Home > Triad Bank > Performance and Condition Ratios
Triad Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 586 |
| Cost of funding earning assets | 1.7016% | 1,456 |
| Net interest margin | 4.3625% | 741 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9587% | 3,715 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 1.5164% | 983 |
| Return on assets (ROA) | 1.5164% | 952 |
| Pretax return on assets | 2.0320% | 636 |
| Return on Equity (ROE) | 15.2500% | 1,239 |
| Retained earnings to average equity (ytd only) | 13.9246% | 407 |
| Net charge-offs to loans | 0.0742% | 1,117 |
| Credit loss provision to net charge-offs | 658.1858% | 553 |
| Earnings coverage of net charge-offs (x) | 40.6858% | 1,437 |
| Efficiency ratio | 44.6901% | 4,235 |
| Assets per employee ($millions) | 14.6288% | 229 |
| Cash dividends to net income (ytd only)* | 8.6926% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 658 |
| Loan loss allowance to noncurrent loans | 883.2679% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,195 |
| Noncurrent loans to loans | 0.1927% | 2,546 |
| Net loans and leases to total assets | 77.8900% | 880 |
| Net loans and leases to deposits | 99.2195% | 580 |
| Net loans and leases to core deposits | 117.0938% | 713 |
| Total domestic deposits to total assets | 78.5100% | 3,669 |
| Equity capital to assets | 9.5681% | 2,297 |
| Core capital (leverage) ratio | 10.1912% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1306% | 2,200 |
| Memoranda: | ||
| Average total assets | $758,618,400 | 1,231 |
| Average earning assets | $723,666,800 | 1,196 |
| Average equity | $75,435,000 | 1,176 |
| Average total loans | $609,285,200 | 1,081 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 564 |
| Cost of funding earning assets | 1.5477% | 1,487 |
| Net interest margin | 4.4053% | 695 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9696% | 3,669 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 1.6088% | 929 |
| Return on assets (ROA) | 1.6088% | 920 |
| Pretax return on assets | 2.1181% | 633 |
| Return on Equity (ROE) | 16.0100% | 1,256 |
| Retained earnings to average equity (ytd only) | 16.0090% | 458 |
| Net charge-offs to loans | 0.0096% | 2,046 |
| Credit loss provision to net charge-offs | 4,476.7442% | 119 |
| Earnings coverage of net charge-offs (x) | 318.0930% | 432 |
| Efficiency ratio | 44.4142% | 4,208 |
| Assets per employee ($millions) | 13.3986% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 740 |
| Loan loss allowance to noncurrent loans | 524.9010% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 1,971 |
| Noncurrent loans to loans | 0.3192% | 2,088 |
| Net loans and leases to total assets | 80.0700% | 638 |
| Net loans and leases to deposits | 103.4492% | 372 |
| Net loans and leases to core deposits | 120.6698% | 536 |
| Total domestic deposits to total assets | 77.4000% | 3,887 |
| Equity capital to assets | 10.2082% | 1,701 |
| Core capital (leverage) ratio | 10.4276% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3129% | 2,155 |
| Memoranda: | ||
| Average total assets | $739,813,000 | 1,254 |
| Average earning assets | $705,043,750 | 1,218 |
| Average equity | $74,348,000 | 1,185 |
| Average total loans | $596,420,000 | 1,092 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8233% | 546 |
| Cost of funding earning assets | 1.4097% | 1,423 |
| Net interest margin | 4.4136% | 693 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.9429% | 3,731 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.6995% | 779 |
| Return on assets (ROA) | 1.6995% | 782 |
| Pretax return on assets | 2.2308% | 513 |
| Return on Equity (ROE) | 17.0100% | 1,096 |
| Retained earnings to average equity (ytd only) | 17.0071% | 392 |
| Net charge-offs to loans | -0.0041% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.6739% | 4,265 |
| Assets per employee ($millions) | 13.8007% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 892 |
| Loan loss allowance to noncurrent loans | 469.9662% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 1,865 |
| Noncurrent loans to loans | 0.3454% | 1,897 |
| Net loans and leases to total assets | 76.3200% | 1,017 |
| Net loans and leases to deposits | 96.1778% | 722 |
| Net loans and leases to core deposits | 110.4108% | 810 |
| Total domestic deposits to total assets | 79.3600% | 3,673 |
| Equity capital to assets | 9.8492% | 1,943 |
| Core capital (leverage) ratio | 10.2134% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6104% | 2,057 |
| Memoranda: | ||
| Average total assets | $727,378,000 | 1,259 |
| Average earning assets | $693,221,000 | 1,233 |
| Average equity | $72,687,333 | 1,203 |
| Average total loans | $584,284,667 | 1,093 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5857% | 542 |
| Cost of funding earning assets | 1.2708% | 1,293 |
| Net interest margin | 4.3149% | 780 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.9351% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7870% | 688 |
| Return on assets (ROA) | 1.7870% | 679 |
| Pretax return on assets | 2.3632% | 434 |
| Return on Equity (ROE) | 17.7400% | 1,059 |
| Retained earnings to average equity (ytd only) | 17.7422% | 533 |
| Net charge-offs to loans | -0.0069% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0211% | 4,267 |
| Assets per employee ($millions) | 13.8508% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 1,278 |
| Loan loss allowance to noncurrent loans | 431.1605% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 1,789 |
| Noncurrent loans to loans | 0.3467% | 1,901 |
| Net loans and leases to total assets | 76.9200% | 879 |
| Net loans and leases to deposits | 100.4429% | 425 |
| Net loans and leases to core deposits | 116.0626% | 535 |
| Total domestic deposits to total assets | 76.5800% | 4,116 |
| Equity capital to assets | 9.6778% | 2,015 |
| Core capital (leverage) ratio | 10.4764% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6994% | 2,094 |
| Memoranda: | ||
| Average total assets | $704,648,500 | 1,306 |
| Average earning assets | $671,716,500 | 1,281 |
| Average equity | $70,972,000 | 1,233 |
| Average total loans | $576,628,500 | 1,118 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 874 |
| Cost of funding earning assets | 0.5202% | 1,266 |
| Net interest margin | 3.8856% | 987 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.9604% | 3,683 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 1.1774% | 1,868 |
| Return on assets (ROA) | 1.1774% | 1,802 |
| Pretax return on assets | 1.5642% | 1,256 |
| Return on Equity (ROE) | 12.4100% | 2,003 |
| Retained earnings to average equity (ytd only) | 12.4069% | 605 |
| Net charge-offs to loans | -0.0011% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.7756% | 4,141 |
| Assets per employee ($millions) | 12.9677% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 744 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 84.5700% | 219 |
| Net loans and leases to deposits | 106.6887% | 231 |
| Net loans and leases to core deposits | 119.7767% | 372 |
| Total domestic deposits to total assets | 79.2700% | 3,969 |
| Equity capital to assets | 10.5178% | 1,445 |
| Core capital (leverage) ratio | 10.5813% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2360% | 2,272 |
| Memoranda: | ||
| Average total assets | $695,840,800 | 1,315 |
| Average earning assets | $668,053,800 | 1,277 |
| Average equity | $66,036,000 | 1,307 |
| Average total loans | $543,358,200 | 1,112 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 1,357 |
| Cost of funding earning assets | 0.5015% | 751 |
| Net interest margin | 3.4519% | 1,802 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9335% | 3,661 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.1787% | 1,777 |
| Return on assets (ROA) | 1.1787% | 1,749 |
| Pretax return on assets | 1.5701% | 1,205 |
| Return on Equity (ROE) | 12.7400% | 1,794 |
| Retained earnings to average equity (ytd only) | 12.7447% | 652 |
| Net charge-offs to loans | -0.0010% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3573% | 4,055 |
| Assets per employee ($millions) | 12.6591% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,173 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.8300% | 543 |
| Net loans and leases to deposits | 98.8311% | 412 |
| Net loans and leases to core deposits | 109.7900% | 476 |
| Total domestic deposits to total assets | 80.7800% | 4,016 |
| Equity capital to assets | 10.1988% | 1,524 |
| Core capital (leverage) ratio | 10.2175% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3840% | 2,324 |
| Memoranda: | ||
| Average total assets | $704,462,250 | 1,311 |
| Average earning assets | $677,708,500 | 1,271 |
| Average equity | $65,155,000 | 1,330 |
| Average total loans | $536,890,750 | 1,117 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 1,878 |
| Cost of funding earning assets | 0.4572% | 670 |
| Net interest margin | 3.1323% | 2,432 |
| Noninterest income to average assets | 0.3421% | 3,109 |
| Noninterest expense to average assets | 1.8171% | 3,910 |
| Loan and lease loss provision to assets | 0.0335% | 1,983 |
| Net operating income to assets | 1.1472% | 1,613 |
| Return on assets (ROA) | 1.1472% | 1,593 |
| Pretax return on assets | 1.5226% | 1,120 |
| Return on Equity (ROE) | 12.8152% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.8152% | 490 |
| Net charge-offs to loans | -0.0007% | 3,015 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8691% | 3,976 |
| Assets per employee ($millions) | 14.0239% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.7723% | 1,129 |
| Net loans and leases to deposits | 86.7182% | 928 |
| Net loans and leases to core deposits | 94.7129% | 883 |
| Total domestic deposits to total assets | 82.7650% | 3,908 |
| Equity capital to assets | 9.1498% | 2,282 |
| Core capital (leverage) ratio | 9.4786% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4547% | 2,304 |
| Memoranda: | ||
| Average total assets | $715,639,333 | 1,297 |
| Average earning assets | $692,523,333 | 1,262 |
| Average equity | $64,064,333 | 1,374 |
| Average total loans | $534,510,000 | 1,114 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 1,971 |
| Cost of funding earning assets | 0.4678% | 588 |
| Net interest margin | 2.9729% | 2,592 |
| Noninterest income to average assets | 0.4949% | 2,166 |
| Noninterest expense to average assets | 1.7505% | 4,050 |
| Loan and lease loss provision to assets | 0.0677% | 1,209 |
| Net operating income to assets | 1.1850% | 1,284 |
| Return on assets (ROA) | 1.1850% | 1,284 |
| Pretax return on assets | 1.5597% | 901 |
| Return on Equity (ROE) | 13.3898% | 957 |
| Retained earnings to average equity (ytd only) | 13.3898% | 433 |
| Net charge-offs to loans | -0.0007% | 2,992 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8209% | 4,211 |
| Assets per employee ($millions) | 13.6689% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.7990% | 763 |
| Net loans and leases to deposits | 87.7316% | 636 |
| Net loans and leases to core deposits | 96.8264% | 620 |
| Total domestic deposits to total assets | 82.9792% | 3,941 |
| Equity capital to assets | 8.7374% | 2,942 |
| Core capital (leverage) ratio | 9.0615% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6414% | 2,733 |
| Memoranda: | ||
| Average total assets | $708,838,000 | 1,311 |
| Average earning assets | $687,401,500 | 1,268 |
| Average equity | $62,734,500 | 1,437 |
| Average total loans | $536,489,500 | 1,105 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 1,773 |
| Cost of funding earning assets | 0.5787% | 606 |
| Net interest margin | 3.2599% | 2,433 |
| Noninterest income to average assets | 0.2683% | 3,781 |
| Noninterest expense to average assets | 1.8754% | 3,983 |
| Loan and lease loss provision to assets | 0.1466% | 817 |
| Net operating income to assets | 1.0742% | 2,394 |
| Return on assets (ROA) | 1.0742% | 2,467 |
| Pretax return on assets | 1.4076% | 2,027 |
| Return on Equity (ROE) | 12.5574% | 1,625 |
| Retained earnings to average equity (ytd only) | 12.5574% | 461 |
