Home > Westbury Bank > Performance and Condition Ratios
Westbury 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 | 4.1868% | 3,650 |
| Cost of funding earning assets | 0.6472% | 4,003 |
| Net interest margin | 3.5396% | 2,092 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.3855% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9466% | 2,385 |
| Return on assets (ROA) | 0.8286% | 2,757 |
| Pretax return on assets | 1.3257% | 1,806 |
| Return on Equity (ROE) | 10.1500% | 2,458 |
| Retained earnings to average equity (ytd only) | 0.5526% | 3,947 |
| Net charge-offs to loans | 0.3729% | 286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 5.0821% | 2,545 |
| Efficiency ratio | 61.7918% | 2,861 |
| Assets per employee ($millions) | 8.1276% | 1,371 |
| Cash dividends to net income (ytd only)* | 94.5563% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,547 |
| Loan loss allowance to noncurrent loans | 3,497.2973% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 3,581 |
| Noncurrent loans to loans | 0.0271% | 3,548 |
| Net loans and leases to total assets | 79.2500% | 731 |
| Net loans and leases to deposits | 93.3501% | 989 |
| Net loans and leases to core deposits | 94.2692% | 1,755 |
| Total domestic deposits to total assets | 84.8900% | 2,342 |
| Equity capital to assets | 8.8411% | 2,792 |
| Core capital (leverage) ratio | 10.0238% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5220% | 2,056 |
| Memoranda: | ||
| Average total assets | $893,400,800 | 1,093 |
| Average earning assets | $832,092,000 | 1,077 |
| Average equity | $72,922,600 | 1,209 |
| Average total loans | $695,360,600 | 966 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,585 |
| Cost of funding earning assets | 0.5467% | 4,065 |
| Net interest margin | 3.5907% | 2,029 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.3505% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9333% | 2,572 |
| Return on assets (ROA) | 0.8293% | 2,920 |
| Pretax return on assets | 1.4406% | 1,691 |
| Return on Equity (ROE) | 10.3600% | 2,542 |
| Retained earnings to average equity (ytd only) | -0.3338% | 4,185 |
| Net charge-offs to loans | 0.4949% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.1084% | 2,415 |
| Efficiency ratio | 59.9195% | 2,974 |
| Assets per employee ($millions) | 8.3899% | 1,168 |
| Cash dividends to net income (ytd only)* | 103.2212% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 3,521 |
| Loan loss allowance to noncurrent loans | 4,536.5517% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,663 |
| Noncurrent loans to loans | 0.0212% | 3,611 |
| Net loans and leases to total assets | 78.2100% | 856 |
| Net loans and leases to deposits | 92.2678% | 1,029 |
| Net loans and leases to core deposits | 93.0652% | 1,728 |
| Total domestic deposits to total assets | 84.7600% | 2,576 |
| Equity capital to assets | 8.2537% | 2,884 |
| Core capital (leverage) ratio | 9.7587% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3727% | 2,127 |
| Memoranda: | ||
| Average total assets | $903,402,000 | 1,083 |
| Average earning assets | $841,563,250 | 1,069 |
| Average equity | $72,290,750 | 1,213 |
| Average total loans | $698,511,000 | 957 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 3,529 |
| Cost of funding earning assets | 0.4244% | 4,128 |
| Net interest margin | 3.6553% | 1,905 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.3272% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2395% | 1,718 |
| Return on assets (ROA) | 1.1343% | 2,016 |
| Pretax return on assets | 1.5204% | 1,556 |
| Return on Equity (ROE) | 14.3200% | 1,617 |
| Retained earnings to average equity (ytd only) | 1.6471% | 3,791 |
| Net charge-offs to loans | 0.7368% | 115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.9221% | 2,292 |
| Efficiency ratio | 58.4617% | 3,139 |
| Assets per employee ($millions) | 8.9126% | 939 |
| Cash dividends to net income (ytd only)* | 88.4956% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,596 |
| Loan loss allowance to noncurrent loans | 9,133.3333% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,775 |
| Noncurrent loans to loans | 0.0105% | 3,708 |
| Net loans and leases to total assets | 75.8000% | 1,078 |
| Net loans and leases to deposits | 89.7211% | 1,207 |
| Net loans and leases to core deposits | 90.3724% | 1,774 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 8.1277% | 3,135 |
| Core capital (leverage) ratio | 9.7314% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4827% | 2,103 |
| Memoranda: | ||
| Average total assets | $916,482,000 | 1,061 |
| Average earning assets | $853,884,667 | 1,048 |
| Average equity | $72,612,667 | 1,205 |
| Average total loans | $703,872,667 | 937 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,414 |
| Cost of funding earning assets | 0.2732% | 4,250 |
| Net interest margin | 3.7460% | 1,798 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.2919% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4077% | 1,388 |
| Return on assets (ROA) | 1.2273% | 1,831 |
| Pretax return on assets | 1.6491% | 1,370 |
| Return on Equity (ROE) | 15.6900% | 1,422 |
| Retained earnings to average equity (ytd only) | -4.7721% | 4,320 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9699% | 3,508 |
| Assets per employee ($millions) | 9.1000% | 903 |
| Cash dividends to net income (ytd only)* | 130.4195% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 1,997 |
| Loan loss allowance to noncurrent loans | 101.8889% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 418 |
| Noncurrent loans to loans | 1.2835% | 523 |
| Net loans and leases to total assets | 76.0500% | 967 |
| Net loans and leases to deposits | 85.6731% | 1,381 |
| Net loans and leases to core deposits | 86.1493% | 1,854 |
| Total domestic deposits to total assets | 88.7700% | 1,632 |
| Equity capital to assets | 8.0232% | 3,225 |
| Core capital (leverage) ratio | 9.2267% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8966% | 2,426 |
| Memoranda: | ||
| Average total assets | $924,637,500 | 1,068 |
| Average earning assets | $862,260,500 | 1,053 |
| Average equity | $72,337,500 | 1,221 |
| Average total loans | $711,352,000 | 939 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 3,230 |
| Cost of funding earning assets | 0.1041% | 4,375 |
| Net interest margin | 3.3377% | 2,462 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.2760% | 2,816 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9802% | 2,639 |
| Return on assets (ROA) | 0.9757% | 2,598 |
| Pretax return on assets | 1.3497% | 1,933 |
| Return on Equity (ROE) | 11.8800% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.1667% | 4,317 |
| Net charge-offs to loans | 0.0289% | 1,488 |
| Credit loss provision to net charge-offs | 186.5672% | 1,165 |
| Earnings coverage of net charge-offs (x) | 64.9154% | 1,200 |
| Efficiency ratio | 61.9902% | 2,767 |
| Assets per employee ($millions) | 9.4877% | 785 |
| Cash dividends to net income (ytd only)* | 98.5970% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,034 |
| Loan loss allowance to noncurrent loans | 101.9229% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 451 |
| Noncurrent loans to loans | 1.2470% | 558 |
| Net loans and leases to total assets | 75.8400% | 1,026 |
| Net loans and leases to deposits | 84.0194% | 1,475 |
| Net loans and leases to core deposits | 84.6158% | 1,839 |
| Total domestic deposits to total assets | 90.2600% | 1,257 |
| Equity capital to assets | 7.6297% | 3,308 |
| Core capital (leverage) ratio | 9.0722% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8412% | 2,437 |
| Memoranda: | ||
| Average total assets | $934,989,800 | 1,041 |
| Average earning assets | $874,007,200 | 1,021 |
| Average equity | $76,794,600 | 1,165 |
| Average total loans | $696,554,400 | 916 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2824% | 3,230 |
| Cost of funding earning assets | 0.0915% | 4,340 |
| Net interest margin | 3.1909% | 2,651 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.2904% | 2,653 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8647% | 3,019 |
| Return on assets (ROA) | 0.8587% | 3,011 |
| Pretax return on assets | 1.2004% | 2,365 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 1.8016% | 4,070 |
| Net charge-offs to loans | 0.0195% | 1,446 |
| Credit loss provision to net charge-offs | 371.2871% | 735 |
| Earnings coverage of net charge-offs (x) | 87.4851% | 1,007 |
| Efficiency ratio | 64.4841% | 2,483 |
| Assets per employee ($millions) | 9.6779% | 712 |
| Cash dividends to net income (ytd only)* | 82.4605% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,119 |
| Loan loss allowance to noncurrent loans | 102.1150% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 480 |
| Noncurrent loans to loans | 1.2556% | 582 |
| Net loans and leases to total assets | 74.4900% | 1,056 |
| Net loans and leases to deposits | 81.4353% | 1,490 |
| Net loans and leases to core deposits | 82.0522% | 1,760 |
| Total domestic deposits to total assets | 91.4700% | 1,058 |
| Equity capital to assets | 7.4302% | 3,259 |
| Core capital (leverage) ratio | 9.0428% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9666% | 2,491 |
| Memoranda: | ||
| Average total assets | $933,917,750 | 1,050 |
| Average earning assets | $874,463,250 | 1,032 |
| Average equity | $78,077,250 | 1,168 |
| Average total loans | $690,319,750 | 918 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 3,237 |
| Cost of funding earning assets | 0.0921% | 4,274 |
| Net interest margin | 3.0387% | 2,765 |
| Noninterest income to average assets | 0.5629% | 1,892 |
| Noninterest expense to average assets | 2.3526% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7543% | 3,126 |
| Return on assets (ROA) | 0.7453% | 3,115 |
| Pretax return on assets | 1.0488% | 2,573 |
| Return on Equity (ROE) | 8.5850% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.9675% | 2,000 |
| Net charge-offs to loans | -0.0071% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9347% | 2,112 |
| Assets per employee ($millions) | 8.6734% | 995 |
| Cash dividends to net income (ytd only)* | 18.8406% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,284 |
| Loan loss allowance to noncurrent loans | 99.3939% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 509 |
| Noncurrent loans to loans | 1.2864% | 615 |
| Net loans and leases to total assets | 72.9964% | 1,006 |
| Net loans and leases to deposits | 80.3521% | 1,360 |
| Net loans and leases to core deposits | 80.9795% | 1,658 |
| Total domestic deposits to total assets | 90.8456% | 1,310 |
| Equity capital to assets | 8.0903% | 3,047 |
| Core capital (leverage) ratio | 9.5816% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5542% | 2,270 |
| Memoranda: | ||
| Average total assets | $925,851,333 | 1,054 |
| Average earning assets | $868,319,000 | 1,044 |
| Average equity | $80,373,000 | 1,154 |
| Average total loans | $679,428,333 | 916 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 2,859 |
| Cost of funding earning assets | 0.0972% | 4,166 |
| Net interest margin | 3.0408% | 2,362 |
| Noninterest income to average assets | 0.5822% | 1,769 |
| Noninterest expense to average assets | 2.4051% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7296% | 2,939 |
| Return on assets (ROA) | 0.7296% | 2,930 |
| Pretax return on assets | 1.0306% | 2,349 |
| Return on Equity (ROE) | 8.1156% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.1156% | 1,545 |
| Net charge-offs to loans | -0.0132% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0038% | 2,232 |
| Assets per employee ($millions) | 8.9042% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 2,036 |
| Loan loss allowance to noncurrent loans | 100.6360% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 518 |
| Noncurrent loans to loans | 1.3598% | 637 |
| Net loans and leases to total assets | 71.5713% | 872 |
| Net loans and leases to deposits | 79.3628% | 1,190 |
| Net loans and leases to core deposits | 80.0436% | 1,476 |
| Total domestic deposits to total assets | 90.1824% | 1,455 |
| Equity capital to assets | 8.7710% | 2,913 |
| Core capital (leverage) ratio | 9.5910% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8031% | 2,302 |
| Memoranda: | ||
| Average total assets | $911,737,500 | 1,068 |
| Average earning assets | $855,566,500 | 1,063 |
| Average equity | $81,965,500 | 1,172 |
| Average total loans | $666,411,000 | 919 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 3,209 |
| Cost of funding earning assets | 0.1434% | 4,030 |
| Net interest margin | 3.1596% | 2,711 |
| Noninterest income to average assets | 0.8751% | 1,269 |
| Noninterest expense to average assets | 2.3784% | 2,559 |
| Loan and lease loss provision to assets | 0.0550% | 1,951 |
| Net operating income to assets | 1.0109% | 2,627 |
| Return on assets (ROA) | 1.0243% | 2,653 |
| Pretax return on assets | 1.4231% | 1,967 |
| Return on Equity (ROE) | 11.1262% | 2,122 |
| Retained earnings to average equity (ytd only) | 0.1889% | 4,443 |
