Home > Webster Five Cents Savings Bank > Performance and Condition Ratios
Webster Five Cents 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 | 4.7797% | 2,513 |
| Cost of funding earning assets | 1.5227% | 1,887 |
| Net interest margin | 3.2570% | 2,741 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.4965% | 2,305 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7754% | 2,958 |
| Return on assets (ROA) | 0.7768% | 2,931 |
| Pretax return on assets | 0.9853% | 2,714 |
| Return on Equity (ROE) | 7.4600% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4600% | 1,729 |
| Net charge-offs to loans | 0.0134% | 2,156 |
| Credit loss provision to net charge-offs | 425.2101% | 754 |
| Earnings coverage of net charge-offs (x) | 100.8992% | 900 |
| Efficiency ratio | 70.9969% | 1,758 |
| Assets per employee ($millions) | 9.1096% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 3,759 |
| Loan loss allowance to noncurrent loans | 785.5300% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 2,953 |
| Noncurrent loans to loans | 0.1129% | 2,964 |
| Net loans and leases to total assets | 76.3000% | 1,078 |
| Net loans and leases to deposits | 99.5866% | 560 |
| Net loans and leases to core deposits | 105.1210% | 1,157 |
| Total domestic deposits to total assets | 76.6200% | 3,879 |
| Equity capital to assets | 10.3844% | 1,792 |
| Core capital (leverage) ratio | 11.5167% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,177,329,000 | 865 |
| Average earning assets | $1,098,816,000 | 849 |
| Average equity | $122,601,200 | 807 |
| Average total loans | $891,014,200 | 798 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 2,496 |
| Cost of funding earning assets | 1.3878% | 1,902 |
| Net interest margin | 3.2988% | 2,689 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4481% | 2,377 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8324% | 2,921 |
| Return on assets (ROA) | 0.8337% | 2,903 |
| Pretax return on assets | 1.0522% | 2,705 |
| Return on Equity (ROE) | 8.0000% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.9997% | 1,966 |
| Net charge-offs to loans | 0.0076% | 2,133 |
| Credit loss provision to net charge-offs | 1,038.0000% | 392 |
| Earnings coverage of net charge-offs (x) | 195.3200% | 609 |
| Efficiency ratio | 68.5566% | 1,958 |
| Assets per employee ($millions) | 8.7444% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 3,614 |
| Loan loss allowance to noncurrent loans | 445.5722% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 2,505 |
| Noncurrent loans to loans | 0.2098% | 2,514 |
| Net loans and leases to total assets | 76.1100% | 1,109 |
| Net loans and leases to deposits | 95.2436% | 803 |
| Net loans and leases to core deposits | 100.2858% | 1,302 |
| Total domestic deposits to total assets | 79.9200% | 3,540 |
| Equity capital to assets | 10.2441% | 1,675 |
| Core capital (leverage) ratio | 11.5495% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,159,657,250 | 877 |
| Average earning assets | $1,080,940,000 | 861 |
| Average equity | $120,851,750 | 812 |
| Average total loans | $873,574,250 | 807 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 2,493 |
| Cost of funding earning assets | 1.2266% | 1,914 |
| Net interest margin | 3.3391% | 2,666 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.3165% | 2,753 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9150% | 2,707 |
| Return on assets (ROA) | 0.9169% | 2,685 |
| Pretax return on assets | 1.1651% | 2,463 |
| Return on Equity (ROE) | 8.7500% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.7467% | 1,753 |
| Net charge-offs to loans | 0.0019% | 2,315 |
| Credit loss provision to net charge-offs | 7,575.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 905.6250% | 167 |
| Efficiency ratio | 64.7085% | 2,406 |
| Assets per employee ($millions) | 8.3062% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,454 |
| Loan loss allowance to noncurrent loans | 424.1379% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 2,309 |
| Noncurrent loans to loans | 0.2342% | 2,324 |
| Net loans and leases to total assets | 74.8500% | 1,187 |
| Net loans and leases to deposits | 94.9205% | 790 |
| Net loans and leases to core deposits | 97.5158% | 1,383 |
| Total domestic deposits to total assets | 78.8500% | 3,741 |
| Equity capital to assets | 10.5967% | 1,551 |
| Core capital (leverage) ratio | 11.7814% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,146,881,667 | 876 |
| Average earning assets | $1,068,611,000 | 860 |
| Average equity | $120,228,000 | 810 |
| Average total loans | $857,949,333 | 807 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 2,437 |
| Cost of funding earning assets | 0.9839% | 2,100 |
| Net interest margin | 3.4613% | 2,472 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.9436% | 1,153 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.5093% | 3,875 |
| Return on assets (ROA) | 0.5135% | 3,827 |
| Pretax return on assets | 0.5999% | 3,839 |
| Return on Equity (ROE) | 4.9300% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.9255% | 3,040 |
| Net charge-offs to loans | 0.0028% | 1,919 |
| Credit loss provision to net charge-offs | 9,633.3333% | 51 |
| Earnings coverage of net charge-offs (x) | 355.8333% | 319 |
| Efficiency ratio | 79.6976% | 857 |
| Assets per employee ($millions) | 8.5644% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,473 |
| Loan loss allowance to noncurrent loans | 394.9660% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,182 |
| Noncurrent loans to loans | 0.2557% | 2,229 |
| Net loans and leases to total assets | 74.3700% | 1,152 |
| Net loans and leases to deposits | 96.3265% | 631 |
| Net loans and leases to core deposits | 97.5387% | 1,205 |
| Total domestic deposits to total assets | 77.2100% | 4,068 |
| Equity capital to assets | 10.5512% | 1,543 |
| Core capital (leverage) ratio | 11.6337% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,138,885,500 | 897 |
| Average earning assets | $1,061,924,000 | 886 |
| Average equity | $118,729,000 | 830 |
| Average total loans | $847,364,000 | 828 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 2,266 |
| Cost of funding earning assets | 0.1802% | 3,906 |
| Net interest margin | 3.6246% | 1,576 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.7633% | 1,404 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8285% | 3,225 |
| Return on assets (ROA) | 0.8290% | 3,148 |
| Pretax return on assets | 1.0413% | 2,940 |
| Return on Equity (ROE) | 7.6000% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.5985% | 1,987 |
| Net charge-offs to loans | 0.0061% | 2,197 |
| Credit loss provision to net charge-offs | 1,463.8298% | 338 |
| Earnings coverage of net charge-offs (x) | 255.0638% | 543 |
| Efficiency ratio | 71.4524% | 1,506 |
| Assets per employee ($millions) | 8.2492% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,540 |
| Loan loss allowance to noncurrent loans | 308.0533% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 1,758 |
| Noncurrent loans to loans | 0.3788% | 1,781 |
| Net loans and leases to total assets | 72.8100% | 1,330 |
| Net loans and leases to deposits | 88.3774% | 1,149 |
| Net loans and leases to core deposits | 88.9557% | 1,557 |
| Total domestic deposits to total assets | 82.3800% | 3,557 |
| Equity capital to assets | 10.2969% | 1,556 |
| Core capital (leverage) ratio | 11.9297% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,085,835,800 | 913 |
| Average earning assets | $1,014,703,400 | 897 |
| Average equity | $118,471,400 | 826 |
| Average total loans | $776,474,600 | 834 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6659% | 2,147 |
| Cost of funding earning assets | 0.1386% | 3,953 |
| Net interest margin | 3.5272% | 1,581 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.7195% | 1,425 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7982% | 3,274 |
| Return on assets (ROA) | 0.7982% | 3,227 |
| Pretax return on assets | 1.0178% | 2,967 |
| Return on Equity (ROE) | 7.2100% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.2090% | 2,297 |
| Net charge-offs to loans | 0.0049% | 1,999 |
| Credit loss provision to net charge-offs | 1,278.5714% | 341 |
| Earnings coverage of net charge-offs (x) | 305.7857% | 467 |
| Efficiency ratio | 71.9131% | 1,525 |
| Assets per employee ($millions) | 7.7773% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,655 |
| Loan loss allowance to noncurrent loans | 637.1951% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 2,657 |
| Noncurrent loans to loans | 0.1847% | 2,660 |
| Net loans and leases to total assets | 72.5300% | 1,226 |
| Net loans and leases to deposits | 84.6382% | 1,259 |
| Net loans and leases to core deposits | 85.5101% | 1,556 |
| Total domestic deposits to total assets | 85.6900% | 3,140 |
| Equity capital to assets | 10.3617% | 1,439 |
| Core capital (leverage) ratio | 11.6065% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,074,759,500 | 927 |
| Average earning assets | $1,005,102,750 | 913 |
| Average equity | $118,997,000 | 839 |
| Average total loans | $762,460,500 | 842 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 2,159 |
| Cost of funding earning assets | 0.1254% | 3,909 |
| Net interest margin | 3.3709% | 1,686 |
| Noninterest income to average assets | 0.4759% | 2,324 |
| Noninterest expense to average assets | 2.7221% | 1,332 |
| Loan and lease loss provision to assets | 0.0742% | 1,301 |
| Net operating income to assets | 0.6637% | 3,433 |
| Return on assets (ROA) | 0.6637% | 3,383 |
| Pretax return on assets | 0.8358% | 3,237 |
| Return on Equity (ROE) | 5.8667% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.8667% | 2,380 |
| Net charge-offs to loans | 0.0061% | 1,777 |
| Credit loss provision to net charge-offs | 1,726.0870% | 271 |
| Earnings coverage of net charge-offs (x) | 211.6957% | 524 |
| Efficiency ratio | 74.9447% | 1,394 |
| Assets per employee ($millions) | 7.6729% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,540 |
| Loan loss allowance to noncurrent loans | 692.1612% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,820 |
| Noncurrent loans to loans | 0.1775% | 2,810 |
| Net loans and leases to total assets | 70.6994% | 1,234 |
| Net loans and leases to deposits | 81.3551% | 1,286 |
| Net loans and leases to core deposits | 82.2244% | 1,583 |
| Total domestic deposits to total assets | 86.9023% | 2,971 |
| Equity capital to assets | 10.8108% | 1,300 |
| Core capital (leverage) ratio | 11.7899% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,070,072,667 | 921 |
| Average earning assets | $1,001,934,667 | 914 |
| Average equity | $121,056,000 | 837 |
| Average total loans | $750,247,000 | 841 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3700% | 2,178 |
| Cost of funding earning assets | 0.1241% | 3,846 |
| Net interest margin | 3.2459% | 1,733 |
| Noninterest income to average assets | 0.4655% | 2,326 |
| Noninterest expense to average assets | 2.7090% | 1,337 |
| Loan and lease loss provision to assets | 0.0236% | 1,935 |
| Net operating income to assets | 0.6198% | 3,328 |
| Return on assets (ROA) | 0.6198% | 3,312 |
| Pretax return on assets | 0.7786% | 3,176 |
| Return on Equity (ROE) | 5.3595% | 3,524 |
| Retained earnings to average equity (ytd only) | 5.3595% | 2,457 |
| Net charge-offs to loans | 0.0103% | 1,388 |
| Credit loss provision to net charge-offs | 331.5789% | 639 |
| Earnings coverage of net charge-offs (x) | 112.7368% | 636 |
| Efficiency ratio | 77.1520% | 1,387 |
| Assets per employee ($millions) | 7.9093% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,703 |
| Loan loss allowance to noncurrent loans | 680.4478% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,926 |
| Noncurrent loans to loans | 0.1808% | 2,910 |
| Net loans and leases to total assets | 68.5706% | 1,153 |
| Net loans and leases to deposits | 78.1125% | 1,279 |
| Net loans and leases to core deposits | 78.9681% | 1,556 |
| Total domestic deposits to total assets | 87.7844% | 2,630 |
| Equity capital to assets | 11.2151% | 1,225 |
| Core capital (leverage) ratio | 11.8279% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,068,007,000 | 926 |
| Average earning assets | $1,002,132,000 | 918 |
| Average equity | $123,519,000 | 836 |
| Average total loans | $740,918,500 | 841 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 2,629 |
| Cost of funding earning assets | 0.1564% | 3,903 |
| Net interest margin | 3.3539% | 2,150 |
| Noninterest income to average assets | 0.6494% | 1,944 |
| Noninterest expense to average assets | 2.7938% | 1,377 |
| Loan and lease loss provision to assets | 0.0693% | 1,693 |
| Net operating income to assets | 0.7376% | 3,525 |
| Return on assets (ROA) | 0.7376% | 3,583 |