| Net charge-offs to loans | -0.0121% | 3,807 |
| Credit loss provision to net charge-offs | -1,452.3810% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6822% | 3,857 |
| Assets per employee ($millions) | 13.0797% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.6555% | 469 |
| Net loans and leases to deposits | 94.1307% | 379 |
| Net loans and leases to core deposits | 107.5000% | 333 |
| Total domestic deposits to total assets | 81.4352% | 4,051 |
| Equity capital to assets | 8.9684% | 3,651 |
| Core capital (leverage) ratio | 9.3530% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7109% | 2,724 |
| Memoranda: | ||
| Average total assets | $623,980,400 | 1,407 |
| Average earning assets | $605,103,600 | 1,364 |
| Average equity | $53,378,800 | 1,669 |
| Average total loans | $518,888,600 | 1,133 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 1,682 |
| Cost of funding earning assets | 0.6036% | 631 |
| Net interest margin | 3.3255% | 2,344 |
| Noninterest income to average assets | 0.2327% | 4,003 |
| Noninterest expense to average assets | 1.8424% | 4,077 |
| Loan and lease loss provision to assets | 0.1538% | 721 |
| Net operating income to assets | 1.1013% | 2,551 |
| Return on assets (ROA) | 1.1013% | 2,608 |
| Pretax return on assets | 1.4551% | 2,134 |
| Return on Equity (ROE) | 13.0541% | 1,678 |
| Retained earnings to average equity (ytd only) | 13.0541% | 627 |
| Net charge-offs to loans | -0.0080% | 3,589 |
| Credit loss provision to net charge-offs | -2,258.0645% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3813% | 3,888 |
| Assets per employee ($millions) | 12.7478% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.8008% | 249 |
| Net loans and leases to deposits | 100.2917% | 220 |
| Net loans and leases to core deposits | 116.7281% | 218 |
| Total domestic deposits to total assets | 80.5658% | 4,155 |
| Equity capital to assets | 8.6840% | 4,084 |
| Core capital (leverage) ratio | 8.9910% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0395% | 2,957 |
| Memoranda: | ||
| Average total assets | $606,669,250 | 1,450 |
| Average earning assets | $587,167,000 | 1,415 |
| Average equity | $51,180,750 | 1,744 |
| Average total loans | $514,003,250 | 1,159 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 1,583 |
| Cost of funding earning assets | 0.6223% | 663 |
| Net interest margin | 3.3698% | 2,241 |
| Noninterest income to average assets | 0.2317% | 4,016 |
| Noninterest expense to average assets | 1.8238% | 4,133 |
| Loan and lease loss provision to assets | 0.1520% | 780 |
| Net operating income to assets | 1.1490% | 2,372 |
| Return on assets (ROA) | 1.1490% | 2,433 |
| Pretax return on assets | 1.5185% | 1,963 |
| Return on Equity (ROE) | 13.7672% | 1,485 |
| Retained earnings to average equity (ytd only) | 13.7672% | 585 |
| Net charge-offs to loans | -0.0039% | 3,355 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1941% | 4,025 |
| Assets per employee ($millions) | 12.7084% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 85.1308% | 102 |
| Net loans and leases to deposits | 112.0545% | 90 |
| Net loans and leases to core deposits | 134.4556% | 109 |
| Total domestic deposits to total assets | 75.9726% | 4,560 |
| Equity capital to assets | 8.4955% | 4,208 |
| Core capital (leverage) ratio | 9.0582% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8180% | 2,993 |
| Memoranda: | ||
| Average total assets | $592,180,333 | 1,477 |
| Average earning assets | $573,336,000 | 1,436 |
| Average equity | $49,421,667 | 1,783 |
| Average total loans | $507,970,000 | 1,168 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 1,861 |
| Cost of funding earning assets | 0.6470% | 711 |
| Net interest margin | 3.2392% | 2,573 |
| Noninterest income to average assets | 0.2441% | 3,930 |
| Noninterest expense to average assets | 1.7570% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2337% | 2,031 |
| Return on assets (ROA) | 1.2337% | 2,117 |
| Pretax return on assets | 1.6219% | 1,667 |
| Return on Equity (ROE) | 14.9230% | 1,230 |
| Retained earnings to average equity (ytd only) | 14.9230% | 634 |
| Net charge-offs to loans | -0.0040% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9992% | 3,991 |
| Assets per employee ($millions) | 12.6828% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.3262% | 137 |
| Net loans and leases to deposits | 113.9459% | 105 |
| Net loans and leases to core deposits | 134.1794% | 117 |
| Total domestic deposits to total assets | 74.0054% | 4,671 |
| Equity capital to assets | 8.4259% | 4,177 |
| Core capital (leverage) ratio | 9.2019% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0449% | 2,924 |
| Memoranda: | ||
| Average total assets | $583,268,500 | 1,487 |
| Average earning assets | $564,452,000 | 1,438 |
| Average equity | $48,221,000 | 1,812 |
| Average total loans | $499,046,000 | 1,189 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,012 |
| Cost of funding earning assets | 0.8119% | 1,162 |
| Net interest margin | 3.4326% | 2,665 |
| Noninterest income to average assets | 0.2574% | 3,938 |
| Noninterest expense to average assets | 1.8679% | 4,367 |
| Loan and lease loss provision to assets | 0.3608% | 935 |
| Net operating income to assets | 1.0368% | 2,150 |
| Return on assets (ROA) | 1.0368% | 2,297 |
| Pretax return on assets | 1.3472% | 1,828 |
| Return on Equity (ROE) | 12.4248% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.4248% | 282 |
| Net charge-offs to loans | -0.0090% | 4,237 |
| Credit loss provision to net charge-offs | -4,671.0526% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2342% | 4,369 |
| Assets per employee ($millions) | 12.9647% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,760 |
| Loan loss allowance to noncurrent loans | 11,012.7273% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,389 |
| Noncurrent loans to loans | 0.0112% | 4,332 |
| Net loans and leases to total assets | 84.7251% | 144 |
| Net loans and leases to deposits | 121.7000% | 68 |
| Net loans and leases to core deposits | 146.7214% | 98 |
| Total domestic deposits to total assets | 69.6180% | 4,781 |
| Equity capital to assets | 8.1017% | 4,663 |
| Core capital (leverage) ratio | 9.0081% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4284% | 3,037 |
| Memoranda: | ||
| Average total assets | $491,895,400 | 1,574 |
| Average earning assets | $475,553,600 | 1,519 |
| Average equity | $41,046,800 | 1,987 |
| Average total loans | $423,911,000 | 1,287 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 721 |
| Cost of funding earning assets | 0.8425% | 1,291 |
| Net interest margin | 4.0658% | 957 |
| Noninterest income to average assets | 0.2588% | 3,927 |
| Noninterest expense to average assets | 2.1088% | 3,923 |
| Loan and lease loss provision to assets | 0.4583% | 691 |
| Net operating income to assets | 1.2561% | 1,462 |
| Return on assets (ROA) | 1.2561% | 1,580 |
| Pretax return on assets | 1.6216% | 1,125 |
| Return on Equity (ROE) | 14.7678% | 730 |
| Retained earnings to average equity (ytd only) | 14.7678% | 210 |
| Net charge-offs to loans | -0.0108% | 4,242 |
| Credit loss provision to net charge-offs | -4,924.2424% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3467% | 4,465 |
| Assets per employee ($millions) | 13.6616% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,707 |
| Loan loss allowance to noncurrent loans | 10,730.9091% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,459 |
| Noncurrent loans to loans | 0.0111% | 4,399 |
| Net loans and leases to total assets | 85.2570% | 191 |
| Net loans and leases to deposits | 131.2016% | 54 |
| Net loans and leases to core deposits | 158.4477% | 86 |
| Total domestic deposits to total assets | 64.9817% | 4,872 |
| Equity capital to assets | 7.5783% | 4,841 |
| Core capital (leverage) ratio | 8.7791% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1175% | 3,079 |
| Memoranda: | ||
| Average total assets | $472,863,250 | 1,608 |
| Average earning assets | $457,039,250 | 1,554 |
| Average equity | $40,221,750 | 2,007 |
| Average total loans | $408,152,000 | 1,322 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 231 |
| Cost of funding earning assets | 0.9100% | 1,328 |
| Net interest margin | 4.7916% | 287 |
| Noninterest income to average assets | 0.2605% | 3,913 |
| Noninterest expense to average assets | 2.2872% | 3,553 |
| Loan and lease loss provision to assets | 0.7399% | 354 |
| Net operating income to assets | 1.4608% | 998 |
| Return on assets (ROA) | 1.4608% | 1,087 |
| Pretax return on assets | 1.8606% | 724 |
| Return on Equity (ROE) | 16.3947% | 503 |
| Retained earnings to average equity (ytd only) | 16.3947% | 157 |
| Net charge-offs to loans | -0.0148% | 4,316 |
| Credit loss provision to net charge-offs | -5,803.5714% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7952% | 4,686 |
| Assets per employee ($millions) | 12.7800% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 1,986 |
| Loan loss allowance to noncurrent loans | 10,721.8182% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,530 |
| Noncurrent loans to loans | 0.0122% | 4,462 |
| Net loans and leases to total assets | 85.1858% | 177 |
| Net loans and leases to deposits | 115.7186% | 133 |
| Net loans and leases to core deposits | 140.7843% | 160 |
| Total domestic deposits to total assets | 73.6146% | 4,618 |
| Equity capital to assets | 8.0568% | 4,689 |
| Core capital (leverage) ratio | 8.8549% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2100% | 2,914 |
| Memoranda: | ||
| Average total assets | $439,222,333 | 1,687 |
| Average earning assets | $424,155,333 | 1,637 |
| Average equity | $39,134,667 | 2,032 |
| Average total loans | $379,171,000 | 1,398 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 1,593 |
| Cost of funding earning assets | 1.0774% | 1,110 |
| Net interest margin | 3.6614% | 2,467 |
| Noninterest income to average assets | 0.2409% | 4,117 |
| Noninterest expense to average assets | 2.2276% | 3,935 |
| Loan and lease loss provision to assets | 0.1714% | 1,717 |
| Net operating income to assets | 1.0332% | 2,067 |
| Return on assets (ROA) | 1.0332% | 2,163 |
| Pretax return on assets | 1.3769% | 1,632 |
| Return on Equity (ROE) | 10.9060% | 1,441 |
| Retained earnings to average equity (ytd only) | 10.9060% | 578 |
| Net charge-offs to loans | -0.0058% | 3,904 |
| Credit loss provision to net charge-offs | -3,400.0000% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9963% | 3,873 |
| Assets per employee ($millions) | 10.2693% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 85.1424% | 191 |
| Net loans and leases to deposits | 115.1206% | 120 |
| Net loans and leases to core deposits | 149.3698% | 117 |
| Total domestic deposits to total assets | 73.9593% | 4,665 |
| Equity capital to assets | 9.2823% | 4,408 |
| Core capital (leverage) ratio | 9.7389% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5313% | 3,215 |
| Memoranda: | ||
| Average total assets | $396,842,500 | 1,779 |
| Average earning assets | $383,130,500 | 1,729 |
| Average equity | $37,594,000 | 2,087 |
| Average total loans | $342,629,000 | 1,479 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 1,446 |
| Cost of funding earning assets | 1.2425% | 918 |
| Net interest margin | 3.7695% | 2,615 |
| Noninterest income to average assets | 0.2310% | 4,287 |
| Noninterest expense to average assets | 2.2616% | 4,042 |
| Loan and lease loss provision to assets | 0.1364% | 1,565 |
| Net operating income to assets | 1.0608% | 2,613 |
| Return on assets (ROA) | 1.0608% | 2,709 |
| Pretax return on assets | 1.4500% | 1,978 |
| Return on Equity (ROE) | 11.4568% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.4568% | 284 |
| Net charge-offs to loans | -0.0090% | 4,441 |
| Credit loss provision to net charge-offs | -1,839.2857% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7717% | 3,872 |
| Assets per employee ($millions) | 10.0766% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.3598% | 215 |
