Home > Adams Community Bank > Performance and Condition Ratios
Adams Community 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 | 4.0431% | 3,893 |
| Cost of funding earning assets | 1.5078% | 1,923 |
| Net interest margin | 2.5353% | 4,060 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.9586% | 3,716 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5172% | 3,636 |
| Return on assets (ROA) | 0.5165% | 3,628 |
| Pretax return on assets | 0.6772% | 3,485 |
| Return on Equity (ROE) | 5.8200% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.8158% | 2,317 |
| Net charge-offs to loans | 0.0167% | 2,040 |
| Credit loss provision to net charge-offs | 193.2331% | 1,246 |
| Earnings coverage of net charge-offs (x) | 51.2932% | 1,279 |
| Efficiency ratio | 73.5407% | 1,496 |
| Assets per employee ($millions) | 8.1530% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 4,246 |
| Loan loss allowance to noncurrent loans | 173.6879% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 1,697 |
| Noncurrent loans to loans | 0.3460% | 1,941 |
| Net loans and leases to total assets | 83.1100% | 336 |
| Net loans and leases to deposits | 105.8402% | 302 |
| Net loans and leases to core deposits | 125.7126% | 490 |
| Total domestic deposits to total assets | 78.5200% | 3,668 |
| Equity capital to assets | 9.1032% | 2,608 |
| Core capital (leverage) ratio | 9.4633% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9577% | 1,285 |
| Memoranda: | ||
| Average total assets | $968,094,800 | 1,012 |
| Average earning assets | $912,372,200 | 984 |
| Average equity | $85,972,000 | 1,072 |
| Average total loans | $794,988,200 | 867 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,907 |
| Cost of funding earning assets | 1.3543% | 1,991 |
| Net interest margin | 2.6064% | 4,025 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.8671% | 3,856 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6257% | 3,480 |
| Return on assets (ROA) | 0.6247% | 3,478 |
| Pretax return on assets | 0.8286% | 3,270 |
| Return on Equity (ROE) | 7.0800% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.0808% | 2,251 |
| Net charge-offs to loans | 0.0195% | 1,737 |
| Credit loss provision to net charge-offs | 161.7391% | 1,268 |
| Earnings coverage of net charge-offs (x) | 53.6522% | 1,269 |
| Efficiency ratio | 68.5749% | 1,956 |
| Assets per employee ($millions) | 7.8058% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 4,256 |
| Loan loss allowance to noncurrent loans | 152.5455% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 1,620 |
| Noncurrent loans to loans | 0.3975% | 1,833 |
| Net loans and leases to total assets | 81.7400% | 461 |
| Net loans and leases to deposits | 100.0235% | 516 |
| Net loans and leases to core deposits | 119.3701% | 566 |
| Total domestic deposits to total assets | 81.7200% | 3,269 |
| Equity capital to assets | 8.6797% | 2,608 |
| Core capital (leverage) ratio | 9.6337% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1405% | 1,284 |
| Memoranda: | ||
| Average total assets | $961,450,500 | 1,020 |
| Average earning assets | $906,141,750 | 991 |
| Average equity | $84,828,250 | 1,077 |
| Average total loans | $785,829,500 | 872 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,880 |
| Cost of funding earning assets | 1.1955% | 2,010 |
| Net interest margin | 2.6986% | 3,973 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.2266% | 2,997 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4192% | 3,972 |
| Return on assets (ROA) | 0.4177% | 3,978 |
| Pretax return on assets | 0.5453% | 3,890 |
| Return on Equity (ROE) | 4.7100% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.7073% | 3,024 |
| Net charge-offs to loans | 0.0428% | 1,080 |
| Credit loss provision to net charge-offs | 110.8434% | 1,374 |
| Earnings coverage of net charge-offs (x) | 16.7892% | 1,818 |
| Efficiency ratio | 79.1704% | 894 |
| Assets per employee ($millions) | 7.7762% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6146% | 4,287 |
| Loan loss allowance to noncurrent loans | 234.2433% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 1,982 |
| Noncurrent loans to loans | 0.2624% | 2,220 |