| Pretax return on assets | 0.9317% | 3,416 |
| Return on Equity (ROE) | 6.0013% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.0013% | 2,362 |
| Net charge-offs to loans | 0.0750% | 1,042 |
| Credit loss provision to net charge-offs | 125.4902% | 1,616 |
| Earnings coverage of net charge-offs (x) | 18.1230% | 1,917 |
| Efficiency ratio | 73.6217% | 1,351 |
| Assets per employee ($millions) | 7.6853% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,758 |
| Loan loss allowance to noncurrent loans | 494.5504% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,732 |
| Noncurrent loans to loans | 0.2478% | 2,738 |
| Net loans and leases to total assets | 68.4739% | 1,213 |
| Net loans and leases to deposits | 78.6775% | 1,332 |
| Net loans and leases to core deposits | 79.5678% | 1,636 |
| Total domestic deposits to total assets | 87.0311% | 2,509 |
| Equity capital to assets | 11.9155% | 1,291 |
| Core capital (leverage) ratio | 11.8341% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,015,661,800 | 948 |
| Average earning assets | $952,520,400 | 941 |
| Average equity | $124,840,400 | 829 |
| Average total loans | $747,876,400 | 834 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 2,753 |
| Cost of funding earning assets | 0.1646% | 3,976 |
| Net interest margin | 3.3626% | 2,259 |
| Noninterest income to average assets | 0.7159% | 1,771 |
| Noninterest expense to average assets | 2.8404% | 1,244 |
| Loan and lease loss provision to assets | 0.0779% | 1,509 |
| Net operating income to assets | 0.7488% | 3,658 |
| Return on assets (ROA) | 0.7488% | 3,721 |
| Pretax return on assets | 0.9485% | 3,587 |
| Return on Equity (ROE) | 6.0425% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.0425% | 2,799 |
| Net charge-offs to loans | 0.0886% | 811 |
| Credit loss provision to net charge-offs | 117.6707% | 1,473 |
| Earnings coverage of net charge-offs (x) | 15.4980% | 1,862 |
| Efficiency ratio | 73.4549% | 1,264 |
| Assets per employee ($millions) | 7.1401% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,869 |
| Loan loss allowance to noncurrent loans | 490.8052% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,930 |
| Noncurrent loans to loans | 0.2495% | 2,941 |
| Net loans and leases to total assets | 70.2862% | 1,055 |
| Net loans and leases to deposits | 81.0418% | 1,184 |
| Net loans and leases to core deposits | 82.0384% | 1,570 |
| Total domestic deposits to total assets | 86.7283% | 2,453 |
| Equity capital to assets | 12.1933% | 1,315 |
| Core capital (leverage) ratio | 11.6985% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,002,513,000 | 974 |
| Average earning assets | $939,414,250 | 966 |
| Average equity | $124,228,500 | 847 |
| Average total loans | $749,707,500 | 850 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 2,727 |
| Cost of funding earning assets | 0.1729% | 4,013 |
| Net interest margin | 3.3947% | 2,154 |
| Noninterest income to average assets | 0.7015% | 1,803 |
| Noninterest expense to average assets | 2.8341% | 1,281 |
| Loan and lease loss provision to assets | 0.0200% | 2,564 |
| Net operating income to assets | 0.8064% | 3,491 |
| Return on assets (ROA) | 0.8064% | 3,566 |
| Pretax return on assets | 1.0283% | 3,376 |
| Return on Equity (ROE) | 6.4714% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.4714% | 2,632 |
| Net charge-offs to loans | 0.1252% | 624 |
| Credit loss provision to net charge-offs | 20.9746% | 1,728 |
| Earnings coverage of net charge-offs (x) | 11.0106% | 1,781 |
| Efficiency ratio | 72.9998% | 1,337 |
| Assets per employee ($millions) | 7.1625% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 3,031 |
| Loan loss allowance to noncurrent loans | 540.7454% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 2,256 |
| Noncurrent loans to loans | 0.2189% | 3,168 |
| Net loans and leases to total assets | 70.7502% | 1,120 |
| Net loans and leases to deposits | 81.8161% | 1,245 |
| Net loans and leases to core deposits | 82.9744% | 1,641 |
| Total domestic deposits to total assets | 86.4747% | 2,560 |
| Equity capital to assets | 12.4427% | 1,157 |
| Core capital (leverage) ratio | 12.0875% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $991,581,000 | 975 |
| Average earning assets | $929,105,333 | 963 |
| Average equity | $123,558,667 | 851 |
| Average total loans | $754,043,333 | 847 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 3,024 |
| Cost of funding earning assets | 0.1913% | 3,996 |
| Net interest margin | 3.2743% | 2,468 |
| Noninterest income to average assets | 0.7846% | 1,624 |
| Noninterest expense to average assets | 2.7687% | 1,438 |
| Loan and lease loss provision to assets | 0.2195% | 530 |
| Net operating income to assets | 0.6930% | 3,724 |
| Return on assets (ROA) | 0.6930% | 3,788 |
| Pretax return on assets | 0.8693% | 3,674 |
| Return on Equity (ROE) | 5.5572% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.5572% | 3,047 |
| Net charge-offs to loans | 0.0005% | 1,924 |
| Credit loss provision to net charge-offs | 53,900.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,674.0000% | 21 |
| Efficiency ratio | 71.7754% | 1,520 |
| Assets per employee ($millions) | 7.0801% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,756 |
| Loan loss allowance to noncurrent loans | 238.9253% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 2,216 |
| Noncurrent loans to loans | 0.5153% | 2,310 |
| Net loans and leases to total assets | 76.1089% | 621 |
| Net loans and leases to deposits | 87.7338% | 850 |
| Net loans and leases to core deposits | 89.3205% | 1,269 |
| Total domestic deposits to total assets | 86.7498% | 2,422 |
| Equity capital to assets | 12.2958% | 1,152 |
| Core capital (leverage) ratio | 12.0750% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $982,413,500 | 971 |
| Average earning assets | $921,971,000 | 958 |
| Average equity | $122,507,500 | 850 |
| Average total loans | $769,526,000 | 833 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 3,315 |
| Cost of funding earning assets | 0.4286% | 3,414 |
| Net interest margin | 3.3677% | 2,875 |
| Noninterest income to average assets | 0.8910% | 1,290 |
| Noninterest expense to average assets | 2.8583% | 1,793 |
| Loan and lease loss provision to assets | 0.3064% | 1,226 |
| Net operating income to assets | 0.7124% | 3,392 |
| Return on assets (ROA) | 0.7128% | 3,526 |
| Pretax return on assets | 0.8893% | 3,394 |
| Return on Equity (ROE) | 5.7196% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.7196% | 1,947 |
| Net charge-offs to loans | 0.2057% | 846 |
| Credit loss provision to net charge-offs | 188.2736% | 2,221 |
| Earnings coverage of net charge-offs (x) | 7.3440% | 2,704 |
| Efficiency ratio | 70.5168% | 1,880 |
| Assets per employee ($millions) | 6.7589% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,161 |
| Loan loss allowance to noncurrent loans | 211.7828% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 2,270 |
| Noncurrent loans to loans | 0.5479% | 2,339 |
| Net loans and leases to total assets | 78.7203% | 524 |
| Net loans and leases to deposits | 92.6954% | 737 |
| Net loans and leases to core deposits | 94.3979% | 1,218 |
| Total domestic deposits to total assets | 84.9236% | 2,794 |
| Equity capital to assets | 12.6500% | 1,258 |
| Core capital (leverage) ratio | 12.0788% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $943,214,800 | 931 |
| Average earning assets | $885,706,400 | 917 |
| Average equity | $117,542,600 | 836 |
| Average total loans | $746,206,200 | 831 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 3,397 |
| Cost of funding earning assets | 0.4902% | 3,287 |
| Net interest margin | 3.3655% | 3,007 |
| Noninterest income to average assets | 0.9520% | 1,117 |
| Noninterest expense to average assets | 2.9124% | 1,672 |
| Loan and lease loss provision to assets | 0.1920% | 2,070 |
| Net operating income to assets | 0.8003% | 3,087 |
| Return on assets (ROA) | 0.8006% | 3,207 |
| Pretax return on assets | 1.0102% | 3,033 |
| Return on Equity (ROE) | 6.4498% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.4498% | 1,905 |
| Net charge-offs to loans | -0.0005% | 3,785 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7900% | 1,775 |
| Assets per employee ($millions) | 6.7753% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,987 |
| Loan loss allowance to noncurrent loans | 501.4599% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 3,524 |
| Noncurrent loans to loans | 0.2271% | 3,489 |
| Net loans and leases to total assets | 78.9346% | 719 |
| Net loans and leases to deposits | 99.9331% | 537 |
| Net loans and leases to core deposits | 101.4445% | 1,065 |
| Total domestic deposits to total assets | 78.9874% | 4,061 |
| Equity capital to assets | 12.2930% | 1,522 |
| Core capital (leverage) ratio | 11.7235% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $937,386,750 | 926 |
| Average earning assets | $880,770,000 | 908 |
| Average equity | $116,361,750 | 844 |
| Average total loans | $740,311,250 | 834 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 3,555 |
| Cost of funding earning assets | 0.5915% | 3,009 |
| Net interest margin | 3.3317% | 3,303 |
| Noninterest income to average assets | 0.9083% | 1,148 |
| Noninterest expense to average assets | 2.9665% | 1,665 |
| Loan and lease loss provision to assets | 0.1284% | 2,743 |
| Net operating income to assets | 0.7534% | 3,208 |
| Return on assets (ROA) | 0.7539% | 3,321 |
| Pretax return on assets | 0.9432% | 3,197 |
| Return on Equity (ROE) | 6.0526% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.0526% | 2,058 |
| Net charge-offs to loans | -0.0006% | 3,729 |
| Credit loss provision to net charge-offs | -29,600.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4708% | 1,512 |
| Assets per employee ($millions) | 6.7363% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,262 |
| Loan loss allowance to noncurrent loans | 506.6336% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 3,694 |
| Noncurrent loans to loans | 0.2101% | 3,632 |
| Net loans and leases to total assets | 78.3149% | 815 |
| Net loans and leases to deposits | 97.9296% | 660 |
| Net loans and leases to core deposits | 99.4720% | 1,295 |
| Total domestic deposits to total assets | 79.9707% | 3,841 |
| Equity capital to assets | 12.1792% | 1,549 |
| Core capital (leverage) ratio | 11.9710% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $922,378,333 | 922 |
| Average earning assets | $866,332,667 | 903 |
| Average equity | $114,893,000 | 849 |
| Average total loans | $725,617,000 | 835 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,476 |
| Cost of funding earning assets | 0.7171% | 2,859 |
| Net interest margin | 3.3996% | 3,299 |
| Noninterest income to average assets | 0.9126% | 1,045 |
| Noninterest expense to average assets | 3.0801% | 1,690 |
| Loan and lease loss provision to assets | 0.0463% | 3,198 |
| Net operating income to assets | 0.7855% | 2,953 |
| Return on assets (ROA) | 0.7866% | 3,038 |
| Pretax return on assets | 0.9851% | 2,887 |
| Return on Equity (ROE) | 6.2400% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.2400% | 1,790 |
| Net charge-offs to loans | 0.0040% | 2,436 |
| Credit loss provision to net charge-offs | 1,485.7143% | 451 |
| Earnings coverage of net charge-offs (x) | 330.5714% | 208 |
| Efficiency ratio | 74.9458% | 1,691 |
| Assets per employee ($millions) | 6.1598% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,183 |
| Loan loss allowance to noncurrent loans | 470.8589% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 3,765 |
| Noncurrent loans to loans | 0.2344% | 3,648 |
| Net loans and leases to total assets | 76.4556% | 1,221 |
| Net loans and leases to deposits | 96.3918% | 872 |
| Net loans and leases to core deposits | 105.0847% | 1,110 |
| Total domestic deposits to total assets | 79.3175% | 3,989 |
| Equity capital to assets | 12.7185% | 1,608 |
| Core capital (leverage) ratio | 12.5094% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $898,554,000 | 910 |
| Average earning assets | $845,036,000 | 896 |
| Average equity | $113,268,500 | 848 |
| Average total loans | $704,501,500 | 833 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 3,311 |
| Cost of funding earning assets | 0.8370% | 2,501 |
| Net interest margin | 3.5396% | 3,316 |
| Noninterest income to average assets | 0.7669% | 1,558 |
| Noninterest expense to average assets | 3.0550% | 1,861 |
| Loan and lease loss provision to assets | 0.1077% | 1,931 |
| Net operating income to assets | 0.7453% | 3,718 |
| Return on assets (ROA) | 0.7901% | 3,661 |
| Pretax return on assets | 0.9883% | 3,490 |
| Return on Equity (ROE) | 6.3955% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.3955% | 1,670 |