| Net loans and leases to deposits | 110.0508% | 188 |
| Net loans and leases to core deposits | 139.9044% | 177 |
| Total domestic deposits to total assets | 77.5640% | 4,425 |
| Equity capital to assets | 9.6782% | 4,196 |
| Core capital (leverage) ratio | 9.6331% | 3,920 |
| Tier 1 risk-based capital ratio | 10.6418% | 4,973 |
| Total risk-based capital ratio | 11.8616% | 4,910 |
| Memoranda: | ||
| Average total assets | $377,437,800 | 1,812 |
| Average earning assets | $362,168,800 | 1,773 |
| Average equity | $34,948,800 | 2,142 |
| Average total loans | $310,464,600 | 1,562 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 1,468 |
| Cost of funding earning assets | 1.2672% | 872 |
| Net interest margin | 3.7607% | 2,717 |
| Noninterest income to average assets | 0.2351% | 4,335 |
| Noninterest expense to average assets | 2.2311% | 4,119 |
| Loan and lease loss provision to assets | 0.1241% | 1,570 |
| Net operating income to assets | 1.0881% | 2,622 |
| Return on assets (ROA) | 1.0881% | 2,712 |
| Pretax return on assets | 1.4844% | 2,010 |
| Return on Equity (ROE) | 11.8877% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.8877% | 399 |
| Net charge-offs to loans | -0.0070% | 4,291 |
| Credit loss provision to net charge-offs | -2,187.5000% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1071% | 3,921 |
| Assets per employee ($millions) | 9.8522% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.5683% | 622 |
| Net loans and leases to deposits | 105.6953% | 337 |
| Net loans and leases to core deposits | 132.1948% | 268 |
| Total domestic deposits to total assets | 77.1731% | 4,490 |
| Equity capital to assets | 9.3851% | 4,535 |
| Core capital (leverage) ratio | 9.4832% | 4,181 |
| Tier 1 risk-based capital ratio | 10.6776% | 5,028 |
| Total risk-based capital ratio | 11.8814% | 4,961 |
| Memoranda: | ||
| Average total assets | $376,069,250 | 1,833 |
| Average earning assets | $360,460,000 | 1,795 |
| Average equity | $34,421,250 | 2,184 |
| Average total loans | $305,306,500 | 1,593 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,475 |
| Cost of funding earning assets | 1.2599% | 847 |
| Net interest margin | 3.7446% | 2,776 |
| Noninterest income to average assets | 0.1939% | 4,592 |
| Noninterest expense to average assets | 2.1776% | 4,278 |
| Loan and lease loss provision to assets | 0.1875% | 948 |
| Net operating income to assets | 1.0457% | 2,738 |
| Return on assets (ROA) | 1.0457% | 2,814 |
| Pretax return on assets | 1.4239% | 2,134 |
| Return on Equity (ROE) | 11.5248% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.5248% | 476 |
| Net charge-offs to loans | -0.0066% | 4,203 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4721% | 4,075 |
| Assets per employee ($millions) | 10.5188% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.8263% | 905 |
| Net loans and leases to deposits | 103.0909% | 465 |
| Net loans and leases to core deposits | 129.9237% | 329 |
| Total domestic deposits to total assets | 77.4330% | 4,499 |
| Equity capital to assets | 9.2330% | 4,625 |
| Core capital (leverage) ratio | 9.3677% | 4,289 |
| Tier 1 risk-based capital ratio | 10.8002% | 4,991 |
| Total risk-based capital ratio | 12.0508% | 4,903 |
| Memoranda: | ||
| Average total assets | $373,347,330 | 1,858 |
| Average earning assets | $358,434,330 | 1,811 |
| Average equity | $33,874,670 | 2,204 |
| Average total loans | $301,248,330 | 1,620 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 1,474 |
| Cost of funding earning assets | 1.2374% | 803 |
| Net interest margin | 3.7143% | 2,843 |
| Noninterest income to average assets | 0.1554% | 4,812 |
| Noninterest expense to average assets | 2.0816% | 4,488 |
| Loan and lease loss provision to assets | 0.2428% | 605 |
| Net operating income to assets | 1.0305% | 2,743 |
| Return on assets (ROA) | 1.0305% | 2,782 |
| Pretax return on assets | 1.3909% | 2,114 |
| Return on Equity (ROE) | 11.4610% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.4610% | 711 |
| Net charge-offs to loans | -0.0054% | 4,044 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0267% | 4,333 |
| Assets per employee ($millions) | 11.1968% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.4902% | 1,076 |
| Net loans and leases to deposits | 100.1716% | 623 |
| Net loans and leases to core deposits | 126.4386% | 368 |
| Total domestic deposits to total assets | 78.3557% | 4,459 |
| Equity capital to assets | 8.8951% | 4,755 |
| Core capital (leverage) ratio | 9.2782% | 4,385 |
| Tier 1 risk-based capital ratio | 10.6266% | 5,141 |
| Total risk-based capital ratio | 11.8574% | 5,044 |
| Memoranda: | ||
| Average total assets | $370,683,000 | 1,873 |
| Average earning assets | $355,275,000 | 1,823 |
| Average equity | $33,330,500 | 2,230 |
| Average total loans | $298,700,500 | 1,643 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,780 |
| Cost of funding earning assets | 0.9022% | 1,085 |
| Net interest margin | 3.8117% | 2,626 |
| Noninterest income to average assets | 0.2270% | 4,554 |
| Noninterest expense to average assets | 2.3561% | 3,981 |
| Loan and lease loss provision to assets | 0.1749% | 1,134 |
| Net operating income to assets | 0.9949% | 3,030 |
| Return on assets (ROA) | 0.9949% | 3,022 |
| Pretax return on assets | 1.3555% | 2,296 |
| Return on Equity (ROE) | 10.6138% | 2,239 |
| Retained earnings to average equity (ytd only) | 10.6138% | 506 |
| Net charge-offs to loans | -0.0237% | 4,742 |
| Credit loss provision to net charge-offs | -878.7879% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6237% | 3,754 |
| Assets per employee ($millions) | 9.7479% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 80.6723% | 842 |
| Net loans and leases to deposits | 104.8126% | 436 |
| Net loans and leases to core deposits | 135.3352% | 245 |
| Total domestic deposits to total assets | 76.9681% | 4,637 |
| Equity capital to assets | 9.0935% | 4,494 |
| Core capital (leverage) ratio | 9.4830% | 4,132 |
| Tier 1 risk-based capital ratio | 10.4928% | 5,182 |
| Total risk-based capital ratio | 11.6710% | 5,118 |
| Memoranda: | ||
| Average total assets | $331,688,200 | 1,980 |
| Average earning assets | $318,442,800 | 1,937 |
| Average equity | $31,091,600 | 2,278 |
| Average total loans | $279,012,200 | 1,680 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 1,811 |
| Cost of funding earning assets | 0.8417% | 1,145 |
| Net interest margin | 3.8146% | 2,594 |
| Noninterest income to average assets | 0.2593% | 4,420 |
| Noninterest expense to average assets | 2.3626% | 3,944 |
| Loan and lease loss provision to assets | 0.1767% | 1,036 |
| Net operating income to assets | 1.0068% | 3,055 |
| Return on assets (ROA) | 1.0068% | 3,070 |
| Pretax return on assets | 1.3779% | 2,308 |
| Return on Equity (ROE) | 10.6525% | 2,325 |
| Retained earnings to average equity (ytd only) | 10.6525% | 733 |
| Net charge-offs to loans | -0.0145% | 4,503 |
| Credit loss provision to net charge-offs | -1,433.3333% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3126% | 3,771 |
| Assets per employee ($millions) | 9.2713% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,450 |
| Loan loss allowance to noncurrent loans | 3,905.5556% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,851 |
| Noncurrent loans to loans | 0.0315% | 4,751 |
| Net loans and leases to total assets | 84.5757% | 391 |
| Net loans and leases to deposits | 109.6568% | 299 |
| Net loans and leases to core deposits | 144.6051% | 179 |
| Total domestic deposits to total assets | 77.1277% | 4,624 |
| Equity capital to assets | 9.5471% | 4,036 |
| Core capital (leverage) ratio | 9.6158% | 4,036 |
| Tier 1 risk-based capital ratio | 10.1559% | 5,345 |
| Total risk-based capital ratio | 11.2682% | 5,325 |
| Memoranda: | ||
| Average total assets | $324,441,750 | 2,031 |
| Average earning assets | $311,108,750 | 1,972 |
| Average equity | $30,665,000 | 2,306 |
| Average total loans | $275,099,000 | 1,703 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 1,809 |
| Cost of funding earning assets | 0.8044% | 1,109 |
| Net interest margin | 3.7857% | 2,614 |
| Noninterest income to average assets | 0.2795% | 4,318 |
| Noninterest expense to average assets | 2.3571% | 4,007 |
| Loan and lease loss provision to assets | 0.2054% | 827 |
| Net operating income to assets | 0.9853% | 3,087 |
| Return on assets (ROA) | 0.9853% | 3,088 |
| Pretax return on assets | 1.3494% | 2,330 |
| Return on Equity (ROE) | 10.4609% | 2,355 |
| Retained earnings to average equity (ytd only) | 10.4609% | 804 |
| Net charge-offs to loans | -0.0162% | 4,483 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2546% | 3,902 |
| Assets per employee ($millions) | 9.6424% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.2517% | 685 |
| Net loans and leases to deposits | 103.3155% | 568 |
| Net loans and leases to core deposits | 132.5200% | 289 |
| Total domestic deposits to total assets | 79.6121% | 4,329 |
| Equity capital to assets | 9.1939% | 4,388 |
| Core capital (leverage) ratio | 9.4320% | 4,197 |
| Tier 1 risk-based capital ratio | 10.4220% | 5,300 |
| Total risk-based capital ratio | 11.5596% | 5,255 |
| Memoranda: | ||
| Average total assets | $321,333,670 | 2,056 |
| Average earning assets | $308,317,330 | 1,997 |
| Average equity | $30,265,000 | 2,336 |
| Average total loans | $271,532,000 | 1,727 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 1,878 |
| Cost of funding earning assets | 0.7794% | 1,052 |
| Net interest margin | 3.7173% | 2,736 |
| Noninterest income to average assets | 0.2056% | 4,797 |
| Noninterest expense to average assets | 2.4414% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9781% | 2,946 |
| Return on assets (ROA) | 0.9781% | 2,975 |
| Pretax return on assets | 1.3331% | 2,236 |
| Return on Equity (ROE) | 10.2531% | 2,298 |
| Retained earnings to average equity (ytd only) | 10.2531% | 1,082 |
| Net charge-offs to loans | -0.0600% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6820% | 3,375 |
| Assets per employee ($millions) | 9.4102% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,509 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.1068% | 652 |
| Net loans and leases to deposits | 103.4464% | 512 |
| Net loans and leases to core deposits | 136.0014% | 259 |
| Total domestic deposits to total assets | 79.3713% | 4,517 |
| Equity capital to assets | 9.4490% | 4,138 |
| Core capital (leverage) ratio | 9.6959% | 3,851 |
| Tier 1 risk-based capital ratio | 10.6587% | 5,300 |
| Total risk-based capital ratio | 11.7446% | 5,265 |
| Memoranda: | ||
| Average total assets | $313,258,000 | 2,126 |
| Average earning assets | $300,753,500 | 2,057 |
| Average equity | $29,883,500 | 2,377 |
| Average total loans | $266,801,000 | 1,763 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,407 |
| Cost of funding earning assets | 0.5540% | 1,919 |
| Net interest margin | 3.7224% | 2,707 |
| Noninterest income to average assets | 0.2444% | 4,673 |
| Noninterest expense to average assets | 2.4620% | 3,906 |
| Loan and lease loss provision to assets | 0.0779% | 2,640 |
| Net operating income to assets | 0.6757% | 3,703 |
| Return on assets (ROA) | 0.6757% | 3,755 |
| Pretax return on assets | 1.2721% | 2,462 |
| Return on Equity (ROE) | 6.9902% | 3,281 |
| Retained earnings to average equity (ytd only) | 5.9525% | 1,566 |
| Net charge-offs to loans | 0.1307% | 1,747 |
| Credit loss provision to net charge-offs | 71.4724% | 3,069 |
| Earnings coverage of net charge-offs (x) | 12.3865% | 2,482 |
| Efficiency ratio | 64.5852% | 3,515 |
| Assets per employee ($millions) | 9.0167% | 447 |
| Cash dividends to net income (ytd only)* | 14.8441% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,514 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.3603% | 234 |
| Net loans and leases to deposits | 110.2779% | 262 |
| Net loans and leases to core deposits | 138.1361% | 233 |
| Total domestic deposits to total assets | 78.3115% | 4,666 |
