Home > Watertown Savings Bank > Performance and Condition Ratios
Watertown 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 | 3.7811% | 4,197 |
| Cost of funding earning assets | 0.1997% | 4,442 |
| Net interest margin | 3.5814% | 2,002 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.3736% | 2,656 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0467% | 2,073 |
| Return on assets (ROA) | 1.0434% | 2,056 |
| Pretax return on assets | 1.3230% | 1,813 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5447% | 1,682 |
| Net charge-offs to loans | 0.0703% | 1,148 |
| Credit loss provision to net charge-offs | 289.0449% | 981 |
| Earnings coverage of net charge-offs (x) | 37.0534% | 1,495 |
| Efficiency ratio | 62.2499% | 2,807 |
| Assets per employee ($millions) | 7.4630% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,422 |
| Loan loss allowance to noncurrent loans | 269.9912% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 1,809 |
| Noncurrent loans to loans | 0.4363% | 1,689 |
| Net loans and leases to total assets | 57.3100% | 3,097 |
| Net loans and leases to deposits | 68.1305% | 3,023 |
| Net loans and leases to core deposits | 69.6664% | 3,327 |
| Total domestic deposits to total assets | 84.1200% | 2,592 |
| Equity capital to assets | 15.1595% | 539 |
| Core capital (leverage) ratio | 15.0433% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $916,404,400 | 1,066 |
| Average earning assets | $831,158,600 | 1,081 |
| Average equity | $126,737,600 | 781 |
| Average total loans | $506,192,400 | 1,220 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 4,272 |
| Cost of funding earning assets | 0.1760% | 4,460 |
| Net interest margin | 3.4638% | 2,302 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.1239% | 3,287 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1679% | 1,882 |
| Return on assets (ROA) | 1.0600% | 2,171 |
| Pretax return on assets | 1.3435% | 1,916 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.8478% | 2,021 |
| Net charge-offs to loans | 0.0994% | 787 |
| Credit loss provision to net charge-offs | 165.6000% | 1,252 |
| Earnings coverage of net charge-offs (x) | 28.9387% | 1,610 |
| Efficiency ratio | 57.4981% | 3,266 |
| Assets per employee ($millions) | 7.6427% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 2,886 |
| Loan loss allowance to noncurrent loans | 214.3627% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 1,754 |
| Noncurrent loans to loans | 0.5109% | 1,540 |
| Net loans and leases to total assets | 54.8200% | 3,301 |
| Net loans and leases to deposits | 64.3007% | 3,246 |
| Net loans and leases to core deposits | 65.7266% | 3,444 |
| Total domestic deposits to total assets | 85.2500% | 2,429 |
| Equity capital to assets | 14.1015% | 633 |
| Core capital (leverage) ratio | 14.5640% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $921,616,000 | 1,066 |
| Average earning assets | $836,294,000 | 1,078 |
| Average equity | $124,481,500 | 787 |
| Average total loans | $502,897,500 | 1,225 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 4,311 |
| Cost of funding earning assets | 0.1462% | 4,482 |
| Net interest margin | 3.3943% | 2,534 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.1142% | 3,309 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1152% | 2,080 |
| Return on assets (ROA) | 1.0965% | 2,129 |
| Pretax return on assets | 1.3951% | 1,824 |
| Return on Equity (ROE) | 8.2400% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.2382% | 1,895 |
| Net charge-offs to loans | 0.1317% | 563 |
| Credit loss provision to net charge-offs | 140.6061% | 1,234 |
| Earnings coverage of net charge-offs (x) | 21.2485% | 1,727 |
| Efficiency ratio | 58.1872% | 3,173 |
| Assets per employee ($millions) | 7.1791% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,048 |
| Loan loss allowance to noncurrent loans | 191.9071% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 1,663 |
| Noncurrent loans to loans | 0.5616% | 1,335 |
| Net loans and leases to total assets | 54.9000% | 3,202 |
| Net loans and leases to deposits | 64.1636% | 3,180 |
| Net loans and leases to core deposits | 65.1166% | 3,392 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 13.7986% | 671 |
| Core capital (leverage) ratio | 14.3791% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $923,113,000 | 1,053 |
| Average earning assets | $838,517,667 | 1,067 |
| Average equity | $122,866,000 | 792 |
| Average total loans | $501,099,667 | 1,211 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 4,333 |
| Cost of funding earning assets | 0.1073% | 4,522 |
| Net interest margin | 3.3348% | 2,782 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.0805% | 3,428 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.0659% | 2,332 |
| Return on assets (ROA) | 1.0836% | 2,247 |
| Pretax return on assets | 1.3730% | 1,953 |
| Return on Equity (ROE) | 8.2900% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.2903% | 2,143 |
| Net charge-offs to loans | 0.1869% | 387 |
| Credit loss provision to net charge-offs | 131.7597% | 1,000 |
| Earnings coverage of net charge-offs (x) | 14.7768% | 1,562 |
| Efficiency ratio | 58.3877% | 3,146 |
| Assets per employee ($millions) | 7.6566% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,181 |
| Loan loss allowance to noncurrent loans | 139.7771% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 1,251 |
| Noncurrent loans to loans | 0.7686% | 1,005 |
| Net loans and leases to total assets | 53.1700% | 3,267 |
| Net loans and leases to deposits | 61.7621% | 3,241 |
| Net loans and leases to core deposits | 62.4879% | 3,421 |
| Total domestic deposits to total assets | 86.1000% | 2,554 |
| Equity capital to assets | 13.3065% | 695 |
| Core capital (leverage) ratio | 13.8234% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $928,798,000 | 1,063 |
| Average earning assets | $845,855,500 | 1,073 |
| Average equity | $121,395,000 | 812 |
| Average total loans | $498,635,500 | 1,229 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0330% | 4,093 |
| Cost of funding earning assets | 0.0711% | 4,505 |
| Net interest margin | 2.9619% | 3,540 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.0435% | 3,457 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9647% | 2,702 |
| Return on assets (ROA) | 0.9069% | 2,871 |
| Pretax return on assets | 1.1298% | 2,670 |
| Return on Equity (ROE) | 7.3500% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.3541% | 2,079 |
| Net charge-offs to loans | 0.3107% | 246 |
| Credit loss provision to net charge-offs | 29.8805% | 1,893 |
| Earnings coverage of net charge-offs (x) | 8.0571% | 2,277 |
| Efficiency ratio | 62.0777% | 2,754 |
| Assets per employee ($millions) | 7.2148% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,016 |
| Loan loss allowance to noncurrent loans | 115.0270% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 1,021 |
| Noncurrent loans to loans | 0.9340% | 795 |
| Net loans and leases to total assets | 53.0400% | 3,281 |
| Net loans and leases to deposits | 61.2941% | 3,253 |
| Net loans and leases to core deposits | 61.9290% | 3,395 |
| Total domestic deposits to total assets | 86.5400% | 2,557 |
| Equity capital to assets | 12.8310% | 733 |
| Core capital (leverage) ratio | 13.5843% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $971,993,000 | 1,004 |
| Average earning assets | $889,419,000 | 1,007 |
| Average equity | $119,865,800 | 818 |
| Average total loans | $484,746,800 | 1,204 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9174% | 4,038 |
| Cost of funding earning assets | 0.0677% | 4,489 |
| Net interest margin | 2.8497% | 3,625 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.8772% | 3,802 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0608% | 2,249 |
| Return on assets (ROA) | 0.9897% | 2,485 |
| Pretax return on assets | 1.1959% | 2,384 |
| Return on Equity (ROE) | 8.1000% | 3,296 |
| Retained earnings to average equity (ytd only) | 8.1024% | 1,962 |
| Net charge-offs to loans | 0.2315% | 297 |
| Credit loss provision to net charge-offs | 37.9928% | 1,572 |
| Earnings coverage of net charge-offs (x) | 11.6810% | 1,938 |
| Efficiency ratio | 58.6299% | 3,312 |
| Assets per employee ($millions) | 7.7020% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,494 |
| Loan loss allowance to noncurrent loans | 119.9222% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 1,080 |
| Noncurrent loans to loans | 1.0058% | 766 |
| Net loans and leases to total assets | 49.8300% | 3,474 |
| Net loans and leases to deposits | 57.0034% | 3,404 |
| Net loans and leases to core deposits | 57.6212% | 3,526 |
| Total domestic deposits to total assets | 87.4200% | 2,620 |
| Equity capital to assets | 11.9975% | 887 |
| Core capital (leverage) ratio | 12.7704% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $984,117,250 | 1,003 |
| Average earning assets | $901,788,250 | 1,001 |
| Average equity | $120,208,750 | 829 |
| Average total loans | $482,140,750 | 1,207 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8504% | 3,889 |
| Cost of funding earning assets | 0.0682% | 4,471 |
| Net interest margin | 2.7822% | 3,492 |
| Noninterest income to average assets | 0.5446% | 1,974 |
| Noninterest expense to average assets | 1.8639% | 3,799 |
| Loan and lease loss provision to assets | 0.0020% | 2,573 |
| Net operating income to assets | 0.9984% | 2,161 |
| Return on assets (ROA) | 0.9600% | 2,290 |
| Pretax return on assets | 1.1846% | 2,125 |
| Return on Equity (ROE) | 7.8143% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.8143% | 1,685 |
| Net charge-offs to loans | 0.0383% | 1,000 |
| Credit loss provision to net charge-offs | 10.8696% | 1,629 |
| Earnings coverage of net charge-offs (x) | 66.4783% | 1,036 |
| Efficiency ratio | 60.1667% | 3,275 |
| Assets per employee ($millions) | 7.4254% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,231 |
| Loan loss allowance to noncurrent loans | 151.5896% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 1,321 |
| Noncurrent loans to loans | 0.8516% | 1,004 |
| Net loans and leases to total assets | 49.8550% | 3,391 |
| Net loans and leases to deposits | 57.2496% | 3,287 |
| Net loans and leases to core deposits | 57.9991% | 3,423 |
| Total domestic deposits to total assets | 87.0836% | 2,909 |
| Equity capital to assets | 12.2873% | 800 |
| Core capital (leverage) ratio | 12.4164% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $991,238,667 | 984 |
| Average earning assets | $909,709,333 | 997 |
| Average equity | $121,776,333 | 828 |
| Average total loans | $480,989,667 | 1,205 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6430% | 4,046 |
| Cost of funding earning assets | 0.0684% | 4,467 |
| Net interest margin | 2.5746% | 3,725 |
| Noninterest income to average assets | 0.5692% | 1,828 |
| Noninterest expense to average assets | 1.8351% | 3,855 |
| Loan and lease loss provision to assets | 0.0028% | 2,250 |
| Net operating income to assets | 0.9362% | 2,127 |
| Return on assets (ROA) | 0.9416% | 2,096 |
| Pretax return on assets | 1.1069% | 2,119 |
| Return on Equity (ROE) | 7.6654% | 2,821 |
| Retained earnings to average equity (ytd only) | 7.6654% | 1,687 |
| Net charge-offs to loans | 0.0352% | 948 |
| Credit loss provision to net charge-offs | 16.6667% | 1,299 |
| Earnings coverage of net charge-offs (x) | 65.9524% | 818 |
| Efficiency ratio | 62.4509% | 3,212 |
| Assets per employee ($millions) | 7.7908% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,163 |
| Loan loss allowance to noncurrent loans | 135.2314% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 1,321 |
| Noncurrent loans to loans | 0.9906% | 917 |
| Net loans and leases to total assets | 46.1106% | 3,565 |
| Net loans and leases to deposits | 52.6742% | 3,519 |
| Net loans and leases to core deposits | 53.4067% | 3,638 |
| Total domestic deposits to total assets | 87.5392% | 2,731 |
| Equity capital to assets | 11.9087% | 992 |
| Core capital (leverage) ratio | 11.5601% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,004,206,500 | 977 |
| Average earning assets | $924,116,500 | 989 |
| Average equity | $123,359,500 | 838 |
| Average total loans | $477,711,500 | 1,200 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0358% | 3,807 |
| Cost of funding earning assets | 0.0786% | 4,539 |
| Net interest margin | 2.9572% | 3,296 |
| Noninterest income to average assets | 0.5585% | 2,327 |
| Noninterest expense to average assets | 2.0625% | 3,496 |
| Loan and lease loss provision to assets | 0.0254% | 2,554 |
| Net operating income to assets | 0.9739% | 2,777 |
| Return on assets (ROA) | 0.9919% | 2,773 |
| Pretax return on assets | 1.2159% | 2,612 |