| Net charge-offs to loans | 0.0196% | 3,032 |
| Credit loss provision to net charge-offs | 692.6471% | 459 |
| Earnings coverage of net charge-offs (x) | 66.9118% | 911 |
| Efficiency ratio | 74.6044% | 1,539 |
| Assets per employee ($millions) | 5.9064% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,160 |
| Loan loss allowance to noncurrent loans | 433.5240% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,653 |
| Noncurrent loans to loans | 0.2449% | 3,567 |
| Net loans and leases to total assets | 78.6566% | 982 |
| Net loans and leases to deposits | 103.9421% | 378 |
| Net loans and leases to core deposits | 113.2024% | 704 |
| Total domestic deposits to total assets | 75.6735% | 4,638 |
| Equity capital to assets | 12.4926% | 1,820 |
| Core capital (leverage) ratio | 12.2881% | 1,603 |
| Tier 1 risk-based capital ratio | 14.8788% | 2,832 |
| Total risk-based capital ratio | 15.9120% | 2,841 |
| Memoranda: | ||
| Average total assets | $875,054,000 | 899 |
| Average earning assets | $822,742,200 | 881 |
| Average equity | $108,107,200 | 841 |
| Average total loans | $695,339,000 | 814 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 3,357 |
| Cost of funding earning assets | 0.8382% | 2,518 |
| Net interest margin | 3.5612% | 3,366 |
| Noninterest income to average assets | 0.6780% | 1,875 |
| Noninterest expense to average assets | 3.0302% | 1,886 |
| Loan and lease loss provision to assets | 0.0959% | 1,996 |
| Net operating income to assets | 0.7193% | 3,953 |
| Return on assets (ROA) | 0.7779% | 3,816 |
| Pretax return on assets | 0.9716% | 3,678 |
| Return on Equity (ROE) | 6.3145% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.3145% | 2,215 |
| Net charge-offs to loans | 0.0195% | 2,724 |
| Credit loss provision to net charge-offs | 618.8119% | 528 |
| Earnings coverage of net charge-offs (x) | 64.1897% | 1,020 |
| Efficiency ratio | 75.2944% | 1,419 |
| Assets per employee ($millions) | 5.7674% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,304 |
| Loan loss allowance to noncurrent loans | 341.5730% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 3,601 |
| Noncurrent loans to loans | 0.3067% | 3,432 |
| Net loans and leases to total assets | 78.0997% | 1,125 |
| Net loans and leases to deposits | 99.8839% | 647 |
| Net loans and leases to core deposits | 109.9269% | 954 |
| Total domestic deposits to total assets | 78.1904% | 4,310 |
| Equity capital to assets | 12.5603% | 1,867 |
| Core capital (leverage) ratio | 12.3703% | 1,644 |
| Tier 1 risk-based capital ratio | 15.2578% | 2,737 |
| Total risk-based capital ratio | 16.2954% | 2,755 |
| Memoranda: | ||
| Average total assets | $869,373,250 | 903 |
| Average earning assets | $816,933,250 | 885 |
| Average equity | $107,095,000 | 849 |
| Average total loans | $690,739,000 | 818 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 3,482 |
| Cost of funding earning assets | 0.8400% | 2,446 |
| Net interest margin | 3.5123% | 3,562 |
| Noninterest income to average assets | 0.6661% | 1,850 |
| Noninterest expense to average assets | 3.0767% | 1,801 |
| Loan and lease loss provision to assets | 0.1121% | 1,673 |
| Net operating income to assets | 0.6300% | 4,219 |
| Return on assets (ROA) | 0.7165% | 4,009 |
| Pretax return on assets | 0.8871% | 3,882 |
| Return on Equity (ROE) | 5.8555% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.8555% | 2,349 |
| Net charge-offs to loans | 0.0067% | 2,910 |
| Credit loss provision to net charge-offs | 2,108.6957% | 175 |
| Earnings coverage of net charge-offs (x) | 167.8261% | 453 |
| Efficiency ratio | 77.5240% | 1,215 |
| Assets per employee ($millions) | 5.6390% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,479 |
| Loan loss allowance to noncurrent loans | 372.6945% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,691 |
| Noncurrent loans to loans | 0.2750% | 3,545 |
| Net loans and leases to total assets | 79.4146% | 982 |
| Net loans and leases to deposits | 106.0798% | 336 |
| Net loans and leases to core deposits | 115.2230% | 720 |
| Total domestic deposits to total assets | 74.8631% | 4,777 |
| Equity capital to assets | 12.3289% | 1,956 |
| Core capital (leverage) ratio | 12.1472% | 1,726 |
| Tier 1 risk-based capital ratio | 15.0349% | 2,828 |
| Total risk-based capital ratio | 16.0676% | 2,835 |
| Memoranda: | ||
| Average total assets | $865,029,000 | 905 |
| Average earning assets | $813,376,670 | 887 |
| Average equity | $105,849,000 | 851 |
| Average total loans | $688,834,670 | 824 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 3,484 |
| Cost of funding earning assets | 0.8146% | 2,449 |
| Net interest margin | 3.5103% | 3,567 |
| Noninterest income to average assets | 0.6454% | 1,835 |
| Noninterest expense to average assets | 3.0691% | 1,806 |
| Loan and lease loss provision to assets | 0.0317% | 2,990 |
| Net operating income to assets | 0.6847% | 3,989 |
| Return on assets (ROA) | 0.6851% | 4,025 |
| Pretax return on assets | 0.8446% | 3,933 |
| Return on Equity (ROE) | 5.6205% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.6205% | 2,624 |
| Net charge-offs to loans | 0.0006% | 2,735 |
| Credit loss provision to net charge-offs | 6,800.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,878.0000% | 18 |
| Efficiency ratio | 77.7896% | 1,291 |
| Assets per employee ($millions) | 5.7354% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,700 |
| Loan loss allowance to noncurrent loans | 251.5263% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,342 |
| Noncurrent loans to loans | 0.3981% | 3,163 |
| Net loans and leases to total assets | 78.0790% | 1,131 |
| Net loans and leases to deposits | 104.6811% | 373 |
| Net loans and leases to core deposits | 111.8472% | 839 |
| Total domestic deposits to total assets | 74.5875% | 4,886 |
| Equity capital to assets | 12.2340% | 1,889 |
| Core capital (leverage) ratio | 12.2642% | 1,625 |
| Tier 1 risk-based capital ratio | 15.4225% | 2,689 |
| Total risk-based capital ratio | 16.4397% | 2,710 |
| Memoranda: | ||
| Average total assets | $857,702,500 | 914 |
| Average earning assets | $806,305,500 | 894 |
| Average equity | $104,546,000 | 854 |
| Average total loans | $680,337,000 | 836 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 3,566 |
| Cost of funding earning assets | 0.6300% | 2,523 |
| Net interest margin | 3.5250% | 3,618 |
| Noninterest income to average assets | 0.6046% | 2,268 |
| Noninterest expense to average assets | 3.0731% | 1,865 |
| Loan and lease loss provision to assets | 0.1127% | 1,958 |
| Net operating income to assets | 0.5854% | 4,462 |
| Return on assets (ROA) | 0.7734% | 3,904 |
| Pretax return on assets | 0.9579% | 3,731 |
| Return on Equity (ROE) | 6.3169% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.3169% | 2,025 |
| Net charge-offs to loans | 0.0798% | 1,991 |
| Credit loss provision to net charge-offs | 178.0769% | 1,589 |
| Earnings coverage of net charge-offs (x) | 13.2481% | 2,477 |
| Efficiency ratio | 78.5661% | 1,078 |
| Assets per employee ($millions) | 5.7004% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,698 |
| Loan loss allowance to noncurrent loans | 247.7863% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 3,268 |
| Noncurrent loans to loans | 0.4033% | 3,083 |
| Net loans and leases to total assets | 78.9846% | 1,099 |
| Net loans and leases to deposits | 105.6913% | 386 |
| Net loans and leases to core deposits | 113.0198% | 832 |
| Total domestic deposits to total assets | 74.7314% | 4,898 |
| Equity capital to assets | 12.1433% | 1,791 |
| Core capital (leverage) ratio | 12.3354% | 1,545 |
| Tier 1 risk-based capital ratio | 15.5193% | 2,609 |
| Total risk-based capital ratio | 16.5475% | 2,625 |
| Memoranda: | ||
| Average total assets | $821,587,000 | 934 |
| Average earning assets | $770,757,600 | 914 |
| Average equity | $100,587,400 | 850 |
| Average total loans | $651,282,200 | 837 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,587 |
| Cost of funding earning assets | 0.5945% | 2,510 |
| Net interest margin | 3.5194% | 3,632 |
| Noninterest income to average assets | 0.5979% | 2,321 |
| Noninterest expense to average assets | 3.0761% | 1,825 |
| Loan and lease loss provision to assets | 0.1137% | 1,785 |
| Net operating income to assets | 0.5756% | 4,571 |
| Return on assets (ROA) | 0.8295% | 3,824 |
| Pretax return on assets | 1.0228% | 3,653 |
| Return on Equity (ROE) | 6.7606% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.7606% | 2,256 |
| Net charge-offs to loans | 0.0771% | 1,750 |
| Credit loss provision to net charge-offs | 186.3271% | 1,467 |
| Earnings coverage of net charge-offs (x) | 13.4826% | 2,354 |
| Efficiency ratio | 78.8977% | 1,036 |
| Assets per employee ($millions) | 5.5765% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,656 |
| Loan loss allowance to noncurrent loans | 216.3701% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,136 |
| Noncurrent loans to loans | 0.4700% | 2,981 |
| Net loans and leases to total assets | 79.4111% | 1,107 |
| Net loans and leases to deposits | 106.9396% | 402 |
| Net loans and leases to core deposits | 114.6901% | 780 |
| Total domestic deposits to total assets | 74.2579% | 4,952 |
| Equity capital to assets | 12.2996% | 1,698 |
| Core capital (leverage) ratio | 12.2860% | 1,627 |
| Tier 1 risk-based capital ratio | 15.4389% | 2,676 |
| Total risk-based capital ratio | 16.4619% | 2,704 |
| Memoranda: | ||
| Average total assets | $814,644,000 | 938 |
| Average earning assets | $764,092,750 | 921 |
| Average equity | $99,949,250 | 844 |
| Average total loans | $644,694,000 | 845 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,649 |
| Cost of funding earning assets | 0.5545% | 2,573 |
| Net interest margin | 3.4854% | 3,687 |
| Noninterest income to average assets | 0.5622% | 2,512 |
| Noninterest expense to average assets | 3.0934% | 1,807 |
| Loan and lease loss provision to assets | 0.1351% | 1,458 |
| Net operating income to assets | 0.4925% | 4,764 |
| Return on assets (ROA) | 0.8729% | 3,577 |
| Pretax return on assets | 1.0724% | 3,426 |
| Return on Equity (ROE) | 7.1204% | 3,866 |
| Retained earnings to average equity (ytd only) | 7.1204% | 2,019 |
| Net charge-offs to loans | 0.0646% | 1,698 |
| Credit loss provision to net charge-offs | 265.2174% | 1,099 |
| Earnings coverage of net charge-offs (x) | 14.4879% | 2,096 |
| Efficiency ratio | 80.7423% | 936 |
| Assets per employee ($millions) | 5.3792% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,657 |
| Loan loss allowance to noncurrent loans | 202.5974% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 3,123 |
| Noncurrent loans to loans | 0.5076% | 2,895 |
| Net loans and leases to total assets | 78.4337% | 1,250 |
| Net loans and leases to deposits | 108.6131% | 328 |
| Net loans and leases to core deposits | 116.7929% | 677 |
| Total domestic deposits to total assets | 72.2139% | 5,166 |
| Equity capital to assets | 12.1615% | 1,741 |
| Core capital (leverage) ratio | 12.2531% | 1,569 |
| Tier 1 risk-based capital ratio | 15.5902% | 2,590 |
| Total risk-based capital ratio | 16.6422% | 2,619 |
| Memoranda: | ||
| Average total assets | $812,944,670 | 944 |
| Average earning assets | $762,485,670 | 921 |
| Average equity | $99,657,330 | 849 |
| Average total loans | $640,374,000 | 851 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 3,623 |
| Cost of funding earning assets | 0.5155% | 2,672 |
| Net interest margin | 3.4807% | 3,603 |
| Noninterest income to average assets | 0.5798% | 2,367 |
| Noninterest expense to average assets | 3.0994% | 1,824 |
| Loan and lease loss provision to assets | 0.1178% | 1,600 |
| Net operating income to assets | 0.5077% | 4,676 |
| Return on assets (ROA) | 1.2591% | 1,787 |
| Pretax return on assets | 1.5680% | 1,476 |
| Return on Equity (ROE) | 10.2293% | 2,322 |
| Retained earnings to average equity (ytd only) | 10.2293% | 1,094 |
| Net charge-offs to loans | 0.0164% | 2,187 |
| Credit loss provision to net charge-offs | 915.3846% | 368 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 860 |
| Efficiency ratio | 80.5870% | 1,079 |
| Assets per employee ($millions) | 5.5519% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,813 |
| Loan loss allowance to noncurrent loans | 165.8180% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 2,870 |
| Noncurrent loans to loans | 0.6183% | 2,686 |
| Net loans and leases to total assets | 78.3461% | 1,187 |
| Net loans and leases to deposits | 103.7221% | 494 |
| Net loans and leases to core deposits | 111.4354% | 920 |
| Total domestic deposits to total assets | 75.5346% | 5,014 |
| Equity capital to assets | 12.2485% | 1,636 |