| Equity capital to assets | 9.6341% | 4,106 |
| Core capital (leverage) ratio | 9.5794% | 3,938 |
| Tier 1 risk-based capital ratio | 10.3527% | 5,426 |
| Total risk-based capital ratio | 11.4212% | 5,414 |
| Memoranda: | ||
| Average total assets | $299,112,200 | 2,172 |
| Average earning assets | $286,668,200 | 2,119 |
| Average equity | $28,912,000 | 2,437 |
| Average total loans | $249,390,600 | 1,822 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,616 |
| Cost of funding earning assets | 0.5333% | 2,004 |
| Net interest margin | 3.6669% | 2,881 |
| Noninterest income to average assets | 0.2431% | 4,749 |
| Noninterest expense to average assets | 2.3854% | 4,056 |
| Loan and lease loss provision to assets | 0.0224% | 3,697 |
| Net operating income to assets | 0.8253% | 3,412 |
| Return on assets (ROA) | 0.8253% | 3,445 |
| Pretax return on assets | 1.3479% | 2,295 |
| Return on Equity (ROE) | 8.5313% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.5313% | 998 |
| Net charge-offs to loans | 0.1171% | 1,620 |
| Credit loss provision to net charge-offs | 23.2558% | 3,138 |
| Earnings coverage of net charge-offs (x) | 14.2093% | 2,307 |
| Efficiency ratio | 63.5137% | 3,645 |
| Assets per employee ($millions) | 9.1518% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,624 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.7592% | 732 |
| Net loans and leases to deposits | 102.5863% | 574 |
| Net loans and leases to core deposits | 130.7154% | 329 |
| Total domestic deposits to total assets | 79.6980% | 4,393 |
| Equity capital to assets | 9.8474% | 4,090 |
| Core capital (leverage) ratio | 10.1136% | 3,425 |
| Tier 1 risk-based capital ratio | 10.8411% | 5,320 |
| Total risk-based capital ratio | 11.9297% | 5,310 |
| Memoranda: | ||
| Average total assets | $297,248,250 | 2,198 |
| Average earning assets | $284,739,250 | 2,141 |
| Average equity | $28,756,250 | 2,461 |
| Average total loans | $244,786,250 | 1,854 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 2,707 |
| Cost of funding earning assets | 0.5314% | 1,902 |
| Net interest margin | 3.6110% | 2,996 |
| Noninterest income to average assets | 0.2401% | 4,802 |
| Noninterest expense to average assets | 2.3764% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8151% | 3,332 |
| Return on assets (ROA) | 0.8151% | 3,383 |
| Pretax return on assets | 1.3340% | 2,256 |
| Return on Equity (ROE) | 8.4775% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.4775% | 1,001 |
| Net charge-offs to loans | -0.0074% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0474% | 3,657 |
| Assets per employee ($millions) | 8.5374% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,385 |
| Loan loss allowance to noncurrent loans | 506.0897% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 4,146 |
| Noncurrent loans to loans | 0.2579% | 4,114 |
| Net loans and leases to total assets | 82.2644% | 630 |
| Net loans and leases to deposits | 103.2137% | 538 |
| Net loans and leases to core deposits | 125.9728% | 398 |
| Total domestic deposits to total assets | 79.7030% | 4,478 |
| Equity capital to assets | 10.0217% | 3,885 |
| Core capital (leverage) ratio | 9.9870% | 3,555 |
| Tier 1 risk-based capital ratio | 11.1820% | 5,153 |
| Total risk-based capital ratio | 12.3968% | 5,060 |
| Memoranda: | ||
| Average total assets | $295,661,330 | 2,216 |
| Average earning assets | $284,130,000 | 2,149 |
| Average equity | $28,428,330 | 2,476 |
| Average total loans | $243,080,670 | 1,865 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 2,847 |
| Cost of funding earning assets | 0.5314% | 1,851 |
| Net interest margin | 3.5206% | 3,198 |
| Noninterest income to average assets | 0.2078% | 5,025 |
| Noninterest expense to average assets | 2.2939% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8057% | 3,195 |
| Return on assets (ROA) | 0.8057% | 3,257 |
| Pretax return on assets | 1.2978% | 2,241 |
| Return on Equity (ROE) | 8.5559% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.5559% | 1,254 |
| Net charge-offs to loans | -0.0066% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8671% | 3,860 |
| Assets per employee ($millions) | 8.6995% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,409 |
| Loan loss allowance to noncurrent loans | 1,083.1615% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,745 |
| Noncurrent loans to loans | 0.1224% | 4,697 |
| Net loans and leases to total assets | 79.2818% | 934 |
| Net loans and leases to deposits | 99.7673% | 628 |
| Net loans and leases to core deposits | 124.7975% | 348 |
| Total domestic deposits to total assets | 79.4667% | 4,721 |
| Equity capital to assets | 9.6097% | 4,173 |
| Core capital (leverage) ratio | 9.7237% | 3,842 |
| Tier 1 risk-based capital ratio | 11.1633% | 5,222 |
| Total risk-based capital ratio | 12.4005% | 5,128 |
| Memoranda: | ||
| Average total assets | $298,357,000 | 2,217 |
| Average earning assets | $286,772,500 | 2,150 |
| Average equity | $28,097,500 | 2,506 |
| Average total loans | $243,647,500 | 1,875 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 2,635 |
| Cost of funding earning assets | 0.5013% | 2,082 |
| Net interest margin | 3.6565% | 2,869 |
| Noninterest income to average assets | 0.3041% | 4,568 |
| Noninterest expense to average assets | 2.4239% | 4,230 |
| Loan and lease loss provision to assets | 0.1850% | 1,277 |
| Net operating income to assets | 0.7270% | 3,655 |
| Return on assets (ROA) | 0.7425% | 3,689 |
| Pretax return on assets | 1.2105% | 2,620 |
| Return on Equity (ROE) | 7.8609% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.8609% | 897 |
| Net charge-offs to loans | -0.0030% | 4,747 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8685% | 3,959 |
| Assets per employee ($millions) | 9.7075% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,755 |
| Loan loss allowance to noncurrent loans | 445.8924% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,368 |
| Noncurrent loans to loans | 0.2828% | 4,141 |
| Net loans and leases to total assets | 81.9101% | 618 |
| Net loans and leases to deposits | 104.6404% | 407 |
| Net loans and leases to core deposits | 131.0777% | 272 |
| Total domestic deposits to total assets | 78.2777% | 4,936 |
| Equity capital to assets | 9.2284% | 4,546 |
| Core capital (leverage) ratio | 9.4671% | 4,128 |
| Tier 1 risk-based capital ratio | 10.5577% | 5,546 |
| Total risk-based capital ratio | 11.7515% | 5,506 |
| Memoranda: | ||
| Average total assets | $283,756,400 | 2,259 |
| Average earning assets | $270,914,800 | 2,206 |
| Average equity | $26,803,600 | 2,586 |
| Average total loans | $236,869,600 | 1,865 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,572 |
| Cost of funding earning assets | 0.4973% | 2,123 |
| Net interest margin | 3.6834% | 2,783 |
| Noninterest income to average assets | 0.2805% | 4,762 |
| Noninterest expense to average assets | 2.4241% | 4,215 |
| Loan and lease loss provision to assets | 0.1899% | 1,146 |
| Net operating income to assets | 0.7151% | 3,765 |
| Return on assets (ROA) | 0.7362% | 3,796 |
| Pretax return on assets | 1.2051% | 2,814 |
| Return on Equity (ROE) | 7.7453% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.7453% | 1,286 |
| Net charge-offs to loans | -0.0011% | 4,446 |
| Credit loss provision to net charge-offs | -19,900.0000% | 5,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0247% | 3,927 |
| Assets per employee ($millions) | 9.4360% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,986 |
| Loan loss allowance to noncurrent loans | 367.8049% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 4,267 |
| Noncurrent loans to loans | 0.3387% | 4,044 |
| Net loans and leases to total assets | 84.4641% | 371 |
| Net loans and leases to deposits | 107.3078% | 330 |
| Net loans and leases to core deposits | 135.8700% | 232 |
| Total domestic deposits to total assets | 78.7119% | 4,785 |
| Equity capital to assets | 9.6789% | 4,486 |
| Core capital (leverage) ratio | 9.5315% | 4,137 |
| Tier 1 risk-based capital ratio | 10.6201% | 5,562 |
| Total risk-based capital ratio | 11.7944% | 5,523 |
| Memoranda: | ||
| Average total assets | $279,462,750 | 2,294 |
| Average earning assets | $265,982,250 | 2,248 |
| Average equity | $26,561,750 | 2,614 |
| Average total loans | $233,676,750 | 1,879 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 2,689 |
| Cost of funding earning assets | 0.4881% | 2,209 |
| Net interest margin | 3.6581% | 2,865 |
| Noninterest income to average assets | 0.2609% | 4,919 |
| Noninterest expense to average assets | 2.3812% | 4,401 |
| Loan and lease loss provision to assets | 0.2465% | 790 |
| Net operating income to assets | 0.6767% | 3,916 |
| Return on assets (ROA) | 0.7015% | 3,936 |
| Pretax return on assets | 1.1464% | 2,996 |
| Return on Equity (ROE) | 7.4269% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.4269% | 1,422 |
| Net charge-offs to loans | 0.0069% | 3,448 |
| Credit loss provision to net charge-offs | 4,287.5000% | 101 |
| Earnings coverage of net charge-offs (x) | 235.5000% | 281 |
| Efficiency ratio | 63.7483% | 4,064 |
| Assets per employee ($millions) | 9.5261% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 3,166 |
| Loan loss allowance to noncurrent loans | 383.2468% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 4,418 |
| Noncurrent loans to loans | 0.3219% | 4,215 |
| Net loans and leases to total assets | 82.6803% | 553 |
| Net loans and leases to deposits | 104.8971% | 411 |
| Net loans and leases to core deposits | 133.4314% | 258 |
| Total domestic deposits to total assets | 78.8204% | 4,824 |
| Equity capital to assets | 9.3812% | 4,883 |
| Core capital (leverage) ratio | 9.5440% | 4,146 |
| Tier 1 risk-based capital ratio | 10.5808% | 5,636 |
| Total risk-based capital ratio | 11.7503% | 5,584 |
| Memoranda: | ||
| Average total assets | $278,257,330 | 2,312 |
| Average earning assets | $264,292,330 | 2,265 |
| Average equity | $26,282,670 | 2,642 |
| Average total loans | $230,863,670 | 1,903 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,860 |
| Cost of funding earning assets | 0.4855% | 2,226 |
| Net interest margin | 3.6094% | 3,047 |
| Noninterest income to average assets | 0.2361% | 5,055 |
| Noninterest expense to average assets | 2.3622% | 4,487 |
| Loan and lease loss provision to assets | 0.1647% | 1,255 |
| Net operating income to assets | 0.6936% | 3,746 |
| Return on assets (ROA) | 0.6936% | 3,856 |
| Pretax return on assets | 1.1221% | 3,004 |
| Return on Equity (ROE) | 7.3177% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,742 |
| Net charge-offs to loans | 0.0176% | 2,585 |
| Credit loss provision to net charge-offs | 1,130.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 88.3000% | 588 |
| Efficiency ratio | 64.7364% | 4,012 |
| Assets per employee ($millions) | 9.3083% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,615 |
| Loan loss allowance to noncurrent loans | 208.8326% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 3,557 |
| Noncurrent loans to loans | 0.5644% | 3,497 |
| Net loans and leases to total assets | 81.6419% | 610 |
| Net loans and leases to deposits | 102.5560% | 481 |
| Net loans and leases to core deposits | 130.5367% | 262 |
| Total domestic deposits to total assets | 79.6072% | 4,833 |
| Equity capital to assets | 9.4181% | 4,752 |
| Core capital (leverage) ratio | 9.7378% | 3,860 |
| Tier 1 risk-based capital ratio | 10.8329% | 5,587 |
| Total risk-based capital ratio | 11.9572% | 5,570 |
| Memoranda: | ||
| Average total assets | $274,494,000 | 2,350 |
| Average earning assets | $259,543,500 | 2,312 |
| Average equity | $26,019,000 | 2,658 |
| Average total loans | $226,676,500 | 1,940 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 2,476 |
| Cost of funding earning assets | 0.5186% | 2,005 |
| Net interest margin | 3.7059% | 2,728 |
| Noninterest income to average assets | 0.1776% | 5,522 |
| Noninterest expense to average assets | 2.5088% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7178% | 3,721 |
