Home > Washington Savings Bank > Performance and Condition Ratios
Washington Savings 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 | 3.7440% | 4,237 |
| Cost of funding earning assets | 1.7739% | 1,295 |
| Net interest margin | 1.9701% | 4,421 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.0225% | 3,574 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.1890% | 4,180 |
| Return on assets (ROA) | 0.1793% | 4,206 |
| Pretax return on assets | 0.1991% | 4,197 |
| Return on Equity (ROE) | 1.9200% | 4,162 |
| Retained earnings to average equity (ytd only) | 1.9206% | 3,597 |
| Net charge-offs to loans | 0.0505% | 1,357 |
| Credit loss provision to net charge-offs | 210.0592% | 1,188 |
| Earnings coverage of net charge-offs (x) | 9.3964% | 2,294 |
| Efficiency ratio | 88.2663% | 476 |
| Assets per employee ($millions) | 8.0345% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,215 |
| Loan loss allowance to noncurrent loans | 125.3854% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 1,177 |
| Noncurrent loans to loans | 0.8129% | 950 |
| Net loans and leases to total assets | 57.9000% | 3,045 |
| Net loans and leases to deposits | 67.9358% | 3,039 |
| Net loans and leases to core deposits | 72.9992% | 3,125 |
| Total domestic deposits to total assets | 85.2200% | 2,238 |
| Equity capital to assets | 9.6657% | 2,230 |
| Core capital (leverage) ratio | 11.5951% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4246% | 743 |
| Memoranda: | ||
| Average total assets | $587,685,200 | 1,505 |
| Average earning assets | $542,011,000 | 1,520 |
| Average equity | $54,878,200 | 1,491 |
| Average total loans | $334,599,000 | 1,667 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 4,248 |
| Cost of funding earning assets | 1.7044% | 1,179 |
| Net interest margin | 1.9624% | 4,451 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.0343% | 3,508 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.1660% | 4,269 |
| Return on assets (ROA) | 0.1660% | 4,283 |
| Pretax return on assets | 0.1778% | 4,279 |
| Return on Equity (ROE) | 1.7900% | 4,224 |
| Retained earnings to average equity (ytd only) | 1.7932% | 3,770 |
| Net charge-offs to loans | 0.0714% | 974 |
| Credit loss provision to net charge-offs | 199.4382% | 1,133 |
| Earnings coverage of net charge-offs (x) | 6.3989% | 2,293 |
| Efficiency ratio | 88.8328% | 415 |
| Assets per employee ($millions) | 7.9241% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,251 |
| Loan loss allowance to noncurrent loans | 271.8628% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,186 |
| Noncurrent loans to loans | 0.3757% | 1,888 |
| Net loans and leases to total assets | 56.8800% | 3,129 |
| Net loans and leases to deposits | 64.6828% | 3,216 |
| Net loans and leases to core deposits | 67.9753% | 3,327 |
| Total domestic deposits to total assets | 87.9400% | 1,598 |
| Equity capital to assets | 8.8074% | 2,535 |
| Core capital (leverage) ratio | 11.4036% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4316% | 768 |
| Memoranda: | ||
| Average total assets | $587,976,750 | 1,513 |
| Average earning assets | $542,117,250 | 1,519 |
| Average equity | $54,425,000 | 1,493 |
| Average total loans | $332,479,000 | 1,670 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 4,296 |
| Cost of funding earning assets | 1.6107% | 1,037 |
| Net interest margin | 1.9471% | 4,508 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.0411% | 3,489 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.1447% | 4,335 |
| Return on assets (ROA) | 0.1447% | 4,366 |
| Pretax return on assets | 0.1639% | 4,354 |
| Return on Equity (ROE) | 1.5400% | 4,319 |
| Retained earnings to average equity (ytd only) | 1.5385% | 3,818 |
| Net charge-offs to loans | -0.0079% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.1013% | 326 |
| Assets per employee ($millions) | 7.6952% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,432 |
| Loan loss allowance to noncurrent loans | 148.4247% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 1,349 |
| Noncurrent loans to loans | 0.6724% | 1,110 |
| Net loans and leases to total assets | 58.3300% | 2,930 |
| Net loans and leases to deposits | 68.9160% | 2,866 |
| Net loans and leases to core deposits | 70.6885% | 3,087 |
| Total domestic deposits to total assets | 84.6500% | 2,642 |
| Equity capital to assets | 9.3654% | 2,257 |
| Core capital (leverage) ratio | 11.5742% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3199% | 783 |
| Memoranda: | ||
| Average total assets | $585,867,667 | 1,511 |
| Average earning assets | $539,893,000 | 1,529 |
| Average equity | $55,119,000 | 1,477 |
| Average total loans | $329,461,333 | 1,675 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 4,282 |
| Cost of funding earning assets | 1.5313% | 791 |
| Net interest margin | 1.9588% | 4,571 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.0492% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1651% | 4,388 |
| Return on assets (ROA) | 0.1651% | 4,361 |
| Pretax return on assets | 0.1937% | 4,342 |
| Return on Equity (ROE) | 1.7500% | 4,325 |
| Retained earnings to average equity (ytd only) | 1.7507% | 3,740 |
| Net charge-offs to loans | -0.0012% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.5450% | 321 |
| Assets per employee ($millions) | 7.7888% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,408 |
| Loan loss allowance to noncurrent loans | 144.2509% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 1,315 |
| Noncurrent loans to loans | 0.7110% | 1,072 |
| Net loans and leases to total assets | 54.7100% | 3,148 |
| Net loans and leases to deposits | 61.9545% | 3,228 |
| Net loans and leases to core deposits | 63.5241% | 3,369 |
| Total domestic deposits to total assets | 88.3100% | 1,811 |
| Equity capital to assets | 9.5401% | 2,110 |
| Core capital (leverage) ratio | 11.4190% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6492% | 690 |
| Memoranda: | ||
| Average total assets | $586,383,500 | 1,534 |
| Average earning assets | $539,917,500 | 1,538 |
| Average equity | $55,292,500 | 1,486 |
| Average total loans | $321,891,500 | 1,717 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1407% | 3,921 |
| Cost of funding earning assets | 0.7015% | 576 |
| Net interest margin | 2.4392% | 4,336 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.0579% | 3,421 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.5425% | 4,012 |
| Return on assets (ROA) | 0.5425% | 3,967 |
| Pretax return on assets | 0.7209% | 3,808 |
| Return on Equity (ROE) | 5.2700% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.2692% | 2,941 |
| Net charge-offs to loans | -0.0031% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3256% | 1,184 |
| Assets per employee ($millions) | 7.8533% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,080 |
| Loan loss allowance to noncurrent loans | 118.5361% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 1,433 |
| Noncurrent loans to loans | 0.6557% | 1,137 |
| Net loans and leases to total assets | 54.0500% | 3,197 |
| Net loans and leases to deposits | 61.4602% | 3,239 |
| Net loans and leases to core deposits | 62.9261% | 3,332 |
| Total domestic deposits to total assets | 87.9500% | 2,083 |
| Equity capital to assets | 9.3800% | 2,090 |
| Core capital (leverage) ratio | 11.4995% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6578% | 657 |
| Memoranda: | ||
| Average total assets | $585,103,800 | 1,522 |
| Average earning assets | $542,106,200 | 1,517 |
| Average equity | $60,236,800 | 1,397 |
| Average total loans | $324,456,800 | 1,625 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 3,733 |
| Cost of funding earning assets | 0.5541% | 566 |
| Net interest margin | 2.5174% | 4,197 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.0577% | 3,326 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.5617% | 3,937 |
| Return on assets (ROA) | 0.5617% | 3,887 |
| Pretax return on assets | 0.7468% | 3,700 |
| Return on Equity (ROE) | 5.3400% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.3368% | 2,983 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6648% | 1,313 |
| Assets per employee ($millions) | 7.0621% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 4,177 |
| Loan loss allowance to noncurrent loans | 137.8468% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 1,696 |
| Noncurrent loans to loans | 0.5473% | 1,447 |
| Net loans and leases to total assets | 56.4300% | 2,859 |
| Net loans and leases to deposits | 64.9596% | 2,792 |
| Net loans and leases to core deposits | 66.6538% | 2,904 |
| Total domestic deposits to total assets | 86.8700% | 2,805 |
| Equity capital to assets | 9.4907% | 1,892 |
| Core capital (leverage) ratio | 11.3378% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1216% | 717 |
| Memoranda: | ||
| Average total assets | $584,130,500 | 1,530 |
| Average earning assets | $542,135,500 | 1,528 |
| Average equity | $61,484,000 | 1,394 |
| Average total loans | $325,355,250 | 1,616 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9953% | 3,571 |
| Cost of funding earning assets | 0.4744% | 603 |
| Net interest margin | 2.5209% | 4,053 |
| Noninterest income to average assets | 0.4524% | 2,428 |
| Noninterest expense to average assets | 2.0280% | 3,358 |
| Loan and lease loss provision to assets | -0.0205% | 4,433 |
| Net operating income to assets | 0.5917% | 3,649 |
| Return on assets (ROA) | 0.5917% | 3,592 |
| Pretax return on assets | 0.7907% | 3,354 |
| Return on Equity (ROE) | 5.4447% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.4447% | 2,537 |
| Net charge-offs to loans | 0.0037% | 1,904 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 334 |
| Efficiency ratio | 72.4988% | 1,690 |
| Assets per employee ($millions) | 7.1842% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,260 |
| Loan loss allowance to noncurrent loans | 133.4410% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 1,701 |
| Noncurrent loans to loans | 0.5627% | 1,495 |
| Net loans and leases to total assets | 56.2871% | 2,725 |
| Net loans and leases to deposits | 64.8835% | 2,650 |
| Net loans and leases to core deposits | 66.7316% | 2,760 |
| Total domestic deposits to total assets | 86.7510% | 3,020 |
| Equity capital to assets | 9.6269% | 1,920 |
| Core capital (leverage) ratio | 11.2597% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0879% | 704 |
| Memoranda: | ||
| Average total assets | $585,809,667 | 1,531 |
| Average earning assets | $545,123,000 | 1,534 |
| Average equity | $63,658,667 | 1,380 |
| Average total loans | $324,046,667 | 1,620 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9099% | 3,507 |
| Cost of funding earning assets | 0.4492% | 659 |
| Net interest margin | 2.4607% | 3,973 |
| Noninterest income to average assets | 0.4165% | 2,581 |
| Noninterest expense to average assets | 2.0233% | 3,378 |
| Loan and lease loss provision to assets | -0.0408% | 4,499 |
| Net operating income to assets | 0.5581% | 3,533 |
| Return on assets (ROA) | 0.5581% | 3,507 |
| Pretax return on assets | 0.7343% | 3,297 |
| Return on Equity (ROE) | 4.8609% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.8609% | 2,645 |
| Net charge-offs to loans | 0.0062% | 1,527 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,296 |
| Earnings coverage of net charge-offs (x) | 203.8000% | 424 |
| Efficiency ratio | 74.6242% | 1,668 |
| Assets per employee ($millions) | 7.8458% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 4,271 |
| Loan loss allowance to noncurrent loans | 109.8361% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,578 |
| Noncurrent loans to loans | 0.7149% | 1,324 |
| Net loans and leases to total assets | 52.5298% | 2,938 |
| Net loans and leases to deposits | 61.3938% | 2,766 |
| Net loans and leases to core deposits | 63.2322% | 2,864 |
| Total domestic deposits to total assets | 85.5620% | 3,400 |
| Equity capital to assets | 10.7704% | 1,457 |
| Core capital (leverage) ratio | 11.2851% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9293% | 649 |
| Memoranda: | ||
| Average total assets | $587,752,500 | 1,536 |
| Average earning assets | $549,436,000 | 1,532 |
| Average equity | $67,477,500 | 1,365 |
| Average total loans | $321,057,000 | 1,617 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 3,731 |
| Cost of funding earning assets | 0.5116% | 878 |
| Net interest margin | 2.5642% | 4,104 |
| Noninterest income to average assets | 0.5429% | 2,387 |
| Noninterest expense to average assets | 2.1185% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6277% | 3,819 |