| Return on Equity (ROE) | 7.5559% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.5559% | 1,703 |
| Net charge-offs to loans | -0.0399% | 4,221 |
| Credit loss provision to net charge-offs | -120.2020% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8452% | 2,741 |
| Assets per employee ($millions) | 7.7782% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,257 |
| Loan loss allowance to noncurrent loans | 99.9060% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 1,016 |
| Noncurrent loans to loans | 1.3239% | 705 |
| Net loans and leases to total assets | 47.7794% | 3,516 |
| Net loans and leases to deposits | 55.0565% | 3,513 |
| Net loans and leases to core deposits | 55.7929% | 3,631 |
| Total domestic deposits to total assets | 86.7825% | 2,587 |
| Equity capital to assets | 12.6664% | 1,007 |
| Core capital (leverage) ratio | 11.6578% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $936,608,000 | 1,009 |
| Average earning assets | $862,570,800 | 1,018 |
| Average equity | $122,950,800 | 843 |
| Average total loans | $496,093,000 | 1,172 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 3,828 |
| Cost of funding earning assets | 0.0818% | 4,625 |
| Net interest margin | 3.0113% | 3,272 |
| Noninterest income to average assets | 0.5779% | 2,310 |
| Noninterest expense to average assets | 1.9460% | 3,823 |
| Loan and lease loss provision to assets | 0.0334% | 2,330 |
| Net operating income to assets | 1.1250% | 2,460 |
| Return on assets (ROA) | 1.1511% | 2,422 |
| Pretax return on assets | 1.4042% | 2,318 |
| Return on Equity (ROE) | 8.6866% | 3,203 |
| Retained earnings to average equity (ytd only) | 8.6866% | 1,811 |
| Net charge-offs to loans | -0.0608% | 4,432 |
| Credit loss provision to net charge-offs | -101.3158% | 3,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0583% | 3,254 |
| Assets per employee ($millions) | 7.7630% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,438 |
| Loan loss allowance to noncurrent loans | 105.7336% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 1,215 |
| Noncurrent loans to loans | 1.2392% | 894 |
| Net loans and leases to total assets | 49.2732% | 3,496 |
| Net loans and leases to deposits | 56.9516% | 3,494 |
| Net loans and leases to core deposits | 57.7177% | 3,650 |
| Total domestic deposits to total assets | 86.5176% | 2,547 |
| Equity capital to assets | 12.9025% | 1,011 |
| Core capital (leverage) ratio | 11.7814% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $921,858,750 | 1,036 |
| Average earning assets | $849,186,500 | 1,046 |
| Average equity | $122,161,750 | 860 |
| Average total loans | $499,598,750 | 1,182 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1071% | 3,853 |
| Cost of funding earning assets | 0.0844% | 4,672 |
| Net interest margin | 3.0227% | 3,265 |
| Noninterest income to average assets | 0.5672% | 2,347 |
| Noninterest expense to average assets | 1.9438% | 3,855 |
| Loan and lease loss provision to assets | 0.0545% | 1,946 |
| Net operating income to assets | 1.0417% | 2,752 |
| Return on assets (ROA) | 1.0916% | 2,648 |
| Pretax return on assets | 1.4173% | 2,277 |
| Return on Equity (ROE) | 8.1597% | 3,365 |
| Retained earnings to average equity (ytd only) | 8.1597% | 2,021 |
| Net charge-offs to loans | -0.1132% | 4,657 |
| Credit loss provision to net charge-offs | -86.3158% | 3,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9799% | 3,289 |
| Assets per employee ($millions) | 7.5999% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,512 |
| Loan loss allowance to noncurrent loans | 96.1373% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 1,136 |
| Noncurrent loans to loans | 1.3364% | 876 |
| Net loans and leases to total assets | 52.3381% | 3,308 |
| Net loans and leases to deposits | 60.5680% | 3,344 |
| Net loans and leases to core deposits | 61.4075% | 3,516 |
| Total domestic deposits to total assets | 86.4121% | 2,587 |
| Equity capital to assets | 12.9661% | 959 |
| Core capital (leverage) ratio | 11.8393% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $903,097,000 | 1,047 |
| Average earning assets | $832,158,333 | 1,055 |
| Average equity | $120,814,000 | 864 |
| Average total loans | $503,344,333 | 1,178 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1984% | 3,696 |
| Cost of funding earning assets | 0.0864% | 4,716 |
| Net interest margin | 3.1120% | 2,948 |
| Noninterest income to average assets | 0.5820% | 2,284 |
| Noninterest expense to average assets | 1.9149% | 3,954 |
| Loan and lease loss provision to assets | 0.0932% | 1,435 |
| Net operating income to assets | 1.1425% | 2,352 |
| Return on assets (ROA) | 1.1791% | 2,306 |
| Pretax return on assets | 1.4870% | 2,034 |
| Return on Equity (ROE) | 8.6699% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.6699% | 2,045 |
| Net charge-offs to loans | 0.0580% | 936 |
| Credit loss provision to net charge-offs | 280.8219% | 784 |
| Earnings coverage of net charge-offs (x) | 46.2055% | 929 |
| Efficiency ratio | 55.5248% | 3,603 |
| Assets per employee ($millions) | 7.7257% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,028 |
| Loan loss allowance to noncurrent loans | 74.9352% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 1,018 |
| Noncurrent loans to loans | 1.5760% | 775 |
| Net loans and leases to total assets | 54.3504% | 3,206 |
| Net loans and leases to deposits | 62.9505% | 3,226 |
| Net loans and leases to core deposits | 63.7557% | 3,440 |
| Total domestic deposits to total assets | 86.3383% | 2,609 |
| Equity capital to assets | 12.9014% | 942 |
| Core capital (leverage) ratio | 12.1693% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $879,650,000 | 1,061 |
| Average earning assets | $810,273,500 | 1,066 |
| Average equity | $119,632,500 | 862 |
| Average total loans | $503,177,500 | 1,182 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 3,579 |
| Cost of funding earning assets | 0.1503% | 4,727 |
| Net interest margin | 3.5491% | 2,316 |
| Noninterest income to average assets | 0.6336% | 2,086 |
| Noninterest expense to average assets | 2.4497% | 2,995 |
| Loan and lease loss provision to assets | 0.2310% | 1,683 |
| Net operating income to assets | 0.9464% | 2,498 |
| Return on assets (ROA) | 0.9572% | 2,597 |
| Pretax return on assets | 1.1955% | 2,341 |
| Return on Equity (ROE) | 6.4180% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.4180% | 1,625 |
| Net charge-offs to loans | 0.1135% | 1,345 |
| Credit loss provision to net charge-offs | 323.6364% | 1,659 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,960 |
| Efficiency ratio | 63.4195% | 2,909 |
| Assets per employee ($millions) | 6.8140% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,909 |
| Loan loss allowance to noncurrent loans | 66.2355% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 843 |
| Noncurrent loans to loans | 1.8220% | 679 |
| Net loans and leases to total assets | 58.9783% | 2,982 |
| Net loans and leases to deposits | 69.7099% | 2,912 |
| Net loans and leases to core deposits | 70.4791% | 3,227 |
| Total domestic deposits to total assets | 84.6053% | 2,911 |
| Equity capital to assets | 14.3921% | 703 |
| Core capital (leverage) ratio | 13.1166% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,702,000 | 1,089 |
| Average earning assets | $701,214,800 | 1,102 |
| Average equity | $114,942,000 | 860 |
| Average total loans | $484,739,000 | 1,172 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 3,737 |
| Cost of funding earning assets | 0.1638% | 4,770 |
| Net interest margin | 3.5641% | 2,383 |
| Noninterest income to average assets | 0.6187% | 2,105 |
| Noninterest expense to average assets | 2.2710% | 3,495 |
| Loan and lease loss provision to assets | 0.2197% | 1,830 |
| Net operating income to assets | 1.1200% | 1,914 |
| Return on assets (ROA) | 1.1043% | 2,095 |
| Pretax return on assets | 1.3464% | 1,888 |
| Return on Equity (ROE) | 7.3347% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.3347% | 1,565 |
| Net charge-offs to loans | 0.1171% | 1,191 |
| Credit loss provision to net charge-offs | 294.3396% | 1,782 |
| Earnings coverage of net charge-offs (x) | 21.2358% | 1,871 |
| Efficiency ratio | 58.8896% | 3,536 |
| Assets per employee ($millions) | 6.9473% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,315 |
| Loan loss allowance to noncurrent loans | 66.0067% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 1,116 |
| Noncurrent loans to loans | 1.6343% | 858 |
| Net loans and leases to total assets | 60.3674% | 3,184 |
| Net loans and leases to deposits | 71.0255% | 3,212 |
| Net loans and leases to core deposits | 71.7026% | 3,498 |
| Total domestic deposits to total assets | 84.9940% | 2,441 |
| Equity capital to assets | 13.9776% | 858 |
| Core capital (leverage) ratio | 12.7624% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $757,254,500 | 1,090 |
| Average earning assets | $687,876,000 | 1,105 |
| Average equity | $114,012,000 | 858 |
| Average total loans | $482,871,000 | 1,168 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 3,764 |
| Cost of funding earning assets | 0.1858% | 4,796 |
| Net interest margin | 3.6542% | 2,305 |
| Noninterest income to average assets | 0.5815% | 2,203 |
| Noninterest expense to average assets | 2.3524% | 3,391 |
| Loan and lease loss provision to assets | 0.1664% | 2,340 |
| Net operating income to assets | 1.0953% | 1,984 |
| Return on assets (ROA) | 1.0624% | 2,227 |
| Pretax return on assets | 1.3322% | 1,927 |
| Return on Equity (ROE) | 6.8676% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.8676% | 1,711 |
| Net charge-offs to loans | 0.1379% | 1,025 |
| Credit loss provision to net charge-offs | 186.1963% | 1,975 |
| Earnings coverage of net charge-offs (x) | 17.2270% | 1,825 |
| Efficiency ratio | 60.4396% | 3,356 |
| Assets per employee ($millions) | 6.5652% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,668 |
| Loan loss allowance to noncurrent loans | 55.6907% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 1,018 |
| Noncurrent loans to loans | 1.7595% | 806 |
| Net loans and leases to total assets | 62.9685% | 3,009 |
| Net loans and leases to deposits | 74.4145% | 3,035 |
| Net loans and leases to core deposits | 75.1604% | 3,360 |
| Total domestic deposits to total assets | 84.6186% | 2,527 |
| Equity capital to assets | 14.3716% | 760 |
| Core capital (leverage) ratio | 13.0854% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,463,333 | 1,105 |
| Average earning assets | $660,892,000 | 1,122 |
| Average equity | $112,849,333 | 860 |
| Average total loans | $472,828,333 | 1,170 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,884 |
| Cost of funding earning assets | 0.2148% | 4,857 |
| Net interest margin | 3.7506% | 2,140 |
| Noninterest income to average assets | 0.6343% | 1,884 |
| Noninterest expense to average assets | 2.4102% | 3,518 |
| Loan and lease loss provision to assets | 0.1747% | 1,690 |
| Net operating income to assets | 1.1946% | 1,533 |
| Return on assets (ROA) | 1.0506% | 2,102 |
| Pretax return on assets | 1.2587% | 2,002 |
| Return on Equity (ROE) | 6.5235% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.5235% | 1,707 |
| Net charge-offs to loans | 0.2033% | 679 |
| Credit loss provision to net charge-offs | 131.1688% | 1,660 |
| Earnings coverage of net charge-offs (x) | 12.0649% | 1,705 |
| Efficiency ratio | 59.9971% | 3,740 |
| Assets per employee ($millions) | 5.8792% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,447 |
| Loan loss allowance to noncurrent loans | 52.8339% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 938 |
| Noncurrent loans to loans | 1.9872% | 718 |
| Net loans and leases to total assets | 63.3517% | 3,141 |
| Net loans and leases to deposits | 76.0058% | 3,074 |
| Net loans and leases to core deposits | 77.0729% | 3,426 |
| Total domestic deposits to total assets | 83.3512% | 2,998 |
| Equity capital to assets | 15.8631% | 607 |
| Core capital (leverage) ratio | 14.5127% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8253% | 657 |
| Memoranda: | ||
| Average total assets | $693,716,500 | 1,126 |
| Average earning assets | $625,718,500 | 1,143 |
| Average equity | $111,719,000 | 858 |
| Average total loans | $454,571,500 | 1,178 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,705 |
| Cost of funding earning assets | 0.2217% | 4,913 |
| Net interest margin | 4.0188% | 1,791 |
| Noninterest income to average assets | 0.6665% | 1,939 |
| Noninterest expense to average assets | 2.5915% | 3,199 |
| Loan and lease loss provision to assets | 0.2295% | 836 |
| Net operating income to assets | 1.1584% | 2,223 |
| Return on assets (ROA) | 1.1601% | 2,309 |
| Pretax return on assets | 1.4589% | 1,945 |