| Return on assets (ROA) | 0.7211% | 3,812 |
| Pretax return on assets | 1.1706% | 2,768 |
| Return on Equity (ROE) | 7.3700% | 3,321 |
| Retained earnings to average equity (ytd only) | 3.3884% | 3,639 |
| Net charge-offs to loans | -0.0081% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2782% | 3,513 |
| Assets per employee ($millions) | 8.9913% | 386 |
| Cash dividends to net income (ytd only)* | 54.0249% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,611 |
| Loan loss allowance to noncurrent loans | 247.4929% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 3,342 |
| Noncurrent loans to loans | 0.4747% | 3,764 |
| Net loans and leases to total assets | 81.5729% | 633 |
| Net loans and leases to deposits | 102.0784% | 538 |
| Net loans and leases to core deposits | 130.2541% | 264 |
| Total domestic deposits to total assets | 79.9120% | 4,765 |
| Equity capital to assets | 9.5419% | 4,500 |
| Core capital (leverage) ratio | 9.5903% | 4,055 |
| Tier 1 risk-based capital ratio | 11.0365% | 5,507 |
| Total risk-based capital ratio | 12.1589% | 5,482 |
| Memoranda: | ||
| Average total assets | $256,698,000 | 2,453 |
| Average earning assets | $242,206,000 | 2,404 |
| Average equity | $25,115,400 | 2,681 |
| Average total loans | $210,040,200 | 1,995 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,453 |
| Cost of funding earning assets | 0.5237% | 2,008 |
| Net interest margin | 3.7137% | 2,706 |
| Noninterest income to average assets | 0.2052% | 5,422 |
| Noninterest expense to average assets | 2.5131% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7283% | 3,773 |
| Return on assets (ROA) | 0.7323% | 3,863 |
| Pretax return on assets | 1.1979% | 2,829 |
| Return on Equity (ROE) | 7.4358% | 3,380 |
| Retained earnings to average equity (ytd only) | 3.6965% | 3,834 |
| Net charge-offs to loans | -0.0084% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8358% | 3,580 |
| Assets per employee ($millions) | 8.9471% | 377 |
| Cash dividends to net income (ytd only)* | 50.2875% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,641 |
| Loan loss allowance to noncurrent loans | 209.9678% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 2,857 |
| Noncurrent loans to loans | 0.5727% | 3,618 |
| Net loans and leases to total assets | 82.7169% | 503 |
| Net loans and leases to deposits | 107.1834% | 328 |
| Net loans and leases to core deposits | 134.7305% | 220 |
| Total domestic deposits to total assets | 77.1732% | 5,318 |
| Equity capital to assets | 9.8645% | 4,321 |
| Core capital (leverage) ratio | 10.0225% | 3,594 |
| Tier 1 risk-based capital ratio | 11.2107% | 5,544 |
| Total risk-based capital ratio | 12.3563% | 5,493 |
| Memoranda: | ||
| Average total assets | $253,438,000 | 2,500 |
| Average earning assets | $238,819,750 | 2,450 |
| Average equity | $24,959,750 | 2,718 |
| Average total loans | $206,888,000 | 2,027 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 2,724 |
| Cost of funding earning assets | 0.5364% | 1,930 |
| Net interest margin | 3.6117% | 3,036 |
| Noninterest income to average assets | 0.1981% | 5,496 |
| Noninterest expense to average assets | 2.4786% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6817% | 3,971 |
| Return on assets (ROA) | 0.6873% | 4,064 |
| Pretax return on assets | 1.1399% | 3,008 |
| Return on Equity (ROE) | 6.9824% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.9824% | 1,709 |
| Net charge-offs to loans | -0.0059% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6646% | 3,559 |
| Assets per employee ($millions) | 8.9293% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 3,694 |
| Loan loss allowance to noncurrent loans | 208.5669% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 2,869 |
| Noncurrent loans to loans | 0.5831% | 3,706 |
| Net loans and leases to total assets | 81.7061% | 581 |
| Net loans and leases to deposits | 104.4799% | 428 |
| Net loans and leases to core deposits | 130.7346% | 260 |
| Total domestic deposits to total assets | 78.2027% | 5,232 |
| Equity capital to assets | 9.6378% | 4,486 |
| Core capital (leverage) ratio | 10.0414% | 3,540 |
| Tier 1 risk-based capital ratio | 10.9513% | 5,738 |
| Total risk-based capital ratio | 12.0908% | 5,716 |
| Memoranda: | ||
| Average total assets | $251,428,330 | 2,540 |
| Average earning assets | $237,507,000 | 2,480 |
| Average equity | $24,748,000 | 2,743 |
| Average total loans | $203,439,000 | 2,059 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 2,625 |
| Cost of funding earning assets | 0.5475% | 1,870 |
| Net interest margin | 3.6050% | 2,977 |
| Noninterest income to average assets | 0.0808% | 6,146 |
| Noninterest expense to average assets | 2.4032% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6323% | 4,134 |
| Return on assets (ROA) | 0.6396% | 4,212 |
| Pretax return on assets | 1.0918% | 3,118 |
| Return on Equity (ROE) | 6.4277% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.4277% | 2,273 |
| Net charge-offs to loans | -0.0040% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9847% | 3,666 |
| Assets per employee ($millions) | 8.5722% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 3,465 |
| Loan loss allowance to noncurrent loans | 208.2466% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 2,889 |
| Noncurrent loans to loans | 0.6186% | 3,721 |
| Net loans and leases to total assets | 77.5043% | 992 |
| Net loans and leases to deposits | 99.1592% | 611 |
| Net loans and leases to core deposits | 124.1762% | 321 |
| Total domestic deposits to total assets | 78.1615% | 5,410 |
| Equity capital to assets | 9.5612% | 4,680 |
| Core capital (leverage) ratio | 10.1079% | 3,462 |
| Tier 1 risk-based capital ratio | 11.1533% | 5,737 |
| Total risk-based capital ratio | 12.3342% | 5,683 |
| Memoranda: | ||
| Average total assets | $247,668,000 | 2,577 |
| Average earning assets | $233,784,500 | 2,521 |
| Average equity | $24,643,500 | 2,775 |
| Average total loans | $198,067,500 | 2,097 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,838 |
| Cost of funding earning assets | 0.5716% | 2,030 |
| Net interest margin | 3.6613% | 3,172 |
| Noninterest income to average assets | 0.1637% | 5,879 |
| Noninterest expense to average assets | 2.4218% | 4,782 |
| Loan and lease loss provision to assets | 0.0164% | 4,281 |
| Net operating income to assets | 0.6915% | 3,938 |
| Return on assets (ROA) | 0.6962% | 4,028 |
| Pretax return on assets | 1.1595% | 2,825 |
| Return on Equity (ROE) | 7.2487% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.2487% | 1,298 |
| Net charge-offs to loans | -0.0075% | 5,514 |
| Credit loss provision to net charge-offs | -285.7143% | 5,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4533% | 3,993 |
| Assets per employee ($millions) | 8.5061% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 3,241 |
| Loan loss allowance to noncurrent loans | 206.5978% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 2,765 |
| Noncurrent loans to loans | 0.6477% | 3,746 |
| Net loans and leases to total assets | 80.4552% | 679 |
| Net loans and leases to deposits | 105.1188% | 394 |
| Net loans and leases to core deposits | 125.9604% | 293 |
| Total domestic deposits to total assets | 76.5374% | 5,664 |
| Equity capital to assets | 10.3703% | 3,642 |
| Core capital (leverage) ratio | 10.1529% | 3,364 |
| Tier 1 risk-based capital ratio | 12.0866% | 5,304 |
| Total risk-based capital ratio | 13.3366% | 5,211 |
| Memoranda: | ||
| Average total assets | $244,319,600 | 2,580 |
| Average earning assets | $228,662,600 | 2,532 |
| Average equity | $23,466,200 | 2,805 |
| Average total loans | $187,547,000 | 2,139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,912 |
| Cost of funding earning assets | 0.5759% | 2,057 |
| Net interest margin | 3.6479% | 3,235 |
| Noninterest income to average assets | 0.1453% | 6,047 |
| Noninterest expense to average assets | 2.4306% | 4,727 |
| Loan and lease loss provision to assets | 0.0163% | 4,089 |
| Net operating income to assets | 0.6634% | 4,137 |
| Return on assets (ROA) | 0.6638% | 4,238 |
| Pretax return on assets | 1.1031% | 3,175 |
| Return on Equity (ROE) | 7.0471% | 3,692 |
| Retained earnings to average equity (ytd only) | 7.0471% | 1,799 |
| Net charge-offs to loans | -0.0079% | 5,380 |
| Credit loss provision to net charge-offs | -272.7273% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4798% | 3,766 |
| Assets per employee ($millions) | 8.5405% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 3,327 |
| Loan loss allowance to noncurrent loans | 205.5644% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 2,985 |
| Noncurrent loans to loans | 0.6641% | 3,950 |
| Net loans and leases to total assets | 75.4384% | 1,300 |
| Net loans and leases to deposits | 97.1951% | 781 |
| Net loans and leases to core deposits | 119.7613% | 399 |
| Total domestic deposits to total assets | 77.6154% | 5,593 |
| Equity capital to assets | 9.6942% | 4,554 |
| Core capital (leverage) ratio | 9.8035% | 3,935 |
| Tier 1 risk-based capital ratio | 11.8089% | 5,607 |
| Total risk-based capital ratio | 13.0591% | 5,528 |
| Memoranda: | ||
| Average total assets | $245,856,750 | 2,577 |
| Average earning assets | $229,423,250 | 2,544 |
| Average equity | $23,158,000 | 2,838 |
| Average total loans | $185,878,750 | 2,168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,779 |
| Cost of funding earning assets | 0.5752% | 2,117 |
| Net interest margin | 3.6721% | 3,058 |
| Noninterest income to average assets | 0.1329% | 6,153 |
| Noninterest expense to average assets | 2.4579% | 4,705 |
| Loan and lease loss provision to assets | 0.0245% | 3,790 |
| Net operating income to assets | 0.6462% | 4,121 |
| Return on assets (ROA) | 0.6467% | 4,220 |
| Pretax return on assets | 1.0716% | 3,207 |
| Return on Equity (ROE) | 6.9336% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.9336% | 1,802 |
| Net charge-offs to loans | -0.0043% | 5,154 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1760% | 3,806 |
| Assets per employee ($millions) | 9.1076% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 3,638 |
| Loan loss allowance to noncurrent loans | 921.0714% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 4,158 |
| Noncurrent loans to loans | 0.1455% | 5,568 |
| Net loans and leases to total assets | 74.4260% | 1,382 |
| Net loans and leases to deposits | 96.7863% | 755 |
| Net loans and leases to core deposits | 119.9366% | 380 |
| Total domestic deposits to total assets | 76.8973% | 5,806 |
| Equity capital to assets | 9.2329% | 5,066 |
| Core capital (leverage) ratio | 9.7244% | 4,005 |
| Tier 1 risk-based capital ratio | 11.4326% | 5,844 |
| Total risk-based capital ratio | 12.6636% | 5,800 |
| Memoranda: | ||
| Average total assets | $245,250,670 | 2,583 |
| Average earning assets | $228,423,330 | 2,564 |
| Average equity | $22,874,000 | 2,864 |
| Average total loans | $184,695,670 | 2,179 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,634 |
| Cost of funding earning assets | 0.5649% | 2,295 |
| Net interest margin | 3.7049% | 2,846 |
| Noninterest income to average assets | 0.1514% | 6,069 |
| Noninterest expense to average assets | 2.5361% | 4,496 |
| Loan and lease loss provision to assets | 0.0200% | 3,565 |
| Net operating income to assets | 0.6440% | 3,977 |
| Return on assets (ROA) | 0.6440% | 4,069 |
| Pretax return on assets | 1.0550% | 3,110 |
| Return on Equity (ROE) | 6.8682% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.8682% | 2,106 |
| Net charge-offs to loans | -0.0022% | 4,713 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2304% | 3,796 |
| Assets per employee ($millions) | 8.5784% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 3,548 |
| Loan loss allowance to noncurrent loans | 297.7881% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 3,196 |
| Noncurrent loans to loans | 0.4738% | 4,742 |
| Net loans and leases to total assets | 71.8479% | 1,599 |
| Net loans and leases to deposits | 93.9179% | 802 |