| Return on assets (ROA) | 0.6294% | 3,854 |
| Pretax return on assets | 0.8494% | 3,627 |
| Return on Equity (ROE) | 4.5165% | 4,102 |
| Retained earnings to average equity (ytd only) | -14.8059% | 4,797 |
| Net charge-offs to loans | -0.0087% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0427% | 1,610 |
| Assets per employee ($millions) | 7.3319% | 1,703 |
| Cash dividends to net income (ytd only)* | 427.8158% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 4,300 |
| Loan loss allowance to noncurrent loans | 122.3077% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 1,768 |
| Noncurrent loans to loans | 0.6372% | 1,563 |
| Net loans and leases to total assets | 55.9138% | 2,623 |
| Net loans and leases to deposits | 66.6479% | 2,447 |
| Net loans and leases to core deposits | 68.7332% | 2,579 |
| Total domestic deposits to total assets | 83.8943% | 3,590 |
| Equity capital to assets | 12.2117% | 1,167 |
| Core capital (leverage) ratio | 11.3658% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5478% | 694 |
| Memoranda: | ||
| Average total assets | $510,605,200 | 1,675 |
| Average earning assets | $482,453,200 | 1,654 |
| Average equity | $71,160,800 | 1,334 |
| Average total loans | $297,601,400 | 1,714 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1020% | 3,802 |
| Cost of funding earning assets | 0.5175% | 964 |
| Net interest margin | 2.5845% | 4,157 |
| Noninterest income to average assets | 0.4910% | 2,663 |
| Noninterest expense to average assets | 2.0586% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6525% | 3,894 |
| Return on assets (ROA) | 0.6525% | 3,946 |
| Pretax return on assets | 0.8800% | 3,737 |
| Return on Equity (ROE) | 4.5181% | 4,223 |
| Retained earnings to average equity (ytd only) | -21.2059% | 4,886 |
| Net charge-offs to loans | -0.0073% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4189% | 1,666 |
| Assets per employee ($millions) | 7.6256% | 1,493 |
| Cash dividends to net income (ytd only)* | 569.3582% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,326 |
| Loan loss allowance to noncurrent loans | 115.8135% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 1,881 |
| Noncurrent loans to loans | 0.7015% | 1,584 |
| Net loans and leases to total assets | 54.0932% | 2,961 |
| Net loans and leases to deposits | 64.2086% | 2,826 |
| Net loans and leases to core deposits | 66.1391% | 2,940 |
| Total domestic deposits to total assets | 84.2461% | 3,389 |
| Equity capital to assets | 12.6197% | 1,126 |
| Core capital (leverage) ratio | 12.6744% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6307% | 559 |
| Memoranda: | ||
| Average total assets | $493,450,500 | 1,732 |
| Average earning assets | $467,335,500 | 1,707 |
| Average equity | $71,267,750 | 1,350 |
| Average total loans | $290,399,250 | 1,773 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 3,681 |
| Cost of funding earning assets | 0.5377% | 998 |
| Net interest margin | 2.6633% | 4,050 |
| Noninterest income to average assets | 0.5093% | 2,588 |
| Noninterest expense to average assets | 1.9294% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8179% | 3,451 |
| Return on assets (ROA) | 0.8179% | 3,522 |
| Pretax return on assets | 1.1132% | 3,171 |
| Return on Equity (ROE) | 5.3857% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.3857% | 3,039 |
| Net charge-offs to loans | -0.0099% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7655% | 2,618 |
| Assets per employee ($millions) | 8.1180% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 4,158 |
| Loan loss allowance to noncurrent loans | 206.0212% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 2,582 |
| Noncurrent loans to loans | 0.4359% | 2,365 |
| Net loans and leases to total assets | 58.3309% | 2,623 |
| Net loans and leases to deposits | 70.9608% | 2,316 |
| Net loans and leases to core deposits | 72.8522% | 2,533 |
| Total domestic deposits to total assets | 82.2016% | 3,884 |
| Equity capital to assets | 14.9832% | 528 |
| Core capital (leverage) ratio | 14.6904% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8462% | 344 |
| Memoranda: | ||
| Average total assets | $467,293,333 | 1,794 |
| Average earning assets | $444,490,000 | 1,776 |
| Average equity | $70,965,333 | 1,343 |
| Average total loans | $283,230,667 | 1,812 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1646% | 3,747 |
| Cost of funding earning assets | 0.5518% | 1,089 |
| Net interest margin | 2.6128% | 4,123 |
| Noninterest income to average assets | 0.5166% | 2,537 |
| Noninterest expense to average assets | 1.9165% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7949% | 3,438 |
| Return on assets (ROA) | 0.7949% | 3,507 |
| Pretax return on assets | 1.0835% | 3,154 |
| Return on Equity (ROE) | 5.1980% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.1980% | 3,165 |
| Net charge-offs to loans | -0.0113% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2187% | 2,576 |
| Assets per employee ($millions) | 8.2234% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,216 |
| Loan loss allowance to noncurrent loans | 173.4890% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 2,525 |
| Noncurrent loans to loans | 0.5067% | 2,339 |
| Net loans and leases to total assets | 60.7616% | 2,436 |
| Net loans and leases to deposits | 73.7140% | 2,138 |
| Net loans and leases to core deposits | 75.9419% | 2,361 |
| Total domestic deposits to total assets | 82.4289% | 3,809 |
| Equity capital to assets | 14.9615% | 500 |
| Core capital (leverage) ratio | 15.0943% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7566% | 329 |
| Memoranda: | ||
| Average total assets | $461,458,000 | 1,804 |
| Average earning assets | $438,604,000 | 1,783 |
| Average equity | $70,566,000 | 1,341 |
| Average total loans | $283,888,000 | 1,810 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 3,961 |
| Cost of funding earning assets | 0.7814% | 1,294 |
| Net interest margin | 2.7510% | 4,323 |
| Noninterest income to average assets | 0.6621% | 1,980 |
| Noninterest expense to average assets | 2.1145% | 3,903 |
| Loan and lease loss provision to assets | 0.1645% | 2,323 |
| Net operating income to assets | 0.7490% | 3,262 |
| Return on assets (ROA) | 0.7744% | 3,314 |
| Pretax return on assets | 1.0134% | 3,001 |
| Return on Equity (ROE) | 4.7424% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.7424% | 2,398 |
| Net charge-offs to loans | -0.0051% | 4,140 |
| Credit loss provision to net charge-offs | -4,935.7143% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1872% | 2,794 |
| Assets per employee ($millions) | 7.6980% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,188 |
| Loan loss allowance to noncurrent loans | 176.9501% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 2,686 |
| Noncurrent loans to loans | 0.5074% | 2,450 |
| Net loans and leases to total assets | 61.1917% | 2,706 |
| Net loans and leases to deposits | 75.1126% | 2,373 |
| Net loans and leases to core deposits | 77.4818% | 2,598 |
| Total domestic deposits to total assets | 81.4666% | 3,768 |
| Equity capital to assets | 15.6330% | 470 |
| Core capital (leverage) ratio | 15.1592% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1624% | 344 |
| Memoranda: | ||
| Average total assets | $420,185,400 | 1,799 |
| Average earning assets | $396,832,200 | 1,775 |
| Average equity | $68,615,200 | 1,310 |
| Average total loans | $272,516,600 | 1,816 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 4,117 |
| Cost of funding earning assets | 0.8337% | 1,343 |
| Net interest margin | 2.7227% | 4,444 |
| Noninterest income to average assets | 0.6574% | 1,957 |
| Noninterest expense to average assets | 2.0831% | 3,983 |
| Loan and lease loss provision to assets | 0.1428% | 2,592 |
| Net operating income to assets | 0.7469% | 3,296 |
| Return on assets (ROA) | 0.7815% | 3,278 |
| Pretax return on assets | 1.0422% | 2,931 |
| Return on Equity (ROE) | 4.7300% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.7300% | 2,679 |
| Net charge-offs to loans | -0.0320% | 4,552 |
| Credit loss provision to net charge-offs | -678.4615% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9112% | 2,751 |
| Assets per employee ($millions) | 6.9852% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,352 |
| Loan loss allowance to noncurrent loans | 114.5751% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 2,277 |
| Noncurrent loans to loans | 0.7033% | 2,032 |
| Net loans and leases to total assets | 65.9142% | 2,530 |
| Net loans and leases to deposits | 81.6633% | 2,134 |
| Net loans and leases to core deposits | 84.3592% | 2,441 |
| Total domestic deposits to total assets | 80.7146% | 3,720 |
| Equity capital to assets | 16.2527% | 436 |
| Core capital (leverage) ratio | 15.7269% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8283% | 417 |
| Memoranda: | ||
| Average total assets | $411,686,500 | 1,803 |
| Average earning assets | $388,138,000 | 1,785 |
| Average equity | $68,018,500 | 1,308 |
| Average total loans | $270,536,000 | 1,817 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 4,232 |
| Cost of funding earning assets | 0.8864% | 1,435 |
| Net interest margin | 2.7299% | 4,529 |
| Noninterest income to average assets | 0.5730% | 2,242 |
| Noninterest expense to average assets | 2.0729% | 4,094 |
| Loan and lease loss provision to assets | 0.2180% | 1,911 |
| Net operating income to assets | 0.6429% | 3,604 |
| Return on assets (ROA) | 0.6956% | 3,504 |
| Pretax return on assets | 0.9220% | 3,253 |
| Return on Equity (ROE) | 4.1857% | 4,054 |
| Retained earnings to average equity (ytd only) | 4.1857% | 2,828 |
| Net charge-offs to loans | -0.0015% | 3,787 |
| Credit loss provision to net charge-offs | -22,050.0000% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1634% | 2,639 |
| Assets per employee ($millions) | 6.7064% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 4,335 |
| Loan loss allowance to noncurrent loans | 141.1765% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 2,682 |
| Noncurrent loans to loans | 0.5695% | 2,450 |
| Net loans and leases to total assets | 65.8796% | 2,647 |
| Net loans and leases to deposits | 82.2429% | 2,181 |
| Net loans and leases to core deposits | 84.8681% | 2,535 |
| Total domestic deposits to total assets | 80.1037% | 3,815 |
| Equity capital to assets | 16.3943% | 422 |
| Core capital (leverage) ratio | 15.7946% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2403% | 392 |
| Memoranda: | ||
| Average total assets | $404,554,000 | 1,802 |
| Average earning assets | $381,327,333 | 1,781 |
| Average equity | $67,228,667 | 1,312 |
| Average total loans | $264,787,000 | 1,817 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,503 |
| Cost of funding earning assets | 0.9585% | 1,614 |
| Net interest margin | 2.6553% | 4,710 |
| Noninterest income to average assets | 0.4490% | 2,796 |
| Noninterest expense to average assets | 2.0962% | 4,224 |
| Loan and lease loss provision to assets | 0.2609% | 1,195 |
| Net operating income to assets | 0.4536% | 4,008 |
| Return on assets (ROA) | 0.5167% | 3,912 |
| Pretax return on assets | 0.6704% | 3,771 |
| Return on Equity (ROE) | 3.0871% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.0871% | 3,043 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3259% | 2,304 |
| Assets per employee ($millions) | 6.5629% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7770% | 4,456 |
| Loan loss allowance to noncurrent loans | 165.8127% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 3,116 |
| Noncurrent loans to loans | 0.4686% | 2,841 |
| Net loans and leases to total assets | 64.9937% | 2,947 |
| Net loans and leases to deposits | 84.4081% | 2,180 |
| Net loans and leases to core deposits | 87.2207% | 2,580 |
| Total domestic deposits to total assets | 76.9993% | 4,348 |
| Equity capital to assets | 16.3118% | 529 |
| Core capital (leverage) ratio | 16.6324% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4366% | 419 |
| Memoranda: | ||
| Average total assets | $395,580,500 | 1,783 |
| Average earning assets | $372,242,000 | 1,771 |
| Average equity | $66,210,000 | 1,325 |
| Average total loans | $256,881,500 | 1,819 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,627 |
| Cost of funding earning assets | 1.0089% | 1,688 |
| Net interest margin | 2.7451% | 4,796 |
| Noninterest income to average assets | 0.4137% | 3,209 |
| Noninterest expense to average assets | 2.3261% | 3,885 |
| Loan and lease loss provision to assets | 0.0079% | 3,849 |