| Net charge-offs to loans | -0.0018% | 3,345 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9419% | 2,878 |
| Assets per employee ($millions) | 8.8859% | 956 |
| Cash dividends to net income (ytd only)* | 98.3025% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,206 |
| Loan loss allowance to noncurrent loans | 100.9878% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 581 |
| Noncurrent loans to loans | 1.3223% | 706 |
| Net loans and leases to total assets | 72.6335% | 793 |
| Net loans and leases to deposits | 81.0124% | 1,134 |
| Net loans and leases to core deposits | 81.7585% | 1,479 |
| Total domestic deposits to total assets | 89.6573% | 1,139 |
| Equity capital to assets | 9.2074% | 3,413 |
| Core capital (leverage) ratio | 9.2741% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4481% | 2,477 |
| Memoranda: | ||
| Average total assets | $908,762,200 | 1,039 |
| Average earning assets | $852,683,000 | 1,032 |
| Average equity | $83,658,400 | 1,162 |
| Average total loans | $664,871,400 | 917 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 3,293 |
| Cost of funding earning assets | 0.1494% | 4,113 |
| Net interest margin | 3.1854% | 2,773 |
| Noninterest income to average assets | 0.9468% | 1,156 |
| Noninterest expense to average assets | 2.4207% | 2,371 |
| Loan and lease loss provision to assets | 0.0735% | 1,573 |
| Net operating income to assets | 1.0304% | 2,803 |
| Return on assets (ROA) | 1.0303% | 2,865 |
| Pretax return on assets | 1.4416% | 2,180 |
| Return on Equity (ROE) | 11.1926% | 2,314 |
| Retained earnings to average equity (ytd only) | -1.0219% | 4,663 |
| Net charge-offs to loans | -0.0020% | 3,220 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5034% | 2,770 |
| Assets per employee ($millions) | 8.7770% | 964 |
| Cash dividends to net income (ytd only)* | 109.1298% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,342 |
| Loan loss allowance to noncurrent loans | 102.5773% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 709 |
| Noncurrent loans to loans | 1.2960% | 836 |
| Net loans and leases to total assets | 72.4457% | 827 |
| Net loans and leases to deposits | 81.7186% | 1,134 |
| Net loans and leases to core deposits | 82.7226% | 1,519 |
| Total domestic deposits to total assets | 88.6526% | 1,488 |
| Equity capital to assets | 9.1414% | 3,709 |
| Core capital (leverage) ratio | 9.2203% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4044% | 2,581 |
| Memoranda: | ||
| Average total assets | $907,140,250 | 1,049 |
| Average earning assets | $851,237,750 | 1,042 |
| Average equity | $83,505,250 | 1,181 |
| Average total loans | $662,645,500 | 939 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 3,430 |
| Cost of funding earning assets | 0.1544% | 4,170 |
| Net interest margin | 3.1436% | 2,910 |
| Noninterest income to average assets | 0.9950% | 1,080 |
| Noninterest expense to average assets | 2.3834% | 2,523 |
| Loan and lease loss provision to assets | 0.1108% | 1,140 |
| Net operating income to assets | 1.0371% | 2,766 |
| Return on assets (ROA) | 1.0369% | 2,845 |
| Pretax return on assets | 1.4483% | 2,181 |
| Return on Equity (ROE) | 11.2373% | 2,327 |
| Retained earnings to average equity (ytd only) | -3.5360% | 4,739 |
| Net charge-offs to loans | -0.0024% | 3,237 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4509% | 2,949 |
| Assets per employee ($millions) | 8.3851% | 1,046 |
| Cash dividends to net income (ytd only)* | 131.4664% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,105 |
| Loan loss allowance to noncurrent loans | 102.5430% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 788 |
| Noncurrent loans to loans | 1.3370% | 874 |
| Net loans and leases to total assets | 71.4338% | 1,031 |
| Net loans and leases to deposits | 79.7546% | 1,449 |
| Net loans and leases to core deposits | 81.0427% | 1,797 |
| Total domestic deposits to total assets | 89.5671% | 993 |
| Equity capital to assets | 9.2318% | 3,579 |
| Core capital (leverage) ratio | 9.1622% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4177% | 2,572 |
| Memoranda: | ||
| Average total assets | $902,324,333 | 1,049 |
| Average earning assets | $846,091,667 | 1,041 |
| Average equity | $83,258,333 | 1,181 |
| Average total loans | $657,978,667 | 946 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3011% | 3,442 |
| Cost of funding earning assets | 0.1637% | 4,211 |
| Net interest margin | 3.1374% | 2,882 |
| Noninterest income to average assets | 0.9926% | 1,143 |
| Noninterest expense to average assets | 2.3853% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1079% | 2,447 |
| Return on assets (ROA) | 1.1076% | 2,528 |
| Pretax return on assets | 1.5428% | 1,874 |
| Return on Equity (ROE) | 12.0068% | 2,013 |
| Retained earnings to average equity (ytd only) | -12.0646% | 4,844 |
| Net charge-offs to loans | -0.0024% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7167% | 2,948 |
| Assets per employee ($millions) | 8.8498% | 879 |
| Cash dividends to net income (ytd only)* | 200.4812% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,441 |
| Loan loss allowance to noncurrent loans | 98.0365% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 539 |
| Noncurrent loans to loans | 1.3248% | 980 |
| Net loans and leases to total assets | 72.1677% | 995 |
| Net loans and leases to deposits | 80.9520% | 1,428 |
| Net loans and leases to core deposits | 82.3798% | 1,813 |
| Total domestic deposits to total assets | 89.1488% | 1,268 |
| Equity capital to assets | 9.0957% | 3,597 |
| Core capital (leverage) ratio | 9.2078% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3407% | 2,550 |
| Memoranda: | ||
| Average total assets | $900,688,500 | 1,037 |
| Average earning assets | $842,860,000 | 1,034 |
| Average equity | $83,086,000 | 1,171 |
| Average total loans | $659,021,000 | 935 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 3,537 |
| Cost of funding earning assets | 0.4117% | 3,509 |
| Net interest margin | 3.3050% | 3,059 |
| Noninterest income to average assets | 0.9027% | 1,259 |
| Noninterest expense to average assets | 2.5294% | 2,756 |
| Loan and lease loss provision to assets | 0.2028% | 1,935 |
| Net operating income to assets | 0.9069% | 2,664 |
| Return on assets (ROA) | 0.9675% | 2,554 |
| Pretax return on assets | 1.3361% | 1,863 |
| Return on Equity (ROE) | 10.1953% | 1,935 |
| Retained earnings to average equity (ytd only) | 0.5267% | 4,363 |
| Net charge-offs to loans | 0.0393% | 2,267 |
| Credit loss provision to net charge-offs | 663.5338% | 1,033 |
| Earnings coverage of net charge-offs (x) | 47.8421% | 1,240 |
| Efficiency ratio | 63.3668% | 2,917 |
| Assets per employee ($millions) | 8.4817% | 898 |
| Cash dividends to net income (ytd only)* | 94.8337% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,533 |
| Loan loss allowance to noncurrent loans | 95.9842% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 583 |
| Noncurrent loans to loans | 1.3303% | 1,018 |
| Net loans and leases to total assets | 72.2841% | 1,258 |
| Net loans and leases to deposits | 81.4608% | 1,714 |
| Net loans and leases to core deposits | 83.0494% | 2,117 |
| Total domestic deposits to total assets | 88.7349% | 1,100 |
| Equity capital to assets | 9.3518% | 3,739 |
| Core capital (leverage) ratio | 9.4027% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5253% | 2,436 |
| Memoranda: | ||
| Average total assets | $870,293,600 | 993 |
| Average earning assets | $813,415,600 | 987 |
| Average equity | $82,587,000 | 1,125 |
| Average total loans | $676,790,400 | 891 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 3,794 |
| Cost of funding earning assets | 0.4785% | 3,367 |
| Net interest margin | 3.2251% | 3,411 |
| Noninterest income to average assets | 0.8437% | 1,368 |
| Noninterest expense to average assets | 2.5208% | 2,777 |
| Loan and lease loss provision to assets | 0.1882% | 2,101 |
| Net operating income to assets | 0.8259% | 2,995 |
| Return on assets (ROA) | 0.8708% | 2,947 |
| Pretax return on assets | 1.2056% | 2,371 |
| Return on Equity (ROE) | 9.1411% | 2,339 |
| Retained earnings to average equity (ytd only) | -2.5393% | 4,742 |
| Net charge-offs to loans | 0.0575% | 1,788 |
| Credit loss provision to net charge-offs | 414.6758% | 1,437 |
| Earnings coverage of net charge-offs (x) | 29.4642% | 1,601 |
| Efficiency ratio | 65.3446% | 2,541 |
| Assets per employee ($millions) | 7.9965% | 994 |
| Cash dividends to net income (ytd only)* | 127.7788% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,085 |
| Loan loss allowance to noncurrent loans | 90.1402% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 696 |
| Noncurrent loans to loans | 1.2451% | 1,219 |
| Net loans and leases to total assets | 78.4895% | 772 |
| Net loans and leases to deposits | 89.3240% | 1,339 |
| Net loans and leases to core deposits | 91.3797% | 1,848 |
| Total domestic deposits to total assets | 87.8705% | 1,277 |
| Equity capital to assets | 9.3331% | 3,832 |
| Core capital (leverage) ratio | 9.0345% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2496% | 2,514 |
| Memoranda: | ||
| Average total assets | $860,981,000 | 991 |
| Average earning assets | $804,635,750 | 986 |
| Average equity | $82,015,750 | 1,122 |
| Average total loans | $679,864,250 | 884 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 3,875 |
| Cost of funding earning assets | 0.5478% | 3,254 |
| Net interest margin | 3.2444% | 3,542 |
| Noninterest income to average assets | 0.7497% | 1,580 |
| Noninterest expense to average assets | 2.4997% | 2,958 |
| Loan and lease loss provision to assets | 0.1505% | 2,500 |
| Net operating income to assets | 0.8122% | 3,001 |
| Return on assets (ROA) | 0.8443% | 3,000 |
| Pretax return on assets | 1.1707% | 2,461 |
| Return on Equity (ROE) | 8.8010% | 2,451 |
| Retained earnings to average equity (ytd only) | -5.9652% | 4,812 |
| Net charge-offs to loans | -0.0015% | 3,785 |
| Credit loss provision to net charge-offs | -12,820.0000% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1244% | 2,500 |
| Assets per employee ($millions) | 8.2398% | 891 |
| Cash dividends to net income (ytd only)* | 167.7787% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,009 |
| Loan loss allowance to noncurrent loans | 86.5502% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 797 |
| Noncurrent loans to loans | 1.2796% | 1,217 |
| Net loans and leases to total assets | 75.1852% | 1,251 |
| Net loans and leases to deposits | 86.2355% | 1,738 |
| Net loans and leases to core deposits | 88.4351% | 2,205 |
| Total domestic deposits to total assets | 87.1859% | 1,551 |
| Equity capital to assets | 9.0149% | 4,078 |
| Core capital (leverage) ratio | 8.9968% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3758% | 2,454 |
| Memoranda: | ||
| Average total assets | $852,105,667 | 980 |
| Average earning assets | $795,955,333 | 974 |
| Average equity | $81,740,667 | 1,118 |
| Average total loans | $671,623,667 | 880 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,719 |
| Cost of funding earning assets | 0.6673% | 3,075 |
| Net interest margin | 3.3575% | 3,429 |
| Noninterest income to average assets | 0.6982% | 1,657 |
| Noninterest expense to average assets | 2.5892% | 3,008 |
| Loan and lease loss provision to assets | 0.0436% | 3,232 |
| Net operating income to assets | 0.8562% | 2,678 |
| Return on assets (ROA) | 0.9052% | 2,613 |
| Pretax return on assets | 1.2597% | 1,992 |
| Return on Equity (ROE) | 9.1344% | 2,054 |
| Retained earnings to average equity (ytd only) | -11.7079% | 4,819 |
| Net charge-offs to loans | -0.0018% | 3,638 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5949% | 2,736 |
| Assets per employee ($millions) | 7.4414% | 917 |
| Cash dividends to net income (ytd only)* | 228.1735% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,301 |
| Loan loss allowance to noncurrent loans | 84.6853% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 816 |
| Noncurrent loans to loans | 1.2777% | 1,279 |
| Net loans and leases to total assets | 79.0503% | 817 |
| Net loans and leases to deposits | 91.3575% | 1,359 |
| Net loans and leases to core deposits | 94.1934% | 1,956 |
| Total domestic deposits to total assets | 86.5285% | 1,763 |
| Equity capital to assets | 9.9384% | 3,849 |
| Core capital (leverage) ratio | 9.6501% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7066% | 2,840 |
| Memoranda: | ||
| Average total assets | $824,968,000 | 983 |
| Average earning assets | $769,617,500 | 970 |
| Average equity | $81,756,500 | 1,116 |
| Average total loans | $662,887,500 | 870 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 3,978 |
| Cost of funding earning assets | 0.8245% | 2,567 |
| Net interest margin | 3.3059% | 3,977 |
| Noninterest income to average assets | 0.6944% | 1,841 |
| Noninterest expense to average assets | 2.5218% | 3,388 |
| Loan and lease loss provision to assets | 0.0548% | 2,933 |
| Net operating income to assets | 0.8866% | 3,265 |