| Net loans and leases to core deposits | 116.8427% | 388 |
| Total domestic deposits to total assets | 76.5008% | 6,027 |
| Equity capital to assets | 9.1778% | 4,897 |
| Core capital (leverage) ratio | 10.1386% | 3,373 |
| Tier 1 risk-based capital ratio | 11.6910% | 5,817 |
| Total risk-based capital ratio | 12.9414% | 5,760 |
| Memoranda: | ||
| Average total assets | $240,369,500 | 2,641 |
| Average earning assets | $224,457,000 | 2,615 |
| Average equity | $22,538,500 | 2,889 |
| Average total loans | $180,856,000 | 2,226 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 2,500 |
| Cost of funding earning assets | 0.6009% | 2,647 |
| Net interest margin | 3.8215% | 2,569 |
| Noninterest income to average assets | 0.1669% | 6,086 |
| Noninterest expense to average assets | 2.5621% | 4,580 |
| Loan and lease loss provision to assets | 0.0602% | 3,938 |
| Net operating income to assets | 0.6804% | 3,896 |
| Return on assets (ROA) | 0.6804% | 3,985 |
| Pretax return on assets | 1.1251% | 2,864 |
| Return on Equity (ROE) | 6.9758% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.9758% | 1,443 |
| Net charge-offs to loans | -0.0053% | 5,940 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3690% | 4,132 |
| Assets per employee ($millions) | 7.9988% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 3,919 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.6797% | 990 |
| Net loans and leases to deposits | 101.9938% | 401 |
| Net loans and leases to core deposits | 124.4046% | 262 |
| Total domestic deposits to total assets | 75.1807% | 6,174 |
| Equity capital to assets | 9.5898% | 4,298 |
| Core capital (leverage) ratio | 9.9219% | 3,677 |
| Tier 1 risk-based capital ratio | 11.8177% | 5,728 |
| Total risk-based capital ratio | 13.0682% | 5,662 |
| Memoranda: | ||
| Average total assets | $224,148,400 | 2,772 |
| Average earning assets | $210,023,000 | 2,719 |
| Average equity | $21,861,200 | 2,938 |
| Average total loans | $170,153,400 | 2,303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,550 |
| Cost of funding earning assets | 0.6014% | 2,795 |
| Net interest margin | 3.8119% | 2,601 |
| Noninterest income to average assets | 0.1542% | 6,264 |
| Noninterest expense to average assets | 2.5365% | 4,593 |
| Loan and lease loss provision to assets | 0.0810% | 3,440 |
| Net operating income to assets | 0.6709% | 4,009 |
| Return on assets (ROA) | 0.6709% | 4,152 |
| Pretax return on assets | 1.1083% | 3,081 |
| Return on Equity (ROE) | 6.8487% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.8487% | 1,948 |
| Net charge-offs to loans | -0.0024% | 5,698 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0786% | 4,087 |
| Assets per employee ($millions) | 7.9061% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,715 |
| Loan loss allowance to noncurrent loans | 169.9465% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 2,649 |
| Noncurrent loans to loans | 0.8495% | 4,129 |
| Net loans and leases to total assets | 78.2967% | 716 |
| Net loans and leases to deposits | 105.8330% | 245 |
| Net loans and leases to core deposits | 130.3318% | 187 |
| Total domestic deposits to total assets | 73.9814% | 6,370 |
| Equity capital to assets | 9.9014% | 4,048 |
| Core capital (leverage) ratio | 10.1376% | 3,478 |
| Tier 1 risk-based capital ratio | 11.8582% | 5,869 |
| Total risk-based capital ratio | 13.1092% | 5,816 |
| Memoranda: | ||
| Average total assets | $222,194,250 | 2,814 |
| Average earning assets | $208,182,750 | 2,762 |
| Average equity | $21,765,250 | 2,988 |
| Average total loans | $167,588,000 | 2,335 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 2,926 |
| Cost of funding earning assets | 0.5982% | 2,963 |
| Net interest margin | 3.7091% | 2,924 |
| Noninterest income to average assets | 0.3254% | 5,101 |
| Noninterest expense to average assets | 2.7150% | 3,977 |
| Loan and lease loss provision to assets | 0.0405% | 4,146 |
| Net operating income to assets | 0.6356% | 4,129 |
| Return on assets (ROA) | 0.6356% | 4,278 |
| Pretax return on assets | 1.0536% | 3,280 |
| Return on Equity (ROE) | 6.5119% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.5119% | 2,133 |
| Net charge-offs to loans | 0.0085% | 4,715 |
| Credit loss provision to net charge-offs | 642.8571% | 456 |
| Earnings coverage of net charge-offs (x) | 173.8571% | 286 |
| Efficiency ratio | 71.2768% | 3,597 |
| Assets per employee ($millions) | 8.3392% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,821 |
| Loan loss allowance to noncurrent loans | 364.0299% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 3,615 |
| Noncurrent loans to loans | 0.3976% | 5,275 |
| Net loans and leases to total assets | 73.7665% | 1,287 |
| Net loans and leases to deposits | 95.9809% | 673 |
| Net loans and leases to core deposits | 114.8599% | 423 |
| Total domestic deposits to total assets | 76.8555% | 6,143 |
| Equity capital to assets | 9.6590% | 4,370 |
| Core capital (leverage) ratio | 10.1783% | 3,266 |
| Tier 1 risk-based capital ratio | 11.8634% | 5,868 |
| Total risk-based capital ratio | 13.1137% | 5,826 |
| Memoranda: | ||
| Average total assets | $222,468,330 | 2,814 |
| Average earning assets | $208,946,000 | 2,758 |
| Average equity | $21,714,000 | 3,018 |
| Average total loans | $164,828,670 | 2,368 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,781 |
| Cost of funding earning assets | 0.6564% | 2,597 |
| Net interest margin | 3.6700% | 2,988 |
| Noninterest income to average assets | 0.3220% | 5,125 |
| Noninterest expense to average assets | 2.6212% | 4,331 |
| Loan and lease loss provision to assets | 0.0814% | 3,292 |
| Net operating income to assets | 0.6512% | 3,954 |
| Return on assets (ROA) | 0.6512% | 4,111 |
| Pretax return on assets | 1.0781% | 3,034 |
| Return on Equity (ROE) | 6.6369% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.6369% | 2,349 |
| Net charge-offs to loans | -0.0319% | 5,921 |
| Credit loss provision to net charge-offs | -346.1538% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3301% | 4,089 |
| Assets per employee ($millions) | 8.1754% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,748 |
| Loan loss allowance to noncurrent loans | 566.5899% | 773 |
| Noncurrent assets plus other real estate owned to assets | 1.8452% | 2,553 |
| Noncurrent loans to loans | 0.2679% | 5,740 |
| Net loans and leases to total assets | 72.2885% | 1,310 |
| Net loans and leases to deposits | 93.7003% | 687 |
| Net loans and leases to core deposits | 111.8090% | 439 |
| Total domestic deposits to total assets | 77.1486% | 6,235 |
| Equity capital to assets | 9.9105% | 4,262 |
| Core capital (leverage) ratio | 9.9600% | 3,442 |
| Tier 1 risk-based capital ratio | 12.2483% | 5,759 |
| Total risk-based capital ratio | 13.4993% | 5,713 |
| Memoranda: | ||
| Average total assets | $221,123,000 | 2,859 |
| Average earning assets | $208,395,000 | 2,797 |
| Average equity | $21,697,000 | 3,063 |
| Average total loans | $162,977,500 | 2,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 1,865 |
| Cost of funding earning assets | 0.8363% | 2,381 |
| Net interest margin | 4.0559% | 2,163 |
| Noninterest income to average assets | 0.2544% | 5,645 |
| Noninterest expense to average assets | 2.7781% | 4,115 |
| Loan and lease loss provision to assets | 0.2269% | 2,863 |
| Net operating income to assets | 0.6671% | 3,900 |
| Return on assets (ROA) | 0.6862% | 4,064 |
| Pretax return on assets | 1.0945% | 3,178 |
| Return on Equity (ROE) | 6.6994% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.6994% | 1,719 |
| Net charge-offs to loans | 0.6471% | 1,817 |
| Credit loss provision to net charge-offs | 45.3033% | 4,806 |
| Earnings coverage of net charge-offs (x) | 2.5783% | 4,127 |
| Efficiency ratio | 68.2645% | 4,093 |
| Assets per employee ($millions) | 8.2041% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 3,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8225% | 2,680 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 72.9214% | 1,348 |
| Net loans and leases to deposits | 94.2839% | 732 |
| Net loans and leases to core deposits | 109.9166% | 541 |
| Total domestic deposits to total assets | 77.3424% | 6,185 |
| Equity capital to assets | 9.7142% | 4,572 |
| Core capital (leverage) ratio | 9.9984% | 3,400 |
| Tier 1 risk-based capital ratio | 12.0343% | 5,765 |
| Total risk-based capital ratio | 13.2855% | 5,719 |
| Memoranda: | ||
| Average total assets | $204,025,400 | 3,001 |
| Average earning assets | $191,920,200 | 2,932 |
| Average equity | $20,897,400 | 3,096 |
| Average total loans | $157,936,000 | 2,460 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 1,725 |
| Cost of funding earning assets | 0.8691% | 2,396 |
| Net interest margin | 4.1157% | 2,036 |
| Noninterest income to average assets | 0.2344% | 5,877 |
| Noninterest expense to average assets | 2.7988% | 3,983 |
| Loan and lease loss provision to assets | 0.2778% | 2,346 |
| Net operating income to assets | 0.6491% | 4,143 |
| Return on assets (ROA) | 0.6752% | 4,294 |
| Pretax return on assets | 1.0725% | 3,453 |
| Return on Equity (ROE) | 6.4987% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.4987% | 2,381 |
| Net charge-offs to loans | 0.3716% | 2,614 |
| Credit loss provision to net charge-offs | 95.4128% | 3,131 |
| Earnings coverage of net charge-offs (x) | 4.4977% | 3,287 |
| Efficiency ratio | 68.1242% | 4,033 |
| Assets per employee ($millions) | 7.5714% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 2,700 |
| Loan loss allowance to noncurrent loans | 259.0308% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3392% | 2,273 |
| Noncurrent loans to loans | 0.7069% | 5,026 |
| Net loans and leases to total assets | 77.0984% | 842 |
| Net loans and leases to deposits | 101.9180% | 355 |
| Net loans and leases to core deposits | 122.8899% | 265 |
| Total domestic deposits to total assets | 75.6475% | 6,436 |
| Equity capital to assets | 10.3719% | 3,986 |
| Core capital (leverage) ratio | 10.3125% | 3,148 |
| Tier 1 risk-based capital ratio | 12.3875% | 5,712 |
| Total risk-based capital ratio | 13.6424% | 5,680 |
| Memoranda: | ||
| Average total assets | $199,654,000 | 3,080 |
| Average earning assets | $187,925,250 | 3,017 |
| Average equity | $20,742,250 | 3,144 |
| Average total loans | $156,437,500 | 2,513 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 1,661 |
| Cost of funding earning assets | 0.8942% | 2,451 |
| Net interest margin | 4.1567% | 1,879 |
| Noninterest income to average assets | 0.2151% | 6,027 |
| Noninterest expense to average assets | 2.8112% | 3,972 |
| Loan and lease loss provision to assets | 0.3211% | 2,056 |
| Net operating income to assets | 0.6331% | 4,207 |
| Return on assets (ROA) | 0.6725% | 4,268 |
| Pretax return on assets | 1.0593% | 3,464 |
| Return on Equity (ROE) | 6.4696% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.4696% | 2,398 |
| Net charge-offs to loans | 0.4811% | 2,145 |
| Credit loss provision to net charge-offs | 85.2547% | 3,179 |
| Earnings coverage of net charge-offs (x) | 3.5013% | 3,349 |
| Efficiency ratio | 68.0685% | 4,110 |
| Assets per employee ($millions) | 7.6447% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8408% | 2,731 |
| Loan loss allowance to noncurrent loans | 128.5967% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 2.6856% | 2,055 |
| Noncurrent loans to loans | 1.4315% | 3,771 |
| Net loans and leases to total assets | 77.9349% | 731 |
| Net loans and leases to deposits | 103.8056% | 282 |
| Net loans and leases to core deposits | 128.4240% | 222 |
| Total domestic deposits to total assets | 75.0777% | 6,580 |
| Equity capital to assets | 10.5146% | 3,669 |
| Core capital (leverage) ratio | 10.1541% | 3,198 |
| Tier 1 risk-based capital ratio | 12.5515% | 5,534 |
| Total risk-based capital ratio | 13.8074% | 5,509 |
| Memoranda: | ||
| Average total assets | $198,063,000 | 3,105 |
| Average earning assets | $186,543,330 | 3,035 |
| Average equity | $20,588,670 | 3,153 |