| Net operating income to assets | 0.5113% | 4,385 |
| Return on assets (ROA) | 0.5151% | 4,425 |
| Pretax return on assets | 0.6618% | 4,299 |
| Return on Equity (ROE) | 3.0345% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.0345% | 3,510 |
| Net charge-offs to loans | 0.0335% | 2,715 |
| Credit loss provision to net charge-offs | 36.1446% | 3,232 |
| Earnings coverage of net charge-offs (x) | 30.4217% | 1,568 |
| Efficiency ratio | 76.9590% | 1,270 |
| Assets per employee ($millions) | 6.5129% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 4,502 |
| Loan loss allowance to noncurrent loans | 134.6954% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 2,937 |
| Noncurrent loans to loans | 0.5444% | 2,540 |
| Net loans and leases to total assets | 63.8680% | 3,217 |
| Net loans and leases to deposits | 79.6929% | 2,815 |
| Net loans and leases to core deposits | 82.3070% | 3,097 |
| Total domestic deposits to total assets | 80.1426% | 3,950 |
| Equity capital to assets | 17.1881% | 446 |
| Core capital (leverage) ratio | 16.6973% | 449 |
| Tier 1 risk-based capital ratio | 26.3677% | 653 |
| Total risk-based capital ratio | 27.1109% | 671 |
| Memoranda: | ||
| Average total assets | $379,736,600 | 1,805 |
| Average earning assets | $356,521,000 | 1,792 |
| Average equity | $64,458,000 | 1,308 |
| Average total loans | $247,994,200 | 1,834 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,718 |
| Cost of funding earning assets | 1.0062% | 1,736 |
| Net interest margin | 2.7507% | 4,891 |
| Noninterest income to average assets | 0.4413% | 3,072 |
| Noninterest expense to average assets | 2.3017% | 3,943 |
| Loan and lease loss provision to assets | 0.0106% | 3,679 |
| Net operating income to assets | 0.5486% | 4,404 |
| Return on assets (ROA) | 0.5536% | 4,451 |
| Pretax return on assets | 0.7163% | 4,311 |
| Return on Equity (ROE) | 3.2718% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.2718% | 3,775 |
| Net charge-offs to loans | 0.0365% | 2,355 |
| Credit loss provision to net charge-offs | 44.1176% | 2,828 |
| Earnings coverage of net charge-offs (x) | 30.0897% | 1,621 |
| Efficiency ratio | 75.3554% | 1,407 |
| Assets per employee ($millions) | 6.5405% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7450% | 4,561 |
| Loan loss allowance to noncurrent loans | 174.2612% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 3,438 |
| Noncurrent loans to loans | 0.4275% | 3,024 |
| Net loans and leases to total assets | 61.0427% | 3,587 |
| Net loans and leases to deposits | 75.4125% | 3,355 |
| Net loans and leases to core deposits | 77.7401% | 3,573 |
| Total domestic deposits to total assets | 80.9451% | 3,777 |
| Equity capital to assets | 16.4256% | 567 |
| Core capital (leverage) ratio | 16.7534% | 469 |
| Tier 1 risk-based capital ratio | 26.6404% | 670 |
| Total risk-based capital ratio | 27.4024% | 688 |
| Memoranda: | ||
| Average total assets | $378,605,750 | 1,822 |
| Average earning assets | $355,251,500 | 1,808 |
| Average equity | $64,060,750 | 1,310 |
| Average total loans | $248,184,750 | 1,848 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 4,720 |
| Cost of funding earning assets | 0.9757% | 1,811 |
| Net interest margin | 2.8129% | 4,918 |
| Noninterest income to average assets | 0.4292% | 3,076 |
| Noninterest expense to average assets | 2.3485% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5550% | 4,413 |
| Return on assets (ROA) | 0.5567% | 4,445 |
| Pretax return on assets | 0.7208% | 4,281 |
| Return on Equity (ROE) | 3.2563% | 4,735 |
| Retained earnings to average equity (ytd only) | 3.2563% | 3,594 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7629% | 1,424 |
| Assets per employee ($millions) | 6.1339% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7611% | 4,579 |
| Loan loss allowance to noncurrent loans | 122.5213% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 2,820 |
| Noncurrent loans to loans | 0.6212% | 2,402 |
| Net loans and leases to total assets | 65.0215% | 3,235 |
| Net loans and leases to deposits | 81.3704% | 2,802 |
| Net loans and leases to core deposits | 83.7395% | 3,128 |
| Total domestic deposits to total assets | 79.9081% | 4,057 |
| Equity capital to assets | 17.3603% | 433 |
| Core capital (leverage) ratio | 17.0013% | 434 |
| Tier 1 risk-based capital ratio | 26.6172% | 649 |
| Total risk-based capital ratio | 27.4009% | 664 |
| Memoranda: | ||
| Average total assets | $371,818,330 | 1,860 |
| Average earning assets | $348,683,000 | 1,841 |
| Average equity | $63,570,000 | 1,313 |
| Average total loans | $249,123,330 | 1,849 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,771 |
| Cost of funding earning assets | 0.9433% | 1,819 |
| Net interest margin | 2.8128% | 4,976 |
| Noninterest income to average assets | 0.4025% | 3,165 |
| Noninterest expense to average assets | 2.3678% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5202% | 4,461 |
| Return on assets (ROA) | 0.5202% | 4,482 |
| Pretax return on assets | 0.6734% | 4,364 |
| Return on Equity (ROE) | 3.0663% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.0663% | 3,708 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0405% | 1,374 |
| Assets per employee ($millions) | 5.9653% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 4,663 |
| Loan loss allowance to noncurrent loans | 155.3705% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,258 |
| Noncurrent loans to loans | 0.4818% | 2,866 |
| Net loans and leases to total assets | 65.8289% | 3,082 |
| Net loans and leases to deposits | 81.8419% | 2,621 |
| Net loans and leases to core deposits | 84.2081% | 3,009 |
| Total domestic deposits to total assets | 80.4343% | 4,089 |
| Equity capital to assets | 16.8873% | 460 |
| Core capital (leverage) ratio | 16.9924% | 423 |
| Tier 1 risk-based capital ratio | 26.0376% | 684 |
| Total risk-based capital ratio | 26.8113% | 702 |
| Memoranda: | ||
| Average total assets | $370,642,500 | 1,874 |
| Average earning assets | $347,698,000 | 1,859 |
| Average equity | $62,876,500 | 1,321 |
| Average total loans | $251,106,500 | 1,853 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,627 |
| Cost of funding earning assets | 0.8056% | 1,497 |
| Net interest margin | 2.9212% | 4,887 |
| Noninterest income to average assets | 0.4297% | 3,246 |
| Noninterest expense to average assets | 2.2824% | 4,165 |
| Loan and lease loss provision to assets | 0.0087% | 3,952 |
| Net operating income to assets | 0.6659% | 4,243 |
| Return on assets (ROA) | 0.6562% | 4,272 |
| Pretax return on assets | 0.8592% | 4,012 |
| Return on Equity (ROE) | 3.9320% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.9320% | 3,414 |
| Net charge-offs to loans | 0.0357% | 2,689 |
| Credit loss provision to net charge-offs | 34.0426% | 3,325 |
| Earnings coverage of net charge-offs (x) | 34.2766% | 1,468 |
| Efficiency ratio | 71.3743% | 1,986 |
| Assets per employee ($millions) | 5.9913% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 4,713 |
| Loan loss allowance to noncurrent loans | 134.8266% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 2,975 |
| Noncurrent loans to loans | 0.5471% | 2,635 |
| Net loans and leases to total assets | 68.7022% | 2,774 |
| Net loans and leases to deposits | 85.7569% | 2,302 |
| Net loans and leases to core deposits | 88.4747% | 2,711 |
| Total domestic deposits to total assets | 80.1127% | 4,078 |
| Equity capital to assets | 17.0433% | 415 |
| Core capital (leverage) ratio | 16.9754% | 408 |
| Tier 1 risk-based capital ratio | 25.6454% | 696 |
| Total risk-based capital ratio | 26.4136% | 716 |
| Memoranda: | ||
| Average total assets | $366,055,600 | 1,849 |
| Average earning assets | $342,464,600 | 1,840 |
| Average equity | $61,089,000 | 1,297 |
| Average total loans | $263,238,800 | 1,766 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,658 |
| Cost of funding earning assets | 0.7637% | 1,516 |
| Net interest margin | 2.9335% | 4,931 |
| Noninterest income to average assets | 0.4100% | 3,422 |
| Noninterest expense to average assets | 2.2978% | 4,108 |
| Loan and lease loss provision to assets | 0.0113% | 3,774 |
| Net operating income to assets | 0.6459% | 4,377 |
| Return on assets (ROA) | 0.6459% | 4,387 |
| Pretax return on assets | 0.8447% | 4,182 |
| Return on Equity (ROE) | 3.8909% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.8909% | 3,826 |
| Net charge-offs to loans | 0.0266% | 2,580 |
| Credit loss provision to net charge-offs | 58.4906% | 2,761 |
| Earnings coverage of net charge-offs (x) | 44.3616% | 1,268 |
| Efficiency ratio | 72.0619% | 1,875 |
| Assets per employee ($millions) | 5.6039% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 4,842 |
| Loan loss allowance to noncurrent loans | 132.7298% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,044 |
| Noncurrent loans to loans | 0.5406% | 2,761 |
| Net loans and leases to total assets | 72.3968% | 2,271 |
| Net loans and leases to deposits | 92.3991% | 1,574 |
| Net loans and leases to core deposits | 95.3974% | 2,172 |
| Total domestic deposits to total assets | 78.3523% | 4,430 |
| Equity capital to assets | 16.8403% | 431 |
| Core capital (leverage) ratio | 16.5600% | 452 |
| Tier 1 risk-based capital ratio | 24.3331% | 809 |
| Total risk-based capital ratio | 25.0855% | 839 |
| Memoranda: | ||
| Average total assets | $366,202,000 | 1,856 |
| Average earning assets | $342,512,750 | 1,846 |
| Average equity | $60,789,250 | 1,302 |
| Average total loans | $265,810,500 | 1,757 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 4,736 |
| Cost of funding earning assets | 0.7228% | 1,506 |
| Net interest margin | 2.8964% | 5,017 |
| Noninterest income to average assets | 0.4029% | 3,461 |
| Noninterest expense to average assets | 2.2821% | 4,184 |
| Loan and lease loss provision to assets | -0.0044% | 5,290 |
| Net operating income to assets | 0.6379% | 4,386 |
| Return on assets (ROA) | 0.6379% | 4,392 |
| Pretax return on assets | 0.8341% | 4,154 |
| Return on Equity (ROE) | 3.8610% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.8610% | 3,673 |
| Net charge-offs to loans | 0.0203% | 2,477 |
| Credit loss provision to net charge-offs | -29.6296% | 3,974 |
| Earnings coverage of net charge-offs (x) | 56.3704% | 1,035 |
| Efficiency ratio | 72.5298% | 1,912 |
| Assets per employee ($millions) | 6.0025% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 4,913 |
| Loan loss allowance to noncurrent loans | 111.6814% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 2,744 |
| Noncurrent loans to loans | 0.6402% | 2,512 |
| Net loans and leases to total assets | 71.7963% | 2,306 |
| Net loans and leases to deposits | 92.0340% | 1,573 |
| Net loans and leases to core deposits | 94.6160% | 2,167 |
| Total domestic deposits to total assets | 78.0106% | 4,589 |
| Equity capital to assets | 16.6381% | 435 |
| Core capital (leverage) ratio | 16.6601% | 428 |
| Tier 1 risk-based capital ratio | 24.0527% | 831 |
| Total risk-based capital ratio | 24.7989% | 849 |
| Memoranda: | ||
| Average total assets | $366,852,330 | 1,857 |
| Average earning assets | $343,115,000 | 1,853 |
| Average equity | $60,605,330 | 1,309 |
| Average total loans | $265,876,670 | 1,756 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5678% | 4,769 |
| Cost of funding earning assets | 0.6898% | 1,496 |
| Net interest margin | 2.8780% | 5,067 |
| Noninterest income to average assets | 0.3922% | 3,526 |
| Noninterest expense to average assets | 2.3006% | 4,193 |
| Loan and lease loss provision to assets | -0.0447% | 5,456 |
| Net operating income to assets | 0.6296% | 4,338 |
| Return on assets (ROA) | 0.6296% | 4,348 |
| Pretax return on assets | 0.8268% | 4,089 |
| Return on Equity (ROE) | 3.8248% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.8248% | 3,663 |
| Net charge-offs to loans | 0.0180% | 2,145 |
| Credit loss provision to net charge-offs | -341.6667% | 3,915 |
| Earnings coverage of net charge-offs (x) | 59.8333% | 844 |
| Efficiency ratio | 73.8163% | 1,923 |
| Assets per employee ($millions) | 5.7187% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 5,016 |
| Loan loss allowance to noncurrent loans | 133.5470% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 3,136 |
| Noncurrent loans to loans | 0.5298% | 2,934 |
| Net loans and leases to total assets | 71.8981% | 2,186 |
| Net loans and leases to deposits | 91.9143% | 1,460 |
| Net loans and leases to core deposits | 94.2956% | 2,112 |
| Total domestic deposits to total assets | 78.2230% | 4,695 |