| Return on Equity (ROE) | 7.3463% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.3463% | 1,235 |
| Net charge-offs to loans | 0.2444% | 844 |
| Credit loss provision to net charge-offs | 141.8498% | 1,821 |
| Earnings coverage of net charge-offs (x) | 10.4240% | 2,575 |
| Efficiency ratio | 60.5797% | 3,608 |
| Assets per employee ($millions) | 5.7292% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,283 |
| Loan loss allowance to noncurrent loans | 54.4131% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 850 |
| Noncurrent loans to loans | 1.9079% | 688 |
| Net loans and leases to total assets | 66.4119% | 2,904 |
| Net loans and leases to deposits | 80.1161% | 2,768 |
| Net loans and leases to core deposits | 81.6793% | 3,159 |
| Total domestic deposits to total assets | 82.8946% | 3,236 |
| Equity capital to assets | 16.3584% | 545 |
| Core capital (leverage) ratio | 14.6636% | 757 |
| Tier 1 risk-based capital ratio | 20.6391% | 1,233 |
| Total risk-based capital ratio | 21.6296% | 1,239 |
| Memoranda: | ||
| Average total assets | $675,026,600 | 1,110 |
| Average earning assets | $606,571,400 | 1,135 |
| Average equity | $106,598,000 | 854 |
| Average total loans | $446,783,200 | 1,167 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 3,844 |
| Cost of funding earning assets | 0.2160% | 4,999 |
| Net interest margin | 4.0198% | 1,872 |
| Noninterest income to average assets | 0.6590% | 1,951 |
| Noninterest expense to average assets | 2.3680% | 3,774 |
| Loan and lease loss provision to assets | 0.1265% | 1,531 |
| Net operating income to assets | 1.4129% | 1,424 |
| Return on assets (ROA) | 1.4152% | 1,481 |
| Pretax return on assets | 1.7779% | 1,144 |
| Return on Equity (ROE) | 9.0427% | 2,872 |
| Retained earnings to average equity (ytd only) | 9.0427% | 1,032 |
| Net charge-offs to loans | 0.1004% | 1,472 |
| Credit loss provision to net charge-offs | 191.0448% | 1,371 |
| Earnings coverage of net charge-offs (x) | 28.7281% | 1,674 |
| Efficiency ratio | 55.4609% | 4,221 |
| Assets per employee ($millions) | 5.8065% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,507 |
| Loan loss allowance to noncurrent loans | 65.5544% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 1,260 |
| Noncurrent loans to loans | 1.5432% | 968 |
| Net loans and leases to total assets | 64.5449% | 3,235 |
| Net loans and leases to deposits | 77.4757% | 3,156 |
| Net loans and leases to core deposits | 78.7028% | 3,492 |
| Total domestic deposits to total assets | 83.3099% | 3,063 |
| Equity capital to assets | 15.9196% | 649 |
| Core capital (leverage) ratio | 14.5024% | 858 |
| Tier 1 risk-based capital ratio | 19.6947% | 1,421 |
| Total risk-based capital ratio | 20.6160% | 1,457 |
| Memoranda: | ||
| Average total assets | $674,772,250 | 1,107 |
| Average earning assets | $606,090,500 | 1,130 |
| Average equity | $105,600,000 | 858 |
| Average total loans | $445,058,000 | 1,177 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 3,849 |
| Cost of funding earning assets | 0.2098% | 5,051 |
| Net interest margin | 4.0186% | 1,860 |
| Noninterest income to average assets | 0.6532% | 1,905 |
| Noninterest expense to average assets | 2.3649% | 3,831 |
| Loan and lease loss provision to assets | 0.1297% | 1,440 |
| Net operating income to assets | 1.3391% | 1,622 |
| Return on assets (ROA) | 1.3365% | 1,692 |
| Pretax return on assets | 1.7664% | 1,131 |
| Return on Equity (ROE) | 8.5909% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.5909% | 1,169 |
| Net charge-offs to loans | 0.0785% | 1,578 |
| Credit loss provision to net charge-offs | 249.4253% | 1,028 |
| Earnings coverage of net charge-offs (x) | 36.5345% | 1,304 |
| Efficiency ratio | 55.4582% | 4,314 |
| Assets per employee ($millions) | 5.5565% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,614 |
| Loan loss allowance to noncurrent loans | 56.6746% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 1,145 |
| Noncurrent loans to loans | 1.7653% | 858 |
| Net loans and leases to total assets | 65.8749% | 3,128 |
| Net loans and leases to deposits | 78.9669% | 3,064 |
| Net loans and leases to core deposits | 80.6006% | 3,375 |
| Total domestic deposits to total assets | 83.4209% | 3,068 |
| Equity capital to assets | 15.8166% | 646 |
| Core capital (leverage) ratio | 14.3534% | 867 |
| Tier 1 risk-based capital ratio | 19.3816% | 1,465 |
| Total risk-based capital ratio | 20.3052% | 1,505 |
| Memoranda: | ||
| Average total assets | $669,370,000 | 1,112 |
| Average earning assets | $601,501,330 | 1,134 |
| Average equity | $104,133,000 | 860 |
| Average total loans | $443,227,330 | 1,176 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 3,882 |
| Cost of funding earning assets | 0.2041% | 5,110 |
| Net interest margin | 3.9924% | 1,868 |
| Noninterest income to average assets | 0.6399% | 1,863 |
| Noninterest expense to average assets | 2.3617% | 3,869 |
| Loan and lease loss provision to assets | 0.1654% | 1,018 |
| Net operating income to assets | 1.2804% | 1,774 |
| Return on assets (ROA) | 1.2780% | 1,822 |
| Pretax return on assets | 1.6984% | 1,211 |
| Return on Equity (ROE) | 8.2854% | 3,122 |
| Retained earnings to average equity (ytd only) | 8.2854% | 1,555 |
| Net charge-offs to loans | 0.1375% | 920 |
| Credit loss provision to net charge-offs | 182.1192% | 1,108 |
| Earnings coverage of net charge-offs (x) | 20.5563% | 1,552 |
| Efficiency ratio | 55.8527% | 4,354 |
| Assets per employee ($millions) | 5.6761% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,750 |
| Loan loss allowance to noncurrent loans | 54.9805% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 1,143 |
| Noncurrent loans to loans | 1.8072% | 852 |
| Net loans and leases to total assets | 64.5680% | 3,221 |
| Net loans and leases to deposits | 77.0051% | 3,163 |
| Net loans and leases to core deposits | 77.7587% | 3,536 |
| Total domestic deposits to total assets | 83.8489% | 3,098 |
| Equity capital to assets | 15.4404% | 661 |
| Core capital (leverage) ratio | 14.1913% | 898 |
| Tier 1 risk-based capital ratio | 15.4311% | 2,683 |
| Total risk-based capital ratio | 16.1608% | 2,843 |
| Memoranda: | ||
| Average total assets | $665,108,000 | 1,118 |
| Average earning assets | $597,835,000 | 1,148 |
| Average equity | $102,589,500 | 869 |
| Average total loans | $439,303,500 | 1,188 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,905 |
| Cost of funding earning assets | 0.1985% | 5,008 |
| Net interest margin | 3.8472% | 2,510 |
| Noninterest income to average assets | 0.6709% | 1,959 |
| Noninterest expense to average assets | 2.5311% | 3,519 |
| Loan and lease loss provision to assets | 0.1301% | 1,693 |
| Net operating income to assets | 1.1642% | 2,334 |
| Return on assets (ROA) | 1.1495% | 2,388 |
| Pretax return on assets | 1.4529% | 1,943 |
| Return on Equity (ROE) | 7.7486% | 3,549 |
| Retained earnings to average equity (ytd only) | 7.7486% | 1,350 |
| Net charge-offs to loans | 0.2424% | 800 |
| Credit loss provision to net charge-offs | 82.2907% | 2,833 |
| Earnings coverage of net charge-offs (x) | 10.1319% | 2,752 |
| Efficiency ratio | 61.0808% | 3,679 |
| Assets per employee ($millions) | 5.5488% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,858 |
| Loan loss allowance to noncurrent loans | 34.5351% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.8824% | 528 |
| Noncurrent loans to loans | 2.8110% | 389 |
| Net loans and leases to total assets | 66.2607% | 3,096 |
| Net loans and leases to deposits | 79.8427% | 2,972 |
| Net loans and leases to core deposits | 81.1639% | 3,338 |
| Total domestic deposits to total assets | 82.9891% | 3,335 |
| Equity capital to assets | 15.4080% | 630 |
| Core capital (leverage) ratio | 13.8867% | 952 |
| Tier 1 risk-based capital ratio | 15.0330% | 2,818 |
| Total risk-based capital ratio | 15.7541% | 2,974 |
| Memoranda: | ||
| Average total assets | $657,301,200 | 1,103 |
| Average earning assets | $591,435,800 | 1,132 |
| Average equity | $97,513,800 | 870 |
| Average total loans | $428,549,400 | 1,183 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 4,063 |
| Cost of funding earning assets | 0.1961% | 5,031 |
| Net interest margin | 3.7580% | 2,799 |
| Noninterest income to average assets | 0.6641% | 2,007 |
| Noninterest expense to average assets | 2.3234% | 4,045 |
| Loan and lease loss provision to assets | 0.0802% | 2,352 |
| Net operating income to assets | 1.2959% | 1,875 |
| Return on assets (ROA) | 1.2903% | 1,897 |
| Pretax return on assets | 1.6394% | 1,446 |
| Return on Equity (ROE) | 8.7815% | 3,203 |
| Retained earnings to average equity (ytd only) | 8.7815% | 1,315 |
| Net charge-offs to loans | 0.2190% | 777 |
| Credit loss provision to net charge-offs | 56.5714% | 2,782 |
| Earnings coverage of net charge-offs (x) | 12.1729% | 2,468 |
| Efficiency ratio | 57.1550% | 4,233 |
| Assets per employee ($millions) | 5.8233% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 4,007 |
| Loan loss allowance to noncurrent loans | 52.2569% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1856% | 1,185 |
| Noncurrent loans to loans | 1.8381% | 832 |
| Net loans and leases to total assets | 63.6352% | 3,472 |
| Net loans and leases to deposits | 75.3739% | 3,470 |
| Net loans and leases to core deposits | 76.4884% | 3,768 |
| Total domestic deposits to total assets | 84.4260% | 2,804 |
| Equity capital to assets | 14.8326% | 757 |
| Core capital (leverage) ratio | 13.5580% | 1,083 |
| Tier 1 risk-based capital ratio | 18.0333% | 1,783 |
| Total risk-based capital ratio | 18.8853% | 1,846 |
| Memoranda: | ||
| Average total assets | $657,936,000 | 1,108 |
| Average earning assets | $592,818,750 | 1,128 |
| Average equity | $96,670,750 | 871 |
| Average total loans | $426,161,000 | 1,195 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,948 |
| Cost of funding earning assets | 0.2010% | 5,026 |
| Net interest margin | 3.7405% | 2,788 |
| Noninterest income to average assets | 0.6556% | 2,067 |
| Noninterest expense to average assets | 2.3470% | 4,032 |
| Loan and lease loss provision to assets | 0.0508% | 2,901 |
| Net operating income to assets | 1.2984% | 1,779 |
| Return on assets (ROA) | 1.2899% | 1,809 |
| Pretax return on assets | 1.6155% | 1,452 |
| Return on Equity (ROE) | 8.8073% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.8073% | 1,274 |
| Net charge-offs to loans | 0.2547% | 627 |
| Credit loss provision to net charge-offs | 30.6839% | 2,623 |
| Earnings coverage of net charge-offs (x) | 10.1368% | 2,351 |
| Efficiency ratio | 58.0895% | 4,218 |
| Assets per employee ($millions) | 5.3457% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,075 |
| Loan loss allowance to noncurrent loans | 53.2582% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 1,231 |
| Noncurrent loans to loans | 1.7988% | 866 |
| Net loans and leases to total assets | 64.3904% | 3,354 |
| Net loans and leases to deposits | 77.0051% | 3,252 |
| Net loans and leases to core deposits | 78.2233% | 3,558 |
| Total domestic deposits to total assets | 83.6183% | 3,212 |
| Equity capital to assets | 14.9549% | 694 |
| Core capital (leverage) ratio | 13.3921% | 1,102 |
| Tier 1 risk-based capital ratio | 17.6788% | 1,894 |
| Total risk-based capital ratio | 18.5202% | 1,964 |
| Memoranda: | ||
| Average total assets | $654,021,000 | 1,117 |
| Average earning assets | $588,962,000 | 1,141 |
| Average equity | $95,784,000 | 879 |
| Average total loans | $424,786,000 | 1,200 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,991 |
| Cost of funding earning assets | 0.1983% | 5,026 |
| Net interest margin | 3.6793% | 2,887 |
| Noninterest income to average assets | 0.6425% | 2,065 |
| Noninterest expense to average assets | 2.3599% | 4,043 |
| Loan and lease loss provision to assets | 0.0507% | 2,762 |
| Net operating income to assets | 1.2913% | 1,674 |
| Return on assets (ROA) | 1.2862% | 1,695 |
| Pretax return on assets | 1.5452% | 1,544 |
| Return on Equity (ROE) | 8.8758% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.8758% | 1,509 |
| Net charge-offs to loans | 0.0235% | 2,032 |
| Credit loss provision to net charge-offs | 332.0000% | 768 |
| Earnings coverage of net charge-offs (x) | 104.9200% | 594 |
| Efficiency ratio | 59.3341% | 4,163 |
| Assets per employee ($millions) | 5.6182% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,626 |
| Loan loss allowance to noncurrent loans | 42.7485% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 841 |
| Noncurrent loans to loans | 2.4695% | 557 |
| Net loans and leases to total assets | 64.0929% | 3,293 |
| Net loans and leases to deposits | 75.4840% | 3,273 |
| Net loans and leases to core deposits | 78.3424% | 3,467 |