| Average total loans | $155,066,670 | 2,533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 1,751 |
| Cost of funding earning assets | 0.9088% | 2,621 |
| Net interest margin | 4.1317% | 1,988 |
| Noninterest income to average assets | 0.2003% | 6,191 |
| Noninterest expense to average assets | 2.4601% | 5,289 |
| Loan and lease loss provision to assets | 0.5159% | 1,170 |
| Net operating income to assets | 0.7141% | 3,812 |
| Return on assets (ROA) | 0.7931% | 3,650 |
| Pretax return on assets | 1.2382% | 2,773 |
| Return on Equity (ROE) | 7.6737% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.6737% | 2,101 |
| Net charge-offs to loans | 0.9890% | 1,053 |
| Credit loss provision to net charge-offs | 67.1053% | 2,975 |
| Earnings coverage of net charge-offs (x) | 2.1211% | 3,307 |
| Efficiency ratio | 60.1385% | 5,593 |
| Assets per employee ($millions) | 7.9085% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,755 |
| Loan loss allowance to noncurrent loans | 124.6154% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 2.8734% | 2,026 |
| Noncurrent loans to loans | 1.5043% | 3,866 |
| Net loans and leases to total assets | 75.0577% | 910 |
| Net loans and leases to deposits | 100.0310% | 367 |
| Net loans and leases to core deposits | 120.2002% | 307 |
| Total domestic deposits to total assets | 75.0344% | 6,640 |
| Equity capital to assets | 10.4086% | 3,610 |
| Core capital (leverage) ratio | 9.7484% | 3,711 |
| Tier 1 risk-based capital ratio | 13.0226% | 5,202 |
| Total risk-based capital ratio | 14.2826% | 5,159 |
| Memoranda: | ||
| Average total assets | $197,713,500 | 3,136 |
| Average earning assets | $186,170,500 | 3,067 |
| Average equity | $20,433,500 | 3,171 |
| Average total loans | $153,695,000 | 2,576 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 2,502 |
| Cost of funding earning assets | 1.1793% | 2,169 |
| Net interest margin | 3.9065% | 3,311 |
| Noninterest income to average assets | 0.2064% | 6,033 |
| Noninterest expense to average assets | 2.4793% | 5,537 |
| Loan and lease loss provision to assets | 0.7791% | 1,279 |
| Net operating income to assets | 0.4016% | 4,856 |
| Return on assets (ROA) | 0.4016% | 5,029 |
| Pretax return on assets | 0.6437% | 4,539 |
| Return on Equity (ROE) | 4.0049% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.0049% | 3,343 |
| Net charge-offs to loans | 0.8800% | 1,978 |
| Credit loss provision to net charge-offs | 110.4308% | 3,026 |
| Earnings coverage of net charge-offs (x) | 2.0166% | 4,264 |
| Efficiency ratio | 63.5370% | 5,208 |
| Assets per employee ($millions) | 8.2381% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 2,579 |
| Loan loss allowance to noncurrent loans | 142.3761% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 2.5006% | 2,429 |
| Noncurrent loans to loans | 1.3314% | 4,154 |
| Net loans and leases to total assets | 77.4838% | 775 |
| Net loans and leases to deposits | 98.5348% | 527 |
| Net loans and leases to core deposits | 118.6084% | 386 |
| Total domestic deposits to total assets | 78.6359% | 6,064 |
| Equity capital to assets | 10.2612% | 3,834 |
| Core capital (leverage) ratio | 10.1874% | 3,099 |
| Tier 1 risk-based capital ratio | 12.3087% | 5,609 |
| Total risk-based capital ratio | 13.5657% | 5,578 |
| Memoranda: | ||
| Average total assets | $187,513,400 | 3,223 |
| Average earning assets | $177,396,600 | 3,124 |
| Average equity | $18,802,200 | 3,310 |
| Average total loans | $150,345,800 | 2,638 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 2,399 |
| Cost of funding earning assets | 1.2586% | 1,946 |
| Net interest margin | 3.8894% | 3,435 |
| Noninterest income to average assets | 0.1716% | 6,361 |
| Noninterest expense to average assets | 2.5561% | 5,255 |
| Loan and lease loss provision to assets | 0.8347% | 1,107 |
| Net operating income to assets | 0.2790% | 5,474 |
| Return on assets (ROA) | 0.2790% | 5,635 |
| Pretax return on assets | 0.4628% | 5,279 |
| Return on Equity (ROE) | 2.7996% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.7996% | 4,680 |
| Net charge-offs to loans | 1.1462% | 1,378 |
| Credit loss provision to net charge-offs | 90.4688% | 3,757 |
| Earnings coverage of net charge-offs (x) | 1.4063% | 4,574 |
| Efficiency ratio | 66.3300% | 4,656 |
| Assets per employee ($millions) | 8.0343% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,872 |
| Loan loss allowance to noncurrent loans | 93.1356% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 3.1339% | 2,037 |
| Noncurrent loans to loans | 1.9522% | 3,424 |
| Net loans and leases to total assets | 75.6120% | 1,038 |
| Net loans and leases to deposits | 96.5665% | 669 |
| Net loans and leases to core deposits | 119.5948% | 398 |
| Total domestic deposits to total assets | 78.3004% | 6,136 |
| Equity capital to assets | 10.3353% | 3,915 |
| Core capital (leverage) ratio | 9.8041% | 3,700 |
| Tier 1 risk-based capital ratio | 12.5949% | 5,407 |
| Total risk-based capital ratio | 13.8491% | 5,384 |
| Memoranda: | ||
| Average total assets | $184,963,000 | 3,278 |
| Average earning assets | $175,105,000 | 3,170 |
| Average equity | $18,430,750 | 3,368 |
| Average total loans | $148,893,000 | 2,678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 2,294 |
| Cost of funding earning assets | 1.2984% | 1,951 |
| Net interest margin | 3.8927% | 3,351 |
| Noninterest income to average assets | 0.1590% | 6,521 |
| Noninterest expense to average assets | 2.5666% | 5,302 |
| Loan and lease loss provision to assets | 0.8753% | 1,023 |
| Net operating income to assets | 0.2435% | 5,586 |
| Return on assets (ROA) | 0.2435% | 5,710 |
| Pretax return on assets | 0.4168% | 5,347 |
| Return on Equity (ROE) | 2.4761% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.4761% | 4,708 |
| Net charge-offs to loans | 1.3783% | 1,100 |
| Credit loss provision to net charge-offs | 77.7020% | 3,839 |
| Earnings coverage of net charge-offs (x) | 1.1470% | 4,416 |
| Efficiency ratio | 66.5151% | 4,770 |
| Assets per employee ($millions) | 7.8988% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 3,235 |
| Loan loss allowance to noncurrent loans | 72.1079% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.3959% | 2,758 |
| Noncurrent loans to loans | 2.3966% | 2,994 |
| Net loans and leases to total assets | 77.7818% | 806 |
| Net loans and leases to deposits | 99.1281% | 535 |
| Net loans and leases to core deposits | 122.0631% | 376 |
| Total domestic deposits to total assets | 78.4660% | 6,197 |
| Equity capital to assets | 9.5548% | 4,730 |
| Core capital (leverage) ratio | 9.5833% | 3,839 |
| Tier 1 risk-based capital ratio | 11.7432% | 5,979 |
| Total risk-based capital ratio | 12.9983% | 5,975 |
| Memoranda: | ||
| Average total assets | $182,342,670 | 3,336 |
| Average earning assets | $173,296,670 | 3,216 |
| Average equity | $17,931,330 | 3,428 |
| Average total loans | $149,024,670 | 2,700 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 2,361 |
| Cost of funding earning assets | 1.3440% | 1,921 |
| Net interest margin | 3.8248% | 3,488 |
| Noninterest income to average assets | 0.1701% | 6,508 |
| Noninterest expense to average assets | 2.4708% | 5,667 |
| Loan and lease loss provision to assets | 0.8415% | 984 |
| Net operating income to assets | 0.2932% | 5,448 |
| Return on assets (ROA) | 0.2932% | 5,520 |
| Pretax return on assets | 0.4946% | 5,045 |
| Return on Equity (ROE) | 2.9371% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.9371% | 4,405 |
| Net charge-offs to loans | 0.8565% | 1,540 |
| Credit loss provision to net charge-offs | 118.2390% | 2,297 |
| Earnings coverage of net charge-offs (x) | 1.8774% | 3,367 |
| Efficiency ratio | 64.9030% | 5,202 |
| Assets per employee ($millions) | 8.3990% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 2,604 |
| Loan loss allowance to noncurrent loans | 74.9025% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.6248% | 2,618 |
| Noncurrent loans to loans | 2.5734% | 2,919 |
| Net loans and leases to total assets | 79.3021% | 591 |
| Net loans and leases to deposits | 101.6680% | 393 |
| Net loans and leases to core deposits | 127.8215% | 296 |
| Total domestic deposits to total assets | 78.0010% | 6,384 |
| Equity capital to assets | 9.7112% | 4,157 |
| Core capital (leverage) ratio | 10.0399% | 3,096 |
| Tier 1 risk-based capital ratio | 11.7395% | 5,906 |
| Total risk-based capital ratio | 12.9970% | 5,905 |
| Memoranda: | ||
| Average total assets | $178,729,000 | 3,398 |
| Average earning assets | $169,942,000 | 3,304 |
| Average equity | $17,840,500 | 3,423 |
| Average total loans | $148,515,000 | 2,731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 4,137 |
| Cost of funding earning assets | 1.5784% | 2,200 |
| Net interest margin | 3.5106% | 5,206 |
| Noninterest income to average assets | 0.0847% | 6,970 |
| Noninterest expense to average assets | 2.2297% | 6,542 |
| Loan and lease loss provision to assets | 0.7997% | 2,034 |
| Net operating income to assets | 0.2289% | 5,186 |
| Return on assets (ROA) | 0.2289% | 5,335 |
| Pretax return on assets | 0.3943% | 4,963 |
| Return on Equity (ROE) | 2.2042% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.2042% | 4,347 |
| Net charge-offs to loans | 0.2986% | 4,525 |
| Credit loss provision to net charge-offs | 332.2738% | 776 |
| Earnings coverage of net charge-offs (x) | 4.9609% | 2,756 |
| Efficiency ratio | 65.1255% | 5,143 |
| Assets per employee ($millions) | 7.8491% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 2,525 |
| Loan loss allowance to noncurrent loans | 54.0924% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 3.4208% | 2,044 |
| Noncurrent loans to loans | 3.5341% | 2,134 |
| Net loans and leases to total assets | 83.8517% | 312 |
| Net loans and leases to deposits | 111.9733% | 202 |
| Net loans and leases to core deposits | 126.8116% | 375 |
| Total domestic deposits to total assets | 74.8855% | 6,784 |
| Equity capital to assets | 10.2715% | 3,418 |
| Core capital (leverage) ratio | 10.0136% | 3,076 |
| Tier 1 risk-based capital ratio | 11.8324% | 5,627 |
| Total risk-based capital ratio | 13.0944% | 5,612 |
| Memoranda: | ||
| Average total assets | $169,933,400 | 3,536 |
| Average earning assets | $161,623,800 | 3,416 |
| Average equity | $17,647,800 | 3,482 |
| Average total loans | $136,967,200 | 2,999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 4,628 |
| Cost of funding earning assets | 1.6214% | 2,272 |
| Net interest margin | 3.4177% | 5,609 |
| Noninterest income to average assets | 0.0733% | 7,167 |
| Noninterest expense to average assets | 2.1010% | 6,841 |
| Loan and lease loss provision to assets | 0.6625% | 2,309 |
| Net operating income to assets | 0.3301% | 5,049 |
| Return on assets (ROA) | 0.3301% | 5,219 |
| Pretax return on assets | 0.5562% | 4,737 |
| Return on Equity (ROE) | 3.1696% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.1696% | 4,207 |
| Net charge-offs to loans | 0.4249% | 3,592 |
| Credit loss provision to net charge-offs | 196.4953% | 1,817 |
| Earnings coverage of net charge-offs (x) | 3.6145% | 3,370 |
| Efficiency ratio | 63.2890% | 5,386 |
| Assets per employee ($millions) | 9.0315% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 3,615 |
| Loan loss allowance to noncurrent loans | 50.8230% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.9691% | 2,445 |
| Noncurrent loans to loans | 3.1086% | 2,566 |
| Net loans and leases to total assets | 78.8063% | 917 |
| Net loans and leases to deposits | 104.0138% | 429 |
| Net loans and leases to core deposits | 123.2239% | 520 |
| Total domestic deposits to total assets | 75.7652% | 6,697 |
| Equity capital to assets | 9.9131% | 4,273 |
| Core capital (leverage) ratio | 9.7226% | 3,591 |
| Tier 1 risk-based capital ratio | 11.7546% | 5,682 |
| Total risk-based capital ratio | 13.0070% | 5,652 |
| Memoranda: | ||
| Average total assets | $169,246,500 | 3,594 |
| Average earning assets | $160,765,000 | 3,483 |
| Average equity | $17,625,500 | 3,531 |