| Equity capital to assets | 16.5165% | 438 |
| Core capital (leverage) ratio | 16.4239% | 441 |
| Tier 1 risk-based capital ratio | 23.5414% | 887 |
| Total risk-based capital ratio | 24.2722% | 917 |
| Memoranda: | ||
| Average total assets | $367,201,500 | 1,869 |
| Average earning assets | $343,289,000 | 1,858 |
| Average equity | $60,447,500 | 1,322 |
| Average total loans | $266,426,000 | 1,765 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4751% | 4,820 |
| Cost of funding earning assets | 0.6234% | 1,445 |
| Net interest margin | 2.8517% | 5,104 |
| Noninterest income to average assets | 0.4247% | 3,476 |
| Noninterest expense to average assets | 2.2250% | 4,479 |
| Loan and lease loss provision to assets | 0.1271% | 1,800 |
| Net operating income to assets | 0.4282% | 4,596 |
| Return on assets (ROA) | 0.4275% | 4,621 |
| Pretax return on assets | 0.7373% | 4,422 |
| Return on Equity (ROE) | 2.6286% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.6286% | 3,747 |
| Net charge-offs to loans | 0.1798% | 1,391 |
| Credit loss provision to net charge-offs | 99.3631% | 2,616 |
| Earnings coverage of net charge-offs (x) | 6.7665% | 3,140 |
| Efficiency ratio | 71.1424% | 2,371 |
| Assets per employee ($millions) | 5.7563% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 5,032 |
| Loan loss allowance to noncurrent loans | 103.7117% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 2,733 |
| Noncurrent loans to loans | 0.6941% | 2,476 |
| Net loans and leases to total assets | 72.1769% | 2,202 |
| Net loans and leases to deposits | 92.7154% | 1,421 |
| Net loans and leases to core deposits | 95.3427% | 2,085 |
| Total domestic deposits to total assets | 77.8478% | 4,737 |
| Equity capital to assets | 16.4072% | 466 |
| Core capital (leverage) ratio | 16.2649% | 440 |
| Tier 1 risk-based capital ratio | 23.1698% | 892 |
| Total risk-based capital ratio | 23.9146% | 928 |
| Memoranda: | ||
| Average total assets | $368,222,600 | 1,838 |
| Average earning assets | $344,215,600 | 1,820 |
| Average equity | $59,880,000 | 1,312 |
| Average total loans | $262,018,600 | 1,752 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 4,890 |
| Cost of funding earning assets | 0.6052% | 1,495 |
| Net interest margin | 2.8489% | 5,159 |
| Noninterest income to average assets | 0.4382% | 3,417 |
| Noninterest expense to average assets | 2.2452% | 4,428 |
| Loan and lease loss provision to assets | 0.0808% | 2,476 |
| Net operating income to assets | 0.5447% | 4,599 |
| Return on assets (ROA) | 0.5447% | 4,631 |
| Pretax return on assets | 0.7768% | 4,414 |
| Return on Equity (ROE) | 3.3567% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.3567% | 3,931 |
| Net charge-offs to loans | 0.0215% | 3,042 |
| Credit loss provision to net charge-offs | 530.9524% | 599 |
| Earnings coverage of net charge-offs (x) | 56.3795% | 1,033 |
| Efficiency ratio | 71.5103% | 2,278 |
| Assets per employee ($millions) | 5.8407% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,895 |
| Loan loss allowance to noncurrent loans | 101.8813% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 2,743 |
| Noncurrent loans to loans | 0.7845% | 2,401 |
| Net loans and leases to total assets | 71.2404% | 2,372 |
| Net loans and leases to deposits | 92.4797% | 1,500 |
| Net loans and leases to core deposits | 94.9061% | 2,179 |
| Total domestic deposits to total assets | 77.0335% | 4,884 |
| Equity capital to assets | 16.5194% | 482 |
| Core capital (leverage) ratio | 15.9004% | 505 |
| Tier 1 risk-based capital ratio | 23.3614% | 913 |
| Total risk-based capital ratio | 24.1862% | 939 |
| Memoranda: | ||
| Average total assets | $368,176,750 | 1,852 |
| Average earning assets | $344,364,000 | 1,837 |
| Average equity | $59,738,750 | 1,323 |
| Average total loans | $260,565,250 | 1,770 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3880% | 4,985 |
| Cost of funding earning assets | 0.5769% | 1,599 |
| Net interest margin | 2.8111% | 5,225 |
| Noninterest income to average assets | 0.4535% | 3,329 |
| Noninterest expense to average assets | 2.2322% | 4,496 |
| Loan and lease loss provision to assets | 0.0869% | 2,247 |
| Net operating income to assets | 0.5295% | 4,616 |
| Return on assets (ROA) | 0.5295% | 4,644 |
| Pretax return on assets | 0.7625% | 4,396 |
| Return on Equity (ROE) | 3.2834% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.2834% | 3,765 |
| Net charge-offs to loans | 0.0254% | 2,704 |
| Credit loss provision to net charge-offs | 484.8485% | 680 |
| Earnings coverage of net charge-offs (x) | 47.3939% | 1,116 |
| Efficiency ratio | 71.5545% | 2,422 |
| Assets per employee ($millions) | 5.8913% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 5,026 |
| Loan loss allowance to noncurrent loans | 106.0278% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,037 |
| Noncurrent loans to loans | 0.7237% | 2,580 |
| Net loans and leases to total assets | 70.5896% | 2,429 |
| Net loans and leases to deposits | 93.4654% | 1,314 |
| Net loans and leases to core deposits | 95.9020% | 1,990 |
| Total domestic deposits to total assets | 75.5249% | 5,144 |
| Equity capital to assets | 15.9804% | 532 |
| Core capital (leverage) ratio | 16.1030% | 465 |
| Tier 1 risk-based capital ratio | 22.4281% | 999 |
| Total risk-based capital ratio | 23.2068% | 1,036 |
| Memoranda: | ||
| Average total assets | $368,246,670 | 1,854 |
| Average earning assets | $344,276,330 | 1,841 |
| Average equity | $59,389,670 | 1,329 |
| Average total loans | $259,336,000 | 1,769 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 4,998 |
| Cost of funding earning assets | 0.5735% | 1,552 |
| Net interest margin | 2.7959% | 5,248 |
| Noninterest income to average assets | 0.3925% | 3,718 |
| Noninterest expense to average assets | 2.2526% | 4,528 |
| Loan and lease loss provision to assets | 0.0693% | 2,428 |
| Net operating income to assets | 0.4804% | 4,672 |
| Return on assets (ROA) | 0.4804% | 4,695 |
| Pretax return on assets | 0.6805% | 4,505 |
| Return on Equity (ROE) | 2.9648% | 5,109 |
| Retained earnings to average equity (ytd only) | 2.9648% | 3,929 |
| Net charge-offs to loans | 0.0220% | 2,333 |
| Credit loss provision to net charge-offs | 450.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 48.7143% | 914 |
| Efficiency ratio | 74.1120% | 2,212 |
| Assets per employee ($millions) | 5.7353% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 5,134 |
| Loan loss allowance to noncurrent loans | 101.3825% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 3,104 |
| Noncurrent loans to loans | 0.7630% | 2,573 |
| Net loans and leases to total assets | 69.1891% | 2,504 |
| Net loans and leases to deposits | 88.3843% | 1,746 |
| Net loans and leases to core deposits | 90.6666% | 2,296 |
| Total domestic deposits to total assets | 78.2821% | 4,934 |
| Equity capital to assets | 16.1414% | 471 |
| Core capital (leverage) ratio | 16.2075% | 438 |
| Tier 1 risk-based capital ratio | 23.7228% | 893 |
| Total risk-based capital ratio | 24.5227% | 929 |
| Memoranda: | ||
| Average total assets | $363,848,000 | 1,880 |
| Average earning assets | $339,639,500 | 1,871 |
| Average equity | $58,958,000 | 1,336 |
| Average total loans | $254,898,000 | 1,806 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3413% | 5,098 |
| Cost of funding earning assets | 0.5907% | 1,401 |
| Net interest margin | 2.7506% | 5,356 |
| Noninterest income to average assets | 0.4375% | 3,634 |
| Noninterest expense to average assets | 2.3002% | 4,557 |
| Loan and lease loss provision to assets | 0.0906% | 2,548 |
| Net operating income to assets | 0.4362% | 4,834 |
| Return on assets (ROA) | 0.4526% | 4,868 |
| Pretax return on assets | 0.6346% | 4,693 |
| Return on Equity (ROE) | 2.7136% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.7136% | 3,976 |
| Net charge-offs to loans | 0.0219% | 3,604 |
| Credit loss provision to net charge-offs | 611.5385% | 559 |
| Earnings coverage of net charge-offs (x) | 47.4038% | 1,043 |
| Efficiency ratio | 75.6854% | 2,032 |
| Assets per employee ($millions) | 5.8167% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 5,210 |
| Loan loss allowance to noncurrent loans | 88.7000% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 2,806 |
| Noncurrent loans to loans | 0.8576% | 2,390 |
| Net loans and leases to total assets | 69.8542% | 2,500 |
| Net loans and leases to deposits | 89.4014% | 1,748 |
| Net loans and leases to core deposits | 91.6689% | 2,331 |
| Total domestic deposits to total assets | 78.1355% | 4,959 |
| Equity capital to assets | 16.2677% | 464 |
| Core capital (leverage) ratio | 16.4598% | 404 |
| Tier 1 risk-based capital ratio | 24.5290% | 814 |
| Total risk-based capital ratio | 25.3419% | 836 |
| Memoranda: | ||
| Average total assets | $351,103,400 | 1,898 |
| Average earning assets | $327,385,000 | 1,886 |
| Average equity | $58,557,400 | 1,319 |
| Average total loans | $237,018,800 | 1,863 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 5,137 |
| Cost of funding earning assets | 0.6012% | 1,318 |
| Net interest margin | 2.7411% | 5,445 |
| Noninterest income to average assets | 0.4374% | 3,648 |
| Noninterest expense to average assets | 2.3598% | 4,381 |
| Loan and lease loss provision to assets | 0.0952% | 2,319 |
| Net operating income to assets | 0.3914% | 5,048 |
| Return on assets (ROA) | 0.4137% | 5,068 |
| Pretax return on assets | 0.5708% | 4,953 |
| Return on Equity (ROE) | 2.4648% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.4648% | 4,448 |
| Net charge-offs to loans | 0.0275% | 3,118 |
| Credit loss provision to net charge-offs | 518.7500% | 685 |
| Earnings coverage of net charge-offs (x) | 34.6033% | 1,356 |
| Efficiency ratio | 77.8629% | 1,704 |
| Assets per employee ($millions) | 5.4584% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 5,254 |
| Loan loss allowance to noncurrent loans | 78.2299% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 2,848 |
| Noncurrent loans to loans | 0.9943% | 2,255 |
| Net loans and leases to total assets | 68.1040% | 2,789 |
| Net loans and leases to deposits | 85.2795% | 2,337 |
| Net loans and leases to core deposits | 87.2901% | 2,824 |
| Total domestic deposits to total assets | 79.8597% | 4,542 |
| Equity capital to assets | 16.9651% | 438 |
| Core capital (leverage) ratio | 16.5098% | 415 |
| Tier 1 risk-based capital ratio | 25.7820% | 733 |
| Total risk-based capital ratio | 26.6146% | 760 |
| Memoranda: | ||
| Average total assets | $348,720,750 | 1,911 |
| Average earning assets | $325,364,000 | 1,906 |
| Average equity | $58,530,000 | 1,328 |
| Average total loans | $232,811,250 | 1,887 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 5,101 |
| Cost of funding earning assets | 0.6355% | 1,112 |
| Net interest margin | 2.7549% | 5,499 |
| Noninterest income to average assets | 0.4218% | 3,721 |
| Noninterest expense to average assets | 2.3712% | 4,423 |
| Loan and lease loss provision to assets | 0.1067% | 2,077 |
| Net operating income to assets | 0.3761% | 5,104 |
| Return on assets (ROA) | 0.4063% | 5,099 |
| Pretax return on assets | 0.5549% | 5,009 |
| Return on Equity (ROE) | 2.4294% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.4294% | 4,339 |
| Net charge-offs to loans | 0.0208% | 3,076 |
| Credit loss provision to net charge-offs | 775.0000% | 464 |
| Earnings coverage of net charge-offs (x) | 45.0417% | 1,068 |
| Efficiency ratio | 79.2634% | 1,599 |
| Assets per employee ($millions) | 5.6130% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 5,339 |
| Loan loss allowance to noncurrent loans | 84.4979% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 3,119 |
| Noncurrent loans to loans | 0.9147% | 2,451 |
| Net loans and leases to total assets | 67.3603% | 2,888 |
| Net loans and leases to deposits | 84.3758% | 2,425 |
| Net loans and leases to core deposits | 86.3889% | 2,862 |
| Total domestic deposits to total assets | 79.8337% | 4,587 |
| Equity capital to assets | 16.9417% | 439 |
| Core capital (leverage) ratio | 16.4806% | 408 |
| Tier 1 risk-based capital ratio | 26.1580% | 715 |
| Total risk-based capital ratio | 26.9908% | 723 |
| Memoranda: | ||
| Average total assets | $348,516,000 | 1,922 |
| Average earning assets | $325,099,000 | 1,904 |
| Average equity | $58,285,000 | 1,336 |
| Average total loans | $230,489,670 | 1,907 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 5,227 |
| Cost of funding earning assets | 0.6401% | 1,103 |
| Net interest margin | 2.7079% | 5,609 |