| Net loans and leases to total assets | 82.0300% | 425 |
| Net loans and leases to deposits | 99.7656% | 523 |
| Net loans and leases to core deposits | 119.7877% | 518 |
| Total domestic deposits to total assets | 82.2200% | 3,187 |
| Equity capital to assets | 8.8711% | 2,608 |
| Core capital (leverage) ratio | 9.5804% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2242% | 1,279 |
| Memoranda: | ||
| Average total assets | $951,490,000 | 1,019 |
| Average earning assets | $897,052,333 | 999 |
| Average equity | $84,422,667 | 1,076 |
| Average total loans | $776,020,000 | 863 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 3,782 |
| Cost of funding earning assets | 1.0086% | 2,017 |
| Net interest margin | 2.8303% | 3,903 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2770% | 2,878 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.4762% | 3,955 |
| Return on assets (ROA) | 0.4732% | 3,914 |
| Pretax return on assets | 0.6264% | 3,800 |
| Return on Equity (ROE) | 5.3300% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.3324% | 2,945 |
| Net charge-offs to loans | 0.0016% | 1,987 |
| Credit loss provision to net charge-offs | 3,133.3333% | 142 |
| Earnings coverage of net charge-offs (x) | 527.6667% | 217 |
| Efficiency ratio | 77.2655% | 1,069 |
| Assets per employee ($millions) | 7.9224% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 4,315 |
| Loan loss allowance to noncurrent loans | 271.1087% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 2,026 |
| Noncurrent loans to loans | 0.2360% | 2,322 |
| Net loans and leases to total assets | 80.4300% | 501 |
| Net loans and leases to deposits | 92.9712% | 854 |
| Net loans and leases to core deposits | 113.1596% | 607 |
| Total domestic deposits to total assets | 86.5100% | 2,440 |
| Equity capital to assets | 8.9222% | 2,575 |
| Core capital (leverage) ratio | 9.6346% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4872% | 1,264 |
| Memoranda: | ||
| Average total assets | $945,108,000 | 1,043 |
| Average earning assets | $891,493,000 | 1,020 |
| Average equity | $83,864,000 | 1,093 |
| Average total loans | $766,111,500 | 890 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 3,221 |
| Cost of funding earning assets | 0.4578% | 1,664 |
| Net interest margin | 2.9876% | 3,480 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.1264% | 3,226 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6625% | 3,730 |
| Return on assets (ROA) | 0.6625% | 3,680 |
| Pretax return on assets | 0.8796% | 3,417 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.5730% | 1,996 |
| Net charge-offs to loans | -0.0030% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9459% | 1,836 |
| Assets per employee ($millions) | 7.8286% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 4,174 |
| Loan loss allowance to noncurrent loans | 409.2606% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,156 |
| Noncurrent loans to loans | 0.1771% | 2,599 |
| Net loans and leases to total assets | 80.5900% | 536 |
| Net loans and leases to deposits | 91.8952% | 920 |
| Net loans and leases to core deposits | 101.5138% | 922 |
| Total domestic deposits to total assets | 87.7000% | 2,180 |
| Equity capital to assets | 8.8233% | 2,471 |
| Core capital (leverage) ratio | 9.6830% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6055% | 1,210 |
| Memoranda: | ||
| Average total assets | $917,031,200 | 1,058 |
| Average earning assets | $865,960,200 | 1,037 |
| Average equity | $80,219,600 | 1,127 |
| Average total loans | $711,529,800 | 892 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 3,011 |
| Cost of funding earning assets | 0.4182% | 1,169 |
| Net interest margin | 2.9429% | 3,377 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.0862% | 3,245 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.6551% | 3,682 |
| Return on assets (ROA) | 0.6551% | 3,640 |
| Pretax return on assets | 0.8715% | 3,414 |
| Return on Equity (ROE) | 7.5100% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.5056% | 2,189 |
| Net charge-offs to loans | -0.0002% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.4248% | 1,962 |