| Return on assets (ROA) | 0.8820% | 3,359 |
| Pretax return on assets | 1.2160% | 2,782 |
| Return on Equity (ROE) | 9.1999% | 2,658 |
| Retained earnings to average equity (ytd only) | 0.4548% | 4,558 |
| Net charge-offs to loans | -0.0064% | 4,376 |
| Credit loss provision to net charge-offs | -1,069.7674% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3906% | 2,708 |
| Assets per employee ($millions) | 7.2294% | 962 |
| Cash dividends to net income (ytd only)* | 95.0561% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,272 |
| Loan loss allowance to noncurrent loans | 77.2702% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 1,135 |
| Noncurrent loans to loans | 1.3461% | 1,107 |
| Net loans and leases to total assets | 79.9442% | 802 |
| Net loans and leases to deposits | 92.2602% | 1,336 |
| Net loans and leases to core deposits | 95.3786% | 1,951 |
| Total domestic deposits to total assets | 86.6508% | 1,781 |
| Equity capital to assets | 9.8825% | 4,028 |
| Core capital (leverage) ratio | 9.6751% | 3,873 |
| Tier 1 risk-based capital ratio | 11.6033% | 4,574 |
| Total risk-based capital ratio | 12.5954% | 4,592 |
| Memoranda: | ||
| Average total assets | $839,333,800 | 937 |
| Average earning assets | $788,074,400 | 919 |
| Average equity | $80,468,400 | 1,089 |
| Average total loans | $671,095,800 | 837 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 4,012 |
| Cost of funding earning assets | 0.8401% | 2,511 |
| Net interest margin | 3.3207% | 4,055 |
| Noninterest income to average assets | 0.6762% | 1,885 |
| Noninterest expense to average assets | 2.5252% | 3,365 |
| Loan and lease loss provision to assets | 0.0634% | 2,622 |
| Net operating income to assets | 0.8811% | 3,412 |
| Return on assets (ROA) | 0.8745% | 3,513 |
| Pretax return on assets | 1.2006% | 2,978 |
| Return on Equity (ROE) | 9.1913% | 2,807 |
| Retained earnings to average equity (ytd only) | 0.3015% | 4,707 |
| Net charge-offs to loans | -0.0014% | 4,020 |
| Credit loss provision to net charge-offs | -5,714.2857% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4942% | 2,664 |
| Assets per employee ($millions) | 7.3595% | 896 |
| Cash dividends to net income (ytd only)* | 96.7198% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,296 |
| Loan loss allowance to noncurrent loans | 1,011.7474% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 4,323 |
| Noncurrent loans to loans | 0.1036% | 4,176 |
| Net loans and leases to total assets | 76.1815% | 1,444 |
| Net loans and leases to deposits | 88.7477% | 1,837 |
| Net loans and leases to core deposits | 92.0293% | 2,368 |
| Total domestic deposits to total assets | 85.8405% | 2,061 |
| Equity capital to assets | 9.5687% | 4,410 |
| Core capital (leverage) ratio | 9.5949% | 4,067 |
| Tier 1 risk-based capital ratio | 11.7968% | 4,520 |
| Total risk-based capital ratio | 12.7994% | 4,548 |
| Memoranda: | ||
| Average total assets | $841,320,750 | 938 |
| Average earning assets | $790,824,500 | 913 |
| Average equity | $80,045,000 | 1,084 |
| Average total loans | $670,962,000 | 840 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,935 |
| Cost of funding earning assets | 0.8373% | 2,462 |
| Net interest margin | 3.3588% | 4,013 |
| Noninterest income to average assets | 0.6312% | 2,019 |
| Noninterest expense to average assets | 2.5413% | 3,350 |
| Loan and lease loss provision to assets | 0.0717% | 2,381 |
| Net operating income to assets | 0.8633% | 3,420 |
| Return on assets (ROA) | 0.8469% | 3,543 |
| Pretax return on assets | 1.1570% | 3,050 |
| Return on Equity (ROE) | 8.9185% | 2,888 |
| Retained earnings to average equity (ytd only) | 0.6239% | 4,530 |
| Net charge-offs to loans | -0.0012% | 3,908 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0406% | 2,678 |
| Assets per employee ($millions) | 7.1144% | 950 |
| Cash dividends to net income (ytd only)* | 93.0042% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,503 |
| Loan loss allowance to noncurrent loans | 986.4826% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,286 |
| Noncurrent loans to loans | 0.1034% | 4,205 |
| Net loans and leases to total assets | 77.8223% | 1,255 |
| Net loans and leases to deposits | 90.8221% | 1,653 |
| Net loans and leases to core deposits | 94.3794% | 2,220 |
| Total domestic deposits to total assets | 85.6865% | 2,184 |
| Equity capital to assets | 9.5547% | 4,353 |
| Core capital (leverage) ratio | 9.6806% | 3,952 |
| Tier 1 risk-based capital ratio | 11.6580% | 4,605 |
| Total risk-based capital ratio | 12.6384% | 4,637 |
| Memoranda: | ||
| Average total assets | $837,195,000 | 934 |
| Average earning assets | $787,534,670 | 916 |
| Average equity | $79,497,330 | 1,086 |
| Average total loans | $675,532,670 | 837 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 4,007 |
| Cost of funding earning assets | 0.8359% | 2,347 |
| Net interest margin | 3.3128% | 4,133 |
| Noninterest income to average assets | 0.6025% | 2,032 |
| Noninterest expense to average assets | 2.4985% | 3,511 |
| Loan and lease loss provision to assets | 0.1441% | 1,184 |
| Net operating income to assets | 0.7981% | 3,629 |
| Return on assets (ROA) | 0.7712% | 3,760 |
| Pretax return on assets | 1.0470% | 3,294 |
| Return on Equity (ROE) | 8.1472% | 3,194 |
| Retained earnings to average equity (ytd only) | 0.8680% | 4,347 |
| Net charge-offs to loans | -0.0012% | 3,813 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0968% | 2,782 |
| Assets per employee ($millions) | 6.9230% | 1,033 |
| Cash dividends to net income (ytd only)* | 89.3458% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,664 |
| Loan loss allowance to noncurrent loans | 3,627.8075% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,740 |
| Noncurrent loans to loans | 0.0277% | 4,657 |
| Net loans and leases to total assets | 81.1000% | 698 |
| Net loans and leases to deposits | 94.8995% | 1,071 |
| Net loans and leases to core deposits | 98.5230% | 1,742 |
| Total domestic deposits to total assets | 85.4588% | 2,500 |
| Equity capital to assets | 9.6514% | 4,130 |
| Core capital (leverage) ratio | 9.6082% | 4,015 |
| Tier 1 risk-based capital ratio | 11.8165% | 4,557 |
| Total risk-based capital ratio | 12.8157% | 4,591 |
| Memoranda: | ||
| Average total assets | $832,488,000 | 944 |
| Average earning assets | $784,346,000 | 921 |
| Average equity | $78,800,500 | 1,092 |
| Average total loans | $680,480,000 | 835 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 4,003 |
| Cost of funding earning assets | 0.7038% | 2,067 |
| Net interest margin | 3.3057% | 4,240 |
| Noninterest income to average assets | 0.6957% | 1,866 |
| Noninterest expense to average assets | 2.6223% | 3,265 |
| Loan and lease loss provision to assets | 0.1042% | 2,108 |
| Net operating income to assets | 0.7463% | 3,980 |
| Return on assets (ROA) | 0.7404% | 4,003 |
| Pretax return on assets | 1.0382% | 3,481 |
| Return on Equity (ROE) | 7.9577% | 3,457 |
| Retained earnings to average equity (ytd only) | 2.6991% | 4,053 |
| Net charge-offs to loans | 0.0203% | 3,023 |
| Credit loss provision to net charge-offs | 643.9394% | 534 |
| Earnings coverage of net charge-offs (x) | 71.0455% | 928 |
| Efficiency ratio | 69.5163% | 2,280 |
| Assets per employee ($millions) | 7.2512% | 881 |
| Cash dividends to net income (ytd only)* | 66.0815% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,973 |
| Loan loss allowance to noncurrent loans | 3,430.1587% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,766 |
| Noncurrent loans to loans | 0.0275% | 4,647 |
| Net loans and leases to total assets | 80.7906% | 825 |
| Net loans and leases to deposits | 98.1754% | 881 |
| Net loans and leases to core deposits | 102.1624% | 1,567 |
| Total domestic deposits to total assets | 82.2921% | 3,556 |
| Equity capital to assets | 9.2838% | 4,334 |
| Core capital (leverage) ratio | 9.5721% | 4,037 |
| Tier 1 risk-based capital ratio | 11.3955% | 4,775 |
| Total risk-based capital ratio | 12.3289% | 4,832 |
| Memoranda: | ||
| Average total assets | $815,530,200 | 937 |
| Average earning assets | $758,998,000 | 927 |
| Average equity | $75,875,800 | 1,078 |
| Average total loans | $649,323,800 | 840 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 4,064 |
| Cost of funding earning assets | 0.6780% | 1,984 |
| Net interest margin | 3.2761% | 4,345 |
| Noninterest income to average assets | 0.6929% | 1,893 |
| Noninterest expense to average assets | 2.6769% | 3,041 |
| Loan and lease loss provision to assets | 0.0659% | 2,658 |
| Net operating income to assets | 0.6999% | 4,221 |
| Return on assets (ROA) | 0.6909% | 4,261 |
| Pretax return on assets | 0.9786% | 3,783 |
| Return on Equity (ROE) | 7.4221% | 3,776 |
| Retained earnings to average equity (ytd only) | 1.9347% | 4,600 |
| Net charge-offs to loans | 0.0150% | 2,883 |
| Credit loss provision to net charge-offs | 555.5556% | 639 |
| Earnings coverage of net charge-offs (x) | 88.9978% | 826 |
| Efficiency ratio | 71.7124% | 1,932 |
| Assets per employee ($millions) | 6.7536% | 1,046 |
| Cash dividends to net income (ytd only)* | 73.9327% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,167 |
| Loan loss allowance to noncurrent loans | 106.1694% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 2,076 |
| Noncurrent loans to loans | 0.8704% | 1,963 |
| Net loans and leases to total assets | 79.9275% | 1,030 |
| Net loans and leases to deposits | 95.8284% | 1,175 |
| Net loans and leases to core deposits | 100.3421% | 1,758 |
| Total domestic deposits to total assets | 83.4069% | 3,162 |
| Equity capital to assets | 9.2693% | 4,308 |
| Core capital (leverage) ratio | 9.6190% | 4,033 |
| Tier 1 risk-based capital ratio | 11.5711% | 4,751 |
| Total risk-based capital ratio | 12.4697% | 4,835 |
| Memoranda: | ||
| Average total assets | $809,129,000 | 944 |
| Average earning assets | $750,799,500 | 934 |
| Average equity | $75,322,500 | 1,083 |
| Average total loans | $640,144,500 | 847 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 4,159 |
| Cost of funding earning assets | 0.6482% | 1,933 |
| Net interest margin | 3.2200% | 4,461 |
| Noninterest income to average assets | 0.7048% | 1,854 |
| Noninterest expense to average assets | 2.6752% | 3,096 |
| Loan and lease loss provision to assets | 0.0496% | 2,922 |
| Net operating income to assets | 0.6795% | 4,250 |
| Return on assets (ROA) | 0.6736% | 4,278 |
| Pretax return on assets | 0.9513% | 3,801 |
| Return on Equity (ROE) | 7.2252% | 3,824 |
| Retained earnings to average equity (ytd only) | 1.6387% | 4,593 |
| Net charge-offs to loans | 0.0234% | 2,401 |
| Credit loss provision to net charge-offs | 270.2703% | 1,088 |
| Earnings coverage of net charge-offs (x) | 54.9459% | 1,060 |
| Efficiency ratio | 72.6251% | 1,898 |
| Assets per employee ($millions) | 6.6259% | 1,118 |
| Cash dividends to net income (ytd only)* | 77.3196% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,279 |
| Loan loss allowance to noncurrent loans | 2,901.9704% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,903 |
| Noncurrent loans to loans | 0.0315% | 4,778 |
| Net loans and leases to total assets | 79.1177% | 1,147 |
| Net loans and leases to deposits | 94.7601% | 1,277 |
| Net loans and leases to core deposits | 99.9149% | 1,745 |
| Total domestic deposits to total assets | 83.4927% | 3,252 |
| Equity capital to assets | 9.3360% | 4,252 |
| Core capital (leverage) ratio | 9.5579% | 4,053 |
| Tier 1 risk-based capital ratio | 11.5260% | 4,774 |
| Total risk-based capital ratio | 12.4000% | 4,877 |
| Memoranda: | ||
| Average total assets | $806,444,000 | 948 |
| Average earning assets | $746,035,670 | 943 |
| Average equity | $75,181,000 | 1,084 |
| Average total loans | $633,777,000 | 856 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 4,255 |
| Cost of funding earning assets | 0.6096% | 1,989 |
| Net interest margin | 3.1777% | 4,536 |
| Noninterest income to average assets | 0.7052% | 1,806 |
| Noninterest expense to average assets | 2.7149% | 2,996 |
| Loan and lease loss provision to assets | 0.0248% | 3,193 |
| Net operating income to assets | 0.6386% | 4,316 |
| Return on assets (ROA) | 0.6386% | 4,330 |
| Pretax return on assets | 0.8959% | 3,866 |
| Return on Equity (ROE) | 6.8552% | 3,840 |
| Retained earnings to average equity (ytd only) | -1.6738% | 4,981 |
| Net charge-offs to loans | 0.0312% | 1,878 |
| Credit loss provision to net charge-offs | 102.0408% | 1,520 |
| Earnings coverage of net charge-offs (x) | 37.8367% | 1,098 |
| Efficiency ratio | 74.6756% | 1,799 |
| Assets per employee ($millions) | 6.6220% | 1,137 |
| Cash dividends to net income (ytd only)* | 124.4168% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,410 |
| Loan loss allowance to noncurrent loans | 2,506.5217% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,967 |
| Noncurrent loans to loans | 0.0363% | 4,808 |
| Net loans and leases to total assets | 78.4412% | 1,171 |