| Core capital (leverage) ratio | 12.3113% | 1,471 |
| Tier 1 risk-based capital ratio | 15.7661% | 2,566 |
| Total risk-based capital ratio | 16.8200% | 2,583 |
| Memoranda: | ||
| Average total assets | $807,906,000 | 954 |
| Average earning assets | $758,132,500 | 932 |
| Average equity | $99,440,000 | 854 |
| Average total loans | $634,443,500 | 861 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 3,574 |
| Cost of funding earning assets | 0.4490% | 2,787 |
| Net interest margin | 3.5000% | 3,531 |
| Noninterest income to average assets | 0.6182% | 2,358 |
| Noninterest expense to average assets | 2.9421% | 2,308 |
| Loan and lease loss provision to assets | 0.0328% | 3,609 |
| Net operating income to assets | 0.5824% | 4,090 |
| Return on assets (ROA) | 0.6525% | 3,846 |
| Pretax return on assets | 1.0325% | 3,450 |
| Return on Equity (ROE) | 5.3722% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.3722% | 1,883 |
| Net charge-offs to loans | 0.0411% | 2,964 |
| Credit loss provision to net charge-offs | 101.9608% | 2,513 |
| Earnings coverage of net charge-offs (x) | 29.7255% | 1,558 |
| Efficiency ratio | 75.4812% | 1,695 |
| Assets per employee ($millions) | 5.7517% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,847 |
| Loan loss allowance to noncurrent loans | 143.6696% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 2,687 |
| Noncurrent loans to loans | 0.7064% | 2,441 |
| Net loans and leases to total assets | 77.1064% | 1,409 |
| Net loans and leases to deposits | 105.3161% | 429 |
| Net loans and leases to core deposits | 113.5837% | 815 |
| Total domestic deposits to total assets | 73.2142% | 5,241 |
| Equity capital to assets | 12.3686% | 1,589 |
| Core capital (leverage) ratio | 12.0626% | 1,569 |
| Tier 1 risk-based capital ratio | 15.2121% | 2,743 |
| Total risk-based capital ratio | 16.3660% | 2,724 |
| Memoranda: | ||
| Average total assets | $793,130,800 | 938 |
| Average earning assets | $743,199,000 | 927 |
| Average equity | $96,330,000 | 853 |
| Average total loans | $620,682,800 | 843 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,558 |
| Cost of funding earning assets | 0.4425% | 2,784 |
| Net interest margin | 3.4971% | 3,510 |
| Noninterest income to average assets | 0.6168% | 2,384 |
| Noninterest expense to average assets | 2.9227% | 2,330 |
| Loan and lease loss provision to assets | 0.0584% | 2,916 |
| Net operating income to assets | 0.6492% | 4,193 |
| Return on assets (ROA) | 0.7653% | 3,724 |
| Pretax return on assets | 1.0773% | 3,393 |
| Return on Equity (ROE) | 6.3305% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.3305% | 2,041 |
| Net charge-offs to loans | 0.0276% | 2,889 |
| Credit loss provision to net charge-offs | 270.3125% | 1,066 |
| Earnings coverage of net charge-offs (x) | 45.0084% | 1,202 |
| Efficiency ratio | 75.0401% | 1,735 |
| Assets per employee ($millions) | 5.6202% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,767 |
| Loan loss allowance to noncurrent loans | 139.2676% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 2,686 |
| Noncurrent loans to loans | 0.7566% | 2,468 |
| Net loans and leases to total assets | 77.4139% | 1,364 |
| Net loans and leases to deposits | 103.9914% | 498 |
| Net loans and leases to core deposits | 113.8658% | 848 |
| Total domestic deposits to total assets | 74.4426% | 5,194 |
| Equity capital to assets | 12.3519% | 1,742 |
| Core capital (leverage) ratio | 12.0205% | 1,674 |
| Tier 1 risk-based capital ratio | 15.3342% | 2,780 |
| Total risk-based capital ratio | 16.4815% | 2,754 |
| Memoranda: | ||
| Average total assets | $790,105,250 | 948 |
| Average earning assets | $740,627,250 | 935 |
| Average equity | $95,513,500 | 861 |
| Average total loans | $619,040,500 | 850 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 3,531 |
| Cost of funding earning assets | 0.4182% | 2,907 |
| Net interest margin | 3.4888% | 3,448 |
| Noninterest income to average assets | 0.6042% | 2,435 |
| Noninterest expense to average assets | 2.9348% | 2,311 |
| Loan and lease loss provision to assets | 0.0790% | 2,406 |
| Net operating income to assets | 0.6135% | 4,244 |
| Return on assets (ROA) | 0.7785% | 3,547 |
| Pretax return on assets | 1.0942% | 3,207 |
| Return on Equity (ROE) | 6.4873% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.4873% | 1,852 |
| Net charge-offs to loans | 0.0424% | 2,346 |
| Credit loss provision to net charge-offs | 237.4046% | 1,119 |
| Earnings coverage of net charge-offs (x) | 28.2748% | 1,508 |
| Efficiency ratio | 75.7258% | 1,765 |
| Assets per employee ($millions) | 5.4437% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,872 |
| Loan loss allowance to noncurrent loans | 123.0943% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 2,552 |
| Noncurrent loans to loans | 0.8497% | 2,281 |
| Net loans and leases to total assets | 77.3207% | 1,343 |
| Net loans and leases to deposits | 108.7184% | 293 |
| Net loans and leases to core deposits | 119.6180% | 572 |
| Total domestic deposits to total assets | 71.1202% | 5,502 |
| Equity capital to assets | 12.0827% | 1,874 |
| Core capital (leverage) ratio | 11.8105% | 1,757 |
| Tier 1 risk-based capital ratio | 15.0365% | 2,908 |
| Total risk-based capital ratio | 16.1329% | 2,906 |
| Memoranda: | ||
| Average total assets | $787,452,670 | 955 |
| Average earning assets | $738,365,670 | 944 |
| Average equity | $94,492,670 | 869 |
| Average total loans | $617,257,000 | 856 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 3,563 |
| Cost of funding earning assets | 0.3915% | 3,088 |
| Net interest margin | 3.4649% | 3,405 |
| Noninterest income to average assets | 0.5577% | 2,621 |
| Noninterest expense to average assets | 2.9221% | 2,392 |
| Loan and lease loss provision to assets | 0.1844% | 927 |
| Net operating income to assets | 0.5085% | 4,565 |
| Return on assets (ROA) | 0.7482% | 3,535 |
| Pretax return on assets | 1.0340% | 3,221 |
| Return on Equity (ROE) | 6.2573% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.2573% | 2,211 |
| Net charge-offs to loans | 0.0548% | 1,792 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,479 |
| Efficiency ratio | 76.7451% | 1,795 |
| Assets per employee ($millions) | 5.5340% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,935 |
| Loan loss allowance to noncurrent loans | 119.6538% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 2,550 |
| Noncurrent loans to loans | 0.8853% | 2,260 |
| Net loans and leases to total assets | 77.7759% | 1,166 |
| Net loans and leases to deposits | 107.7738% | 265 |
| Net loans and leases to core deposits | 118.5796% | 501 |
| Total domestic deposits to total assets | 72.1659% | 5,532 |
| Equity capital to assets | 11.8482% | 1,943 |
| Core capital (leverage) ratio | 11.8866% | 1,700 |
| Tier 1 risk-based capital ratio | 15.1924% | 2,876 |
| Total risk-based capital ratio | 16.3272% | 2,861 |
| Memoranda: | ||
| Average total assets | $781,069,500 | 963 |
| Average earning assets | $732,613,500 | 948 |
| Average equity | $93,395,000 | 876 |
| Average total loans | $613,248,000 | 857 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,492 |
| Cost of funding earning assets | 0.3831% | 3,173 |
| Net interest margin | 3.5379% | 3,296 |
| Noninterest income to average assets | 0.6399% | 2,460 |
| Noninterest expense to average assets | 2.9807% | 2,404 |
| Loan and lease loss provision to assets | 0.1015% | 2,346 |
| Net operating income to assets | 0.6351% | 4,070 |
| Return on assets (ROA) | 0.6412% | 4,147 |
| Pretax return on assets | 0.8834% | 3,899 |
| Return on Equity (ROE) | 5.2463% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.2463% | 2,167 |
| Net charge-offs to loans | 0.0517% | 3,005 |
| Credit loss provision to net charge-offs | 252.6846% | 1,144 |
| Earnings coverage of net charge-offs (x) | 24.3188% | 1,641 |
| Efficiency ratio | 75.3243% | 2,090 |
| Assets per employee ($millions) | 5.2057% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,953 |
| Loan loss allowance to noncurrent loans | 125.5924% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 2,712 |
| Noncurrent loans to loans | 0.8439% | 2,416 |
| Net loans and leases to total assets | 77.5841% | 1,273 |
| Net loans and leases to deposits | 107.9565% | 275 |
| Net loans and leases to core deposits | 119.5681% | 496 |
| Total domestic deposits to total assets | 71.8661% | 5,568 |
| Equity capital to assets | 12.0709% | 1,758 |
| Core capital (leverage) ratio | 11.9695% | 1,620 |
| Tier 1 risk-based capital ratio | 15.3447% | 2,824 |
| Total risk-based capital ratio | 16.4541% | 2,817 |
| Memoranda: | ||
| Average total assets | $742,164,400 | 975 |
| Average earning assets | $695,887,200 | 957 |
| Average equity | $90,711,400 | 883 |
| Average total loans | $576,936,600 | 862 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,496 |
| Cost of funding earning assets | 0.3923% | 3,101 |
| Net interest margin | 3.5367% | 3,335 |
| Noninterest income to average assets | 0.6473% | 2,436 |
| Noninterest expense to average assets | 3.0575% | 2,134 |
| Loan and lease loss provision to assets | 0.0842% | 2,534 |
| Net operating income to assets | 0.6013% | 4,287 |
| Return on assets (ROA) | 0.6326% | 4,281 |
| Pretax return on assets | 0.8655% | 4,098 |
| Return on Equity (ROE) | 5.1592% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.1592% | 2,721 |
| Net charge-offs to loans | 0.0549% | 2,577 |
| Credit loss provision to net charge-offs | 197.8723% | 1,450 |
| Earnings coverage of net charge-offs (x) | 21.3103% | 1,823 |
| Efficiency ratio | 77.1272% | 1,819 |
| Assets per employee ($millions) | 5.1438% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 4,098 |
| Loan loss allowance to noncurrent loans | 136.3940% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 3,097 |
| Noncurrent loans to loans | 0.7730% | 2,739 |
| Net loans and leases to total assets | 77.1965% | 1,322 |
| Net loans and leases to deposits | 105.8896% | 379 |
| Net loans and leases to core deposits | 117.5542% | 591 |
| Total domestic deposits to total assets | 72.9028% | 5,532 |
| Equity capital to assets | 12.4698% | 1,799 |
| Core capital (leverage) ratio | 12.0727% | 1,623 |
| Tier 1 risk-based capital ratio | 15.5466% | 2,811 |
| Total risk-based capital ratio | 16.6074% | 2,820 |
| Memoranda: | ||
| Average total assets | $736,394,750 | 981 |
| Average earning assets | $690,649,000 | 965 |
| Average equity | $90,296,250 | 894 |
| Average total loans | $571,154,000 | 867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 3,511 |
| Cost of funding earning assets | 0.3971% | 3,072 |
| Net interest margin | 3.5298% | 3,371 |
| Noninterest income to average assets | 0.6014% | 2,612 |
| Noninterest expense to average assets | 3.1051% | 2,047 |
| Loan and lease loss provision to assets | 0.1050% | 2,105 |
| Net operating income to assets | 0.5167% | 4,614 |
| Return on assets (ROA) | 0.5905% | 4,440 |
| Pretax return on assets | 0.8027% | 4,269 |
| Return on Equity (ROE) | 4.8438% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.8438% | 2,831 |
| Net charge-offs to loans | 0.0507% | 2,478 |
| Credit loss provision to net charge-offs | 267.3611% | 1,053 |
| Earnings coverage of net charge-offs (x) | 20.5694% | 1,721 |
| Efficiency ratio | 79.3531% | 1,581 |
| Assets per employee ($millions) | 5.1070% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 4,072 |
| Loan loss allowance to noncurrent loans | 125.5823% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 2,923 |
| Noncurrent loans to loans | 0.8577% | 2,595 |
| Net loans and leases to total assets | 76.2233% | 1,460 |
| Net loans and leases to deposits | 108.7929% | 283 |
| Net loans and leases to core deposits | 120.1099% | 510 |
| Total domestic deposits to total assets | 70.0627% | 5,780 |
| Equity capital to assets | 12.4087% | 1,836 |
| Core capital (leverage) ratio | 12.0546% | 1,589 |
| Tier 1 risk-based capital ratio | 15.3653% | 2,922 |
| Total risk-based capital ratio | 16.4323% | 2,925 |
| Memoranda: | ||
| Average total assets | $733,240,330 | 985 |
| Average earning assets | $687,911,330 | 969 |
| Average equity | $89,392,670 | 900 |
| Average total loans | $567,568,330 | 871 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 3,384 |
| Cost of funding earning assets | 0.4493% | 2,595 |
| Net interest margin | 3.5060% | 3,452 |
| Noninterest income to average assets | 0.5822% | 2,629 |
| Noninterest expense to average assets | 3.1113% | 2,069 |
| Loan and lease loss provision to assets | 0.1354% | 1,555 |
| Net operating income to assets | 0.4641% | 4,760 |
| Return on assets (ROA) | 0.5959% | 4,307 |
| Pretax return on assets | 0.8081% | 4,166 |