| Assets per employee ($millions) | 7.6244% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,200 |
| Loan loss allowance to noncurrent loans | 327.3281% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 2,089 |
| Noncurrent loans to loans | 0.2251% | 2,489 |
| Net loans and leases to total assets | 79.1800% | 602 |
| Net loans and leases to deposits | 88.2017% | 1,019 |
| Net loans and leases to core deposits | 95.4973% | 1,023 |
| Total domestic deposits to total assets | 89.7700% | 1,756 |
| Equity capital to assets | 8.9332% | 2,255 |
| Core capital (leverage) ratio | 9.5821% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5842% | 1,266 |
| Memoranda: | ||
| Average total assets | $913,389,000 | 1,072 |
| Average earning assets | $862,712,000 | 1,051 |
| Average equity | $79,725,000 | 1,145 |
| Average total loans | $700,349,250 | 903 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2460% | 2,906 |
| Cost of funding earning assets | 0.4185% | 817 |
| Net interest margin | 2.8275% | 3,360 |
| Noninterest income to average assets | 0.2614% | 3,605 |
| Noninterest expense to average assets | 2.0636% | 3,252 |
| Loan and lease loss provision to assets | 0.0881% | 1,121 |
| Net operating income to assets | 0.5900% | 3,655 |
| Return on assets (ROA) | 0.5900% | 3,597 |
| Pretax return on assets | 0.7832% | 3,368 |
| Return on Equity (ROE) | 6.8129% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.8129% | 2,045 |
| Net charge-offs to loans | -0.0041% | 3,278 |
| Credit loss provision to net charge-offs | -2,871.4286% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2075% | 1,931 |
| Assets per employee ($millions) | 7.8775% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 4,275 |
| Loan loss allowance to noncurrent loans | 408.1633% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 2,445 |
| Noncurrent loans to loans | 0.1803% | 2,795 |
| Net loans and leases to total assets | 76.1091% | 722 |
| Net loans and leases to deposits | 86.2040% | 956 |
| Net loans and leases to core deposits | 88.2012% | 1,214 |
| Total domestic deposits to total assets | 88.2895% | 2,467 |
| Equity capital to assets | 9.0926% | 2,326 |
| Core capital (leverage) ratio | 9.2541% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6701% | 1,269 |
| Memoranda: | ||
| Average total assets | $912,874,667 | 1,067 |
| Average earning assets | $863,158,333 | 1,049 |
| Average equity | $79,055,667 | 1,173 |
| Average total loans | $690,528,667 | 902 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 2,695 |
| Cost of funding earning assets | 0.4169% | 790 |
| Net interest margin | 2.7814% | 3,195 |
| Noninterest income to average assets | 0.2589% | 3,585 |
| Noninterest expense to average assets | 2.0505% | 3,298 |
| Loan and lease loss provision to assets | 0.1154% | 725 |
| Net operating income to assets | 0.5473% | 3,567 |
| Return on assets (ROA) | 0.5473% | 3,541 |
| Pretax return on assets | 0.7252% | 3,320 |
| Return on Equity (ROE) | 6.4840% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.4840% | 2,079 |
| Net charge-offs to loans | -0.0123% | 3,667 |
| Credit loss provision to net charge-offs | -1,247.6190% | 3,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8194% | 2,120 |
| Assets per employee ($millions) | 8.3446% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,346 |
| Loan loss allowance to noncurrent loans | 303.7770% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 2,397 |
| Noncurrent loans to loans | 0.2394% | 2,638 |
| Net loans and leases to total assets | 74.6762% | 602 |
| Net loans and leases to deposits | 84.9322% | 814 |
| Net loans and leases to core deposits | 87.0353% | 1,079 |
| Total domestic deposits to total assets | 87.9245% | 2,558 |
| Equity capital to assets | 9.2763% | 2,465 |
| Core capital (leverage) ratio | 9.6114% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7467% | 1,326 |
| Memoranda: | ||
| Average total assets | $908,477,000 | 1,070 |
| Average earning assets | $859,723,500 | 1,057 |
| Average equity | $76,681,500 | 1,237 |
| Average total loans | $682,455,500 | 899 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3336% | 3,103 |