| Net loans and leases to deposits | 92.6389% | 1,373 |
| Net loans and leases to core deposits | 97.9641% | 1,836 |
| Total domestic deposits to total assets | 84.6741% | 3,039 |
| Equity capital to assets | 9.2920% | 4,272 |
| Core capital (leverage) ratio | 9.6400% | 3,916 |
| Tier 1 risk-based capital ratio | 11.2614% | 4,999 |
| Total risk-based capital ratio | 12.1102% | 5,107 |
| Memoranda: | ||
| Average total assets | $805,488,000 | 956 |
| Average earning assets | $742,802,000 | 956 |
| Average equity | $75,037,500 | 1,095 |
| Average total loans | $627,943,500 | 869 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,311 |
| Cost of funding earning assets | 0.5389% | 2,043 |
| Net interest margin | 3.1702% | 4,521 |
| Noninterest income to average assets | 0.7791% | 1,645 |
| Noninterest expense to average assets | 2.9098% | 2,421 |
| Loan and lease loss provision to assets | 0.0321% | 3,628 |
| Net operating income to assets | 0.3713% | 4,783 |
| Return on assets (ROA) | 0.3727% | 4,796 |
| Pretax return on assets | 0.7284% | 4,441 |
| Return on Equity (ROE) | 3.9106% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.5617% | 3,787 |
| Net charge-offs to loans | -0.0108% | 4,805 |
| Credit loss provision to net charge-offs | -396.8254% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3257% | 1,179 |
| Assets per employee ($millions) | 6.6370% | 1,132 |
| Cash dividends to net income (ytd only)* | 34.4947% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,332 |
| Loan loss allowance to noncurrent loans | 2,382.2314% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,994 |
| Noncurrent loans to loans | 0.0389% | 4,837 |
| Net loans and leases to total assets | 76.0562% | 1,583 |
| Net loans and leases to deposits | 90.5455% | 1,706 |
| Net loans and leases to core deposits | 97.0475% | 1,942 |
| Total domestic deposits to total assets | 83.9977% | 3,209 |
| Equity capital to assets | 9.3393% | 4,392 |
| Core capital (leverage) ratio | 9.6796% | 3,837 |
| Tier 1 risk-based capital ratio | 11.8499% | 4,626 |
| Total risk-based capital ratio | 12.7421% | 4,748 |
| Memoranda: | ||
| Average total assets | $777,858,400 | 958 |
| Average earning assets | $708,890,800 | 968 |
| Average equity | $74,131,800 | 1,080 |
| Average total loans | $583,116,200 | 881 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,382 |
| Cost of funding earning assets | 0.5280% | 2,049 |
| Net interest margin | 3.1466% | 4,583 |
| Noninterest income to average assets | 0.7828% | 1,651 |
| Noninterest expense to average assets | 2.9617% | 2,212 |
| Loan and lease loss provision to assets | 0.0433% | 3,237 |
| Net operating income to assets | 0.4103% | 4,975 |
| Return on assets (ROA) | 0.4116% | 5,005 |
| Pretax return on assets | 0.6451% | 4,745 |
| Return on Equity (ROE) | 4.2967% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.4891% | 4,402 |
| Net charge-offs to loans | -0.0135% | 4,729 |
| Credit loss provision to net charge-offs | -431.0345% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1868% | 980 |
| Assets per employee ($millions) | 6.3360% | 1,287 |
| Cash dividends to net income (ytd only)* | 42.0699% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 4,338 |
| Loan loss allowance to noncurrent loans | 2,028.1690% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,054 |
| Noncurrent loans to loans | 0.0467% | 4,905 |
| Net loans and leases to total assets | 76.1125% | 1,574 |
| Net loans and leases to deposits | 88.4854% | 1,989 |
| Net loans and leases to core deposits | 93.7966% | 2,286 |
| Total domestic deposits to total assets | 86.0170% | 2,301 |
| Equity capital to assets | 9.5016% | 4,444 |
| Core capital (leverage) ratio | 9.5773% | 4,056 |
| Tier 1 risk-based capital ratio | 11.7594% | 4,799 |
| Total risk-based capital ratio | 12.6591% | 4,894 |
| Memoranda: | ||
| Average total assets | $769,893,750 | 966 |
| Average earning assets | $701,049,000 | 981 |
| Average equity | $73,759,250 | 1,089 |
| Average total loans | $573,494,000 | 892 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 4,413 |
| Cost of funding earning assets | 0.5101% | 2,088 |
| Net interest margin | 3.1253% | 4,617 |
| Noninterest income to average assets | 0.7855% | 1,621 |
| Noninterest expense to average assets | 2.8505% | 2,584 |
| Loan and lease loss provision to assets | 0.0393% | 3,223 |
| Net operating income to assets | 0.4578% | 4,833 |
| Return on assets (ROA) | 0.4614% | 4,846 |
| Pretax return on assets | 0.7276% | 4,479 |
| Return on Equity (ROE) | 4.8020% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.1195% | 3,258 |
| Net charge-offs to loans | -0.0036% | 4,265 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9195% | 1,344 |
| Assets per employee ($millions) | 6.2785% | 1,265 |
| Cash dividends to net income (ytd only)* | 14.2126% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 4,319 |
| Loan loss allowance to noncurrent loans | 2,820.1005% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,090 |
| Noncurrent loans to loans | 0.0344% | 5,018 |
| Net loans and leases to total assets | 71.8002% | 2,237 |
| Net loans and leases to deposits | 82.8175% | 2,614 |
| Net loans and leases to core deposits | 88.6342% | 2,648 |
| Total domestic deposits to total assets | 86.6969% | 2,089 |
| Equity capital to assets | 9.3600% | 4,552 |
| Core capital (leverage) ratio | 9.7729% | 3,808 |
| Tier 1 risk-based capital ratio | 11.8593% | 4,723 |
| Total risk-based capital ratio | 12.7569% | 4,849 |
| Memoranda: | ||
| Average total assets | $762,523,330 | 981 |
| Average earning assets | $689,603,330 | 996 |
| Average equity | $73,261,330 | 1,092 |
| Average total loans | $561,800,330 | 914 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,386 |
| Cost of funding earning assets | 0.4885% | 2,178 |
| Net interest margin | 3.1232% | 4,589 |
| Noninterest income to average assets | 0.7977% | 1,560 |
| Noninterest expense to average assets | 2.8490% | 2,615 |
| Loan and lease loss provision to assets | 0.0537% | 2,731 |
| Net operating income to assets | 0.4565% | 4,753 |
| Return on assets (ROA) | 0.4569% | 4,773 |
| Pretax return on assets | 0.7237% | 4,371 |
| Return on Equity (ROE) | 4.6903% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.3124% | 3,782 |
| Net charge-offs to loans | -0.0065% | 4,264 |
| Credit loss provision to net charge-offs | -1,111.1111% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5757% | 1,551 |
| Assets per employee ($millions) | 5.7320% | 1,703 |
| Cash dividends to net income (ytd only)* | 29.3772% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,309 |
| Loan loss allowance to noncurrent loans | 1,081.7121% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,003 |
| Noncurrent loans to loans | 0.0922% | 4,824 |
| Net loans and leases to total assets | 72.9410% | 1,927 |
| Net loans and leases to deposits | 85.2649% | 2,117 |
| Net loans and leases to core deposits | 89.8125% | 2,364 |
| Total domestic deposits to total assets | 85.5464% | 2,863 |
| Equity capital to assets | 9.6652% | 4,105 |
| Core capital (leverage) ratio | 10.0257% | 3,463 |
| Tier 1 risk-based capital ratio | 11.9537% | 4,749 |
| Total risk-based capital ratio | 12.8681% | 4,862 |
| Memoranda: | ||
| Average total assets | $745,100,000 | 1,000 |
| Average earning assets | $674,684,000 | 1,008 |
| Average equity | $72,575,000 | 1,098 |
| Average total loans | $553,638,000 | 930 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 4,140 |
| Cost of funding earning assets | 0.4572% | 2,474 |
| Net interest margin | 3.2682% | 4,234 |
| Noninterest income to average assets | 0.9375% | 1,303 |
| Noninterest expense to average assets | 3.1004% | 2,036 |
| Loan and lease loss provision to assets | 0.1204% | 2,056 |
| Net operating income to assets | 0.4551% | 4,781 |
| Return on assets (ROA) | 0.5083% | 4,674 |
| Pretax return on assets | 0.7773% | 4,250 |
| Return on Equity (ROE) | 4.8398% | 4,497 |
| Retained earnings to average equity (ytd only) | 3.0339% | 3,738 |
| Net charge-offs to loans | 0.0228% | 3,591 |
| Credit loss provision to net charge-offs | 687.5000% | 513 |
| Earnings coverage of net charge-offs (x) | 46.5917% | 1,056 |
| Efficiency ratio | 79.1692% | 1,529 |
| Assets per employee ($millions) | 5.5156% | 1,855 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,390 |
| Loan loss allowance to noncurrent loans | 775.3912% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 4,941 |
| Noncurrent loans to loans | 0.1279% | 4,723 |
| Net loans and leases to total assets | 74.2085% | 1,815 |
| Net loans and leases to deposits | 86.2743% | 2,135 |
| Net loans and leases to core deposits | 89.3391% | 2,565 |
| Total domestic deposits to total assets | 86.0146% | 2,577 |
| Equity capital to assets | 9.8178% | 3,917 |
| Core capital (leverage) ratio | 10.1666% | 3,276 |
| Tier 1 risk-based capital ratio | 12.0977% | 4,660 |
| Total risk-based capital ratio | 13.0134% | 4,788 |
| Memoranda: | ||
| Average total assets | $685,361,200 | 1,040 |
| Average earning assets | $624,657,400 | 1,045 |
| Average equity | $71,985,800 | 1,097 |
| Average total loans | $526,765,400 | 934 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,051 |
| Cost of funding earning assets | 0.4565% | 2,491 |
| Net interest margin | 3.3018% | 4,181 |
| Noninterest income to average assets | 0.8907% | 1,437 |
| Noninterest expense to average assets | 3.0909% | 2,049 |
| Loan and lease loss provision to assets | 0.1238% | 1,882 |
| Net operating income to assets | 0.4535% | 4,862 |
| Return on assets (ROA) | 0.5252% | 4,697 |
| Pretax return on assets | 0.8042% | 4,296 |
| Return on Equity (ROE) | 4.9126% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.4306% | 3,844 |
| Net charge-offs to loans | 0.0328% | 2,989 |
| Credit loss provision to net charge-offs | 488.2813% | 724 |
| Earnings coverage of net charge-offs (x) | 32.2583% | 1,420 |
| Efficiency ratio | 79.0810% | 1,545 |
| Assets per employee ($millions) | 5.2838% | 2,064 |
| Cash dividends to net income (ytd only)* | 30.1659% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 4,565 |
| Loan loss allowance to noncurrent loans | 1,157.6159% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 5,122 |
| Noncurrent loans to loans | 0.0838% | 5,016 |
| Net loans and leases to total assets | 76.2206% | 1,491 |
| Net loans and leases to deposits | 89.6224% | 1,807 |
| Net loans and leases to core deposits | 92.5497% | 2,328 |
| Total domestic deposits to total assets | 85.0464% | 2,784 |
| Equity capital to assets | 10.4352% | 3,624 |
| Core capital (leverage) ratio | 10.2312% | 3,298 |
| Tier 1 risk-based capital ratio | 12.6109% | 4,399 |
| Total risk-based capital ratio | 13.5373% | 4,518 |
| Memoranda: | ||
| Average total assets | $673,307,000 | 1,053 |
| Average earning assets | $615,411,000 | 1,059 |
| Average equity | $71,977,000 | 1,102 |
| Average total loans | $520,999,750 | 938 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,022 |
| Cost of funding earning assets | 0.4557% | 2,513 |
| Net interest margin | 3.3253% | 4,139 |
| Noninterest income to average assets | 0.8699% | 1,472 |
| Noninterest expense to average assets | 2.9776% | 2,420 |
| Loan and lease loss provision to assets | 0.1130% | 1,988 |
| Net operating income to assets | 0.5364% | 4,537 |
| Return on assets (ROA) | 0.5800% | 4,479 |
| Pretax return on assets | 0.8850% | 4,010 |
| Return on Equity (ROE) | 5.3799% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.1430% | 3,900 |
| Net charge-offs to loans | 0.0233% | 3,024 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 51.5333% | 975 |
| Efficiency ratio | 76.1604% | 2,058 |
| Assets per employee ($millions) | 5.4395% | 1,856 |
| Cash dividends to net income (ytd only)* | 41.5800% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 4,716 |
| Loan loss allowance to noncurrent loans | 889.6309% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,186 |
| Noncurrent loans to loans | 0.1081% | 5,014 |
| Net loans and leases to total assets | 77.9477% | 1,214 |
| Net loans and leases to deposits | 91.9504% | 1,524 |
| Net loans and leases to core deposits | 92.6572% | 2,291 |
| Total domestic deposits to total assets | 84.7714% | 2,975 |
| Equity capital to assets | 10.8821% | 3,192 |
| Core capital (leverage) ratio | 9.8721% | 3,719 |
| Tier 1 risk-based capital ratio | 12.0803% | 4,777 |
| Total risk-based capital ratio | 12.9889% | 4,894 |
| Memoranda: | ||
| Average total assets | $663,493,330 | 1,073 |
| Average earning assets | $606,508,670 | 1,076 |
| Average equity | $71,525,000 | 1,110 |
| Average total loans | $514,372,000 | 951 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 3,941 |
| Cost of funding earning assets | 0.4485% | 2,603 |
| Net interest margin | 3.3518% | 4,035 |
| Noninterest income to average assets | 0.9009% | 1,312 |
| Noninterest expense to average assets | 2.9465% | 2,549 |
| Loan and lease loss provision to assets | 0.0757% | 2,441 |
| Net operating income to assets | 0.5710% | 4,310 |