| Total domestic deposits to total assets | 84.9093% | 2,971 |
| Equity capital to assets | 14.5324% | 769 |
| Core capital (leverage) ratio | 12.9611% | 1,194 |
| Tier 1 risk-based capital ratio | 17.2821% | 2,041 |
| Total risk-based capital ratio | 18.2155% | 2,078 |
| Memoranda: | ||
| Average total assets | $654,941,500 | 1,126 |
| Average earning assets | $590,880,000 | 1,147 |
| Average equity | $94,909,500 | 892 |
| Average total loans | $425,177,500 | 1,204 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,062 |
| Cost of funding earning assets | 0.1894% | 5,024 |
| Net interest margin | 3.6060% | 3,144 |
| Noninterest income to average assets | 0.6875% | 2,020 |
| Noninterest expense to average assets | 2.3334% | 4,248 |
| Loan and lease loss provision to assets | 0.4166% | 344 |
| Net operating income to assets | 0.6923% | 3,628 |
| Return on assets (ROA) | 0.7675% | 3,352 |
| Pretax return on assets | 1.2986% | 2,358 |
| Return on Equity (ROE) | 5.3976% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.3976% | 1,868 |
| Net charge-offs to loans | 0.5990% | 383 |
| Credit loss provision to net charge-offs | 111.7695% | 2,329 |
| Earnings coverage of net charge-offs (x) | 4.2864% | 3,486 |
| Efficiency ratio | 59.0854% | 4,399 |
| Assets per employee ($millions) | 5.6744% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,656 |
| Loan loss allowance to noncurrent loans | 45.2986% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 906 |
| Noncurrent loans to loans | 2.3071% | 612 |
| Net loans and leases to total assets | 64.3811% | 3,319 |
| Net loans and leases to deposits | 76.9661% | 3,235 |
| Net loans and leases to core deposits | 79.5273% | 3,454 |
| Total domestic deposits to total assets | 83.6487% | 3,331 |
| Equity capital to assets | 14.4499% | 795 |
| Core capital (leverage) ratio | 12.9815% | 1,149 |
| Tier 1 risk-based capital ratio | 16.7080% | 2,193 |
| Total risk-based capital ratio | 17.6030% | 2,251 |
| Memoranda: | ||
| Average total assets | $651,956,600 | 1,117 |
| Average earning assets | $586,446,600 | 1,135 |
| Average equity | $92,708,400 | 887 |
| Average total loans | $405,649,600 | 1,218 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,114 |
| Cost of funding earning assets | 0.1886% | 5,063 |
| Net interest margin | 3.5797% | 3,225 |
| Noninterest income to average assets | 0.6939% | 2,030 |
| Noninterest expense to average assets | 2.2048% | 4,515 |
| Loan and lease loss provision to assets | 0.4012% | 334 |
| Net operating income to assets | 0.9400% | 2,827 |
| Return on assets (ROA) | 1.0528% | 2,354 |
| Pretax return on assets | 1.4624% | 1,907 |
| Return on Equity (ROE) | 7.4354% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.4354% | 1,470 |
| Net charge-offs to loans | 0.2296% | 943 |
| Credit loss provision to net charge-offs | 283.9363% | 1,031 |
| Earnings coverage of net charge-offs (x) | 12.0796% | 2,452 |
| Efficiency ratio | 56.0749% | 4,727 |
| Assets per employee ($millions) | 5.8885% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,211 |
| Loan loss allowance to noncurrent loans | 52.6817% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 916 |
| Noncurrent loans to loans | 2.5221% | 602 |
| Net loans and leases to total assets | 59.9818% | 3,866 |
| Net loans and leases to deposits | 70.4630% | 3,922 |
| Net loans and leases to core deposits | 73.8102% | 3,991 |
| Total domestic deposits to total assets | 85.1253% | 2,666 |
| Equity capital to assets | 14.1299% | 958 |
| Core capital (leverage) ratio | 12.7100% | 1,331 |
| Tier 1 risk-based capital ratio | 17.2262% | 2,085 |
| Total risk-based capital ratio | 18.3548% | 2,085 |
| Memoranda: | ||
| Average total assets | $651,960,750 | 1,120 |
| Average earning assets | $586,068,500 | 1,143 |
| Average equity | $92,312,250 | 891 |
| Average total loans | $401,322,500 | 1,238 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 4,439 |
| Cost of funding earning assets | 0.1874% | 5,087 |
| Net interest margin | 3.4389% | 3,634 |
| Noninterest income to average assets | 0.6959% | 2,007 |
| Noninterest expense to average assets | 2.2432% | 4,475 |
| Loan and lease loss provision to assets | 0.1292% | 1,611 |
| Net operating income to assets | 0.9699% | 2,569 |
| Return on assets (ROA) | 1.1365% | 1,884 |
| Pretax return on assets | 1.6576% | 1,169 |
| Return on Equity (ROE) | 8.0205% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.0205% | 1,156 |
| Net charge-offs to loans | 0.2060% | 984 |
| Credit loss provision to net charge-offs | 101.4599% | 1,987 |
| Earnings coverage of net charge-offs (x) | 12.1363% | 2,221 |
| Efficiency ratio | 58.8813% | 4,478 |
| Assets per employee ($millions) | 5.1354% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,974 |
| Loan loss allowance to noncurrent loans | 40.1100% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.6937% | 853 |
| Noncurrent loans to loans | 2.5644% | 571 |
| Net loans and leases to total assets | 62.3121% | 3,590 |
| Net loans and leases to deposits | 73.5627% | 3,590 |
| Net loans and leases to core deposits | 76.4422% | 3,734 |
| Total domestic deposits to total assets | 84.7062% | 2,932 |
| Equity capital to assets | 14.5452% | 813 |
| Core capital (leverage) ratio | 12.9396% | 1,199 |
| Tier 1 risk-based capital ratio | 16.1106% | 2,456 |
| Total risk-based capital ratio | 16.9347% | 2,563 |
| Memoranda: | ||
| Average total assets | $645,518,670 | 1,134 |
| Average earning assets | $580,542,330 | 1,156 |
| Average equity | $91,465,670 | 900 |
| Average total loans | $399,072,670 | 1,245 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,581 |
| Cost of funding earning assets | 0.1858% | 5,107 |
| Net interest margin | 3.3519% | 3,839 |
| Noninterest income to average assets | 0.6896% | 2,012 |
| Noninterest expense to average assets | 2.2925% | 4,425 |
| Loan and lease loss provision to assets | 0.0519% | 2,770 |
| Net operating income to assets | 0.9121% | 2,698 |
| Return on assets (ROA) | 1.0252% | 2,248 |
| Pretax return on assets | 1.5350% | 1,428 |
| Return on Equity (ROE) | 7.3315% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.3315% | 1,727 |
| Net charge-offs to loans | 0.1130% | 1,267 |
| Credit loss provision to net charge-offs | 75.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 20.4911% | 1,481 |
| Efficiency ratio | 61.4488% | 4,235 |
| Assets per employee ($millions) | 5.7805% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 4,037 |
| Loan loss allowance to noncurrent loans | 77.3546% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 2,106 |
| Noncurrent loans to loans | 1.3434% | 1,506 |
| Net loans and leases to total assets | 59.5830% | 3,827 |
| Net loans and leases to deposits | 69.7623% | 3,823 |
| Net loans and leases to core deposits | 72.9072% | 3,923 |
| Total domestic deposits to total assets | 85.4086% | 2,922 |
| Equity capital to assets | 13.8904% | 937 |
| Core capital (leverage) ratio | 12.3640% | 1,416 |
| Tier 1 risk-based capital ratio | 15.6728% | 2,674 |
| Total risk-based capital ratio | 16.5307% | 2,773 |
| Memoranda: | ||
| Average total assets | $647,315,500 | 1,130 |
| Average earning assets | $583,424,500 | 1,151 |
| Average equity | $90,514,000 | 905 |
| Average total loans | $396,532,000 | 1,250 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,117 |
| Cost of funding earning assets | 0.1972% | 5,040 |
| Net interest margin | 3.5352% | 3,300 |
| Noninterest income to average assets | 0.7775% | 1,840 |
| Noninterest expense to average assets | 2.4525% | 4,157 |
| Loan and lease loss provision to assets | 0.0751% | 2,851 |
| Net operating income to assets | 0.9284% | 2,688 |
| Return on assets (ROA) | 0.9475% | 2,705 |
| Pretax return on assets | 1.4460% | 1,761 |
| Return on Equity (ROE) | 6.7066% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.7066% | 1,351 |
| Net charge-offs to loans | 0.0518% | 3,003 |
| Credit loss provision to net charge-offs | 232.1608% | 1,241 |
| Earnings coverage of net charge-offs (x) | 46.1307% | 1,061 |
| Efficiency ratio | 61.8098% | 4,284 |
| Assets per employee ($millions) | 5.5759% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,026 |
| Loan loss allowance to noncurrent loans | 74.9684% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 1,950 |
| Noncurrent loans to loans | 1.3972% | 1,461 |
| Net loans and leases to total assets | 61.6927% | 3,648 |
| Net loans and leases to deposits | 72.3338% | 3,680 |
| Net loans and leases to core deposits | 74.4562% | 3,884 |
| Total domestic deposits to total assets | 85.2889% | 2,926 |
| Equity capital to assets | 14.0790% | 862 |
| Core capital (leverage) ratio | 12.6081% | 1,299 |
| Tier 1 risk-based capital ratio | 16.7692% | 2,241 |
| Total risk-based capital ratio | 17.7005% | 2,307 |
| Memoranda: | ||
| Average total assets | $615,203,200 | 1,138 |
| Average earning assets | $551,166,000 | 1,168 |
| Average equity | $86,913,800 | 915 |
| Average total loans | $384,379,800 | 1,241 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,187 |
| Cost of funding earning assets | 0.1978% | 5,093 |
| Net interest margin | 3.5214% | 3,386 |
| Noninterest income to average assets | 0.8082% | 1,727 |
| Noninterest expense to average assets | 2.3075% | 4,515 |
| Loan and lease loss provision to assets | 0.0824% | 2,562 |
| Net operating income to assets | 1.0278% | 2,306 |
| Return on assets (ROA) | 1.0382% | 2,377 |
| Pretax return on assets | 1.5859% | 1,423 |
| Return on Equity (ROE) | 7.3405% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.3405% | 1,462 |
| Net charge-offs to loans | 0.0608% | 2,482 |
| Credit loss provision to net charge-offs | 216.6667% | 1,355 |
| Earnings coverage of net charge-offs (x) | 43.4491% | 1,176 |
| Efficiency ratio | 57.8982% | 4,827 |
| Assets per employee ($millions) | 5.5540% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 4,127 |
| Loan loss allowance to noncurrent loans | 76.1967% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 2,177 |
| Noncurrent loans to loans | 1.3773% | 1,599 |
| Net loans and leases to total assets | 61.4624% | 3,694 |
| Net loans and leases to deposits | 72.2309% | 3,783 |
| Net loans and leases to core deposits | 74.7374% | 3,945 |
| Total domestic deposits to total assets | 85.0915% | 2,766 |
| Equity capital to assets | 14.1827% | 973 |
| Core capital (leverage) ratio | 12.5030% | 1,397 |
| Tier 1 risk-based capital ratio | 16.7873% | 2,307 |
| Total risk-based capital ratio | 17.6982% | 2,390 |
| Memoranda: | ||
| Average total assets | $610,043,000 | 1,156 |
| Average earning assets | $545,981,500 | 1,181 |
| Average equity | $86,277,250 | 925 |
| Average total loans | $381,399,750 | 1,239 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,157 |
| Cost of funding earning assets | 0.1985% | 5,163 |
| Net interest margin | 3.5417% | 3,319 |
| Noninterest income to average assets | 0.8272% | 1,619 |
| Noninterest expense to average assets | 2.2844% | 4,652 |
| Loan and lease loss provision to assets | 0.0970% | 2,213 |
| Net operating income to assets | 1.0160% | 2,318 |
| Return on assets (ROA) | 1.0192% | 2,437 |
| Pretax return on assets | 1.6164% | 1,320 |
| Return on Equity (ROE) | 7.2136% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.2136% | 1,503 |
| Net charge-offs to loans | 0.0724% | 2,151 |
| Credit loss provision to net charge-offs | 213.8686% | 1,247 |
| Earnings coverage of net charge-offs (x) | 37.6715% | 1,197 |
| Efficiency ratio | 56.8148% | 5,049 |
| Assets per employee ($millions) | 5.3006% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 4,225 |
| Loan loss allowance to noncurrent loans | 68.5656% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 2,117 |
| Noncurrent loans to loans | 1.5335% | 1,411 |
| Net loans and leases to total assets | 61.8961% | 3,638 |
| Net loans and leases to deposits | 72.7510% | 3,723 |
| Net loans and leases to core deposits | 75.4151% | 3,873 |
| Total domestic deposits to total assets | 85.0794% | 2,838 |
| Equity capital to assets | 14.1992% | 963 |
| Core capital (leverage) ratio | 12.3005% | 1,457 |
| Tier 1 risk-based capital ratio | 16.5667% | 2,401 |
| Total risk-based capital ratio | 17.4627% | 2,486 |
| Memoranda: | ||
| Average total assets | $604,191,670 | 1,170 |
| Average earning assets | $540,029,670 | 1,197 |
| Average equity | $85,366,330 | 930 |
| Average total loans | $378,590,670 | 1,250 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,185 |
| Cost of funding earning assets | 0.2007% | 5,201 |
| Net interest margin | 3.5348% | 3,339 |
| Noninterest income to average assets | 0.7200% | 1,938 |
| Noninterest expense to average assets | 2.2817% | 4,710 |
| Loan and lease loss provision to assets | 0.0728% | 2,503 |