| Return on Equity (ROE) | 4.9328% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.9328% | 2,985 |
| Net charge-offs to loans | 0.0438% | 2,130 |
| Credit loss provision to net charge-offs | 398.3871% | 712 |
| Earnings coverage of net charge-offs (x) | 22.5161% | 1,397 |
| Efficiency ratio | 80.2574% | 1,574 |
| Assets per employee ($millions) | 5.0020% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,182 |
| Loan loss allowance to noncurrent loans | 126.9808% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 3,007 |
| Noncurrent loans to loans | 0.8488% | 2,728 |
| Net loans and leases to total assets | 76.5418% | 1,315 |
| Net loans and leases to deposits | 104.5869% | 384 |
| Net loans and leases to core deposits | 115.3837% | 615 |
| Total domestic deposits to total assets | 73.1849% | 5,682 |
| Equity capital to assets | 12.1795% | 1,901 |
| Core capital (leverage) ratio | 11.9623% | 1,635 |
| Tier 1 risk-based capital ratio | 15.6745% | 2,833 |
| Total risk-based capital ratio | 16.7727% | 2,839 |
| Memoranda: | ||
| Average total assets | $729,601,500 | 994 |
| Average earning assets | $685,572,500 | 966 |
| Average equity | $88,144,500 | 907 |
| Average total loans | $566,056,000 | 870 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,125 |
| Cost of funding earning assets | 0.3235% | 3,983 |
| Net interest margin | 3.7246% | 2,658 |
| Noninterest income to average assets | 0.9561% | 1,302 |
| Noninterest expense to average assets | 3.2418% | 1,855 |
| Loan and lease loss provision to assets | 0.2033% | 1,052 |
| Net operating income to assets | 0.7567% | 3,539 |
| Return on assets (ROA) | 0.6312% | 4,228 |
| Pretax return on assets | 0.8341% | 4,094 |
| Return on Equity (ROE) | 5.0138% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.0138% | 2,405 |
| Net charge-offs to loans | 0.1071% | 2,315 |
| Credit loss provision to net charge-offs | 253.4799% | 1,139 |
| Earnings coverage of net charge-offs (x) | 14.9945% | 2,242 |
| Efficiency ratio | 72.9445% | 2,754 |
| Assets per employee ($millions) | 5.0973% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,377 |
| Loan loss allowance to noncurrent loans | 124.7096% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 3,052 |
| Noncurrent loans to loans | 0.8350% | 2,697 |
| Net loans and leases to total assets | 76.9831% | 1,256 |
| Net loans and leases to deposits | 102.8518% | 495 |
| Net loans and leases to core deposits | 116.5956% | 586 |
| Total domestic deposits to total assets | 74.8485% | 5,565 |
| Equity capital to assets | 11.9827% | 1,963 |
| Core capital (leverage) ratio | 11.7703% | 1,772 |
| Tier 1 risk-based capital ratio | 15.3852% | 2,998 |
| Total risk-based capital ratio | 16.4524% | 3,015 |
| Memoranda: | ||
| Average total assets | $680,878,600 | 1,012 |
| Average earning assets | $637,647,200 | 995 |
| Average equity | $85,723,800 | 891 |
| Average total loans | $509,581,600 | 919 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,246 |
| Cost of funding earning assets | 0.3153% | 4,163 |
| Net interest margin | 3.7078% | 2,735 |
| Noninterest income to average assets | 1.0890% | 1,013 |
| Noninterest expense to average assets | 3.2590% | 1,801 |
| Loan and lease loss provision to assets | 0.2569% | 656 |
| Net operating income to assets | 0.7803% | 3,526 |
| Return on assets (ROA) | 0.6066% | 4,451 |
| Pretax return on assets | 0.8107% | 4,306 |
| Return on Equity (ROE) | 4.7554% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.7554% | 3,086 |
| Net charge-offs to loans | 0.1284% | 1,849 |
| Credit loss provision to net charge-offs | 270.2306% | 1,069 |
| Earnings coverage of net charge-offs (x) | 13.6647% | 2,309 |
| Efficiency ratio | 71.4960% | 2,959 |
| Assets per employee ($millions) | 5.0109% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 4,200 |
| Loan loss allowance to noncurrent loans | 113.9783% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 3,058 |
| Noncurrent loans to loans | 0.9692% | 2,565 |
| Net loans and leases to total assets | 75.5615% | 1,447 |
| Net loans and leases to deposits | 104.2243% | 438 |
| Net loans and leases to core deposits | 114.8980% | 637 |
| Total domestic deposits to total assets | 72.4990% | 5,830 |
| Equity capital to assets | 12.3705% | 1,814 |
| Core capital (leverage) ratio | 12.0317% | 1,657 |
| Tier 1 risk-based capital ratio | 15.8439% | 2,871 |
| Total risk-based capital ratio | 16.9697% | 2,874 |
| Memoranda: | ||
| Average total assets | $668,869,250 | 1,033 |
| Average earning assets | $625,833,750 | 1,015 |
| Average equity | $85,318,750 | 899 |
| Average total loans | $495,215,250 | 950 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,142 |
| Cost of funding earning assets | 0.3079% | 4,314 |
| Net interest margin | 3.7274% | 2,591 |
| Noninterest income to average assets | 0.9247% | 1,370 |
| Noninterest expense to average assets | 3.2908% | 1,733 |
| Loan and lease loss provision to assets | 0.2847% | 566 |
| Net operating income to assets | 0.6387% | 4,180 |
| Return on assets (ROA) | 0.6282% | 4,337 |
| Pretax return on assets | 0.8192% | 4,259 |
| Return on Equity (ROE) | 4.8731% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.8731% | 2,944 |
| Net charge-offs to loans | 0.2224% | 1,150 |
| Credit loss provision to net charge-offs | 174.8603% | 1,375 |
| Earnings coverage of net charge-offs (x) | 6.8641% | 2,731 |
| Efficiency ratio | 74.6492% | 2,584 |
| Assets per employee ($millions) | 5.0399% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 4,330 |
| Loan loss allowance to noncurrent loans | 107.3616% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 3,126 |
| Noncurrent loans to loans | 1.0233% | 2,598 |
| Net loans and leases to total assets | 72.8994% | 1,837 |
| Net loans and leases to deposits | 98.2832% | 772 |
| Net loans and leases to core deposits | 108.3360% | 933 |
| Total domestic deposits to total assets | 74.1728% | 5,770 |
| Equity capital to assets | 12.5882% | 1,605 |
| Core capital (leverage) ratio | 12.1987% | 1,538 |
| Tier 1 risk-based capital ratio | 16.0097% | 2,853 |
| Total risk-based capital ratio | 17.0710% | 2,908 |
| Memoranda: | ||
| Average total assets | $659,654,670 | 1,049 |
| Average earning assets | $616,521,670 | 1,029 |
| Average equity | $85,037,670 | 904 |
| Average total loans | $482,895,330 | 968 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,267 |
| Cost of funding earning assets | 0.2794% | 4,676 |
| Net interest margin | 3.7098% | 2,586 |
| Noninterest income to average assets | 0.9021% | 1,378 |
| Noninterest expense to average assets | 3.2697% | 1,796 |
| Loan and lease loss provision to assets | 0.4830% | 221 |
| Net operating income to assets | 0.5048% | 4,664 |
| Return on assets (ROA) | 0.4934% | 4,833 |
| Pretax return on assets | 0.6063% | 4,901 |
| Return on Equity (ROE) | 3.7813% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.7813% | 3,738 |
| Net charge-offs to loans | -0.1859% | 6,038 |
| Credit loss provision to net charge-offs | -356.1086% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7685% | 2,697 |
| Assets per employee ($millions) | 4.8083% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 3,811 |
| Loan loss allowance to noncurrent loans | 100.0329% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 2,737 |
| Noncurrent loans to loans | 1.2248% | 2,324 |
| Net loans and leases to total assets | 72.7523% | 1,688 |
| Net loans and leases to deposits | 100.6966% | 524 |
| Net loans and leases to core deposits | 111.6201% | 673 |
| Total domestic deposits to total assets | 72.2490% | 6,032 |
| Equity capital to assets | 12.7054% | 1,568 |
| Core capital (leverage) ratio | 12.6586% | 1,286 |
| Tier 1 risk-based capital ratio | 17.3891% | 2,343 |
| Total risk-based capital ratio | 18.6396% | 2,300 |
| Memoranda: | ||
| Average total assets | $651,809,000 | 1,064 |
| Average earning assets | $609,839,500 | 1,045 |
| Average equity | $85,049,500 | 903 |
| Average total loans | $475,447,000 | 979 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 3,321 |
| Cost of funding earning assets | 0.2205% | 5,590 |
| Net interest margin | 3.8819% | 2,309 |
| Noninterest income to average assets | 0.9478% | 1,354 |
| Noninterest expense to average assets | 3.3107% | 1,902 |
| Loan and lease loss provision to assets | 0.2045% | 1,229 |
| Net operating income to assets | 0.7676% | 3,527 |
| Return on assets (ROA) | 0.8189% | 3,374 |
| Pretax return on assets | 1.1103% | 3,044 |
| Return on Equity (ROE) | 5.8678% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.8678% | 2,005 |
| Net charge-offs to loans | 0.0822% | 3,327 |
| Credit loss provision to net charge-offs | 354.5455% | 742 |
| Earnings coverage of net charge-offs (x) | 21.5953% | 1,670 |
| Efficiency ratio | 72.6642% | 3,094 |
| Assets per employee ($millions) | 4.6019% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 4,474 |
| Loan loss allowance to noncurrent loans | 86.5858% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 2,771 |
| Noncurrent loans to loans | 1.2859% | 2,302 |
| Net loans and leases to total assets | 71.3787% | 2,018 |
| Net loans and leases to deposits | 100.0990% | 615 |
| Net loans and leases to core deposits | 106.3753% | 995 |
| Total domestic deposits to total assets | 71.3081% | 6,125 |
| Equity capital to assets | 13.4143% | 1,187 |
| Core capital (leverage) ratio | 12.6784% | 1,266 |
| Tier 1 risk-based capital ratio | 18.3488% | 2,035 |
| Total risk-based capital ratio | 19.5111% | 2,020 |
| Memoranda: | ||
| Average total assets | $591,262,000 | 1,121 |
| Average earning assets | $549,605,800 | 1,098 |
| Average equity | $82,517,800 | 890 |
| Average total loans | $414,989,000 | 1,061 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,449 |
| Cost of funding earning assets | 0.2195% | 5,674 |
| Net interest margin | 3.8618% | 2,383 |
| Noninterest income to average assets | 1.0078% | 1,207 |
| Noninterest expense to average assets | 3.3283% | 1,844 |
| Loan and lease loss provision to assets | 0.2630% | 810 |
| Net operating income to assets | 0.7329% | 3,769 |
| Return on assets (ROA) | 0.8353% | 3,346 |
| Pretax return on assets | 1.1428% | 3,020 |
| Return on Equity (ROE) | 5.9231% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.9231% | 2,458 |
| Net charge-offs to loans | 0.0494% | 3,511 |
| Credit loss provision to net charge-offs | 764.6667% | 407 |
| Earnings coverage of net charge-offs (x) | 36.7924% | 1,198 |
| Efficiency ratio | 72.4518% | 3,098 |
| Assets per employee ($millions) | 4.9840% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 4,391 |
| Loan loss allowance to noncurrent loans | 92.0298% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 2,989 |
| Noncurrent loans to loans | 1.2703% | 2,520 |
| Net loans and leases to total assets | 70.5096% | 2,107 |
| Net loans and leases to deposits | 101.1572% | 551 |
| Net loans and leases to core deposits | 103.1010% | 1,147 |
| Total domestic deposits to total assets | 69.7030% | 6,295 |
| Equity capital to assets | 13.5420% | 1,162 |
| Core capital (leverage) ratio | 13.0059% | 1,174 |
| Tier 1 risk-based capital ratio | 18.4138% | 2,081 |
| Total risk-based capital ratio | 19.6724% | 2,044 |
| Memoranda: | ||
| Average total assets | $581,463,500 | 1,147 |
| Average earning assets | $539,940,750 | 1,128 |
| Average equity | $82,004,500 | 896 |
| Average total loans | $404,966,750 | 1,079 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 3,446 |
| Cost of funding earning assets | 0.2193% | 5,752 |
| Net interest margin | 3.8553% | 2,359 |
| Noninterest income to average assets | 1.0451% | 1,088 |
| Noninterest expense to average assets | 3.4128% | 1,651 |
| Loan and lease loss provision to assets | 0.2572% | 836 |
| Net operating income to assets | 0.6950% | 3,868 |
| Return on assets (ROA) | 0.8280% | 3,283 |
| Pretax return on assets | 1.1317% | 2,965 |
| Return on Equity (ROE) | 5.7869% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.7869% | 2,459 |
| Net charge-offs to loans | 0.0470% | 3,307 |
| Credit loss provision to net charge-offs | 793.4783% | 410 |
| Earnings coverage of net charge-offs (x) | 37.2283% | 1,109 |
| Efficiency ratio | 73.8769% | 2,994 |
| Assets per employee ($millions) | 4.6115% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,608 |
| Loan loss allowance to noncurrent loans | 83.4973% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 3,019 |
| Noncurrent loans to loans | 1.3908% | 2,477 |
| Net loans and leases to total assets | 69.2052% | 2,196 |
| Net loans and leases to deposits | 94.6360% | 911 |
| Net loans and leases to core deposits | 96.5434% | 1,559 |
| Total domestic deposits to total assets | 73.1278% | 6,177 |