| Return on assets (ROA) | 0.5745% | 4,407 |
| Pretax return on assets | 0.9293% | 3,732 |
| Return on Equity (ROE) | 5.3553% | 4,312 |
| Retained earnings to average equity (ytd only) | 2.5337% | 4,236 |
| Net charge-offs to loans | 0.0071% | 2,881 |
| Credit loss provision to net charge-offs | 1,388.8889% | 299 |
| Earnings coverage of net charge-offs (x) | 183.4444% | 331 |
| Efficiency ratio | 74.6701% | 2,379 |
| Assets per employee ($millions) | 5.3964% | 1,928 |
| Cash dividends to net income (ytd only)* | 52.6870% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 4,875 |
| Loan loss allowance to noncurrent loans | 1,087.9195% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 5,322 |
| Noncurrent loans to loans | 0.0869% | 5,126 |
| Net loans and leases to total assets | 78.0146% | 1,097 |
| Net loans and leases to deposits | 92.1995% | 1,320 |
| Net loans and leases to core deposits | 92.8731% | 2,102 |
| Total domestic deposits to total assets | 84.6149% | 3,273 |
| Equity capital to assets | 10.9776% | 2,968 |
| Core capital (leverage) ratio | 9.8961% | 3,666 |
| Tier 1 risk-based capital ratio | 12.2625% | 4,742 |
| Total risk-based capital ratio | 13.1676% | 4,877 |
| Memoranda: | ||
| Average total assets | $660,708,500 | 1,073 |
| Average earning assets | $600,273,500 | 1,079 |
| Average equity | $70,883,500 | 1,113 |
| Average total loans | $508,267,500 | 966 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 4,101 |
| Cost of funding earning assets | 0.3948% | 3,213 |
| Net interest margin | 3.3860% | 3,959 |
| Noninterest income to average assets | 1.0032% | 1,177 |
| Noninterest expense to average assets | 3.4758% | 1,341 |
| Loan and lease loss provision to assets | 0.1203% | 1,994 |
| Net operating income to assets | 0.6945% | 3,836 |
| Return on assets (ROA) | 0.6988% | 3,923 |
| Pretax return on assets | 0.4930% | 5,131 |
| Return on Equity (ROE) | 6.2648% | 3,917 |
| Retained earnings to average equity (ytd only) | 2.5263% | 4,271 |
| Net charge-offs to loans | 0.0473% | 3,267 |
| Credit loss provision to net charge-offs | 328.9474% | 914 |
| Earnings coverage of net charge-offs (x) | 16.6535% | 2,117 |
| Efficiency ratio | 85.0911% | 1,080 |
| Assets per employee ($millions) | 5.4791% | 1,829 |
| Cash dividends to net income (ytd only)* | 59.6741% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,895 |
| Loan loss allowance to noncurrent loans | 864.6630% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,168 |
| Noncurrent loans to loans | 0.1093% | 5,065 |
| Net loans and leases to total assets | 74.4283% | 1,652 |
| Net loans and leases to deposits | 88.9850% | 1,750 |
| Net loans and leases to core deposits | 89.5453% | 2,449 |
| Total domestic deposits to total assets | 83.6413% | 3,622 |
| Equity capital to assets | 10.4850% | 3,378 |
| Core capital (leverage) ratio | 9.7709% | 3,811 |
| Tier 1 risk-based capital ratio | 12.0949% | 4,889 |
| Total risk-based capital ratio | 12.9895% | 5,028 |
| Memoranda: | ||
| Average total assets | $623,479,600 | 1,097 |
| Average earning assets | $567,432,600 | 1,097 |
| Average equity | $69,547,400 | 1,094 |
| Average total loans | $482,251,600 | 965 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 4,154 |
| Cost of funding earning assets | 0.3865% | 3,373 |
| Net interest margin | 3.3953% | 3,977 |
| Noninterest income to average assets | 1.0050% | 1,173 |
| Noninterest expense to average assets | 3.6954% | 984 |
| Loan and lease loss provision to assets | 0.1307% | 1,722 |
| Net operating income to assets | 0.7017% | 3,895 |
| Return on assets (ROA) | 0.7071% | 3,980 |
| Pretax return on assets | 0.2853% | 5,666 |
| Return on Equity (ROE) | 6.2370% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.1240% | 3,535 |
| Net charge-offs to loans | 0.0631% | 2,687 |
| Credit loss provision to net charge-offs | 265.4867% | 1,090 |
| Earnings coverage of net charge-offs (x) | 8.3406% | 2,826 |
| Efficiency ratio | 90.0021% | 700 |
| Assets per employee ($millions) | 4.9749% | 2,329 |
| Cash dividends to net income (ytd only)* | 33.8774% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 5,112 |
| Loan loss allowance to noncurrent loans | 571.8905% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 5,074 |
| Noncurrent loans to loans | 0.1613% | 5,003 |
| Net loans and leases to total assets | 77.5541% | 1,167 |
| Net loans and leases to deposits | 91.9036% | 1,420 |
| Net loans and leases to core deposits | 92.3375% | 2,232 |
| Total domestic deposits to total assets | 84.3864% | 3,266 |
| Equity capital to assets | 11.1459% | 2,855 |
| Core capital (leverage) ratio | 10.0133% | 3,609 |
| Tier 1 risk-based capital ratio | 12.2456% | 4,931 |
| Total risk-based capital ratio | 13.1233% | 5,077 |
| Memoranda: | ||
| Average total assets | $612,236,250 | 1,119 |
| Average earning assets | $559,143,250 | 1,123 |
| Average equity | $69,412,500 | 1,102 |
| Average total loans | $477,248,250 | 975 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,202 |
| Cost of funding earning assets | 0.3773% | 3,530 |
| Net interest margin | 3.3837% | 3,956 |
| Noninterest income to average assets | 1.0019% | 1,177 |
| Noninterest expense to average assets | 3.5596% | 1,200 |
| Loan and lease loss provision to assets | 0.1490% | 1,434 |
| Net operating income to assets | 0.2570% | 5,560 |
| Return on assets (ROA) | 0.2612% | 5,632 |
| Pretax return on assets | 0.3880% | 5,491 |
| Return on Equity (ROE) | 2.2906% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.2906% | 4,575 |
| Net charge-offs to loans | 0.0587% | 2,554 |
| Credit loss provision to net charge-offs | 326.0870% | 878 |
| Earnings coverage of net charge-offs (x) | 11.6159% | 2,276 |
| Efficiency ratio | 87.0244% | 977 |
| Assets per employee ($millions) | 4.9296% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 5,217 |
| Loan loss allowance to noncurrent loans | 435.3167% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 4,335 |
| Noncurrent loans to loans | 0.2116% | 4,923 |
| Net loans and leases to total assets | 77.9486% | 1,070 |
| Net loans and leases to deposits | 92.8009% | 1,271 |
| Net loans and leases to core deposits | 93.2478% | 2,033 |
| Total domestic deposits to total assets | 83.9955% | 3,563 |
| Equity capital to assets | 11.0364% | 2,851 |
| Core capital (leverage) ratio | 10.2603% | 3,268 |
| Tier 1 risk-based capital ratio | 12.6078% | 4,739 |
| Total risk-based capital ratio | 13.5000% | 4,872 |
| Memoranda: | ||
| Average total assets | $604,052,000 | 1,143 |
| Average earning assets | $551,347,330 | 1,142 |
| Average equity | $68,891,330 | 1,114 |
| Average total loans | $470,179,670 | 987 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 4,140 |
| Cost of funding earning assets | 0.3635% | 3,711 |
| Net interest margin | 3.4040% | 3,830 |
| Noninterest income to average assets | 1.1176% | 909 |
| Noninterest expense to average assets | 3.4432% | 1,417 |
| Loan and lease loss provision to assets | 0.2023% | 910 |
| Net operating income to assets | 0.3791% | 5,146 |
| Return on assets (ROA) | 0.3791% | 5,267 |
| Pretax return on assets | 0.5733% | 4,987 |
| Return on Equity (ROE) | 3.2679% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.2679% | 4,021 |
| Net charge-offs to loans | 0.0366% | 2,476 |
| Credit loss provision to net charge-offs | 714.2857% | 422 |
| Earnings coverage of net charge-offs (x) | 27.3810% | 1,207 |
| Efficiency ratio | 81.6147% | 1,667 |
| Assets per employee ($millions) | 4.5821% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 5,261 |
| Loan loss allowance to noncurrent loans | 385.1375% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,879 |
| Noncurrent loans to loans | 0.2458% | 4,895 |
| Net loans and leases to total assets | 77.5479% | 986 |
| Net loans and leases to deposits | 91.2063% | 1,268 |
| Net loans and leases to core deposits | 91.6545% | 1,974 |
| Total domestic deposits to total assets | 85.0248% | 3,394 |
| Equity capital to assets | 11.4574% | 2,507 |
| Core capital (leverage) ratio | 10.5654% | 2,890 |
| Tier 1 risk-based capital ratio | 13.1838% | 4,510 |
| Total risk-based capital ratio | 14.1069% | 4,599 |
| Memoranda: | ||
| Average total assets | $593,050,500 | 1,167 |
| Average earning assets | $540,308,000 | 1,181 |
| Average equity | $68,790,000 | 1,121 |
| Average total loans | $459,001,000 | 1,010 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 4,428 |
| Cost of funding earning assets | 0.3647% | 4,087 |
| Net interest margin | 3.4551% | 3,959 |
| Noninterest income to average assets | 1.0717% | 1,056 |
| Noninterest expense to average assets | 4.3077% | 540 |
| Loan and lease loss provision to assets | 0.1377% | 1,913 |
| Net operating income to assets | -0.1413% | 6,181 |
| Return on assets (ROA) | -0.1280% | 6,176 |
| Pretax return on assets | -0.2746% | 6,216 |
| Return on Equity (ROE) | -1.0333% | 6,168 |
| Retained earnings to average equity (ytd only) | -1.0333% | 5,922 |
| Net charge-offs to loans | 0.0683% | 3,501 |
| Credit loss provision to net charge-offs | 279.8507% | 908 |
| Earnings coverage of net charge-offs (x) | -3.2090% | 4,862 |
| Efficiency ratio | 103.8045% | 293 |
| Assets per employee ($millions) | 4.5059% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 5,291 |
| Loan loss allowance to noncurrent loans | 329.2284% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 3,721 |
| Noncurrent loans to loans | 0.2887% | 4,814 |
| Net loans and leases to total assets | 75.7412% | 1,307 |
| Net loans and leases to deposits | 92.9253% | 1,193 |
| Net loans and leases to core deposits | 93.4815% | 1,951 |
| Total domestic deposits to total assets | 81.5076% | 4,595 |
| Equity capital to assets | 11.7470% | 2,210 |
| Core capital (leverage) ratio | 10.7937% | 2,618 |
| Tier 1 risk-based capital ratio | 14.8072% | 3,596 |
| Total risk-based capital ratio | 15.8145% | 3,670 |
| Memoranda: | ||
| Average total assets | $544,722,800 | 1,226 |
| Average earning assets | $485,288,800 | 1,267 |
| Average equity | $67,452,800 | 1,094 |
| Average total loans | $392,549,000 | 1,122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 4,386 |
| Cost of funding earning assets | 0.3678% | 4,147 |
| Net interest margin | 3.4777% | 3,909 |
| Noninterest income to average assets | 1.0630% | 1,089 |
| Noninterest expense to average assets | 4.6251% | 409 |
| Loan and lease loss provision to assets | 0.0996% | 2,381 |
| Net operating income to assets | -0.3143% | 6,321 |
| Return on assets (ROA) | -0.3074% | 6,316 |
| Pretax return on assets | -0.5696% | 6,375 |
| Return on Equity (ROE) | -2.4487% | 6,301 |
| Retained earnings to average equity (ytd only) | -2.4487% | 6,109 |
| Net charge-offs to loans | 0.0249% | 4,006 |
| Credit loss provision to net charge-offs | 563.3803% | 519 |
| Earnings coverage of net charge-offs (x) | -27.1984% | 4,661 |
| Efficiency ratio | 111.5990% | 203 |
| Assets per employee ($millions) | 4.3730% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 5,359 |
| Loan loss allowance to noncurrent loans | 276.2551% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 3,754 |
| Noncurrent loans to loans | 0.3499% | 4,855 |
| Net loans and leases to total assets | 75.1210% | 1,347 |
| Net loans and leases to deposits | 90.2435% | 1,400 |
| Net loans and leases to core deposits | 90.9026% | 2,130 |
| Total domestic deposits to total assets | 83.2426% | 4,053 |
| Equity capital to assets | 12.1594% | 1,937 |
| Core capital (leverage) ratio | 11.1280% | 2,370 |
| Tier 1 risk-based capital ratio | 15.1673% | 3,498 |
| Total risk-based capital ratio | 16.1780% | 3,560 |
| Memoranda: | ||
| Average total assets | $535,588,250 | 1,256 |
| Average earning assets | $474,551,250 | 1,301 |
| Average equity | $67,245,750 | 1,096 |
| Average total loans | $379,566,750 | 1,175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,418 |
| Cost of funding earning assets | 0.3692% | 4,220 |
| Net interest margin | 3.4592% | 3,941 |
| Noninterest income to average assets | 1.0726% | 1,037 |
| Noninterest expense to average assets | 5.0764% | 301 |
| Loan and lease loss provision to assets | 0.0756% | 2,761 |
| Net operating income to assets | -0.5947% | 6,457 |
| Return on assets (ROA) | -0.5879% | 6,460 |
| Pretax return on assets | -1.0295% | 6,511 |
| Return on Equity (ROE) | -4.6314% | 6,422 |
| Retained earnings to average equity (ytd only) | -4.6314% | 6,208 |
| Net charge-offs to loans | -0.0525% | 5,899 |
| Credit loss provision to net charge-offs | -208.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4553% | 126 |
| Assets per employee ($millions) | 4.1574% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 5,130 |
| Loan loss allowance to noncurrent loans | 201.7483% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 3,230 |
| Noncurrent loans to loans | 0.5194% | 4,447 |
| Net loans and leases to total assets | 70.5688% | 1,989 |
| Net loans and leases to deposits | 83.9345% | 2,043 |
| Net loans and leases to core deposits | 84.7263% | 2,654 |