| Net operating income to assets | 0.9247% | 2,624 |
| Return on assets (ROA) | 0.9251% | 2,732 |
| Pretax return on assets | 1.5189% | 1,531 |
| Return on Equity (ROE) | 6.5643% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,098 |
| Net charge-offs to loans | 0.0469% | 2,092 |
| Credit loss provision to net charge-offs | 247.7273% | 955 |
| Earnings coverage of net charge-offs (x) | 54.1364% | 832 |
| Efficiency ratio | 58.5029% | 4,946 |
| Assets per employee ($millions) | 5.4464% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,353 |
| Loan loss allowance to noncurrent loans | 59.3989% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 1,955 |
| Noncurrent loans to loans | 1.7616% | 1,260 |
| Net loans and leases to total assets | 61.2858% | 3,622 |
| Net loans and leases to deposits | 71.8116% | 3,666 |
| Net loans and leases to core deposits | 75.0351% | 3,786 |
| Total domestic deposits to total assets | 85.3425% | 2,984 |
| Equity capital to assets | 13.9774% | 989 |
| Core capital (leverage) ratio | 12.0743% | 1,560 |
| Tier 1 risk-based capital ratio | 16.0173% | 2,675 |
| Total risk-based capital ratio | 16.8889% | 2,777 |
| Memoranda: | ||
| Average total assets | $598,854,500 | 1,178 |
| Average earning assets | $534,122,000 | 1,211 |
| Average equity | $84,396,500 | 941 |
| Average total loans | $375,575,000 | 1,257 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 3,969 |
| Cost of funding earning assets | 0.2028% | 5,262 |
| Net interest margin | 3.6210% | 3,054 |
| Noninterest income to average assets | 0.7522% | 1,973 |
| Noninterest expense to average assets | 2.4513% | 4,382 |
| Loan and lease loss provision to assets | 0.0645% | 3,003 |
| Net operating income to assets | 0.9329% | 2,692 |
| Return on assets (ROA) | 0.9552% | 2,668 |
| Pretax return on assets | 1.4815% | 1,614 |
| Return on Equity (ROE) | 6.8485% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.8485% | 1,348 |
| Net charge-offs to loans | 0.0595% | 3,027 |
| Credit loss provision to net charge-offs | 174.4186% | 1,554 |
| Earnings coverage of net charge-offs (x) | 40.8558% | 1,162 |
| Efficiency ratio | 61.4059% | 4,703 |
| Assets per employee ($millions) | 5.2947% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,378 |
| Loan loss allowance to noncurrent loans | 54.6221% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 1,751 |
| Noncurrent loans to loans | 1.9065% | 1,122 |
| Net loans and leases to total assets | 62.8654% | 3,435 |
| Net loans and leases to deposits | 73.8441% | 3,510 |
| Net loans and leases to core deposits | 76.0384% | 3,751 |
| Total domestic deposits to total assets | 85.1326% | 3,024 |
| Equity capital to assets | 14.2130% | 862 |
| Core capital (leverage) ratio | 12.1769% | 1,518 |
| Tier 1 risk-based capital ratio | 15.5826% | 2,891 |
| Total risk-based capital ratio | 16.4336% | 3,024 |
| Memoranda: | ||
| Average total assets | $581,253,600 | 1,176 |
| Average earning assets | $515,320,400 | 1,217 |
| Average equity | $81,069,200 | 936 |
| Average total loans | $361,229,200 | 1,257 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,057 |
| Cost of funding earning assets | 0.2031% | 5,350 |
| Net interest margin | 3.6067% | 3,133 |
| Noninterest income to average assets | 0.7536% | 2,010 |
| Noninterest expense to average assets | 2.3037% | 4,769 |
| Loan and lease loss provision to assets | 0.0570% | 3,048 |
| Net operating income to assets | 1.0133% | 2,404 |
| Return on assets (ROA) | 1.0227% | 2,456 |
| Pretax return on assets | 1.6021% | 1,376 |
| Return on Equity (ROE) | 7.3686% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.3686% | 1,514 |
| Net charge-offs to loans | 0.0409% | 3,067 |
| Credit loss provision to net charge-offs | 225.4545% | 1,221 |
| Earnings coverage of net charge-offs (x) | 64.9922% | 863 |
| Efficiency ratio | 57.8770% | 5,133 |
| Assets per employee ($millions) | 5.1371% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 4,466 |
| Loan loss allowance to noncurrent loans | 81.8028% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 2,853 |
| Noncurrent loans to loans | 1.2835% | 1,992 |
| Net loans and leases to total assets | 61.1406% | 3,715 |
| Net loans and leases to deposits | 71.5819% | 3,819 |
| Net loans and leases to core deposits | 74.5495% | 3,956 |
| Total domestic deposits to total assets | 85.4134% | 2,822 |
| Equity capital to assets | 13.8046% | 1,100 |
| Core capital (leverage) ratio | 11.9155% | 1,726 |
| Tier 1 risk-based capital ratio | 15.5560% | 3,024 |
| Total risk-based capital ratio | 16.4210% | 3,138 |
| Memoranda: | ||
| Average total assets | $579,635,250 | 1,181 |
| Average earning assets | $513,398,250 | 1,230 |
| Average equity | $80,447,250 | 953 |
| Average total loans | $358,197,000 | 1,272 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,149 |
| Cost of funding earning assets | 0.2043% | 5,401 |
| Net interest margin | 3.5714% | 3,203 |
| Noninterest income to average assets | 0.7485% | 2,000 |
| Noninterest expense to average assets | 2.3305% | 4,771 |
| Loan and lease loss provision to assets | 0.0568% | 2,964 |
| Net operating income to assets | 0.9701% | 2,536 |
| Return on assets (ROA) | 0.9874% | 2,564 |
| Pretax return on assets | 1.5486% | 1,495 |
| Return on Equity (ROE) | 7.1015% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.1015% | 1,655 |
| Net charge-offs to loans | 0.0445% | 2,807 |
| Credit loss provision to net charge-offs | 206.3291% | 1,201 |
| Earnings coverage of net charge-offs (x) | 57.3544% | 864 |
| Efficiency ratio | 59.1160% | 5,096 |
| Assets per employee ($millions) | 5.0672% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 4,548 |
| Loan loss allowance to noncurrent loans | 74.5551% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 2,623 |
| Noncurrent loans to loans | 1.4201% | 1,888 |
| Net loans and leases to total assets | 61.6698% | 3,601 |
| Net loans and leases to deposits | 72.3415% | 3,684 |
| Net loans and leases to core deposits | 74.9892% | 3,849 |
| Total domestic deposits to total assets | 85.2482% | 3,023 |
| Equity capital to assets | 14.0471% | 968 |
| Core capital (leverage) ratio | 12.1693% | 1,552 |
| Tier 1 risk-based capital ratio | 15.1225% | 3,288 |
| Total risk-based capital ratio | 15.9579% | 3,453 |
| Memoranda: | ||
| Average total assets | $574,212,330 | 1,196 |
| Average earning assets | $508,095,670 | 1,242 |
| Average equity | $79,842,330 | 965 |
| Average total loans | $354,861,000 | 1,283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 4,221 |
| Cost of funding earning assets | 0.2015% | 5,497 |
| Net interest margin | 3.5411% | 3,258 |
| Noninterest income to average assets | 0.7651% | 1,843 |
| Noninterest expense to average assets | 2.3211% | 4,825 |
| Loan and lease loss provision to assets | 0.0587% | 2,759 |
| Net operating income to assets | 0.9613% | 2,441 |
| Return on assets (ROA) | 0.9698% | 2,530 |
| Pretax return on assets | 1.5302% | 1,459 |
| Return on Equity (ROE) | 7.0109% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.0109% | 2,009 |
| Net charge-offs to loans | 0.0045% | 3,163 |
| Credit loss provision to net charge-offs | 2,100.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 563.7500% | 94 |
| Efficiency ratio | 59.0461% | 5,219 |
| Assets per employee ($millions) | 5.3889% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 4,662 |
| Loan loss allowance to noncurrent loans | 59.5186% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.1663% | 2,298 |
| Noncurrent loans to loans | 1.7969% | 1,514 |
| Net loans and leases to total assets | 59.9688% | 3,657 |
| Net loans and leases to deposits | 73.6415% | 3,358 |
| Net loans and leases to core deposits | 76.8256% | 3,514 |
| Total domestic deposits to total assets | 81.4334% | 4,692 |
| Equity capital to assets | 13.6118% | 1,122 |
| Core capital (leverage) ratio | 12.0448% | 1,615 |
| Tier 1 risk-based capital ratio | 15.0844% | 3,391 |
| Total risk-based capital ratio | 15.9399% | 3,535 |
| Memoranda: | ||
| Average total assets | $572,490,000 | 1,203 |
| Average earning assets | $506,282,500 | 1,254 |
| Average equity | $79,191,500 | 969 |
| Average total loans | $352,265,500 | 1,286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 4,248 |
| Cost of funding earning assets | 0.2219% | 5,579 |
| Net interest margin | 3.6473% | 3,223 |
| Noninterest income to average assets | 0.8796% | 1,569 |
| Noninterest expense to average assets | 2.5321% | 4,447 |
| Loan and lease loss provision to assets | 0.0609% | 3,302 |
| Net operating income to assets | 0.9354% | 2,699 |
| Return on assets (ROA) | 0.9632% | 2,650 |
| Pretax return on assets | 1.5239% | 1,456 |
| Return on Equity (ROE) | 6.8730% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.8730% | 1,463 |
| Net charge-offs to loans | 0.0495% | 3,835 |
| Credit loss provision to net charge-offs | 199.3939% | 1,242 |
| Earnings coverage of net charge-offs (x) | 50.4667% | 920 |
| Efficiency ratio | 61.6031% | 4,967 |
| Assets per employee ($millions) | 4.9785% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 4,693 |
| Loan loss allowance to noncurrent loans | 64.9477% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 2,359 |
| Noncurrent loans to loans | 1.6472% | 1,776 |
| Net loans and leases to total assets | 61.8276% | 3,529 |
| Net loans and leases to deposits | 74.4117% | 3,382 |
| Net loans and leases to core deposits | 76.7172% | 3,635 |
| Total domestic deposits to total assets | 83.0885% | 4,043 |
| Equity capital to assets | 14.0657% | 933 |
| Core capital (leverage) ratio | 12.0720% | 1,577 |
| Tier 1 risk-based capital ratio | 15.0705% | 3,452 |
| Total risk-based capital ratio | 15.9361% | 3,592 |
| Memoranda: | ||
| Average total assets | $540,271,200 | 1,238 |
| Average earning assets | $473,095,600 | 1,293 |
| Average equity | $75,716,600 | 969 |
| Average total loans | $333,489,200 | 1,311 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,304 |
| Cost of funding earning assets | 0.2234% | 5,636 |
| Net interest margin | 3.6410% | 3,265 |
| Noninterest income to average assets | 0.8844% | 1,573 |
| Noninterest expense to average assets | 2.4233% | 4,750 |
| Loan and lease loss provision to assets | 0.0607% | 3,148 |
| Net operating income to assets | 0.9944% | 2,472 |
| Return on assets (ROA) | 1.0100% | 2,468 |
| Pretax return on assets | 1.6071% | 1,304 |
| Return on Equity (ROE) | 7.2139% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.2139% | 1,706 |
| Net charge-offs to loans | 0.0243% | 4,025 |
| Credit loss provision to net charge-offs | 406.6667% | 687 |
| Earnings coverage of net charge-offs (x) | 110.0973% | 542 |
| Efficiency ratio | 59.0139% | 5,310 |
| Assets per employee ($millions) | 4.8455% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 4,748 |
| Loan loss allowance to noncurrent loans | 65.0807% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 2,710 |
| Noncurrent loans to loans | 1.6907% | 1,924 |
| Net loans and leases to total assets | 60.9884% | 3,628 |
| Net loans and leases to deposits | 71.4881% | 3,737 |
| Net loans and leases to core deposits | 73.6876% | 3,977 |
| Total domestic deposits to total assets | 85.3126% | 3,206 |
| Equity capital to assets | 13.9535% | 1,025 |
| Core capital (leverage) ratio | 11.9919% | 1,702 |
| Tier 1 risk-based capital ratio | 13.5270% | 4,524 |
| Total risk-based capital ratio | 14.3109% | 4,758 |
| Memoranda: | ||
| Average total assets | $535,941,250 | 1,252 |
| Average earning assets | $468,428,250 | 1,320 |
| Average equity | $75,038,500 | 980 |
| Average total loans | $329,743,250 | 1,333 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,230 |
| Cost of funding earning assets | 0.2258% | 5,698 |
| Net interest margin | 3.6523% | 3,132 |
| Noninterest income to average assets | 0.9309% | 1,389 |
| Noninterest expense to average assets | 2.4205% | 4,822 |
| Loan and lease loss provision to assets | 0.0599% | 3,072 |
| Net operating income to assets | 1.0447% | 2,141 |
| Return on assets (ROA) | 1.0613% | 2,153 |
| Pretax return on assets | 1.6653% | 1,100 |
| Return on Equity (ROE) | 7.5714% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.5714% | 1,488 |
| Net charge-offs to loans | 0.0233% | 3,736 |
| Credit loss provision to net charge-offs | 418.4211% | 669 |
| Earnings coverage of net charge-offs (x) | 118.6053% | 492 |
| Efficiency ratio | 58.1495% | 5,538 |
| Assets per employee ($millions) | 4.8286% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 4,857 |
| Loan loss allowance to noncurrent loans | 62.4047% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 2,731 |
| Noncurrent loans to loans | 1.7797% | 1,936 |
| Net loans and leases to total assets | 60.6724% | 3,608 |