| Noninterest income to average assets | 0.3762% | 4,023 |
| Noninterest expense to average assets | 2.3465% | 4,528 |
| Loan and lease loss provision to assets | 0.1124% | 1,861 |
| Net operating income to assets | 0.3312% | 5,209 |
| Return on assets (ROA) | 0.3578% | 5,204 |
| Pretax return on assets | 0.4760% | 5,148 |
| Return on Equity (ROE) | 2.1536% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.1536% | 4,396 |
| Net charge-offs to loans | -0.0018% | 4,111 |
| Credit loss provision to net charge-offs | -9,800.0000% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9335% | 1,492 |
| Assets per employee ($millions) | 8.4071% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 5,497 |
| Loan loss allowance to noncurrent loans | 79.8460% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 3,145 |
| Noncurrent loans to loans | 0.9396% | 2,502 |
| Net loans and leases to total assets | 66.0538% | 2,934 |
| Net loans and leases to deposits | 82.1847% | 2,522 |
| Net loans and leases to core deposits | 83.9830% | 2,939 |
| Total domestic deposits to total assets | 80.3724% | 4,665 |
| Equity capital to assets | 16.4973% | 478 |
| Core capital (leverage) ratio | 16.5681% | 411 |
| Tier 1 risk-based capital ratio | 25.7642% | 753 |
| Total risk-based capital ratio | 26.5618% | 776 |
| Memoranda: | ||
| Average total assets | $348,771,000 | 1,920 |
| Average earning assets | $324,972,500 | 1,909 |
| Average equity | $57,948,500 | 1,336 |
| Average total loans | $227,612,500 | 1,933 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,194 |
| Cost of funding earning assets | 0.6930% | 850 |
| Net interest margin | 2.6914% | 5,658 |
| Noninterest income to average assets | 0.4533% | 3,639 |
| Noninterest expense to average assets | 2.2837% | 4,837 |
| Loan and lease loss provision to assets | 0.0517% | 3,286 |
| Net operating income to assets | 0.4729% | 4,799 |
| Return on assets (ROA) | 0.4751% | 4,870 |
| Pretax return on assets | 0.6306% | 4,742 |
| Return on Equity (ROE) | 3.6235% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.6235% | 3,477 |
| Net charge-offs to loans | 0.0386% | 3,455 |
| Credit loss provision to net charge-offs | 204.2254% | 1,368 |
| Earnings coverage of net charge-offs (x) | 26.8310% | 1,569 |
| Efficiency ratio | 77.0703% | 2,109 |
| Assets per employee ($millions) | 5.9426% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 5,519 |
| Loan loss allowance to noncurrent loans | 68.6752% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 2,904 |
| Noncurrent loans to loans | 1.0997% | 2,140 |
| Net loans and leases to total assets | 63.4451% | 3,355 |
| Net loans and leases to deposits | 77.2115% | 3,137 |
| Net loans and leases to core deposits | 79.1502% | 3,431 |
| Total domestic deposits to total assets | 82.1705% | 4,120 |
| Equity capital to assets | 16.7818% | 432 |
| Core capital (leverage) ratio | 16.5894% | 406 |
| Tier 1 risk-based capital ratio | 26.6889% | 692 |
| Total risk-based capital ratio | 27.4688% | 705 |
| Memoranda: | ||
| Average total assets | $280,372,200 | 2,268 |
| Average earning assets | $261,457,800 | 2,256 |
| Average equity | $36,759,800 | 1,947 |
| Average total loans | $183,927,600 | 2,198 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 5,421 |
| Cost of funding earning assets | 0.7010% | 832 |
| Net interest margin | 2.5925% | 5,839 |
| Noninterest income to average assets | 0.4056% | 4,050 |
| Noninterest expense to average assets | 2.2711% | 4,856 |
| Loan and lease loss provision to assets | 0.0661% | 2,861 |
| Net operating income to assets | 0.3680% | 5,267 |
| Return on assets (ROA) | 0.3703% | 5,339 |
| Pretax return on assets | 0.4914% | 5,240 |
| Return on Equity (ROE) | 3.1079% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.1079% | 4,242 |
| Net charge-offs to loans | 0.0374% | 3,151 |
| Credit loss provision to net charge-offs | 267.3469% | 1,077 |
| Earnings coverage of net charge-offs (x) | 22.4292% | 1,778 |
| Efficiency ratio | 80.3785% | 1,606 |
| Assets per employee ($millions) | 6.2371% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,036 |
| Loan loss allowance to noncurrent loans | 98.4108% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 3,312 |
| Noncurrent loans to loans | 0.9523% | 2,596 |
| Net loans and leases to total assets | 67.4700% | 2,778 |
| Net loans and leases to deposits | 78.3359% | 3,064 |
| Net loans and leases to core deposits | 80.0003% | 3,426 |
| Total domestic deposits to total assets | 86.1291% | 2,465 |
| Equity capital to assets | 12.1443% | 2,002 |
| Core capital (leverage) ratio | 11.8431% | 1,786 |
| Tier 1 risk-based capital ratio | 19.0163% | 1,772 |
| Total risk-based capital ratio | 20.0389% | 1,795 |
| Memoranda: | ||
| Average total assets | $264,297,500 | 2,409 |
| Average earning assets | $246,704,500 | 2,392 |
| Average equity | $31,489,250 | 2,241 |
| Average total loans | $174,824,250 | 2,312 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2284% | 5,571 |
| Cost of funding earning assets | 0.6987% | 846 |
| Net interest margin | 2.5298% | 5,935 |
| Noninterest income to average assets | 0.3984% | 4,088 |
| Noninterest expense to average assets | 2.1164% | 5,303 |
| Loan and lease loss provision to assets | 0.0656% | 2,804 |
| Net operating income to assets | 0.4238% | 5,069 |
| Return on assets (ROA) | 0.4233% | 5,174 |
| Pretax return on assets | 0.5787% | 5,030 |
| Return on Equity (ROE) | 3.5754% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,748 |
| Net charge-offs to loans | 0.0311% | 3,036 |
| Credit loss provision to net charge-offs | 322.2222% | 884 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,322 |
| Efficiency ratio | 76.6393% | 2,261 |
| Assets per employee ($millions) | 6.1978% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 5,115 |
| Loan loss allowance to noncurrent loans | 69.8561% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 2,716 |
| Noncurrent loans to loans | 1.3531% | 1,992 |
| Net loans and leases to total assets | 66.4253% | 2,885 |
| Net loans and leases to deposits | 77.4406% | 3,101 |
| Net loans and leases to core deposits | 79.4639% | 3,446 |
| Total domestic deposits to total assets | 85.7758% | 2,806 |
| Equity capital to assets | 12.0829% | 1,961 |
| Core capital (leverage) ratio | 11.8619% | 1,740 |
| Tier 1 risk-based capital ratio | 19.2661% | 1,726 |
| Total risk-based capital ratio | 20.2942% | 1,753 |
| Memoranda: | ||
| Average total assets | $265,077,330 | 2,412 |
| Average earning assets | $247,613,000 | 2,392 |
| Average equity | $31,381,330 | 2,254 |
| Average total loans | $173,627,330 | 2,330 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 5,600 |
| Cost of funding earning assets | 0.7056% | 834 |
| Net interest margin | 2.5242% | 5,992 |
| Noninterest income to average assets | 0.3799% | 4,164 |
| Noninterest expense to average assets | 2.0638% | 5,463 |
| Loan and lease loss provision to assets | 0.0658% | 2,621 |
| Net operating income to assets | 0.4139% | 5,018 |
| Return on assets (ROA) | 0.4128% | 5,136 |
| Pretax return on assets | 0.5653% | 5,006 |
| Return on Equity (ROE) | 3.5220% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.5220% | 3,883 |
| Net charge-offs to loans | 0.0092% | 3,028 |
| Credit loss provision to net charge-offs | 1,100.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 105.7500% | 474 |
| Efficiency ratio | 76.5391% | 2,418 |
| Assets per employee ($millions) | 6.5070% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 5,248 |
| Loan loss allowance to noncurrent loans | 69.1264% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 2,867 |
| Noncurrent loans to loans | 1.3744% | 2,090 |
| Net loans and leases to total assets | 63.6985% | 3,133 |
| Net loans and leases to deposits | 73.6644% | 3,355 |
| Net loans and leases to core deposits | 75.5225% | 3,637 |
| Total domestic deposits to total assets | 86.4713% | 2,682 |
| Equity capital to assets | 11.8154% | 2,178 |
| Core capital (leverage) ratio | 11.5453% | 1,962 |
| Tier 1 risk-based capital ratio | 19.3261% | 1,784 |
| Total risk-based capital ratio | 20.3544% | 1,797 |
| Memoranda: | ||
| Average total assets | $267,461,500 | 2,405 |
| Average earning assets | $245,468,500 | 2,418 |
| Average equity | $31,345,500 | 2,269 |
| Average total loans | $173,160,500 | 2,337 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,626 |
| Cost of funding earning assets | 0.7427% | 881 |
| Net interest margin | 2.6051% | 6,064 |
| Noninterest income to average assets | 0.4272% | 3,990 |
| Noninterest expense to average assets | 2.1210% | 5,525 |
| Loan and lease loss provision to assets | 0.0760% | 2,956 |
| Net operating income to assets | 0.4639% | 4,952 |
| Return on assets (ROA) | 0.4693% | 5,029 |
| Pretax return on assets | 0.6639% | 4,744 |
| Return on Equity (ROE) | 4.0862% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.0862% | 3,298 |
| Net charge-offs to loans | 0.0380% | 4,073 |
| Credit loss provision to net charge-offs | 307.6923% | 845 |
| Earnings coverage of net charge-offs (x) | 29.6462% | 1,350 |
| Efficiency ratio | 74.3340% | 2,781 |
| Assets per employee ($millions) | 6.3842% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 5,444 |
| Loan loss allowance to noncurrent loans | 74.5429% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 3,006 |
| Noncurrent loans to loans | 1.2206% | 2,407 |
| Net loans and leases to total assets | 64.5798% | 3,130 |
| Net loans and leases to deposits | 74.5709% | 3,365 |
| Net loans and leases to core deposits | 76.4363% | 3,660 |
| Total domestic deposits to total assets | 86.6019% | 2,506 |
| Equity capital to assets | 11.6244% | 2,323 |
| Core capital (leverage) ratio | 11.2658% | 2,165 |
| Tier 1 risk-based capital ratio | 19.0558% | 1,834 |
| Total risk-based capital ratio | 20.0543% | 1,869 |
| Memoranda: | ||
| Average total assets | $263,136,200 | 2,399 |
| Average earning assets | $245,057,400 | 2,383 |
| Average equity | $30,223,800 | 2,259 |
| Average total loans | $171,180,200 | 2,314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 5,649 |
| Cost of funding earning assets | 0.7471% | 902 |
| Net interest margin | 2.6159% | 6,113 |
| Noninterest income to average assets | 0.4068% | 4,193 |
| Noninterest expense to average assets | 2.0899% | 5,597 |
| Loan and lease loss provision to assets | 0.0759% | 2,820 |
| Net operating income to assets | 0.4777% | 4,955 |
| Return on assets (ROA) | 0.4831% | 5,008 |
| Pretax return on assets | 0.6837% | 4,751 |
| Return on Equity (ROE) | 4.2194% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.2194% | 3,648 |
| Net charge-offs to loans | 0.0611% | 3,334 |
| Credit loss provision to net charge-offs | 191.0256% | 1,315 |
| Earnings coverage of net charge-offs (x) | 18.9354% | 1,810 |
| Efficiency ratio | 73.5399% | 2,894 |
| Assets per employee ($millions) | 6.2761% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 5,702 |
| Loan loss allowance to noncurrent loans | 70.8778% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 3,384 |
| Noncurrent loans to loans | 1.2185% | 2,609 |
| Net loans and leases to total assets | 66.4506% | 2,782 |
| Net loans and leases to deposits | 80.1406% | 2,666 |
| Net loans and leases to core deposits | 83.1116% | 2,985 |
| Total domestic deposits to total assets | 82.9174% | 4,178 |
| Equity capital to assets | 11.6367% | 2,368 |
| Core capital (leverage) ratio | 11.1728% | 2,334 |
| Tier 1 risk-based capital ratio | 18.7483% | 1,971 |
| Total risk-based capital ratio | 19.7001% | 2,031 |
| Memoranda: | ||
| Average total assets | $261,886,500 | 2,433 |
| Average earning assets | $243,786,750 | 2,410 |
| Average equity | $29,987,500 | 2,286 |
| Average total loans | $170,287,500 | 2,338 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 5,761 |
| Cost of funding earning assets | 0.7494% | 925 |
| Net interest margin | 2.5772% | 6,203 |
| Noninterest income to average assets | 0.4164% | 4,125 |
| Noninterest expense to average assets | 2.1170% | 5,593 |
| Loan and lease loss provision to assets | 0.0765% | 2,743 |
| Net operating income to assets | 0.4439% | 5,040 |
| Return on assets (ROA) | 0.4439% | 5,116 |
| Pretax return on assets | 0.6207% | 4,890 |
| Return on Equity (ROE) | 3.8980% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.8980% | 3,698 |
| Net charge-offs to loans | 0.0226% | 3,756 |
| Credit loss provision to net charge-offs | 526.3158% | 562 |
| Earnings coverage of net charge-offs (x) | 47.9474% | 935 |
| Efficiency ratio | 75.2244% | 2,772 |