| Equity capital to assets | 14.0809% | 940 |
| Core capital (leverage) ratio | 13.7543% | 899 |
| Tier 1 risk-based capital ratio | 18.9681% | 1,931 |
| Total risk-based capital ratio | 20.3077% | 1,870 |
| Memoranda: | ||
| Average total assets | $567,619,670 | 1,169 |
| Average earning assets | $526,282,670 | 1,160 |
| Average equity | $81,217,330 | 897 |
| Average total loans | $391,800,000 | 1,116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,302 |
| Cost of funding earning assets | 0.2240% | 5,807 |
| Net interest margin | 3.8712% | 2,191 |
| Noninterest income to average assets | 1.1206% | 885 |
| Noninterest expense to average assets | 3.4788% | 1,531 |
| Loan and lease loss provision to assets | 0.1285% | 1,887 |
| Net operating income to assets | 0.8015% | 3,147 |
| Return on assets (ROA) | 0.8563% | 2,938 |
| Pretax return on assets | 1.1704% | 2,612 |
| Return on Equity (ROE) | 5.9342% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9342% | 2,579 |
| Net charge-offs to loans | 0.0801% | 2,350 |
| Credit loss provision to net charge-offs | 234.2105% | 939 |
| Earnings coverage of net charge-offs (x) | 22.3026% | 1,258 |
| Efficiency ratio | 73.9751% | 3,148 |
| Assets per employee ($millions) | 4.3769% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,005 |
| Loan loss allowance to noncurrent loans | 81.1509% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 3,240 |
| Noncurrent loans to loans | 1.3878% | 2,704 |
| Net loans and leases to total assets | 67.9290% | 2,233 |
| Net loans and leases to deposits | 84.2574% | 1,796 |
| Net loans and leases to core deposits | 86.1126% | 2,309 |
| Total domestic deposits to total assets | 80.6208% | 5,344 |
| Equity capital to assets | 14.6072% | 762 |
| Core capital (leverage) ratio | 13.7993% | 891 |
| Tier 1 risk-based capital ratio | 19.4630% | 1,845 |
| Total risk-based capital ratio | 20.6094% | 1,842 |
| Memoranda: | ||
| Average total assets | $553,985,000 | 1,209 |
| Average earning assets | $512,600,000 | 1,199 |
| Average equity | $79,943,000 | 915 |
| Average total loans | $379,434,500 | 1,163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 3,673 |
| Cost of funding earning assets | 0.3487% | 5,150 |
| Net interest margin | 3.7685% | 2,767 |
| Noninterest income to average assets | 1.0206% | 1,346 |
| Noninterest expense to average assets | 3.4784% | 1,709 |
| Loan and lease loss provision to assets | 0.1454% | 2,479 |
| Net operating income to assets | 0.6889% | 3,845 |
| Return on assets (ROA) | 0.6830% | 3,976 |
| Pretax return on assets | 0.8631% | 3,903 |
| Return on Equity (ROE) | 4.9467% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.9467% | 2,628 |
| Net charge-offs to loans | 0.1799% | 3,023 |
| Credit loss provision to net charge-offs | 125.3894% | 1,892 |
| Earnings coverage of net charge-offs (x) | 8.7601% | 2,612 |
| Efficiency ratio | 77.3919% | 2,557 |
| Assets per employee ($millions) | 4.3133% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,081 |
| Loan loss allowance to noncurrent loans | 54.3068% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 2,482 |
| Noncurrent loans to loans | 2.0511% | 1,933 |
| Net loans and leases to total assets | 67.5189% | 2,434 |
| Net loans and leases to deposits | 83.5452% | 1,990 |
| Net loans and leases to core deposits | 85.4950% | 2,509 |
| Total domestic deposits to total assets | 80.8172% | 5,234 |
| Equity capital to assets | 14.2527% | 842 |
| Core capital (leverage) ratio | 13.4350% | 977 |
| Tier 1 risk-based capital ratio | 19.2373% | 1,852 |
| Total risk-based capital ratio | 20.3826% | 1,842 |
| Memoranda: | ||
| Average total assets | $553,477,800 | 1,198 |
| Average earning assets | $510,203,400 | 1,192 |
| Average equity | $76,414,800 | 932 |
| Average total loans | $356,854,400 | 1,199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 3,752 |
| Cost of funding earning assets | 0.3861% | 4,940 |
| Net interest margin | 3.7156% | 2,969 |
| Noninterest income to average assets | 0.9399% | 1,635 |
| Noninterest expense to average assets | 3.4263% | 1,766 |
| Loan and lease loss provision to assets | 0.1389% | 2,558 |
| Net operating income to assets | 0.6169% | 4,274 |
| Return on assets (ROA) | 0.6746% | 4,130 |
| Pretax return on assets | 0.8715% | 4,006 |
| Return on Equity (ROE) | 4.9256% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.9256% | 3,137 |
| Net charge-offs to loans | 0.0781% | 3,829 |
| Credit loss provision to net charge-offs | 280.0971% | 912 |
| Earnings coverage of net charge-offs (x) | 18.8641% | 1,656 |
| Efficiency ratio | 78.5517% | 2,333 |
| Assets per employee ($millions) | 4.3504% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,960 |
| Loan loss allowance to noncurrent loans | 56.6089% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 2,795 |
| Noncurrent loans to loans | 2.0871% | 2,145 |
| Net loans and leases to total assets | 66.7134% | 2,520 |
| Net loans and leases to deposits | 85.9551% | 1,624 |
| Net loans and leases to core deposits | 88.2282% | 2,163 |
| Total domestic deposits to total assets | 77.6143% | 5,958 |
| Equity capital to assets | 13.8094% | 1,017 |
| Core capital (leverage) ratio | 13.3385% | 1,083 |
| Tier 1 risk-based capital ratio | 18.8043% | 2,047 |
| Total risk-based capital ratio | 19.9398% | 2,054 |
| Memoranda: | ||
| Average total assets | $553,822,250 | 1,210 |
| Average earning assets | $510,054,000 | 1,202 |
| Average equity | $75,846,250 | 951 |
| Average total loans | $351,825,250 | 1,213 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,650 |
| Cost of funding earning assets | 0.4543% | 4,384 |
| Net interest margin | 3.6683% | 3,090 |
| Noninterest income to average assets | 0.8819% | 1,881 |
| Noninterest expense to average assets | 3.4496% | 1,719 |
| Loan and lease loss provision to assets | 0.1552% | 2,375 |
| Net operating income to assets | 0.5280% | 4,674 |
| Return on assets (ROA) | 0.6221% | 4,347 |
| Pretax return on assets | 0.7772% | 4,402 |
| Return on Equity (ROE) | 4.5551% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.5551% | 3,369 |
| Net charge-offs to loans | 0.0516% | 3,949 |
| Credit loss provision to net charge-offs | 483.1461% | 570 |
| Earnings coverage of net charge-offs (x) | 25.3708% | 1,266 |
| Efficiency ratio | 80.8936% | 2,038 |
| Assets per employee ($millions) | 4.2730% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,756 |
| Loan loss allowance to noncurrent loans | 61.1057% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.4073% | 2,995 |
| Noncurrent loans to loans | 2.0388% | 2,358 |
| Net loans and leases to total assets | 63.4355% | 3,018 |
| Net loans and leases to deposits | 79.4856% | 2,405 |
| Net loans and leases to core deposits | 81.8082% | 2,819 |
| Total domestic deposits to total assets | 79.8076% | 5,649 |
| Equity capital to assets | 13.7464% | 1,033 |
| Core capital (leverage) ratio | 13.2200% | 1,084 |
| Tier 1 risk-based capital ratio | 19.1454% | 1,957 |
| Total risk-based capital ratio | 20.3095% | 1,942 |
| Memoranda: | ||
| Average total assets | $554,263,330 | 1,208 |
| Average earning assets | $511,074,670 | 1,203 |
| Average equity | $75,696,000 | 959 |
| Average total loans | $344,767,670 | 1,226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 3,418 |
| Cost of funding earning assets | 0.6205% | 2,922 |
| Net interest margin | 3.5520% | 3,470 |
| Noninterest income to average assets | 0.8826% | 1,824 |
| Noninterest expense to average assets | 3.3883% | 1,860 |
| Loan and lease loss provision to assets | 0.0624% | 3,593 |
| Net operating income to assets | 0.5553% | 4,429 |
| Return on assets (ROA) | 0.5463% | 4,621 |
| Pretax return on assets | 0.6997% | 4,582 |
| Return on Equity (ROE) | 4.0131% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.0131% | 3,823 |
| Net charge-offs to loans | 0.0047% | 4,073 |
| Credit loss provision to net charge-offs | 2,175.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 269.7500% | 143 |
| Efficiency ratio | 81.4126% | 2,128 |
| Assets per employee ($millions) | 4.3377% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 5,166 |
| Loan loss allowance to noncurrent loans | 56.5253% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 3,128 |
| Noncurrent loans to loans | 2.1273% | 2,466 |
| Net loans and leases to total assets | 61.4343% | 3,184 |
| Net loans and leases to deposits | 75.5159% | 2,706 |
| Net loans and leases to core deposits | 78.0427% | 3,057 |
| Total domestic deposits to total assets | 81.3528% | 5,403 |
| Equity capital to assets | 13.9208% | 1,058 |
| Core capital (leverage) ratio | 12.8598% | 1,173 |
| Tier 1 risk-based capital ratio | 18.8473% | 2,080 |
| Total risk-based capital ratio | 20.0192% | 2,080 |
| Memoranda: | ||
| Average total assets | $557,920,500 | 1,209 |
| Average earning assets | $515,089,000 | 1,208 |
| Average equity | $75,951,000 | 964 |
| Average total loans | $341,483,000 | 1,244 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 3,685 |
| Cost of funding earning assets | 0.6241% | 4,143 |
| Net interest margin | 3.8107% | 3,180 |
| Noninterest income to average assets | 0.8634% | 1,982 |
| Noninterest expense to average assets | 3.3911% | 2,069 |
| Loan and lease loss provision to assets | 0.1111% | 4,242 |
| Net operating income to assets | 0.6778% | 3,842 |
| Return on assets (ROA) | 0.6856% | 4,067 |
| Pretax return on assets | 0.8691% | 4,029 |
| Return on Equity (ROE) | 5.3592% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.3592% | 2,463 |
| Net charge-offs to loans | 0.1628% | 4,075 |
| Credit loss provision to net charge-offs | 112.0287% | 2,603 |
| Earnings coverage of net charge-offs (x) | 9.7864% | 2,222 |
| Efficiency ratio | 77.7510% | 2,490 |
| Assets per employee ($millions) | 4.2478% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 5,180 |
| Loan loss allowance to noncurrent loans | 39.5299% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 1.9301% | 2,535 |
| Noncurrent loans to loans | 2.9993% | 1,738 |
| Net loans and leases to total assets | 59.5407% | 3,677 |
| Net loans and leases to deposits | 72.2770% | 3,361 |
| Net loans and leases to core deposits | 79.4249% | 3,086 |
| Total domestic deposits to total assets | 82.3784% | 4,974 |
| Equity capital to assets | 13.3133% | 1,307 |
| Core capital (leverage) ratio | 12.3371% | 1,384 |
| Tier 1 risk-based capital ratio | 18.4926% | 2,104 |
| Total risk-based capital ratio | 19.5645% | 2,126 |
| Memoranda: | ||
| Average total assets | $561,735,600 | 1,181 |
| Average earning assets | $515,657,400 | 1,176 |
| Average equity | $71,857,400 | 981 |
| Average total loans | $342,074,800 | 1,235 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 3,734 |
| Cost of funding earning assets | 0.6496% | 4,201 |
| Net interest margin | 3.8257% | 3,226 |
| Noninterest income to average assets | 0.8733% | 1,929 |
| Noninterest expense to average assets | 3.4508% | 1,882 |
| Loan and lease loss provision to assets | 0.1673% | 3,443 |
| Net operating income to assets | 0.6209% | 4,294 |
| Return on assets (ROA) | 0.6482% | 4,409 |
| Pretax return on assets | 0.7970% | 4,492 |
| Return on Equity (ROE) | 5.1197% | 4,769 |
| Retained earnings to average equity (ytd only) | 5.1197% | 3,280 |
| Net charge-offs to loans | 0.1534% | 3,889 |
| Credit loss provision to net charge-offs | 178.6802% | 1,561 |
| Earnings coverage of net charge-offs (x) | 9.9366% | 2,253 |
| Efficiency ratio | 78.7609% | 2,273 |
| Assets per employee ($millions) | 4.2303% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,137 |
| Loan loss allowance to noncurrent loans | 32.6492% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 2.4096% | 2,206 |
| Noncurrent loans to loans | 3.7696% | 1,409 |
| Net loans and leases to total assets | 61.0338% | 3,565 |
| Net loans and leases to deposits | 74.5890% | 3,207 |
| Net loans and leases to core deposits | 82.0744% | 2,954 |
| Total domestic deposits to total assets | 81.8268% | 5,083 |
| Equity capital to assets | 13.1369% | 1,524 |
| Core capital (leverage) ratio | 12.0129% | 1,650 |
| Tier 1 risk-based capital ratio | 17.1313% | 2,681 |
| Total risk-based capital ratio | 18.2128% | 2,712 |
| Memoranda: | ||
| Average total assets | $560,930,750 | 1,203 |
| Average earning assets | $514,363,000 | 1,194 |
| Average equity | $71,018,250 | 999 |
| Average total loans | $342,490,000 | 1,241 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 3,637 |
| Cost of funding earning assets | 0.6906% | 4,090 |
| Net interest margin | 3.8411% | 3,171 |
| Noninterest income to average assets | 0.8862% | 1,834 |
| Noninterest expense to average assets | 3.4688% | 1,858 |
| Loan and lease loss provision to assets | 0.3002% | 2,182 |