| Net loans and leases to deposits | 71.2322% | 3,674 |
| Net loans and leases to core deposits | 74.0263% | 3,838 |
| Total domestic deposits to total assets | 85.1755% | 3,419 |
| Equity capital to assets | 14.0893% | 935 |
| Core capital (leverage) ratio | 12.0974% | 1,608 |
| Tier 1 risk-based capital ratio | 13.4943% | 4,587 |
| Total risk-based capital ratio | 14.2784% | 4,826 |
| Memoranda: | ||
| Average total assets | $530,460,330 | 1,266 |
| Average earning assets | $463,159,330 | 1,328 |
| Average equity | $74,359,000 | 982 |
| Average total loans | $326,111,670 | 1,335 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 4,105 |
| Cost of funding earning assets | 0.2253% | 5,794 |
| Net interest margin | 3.6695% | 2,991 |
| Noninterest income to average assets | 1.0440% | 1,028 |
| Noninterest expense to average assets | 2.4406% | 4,811 |
| Loan and lease loss provision to assets | 0.0662% | 2,798 |
| Net operating income to assets | 1.0862% | 1,871 |
| Return on assets (ROA) | 1.0988% | 1,883 |
| Pretax return on assets | 1.7567% | 867 |
| Return on Equity (ROE) | 7.8594% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.8594% | 1,652 |
| Net charge-offs to loans | 0.0235% | 3,099 |
| Credit loss provision to net charge-offs | 457.8947% | 586 |
| Earnings coverage of net charge-offs (x) | 124.6316% | 389 |
| Efficiency ratio | 56.9173% | 5,764 |
| Assets per employee ($millions) | 4.7776% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,074 |
| Loan loss allowance to noncurrent loans | 60.0331% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 2,886 |
| Noncurrent loans to loans | 1.8515% | 2,064 |
| Net loans and leases to total assets | 60.9301% | 3,409 |
| Net loans and leases to deposits | 72.3133% | 3,294 |
| Net loans and leases to core deposits | 74.3525% | 3,610 |
| Total domestic deposits to total assets | 84.2585% | 4,182 |
| Equity capital to assets | 14.0176% | 915 |
| Core capital (leverage) ratio | 12.1138% | 1,591 |
| Tier 1 risk-based capital ratio | 13.4231% | 4,752 |
| Total risk-based capital ratio | 14.2114% | 4,962 |
| Memoranda: | ||
| Average total assets | $525,290,000 | 1,284 |
| Average earning assets | $458,047,000 | 1,347 |
| Average equity | $73,441,000 | 990 |
| Average total loans | $323,266,500 | 1,351 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 4,036 |
| Cost of funding earning assets | 0.2502% | 5,962 |
| Net interest margin | 3.7664% | 2,781 |
| Noninterest income to average assets | 0.8762% | 1,767 |
| Noninterest expense to average assets | 2.5612% | 4,583 |
| Loan and lease loss provision to assets | 0.0646% | 3,840 |
| Net operating income to assets | 0.9928% | 2,357 |
| Return on assets (ROA) | 0.9724% | 2,522 |
| Pretax return on assets | 1.5052% | 1,434 |
| Return on Equity (ROE) | 7.1728% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.1728% | 1,367 |
| Net charge-offs to loans | 0.0346% | 4,752 |
| Credit loss provision to net charge-offs | 323.3010% | 716 |
| Earnings coverage of net charge-offs (x) | 80.1262% | 549 |
| Efficiency ratio | 60.8791% | 5,367 |
| Assets per employee ($millions) | 4.6452% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,078 |
| Loan loss allowance to noncurrent loans | 42.6877% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 2,279 |
| Noncurrent loans to loans | 2.6109% | 1,429 |
| Net loans and leases to total assets | 60.7797% | 3,575 |
| Net loans and leases to deposits | 72.4749% | 3,463 |
| Net loans and leases to core deposits | 74.4223% | 3,790 |
| Total domestic deposits to total assets | 83.8631% | 4,216 |
| Equity capital to assets | 13.9438% | 920 |
| Core capital (leverage) ratio | 11.8374% | 1,725 |
| Tier 1 risk-based capital ratio | 13.1488% | 4,886 |
| Total risk-based capital ratio | 13.9255% | 5,141 |
| Memoranda: | ||
| Average total assets | $515,428,200 | 1,289 |
| Average earning assets | $449,708,400 | 1,351 |
| Average equity | $69,875,200 | 1,025 |
| Average total loans | $298,056,600 | 1,409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 4,864 |
| Cost of funding earning assets | 0.2545% | 6,052 |
| Net interest margin | 3.5442% | 3,690 |
| Noninterest income to average assets | 0.8870% | 1,801 |
| Noninterest expense to average assets | 2.4267% | 4,937 |
| Loan and lease loss provision to assets | 0.0589% | 3,871 |
| Net operating income to assets | 0.9807% | 2,464 |
| Return on assets (ROA) | 0.9944% | 2,486 |
| Pretax return on assets | 1.5166% | 1,558 |
| Return on Equity (ROE) | 7.3882% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3882% | 1,689 |
| Net charge-offs to loans | 0.0415% | 4,324 |
| Credit loss provision to net charge-offs | 249.4505% | 990 |
| Earnings coverage of net charge-offs (x) | 65.8903% | 695 |
| Efficiency ratio | 60.2540% | 5,399 |
| Assets per employee ($millions) | 4.4518% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,234 |
| Loan loss allowance to noncurrent loans | 47.5277% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 2,801 |
| Noncurrent loans to loans | 2.3651% | 1,862 |
| Net loans and leases to total assets | 59.1050% | 3,838 |
| Net loans and leases to deposits | 69.1117% | 3,919 |
| Net loans and leases to core deposits | 71.0088% | 4,211 |
| Total domestic deposits to total assets | 85.5211% | 3,485 |
| Equity capital to assets | 13.7831% | 1,027 |
| Core capital (leverage) ratio | 11.5980% | 1,954 |
| Tier 1 risk-based capital ratio | 12.9491% | 5,159 |
| Total risk-based capital ratio | 13.7139% | 5,414 |
| Memoranda: | ||
| Average total assets | $514,220,000 | 1,301 |
| Average earning assets | $448,952,750 | 1,365 |
| Average equity | $69,208,000 | 1,041 |
| Average total loans | $292,626,500 | 1,445 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,991 |
| Cost of funding earning assets | 0.2533% | 6,154 |
| Net interest margin | 3.4957% | 3,794 |
| Noninterest income to average assets | 0.8935% | 1,829 |
| Noninterest expense to average assets | 2.4012% | 5,045 |
| Loan and lease loss provision to assets | 0.0639% | 3,739 |
| Net operating income to assets | 0.9772% | 2,430 |
| Return on assets (ROA) | 0.9901% | 2,514 |
| Pretax return on assets | 1.5062% | 1,600 |
| Return on Equity (ROE) | 7.4163% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.4163% | 1,706 |
| Net charge-offs to loans | 0.0592% | 3,855 |
| Credit loss provision to net charge-offs | 192.9412% | 1,232 |
| Earnings coverage of net charge-offs (x) | 46.8353% | 833 |
| Efficiency ratio | 60.0335% | 5,481 |
| Assets per employee ($millions) | 4.6330% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,256 |
| Loan loss allowance to noncurrent loans | 44.1469% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 2,816 |
| Noncurrent loans to loans | 2.5985% | 1,773 |
| Net loans and leases to total assets | 57.1885% | 4,110 |
| Net loans and leases to deposits | 66.6327% | 4,192 |
| Net loans and leases to core deposits | 68.4603% | 4,452 |
| Total domestic deposits to total assets | 85.8265% | 3,459 |
| Equity capital to assets | 13.5366% | 1,116 |
| Core capital (leverage) ratio | 11.4482% | 1,979 |
| Tier 1 risk-based capital ratio | 12.8681% | 5,247 |
| Total risk-based capital ratio | 13.6354% | 5,526 |
| Memoranda: | ||
| Average total assets | $513,491,330 | 1,302 |
| Average earning assets | $449,236,000 | 1,360 |
| Average equity | $68,551,670 | 1,054 |
| Average total loans | $287,271,330 | 1,471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 5,099 |
| Cost of funding earning assets | 0.2547% | 6,260 |
| Net interest margin | 3.4642% | 3,840 |
| Noninterest income to average assets | 0.9300% | 1,660 |
| Noninterest expense to average assets | 2.4190% | 5,064 |
| Loan and lease loss provision to assets | 0.0624% | 3,594 |
| Net operating income to assets | 0.9908% | 2,264 |
| Return on assets (ROA) | 0.9862% | 2,411 |
| Pretax return on assets | 1.4843% | 1,604 |
| Return on Equity (ROE) | 7.4389% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.4389% | 1,969 |
| Net charge-offs to loans | 0.0907% | 2,934 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 31.1406% | 947 |
| Efficiency ratio | 60.1648% | 5,567 |
| Assets per employee ($millions) | 4.6675% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 5,266 |
| Loan loss allowance to noncurrent loans | 35.3861% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8682% | 2,518 |
| Noncurrent loans to loans | 3.3377% | 1,451 |
| Net loans and leases to total assets | 54.5921% | 4,318 |
| Net loans and leases to deposits | 63.5104% | 4,369 |
| Net loans and leases to core deposits | 65.2886% | 4,615 |
| Total domestic deposits to total assets | 85.9578% | 3,544 |
| Equity capital to assets | 13.4548% | 1,228 |
| Core capital (leverage) ratio | 11.2037% | 2,092 |
| Tier 1 risk-based capital ratio | 12.9371% | 5,273 |
| Total risk-based capital ratio | 13.7151% | 5,548 |
| Memoranda: | ||
| Average total assets | $513,105,000 | 1,313 |
| Average earning assets | $450,660,500 | 1,366 |
| Average equity | $68,020,500 | 1,074 |
| Average total loans | $282,150,500 | 1,509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 5,086 |
| Cost of funding earning assets | 0.3468% | 6,237 |
| Net interest margin | 3.7172% | 3,573 |
| Noninterest income to average assets | 1.0944% | 1,290 |
| Noninterest expense to average assets | 2.5413% | 4,960 |
| Loan and lease loss provision to assets | 0.1648% | 3,549 |
| Net operating income to assets | 1.0631% | 2,075 |
| Return on assets (ROA) | 1.0409% | 2,364 |
| Pretax return on assets | 1.5892% | 1,417 |
| Return on Equity (ROE) | 7.9792% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.9792% | 1,131 |
| Net charge-offs to loans | 0.0218% | 5,596 |
| Credit loss provision to net charge-offs | 1,377.9661% | 182 |
| Earnings coverage of net charge-offs (x) | 149.4915% | 283 |
| Efficiency ratio | 57.9662% | 5,835 |
| Assets per employee ($millions) | 4.7045% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,168 |
| Loan loss allowance to noncurrent loans | 36.6012% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 2,694 |
| Noncurrent loans to loans | 3.2455% | 1,585 |
| Net loans and leases to total assets | 54.0826% | 4,608 |
| Net loans and leases to deposits | 62.5911% | 4,710 |
| Net loans and leases to core deposits | 64.4832% | 4,905 |
| Total domestic deposits to total assets | 86.4062% | 3,150 |
| Equity capital to assets | 13.0583% | 1,415 |
| Core capital (leverage) ratio | 10.6458% | 2,604 |
| Tier 1 risk-based capital ratio | 12.6474% | 5,366 |
| Total risk-based capital ratio | 13.4341% | 5,623 |
| Memoranda: | ||
| Average total assets | $493,406,400 | 1,349 |
| Average earning assets | $429,333,200 | 1,405 |
| Average equity | $64,367,000 | 1,102 |
| Average total loans | $270,375,200 | 1,538 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 5,616 |
| Cost of funding earning assets | 0.3664% | 6,293 |
| Net interest margin | 3.5989% | 4,241 |
| Noninterest income to average assets | 1.1025% | 1,237 |
| Noninterest expense to average assets | 2.4054% | 5,381 |
| Loan and lease loss provision to assets | 0.0939% | 4,415 |
| Net operating income to assets | 1.1299% | 1,980 |
| Return on assets (ROA) | 1.1342% | 2,165 |
| Pretax return on assets | 1.7351% | 1,192 |
| Return on Equity (ROE) | 8.6964% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.6964% | 1,348 |
| Net charge-offs to loans | 0.0224% | 5,351 |
| Credit loss provision to net charge-offs | 764.4444% | 369 |
| Earnings coverage of net charge-offs (x) | 148.3963% | 297 |
| Efficiency ratio | 56.1193% | 6,043 |
| Assets per employee ($millions) | 4.5476% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 5,908 |
| Loan loss allowance to noncurrent loans | 33.2755% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 3,026 |
| Noncurrent loans to loans | 3.1409% | 1,766 |
| Net loans and leases to total assets | 52.5784% | 4,973 |
| Net loans and leases to deposits | 60.7616% | 5,117 |
| Net loans and leases to core deposits | 62.6877% | 5,295 |
| Total domestic deposits to total assets | 86.5323% | 2,965 |
| Equity capital to assets | 12.8153% | 1,697 |
| Core capital (leverage) ratio | 10.5687% | 2,837 |
| Tier 1 risk-based capital ratio | 12.6412% | 5,531 |
| Total risk-based capital ratio | 13.3303% | 5,878 |
| Memoranda: | ||
| Average total assets | $488,561,500 | 1,377 |
| Average earning assets | $424,266,500 | 1,437 |
| Average equity | $63,718,500 | 1,123 |
| Average total loans | $267,803,500 | 1,556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 5,606 |
| Cost of funding earning assets | 0.3980% | 6,275 |
| Net interest margin | 3.6137% | 4,204 |
| Noninterest income to average assets | 1.1095% | 1,164 |