| Assets per employee ($millions) | 6.3212% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 5,714 |
| Loan loss allowance to noncurrent loans | 75.8144% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 3,648 |
| Noncurrent loans to loans | 1.1916% | 2,849 |
| Net loans and leases to total assets | 63.4609% | 3,167 |
| Net loans and leases to deposits | 73.4156% | 3,400 |
| Net loans and leases to core deposits | 76.0001% | 3,631 |
| Total domestic deposits to total assets | 86.4406% | 2,794 |
| Equity capital to assets | 11.4109% | 2,507 |
| Core capital (leverage) ratio | 11.2628% | 2,183 |
| Tier 1 risk-based capital ratio | 19.0044% | 1,923 |
| Total risk-based capital ratio | 19.9877% | 1,956 |
| Memoranda: | ||
| Average total assets | $261,316,670 | 2,443 |
| Average earning assets | $243,130,670 | 2,411 |
| Average equity | $29,758,670 | 2,285 |
| Average total loans | $168,154,330 | 2,356 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3192% | 5,807 |
| Cost of funding earning assets | 0.7481% | 980 |
| Net interest margin | 2.5711% | 6,273 |
| Noninterest income to average assets | 0.4336% | 3,920 |
| Noninterest expense to average assets | 2.1942% | 5,477 |
| Loan and lease loss provision to assets | 0.0694% | 2,747 |
| Net operating income to assets | 0.4027% | 5,103 |
| Return on assets (ROA) | 0.4027% | 5,171 |
| Pretax return on assets | 0.5617% | 4,980 |
| Return on Equity (ROE) | 3.5401% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.5401% | 4,011 |
| Net charge-offs to loans | 0.0431% | 2,781 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 22.7222% | 1,241 |
| Efficiency ratio | 77.6625% | 2,524 |
| Assets per employee ($millions) | 6.2870% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 5,901 |
| Loan loss allowance to noncurrent loans | 68.2320% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 3,623 |
| Noncurrent loans to loans | 1.3002% | 2,853 |
| Net loans and leases to total assets | 62.7012% | 3,124 |
| Net loans and leases to deposits | 72.4028% | 3,283 |
| Net loans and leases to core deposits | 74.8858% | 3,543 |
| Total domestic deposits to total assets | 86.6005% | 3,047 |
| Equity capital to assets | 11.2553% | 2,475 |
| Core capital (leverage) ratio | 11.4580% | 1,999 |
| Tier 1 risk-based capital ratio | 19.0431% | 1,952 |
| Total risk-based capital ratio | 20.0042% | 2,002 |
| Memoranda: | ||
| Average total assets | $259,229,500 | 2,463 |
| Average earning assets | $241,140,000 | 2,429 |
| Average equity | $29,490,500 | 2,301 |
| Average total loans | $167,222,000 | 2,372 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 5,807 |
| Cost of funding earning assets | 0.8087% | 1,169 |
| Net interest margin | 2.6082% | 6,255 |
| Noninterest income to average assets | 0.3891% | 4,523 |
| Noninterest expense to average assets | 2.1101% | 5,812 |
| Loan and lease loss provision to assets | 0.0511% | 4,115 |
| Net operating income to assets | 0.4701% | 4,871 |
| Return on assets (ROA) | 0.5196% | 4,781 |
| Pretax return on assets | 0.7286% | 4,425 |
| Return on Equity (ROE) | 4.5738% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.5738% | 2,906 |
| Net charge-offs to loans | 0.0605% | 4,364 |
| Credit loss provision to net charge-offs | 137.5000% | 1,703 |
| Earnings coverage of net charge-offs (x) | 19.1042% | 1,623 |
| Efficiency ratio | 74.8215% | 2,985 |
| Assets per employee ($millions) | 6.2050% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,009 |
| Loan loss allowance to noncurrent loans | 58.4103% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 3,306 |
| Noncurrent loans to loans | 1.4881% | 2,661 |
| Net loans and leases to total assets | 65.2275% | 2,817 |
| Net loans and leases to deposits | 75.5683% | 3,018 |
| Net loans and leases to core deposits | 78.4155% | 3,308 |
| Total domestic deposits to total assets | 86.3159% | 3,106 |
| Equity capital to assets | 11.5017% | 2,163 |
| Core capital (leverage) ratio | 11.3653% | 2,062 |
| Tier 1 risk-based capital ratio | 19.1191% | 1,880 |
| Total risk-based capital ratio | 20.0750% | 1,934 |
| Memoranda: | ||
| Average total assets | $258,287,000 | 2,448 |
| Average earning assets | $240,742,800 | 2,417 |
| Average equity | $29,341,000 | 2,291 |
| Average total loans | $158,643,400 | 2,443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 5,834 |
| Cost of funding earning assets | 0.8192% | 1,211 |
| Net interest margin | 2.6042% | 6,309 |
| Noninterest income to average assets | 0.3775% | 4,691 |
| Noninterest expense to average assets | 2.1481% | 5,722 |
| Loan and lease loss provision to assets | 0.0540% | 3,955 |
| Net operating income to assets | 0.4359% | 5,089 |
| Return on assets (ROA) | 0.4947% | 4,982 |
| Pretax return on assets | 0.6866% | 4,731 |
| Return on Equity (ROE) | 4.3685% | 5,045 |
| Retained earnings to average equity (ytd only) | 4.3685% | 3,567 |
| Net charge-offs to loans | 0.0128% | 4,883 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 85.3980% | 558 |
| Efficiency ratio | 76.5299% | 2,644 |
| Assets per employee ($millions) | 6.1281% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 5,995 |
| Loan loss allowance to noncurrent loans | 62.0477% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 3,627 |
| Noncurrent loans to loans | 1.4867% | 2,936 |
| Net loans and leases to total assets | 62.9697% | 3,172 |
| Net loans and leases to deposits | 73.6621% | 3,290 |
| Net loans and leases to core deposits | 75.7141% | 3,646 |
| Total domestic deposits to total assets | 85.4846% | 3,500 |
| Equity capital to assets | 11.2258% | 2,535 |
| Core capital (leverage) ratio | 10.9878% | 2,494 |
| Tier 1 risk-based capital ratio | 19.3393% | 1,898 |
| Total risk-based capital ratio | 20.3554% | 1,924 |
| Memoranda: | ||
| Average total assets | $259,257,500 | 2,462 |
| Average earning assets | $241,856,250 | 2,428 |
| Average equity | $29,361,000 | 2,315 |
| Average total loans | $156,455,000 | 2,476 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 5,936 |
| Cost of funding earning assets | 0.8295% | 1,261 |
| Net interest margin | 2.5561% | 6,378 |
| Noninterest income to average assets | 0.3709% | 4,740 |
| Noninterest expense to average assets | 2.1210% | 5,828 |
| Loan and lease loss provision to assets | 0.0693% | 3,652 |
| Net operating income to assets | 0.4117% | 5,170 |
| Return on assets (ROA) | 0.4948% | 4,996 |
| Pretax return on assets | 0.6842% | 4,734 |
| Return on Equity (ROE) | 4.3568% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.3568% | 3,499 |
| Net charge-offs to loans | -0.0039% | 5,592 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8759% | 2,653 |
| Assets per employee ($millions) | 6.8089% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 5,934 |
| Loan loss allowance to noncurrent loans | 65.9686% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 3,878 |
| Noncurrent loans to loans | 1.4693% | 3,104 |
| Net loans and leases to total assets | 59.7060% | 3,713 |
| Net loans and leases to deposits | 68.6846% | 3,909 |
| Net loans and leases to core deposits | 70.4558% | 4,220 |
| Total domestic deposits to total assets | 86.9277% | 2,859 |
| Equity capital to assets | 11.2774% | 2,493 |
| Core capital (leverage) ratio | 10.8946% | 2,461 |
| Tier 1 risk-based capital ratio | 19.5557% | 1,840 |
| Total risk-based capital ratio | 20.5969% | 1,868 |
| Memoranda: | ||
| Average total assets | $259,883,000 | 2,460 |
| Average earning assets | $242,794,330 | 2,420 |
| Average equity | $29,517,000 | 2,308 |
| Average total loans | $154,079,670 | 2,519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 6,035 |
| Cost of funding earning assets | 0.8467% | 1,267 |
| Net interest margin | 2.5104% | 6,498 |
| Noninterest income to average assets | 0.3409% | 4,965 |
| Noninterest expense to average assets | 1.9950% | 6,117 |
| Loan and lease loss provision to assets | 0.0921% | 3,122 |
| Net operating income to assets | 0.4302% | 5,006 |
| Return on assets (ROA) | 0.4346% | 5,139 |
| Pretax return on assets | 0.6051% | 4,931 |
| Return on Equity (ROE) | 3.8132% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,947 |
| Net charge-offs to loans | -0.0026% | 5,179 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2710% | 3,223 |
| Assets per employee ($millions) | 6.5854% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 6,088 |
| Loan loss allowance to noncurrent loans | 58.5212% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 4,011 |
| Noncurrent loans to loans | 1.6492% | 3,069 |
| Net loans and leases to total assets | 57.6533% | 3,822 |
| Net loans and leases to deposits | 66.2956% | 4,013 |
| Net loans and leases to core deposits | 67.8949% | 4,310 |
| Total domestic deposits to total assets | 86.9640% | 2,980 |
| Equity capital to assets | 11.2943% | 2,639 |
| Core capital (leverage) ratio | 10.8520% | 2,400 |
| Tier 1 risk-based capital ratio | 19.1925% | 1,982 |
| Total risk-based capital ratio | 20.2056% | 2,030 |
| Memoranda: | ||
| Average total assets | $260,455,500 | 2,487 |
| Average earning assets | $243,311,500 | 2,443 |
| Average equity | $29,686,000 | 2,322 |
| Average total loans | $153,122,500 | 2,535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 6,087 |
| Cost of funding earning assets | 1.0252% | 1,228 |
| Net interest margin | 2.6527% | 6,584 |
| Noninterest income to average assets | 0.4316% | 4,374 |
| Noninterest expense to average assets | 1.8925% | 6,501 |
| Loan and lease loss provision to assets | 0.1949% | 3,200 |
| Net operating income to assets | 0.5972% | 4,254 |
| Return on assets (ROA) | 0.6076% | 4,467 |
| Pretax return on assets | 0.8529% | 4,092 |
| Return on Equity (ROE) | 5.3358% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.3358% | 2,478 |
| Net charge-offs to loans | 0.0308% | 5,475 |
| Credit loss provision to net charge-offs | 1,100.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 58.3111% | 610 |
| Efficiency ratio | 64.6837% | 4,759 |
| Assets per employee ($millions) | 6.4374% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 6,200 |
| Loan loss allowance to noncurrent loans | 54.6821% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 3,965 |
| Noncurrent loans to loans | 1.6972% | 3,074 |
| Net loans and leases to total assets | 58.8276% | 3,834 |
| Net loans and leases to deposits | 67.9578% | 3,991 |
| Net loans and leases to core deposits | 69.5124% | 4,373 |
| Total domestic deposits to total assets | 86.5648% | 3,066 |
| Equity capital to assets | 11.5035% | 2,441 |
| Core capital (leverage) ratio | 10.6536% | 2,593 |
| Tier 1 risk-based capital ratio | 19.0460% | 1,943 |
| Total risk-based capital ratio | 20.0199% | 1,985 |
| Memoranda: | ||
| Average total assets | $253,955,200 | 2,498 |
| Average earning assets | $238,773,800 | 2,427 |
| Average equity | $28,917,800 | 2,329 |
| Average total loans | $146,060,000 | 2,628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 6,182 |
| Cost of funding earning assets | 1.0468% | 1,298 |
| Net interest margin | 2.6787% | 6,672 |
| Noninterest income to average assets | 0.4426% | 4,346 |
| Noninterest expense to average assets | 1.8456% | 6,621 |
| Loan and lease loss provision to assets | 0.1681% | 3,436 |
| Net operating income to assets | 0.6594% | 4,094 |
| Return on assets (ROA) | 0.6612% | 4,354 |
| Pretax return on assets | 0.9568% | 3,890 |
| Return on Equity (ROE) | 5.8218% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.8218% | 2,815 |
| Net charge-offs to loans | 0.0148% | 5,485 |
| Credit loss provision to net charge-offs | 1,993.7500% | 134 |
| Earnings coverage of net charge-offs (x) | 133.1425% | 330 |
| Efficiency ratio | 62.1871% | 5,124 |
| Assets per employee ($millions) | 6.4637% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,522 |
| Loan loss allowance to noncurrent loans | 41.5822% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 3,816 |
| Noncurrent loans to loans | 2.0297% | 2,813 |
| Net loans and leases to total assets | 57.7990% | 4,167 |
| Net loans and leases to deposits | 68.5617% | 4,087 |
| Net loans and leases to core deposits | 69.8186% | 4,518 |
| Total domestic deposits to total assets | 84.3022% | 4,078 |
| Equity capital to assets | 11.4177% | 2,828 |
| Core capital (leverage) ratio | 10.5867% | 2,812 |
| Tier 1 risk-based capital ratio | 18.6508% | 2,119 |
| Total risk-based capital ratio | 19.5147% | 2,224 |
| Memoranda: | ||
| Average total assets | $253,070,250 | 2,524 |
| Average earning assets | $238,566,000 | 2,453 |
| Average equity | $28,742,000 | 2,354 |