| Net operating income to assets | 0.5420% | 4,618 |
| Return on assets (ROA) | 0.6050% | 4,602 |
| Pretax return on assets | 0.7060% | 4,816 |
| Return on Equity (ROE) | 4.8391% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.8391% | 3,374 |
| Net charge-offs to loans | 0.2682% | 2,972 |
| Credit loss provision to net charge-offs | 184.0263% | 1,544 |
| Earnings coverage of net charge-offs (x) | 5.7199% | 2,770 |
| Efficiency ratio | 78.8048% | 2,351 |
| Assets per employee ($millions) | 4.1898% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 5,156 |
| Loan loss allowance to noncurrent loans | 31.0131% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 2.5816% | 2,153 |
| Noncurrent loans to loans | 4.0004% | 1,378 |
| Net loans and leases to total assets | 61.7191% | 3,494 |
| Net loans and leases to deposits | 75.2670% | 3,092 |
| Net loans and leases to core deposits | 82.8623% | 2,847 |
| Total domestic deposits to total assets | 82.0002% | 5,132 |
| Equity capital to assets | 12.6528% | 1,719 |
| Core capital (leverage) ratio | 11.7497% | 1,754 |
| Tier 1 risk-based capital ratio | 16.6735% | 2,819 |
| Total risk-based capital ratio | 17.7757% | 2,865 |
| Memoranda: | ||
| Average total assets | $560,364,000 | 1,202 |
| Average earning assets | $512,874,000 | 1,198 |
| Average equity | $70,053,670 | 1,002 |
| Average total loans | $340,762,000 | 1,246 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 3,495 |
| Cost of funding earning assets | 0.7702% | 3,695 |
| Net interest margin | 3.8313% | 3,237 |
| Noninterest income to average assets | 0.8674% | 1,875 |
| Noninterest expense to average assets | 3.4082% | 1,992 |
| Loan and lease loss provision to assets | 0.3144% | 1,995 |
| Net operating income to assets | 0.5466% | 4,614 |
| Return on assets (ROA) | 0.8260% | 3,500 |
| Pretax return on assets | 0.9746% | 3,774 |
| Return on Equity (ROE) | 6.6473% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.6473% | 2,607 |
| Net charge-offs to loans | 0.3849% | 2,154 |
| Credit loss provision to net charge-offs | 136.2229% | 1,805 |
| Earnings coverage of net charge-offs (x) | 4.1610% | 2,651 |
| Efficiency ratio | 78.0177% | 2,488 |
| Assets per employee ($millions) | 4.1850% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,414 |
| Loan loss allowance to noncurrent loans | 43.4357% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.8146% | 3,152 |
| Noncurrent loans to loans | 2.7984% | 2,312 |
| Net loans and leases to total assets | 59.2162% | 3,821 |
| Net loans and leases to deposits | 70.8335% | 3,611 |
| Net loans and leases to core deposits | 77.5067% | 3,391 |
| Total domestic deposits to total assets | 83.5991% | 4,677 |
| Equity capital to assets | 12.5645% | 1,680 |
| Core capital (leverage) ratio | 12.0351% | 1,565 |
| Tier 1 risk-based capital ratio | 17.4743% | 2,489 |
| Total risk-based capital ratio | 18.5456% | 2,529 |
| Memoranda: | ||
| Average total assets | $559,829,000 | 1,213 |
| Average earning assets | $511,573,000 | 1,207 |
| Average equity | $69,562,000 | 1,002 |
| Average total loans | $335,710,500 | 1,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 2,879 |
| Cost of funding earning assets | 0.8531% | 4,448 |
| Net interest margin | 4.1473% | 2,241 |
| Noninterest income to average assets | 0.9037% | 1,661 |
| Noninterest expense to average assets | 3.5515% | 1,860 |
| Loan and lease loss provision to assets | 0.7073% | 1,445 |
| Net operating income to assets | 0.4903% | 4,467 |
| Return on assets (ROA) | 0.6071% | 4,148 |
| Pretax return on assets | 0.5521% | 4,825 |
| Return on Equity (ROE) | 5.0225% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.0225% | 2,624 |
| Net charge-offs to loans | 1.2636% | 1,314 |
| Credit loss provision to net charge-offs | 88.9115% | 4,058 |
| Earnings coverage of net charge-offs (x) | 1.4363% | 4,694 |
| Efficiency ratio | 75.6583% | 2,945 |
| Assets per employee ($millions) | 4.1094% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 5,472 |
| Loan loss allowance to noncurrent loans | 39.7337% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 3,064 |
| Noncurrent loans to loans | 2.9795% | 2,179 |
| Net loans and leases to total assets | 59.2783% | 4,137 |
| Net loans and leases to deposits | 71.1816% | 3,923 |
| Net loans and leases to core deposits | 80.9157% | 3,327 |
| Total domestic deposits to total assets | 83.2776% | 4,632 |
| Equity capital to assets | 12.2862% | 1,920 |
| Core capital (leverage) ratio | 11.6887% | 1,770 |
| Tier 1 risk-based capital ratio | 17.0917% | 2,558 |
| Total risk-based capital ratio | 18.1326% | 2,618 |
| Memoranda: | ||
| Average total assets | $556,617,600 | 1,186 |
| Average earning assets | $508,721,000 | 1,189 |
| Average equity | $67,277,800 | 998 |
| Average total loans | $350,420,800 | 1,209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 2,846 |
| Cost of funding earning assets | 0.8849% | 4,508 |
| Net interest margin | 4.1633% | 2,229 |
| Noninterest income to average assets | 0.9085% | 1,615 |
| Noninterest expense to average assets | 3.5893% | 1,729 |
| Loan and lease loss provision to assets | 0.9562% | 919 |
| Net operating income to assets | 0.2793% | 5,472 |
| Return on assets (ROA) | 0.5357% | 4,572 |
| Pretax return on assets | 0.4278% | 5,381 |
| Return on Equity (ROE) | 4.4502% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.4502% | 3,555 |
| Net charge-offs to loans | 1.5730% | 899 |
| Credit loss provision to net charge-offs | 95.4295% | 3,586 |
| Earnings coverage of net charge-offs (x) | 1.1254% | 4,784 |
| Efficiency ratio | 76.0929% | 2,826 |
| Assets per employee ($millions) | 4.1434% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,352 |
| Loan loss allowance to noncurrent loans | 37.7054% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 2.2136% | 2,881 |
| Noncurrent loans to loans | 3.2573% | 2,130 |
| Net loans and leases to total assets | 60.9252% | 3,957 |
| Net loans and leases to deposits | 72.1906% | 3,954 |
| Net loans and leases to core deposits | 82.1582% | 3,302 |
| Total domestic deposits to total assets | 84.3950% | 4,057 |
| Equity capital to assets | 11.8642% | 2,363 |
| Core capital (leverage) ratio | 11.4861% | 2,034 |
| Tier 1 risk-based capital ratio | 16.5925% | 2,817 |
| Total risk-based capital ratio | 17.7076% | 2,847 |
| Memoranda: | ||
| Average total assets | $556,054,000 | 1,199 |
| Average earning assets | $508,653,750 | 1,190 |
| Average equity | $66,931,250 | 1,007 |
| Average total loans | $354,211,250 | 1,208 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 2,978 |
| Cost of funding earning assets | 0.9207% | 4,517 |
| Net interest margin | 4.1172% | 2,350 |
| Noninterest income to average assets | 0.9314% | 1,532 |
| Noninterest expense to average assets | 3.6541% | 1,616 |
| Loan and lease loss provision to assets | 1.2067% | 644 |
| Net operating income to assets | 0.0578% | 6,098 |
| Return on assets (ROA) | 0.3938% | 5,119 |
| Pretax return on assets | 0.1741% | 5,975 |
| Return on Equity (ROE) | 3.2558% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.2558% | 4,193 |
| Net charge-offs to loans | 2.0150% | 663 |
| Credit loss provision to net charge-offs | 93.0103% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.8053% | 4,696 |
| Efficiency ratio | 77.7641% | 2,746 |
| Assets per employee ($millions) | 4.0426% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,497 |
| Loan loss allowance to noncurrent loans | 34.5822% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 2.5273% | 2,639 |
| Noncurrent loans to loans | 3.5065% | 2,013 |
| Net loans and leases to total assets | 61.9113% | 3,903 |
| Net loans and leases to deposits | 73.6337% | 3,857 |
| Net loans and leases to core deposits | 84.3444% | 3,157 |
| Total domestic deposits to total assets | 84.0801% | 4,309 |
| Equity capital to assets | 12.1926% | 1,969 |
| Core capital (leverage) ratio | 11.9014% | 1,669 |
| Tier 1 risk-based capital ratio | 17.3476% | 2,396 |
| Total risk-based capital ratio | 18.4605% | 2,417 |
| Memoranda: | ||
| Average total assets | $553,570,670 | 1,211 |
| Average earning assets | $506,553,000 | 1,204 |
| Average equity | $66,956,670 | 1,007 |
| Average total loans | $356,420,000 | 1,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 3,091 |
| Cost of funding earning assets | 0.9630% | 4,476 |
| Net interest margin | 4.0420% | 2,505 |
| Noninterest income to average assets | 0.9403% | 1,502 |
| Noninterest expense to average assets | 3.5596% | 1,851 |
| Loan and lease loss provision to assets | 0.8362% | 993 |
| Net operating income to assets | 0.3028% | 5,387 |
| Return on assets (ROA) | 0.3816% | 5,108 |
| Pretax return on assets | 0.3245% | 5,581 |
| Return on Equity (ROE) | 3.1678% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.1678% | 4,272 |
| Net charge-offs to loans | 1.1366% | 1,220 |
| Credit loss provision to net charge-offs | 112.7680% | 2,381 |
| Earnings coverage of net charge-offs (x) | 1.4591% | 3,611 |
| Efficiency ratio | 76.6895% | 3,034 |
| Assets per employee ($millions) | 3.9694% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 5,272 |
| Loan loss allowance to noncurrent loans | 29.0864% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 3.0702% | 2,246 |
| Noncurrent loans to loans | 4.3804% | 1,609 |
| Net loans and leases to total assets | 64.4756% | 3,359 |
| Net loans and leases to deposits | 76.6714% | 3,304 |
| Net loans and leases to core deposits | 99.3443% | 1,397 |
| Total domestic deposits to total assets | 84.0933% | 4,455 |
| Equity capital to assets | 12.1936% | 1,797 |
| Core capital (leverage) ratio | 11.8438% | 1,653 |
| Tier 1 risk-based capital ratio | 16.7021% | 2,588 |
| Total risk-based capital ratio | 17.9761% | 2,547 |
| Memoranda: | ||
| Average total assets | $553,435,000 | 1,219 |
| Average earning assets | $506,774,500 | 1,207 |
| Average equity | $66,671,000 | 1,006 |
| Average total loans | $361,080,000 | 1,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 3,053 |
| Cost of funding earning assets | 1.1698% | 4,730 |
| Net interest margin | 4.1450% | 2,388 |
| Noninterest income to average assets | 0.9186% | 1,779 |
| Noninterest expense to average assets | 3.5112% | 2,143 |
| Loan and lease loss provision to assets | 0.3587% | 3,969 |
| Net operating income to assets | 0.7028% | 3,220 |
| Return on assets (ROA) | 0.5890% | 3,884 |
| Pretax return on assets | 0.7160% | 3,918 |
| Return on Equity (ROE) | 5.2304% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.2304% | 2,291 |
| Net charge-offs to loans | 0.9320% | 2,319 |
| Credit loss provision to net charge-offs | 56.9688% | 6,135 |
| Earnings coverage of net charge-offs (x) | 1.9272% | 4,283 |
| Efficiency ratio | 74.3167% | 3,330 |
| Assets per employee ($millions) | 3.9937% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 5,360 |
| Loan loss allowance to noncurrent loans | 23.8822% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 3.5657% | 1,931 |
| Noncurrent loans to loans | 5.1613% | 1,288 |
| Net loans and leases to total assets | 64.3762% | 3,790 |
| Net loans and leases to deposits | 77.3024% | 3,620 |
| Net loans and leases to core deposits | 102.0880% | 1,446 |
| Total domestic deposits to total assets | 83.2784% | 4,685 |
| Equity capital to assets | 11.9009% | 1,967 |
| Core capital (leverage) ratio | 11.5454% | 1,808 |
| Tier 1 risk-based capital ratio | 16.4094% | 2,564 |
| Total risk-based capital ratio | 17.5930% | 2,556 |
| Memoranda: | ||
| Average total assets | $560,632,800 | 1,195 |
| Average earning assets | $514,794,400 | 1,197 |
| Average equity | $63,130,800 | 1,060 |
| Average total loans | $378,746,000 | 1,197 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 3,318 |
| Cost of funding earning assets | 1.2128% | 4,785 |
| Net interest margin | 4.0949% | 2,646 |
| Noninterest income to average assets | 0.9525% | 1,610 |
| Noninterest expense to average assets | 3.4819% | 2,072 |
| Loan and lease loss provision to assets | 0.2790% | 4,346 |
| Net operating income to assets | 0.7496% | 3,213 |
| Return on assets (ROA) | 0.6761% | 3,677 |
| Pretax return on assets | 0.8614% | 3,697 |
| Return on Equity (ROE) | 6.0898% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,308 |
| Net charge-offs to loans | 0.1901% | 4,812 |
| Credit loss provision to net charge-offs | 215.3846% | 1,622 |
| Earnings coverage of net charge-offs (x) | 9.5312% | 2,009 |
| Efficiency ratio | 73.8243% | 3,355 |
| Assets per employee ($millions) | 4.0294% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 3,023 |
| Loan loss allowance to noncurrent loans | 28.4344% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 4.1567% | 1,653 |
| Noncurrent loans to loans | 6.1203% | 1,008 |