| Noninterest expense to average assets | 2.4379% | 5,332 |
| Loan and lease loss provision to assets | 0.0986% | 4,300 |
| Net operating income to assets | 1.1059% | 2,025 |
| Return on assets (ROA) | 1.1132% | 2,216 |
| Pretax return on assets | 1.7108% | 1,227 |
| Return on Equity (ROE) | 8.4825% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.4825% | 1,455 |
| Net charge-offs to loans | 0.0256% | 5,026 |
| Credit loss provision to net charge-offs | 694.1176% | 461 |
| Earnings coverage of net charge-offs (x) | 126.5588% | 352 |
| Efficiency ratio | 56.7328% | 6,035 |
| Assets per employee ($millions) | 4.6679% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,099 |
| Loan loss allowance to noncurrent loans | 32.3940% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 3,120 |
| Noncurrent loans to loans | 3.1290% | 1,871 |
| Net loans and leases to total assets | 53.3969% | 4,898 |
| Net loans and leases to deposits | 61.6259% | 5,050 |
| Net loans and leases to core deposits | 63.5616% | 5,250 |
| Total domestic deposits to total assets | 86.6469% | 2,984 |
| Equity capital to assets | 12.6522% | 1,720 |
| Core capital (leverage) ratio | 10.6838% | 2,619 |
| Tier 1 risk-based capital ratio | 12.4843% | 5,572 |
| Total risk-based capital ratio | 13.1656% | 5,952 |
| Memoranda: | ||
| Average total assets | $478,606,670 | 1,402 |
| Average earning assets | $414,093,000 | 1,469 |
| Average equity | $62,812,000 | 1,132 |
| Average total loans | $265,251,670 | 1,573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 5,572 |
| Cost of funding earning assets | 0.4341% | 6,233 |
| Net interest margin | 3.6282% | 4,136 |
| Noninterest income to average assets | 1.1409% | 1,085 |
| Noninterest expense to average assets | 2.4932% | 5,170 |
| Loan and lease loss provision to assets | 0.1355% | 3,654 |
| Net operating income to assets | 1.0697% | 2,205 |
| Return on assets (ROA) | 1.0658% | 2,419 |
| Pretax return on assets | 1.6293% | 1,482 |
| Return on Equity (ROE) | 7.9638% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.9638% | 1,993 |
| Net charge-offs to loans | 0.0215% | 4,383 |
| Credit loss provision to net charge-offs | 1,121.4286% | 309 |
| Earnings coverage of net charge-offs (x) | 146.5714% | 249 |
| Efficiency ratio | 57.6199% | 5,963 |
| Assets per employee ($millions) | 4.4633% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,149 |
| Loan loss allowance to noncurrent loans | 25.5705% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 2.2671% | 2,629 |
| Noncurrent loans to loans | 4.0267% | 1,516 |
| Net loans and leases to total assets | 55.3216% | 4,504 |
| Net loans and leases to deposits | 64.3768% | 4,581 |
| Net loans and leases to core deposits | 66.4437% | 4,865 |
| Total domestic deposits to total assets | 85.9341% | 3,564 |
| Equity capital to assets | 13.3232% | 1,308 |
| Core capital (leverage) ratio | 11.1161% | 2,175 |
| Tier 1 risk-based capital ratio | 12.8554% | 5,318 |
| Total risk-based capital ratio | 13.5615% | 5,709 |
| Memoranda: | ||
| Average total assets | $463,508,500 | 1,441 |
| Average earning assets | $398,990,000 | 1,525 |
| Average equity | $62,030,500 | 1,141 |
| Average total loans | $260,644,000 | 1,607 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 5,626 |
| Cost of funding earning assets | 0.5523% | 6,329 |
| Net interest margin | 3.7893% | 3,881 |
| Noninterest income to average assets | 0.9374% | 1,545 |
| Noninterest expense to average assets | 2.7130% | 4,697 |
| Loan and lease loss provision to assets | 0.1652% | 4,569 |
| Net operating income to assets | 0.8903% | 2,642 |
| Return on assets (ROA) | 0.8698% | 2,879 |
| Pretax return on assets | 1.2641% | 2,258 |
| Return on Equity (ROE) | 6.5923% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.5923% | 1,699 |
| Net charge-offs to loans | 0.0559% | 5,751 |
| Credit loss provision to net charge-offs | 536.4964% | 427 |
| Earnings coverage of net charge-offs (x) | 47.3942% | 583 |
| Efficiency ratio | 64.0868% | 5,109 |
| Assets per employee ($millions) | 4.2821% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,201 |
| Loan loss allowance to noncurrent loans | 22.6475% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 2.6133% | 2,328 |
| Noncurrent loans to loans | 4.4356% | 1,348 |
| Net loans and leases to total assets | 56.0143% | 4,703 |
| Net loans and leases to deposits | 65.2467% | 4,844 |
| Net loans and leases to core deposits | 67.5007% | 5,089 |
| Total domestic deposits to total assets | 85.8500% | 3,400 |
| Equity capital to assets | 13.4450% | 1,298 |
| Core capital (leverage) ratio | 10.9768% | 2,283 |
| Tier 1 risk-based capital ratio | 12.7858% | 5,250 |
| Total risk-based capital ratio | 13.4775% | 5,638 |
| Memoranda: | ||
| Average total assets | $445,046,600 | 1,467 |
| Average earning assets | $379,882,000 | 1,561 |
| Average equity | $58,720,000 | 1,155 |
| Average total loans | $245,243,200 | 1,706 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 6,058 |
| Cost of funding earning assets | 0.5781% | 6,387 |
| Net interest margin | 3.6834% | 4,415 |
| Noninterest income to average assets | 0.9138% | 1,602 |
| Noninterest expense to average assets | 2.5821% | 5,142 |
| Loan and lease loss provision to assets | 0.1644% | 4,422 |
| Net operating income to assets | 0.9063% | 2,719 |
| Return on assets (ROA) | 0.9270% | 2,786 |
| Pretax return on assets | 1.3398% | 2,151 |
| Return on Equity (ROE) | 7.0605% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.0605% | 1,937 |
| Net charge-offs to loans | 0.0385% | 5,609 |
| Credit loss provision to net charge-offs | 780.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 69.9436% | 474 |
| Efficiency ratio | 62.6633% | 5,300 |
| Assets per employee ($millions) | 3.9712% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 6,326 |
| Loan loss allowance to noncurrent loans | 25.2128% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 2.2573% | 2,832 |
| Noncurrent loans to loans | 3.9188% | 1,693 |
| Net loans and leases to total assets | 54.4084% | 5,108 |
| Net loans and leases to deposits | 63.2802% | 5,261 |
| Net loans and leases to core deposits | 65.5421% | 5,463 |
| Total domestic deposits to total assets | 85.9801% | 3,225 |
| Equity capital to assets | 13.1650% | 1,528 |
| Core capital (leverage) ratio | 10.5514% | 2,809 |
| Tier 1 risk-based capital ratio | 12.8055% | 5,241 |
| Total risk-based capital ratio | 13.4868% | 5,700 |
| Memoranda: | ||
| Average total assets | $442,832,750 | 1,487 |
| Average earning assets | $377,796,500 | 1,579 |
| Average equity | $58,143,250 | 1,170 |
| Average total loans | $242,346,500 | 1,742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 6,134 |
| Cost of funding earning assets | 0.6143% | 6,386 |
| Net interest margin | 3.6453% | 4,541 |
| Noninterest income to average assets | 0.8800% | 1,717 |
| Noninterest expense to average assets | 2.6105% | 5,147 |
| Loan and lease loss provision to assets | 0.0887% | 5,208 |
| Net operating income to assets | 0.8323% | 2,936 |
| Return on assets (ROA) | 0.8372% | 3,022 |
| Pretax return on assets | 1.3018% | 2,134 |
| Return on Equity (ROE) | 6.3825% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.3825% | 2,199 |
| Net charge-offs to loans | 0.0400% | 5,293 |
| Credit loss provision to net charge-offs | 406.2500% | 737 |
| Earnings coverage of net charge-offs (x) | 63.3125% | 521 |
| Efficiency ratio | 64.3232% | 5,180 |
| Assets per employee ($millions) | 3.8586% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 6,739 |
| Loan loss allowance to noncurrent loans | 20.2955% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 2.4486% | 2,717 |
| Noncurrent loans to loans | 4.2628% | 1,590 |
| Net loans and leases to total assets | 54.5027% | 5,221 |
| Net loans and leases to deposits | 63.3063% | 5,363 |
| Net loans and leases to core deposits | 65.5856% | 5,556 |
| Total domestic deposits to total assets | 86.0936% | 3,271 |
| Equity capital to assets | 13.1414% | 1,452 |
| Core capital (leverage) ratio | 10.6640% | 2,557 |
| Tier 1 risk-based capital ratio | 12.8904% | 5,007 |
| Total risk-based capital ratio | 13.4920% | 5,555 |
| Memoranda: | ||
| Average total assets | $439,538,670 | 1,507 |
| Average earning assets | $375,388,670 | 1,600 |
| Average equity | $57,657,670 | 1,165 |
| Average total loans | $240,204,330 | 1,773 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 6,161 |
| Cost of funding earning assets | 0.6449% | 6,401 |
| Net interest margin | 3.6000% | 4,566 |
| Noninterest income to average assets | 0.8496% | 1,854 |
| Noninterest expense to average assets | 2.6259% | 5,129 |
| Loan and lease loss provision to assets | 0.0753% | 5,057 |
| Net operating income to assets | 0.7857% | 3,100 |
| Return on assets (ROA) | 0.7945% | 3,130 |
| Pretax return on assets | 1.2335% | 2,258 |
| Return on Equity (ROE) | 6.0620% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.0620% | 2,603 |
| Net charge-offs to loans | 0.0523% | 4,414 |
| Credit loss provision to net charge-offs | 264.5161% | 1,188 |
| Earnings coverage of net charge-offs (x) | 45.4839% | 622 |
| Efficiency ratio | 65.8937% | 5,048 |
| Assets per employee ($millions) | 4.0101% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 6,819 |
| Loan loss allowance to noncurrent loans | 20.9652% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 2.3226% | 2,925 |
| Noncurrent loans to loans | 4.0589% | 1,780 |
| Net loans and leases to total assets | 54.1928% | 5,277 |
| Net loans and leases to deposits | 62.9270% | 5,396 |
| Net loans and leases to core deposits | 64.6575% | 5,663 |
| Total domestic deposits to total assets | 86.1201% | 3,450 |
| Equity capital to assets | 13.1801% | 1,307 |
| Core capital (leverage) ratio | 10.6776% | 2,451 |
| Tier 1 risk-based capital ratio | 12.9263% | 4,878 |
| Total risk-based capital ratio | 13.5220% | 5,459 |
| Memoranda: | ||
| Average total assets | $435,511,000 | 1,524 |
| Average earning assets | $371,555,000 | 1,629 |
| Average equity | $57,076,500 | 1,167 |
| Average total loans | $237,266,500 | 1,811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 6,481 |
| Cost of funding earning assets | 0.8983% | 6,181 |
| Net interest margin | 3.5666% | 4,973 |
| Noninterest income to average assets | 0.8478% | 2,066 |
| Noninterest expense to average assets | 2.9082% | 4,192 |
| Loan and lease loss provision to assets | 0.0660% | 6,484 |
| Net operating income to assets | 0.5613% | 3,842 |
| Return on assets (ROA) | 0.6322% | 3,680 |
| Pretax return on assets | 0.9557% | 3,083 |
| Return on Equity (ROE) | 4.9157% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.9157% | 2,463 |
| Net charge-offs to loans | 0.0307% | 6,498 |
| Credit loss provision to net charge-offs | 402.8571% | 606 |
| Earnings coverage of net charge-offs (x) | 55.8000% | 423 |
| Efficiency ratio | 74.9005% | 3,225 |
| Assets per employee ($millions) | 3.9092% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 6,877 |
| Loan loss allowance to noncurrent loans | 19.7175% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 2.4325% | 2,843 |
| Noncurrent loans to loans | 4.2661% | 1,700 |
| Net loans and leases to total assets | 53.8441% | 5,653 |
| Net loans and leases to deposits | 62.4207% | 5,800 |
| Net loans and leases to core deposits | 63.7547% | 6,073 |
| Total domestic deposits to total assets | 86.2600% | 3,223 |
| Equity capital to assets | 13.0307% | 1,377 |
| Core capital (leverage) ratio | 10.1381% | 2,939 |
| Tier 1 risk-based capital ratio | 13.1859% | 4,461 |
| Total risk-based capital ratio | 13.7938% | 4,976 |
| Memoranda: | ||
| Average total assets | $427,240,000 | 1,561 |
| Average earning assets | $356,338,200 | 1,683 |
| Average equity | $54,946,200 | 1,214 |
| Average total loans | $227,718,800 | 1,914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 6,677 |
| Cost of funding earning assets | 0.9561% | 6,143 |
| Net interest margin | 3.5108% | 5,247 |
| Noninterest income to average assets | 0.7980% | 2,245 |
| Noninterest expense to average assets | 2.8457% | 4,291 |
| Loan and lease loss provision to assets | 0.0517% | 6,564 |
| Net operating income to assets | 0.5453% | 4,110 |
| Return on assets (ROA) | 0.6473% | 3,823 |
| Pretax return on assets | 0.9681% | 3,298 |
| Return on Equity (ROE) | 5.0500% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.0500% | 2,953 |
| Net charge-offs to loans | 0.0354% | 6,205 |
| Credit loss provision to net charge-offs | 275.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 46.1489% | 603 |
| Efficiency ratio | 75.3966% | 3,058 |
| Assets per employee ($millions) | 3.9541% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 6,997 |