| Average total loans | $144,350,750 | 2,687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 6,219 |
| Cost of funding earning assets | 1.0718% | 1,350 |
| Net interest margin | 2.6930% | 6,716 |
| Noninterest income to average assets | 0.3901% | 4,727 |
| Noninterest expense to average assets | 1.7775% | 6,776 |
| Loan and lease loss provision to assets | 0.2062% | 3,008 |
| Net operating income to assets | 0.6538% | 4,093 |
| Return on assets (ROA) | 0.6543% | 4,350 |
| Pretax return on assets | 0.9592% | 3,851 |
| Return on Equity (ROE) | 5.7719% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.7719% | 2,842 |
| Net charge-offs to loans | 0.0141% | 5,240 |
| Credit loss provision to net charge-offs | 2,590.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 146.3000% | 307 |
| Efficiency ratio | 60.4167% | 5,514 |
| Assets per employee ($millions) | 6.5147% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 6,601 |
| Loan loss allowance to noncurrent loans | 49.1724% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 4,319 |
| Noncurrent loans to loans | 1.6951% | 3,357 |
| Net loans and leases to total assets | 57.0336% | 4,322 |
| Net loans and leases to deposits | 66.6920% | 4,419 |
| Net loans and leases to core deposits | 67.4344% | 4,854 |
| Total domestic deposits to total assets | 85.5179% | 3,597 |
| Equity capital to assets | 11.4278% | 2,661 |
| Core capital (leverage) ratio | 10.7061% | 2,587 |
| Tier 1 risk-based capital ratio | 18.8085% | 2,025 |
| Total risk-based capital ratio | 19.6562% | 2,120 |
| Memoranda: | ||
| Average total assets | $251,245,000 | 2,536 |
| Average earning assets | $238,096,670 | 2,449 |
| Average equity | $28,482,670 | 2,353 |
| Average total loans | $142,231,330 | 2,737 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 6,254 |
| Cost of funding earning assets | 1.0953% | 1,428 |
| Net interest margin | 2.6994% | 6,771 |
| Noninterest income to average assets | 0.3586% | 5,005 |
| Noninterest expense to average assets | 1.8220% | 6,774 |
| Loan and lease loss provision to assets | 0.0961% | 4,149 |
| Net operating income to assets | 0.6741% | 4,013 |
| Return on assets (ROA) | 0.6741% | 4,228 |
| Pretax return on assets | 0.9975% | 3,687 |
| Return on Equity (ROE) | 5.9703% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.9703% | 2,974 |
| Net charge-offs to loans | 0.0314% | 4,245 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 62.0909% | 539 |
| Efficiency ratio | 62.4931% | 5,191 |
| Assets per employee ($millions) | 6.6428% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 6,861 |
| Loan loss allowance to noncurrent loans | 50.2468% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 4,800 |
| Noncurrent loans to loans | 1.4199% | 3,981 |
| Net loans and leases to total assets | 56.1237% | 4,361 |
| Net loans and leases to deposits | 65.2824% | 4,460 |
| Net loans and leases to core deposits | 66.0088% | 4,906 |
| Total domestic deposits to total assets | 85.9707% | 3,545 |
| Equity capital to assets | 11.2472% | 2,679 |
| Core capital (leverage) ratio | 10.7047% | 2,541 |
| Tier 1 risk-based capital ratio | 18.6071% | 2,109 |
| Total risk-based capital ratio | 19.4157% | 2,209 |
| Memoranda: | ||
| Average total assets | $249,831,000 | 2,561 |
| Average earning assets | $236,641,500 | 2,479 |
| Average equity | $28,206,500 | 2,376 |
| Average total loans | $140,284,500 | 2,781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 6,566 |
| Cost of funding earning assets | 1.3310% | 1,337 |
| Net interest margin | 2.6048% | 6,999 |
| Noninterest income to average assets | 0.3342% | 5,145 |
| Noninterest expense to average assets | 1.8939% | 6,840 |
| Loan and lease loss provision to assets | 0.0873% | 5,497 |
| Net operating income to assets | 0.5497% | 4,238 |
| Return on assets (ROA) | 0.5886% | 4,241 |
| Pretax return on assets | 0.8648% | 3,726 |
| Return on Equity (ROE) | 5.2868% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.2868% | 2,462 |
| Net charge-offs to loans | 0.0411% | 5,904 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 41.0189% | 660 |
| Efficiency ratio | 67.9114% | 4,379 |
| Assets per employee ($millions) | 6.5062% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 6,902 |
| Loan loss allowance to noncurrent loans | 36.2378% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 4,357 |
| Noncurrent loans to loans | 1.9394% | 3,284 |
| Net loans and leases to total assets | 55.3767% | 4,817 |
| Net loans and leases to deposits | 64.5382% | 4,933 |
| Net loans and leases to core deposits | 65.5225% | 5,321 |
| Total domestic deposits to total assets | 85.8045% | 3,425 |
| Equity capital to assets | 11.3342% | 2,658 |
| Core capital (leverage) ratio | 10.5089% | 2,724 |
| Tier 1 risk-based capital ratio | 18.7366% | 1,980 |
| Total risk-based capital ratio | 19.5290% | 2,080 |
| Memoranda: | ||
| Average total assets | $242,943,400 | 2,601 |
| Average earning assets | $228,921,200 | 2,519 |
| Average equity | $27,048,600 | 2,395 |
| Average total loans | $129,059,200 | 2,995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 6,649 |
| Cost of funding earning assets | 1.3649% | 1,396 |
| Net interest margin | 2.5940% | 7,077 |
| Noninterest income to average assets | 0.3285% | 5,236 |
| Noninterest expense to average assets | 1.9459% | 6,792 |
| Loan and lease loss provision to assets | 0.0617% | 5,674 |
| Net operating income to assets | 0.5250% | 4,435 |
| Return on assets (ROA) | 0.5391% | 4,557 |
| Pretax return on assets | 0.7844% | 4,187 |
| Return on Equity (ROE) | 4.8646% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.8646% | 3,267 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2068% | 3,925 |
| Assets per employee ($millions) | 6.3608% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 6,954 |
| Loan loss allowance to noncurrent loans | 50.0543% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 5,226 |
| Noncurrent loans to loans | 1.4054% | 4,187 |
| Net loans and leases to total assets | 52.4640% | 5,390 |
| Net loans and leases to deposits | 61.6573% | 5,444 |
| Net loans and leases to core deposits | 62.8021% | 5,736 |
| Total domestic deposits to total assets | 85.0898% | 3,729 |
| Equity capital to assets | 11.1863% | 2,971 |
| Core capital (leverage) ratio | 10.3391% | 3,050 |
| Tier 1 risk-based capital ratio | 18.7216% | 2,020 |
| Total risk-based capital ratio | 19.4481% | 2,152 |
| Memoranda: | ||
| Average total assets | $241,870,750 | 2,624 |
| Average earning assets | $227,804,000 | 2,539 |
| Average equity | $26,805,250 | 2,413 |
| Average total loans | $126,854,250 | 3,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 6,674 |
| Cost of funding earning assets | 1.4017% | 1,414 |
| Net interest margin | 2.5922% | 7,126 |
| Noninterest income to average assets | 0.3086% | 5,423 |
| Noninterest expense to average assets | 1.9800% | 6,835 |
| Loan and lease loss provision to assets | 0.0626% | 5,520 |
| Net operating income to assets | 0.4786% | 4,599 |
| Return on assets (ROA) | 0.4996% | 4,643 |
| Pretax return on assets | 0.7339% | 4,266 |
| Return on Equity (ROE) | 4.5224% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.5224% | 3,313 |
| Net charge-offs to loans | 0.0016% | 5,864 |
| Credit loss provision to net charge-offs | 7,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 918.0000% | 28 |
| Efficiency ratio | 72.1142% | 3,712 |
| Assets per employee ($millions) | 6.2693% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 7,014 |
| Loan loss allowance to noncurrent loans | 89.2028% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 6,048 |
| Noncurrent loans to loans | 0.7893% | 5,332 |
| Net loans and leases to total assets | 50.9894% | 5,695 |
| Net loans and leases to deposits | 60.4516% | 5,683 |
| Net loans and leases to core deposits | 61.5435% | 5,936 |
| Total domestic deposits to total assets | 84.3474% | 4,195 |
| Equity capital to assets | 11.0923% | 2,864 |
| Core capital (leverage) ratio | 10.5037% | 2,713 |
| Tier 1 risk-based capital ratio | 18.9692% | 1,859 |
| Total risk-based capital ratio | 19.6878% | 1,981 |
| Memoranda: | ||
| Average total assets | $239,804,000 | 2,661 |
| Average earning assets | $225,444,670 | 2,578 |
| Average equity | $26,490,330 | 2,427 |
| Average total loans | $125,449,000 | 3,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 6,613 |
| Cost of funding earning assets | 1.4473% | 1,398 |
| Net interest margin | 2.5966% | 7,128 |
| Noninterest income to average assets | 0.2931% | 5,575 |
| Noninterest expense to average assets | 2.0299% | 6,776 |
| Loan and lease loss provision to assets | 0.0640% | 5,191 |
| Net operating income to assets | 0.4110% | 4,900 |
| Return on assets (ROA) | 0.4110% | 4,989 |
| Pretax return on assets | 0.6351% | 4,557 |
| Return on Equity (ROE) | 3.7287% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.7287% | 3,935 |
| Net charge-offs to loans | 0.0096% | 4,968 |
| Credit loss provision to net charge-offs | 1,266.6667% | 312 |
| Earnings coverage of net charge-offs (x) | 138.3333% | 229 |
| Efficiency ratio | 74.3827% | 3,447 |
| Assets per employee ($millions) | 6.5763% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 7,091 |
| Loan loss allowance to noncurrent loans | 96.6819% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 6,179 |
| Noncurrent loans to loans | 0.7102% | 5,592 |
| Net loans and leases to total assets | 51.6216% | 5,630 |
| Net loans and leases to deposits | 60.6853% | 5,656 |
| Net loans and leases to core deposits | 61.6481% | 5,957 |
| Total domestic deposits to total assets | 85.0643% | 4,001 |
| Equity capital to assets | 11.1503% | 2,541 |
| Core capital (leverage) ratio | 10.5513% | 2,563 |
| Tier 1 risk-based capital ratio | 18.8386% | 1,854 |
| Total risk-based capital ratio | 19.5331% | 1,981 |
| Memoranda: | ||
| Average total assets | $237,455,000 | 2,702 |
| Average earning assets | $222,753,500 | 2,626 |
| Average equity | $26,175,000 | 2,438 |
| Average total loans | $125,396,500 | 3,144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 6,801 |
| Cost of funding earning assets | 1.7159% | 1,525 |
| Net interest margin | 2.5762% | 7,226 |
| Noninterest income to average assets | 0.3478% | 5,314 |
| Noninterest expense to average assets | 2.1480% | 6,736 |
| Loan and lease loss provision to assets | 0.0663% | 6,483 |
| Net operating income to assets | 0.4234% | 4,440 |
| Return on assets (ROA) | 0.5388% | 4,081 |
| Pretax return on assets | 0.7160% | 3,917 |
| Return on Equity (ROE) | 4.8187% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.8187% | 2,532 |
| Net charge-offs to loans | 0.0166% | 6,653 |
| Credit loss provision to net charge-offs | 750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 71.1000% | 343 |
| Efficiency ratio | 77.3639% | 2,815 |
| Assets per employee ($millions) | 6.1067% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6341% | 7,220 |
| Loan loss allowance to noncurrent loans | 60.0445% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 5,870 |
| Noncurrent loans to loans | 1.0561% | 4,962 |
| Net loans and leases to total assets | 53.2936% | 5,738 |
| Net loans and leases to deposits | 63.7564% | 5,653 |
| Net loans and leases to core deposits | 64.8602% | 5,992 |
| Total domestic deposits to total assets | 83.5893% | 4,563 |
| Equity capital to assets | 10.8968% | 2,778 |
| Core capital (leverage) ratio | 10.4579% | 2,598 |
| Tier 1 risk-based capital ratio | 18.3205% | 1,903 |
| Total risk-based capital ratio | 18.9765% | 2,053 |
| Memoranda: | ||
| Average total assets | $226,262,000 | 2,796 |
| Average earning assets | $213,301,400 | 2,711 |
| Average equity | $25,297,200 | 2,518 |
| Average total loans | $120,148,400 | 3,311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 6,923 |
| Cost of funding earning assets | 1.8180% | 1,351 |
| Net interest margin | 2.5144% | 7,370 |
| Noninterest income to average assets | 0.3666% | 5,222 |
| Noninterest expense to average assets | 2.0726% | 6,906 |
| Loan and lease loss provision to assets | 0.0675% | 6,394 |
| Net operating income to assets | 0.4445% | 4,568 |
| Return on assets (ROA) | 0.5983% | 4,039 |
| Pretax return on assets | 0.8079% | 3,874 |
| Return on Equity (ROE) | 5.3155% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.3155% | 2,759 |
| Net charge-offs to loans | 0.0237% | 6,345 |
| Credit loss provision to net charge-offs | 538.0952% | 535 |
| Earnings coverage of net charge-offs (x) | 53.2368% | 543 |
| Efficiency ratio | 75.6374% | 3,012 |