| Total domestic deposits to total assets | 84.0761% | 3,896 |
| Equity capital to assets | 12.4499% | 1,677 |
| Core capital (leverage) ratio | 11.3823% | 2,095 |
| Tier 1 risk-based capital ratio | 16.1256% | 3,022 |
| Total risk-based capital ratio | 17.1989% | 3,053 |
| Memoranda: | ||
| Average total assets | $528,994,000 | 1,270 |
| Average earning assets | $464,792,670 | 1,324 |
| Average equity | $67,151,000 | 1,089 |
| Average total loans | $365,665,000 | 1,207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 4,134 |
| Cost of funding earning assets | 0.3779% | 4,220 |
| Net interest margin | 3.5095% | 3,651 |
| Noninterest income to average assets | 1.0649% | 985 |
| Noninterest expense to average assets | 6.1514% | 179 |
| Loan and lease loss provision to assets | 0.1529% | 1,584 |
| Net operating income to assets | -1.2903% | 6,617 |
| Return on assets (ROA) | -1.2766% | 6,612 |
| Pretax return on assets | -2.1580% | 6,652 |
| Return on Equity (ROE) | -9.9578% | 6,562 |
| Retained earnings to average equity (ytd only) | -9.9578% | 6,359 |
| Net charge-offs to loans | 0.0495% | 2,689 |
| Credit loss provision to net charge-offs | 454.5455% | 590 |
| Earnings coverage of net charge-offs (x) | -60.2500% | 3,641 |
| Efficiency ratio | 149.1290% | 68 |
| Assets per employee ($millions) | 3.7797% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,210 |
| Loan loss allowance to noncurrent loans | 87.9513% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 3,160 |
| Noncurrent loans to loans | 1.2268% | 2,998 |
| Net loans and leases to total assets | 67.5369% | 2,294 |
| Net loans and leases to deposits | 78.7025% | 2,461 |
| Net loans and leases to core deposits | 79.4447% | 3,039 |
| Total domestic deposits to total assets | 85.8129% | 3,454 |
| Equity capital to assets | 12.5849% | 1,534 |
| Core capital (leverage) ratio | 11.5213% | 1,952 |
| Tier 1 risk-based capital ratio | 16.8818% | 2,742 |
| Total risk-based capital ratio | 17.9754% | 2,761 |
| Memoranda: | ||
| Average total assets | $523,259,000 | 1,287 |
| Average earning assets | $456,242,500 | 1,353 |
| Average equity | $67,083,000 | 1,091 |
| Average total loans | $355,778,500 | 1,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 3,896 |
| Cost of funding earning assets | 0.4401% | 4,218 |
| Net interest margin | 3.6168% | 3,386 |
| Noninterest income to average assets | 1.3385% | 774 |
| Noninterest expense to average assets | 3.9006% | 992 |
| Loan and lease loss provision to assets | 0.2236% | 1,630 |
| Net operating income to assets | 0.1918% | 5,843 |
| Return on assets (ROA) | 0.1936% | 5,905 |
| Pretax return on assets | 0.2685% | 5,808 |
| Return on Equity (ROE) | 1.7420% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.7420% | 4,997 |
| Net charge-offs to loans | 0.9628% | 618 |
| Credit loss provision to net charge-offs | 35.0263% | 4,148 |
| Earnings coverage of net charge-offs (x) | 0.7671% | 4,833 |
| Efficiency ratio | 88.8469% | 1,123 |
| Assets per employee ($millions) | 3.6692% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 5,283 |
| Loan loss allowance to noncurrent loans | 75.5349% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.1943% | 3,017 |
| Noncurrent loans to loans | 1.4143% | 2,772 |
| Net loans and leases to total assets | 66.9824% | 2,521 |
| Net loans and leases to deposits | 78.7544% | 2,625 |
| Net loans and leases to core deposits | 79.5200% | 3,187 |
| Total domestic deposits to total assets | 85.0522% | 3,714 |
| Equity capital to assets | 13.0609% | 1,250 |
| Core capital (leverage) ratio | 12.2292% | 1,482 |
| Tier 1 risk-based capital ratio | 17.9105% | 2,267 |
| Total risk-based capital ratio | 18.9838% | 2,305 |
| Memoranda: | ||
| Average total assets | $536,716,600 | 1,239 |
| Average earning assets | $452,862,800 | 1,341 |
| Average equity | $59,645,000 | 1,207 |
| Average total loans | $355,845,400 | 1,206 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,755 |
| Cost of funding earning assets | 0.4537% | 4,240 |
| Net interest margin | 3.6476% | 3,245 |
| Noninterest income to average assets | 1.3964% | 749 |
| Noninterest expense to average assets | 3.8715% | 1,001 |
| Loan and lease loss provision to assets | 0.2585% | 1,372 |
| Net operating income to assets | 0.2161% | 5,874 |
| Return on assets (ROA) | 0.2184% | 5,948 |
| Pretax return on assets | 0.3100% | 5,850 |
| Return on Equity (ROE) | 2.0509% | 5,920 |
| Retained earnings to average equity (ytd only) | 2.0509% | 5,102 |
| Net charge-offs to loans | 1.0271% | 552 |
| Credit loss provision to net charge-offs | 38.1541% | 3,749 |
| Earnings coverage of net charge-offs (x) | 0.8343% | 4,578 |
| Efficiency ratio | 87.2593% | 1,235 |
| Assets per employee ($millions) | 3.6723% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 4,760 |
| Loan loss allowance to noncurrent loans | 48.7933% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.9867% | 2,031 |
| Noncurrent loans to loans | 2.5118% | 1,720 |
| Net loans and leases to total assets | 65.4692% | 2,723 |
| Net loans and leases to deposits | 76.8063% | 2,843 |
| Net loans and leases to core deposits | 77.6881% | 3,396 |
| Total domestic deposits to total assets | 85.2393% | 3,618 |
| Equity capital to assets | 12.8418% | 1,399 |
| Core capital (leverage) ratio | 12.0139% | 1,663 |
| Tier 1 risk-based capital ratio | 17.6414% | 2,464 |
| Total risk-based capital ratio | 18.8503% | 2,446 |
| Memoranda: | ||
| Average total assets | $541,555,750 | 1,242 |
| Average earning assets | $451,385,000 | 1,357 |
| Average equity | $57,663,250 | 1,256 |
| Average total loans | $357,236,250 | 1,199 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 3,583 |
| Cost of funding earning assets | 0.4534% | 4,394 |
| Net interest margin | 3.6865% | 3,004 |
| Noninterest income to average assets | 1.4270% | 775 |
| Noninterest expense to average assets | 3.8020% | 1,092 |
| Loan and lease loss provision to assets | 0.3546% | 936 |
| Net operating income to assets | 0.2148% | 5,852 |
| Return on assets (ROA) | 0.2179% | 5,976 |
| Pretax return on assets | 0.3097% | 5,853 |
| Return on Equity (ROE) | 2.1910% | 5,887 |
| Retained earnings to average equity (ytd only) | 2.1910% | 4,881 |
| Net charge-offs to loans | 1.3184% | 432 |
| Credit loss provision to net charge-offs | 40.8421% | 3,406 |
| Earnings coverage of net charge-offs (x) | 0.7600% | 4,272 |
| Efficiency ratio | 85.2098% | 1,497 |
| Assets per employee ($millions) | 3.5387% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,374 |
| Loan loss allowance to noncurrent loans | 58.8319% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 2,451 |
| Noncurrent loans to loans | 2.2560% | 2,111 |
| Net loans and leases to total assets | 63.4837% | 3,009 |
| Net loans and leases to deposits | 74.3601% | 3,094 |
| Net loans and leases to core deposits | 75.1550% | 3,654 |
| Total domestic deposits to total assets | 85.3733% | 3,713 |
| Equity capital to assets | 12.5837% | 1,526 |
| Core capital (leverage) ratio | 11.7644% | 1,754 |
| Tier 1 risk-based capital ratio | 17.3944% | 2,557 |
| Total risk-based capital ratio | 18.6448% | 2,528 |
| Memoranda: | ||
| Average total assets | $547,026,000 | 1,226 |
| Average earning assets | $450,342,330 | 1,354 |
| Average equity | $54,405,000 | 1,326 |
| Average total loans | $360,290,330 | 1,181 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 3,271 |
| Cost of funding earning assets | 0.4777% | 4,299 |
| Net interest margin | 3.7313% | 2,730 |
| Noninterest income to average assets | 1.5390% | 649 |
| Noninterest expense to average assets | 3.6078% | 1,410 |
| Loan and lease loss provision to assets | 0.5927% | 433 |
| Net operating income to assets | 0.2400% | 5,762 |
| Return on assets (ROA) | 0.2465% | 5,857 |
| Pretax return on assets | 0.3571% | 5,697 |
| Return on Equity (ROE) | 2.8424% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.8424% | 4,573 |
| Net charge-offs to loans | 1.5282% | 351 |
| Credit loss provision to net charge-offs | 58.2386% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.9240% | 3,526 |
| Efficiency ratio | 79.3229% | 2,423 |
| Assets per employee ($millions) | 3.9430% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,875 |
| Loan loss allowance to noncurrent loans | 49.8702% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.1895% | 2,131 |
| Noncurrent loans to loans | 2.9872% | 1,681 |
| Net loans and leases to total assets | 60.9629% | 3,255 |
| Net loans and leases to deposits | 67.4023% | 3,854 |
| Net loans and leases to core deposits | 68.2643% | 4,269 |
| Total domestic deposits to total assets | 90.4462% | 793 |
| Equity capital to assets | 8.2439% | 6,221 |
| Core capital (leverage) ratio | 7.3603% | 6,521 |
| Tier 1 risk-based capital ratio | 10.9146% | 6,443 |
| Total risk-based capital ratio | 12.1662% | 6,414 |
| Memoranda: | ||
| Average total assets | $553,364,000 | 1,219 |
| Average earning assets | $446,278,000 | 1,383 |
| Average equity | $47,987,000 | 1,502 |
| Average total loans | $368,541,500 | 1,159 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 3,346 |
| Cost of funding earning assets | 0.5897% | 4,450 |
| Net interest margin | 3.9230% | 2,731 |
| Noninterest income to average assets | 1.6823% | 572 |
| Noninterest expense to average assets | 4.1797% | 784 |
| Loan and lease loss provision to assets | 0.6109% | 896 |
| Net operating income to assets | 0.1922% | 5,801 |
| Return on assets (ROA) | 0.2716% | 5,778 |
| Pretax return on assets | 0.3976% | 5,587 |
| Return on Equity (ROE) | 3.1512% | 5,492 |
| Retained earnings to average equity (ytd only) | 3.1512% | 4,016 |
| Net charge-offs to loans | 1.1452% | 904 |
| Credit loss provision to net charge-offs | 74.4719% | 4,025 |
| Earnings coverage of net charge-offs (x) | 1.0872% | 4,917 |
| Efficiency ratio | 82.4162% | 1,817 |
| Assets per employee ($millions) | 3.3971% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,375 |
| Loan loss allowance to noncurrent loans | 60.7925% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 2,187 |
| Noncurrent loans to loans | 2.6113% | 2,025 |
| Net loans and leases to total assets | 70.7194% | 1,701 |
| Net loans and leases to deposits | 78.7469% | 2,432 |
| Net loans and leases to core deposits | 79.9797% | 3,003 |
| Total domestic deposits to total assets | 89.8059% | 1,060 |
| Equity capital to assets | 9.1492% | 5,339 |
| Core capital (leverage) ratio | 7.8786% | 6,298 |
| Tier 1 risk-based capital ratio | 10.5375% | 6,540 |
| Total risk-based capital ratio | 11.7913% | 6,507 |
| Memoranda: | ||
| Average total assets | $548,250,800 | 1,224 |
| Average earning assets | $473,646,600 | 1,288 |
| Average equity | $47,252,000 | 1,479 |
| Average total loans | $392,692,000 | 1,062 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 3,478 |
| Cost of funding earning assets | 0.6088% | 4,550 |
| Net interest margin | 3.9290% | 2,810 |
| Noninterest income to average assets | 1.5908% | 590 |
| Noninterest expense to average assets | 4.1541% | 768 |
| Loan and lease loss provision to assets | 0.7259% | 692 |
| Net operating income to assets | 0.0796% | 6,157 |
| Return on assets (ROA) | 0.1515% | 6,184 |
| Pretax return on assets | 0.2133% | 6,099 |
| Return on Equity (ROE) | 1.7834% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.7834% | 5,437 |
| Net charge-offs to loans | 1.1573% | 866 |
| Credit loss provision to net charge-offs | 87.6343% | 3,374 |
| Earnings coverage of net charge-offs (x) | 1.0116% | 4,813 |
| Efficiency ratio | 83.2145% | 1,681 |
| Assets per employee ($millions) | 3.4558% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 3,021 |
| Loan loss allowance to noncurrent loans | 64.0989% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.5063% | 2,113 |
| Noncurrent loans to loans | 2.7066% | 2,092 |
| Net loans and leases to total assets | 72.1378% | 1,532 |
| Net loans and leases to deposits | 80.0149% | 2,389 |
| Net loans and leases to core deposits | 81.4038% | 3,035 |
| Total domestic deposits to total assets | 90.1554% | 762 |
| Equity capital to assets | 9.0149% | 5,811 |
| Core capital (leverage) ratio | 7.6774% | 6,537 |
| Tier 1 risk-based capital ratio | 10.1999% | 6,751 |
| Total risk-based capital ratio | 11.4558% | 6,729 |
| Memoranda: | ||
| Average total assets | $554,524,000 | 1,220 |
| Average earning assets | $480,044,250 | 1,283 |
| Average equity | $47,098,750 | 1,496 |
| Average total loans | $396,879,500 | 1,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,598 |
| Cost of funding earning assets | 0.6343% | 4,588 |
| Net interest margin | 3.9075% | 2,874 |
| Noninterest income to average assets | 1.5209% | 636 |
| Noninterest expense to average assets | 3.9842% | 960 |
| Loan and lease loss provision to assets | 0.7231% | 734 |
| Net operating income to assets | 0.1320% | 6,086 |
| Return on assets (ROA) | 0.2183% | 6,051 |
| Pretax return on assets | 0.3289% | 5,900 |