| Loan loss allowance to noncurrent loans | 18.6012% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 2.4691% | 2,900 |
| Noncurrent loans to loans | 4.3143% | 1,688 |
| Net loans and leases to total assets | 52.8054% | 6,002 |
| Net loans and leases to deposits | 61.0305% | 6,207 |
| Net loans and leases to core deposits | 62.2780% | 6,438 |
| Total domestic deposits to total assets | 86.5230% | 2,795 |
| Equity capital to assets | 12.7085% | 1,751 |
| Core capital (leverage) ratio | 9.8486% | 3,434 |
| Tier 1 risk-based capital ratio | 13.1395% | 4,466 |
| Total risk-based capital ratio | 13.7270% | 4,979 |
| Memoranda: | ||
| Average total assets | $425,569,250 | 1,590 |
| Average earning assets | $353,380,000 | 1,721 |
| Average equity | $54,547,000 | 1,225 |
| Average total loans | $225,742,500 | 1,954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 6,513 |
| Cost of funding earning assets | 0.9764% | 6,254 |
| Net interest margin | 3.6051% | 4,789 |
| Noninterest income to average assets | 0.7461% | 2,422 |
| Noninterest expense to average assets | 2.8158% | 4,418 |
| Loan and lease loss provision to assets | 0.0446% | 6,528 |
| Net operating income to assets | 0.5412% | 4,137 |
| Return on assets (ROA) | 0.6193% | 3,921 |
| Pretax return on assets | 0.9888% | 3,158 |
| Return on Equity (ROE) | 4.8174% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.8174% | 3,001 |
| Net charge-offs to loans | 0.0179% | 6,090 |
| Credit loss provision to net charge-offs | 470.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 95.9500% | 344 |
| Efficiency ratio | 74.2610% | 3,419 |
| Assets per employee ($millions) | 3.9523% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 7,016 |
| Loan loss allowance to noncurrent loans | 47.9584% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,901 |
| Noncurrent loans to loans | 1.6849% | 4,163 |
| Net loans and leases to total assets | 51.5965% | 6,256 |
| Net loans and leases to deposits | 59.4516% | 6,460 |
| Net loans and leases to core deposits | 61.2256% | 6,618 |
| Total domestic deposits to total assets | 86.7874% | 2,656 |
| Equity capital to assets | 12.4193% | 1,854 |
| Core capital (leverage) ratio | 9.9959% | 3,167 |
| Tier 1 risk-based capital ratio | 13.3314% | 4,180 |
| Total risk-based capital ratio | 13.9367% | 4,677 |
| Memoranda: | ||
| Average total assets | $421,125,000 | 1,618 |
| Average earning assets | $348,231,330 | 1,755 |
| Average equity | $54,136,670 | 1,228 |
| Average total loans | $223,110,330 | 1,999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 6,389 |
| Cost of funding earning assets | 1.0016% | 6,372 |
| Net interest margin | 3.6542% | 4,468 |
| Noninterest income to average assets | 0.7227% | 2,447 |
| Noninterest expense to average assets | 2.8782% | 4,142 |
| Loan and lease loss provision to assets | 0.0310% | 6,367 |
| Net operating income to assets | 0.5208% | 4,285 |
| Return on assets (ROA) | 0.6034% | 4,027 |
| Pretax return on assets | 0.9720% | 3,198 |
| Return on Equity (ROE) | 4.6106% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.6106% | 3,373 |
| Net charge-offs to loans | 0.0544% | 4,860 |
| Credit loss provision to net charge-offs | 106.6667% | 3,222 |
| Earnings coverage of net charge-offs (x) | 30.0333% | 869 |
| Efficiency ratio | 76.7063% | 3,102 |
| Assets per employee ($millions) | 3.9108% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 7,121 |
| Loan loss allowance to noncurrent loans | 76.7100% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 5,557 |
| Noncurrent loans to loans | 1.0481% | 5,249 |
| Net loans and leases to total assets | 52.2437% | 6,245 |
| Net loans and leases to deposits | 60.5801% | 6,405 |
| Net loans and leases to core deposits | 62.4399% | 6,565 |
| Total domestic deposits to total assets | 86.2391% | 3,015 |
| Equity capital to assets | 13.0048% | 1,524 |
| Core capital (leverage) ratio | 10.3797% | 2,738 |
| Tier 1 risk-based capital ratio | 14.1234% | 3,583 |
| Total risk-based capital ratio | 14.7364% | 3,959 |
| Memoranda: | ||
| Average total assets | $412,335,500 | 1,692 |
| Average earning assets | $341,856,000 | 1,831 |
| Average equity | $53,963,000 | 1,239 |
| Average total loans | $220,565,500 | 2,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 6,329 |
| Cost of funding earning assets | 1.3984% | 5,941 |
| Net interest margin | 3.6348% | 4,406 |
| Noninterest income to average assets | 0.8188% | 2,313 |
| Noninterest expense to average assets | 2.9783% | 4,239 |
| Loan and lease loss provision to assets | 0.0706% | 6,872 |
| Net operating income to assets | 0.5524% | 3,514 |
| Return on assets (ROA) | 0.6336% | 3,264 |
| Pretax return on assets | 0.8054% | 3,228 |
| Return on Equity (ROE) | 4.8751% | 3,722 |
| Retained earnings to average equity (ytd only) | 4.8751% | 1,889 |
| Net charge-offs to loans | 0.0538% | 6,562 |
| Credit loss provision to net charge-offs | 242.6087% | 1,468 |
| Earnings coverage of net charge-offs (x) | 26.5739% | 849 |
| Efficiency ratio | 79.3876% | 2,975 |
| Assets per employee ($millions) | 3.7964% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 7,124 |
| Loan loss allowance to noncurrent loans | 16.1173% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 2.9807% | 2,353 |
| Noncurrent loans to loans | 4.9751% | 1,360 |
| Net loans and leases to total assets | 53.9055% | 6,212 |
| Net loans and leases to deposits | 62.5843% | 6,399 |
| Net loans and leases to core deposits | 67.6899% | 6,896 |
| Total domestic deposits to total assets | 86.1326% | 2,943 |
| Equity capital to assets | 13.1720% | 1,443 |
| Core capital (leverage) ratio | 10.1264% | 2,974 |
| Tier 1 risk-based capital ratio | 13.9609% | 3,520 |
| Total risk-based capital ratio | 14.5808% | 3,872 |
| Memoranda: | ||
| Average total assets | $395,198,400 | 1,739 |
| Average earning assets | $318,866,400 | 1,955 |
| Average equity | $51,362,600 | 1,303 |
| Average total loans | $213,798,400 | 2,157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 6,348 |
| Cost of funding earning assets | 1.4697% | 5,958 |
| Net interest margin | 3.6084% | 4,450 |
| Noninterest income to average assets | 0.8514% | 2,191 |
| Noninterest expense to average assets | 2.9180% | 4,372 |
| Loan and lease loss provision to assets | 0.0775% | 6,594 |
| Net operating income to assets | 0.6423% | 3,435 |
| Return on assets (ROA) | 0.7128% | 3,228 |
| Pretax return on assets | 0.8460% | 3,397 |
| Return on Equity (ROE) | 5.5035% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.5035% | 2,201 |
| Net charge-offs to loans | 0.0402% | 6,344 |
| Credit loss provision to net charge-offs | 356.2500% | 1,153 |
| Earnings coverage of net charge-offs (x) | 38.6099% | 770 |
| Efficiency ratio | 77.6582% | 3,218 |
| Assets per employee ($millions) | 3.7136% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 7,090 |
| Loan loss allowance to noncurrent loans | 62.3459% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 5,141 |
| Noncurrent loans to loans | 1.2965% | 4,776 |
| Net loans and leases to total assets | 53.1740% | 6,475 |
| Net loans and leases to deposits | 61.6221% | 6,710 |
| Net loans and leases to core deposits | 67.0208% | 7,115 |
| Total domestic deposits to total assets | 86.2905% | 2,546 |
| Equity capital to assets | 12.9342% | 1,724 |
| Core capital (leverage) ratio | 10.0743% | 3,207 |
| Tier 1 risk-based capital ratio | 14.0851% | 3,495 |
| Total risk-based capital ratio | 14.7182% | 3,812 |
| Memoranda: | ||
| Average total assets | $392,445,250 | 1,767 |
| Average earning assets | $316,068,500 | 1,993 |
| Average equity | $50,826,750 | 1,332 |
| Average total loans | $212,063,000 | 2,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 6,288 |
| Cost of funding earning assets | 1.5323% | 6,009 |
| Net interest margin | 3.6062% | 4,335 |
| Noninterest income to average assets | 0.7688% | 2,594 |
| Noninterest expense to average assets | 2.9863% | 4,142 |
| Loan and lease loss provision to assets | 0.0398% | 6,837 |
| Net operating income to assets | 0.4657% | 4,233 |
| Return on assets (ROA) | 0.5348% | 4,068 |
| Pretax return on assets | 0.7373% | 3,876 |
| Return on Equity (ROE) | 4.1270% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.1270% | 2,992 |
| Net charge-offs to loans | 0.0582% | 5,685 |
| Credit loss provision to net charge-offs | 126.2295% | 3,682 |
| Earnings coverage of net charge-offs (x) | 21.6557% | 1,253 |
| Efficiency ratio | 81.3970% | 2,817 |
| Assets per employee ($millions) | 3.5896% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 7,270 |
| Loan loss allowance to noncurrent loans | 86.8308% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,958 |
| Noncurrent loans to loans | 0.8757% | 5,468 |
| Net loans and leases to total assets | 53.1307% | 6,557 |
| Net loans and leases to deposits | 61.5463% | 6,772 |
| Net loans and leases to core deposits | 67.2050% | 7,162 |
| Total domestic deposits to total assets | 86.3264% | 2,610 |
| Equity capital to assets | 12.7952% | 1,793 |
| Core capital (leverage) ratio | 9.0994% | 4,467 |
| Tier 1 risk-based capital ratio | 11.6247% | 5,265 |
| Total risk-based capital ratio | 12.1756% | 5,899 |
| Memoranda: | ||
| Average total assets | $387,096,670 | 1,808 |
| Average earning assets | $311,296,670 | 2,045 |
| Average equity | $50,157,330 | 1,369 |
| Average total loans | $209,757,000 | 2,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 6,141 |
| Cost of funding earning assets | 1.6075% | 6,005 |
| Net interest margin | 3.6358% | 4,160 |
| Noninterest income to average assets | 0.7425% | 2,645 |
| Noninterest expense to average assets | 2.9322% | 4,045 |
| Loan and lease loss provision to assets | 0.0336% | 6,521 |
| Net operating income to assets | 0.4573% | 4,626 |
| Return on assets (ROA) | 0.4677% | 4,767 |
| Pretax return on assets | 0.7100% | 4,403 |
| Return on Equity (ROE) | 3.5863% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.5863% | 3,899 |
| Net charge-offs to loans | 0.0462% | 4,834 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | 28.9167% | 1,088 |
| Efficiency ratio | 80.1146% | 2,803 |
| Assets per employee ($millions) | 3.4358% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 7,245 |
| Loan loss allowance to noncurrent loans | 83.4109% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,645 |
| Noncurrent loans to loans | 0.9272% | 5,147 |
| Net loans and leases to total assets | 53.3344% | 6,548 |
| Net loans and leases to deposits | 61.7588% | 6,755 |
| Net loans and leases to core deposits | 67.3814% | 7,169 |
| Total domestic deposits to total assets | 86.3593% | 2,517 |
| Equity capital to assets | 12.8070% | 1,832 |
| Core capital (leverage) ratio | 8.8683% | 4,896 |
| Tier 1 risk-based capital ratio | 11.6742% | 5,229 |
| Total risk-based capital ratio | 12.2524% | 5,803 |
| Memoranda: | ||
| Average total assets | $381,422,000 | 1,836 |
| Average earning assets | $306,069,500 | 2,084 |
| Average equity | $49,745,000 | 1,381 |
| Average total loans | $207,976,000 | 2,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 7,293 |
| Cost of funding earning assets | 1.9264% | 6,655 |
| Net interest margin | 3.5777% | 4,982 |
| Noninterest income to average assets | 0.8006% | 2,510 |
| Noninterest expense to average assets | 2.8934% | 4,469 |
| Loan and lease loss provision to assets | 0.1126% | 5,931 |
| Net operating income to assets | 0.5435% | 4,557 |
| Return on assets (ROA) | 0.5760% | 4,280 |
| Pretax return on assets | 0.8147% | 4,012 |
| Return on Equity (ROE) | 4.0875% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.0875% | 2,588 |
| Net charge-offs to loans | 0.1104% | 5,170 |
| Credit loss provision to net charge-offs | 190.7317% | 2,580 |
| Earnings coverage of net charge-offs (x) | 14.9317% | 1,984 |
| Efficiency ratio | 76.6478% | 3,126 |
| Assets per employee ($millions) | 3.3747% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 7,192 |
| Loan loss allowance to noncurrent loans | 55.9387% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 4,823 |
| Noncurrent loans to loans | 1.3852% | 3,748 |
| Net loans and leases to total assets | 54.9024% | 6,560 |
| Net loans and leases to deposits | 63.8358% | 6,812 |
| Net loans and leases to core deposits | 70.5604% | 7,157 |
| Total domestic deposits to total assets | 86.0056% | 2,396 |
| Equity capital to assets | 13.2856% | 1,675 |
| Core capital (leverage) ratio | 9.0133% | 4,720 |
| Tier 1 risk-based capital ratio | 12.0095% | 4,815 |
| Total risk-based capital ratio | 12.5935% | 5,300 |
| Memoranda: | ||
| Average total assets | $347,239,400 | 1,916 |
| Average earning assets | $288,676,600 | 2,110 |
| Average equity | $48,929,400 | 1,395 |
| Average total loans | $185,628,000 | 2,445 |