| Average total loans | $134,304,500 | 3,092 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 4,734 |
| Cost of funding earning assets | 1.6456% | 2,413 |
| Net interest margin | 3.3970% | 5,654 |
| Noninterest income to average assets | 0.0798% | 7,188 |
| Noninterest expense to average assets | 2.0888% | 6,942 |
| Loan and lease loss provision to assets | 0.6153% | 2,324 |
| Net operating income to assets | 0.3590% | 4,932 |
| Return on assets (ROA) | 0.3590% | 5,093 |
| Pretax return on assets | 0.5972% | 4,573 |
| Return on Equity (ROE) | 3.3881% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.3881% | 3,953 |
| Net charge-offs to loans | 0.3530% | 3,584 |
| Credit loss provision to net charge-offs | 220.3463% | 1,769 |
| Earnings coverage of net charge-offs (x) | 4.3420% | 2,981 |
| Efficiency ratio | 63.2735% | 5,470 |
| Assets per employee ($millions) | 8.9056% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 3,377 |
| Loan loss allowance to noncurrent loans | 112.2129% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5625% | 4,117 |
| Noncurrent loans to loans | 1.4411% | 4,552 |
| Net loans and leases to total assets | 73.4397% | 2,047 |
| Net loans and leases to deposits | 97.3505% | 931 |
| Net loans and leases to core deposits | 120.4410% | 681 |
| Total domestic deposits to total assets | 75.4385% | 6,786 |
| Equity capital to assets | 9.9802% | 4,051 |
| Core capital (leverage) ratio | 10.2609% | 2,881 |
| Tier 1 risk-based capital ratio | 12.3987% | 4,948 |
| Total risk-based capital ratio | 13.6518% | 4,926 |
| Memoranda: | ||
| Average total assets | $165,452,330 | 3,682 |
| Average earning assets | $156,901,670 | 3,577 |
| Average equity | $17,532,000 | 3,541 |
| Average total loans | $130,862,000 | 3,183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 4,332 |
| Cost of funding earning assets | 1.7284% | 2,243 |
| Net interest margin | 3.4144% | 5,523 |
| Noninterest income to average assets | 0.0704% | 7,360 |
| Noninterest expense to average assets | 2.1015% | 6,938 |
| Loan and lease loss provision to assets | 0.6109% | 2,084 |
| Net operating income to assets | 0.3595% | 5,025 |
| Return on assets (ROA) | 0.3595% | 5,154 |
| Pretax return on assets | 0.5907% | 4,646 |
| Return on Equity (ROE) | 3.2855% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.2855% | 4,173 |
| Net charge-offs to loans | 0.4622% | 2,659 |
| Credit loss provision to net charge-offs | 162.0000% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.1867% | 2,991 |
| Efficiency ratio | 63.6225% | 5,561 |
| Assets per employee ($millions) | 8.8683% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 3,856 |
| Loan loss allowance to noncurrent loans | 74.3473% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 2.4651% | 2,944 |
| Noncurrent loans to loans | 2.0320% | 3,739 |
| Net loans and leases to total assets | 80.2500% | 809 |
| Net loans and leases to deposits | 103.2964% | 573 |
| Net loans and leases to core deposits | 143.6245% | 289 |
| Total domestic deposits to total assets | 77.6890% | 6,401 |
| Equity capital to assets | 10.9973% | 2,765 |
| Core capital (leverage) ratio | 10.9425% | 2,266 |
| Tier 1 risk-based capital ratio | 12.9380% | 4,382 |
| Total risk-based capital ratio | 14.1903% | 4,356 |
| Memoranda: | ||
| Average total assets | $159,122,500 | 3,860 |
| Average earning assets | $150,656,500 | 3,744 |
| Average equity | $17,410,000 | 3,584 |
| Average total loans | $129,815,500 | 3,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 5,757 |
| Cost of funding earning assets | 2.2017% | 2,027 |
| Net interest margin | 2.9740% | 6,709 |
| Noninterest income to average assets | 0.0758% | 7,371 |
| Noninterest expense to average assets | 2.1259% | 7,128 |
| Loan and lease loss provision to assets | 0.3137% | 4,937 |
| Net operating income to assets | 0.2843% | 4,594 |
| Return on assets (ROA) | 0.2886% | 4,662 |
| Pretax return on assets | 0.4824% | 4,242 |
| Return on Equity (ROE) | 2.8739% | 4,562 |
| Retained earnings to average equity (ytd only) | 2.8739% | 3,169 |
| Net charge-offs to loans | 0.5444% | 3,613 |
| Credit loss provision to net charge-offs | 74.2402% | 6,415 |
| Earnings coverage of net charge-offs (x) | 1.8683% | 4,319 |
| Efficiency ratio | 72.9237% | 4,109 |
| Assets per employee ($millions) | 8.8119% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 4,007 |
| Loan loss allowance to noncurrent loans | 171.5857% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2344% | 4,630 |
| Noncurrent loans to loans | 0.8421% | 5,609 |
| Net loans and leases to total assets | 80.5037% | 908 |
| Net loans and leases to deposits | 105.1786% | 592 |
| Net loans and leases to core deposits | 132.5668% | 1,139 |
| Total domestic deposits to total assets | 76.5400% | 6,579 |
| Equity capital to assets | 10.8848% | 2,789 |
| Core capital (leverage) ratio | 10.4083% | 2,681 |
| Tier 1 risk-based capital ratio | 12.8477% | 4,246 |
| Total risk-based capital ratio | 14.0983% | 4,199 |
| Memoranda: | ||
| Average total assets | $163,553,400 | 3,706 |
| Average earning assets | $156,153,200 | 3,592 |
| Average equity | $16,423,800 | 3,794 |
| Average total loans | $126,924,200 | 3,333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 6,355 |
| Cost of funding earning assets | 2.2720% | 2,102 |
| Net interest margin | 2.8041% | 7,055 |
| Noninterest income to average assets | 0.0841% | 7,483 |
| Noninterest expense to average assets | 2.1069% | 7,177 |
| Loan and lease loss provision to assets | 0.2484% | 4,967 |
| Net operating income to assets | 0.2451% | 5,009 |
| Return on assets (ROA) | 0.2508% | 5,070 |
| Pretax return on assets | 0.4199% | 4,740 |
| Return on Equity (ROE) | 2.5492% | 4,966 |
| Retained earnings to average equity (ytd only) | 2.5492% | 3,890 |
| Net charge-offs to loans | 0.6473% | 2,743 |
| Credit loss provision to net charge-offs | 50.0816% | 6,303 |
| Earnings coverage of net charge-offs (x) | 1.3295% | 4,791 |
| Efficiency ratio | 76.1626% | 3,484 |
| Assets per employee ($millions) | 9.4906% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 4,194 |
| Loan loss allowance to noncurrent loans | 191.4380% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 5,040 |
| Noncurrent loans to loans | 0.7060% | 5,890 |
| Net loans and leases to total assets | 74.5099% | 2,376 |
| Net loans and leases to deposits | 96.8315% | 1,468 |
| Net loans and leases to core deposits | 125.1608% | 1,802 |
| Total domestic deposits to total assets | 76.9480% | 6,349 |
| Equity capital to assets | 10.0193% | 4,063 |
| Core capital (leverage) ratio | 9.6909% | 3,659 |
| Tier 1 risk-based capital ratio | 12.5423% | 4,506 |
| Total risk-based capital ratio | 13.7927% | 4,461 |
| Memoranda: | ||
| Average total assets | $164,788,000 | 3,710 |
| Average earning assets | $157,623,250 | 3,590 |
| Average equity | $16,213,500 | 3,869 |
| Average total loans | $126,264,500 | 3,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 6,902 |
| Cost of funding earning assets | 2.3132% | 2,304 |
| Net interest margin | 2.6438% | 7,302 |
| Noninterest income to average assets | 0.0995% | 7,484 |
| Noninterest expense to average assets | 2.0962% | 7,284 |
| Loan and lease loss provision to assets | 0.1438% | 5,632 |
| Net operating income to assets | 0.2298% | 5,157 |
| Return on assets (ROA) | 0.2298% | 5,245 |
| Pretax return on assets | 0.3846% | 4,976 |
| Return on Equity (ROE) | 2.3503% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.3503% | 4,031 |
| Net charge-offs to loans | 0.7053% | 2,290 |
| Credit loss provision to net charge-offs | 26.4706% | 6,065 |
| Earnings coverage of net charge-offs (x) | 0.9729% | 4,801 |
| Efficiency ratio | 79.8689% | 3,059 |
| Assets per employee ($millions) | 9.7909% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 4,015 |
| Loan loss allowance to noncurrent loans | 124.3691% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 5,431 |
| Noncurrent loans to loans | 1.0807% | 5,041 |
| Net loans and leases to total assets | 71.8430% | 3,262 |
| Net loans and leases to deposits | 97.5988% | 1,584 |
| Net loans and leases to core deposits | 127.7317% | 1,726 |
| Total domestic deposits to total assets | 73.6105% | 7,018 |
| Equity capital to assets | 9.5854% | 4,504 |
| Core capital (leverage) ratio | 9.7788% | 3,544 |
| Tier 1 risk-based capital ratio | 12.3204% | 4,657 |
| Total risk-based capital ratio | 13.5705% | 4,581 |
| Memoranda: | ||
| Average total assets | $162,773,670 | 3,764 |
| Average earning assets | $155,457,000 | 3,642 |
| Average equity | $15,912,670 | 3,941 |
| Average total loans | $125,342,670 | 3,435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 7,277 |
| Cost of funding earning assets | 2.3061% | 2,669 |
| Net interest margin | 2.5488% | 7,443 |
| Noninterest income to average assets | 0.1256% | 7,397 |
| Noninterest expense to average assets | 2.0277% | 7,286 |
| Loan and lease loss provision to assets | 0.1923% | 4,514 |
| Net operating income to assets | 0.1948% | 5,675 |
| Return on assets (ROA) | 0.1948% | 5,847 |
| Pretax return on assets | 0.3281% | 5,597 |
| Return on Equity (ROE) | 1.9711% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.9711% | 4,760 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5775% | 2,892 |
| Assets per employee ($millions) | 9.7569% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 2,146 |
| Loan loss allowance to noncurrent loans | 163.5874% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 1.6453% | 3,441 |
| Noncurrent loans to loans | 1.0400% | 4,909 |
| Net loans and leases to total assets | 74.0227% | 2,748 |
| Net loans and leases to deposits | 97.7322% | 1,705 |
| Net loans and leases to core deposits | 126.7079% | 1,872 |
| Total domestic deposits to total assets | 75.7403% | 6,567 |
| Equity capital to assets | 10.2141% | 3,752 |
| Core capital (leverage) ratio | 10.9523% | 2,541 |
| Tier 1 risk-based capital ratio | 12.5960% | 4,479 |
| Total risk-based capital ratio | 13.8511% | 4,395 |
| Memoranda: | ||
| Average total assets | $156,042,000 | 3,900 |
| Average earning assets | $148,303,000 | 3,788 |
| Average equity | $15,422,500 | 4,053 |
| Average total loans | $123,844,500 | 3,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5796% | 7,137 |
| Cost of funding earning assets | 2.7620% | 2,869 |
| Net interest margin | 2.8176% | 7,301 |
| Noninterest income to average assets | 0.0328% | 7,969 |
| Noninterest expense to average assets | 2.8326% | 4,687 |
| Loan and lease loss provision to assets | 0.8954% | 1,668 |
| Net operating income to assets | -0.6535% | 7,042 |
| Return on assets (ROA) | -0.6535% | 6,934 |
| Pretax return on assets | -1.0025% | 7,001 |
| Return on Equity (ROE) | -6.9656% | 7,045 |
| Retained earnings to average equity (ytd only) | -8.4410% | 6,917 |
| Net charge-offs to loans | 0.2920% | 3,452 |
| Credit loss provision to net charge-offs | 391.4013% | 1,131 |
| Earnings coverage of net charge-offs (x) | -0.4682% | 6,472 |
| Efficiency ratio | 103.9294% | 871 |
| Assets per employee ($millions) | 8.1231% | 452 |
| Cash dividends to net income (ytd only)* | -21.1817% | 7,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 2,002 |
| Loan loss allowance to noncurrent loans | 623.1003% | 726 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 3,576 |
| Noncurrent loans to loans | 0.2680% | 6,571 |
| Net loans and leases to total assets | 82.5724% | 1,125 |
| Net loans and leases to deposits | 111.8208% | 716 |
| Net loans and leases to core deposits | 138.4993% | 1,342 |
| Total domestic deposits to total assets | 73.8435% | 6,679 |
| Equity capital to assets | 9.5085% | 4,681 |
| Core capital (leverage) ratio | 8.8710% | 4,934 |
| Tier 1 risk-based capital ratio | 10.5781% | 6,127 |
| Total risk-based capital ratio | 11.8328% | 6,023 |
| Memoranda: | ||
| Average total assets | $137,258,800 | 4,134 |
| Average earning assets | $131,174,200 | 4,025 |
| Average equity | $12,877,600 | 4,610 |
| Average total loans | $107,535,200 | 3,752 |