| Assets per employee ($millions) | 6.1324% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6440% | 7,294 |
| Loan loss allowance to noncurrent loans | 57.3125% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 5,967 |
| Noncurrent loans to loans | 1.1236% | 4,990 |
| Net loans and leases to total assets | 51.1147% | 6,209 |
| Net loans and leases to deposits | 60.2646% | 6,288 |
| Net loans and leases to core deposits | 61.4070% | 6,506 |
| Total domestic deposits to total assets | 84.8170% | 3,713 |
| Equity capital to assets | 11.3208% | 2,685 |
| Core capital (leverage) ratio | 10.3023% | 2,914 |
| Tier 1 risk-based capital ratio | 19.1882% | 1,709 |
| Total risk-based capital ratio | 19.8531% | 1,811 |
| Memoranda: | ||
| Average total assets | $223,287,000 | 2,867 |
| Average earning assets | $210,780,500 | 2,781 |
| Average equity | $25,133,500 | 2,572 |
| Average total loans | $118,251,750 | 3,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 6,935 |
| Cost of funding earning assets | 1.8356% | 1,508 |
| Net interest margin | 2.5452% | 7,389 |
| Noninterest income to average assets | 0.3427% | 5,408 |
| Noninterest expense to average assets | 2.0006% | 7,111 |
| Loan and lease loss provision to assets | 0.0682% | 6,271 |
| Net operating income to assets | 0.5156% | 4,257 |
| Return on assets (ROA) | 0.5163% | 4,411 |
| Pretax return on assets | 0.6808% | 4,310 |
| Return on Equity (ROE) | 4.5959% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.5959% | 3,149 |
| Net charge-offs to loans | 0.0102% | 6,207 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 137.1667% | 247 |
| Efficiency ratio | 72.7844% | 3,698 |
| Assets per employee ($millions) | 6.0066% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 7,377 |
| Loan loss allowance to noncurrent loans | 63.7990% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 6,205 |
| Noncurrent loans to loans | 0.9807% | 5,344 |
| Net loans and leases to total assets | 50.7797% | 6,339 |
| Net loans and leases to deposits | 59.9287% | 6,416 |
| Net loans and leases to core deposits | 61.0331% | 6,639 |
| Total domestic deposits to total assets | 84.7336% | 3,757 |
| Equity capital to assets | 10.6690% | 3,201 |
| Core capital (leverage) ratio | 11.0124% | 2,236 |
| Tier 1 risk-based capital ratio | 17.6509% | 2,055 |
| Total risk-based capital ratio | 18.2567% | 2,230 |
| Memoranda: | ||
| Average total assets | $220,039,000 | 2,937 |
| Average earning assets | $207,998,670 | 2,836 |
| Average equity | $24,717,670 | 2,622 |
| Average total loans | $117,707,330 | 3,438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 6,717 |
| Cost of funding earning assets | 1.8815% | 1,529 |
| Net interest margin | 2.6530% | 7,339 |
| Noninterest income to average assets | 0.3137% | 5,642 |
| Noninterest expense to average assets | 2.0758% | 7,000 |
| Loan and lease loss provision to assets | 0.0714% | 5,920 |
| Net operating income to assets | 0.5335% | 4,216 |
| Return on assets (ROA) | 0.5335% | 4,356 |
| Pretax return on assets | 0.6857% | 4,285 |
| Return on Equity (ROE) | 4.6216% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.6216% | 3,365 |
| Net charge-offs to loans | 0.0206% | 5,297 |
| Credit loss provision to net charge-offs | 633.3333% | 687 |
| Earnings coverage of net charge-offs (x) | 67.1667% | 451 |
| Efficiency ratio | 73.2759% | 3,707 |
| Assets per employee ($millions) | 7.1330% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 7,480 |
| Loan loss allowance to noncurrent loans | 68.9255% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 6,259 |
| Noncurrent loans to loans | 0.8867% | 5,547 |
| Net loans and leases to total assets | 54.1112% | 6,012 |
| Net loans and leases to deposits | 65.5438% | 5,870 |
| Net loans and leases to core deposits | 66.7811% | 6,228 |
| Total domestic deposits to total assets | 82.5572% | 4,822 |
| Equity capital to assets | 11.5500% | 2,324 |
| Core capital (leverage) ratio | 11.5492% | 1,883 |
| Tier 1 risk-based capital ratio | 19.3013% | 1,653 |
| Total risk-based capital ratio | 19.9214% | 1,762 |
| Memoranda: | ||
| Average total assets | $212,929,000 | 3,069 |
| Average earning assets | $202,183,000 | 2,961 |
| Average equity | $24,580,000 | 2,656 |
| Average total loans | $116,708,500 | 3,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 6,733 |
| Cost of funding earning assets | 2.1095% | 2,417 |
| Net interest margin | 2.7795% | 7,096 |
| Noninterest income to average assets | 0.3616% | 5,502 |
| Noninterest expense to average assets | 2.0442% | 7,290 |
| Loan and lease loss provision to assets | 0.0384% | 7,162 |
| Net operating income to assets | 0.6996% | 2,936 |
| Return on assets (ROA) | 0.6996% | 3,004 |
| Pretax return on assets | 0.9199% | 2,859 |
| Return on Equity (ROE) | 5.9778% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.9778% | 1,357 |
| Net charge-offs to loans | 0.0570% | 6,528 |
| Credit loss provision to net charge-offs | 116.4179% | 4,660 |
| Earnings coverage of net charge-offs (x) | 29.0299% | 789 |
| Efficiency ratio | 68.0834% | 4,987 |
| Assets per employee ($millions) | 5.7261% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5816% | 7,579 |
| Loan loss allowance to noncurrent loans | 80.6643% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 6,382 |
| Noncurrent loans to loans | 0.7211% | 5,811 |
| Net loans and leases to total assets | 54.8608% | 6,098 |
| Net loans and leases to deposits | 67.3571% | 5,904 |
| Net loans and leases to core deposits | 81.5812% | 5,947 |
| Total domestic deposits to total assets | 81.4478% | 5,176 |
| Equity capital to assets | 11.5374% | 2,291 |
| Core capital (leverage) ratio | 11.6098% | 1,861 |
| Tier 1 risk-based capital ratio | 19.2035% | 1,611 |
| Total risk-based capital ratio | 19.8190% | 1,700 |
| Memoranda: | ||
| Average total assets | $202,960,000 | 3,150 |
| Average earning assets | $192,839,000 | 3,064 |
| Average equity | $23,754,600 | 2,759 |
| Average total loans | $117,609,000 | 3,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 6,721 |
| Cost of funding earning assets | 2.1769% | 2,520 |
| Net interest margin | 2.7882% | 7,076 |
| Noninterest income to average assets | 0.3733% | 5,528 |
| Noninterest expense to average assets | 2.1434% | 7,108 |
| Loan and lease loss provision to assets | 0.0379% | 6,985 |
| Net operating income to assets | 0.6516% | 3,395 |
| Return on assets (ROA) | 0.6516% | 3,462 |
| Pretax return on assets | 0.8429% | 3,404 |
| Return on Equity (ROE) | 5.5464% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,175 |
| Net charge-offs to loans | 0.0453% | 6,278 |
| Credit loss provision to net charge-offs | 142.5000% | 3,437 |
| Earnings coverage of net charge-offs (x) | 33.1513% | 867 |
| Efficiency ratio | 70.8763% | 4,446 |
| Assets per employee ($millions) | 6.7048% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 7,611 |
| Loan loss allowance to noncurrent loans | 91.8340% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 6,440 |
| Noncurrent loans to loans | 0.6330% | 6,031 |
| Net loans and leases to total assets | 58.3301% | 5,841 |
| Net loans and leases to deposits | 70.6079% | 5,832 |
| Net loans and leases to core deposits | 83.5074% | 6,075 |
| Total domestic deposits to total assets | 82.6114% | 4,394 |
| Equity capital to assets | 11.9547% | 2,266 |
| Core capital (leverage) ratio | 11.5860% | 2,021 |
| Tier 1 risk-based capital ratio | 19.5657% | 1,636 |
| Total risk-based capital ratio | 20.2115% | 1,715 |
| Memoranda: | ||
| Average total assets | $200,733,250 | 3,198 |
| Average earning assets | $190,844,250 | 3,107 |
| Average equity | $23,582,250 | 2,798 |
| Average total loans | $117,783,250 | 3,560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 6,758 |
| Cost of funding earning assets | 2.2350% | 2,644 |
| Net interest margin | 2.7686% | 7,072 |
| Noninterest income to average assets | 0.4018% | 5,269 |
| Noninterest expense to average assets | 2.0768% | 7,323 |
| Loan and lease loss provision to assets | 0.0359% | 6,887 |
| Net operating income to assets | 0.6977% | 3,261 |
| Return on assets (ROA) | 0.6969% | 3,379 |
| Pretax return on assets | 0.9213% | 3,272 |
| Return on Equity (ROE) | 5.9673% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.9673% | 2,036 |
| Net charge-offs to loans | 0.0646% | 5,597 |
| Credit loss provision to net charge-offs | 94.7368% | 4,781 |
| Earnings coverage of net charge-offs (x) | 25.2895% | 1,124 |
| Efficiency ratio | 68.4297% | 5,084 |
| Assets per employee ($millions) | 6.2514% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5742% | 7,682 |
| Loan loss allowance to noncurrent loans | 65.2642% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 6,157 |
| Noncurrent loans to loans | 0.8798% | 5,454 |
| Net loans and leases to total assets | 57.7335% | 6,002 |
| Net loans and leases to deposits | 68.8861% | 6,104 |
| Net loans and leases to core deposits | 81.5842% | 6,271 |
| Total domestic deposits to total assets | 83.8101% | 3,865 |
| Equity capital to assets | 11.8808% | 2,272 |
| Core capital (leverage) ratio | 11.4271% | 2,121 |
| Tier 1 risk-based capital ratio | 19.4825% | 1,680 |
| Total risk-based capital ratio | 20.1164% | 1,759 |
| Memoranda: | ||
| Average total assets | $200,596,670 | 3,217 |
| Average earning assets | $190,785,670 | 3,130 |
| Average equity | $23,427,670 | 2,821 |
| Average total loans | $117,706,670 | 3,587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0445% | 6,817 |
| Cost of funding earning assets | 2.3316% | 2,570 |
| Net interest margin | 2.7129% | 7,172 |
| Noninterest income to average assets | 0.4341% | 4,925 |
| Noninterest expense to average assets | 1.8937% | 7,559 |
| Loan and lease loss provision to assets | 0.0299% | 6,555 |
| Net operating income to assets | 0.8065% | 3,103 |
| Return on assets (ROA) | 0.8065% | 3,262 |
| Pretax return on assets | 1.0892% | 3,028 |
| Return on Equity (ROE) | 6.9653% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.9653% | 2,222 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8553% | 5,906 |
| Assets per employee ($millions) | 6.6810% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 7,680 |
| Loan loss allowance to noncurrent loans | 79.4425% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 6,220 |
| Noncurrent loans to loans | 0.7396% | 5,582 |
| Net loans and leases to total assets | 57.7391% | 5,987 |
| Net loans and leases to deposits | 68.7458% | 6,104 |
| Net loans and leases to core deposits | 79.7808% | 6,402 |
| Total domestic deposits to total assets | 83.9893% | 3,703 |
| Equity capital to assets | 11.6949% | 2,451 |
| Core capital (leverage) ratio | 11.4394% | 2,182 |
| Tier 1 risk-based capital ratio | 22.3544% | 1,260 |
| Total risk-based capital ratio | 23.1080% | 1,288 |
| Memoranda: | ||
| Average total assets | $200,872,500 | 3,231 |
| Average earning assets | $190,941,500 | 3,140 |
| Average equity | $23,258,000 | 2,850 |
| Average total loans | $118,480,000 | 3,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 7,628 |
| Cost of funding earning assets | 2.8945% | 2,290 |
| Net interest margin | 2.3800% | 7,864 |
| Noninterest income to average assets | 0.2193% | 6,875 |
| Noninterest expense to average assets | 1.8190% | 7,735 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5578% | 4,492 |
| Return on assets (ROA) | 0.5313% | 4,462 |
| Pretax return on assets | 0.6257% | 4,611 |
| Return on Equity (ROE) | 4.5782% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.5782% | 2,277 |
| Net charge-offs to loans | 0.0149% | 6,681 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 74.5294% | 548 |
| Efficiency ratio | 73.4715% | 3,668 |
| Assets per employee ($millions) | 6.7105% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 7,640 |
| Loan loss allowance to noncurrent loans | 85.4525% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 5,916 |
| Noncurrent loans to loans | 0.7242% | 5,223 |
| Net loans and leases to total assets | 59.5104% | 5,983 |
| Net loans and leases to deposits | 71.9297% | 6,067 |
| Net loans and leases to core deposits | 84.1362% | 6,281 |
| Total domestic deposits to total assets | 82.7341% | 3,884 |
| Equity capital to assets | 11.4626% | 2,660 |
| Core capital (leverage) ratio | 11.2191% | 2,418 |
| Tier 1 risk-based capital ratio | 21.6815% | 1,357 |
| Total risk-based capital ratio | 22.4112% | 1,408 |
| Memoranda: | ||
| Average total assets | $192,913,400 | 3,229 |
| Average earning assets | $182,901,400 | 3,148 |
| Average equity | $22,388,600 | 2,924 |
| Average total loans | $113,803,200 | 3,589 |