| Return on Equity (ROE) | 2.6205% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.6205% | 4,871 |
| Net charge-offs to loans | 1.4772% | 678 |
| Credit loss provision to net charge-offs | 68.9422% | 3,592 |
| Earnings coverage of net charge-offs (x) | 0.8783% | 4,611 |
| Efficiency ratio | 81.2211% | 2,000 |
| Assets per employee ($millions) | 3.4984% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 3,671 |
| Loan loss allowance to noncurrent loans | 44.0190% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 3.1921% | 1,707 |
| Noncurrent loans to loans | 3.5900% | 1,597 |
| Net loans and leases to total assets | 70.7174% | 1,784 |
| Net loans and leases to deposits | 78.1198% | 2,650 |
| Net loans and leases to core deposits | 79.3935% | 3,305 |
| Total domestic deposits to total assets | 90.5243% | 649 |
| Equity capital to assets | 8.6495% | 6,073 |
| Core capital (leverage) ratio | 7.3234% | 6,705 |
| Tier 1 risk-based capital ratio | 9.9092% | 6,844 |
| Total risk-based capital ratio | 11.1631% | 6,833 |
| Memoranda: | ||
| Average total assets | $564,274,000 | 1,192 |
| Average earning assets | $488,757,000 | 1,260 |
| Average equity | $47,014,000 | 1,485 |
| Average total loans | $400,635,670 | 1,051 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 3,813 |
| Cost of funding earning assets | 0.6576% | 4,663 |
| Net interest margin | 3.8680% | 3,062 |
| Noninterest income to average assets | 1.8496% | 465 |
| Noninterest expense to average assets | 4.0800% | 845 |
| Loan and lease loss provision to assets | 0.5231% | 1,151 |
| Net operating income to assets | 0.3806% | 5,344 |
| Return on assets (ROA) | 0.4708% | 5,147 |
| Pretax return on assets | 0.7721% | 4,522 |
| Return on Equity (ROE) | 5.7547% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.7547% | 3,109 |
| Net charge-offs to loans | 0.3912% | 2,129 |
| Credit loss provision to net charge-offs | 189.3939% | 1,391 |
| Earnings coverage of net charge-offs (x) | 4.1793% | 2,643 |
| Efficiency ratio | 77.9480% | 2,503 |
| Assets per employee ($millions) | 3.5816% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 2,826 |
| Loan loss allowance to noncurrent loans | 54.1265% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 3.2237% | 1,794 |
| Noncurrent loans to loans | 3.4282% | 1,830 |
| Net loans and leases to total assets | 69.3799% | 1,869 |
| Net loans and leases to deposits | 76.2386% | 2,762 |
| Net loans and leases to core deposits | 77.5501% | 3,389 |
| Total domestic deposits to total assets | 91.0037% | 554 |
| Equity capital to assets | 8.3041% | 6,269 |
| Core capital (leverage) ratio | 7.0826% | 6,808 |
| Tier 1 risk-based capital ratio | 9.9705% | 6,887 |
| Total risk-based capital ratio | 11.2568% | 6,874 |
| Memoranda: | ||
| Average total assets | $573,534,000 | 1,174 |
| Average earning assets | $501,862,500 | 1,226 |
| Average equity | $46,918,500 | 1,484 |
| Average total loans | $404,883,500 | 1,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 4,373 |
| Cost of funding earning assets | 1.1032% | 2,655 |
| Net interest margin | 3.5672% | 4,857 |
| Noninterest income to average assets | 0.8937% | 1,690 |
| Noninterest expense to average assets | 4.2049% | 803 |
| Loan and lease loss provision to assets | 1.2330% | 697 |
| Net operating income to assets | -1.3194% | 6,862 |
| Return on assets (ROA) | -1.2348% | 6,855 |
| Pretax return on assets | -1.4284% | 6,877 |
| Return on Equity (ROE) | -14.5213% | 6,880 |
| Retained earnings to average equity (ytd only) | -14.5213% | 6,858 |
| Net charge-offs to loans | 1.1050% | 1,560 |
| Credit loss provision to net charge-offs | 160.3790% | 1,722 |
| Earnings coverage of net charge-offs (x) | -0.3822% | 6,043 |
| Efficiency ratio | 107.5120% | 487 |
| Assets per employee ($millions) | 3.2818% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 3,039 |
| Loan loss allowance to noncurrent loans | 48.2146% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.2997% | 1,805 |
| Noncurrent loans to loans | 3.6246% | 1,756 |
| Net loans and leases to total assets | 69.2667% | 2,162 |
| Net loans and leases to deposits | 76.2741% | 3,140 |
| Net loans and leases to core deposits | 77.6141% | 3,729 |
| Total domestic deposits to total assets | 90.8129% | 580 |
| Equity capital to assets | 8.0588% | 6,530 |
| Core capital (leverage) ratio | 6.4521% | 6,990 |
| Tier 1 risk-based capital ratio | 9.8122% | 6,897 |
| Total risk-based capital ratio | 10.9361% | 6,917 |
| Memoranda: | ||
| Average total assets | $610,959,600 | 1,066 |
| Average earning assets | $516,787,200 | 1,161 |
| Average equity | $51,951,200 | 1,315 |
| Average total loans | $425,064,800 | 984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 4,377 |
| Cost of funding earning assets | 1.1776% | 2,462 |
| Net interest margin | 3.5385% | 5,028 |
| Noninterest income to average assets | 1.3828% | 684 |
| Noninterest expense to average assets | 3.9829% | 1,023 |
| Loan and lease loss provision to assets | 0.8590% | 1,064 |
| Net operating income to assets | -0.2797% | 6,464 |
| Return on assets (ROA) | -0.2071% | 6,472 |
| Pretax return on assets | -0.3808% | 6,551 |
| Return on Equity (ROE) | -2.4063% | 6,518 |
| Retained earnings to average equity (ytd only) | -2.4063% | 6,351 |
| Net charge-offs to loans | 1.2280% | 1,268 |
| Credit loss provision to net charge-offs | 100.8595% | 3,333 |
| Earnings coverage of net charge-offs (x) | 0.4282% | 5,301 |
| Efficiency ratio | 91.6114% | 1,058 |
| Assets per employee ($millions) | 3.8473% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,160 |
| Loan loss allowance to noncurrent loans | 27.4742% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 3.3239% | 1,910 |
| Noncurrent loans to loans | 3.7193% | 1,830 |
| Net loans and leases to total assets | 67.4617% | 2,579 |
| Net loans and leases to deposits | 75.6445% | 3,383 |
| Net loans and leases to core deposits | 76.9947% | 4,052 |
| Total domestic deposits to total assets | 89.1825% | 1,312 |
| Equity capital to assets | 8.5838% | 6,216 |
| Core capital (leverage) ratio | 7.3935% | 6,814 |
| Tier 1 risk-based capital ratio | 10.5502% | 6,755 |
| Total risk-based capital ratio | 11.5788% | 6,835 |
| Memoranda: | ||
| Average total assets | $619,301,500 | 1,063 |
| Average earning assets | $518,886,000 | 1,165 |
| Average equity | $53,302,250 | 1,276 |
| Average total loans | $429,532,250 | 984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 3,960 |
| Cost of funding earning assets | 1.2530% | 2,235 |
| Net interest margin | 3.5761% | 4,803 |
| Noninterest income to average assets | 0.9586% | 1,434 |
| Noninterest expense to average assets | 3.8194% | 1,319 |
| Loan and lease loss provision to assets | 0.6104% | 1,571 |
| Net operating income to assets | -0.2698% | 6,533 |
| Return on assets (ROA) | -0.1902% | 6,499 |
| Pretax return on assets | -0.3704% | 6,576 |
| Return on Equity (ROE) | -2.2082% | 6,534 |
| Retained earnings to average equity (ytd only) | -2.2082% | 6,278 |
| Net charge-offs to loans | 1.0274% | 1,535 |
| Credit loss provision to net charge-offs | 85.1735% | 3,612 |
| Earnings coverage of net charge-offs (x) | 0.1613% | 5,181 |
| Efficiency ratio | 97.0617% | 832 |
| Assets per employee ($millions) | 3.5591% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,579 |
| Loan loss allowance to noncurrent loans | 27.5247% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 3.7850% | 1,716 |
| Noncurrent loans to loans | 3.3730% | 2,108 |
| Net loans and leases to total assets | 68.4927% | 2,519 |
| Net loans and leases to deposits | 76.8592% | 3,312 |
| Net loans and leases to core deposits | 78.3098% | 4,019 |
| Total domestic deposits to total assets | 89.1145% | 1,472 |
| Equity capital to assets | 8.6499% | 6,002 |
| Core capital (leverage) ratio | 7.5823% | 6,688 |
| Tier 1 risk-based capital ratio | 10.8287% | 6,635 |
| Total risk-based capital ratio | 11.7898% | 6,773 |
| Memoranda: | ||
| Average total assets | $619,264,000 | 1,071 |
| Average earning assets | $515,417,330 | 1,182 |
| Average equity | $53,346,670 | 1,261 |
| Average total loans | $431,982,670 | 998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 3,739 |
| Cost of funding earning assets | 1.2983% | 2,182 |
| Net interest margin | 3.5683% | 4,732 |
| Noninterest income to average assets | 0.9191% | 1,588 |
| Noninterest expense to average assets | 3.8909% | 1,182 |
| Loan and lease loss provision to assets | 0.6376% | 1,354 |
| Net operating income to assets | -0.3652% | 6,721 |
| Return on assets (ROA) | -0.2518% | 6,625 |
| Pretax return on assets | -0.4760% | 6,743 |
| Return on Equity (ROE) | -2.9294% | 6,660 |
| Retained earnings to average equity (ytd only) | -2.9294% | 6,285 |
| Net charge-offs to loans | 0.6279% | 1,947 |
| Credit loss provision to net charge-offs | 144.9488% | 1,954 |
| Earnings coverage of net charge-offs (x) | -0.0351% | 4,606 |
| Efficiency ratio | 100.3989% | 725 |
| Assets per employee ($millions) | 3.2646% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 6,174 |
| Loan loss allowance to noncurrent loans | 27.4763% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 4.7382% | 1,342 |
| Noncurrent loans to loans | 3.8784% | 1,894 |
| Net loans and leases to total assets | 69.0354% | 2,316 |
| Net loans and leases to deposits | 77.4289% | 3,166 |
| Net loans and leases to core deposits | 78.8934% | 3,912 |
| Total domestic deposits to total assets | 89.1597% | 1,670 |
| Equity capital to assets | 8.6221% | 5,751 |
| Core capital (leverage) ratio | 7.6469% | 6,610 |
| Tier 1 risk-based capital ratio | 10.7929% | 6,644 |
| Total risk-based capital ratio | 11.8915% | 6,712 |
| Memoranda: | ||
| Average total assets | $621,032,500 | 1,072 |
| Average earning assets | $514,530,500 | 1,197 |
| Average equity | $53,390,000 | 1,255 |
| Average total loans | $435,134,000 | 1,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 4,424 |
| Cost of funding earning assets | 1.6205% | 1,948 |
| Net interest margin | 3.4075% | 5,598 |
| Noninterest income to average assets | 1.1775% | 1,070 |
| Noninterest expense to average assets | 4.0737% | 1,059 |
| Loan and lease loss provision to assets | 0.4798% | 3,257 |
| Net operating income to assets | -0.2489% | 6,162 |
| Return on assets (ROA) | -0.2078% | 6,177 |
| Pretax return on assets | -0.4403% | 6,280 |
| Return on Equity (ROE) | -2.4097% | 6,219 |
| Retained earnings to average equity (ytd only) | -2.7118% | 6,068 |
| Net charge-offs to loans | 0.4441% | 3,841 |
| Credit loss provision to net charge-offs | 146.6891% | 2,503 |
| Earnings coverage of net charge-offs (x) | -0.0753% | 6,199 |
| Efficiency ratio | 100.6086% | 758 |
| Assets per employee ($millions) | 3.2054% | 5,657 |
| Cash dividends to net income (ytd only)* | -12.5378% | 7,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,479 |
| Loan loss allowance to noncurrent loans | 22.6043% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 4.7592% | 1,373 |
| Noncurrent loans to loans | 4.3049% | 1,676 |
| Net loans and leases to total assets | 69.6652% | 2,612 |
| Net loans and leases to deposits | 78.2593% | 3,472 |
| Net loans and leases to core deposits | 79.7175% | 4,252 |
| Total domestic deposits to total assets | 89.0183% | 1,654 |
| Equity capital to assets | 8.5721% | 5,759 |
| Core capital (leverage) ratio | 8.0778% | 6,063 |
| Tier 1 risk-based capital ratio | 11.3920% | 5,998 |
| Total risk-based capital ratio | 12.3958% | 6,191 |
| Memoranda: | ||
| Average total assets | $637,128,200 | 1,051 |
| Average earning assets | $536,940,200 | 1,134 |
| Average equity | $54,944,200 | 1,215 |
| Average total loans | $469,303,600 | 960 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 4,480 |
| Cost of funding earning assets | 1.6693% | 2,009 |
| Net interest margin | 3.4004% | 5,682 |
| Noninterest income to average assets | 1.3086% | 805 |
| Noninterest expense to average assets | 4.0375% | 1,007 |
| Loan and lease loss provision to assets | 0.5072% | 2,922 |
| Net operating income to assets | -0.1460% | 6,241 |
| Return on assets (ROA) | -0.1133% | 6,286 |
| Pretax return on assets | -0.3068% | 6,411 |
| Return on Equity (ROE) | -1.3120% | 6,314 |
| Retained earnings to average equity (ytd only) | -1.7123% | 6,141 |
| Net charge-offs to loans | 0.4011% | 3,681 |
| Credit loss provision to net charge-offs | 169.8047% | 2,189 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,520 |
| Efficiency ratio | 96.4332% | 889 |
| Assets per employee ($millions) | 3.0729% | 5,982 |
| Cash dividends to net income (ytd only)* | -30.5148% | 7,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 6,604 |
| Loan loss allowance to noncurrent loans | 22.6142% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 4.9378% | 1,311 |
| Noncurrent loans to loans | 4.1641% | 1,763 |
| Net loans and leases to total assets | 71.2434% | 2,419 |
| Net loans and leases to deposits | 80.6891% | 3,324 |
| Net loans and leases to core deposits | 82.0498% | 4,241 |
| Total domestic deposits to total assets | 88.2937% | 1,801 |
