,504 |
| Average equity | $17,984,000 | 3,561 |
| Average total loans | $6,063,670 | 8,121 |