| Net loans and leases to total assets | 65.6808% | 3,758 |
| Net loans and leases to deposits | 80.8361% | 3,298 |
| Net loans and leases to core deposits | 106.1269% | 1,313 |
| Total domestic deposits to total assets | 81.2518% | 5,284 |
| Equity capital to assets | 11.5134% | 2,523 |
| Core capital (leverage) ratio | 11.3396% | 2,042 |
| Tier 1 risk-based capital ratio | 15.6745% | 2,914 |
| Total risk-based capital ratio | 16.9292% | 2,872 |
| Memoranda: | ||
| Average total assets | $562,011,000 | 1,204 |
| Average earning assets | $516,603,500 | 1,200 |
| Average equity | $62,397,500 | 1,076 |
| Average total loans | $382,976,250 | 1,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 3,145 |
| Cost of funding earning assets | 1.2385% | 4,903 |
| Net interest margin | 4.1242% | 2,454 |
| Noninterest income to average assets | 1.0351% | 1,268 |
| Noninterest expense to average assets | 3.5406% | 1,926 |
| Loan and lease loss provision to assets | 0.1093% | 5,816 |
| Net operating income to assets | 0.8687% | 2,665 |
| Return on assets (ROA) | 0.8447% | 2,908 |
| Pretax return on assets | 1.1408% | 2,625 |
| Return on Equity (ROE) | 7.7045% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.7045% | 1,548 |
| Net charge-offs to loans | 0.2166% | 4,305 |
| Credit loss provision to net charge-offs | 73.5577% | 4,872 |
| Earnings coverage of net charge-offs (x) | 8.6322% | 2,115 |
| Efficiency ratio | 73.4079% | 3,574 |
| Assets per employee ($millions) | 4.0729% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,723 |
| Loan loss allowance to noncurrent loans | 37.6170% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.8367% | 2,542 |
| Noncurrent loans to loans | 4.0877% | 1,844 |
| Net loans and leases to total assets | 67.3529% | 3,534 |
| Net loans and leases to deposits | 84.0310% | 2,865 |
| Net loans and leases to core deposits | 110.9977% | 1,101 |
| Total domestic deposits to total assets | 80.1524% | 5,686 |
| Equity capital to assets | 11.0405% | 2,817 |
| Core capital (leverage) ratio | 10.7842% | 2,410 |
| Tier 1 risk-based capital ratio | 14.7373% | 3,309 |
| Total risk-based capital ratio | 15.9897% | 3,279 |
| Memoranda: | ||
| Average total assets | $559,968,000 | 1,216 |
| Average earning assets | $514,327,670 | 1,205 |
| Average equity | $61,392,670 | 1,084 |
| Average total loans | $384,045,670 | 1,198 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 3,248 |
| Cost of funding earning assets | 1.2468% | 5,129 |
| Net interest margin | 4.1121% | 2,390 |
| Noninterest income to average assets | 0.7722% | 2,160 |
| Noninterest expense to average assets | 3.3885% | 2,266 |
| Loan and lease loss provision to assets | 0.1234% | 5,343 |
| Net operating income to assets | 0.7587% | 3,166 |
| Return on assets (ROA) | 0.8685% | 2,763 |
| Pretax return on assets | 1.1880% | 2,401 |
| Return on Equity (ROE) | 7.9495% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.9495% | 1,728 |
| Net charge-offs to loans | 0.3063% | 3,190 |
| Credit loss provision to net charge-offs | 58.6441% | 4,325 |
| Earnings coverage of net charge-offs (x) | 5.5186% | 2,385 |
| Efficiency ratio | 74.4828% | 3,492 |
| Assets per employee ($millions) | 4.0440% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,744 |
| Loan loss allowance to noncurrent loans | 40.8523% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 2.5806% | 2,824 |
| Noncurrent loans to loans | 3.7466% | 2,120 |
| Net loans and leases to total assets | 67.0339% | 3,623 |
| Net loans and leases to deposits | 83.6842% | 2,993 |
| Net loans and leases to core deposits | 114.8439% | 1,005 |
| Total domestic deposits to total assets | 80.1034% | 5,748 |
| Equity capital to assets | 11.0451% | 2,718 |
| Core capital (leverage) ratio | 11.3397% | 2,007 |
| Tier 1 risk-based capital ratio | 15.1607% | 3,033 |
| Total risk-based capital ratio | 16.4560% | 2,967 |
| Memoranda: | ||
| Average total assets | $560,961,000 | 1,239 |
| Average earning assets | $515,259,500 | 1,232 |
| Average equity | $61,287,000 | 1,091 |
| Average total loans | $385,225,500 | 1,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 3,130 |
| Cost of funding earning assets | 1.6923% | 4,556 |
| Net interest margin | 4.0020% | 2,854 |
| Noninterest income to average assets | 1.0584% | 1,379 |
| Noninterest expense to average assets | 3.4283% | 2,588 |
| Loan and lease loss provision to assets | 0.3732% | 4,542 |
| Net operating income to assets | 1.0426% | 1,697 |
| Return on assets (ROA) | 0.8035% | 2,609 |
| Pretax return on assets | 0.7006% | 3,569 |
| Return on Equity (ROE) | 8.0166% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.0166% | 696 |
| Net charge-offs to loans | 0.3752% | 4,332 |
| Credit loss provision to net charge-offs | 143.0951% | 3,357 |
| Earnings coverage of net charge-offs (x) | 5.0340% | 2,705 |
| Efficiency ratio | 72.3098% | 4,216 |
| Assets per employee ($millions) | 4.0862% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 3,518 |
| Loan loss allowance to noncurrent loans | 50.3877% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.1196% | 3,244 |
| Noncurrent loans to loans | 3.0599% | 2,508 |
| Net loans and leases to total assets | 68.2034% | 3,658 |
| Net loans and leases to deposits | 88.6965% | 2,442 |
| Net loans and leases to core deposits | 113.3324% | 2,564 |
| Total domestic deposits to total assets | 76.8952% | 6,508 |
| Equity capital to assets | 10.8051% | 2,862 |
| Core capital (leverage) ratio | 11.0293% | 2,211 |
| Tier 1 risk-based capital ratio | 14.7657% | 3,065 |
| Total risk-based capital ratio | 16.0180% | 3,020 |
| Memoranda: | ||
| Average total assets | $552,551,400 | 1,258 |
| Average earning assets | $508,470,000 | 1,238 |
| Average equity | $55,385,400 | 1,187 |
| Average total loans | $384,092,400 | 1,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 3,162 |
| Cost of funding earning assets | 1.7491% | 4,639 |
| Net interest margin | 3.9862% | 2,872 |
| Noninterest income to average assets | 1.0287% | 1,497 |
| Noninterest expense to average assets | 3.4237% | 2,500 |
| Loan and lease loss provision to assets | 0.3622% | 4,152 |
| Net operating income to assets | 0.6464% | 3,422 |
| Return on assets (ROA) | 0.4118% | 4,451 |
| Pretax return on assets | 0.5820% | 4,246 |
| Return on Equity (ROE) | 4.1914% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.1914% | 2,936 |
| Net charge-offs to loans | 0.0898% | 5,788 |
| Credit loss provision to net charge-offs | 579.8450% | 671 |
| Earnings coverage of net charge-offs (x) | 20.4070% | 1,239 |
| Efficiency ratio | 72.8706% | 4,076 |
| Assets per employee ($millions) | 4.1854% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,560 |
| Loan loss allowance to noncurrent loans | 60.3146% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.9213% | 3,465 |
| Noncurrent loans to loans | 2.8478% | 2,667 |
| Net loans and leases to total assets | 66.3056% | 4,354 |
| Net loans and leases to deposits | 84.2923% | 3,602 |
| Net loans and leases to core deposits | 110.8224% | 3,144 |
| Total domestic deposits to total assets | 78.6615% | 5,913 |
| Equity capital to assets | 10.0462% | 4,031 |
| Core capital (leverage) ratio | 10.7269% | 2,619 |
| Tier 1 risk-based capital ratio | 13.6930% | 3,715 |
| Total risk-based capital ratio | 14.9462% | 3,666 |
| Memoranda: | ||
| Average total assets | $550,736,500 | 1,272 |
| Average earning assets | $507,002,250 | 1,253 |
| Average equity | $54,109,750 | 1,236 |
| Average total loans | $383,168,250 | 1,273 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 3,048 |
| Cost of funding earning assets | 1.8550% | 4,489 |
| Net interest margin | 3.9438% | 2,916 |
| Noninterest income to average assets | 0.9923% | 1,617 |
| Noninterest expense to average assets | 3.4632% | 2,450 |
| Loan and lease loss provision to assets | 0.4528% | 3,273 |
| Net operating income to assets | 0.5650% | 3,826 |
| Return on assets (ROA) | 0.6144% | 3,731 |
| Pretax return on assets | 0.7610% | 3,800 |
| Return on Equity (ROE) | 6.3031% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.3031% | 1,882 |
| Net charge-offs to loans | 0.0689% | 5,547 |
| Credit loss provision to net charge-offs | 934.0909% | 517 |
| Earnings coverage of net charge-offs (x) | 23.7803% | 1,177 |
| Efficiency ratio | 75.0259% | 3,870 |
| Assets per employee ($millions) | 3.8764% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 2,428 |
| Loan loss allowance to noncurrent loans | 67.5698% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 3,515 |
| Noncurrent loans to loans | 2.4782% | 2,924 |
| Net loans and leases to total assets | 70.3870% | 3,611 |
| Net loans and leases to deposits | 91.4543% | 2,578 |
| Net loans and leases to core deposits | 114.5735% | 2,847 |
| Total domestic deposits to total assets | 76.9641% | 6,340 |
| Equity capital to assets | 9.8460% | 4,155 |
| Core capital (leverage) ratio | 10.7789% | 2,584 |
| Tier 1 risk-based capital ratio | 14.6938% | 3,147 |
| Total risk-based capital ratio | 15.9485% | 3,082 |
| Memoranda: | ||
| Average total assets | $544,578,670 | 1,299 |
| Average earning assets | $500,378,330 | 1,286 |
| Average equity | $53,085,000 | 1,277 |
| Average total loans | $382,886,330 | 1,297 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 3,703 |
| Cost of funding earning assets | 1.9341% | 4,469 |
| Net interest margin | 3.7831% | 3,519 |
| Noninterest income to average assets | 0.8402% | 2,122 |
| Noninterest expense to average assets | 3.3318% | 2,559 |
| Loan and lease loss provision to assets | 0.2477% | 3,993 |
| Net operating income to assets | 0.6234% | 3,924 |
| Return on assets (ROA) | 0.6627% | 3,922 |
| Pretax return on assets | 0.7847% | 4,129 |
| Return on Equity (ROE) | 6.8322% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.8322% | 2,272 |
| Net charge-offs to loans | 0.0325% | 5,059 |
| Credit loss provision to net charge-offs | 1,093.5484% | 576 |
| Earnings coverage of net charge-offs (x) | 43.5161% | 799 |
| Efficiency ratio | 77.1704% | 3,299 |
| Assets per employee ($millions) | 3.8799% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,103 |
| Loan loss allowance to noncurrent loans | 36.9602% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 2.7825% | 2,036 |
| Noncurrent loans to loans | 3.9967% | 1,508 |
| Net loans and leases to total assets | 68.5913% | 4,001 |
| Net loans and leases to deposits | 88.0078% | 3,288 |
| Net loans and leases to core deposits | 112.8081% | 3,132 |
| Total domestic deposits to total assets | 77.9377% | 6,032 |
| Equity capital to assets | 9.3744% | 4,840 |
| Core capital (leverage) ratio | 10.3145% | 3,095 |
| Tier 1 risk-based capital ratio | 14.2135% | 3,468 |
| Total risk-based capital ratio | 15.4656% | 3,397 |
| Memoranda: | ||
| Average total assets | $547,458,000 | 1,297 |
| Average earning assets | $503,187,000 | 1,284 |
| Average equity | $53,101,500 | 1,278 |
| Average total loans | $381,470,500 | 1,310 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9719% | 5,688 |
| Cost of funding earning assets | 2.2166% | 5,523 |
| Net interest margin | 3.7553% | 4,204 |
| Noninterest income to average assets | 1.0675% | 1,377 |
| Noninterest expense to average assets | 3.4229% | 2,599 |
| Loan and lease loss provision to assets | 0.2539% | 4,380 |
| Net operating income to assets | 0.7164% | 3,820 |
| Return on assets (ROA) | -1.2476% | 7,308 |
| Pretax return on assets | -1.4616% | 7,237 |
| Return on Equity (ROE) | -10.6885% | 7,324 |
| Retained earnings to average equity (ytd only) | -10.6885% | 7,132 |
| Net charge-offs to loans | 0.0500% | 6,077 |
| Credit loss provision to net charge-offs | 750.5618% | 559 |
| Earnings coverage of net charge-offs (x) | 32.6067% | 1,105 |
| Efficiency ratio | 75.6319% | 3,296 |
| Assets per employee ($millions) | 3.8308% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 3,126 |
| Loan loss allowance to noncurrent loans | 80.7414% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 3,797 |
| Noncurrent loans to loans | 1.7492% | 3,143 |
| Net loans and leases to total assets | 68.7568% | 4,310 |
| Net loans and leases to deposits | 93.4994% | 2,855 |
| Net loans and leases to core deposits | 121.6289% | 2,544 |
| Total domestic deposits to total assets | 73.5371% | 6,730 |
| Equity capital to assets | 10.0291% | 4,003 |
| Core capital (leverage) ratio | 10.6432% | 2,869 |
| Tier 1 risk-based capital ratio | 14.7784% | 3,160 |
| Total risk-based capital ratio | 16.0300% | 3,084 |
| Memoranda: | ||
| Average total assets | $526,277,400 | 1,284 |
| Average earning assets | $484,652,400 | 1,271 |
| Average equity | $61,430,400 | 1,093 |
| Average total loans | $356,140,800 | 1,367 |