| Equity capital to assets | 8.6799% | 6,054 |
| Core capital (leverage) ratio | 8.0749% | 6,240 |
| Tier 1 risk-based capital ratio | 11.4911% | 5,943 |
| Total risk-based capital ratio | 12.4954% | 6,143 |
| Memoranda: | ||
| Average total assets | $640,145,250 | 1,053 |
| Average earning assets | $541,845,750 | 1,132 |
| Average equity | $55,285,000 | 1,208 |
| Average total loans | $476,697,500 | 949 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,588 |
| Cost of funding earning assets | 1.7313% | 1,960 |
| Net interest margin | 3.3436% | 5,858 |
| Noninterest income to average assets | 1.2427% | 841 |
| Noninterest expense to average assets | 4.0022% | 1,049 |
| Loan and lease loss provision to assets | 0.5877% | 2,429 |
| Net operating income to assets | -0.2693% | 6,439 |
| Return on assets (ROA) | -0.1939% | 6,398 |
| Pretax return on assets | -0.3819% | 6,499 |
| Return on Equity (ROE) | -2.2492% | 6,440 |
| Retained earnings to average equity (ytd only) | -2.8494% | 6,271 |
| Net charge-offs to loans | 0.4231% | 3,305 |
| Credit loss provision to net charge-offs | 184.4423% | 2,137 |
| Earnings coverage of net charge-offs (x) | 0.2759% | 5,451 |
| Efficiency ratio | 97.8504% | 890 |
| Assets per employee ($millions) | 2.9650% | 6,217 |
| Cash dividends to net income (ytd only)* | -26.6881% | 7,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,811 |
| Loan loss allowance to noncurrent loans | 18.5506% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 5.4558% | 1,134 |
| Noncurrent loans to loans | 4.7614% | 1,486 |
| Net loans and leases to total assets | 73.4050% | 2,059 |
| Net loans and leases to deposits | 83.0607% | 3,062 |
| Net loans and leases to core deposits | 84.4506% | 4,079 |
| Total domestic deposits to total assets | 88.3752% | 1,791 |
| Equity capital to assets | 8.6190% | 5,988 |
| Core capital (leverage) ratio | 8.0447% | 6,209 |
| Tier 1 risk-based capital ratio | 11.2195% | 6,019 |
| Total risk-based capital ratio | 12.1697% | 6,310 |
| Memoranda: | ||
| Average total assets | $641,496,000 | 1,055 |
| Average earning assets | $546,290,000 | 1,116 |
| Average equity | $55,309,330 | 1,193 |
| Average total loans | $483,102,670 | 948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 4,702 |
| Cost of funding earning assets | 1.7551% | 2,102 |
| Net interest margin | 3.3104% | 5,932 |
| Noninterest income to average assets | 1.2519% | 786 |
| Noninterest expense to average assets | 4.0062% | 1,024 |
| Loan and lease loss provision to assets | 0.4258% | 2,831 |
| Net operating income to assets | -0.2144% | 6,561 |
| Return on assets (ROA) | -0.1026% | 6,511 |
| Pretax return on assets | -0.1622% | 6,519 |
| Return on Equity (ROE) | -1.1894% | 6,546 |
| Retained earnings to average equity (ytd only) | -2.3859% | 6,274 |
| Net charge-offs to loans | -0.0131% | 6,957 |
| Credit loss provision to net charge-offs | -4,281.2500% | 6,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8294% | 930 |
| Assets per employee ($millions) | 2.9404% | 6,357 |
| Cash dividends to net income (ytd only)* | -100.6061% | 7,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 7,061 |
| Loan loss allowance to noncurrent loans | 18.5779% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 5.2124% | 1,208 |
| Noncurrent loans to loans | 4.4540% | 1,683 |
| Net loans and leases to total assets | 74.5965% | 1,833 |
| Net loans and leases to deposits | 85.1739% | 2,732 |
| Net loans and leases to core deposits | 86.6079% | 3,810 |
| Total domestic deposits to total assets | 87.5814% | 2,311 |
| Equity capital to assets | 8.5944% | 5,879 |
| Core capital (leverage) ratio | 8.0375% | 6,183 |
| Tier 1 risk-based capital ratio | 10.9952% | 6,160 |
| Total risk-based capital ratio | 11.8817% | 6,497 |
| Memoranda: | ||
| Average total assets | $643,507,000 | 1,075 |
| Average earning assets | $552,676,500 | 1,131 |
| Average equity | $55,492,000 | 1,200 |
| Average total loans | $488,600,000 | 959 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2379% | 5,473 |
| Cost of funding earning assets | 2.1833% | 2,104 |
| Net interest margin | 3.0546% | 6,507 |
| Noninterest income to average assets | 1.4026% | 745 |
| Noninterest expense to average assets | 4.1627% | 1,146 |
| Loan and lease loss provision to assets | 0.3374% | 4,781 |
| Net operating income to assets | -0.1742% | 5,810 |
| Return on assets (ROA) | 0.0197% | 5,474 |
| Pretax return on assets | -0.0902% | 5,588 |
| Return on Equity (ROE) | 0.2320% | 5,460 |
| Retained earnings to average equity (ytd only) | -3.1536% | 5,730 |
| Net charge-offs to loans | 0.5051% | 3,759 |
| Credit loss provision to net charge-offs | 89.1365% | 6,035 |
| Earnings coverage of net charge-offs (x) | -0.1476% | 6,387 |
| Efficiency ratio | 101.3607% | 1,038 |
| Assets per employee ($millions) | 3.0191% | 6,175 |
| Cash dividends to net income (ytd only)* | 1,459.5420% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 7,431 |
| Loan loss allowance to noncurrent loans | 12.2417% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 5.6038% | 1,039 |
| Noncurrent loans to loans | 5.4798% | 1,186 |
| Net loans and leases to total assets | 76.1234% | 1,763 |
| Net loans and leases to deposits | 87.1394% | 2,713 |
| Net loans and leases to core deposits | 94.8047% | 4,586 |
| Total domestic deposits to total assets | 87.3581% | 2,289 |
| Equity capital to assets | 8.6524% | 5,657 |
| Core capital (leverage) ratio | 8.1028% | 5,988 |
| Tier 1 risk-based capital ratio | 10.8753% | 6,035 |
| Total risk-based capital ratio | 11.5937% | 6,517 |
| Memoranda: | ||
| Average total assets | $663,925,000 | 1,043 |
| Average earning assets | $587,768,200 | 1,070 |
| Average equity | $56,476,000 | 1,165 |
| Average total loans | $497,524,800 | 963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 5,703 |
| Cost of funding earning assets | 2.2639% | 2,133 |
| Net interest margin | 2.9826% | 6,648 |
| Noninterest income to average assets | 1.5580% | 610 |
| Noninterest expense to average assets | 4.2264% | 1,006 |
| Loan and lease loss provision to assets | 0.2839% | 4,704 |
| Net operating income to assets | -0.1694% | 6,009 |
| Return on assets (ROA) | -0.0281% | 5,821 |
| Pretax return on assets | -0.0871% | 5,828 |
| Return on Equity (ROE) | -0.3317% | 5,831 |
| Retained earnings to average equity (ytd only) | -4.4055% | 6,174 |
| Net charge-offs to loans | 0.4508% | 3,429 |
| Credit loss provision to net charge-offs | 84.5196% | 5,638 |
| Earnings coverage of net charge-offs (x) | -0.0712% | 6,148 |
| Efficiency ratio | 100.5690% | 1,034 |
| Assets per employee ($millions) | 2.9223% | 6,351 |
| Cash dividends to net income (ytd only)* | -1,228.3404% | 8,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 7,479 |
| Loan loss allowance to noncurrent loans | 11.4663% | 7,420 |
| Noncurrent assets plus other real estate owned to assets | 5.5439% | 1,026 |
| Noncurrent loans to loans | 5.7237% | 1,073 |
| Net loans and leases to total assets | 76.7273% | 1,841 |
| Net loans and leases to deposits | 88.2100% | 2,919 |
| Net loans and leases to core deposits | 96.4526% | 4,760 |
| Total domestic deposits to total assets | 86.9825% | 2,190 |
| Equity capital to assets | 8.6130% | 6,099 |
| Core capital (leverage) ratio | 7.9608% | 6,428 |
| Tier 1 risk-based capital ratio | 10.8167% | 6,135 |
| Total risk-based capital ratio | 11.5350% | 6,645 |
| Memoranda: | ||
| Average total assets | $669,139,250 | 1,042 |
| Average earning assets | $593,298,500 | 1,078 |
| Average equity | $56,684,750 | 1,182 |
| Average total loans | $498,698,250 | 980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 5,645 |
| Cost of funding earning assets | 2.3610% | 2,120 |
| Net interest margin | 2.9423% | 6,705 |
| Noninterest income to average assets | 1.6134% | 574 |
| Noninterest expense to average assets | 4.3986% | 856 |
| Loan and lease loss provision to assets | 0.2760% | 4,370 |
| Net operating income to assets | -0.2489% | 6,261 |
| Return on assets (ROA) | -0.1490% | 6,124 |
| Pretax return on assets | -0.2959% | 6,232 |
| Return on Equity (ROE) | -1.7680% | 6,187 |
| Retained earnings to average equity (ytd only) | -7.4032% | 6,605 |
| Net charge-offs to loans | 0.5463% | 2,690 |
| Credit loss provision to net charge-offs | 68.5841% | 5,443 |
| Earnings coverage of net charge-offs (x) | -0.4373% | 6,040 |
| Efficiency ratio | 104.1673% | 1,027 |
| Assets per employee ($millions) | 2.7997% | 6,626 |
| Cash dividends to net income (ytd only)* | -318.7251% | 8,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 7,586 |
| Loan loss allowance to noncurrent loans | 13.6368% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 4.3485% | 1,322 |
| Noncurrent loans to loans | 4.5885% | 1,393 |
| Net loans and leases to total assets | 74.8124% | 2,495 |
| Net loans and leases to deposits | 86.5215% | 3,458 |
| Net loans and leases to core deposits | 94.6758% | 5,043 |
| Total domestic deposits to total assets | 86.4669% | 2,525 |
| Equity capital to assets | 8.3018% | 6,328 |
| Core capital (leverage) ratio | 7.7410% | 6,691 |
| Tier 1 risk-based capital ratio | 10.8020% | 6,078 |
| Total risk-based capital ratio | 11.4864% | 6,598 |
| Memoranda: | ||
| Average total assets | $673,989,000 | 1,046 |
| Average earning assets | $597,701,670 | 1,079 |
| Average equity | $56,786,330 | 1,186 |
| Average total loans | $496,408,670 | 1,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 5,412 |
| Cost of funding earning assets | 2.4636% | 2,055 |
| Net interest margin | 2.9395% | 6,641 |
| Noninterest income to average assets | 1.4269% | 693 |
| Noninterest expense to average assets | 4.4126% | 773 |
| Loan and lease loss provision to assets | 0.3725% | 3,090 |
| Net operating income to assets | -0.4225% | 6,803 |
| Return on assets (ROA) | -0.2537% | 6,701 |
| Pretax return on assets | -0.4867% | 6,811 |
| Return on Equity (ROE) | -2.9893% | 6,775 |
| Retained earnings to average equity (ytd only) | -4.3829% | 6,470 |
| Net charge-offs to loans | 0.8686% | 1,503 |
| Credit loss provision to net charge-offs | 58.8785% | 4,539 |
| Earnings coverage of net charge-offs (x) | -0.5972% | 5,284 |
| Efficiency ratio | 109.3654% | 824 |
| Assets per employee ($millions) | 2.7580% | 6,750 |
| Cash dividends to net income (ytd only)* | -46.6200% | 8,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 7,599 |
| Loan loss allowance to noncurrent loans | 20.7389% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 3.2656% | 1,686 |
| Noncurrent loans to loans | 3.0550% | 2,133 |
| Net loans and leases to total assets | 72.8346% | 3,045 |
| Net loans and leases to deposits | 85.0023% | 3,821 |
| Net loans and leases to core deposits | 94.6994% | 5,093 |
| Total domestic deposits to total assets | 85.6855% | 2,878 |
| Equity capital to assets | 8.4705% | 6,118 |
| Core capital (leverage) ratio | 7.8948% | 6,630 |
| Tier 1 risk-based capital ratio | 11.3789% | 5,523 |
| Total risk-based capital ratio | 12.0758% | 5,973 |
| Memoranda: | ||
| Average total assets | $676,423,500 | 1,038 |
| Average earning assets | $600,108,500 | 1,071 |
| Average equity | $57,405,000 | 1,183 |
| Average total loans | $492,744,500 | 1,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 5,761 |
| Cost of funding earning assets | 2.9284% | 2,149 |
| Net interest margin | 3.0304% | 6,836 |
| Noninterest income to average assets | 1.5209% | 605 |
| Noninterest expense to average assets | 4.2872% | 1,063 |
| Loan and lease loss provision to assets | 0.2635% | 4,289 |
| Net operating income to assets | -0.1356% | 6,541 |
| Return on assets (ROA) | -0.0576% | 6,302 |
| Pretax return on assets | -0.2265% | 6,391 |
| Return on Equity (ROE) | -0.6492% | 6,315 |
| Retained earnings to average equity (ytd only) | -1.8579% | 5,829 |
| Net charge-offs to loans | 0.1824% | 4,370 |
| Credit loss provision to net charge-offs | 195.7907% | 2,505 |
| Earnings coverage of net charge-offs (x) | -0.6303% | 6,522 |
| Efficiency ratio | 102.0185% | 915 |
| Assets per employee ($millions) | 2.8814% | 6,363 |
| Cash dividends to net income (ytd only)* | -186.1702% | 8,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7297% | 7,352 |
| Loan loss allowance to noncurrent loans | 34.5204% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 2.2099% | 2,209 |
| Noncurrent loans to loans | 2.1138% | 2,610 |
| Net loans and leases to total assets | 71.8648% | 3,619 |
| Net loans and leases to deposits | 86.1732% | 4,095 |
| Net loans and leases to core deposits | 96.9641% | 5,155 |
| Total domestic deposits to total assets | 83.3958% | 3,616 |
| Equity capital to assets | 8.5026% | 6,077 |
| Core capital (leverage) ratio | 7.9999% | 6,490 |
| Tier 1 risk-based capital ratio | 12.2827% | 4,599 |
| Total risk-based capital ratio | 13.1261% | 4,821 |
| Memoranda: | ||
| Average total assets | $653,102,600 | 1,026 |
| Average earning assets | $577,901,200 | 1,069 |
| Average equity | $57,916,000 | 1,157 |
| Average total loans | $481,992,600 | 996 |