| Cost of funding earning assets | 0.5465% | 729 |
| Net interest margin | 2.7871% | 3,696 |
| Noninterest income to average assets | 0.3538% | 3,321 |
| Noninterest expense to average assets | 2.2236% | 3,002 |
| Loan and lease loss provision to assets | 0.0880% | 1,405 |
| Net operating income to assets | 0.5096% | 4,066 |
| Return on assets (ROA) | 0.5096% | 4,115 |
| Pretax return on assets | 0.6737% | 3,985 |
| Return on Equity (ROE) | 6.4781% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.4781% | 2,142 |
| Net charge-offs to loans | 0.1386% | 670 |
| Credit loss provision to net charge-offs | 82.8341% | 1,936 |
| Earnings coverage of net charge-offs (x) | 7.1728% | 2,357 |
| Efficiency ratio | 74.3669% | 1,264 |
| Assets per employee ($millions) | 7.8824% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 4,398 |
| Loan loss allowance to noncurrent loans | 265.4828% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,324 |
| Noncurrent loans to loans | 0.2697% | 2,633 |
| Net loans and leases to total assets | 74.4772% | 626 |
| Net loans and leases to deposits | 83.3760% | 960 |
| Net loans and leases to core deposits | 85.0792% | 1,253 |
| Total domestic deposits to total assets | 89.3269% | 1,340 |
| Equity capital to assets | 7.5716% | 4,563 |
| Core capital (leverage) ratio | 6.9521% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8638% | 2,682 |
| Memoranda: | ||
| Average total assets | $817,427,400 | 1,138 |
| Average earning assets | $771,777,400 | 1,125 |
| Average equity | $64,309,200 | 1,441 |
| Average total loans | $626,266,400 | 967 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 3,196 |
| Cost of funding earning assets | 0.5730% | 731 |
| Net interest margin | 2.7942% | 3,794 |
| Noninterest income to average assets | 0.3657% | 3,266 |
| Noninterest expense to average assets | 2.2595% | 2,866 |
| Loan and lease loss provision to assets | 0.0815% | 1,453 |
| Net operating income to assets | 0.5000% | 4,206 |
| Return on assets (ROA) | 0.5000% | 4,248 |
| Pretax return on assets | 0.6609% | 4,140 |
| Return on Equity (ROE) | 6.2902% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.2902% | 2,702 |
| Net charge-offs to loans | 0.1851% | 460 |
| Credit loss provision to net charge-offs | 57.0760% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.2035% | 2,232 |
| Efficiency ratio | 75.1487% | 1,108 |
| Assets per employee ($millions) | 7.7576% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 4,465 |
| Loan loss allowance to noncurrent loans | 231.7766% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,636 |
| Noncurrent loans to loans | 0.3118% | 2,669 |
| Net loans and leases to total assets | 72.8397% | 789 |
| Net loans and leases to deposits | 82.0222% | 1,118 |
| Net loans and leases to core deposits | 84.1083% | 1,418 |
| Total domestic deposits to total assets | 88.8048% | 1,398 |
| Equity capital to assets | 7.5374% | 4,693 |
| Core capital (leverage) ratio | 7.1675% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1142% | 2,320 |
| Memoranda: | ||
| Average total assets | $799,107,750 | 1,172 |
| Average earning assets | $753,875,500 | 1,155 |
| Average equity | $63,526,250 | 1,468 |
| Average total loans | $615,793,750 | 997 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 3,154 |
| Cost of funding earning assets | 0.6123% | 705 |
| Net interest margin | 2.7981% | 3,787 |
| Noninterest income to average assets | 0.3332% | 3,430 |
| Noninterest expense to average assets | 2.3064% | 2,754 |
| Loan and lease loss provision to assets | 0.0835% | 1,465 |
| Net operating income to assets | 0.4455% | 4,308 |
| Return on assets (ROA) | 0.4455% | 4,349 |
| Pretax return on assets | 0.5794% | 4,270 |
| Return on Equity (ROE) | 5.4989% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.4989% | 2,998 |
| Net charge-offs to loans | 0.2795% | 311 |
| Credit loss provision to net charge-offs | 38.1008% | 1,669 |
| Earnings coverage of net charge-offs (x) | 3.0246% | 2,096 |
| Efficiency ratio | 77.5547% | 947 |
| Assets per employee ($millions) | 7.4913% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 4,526 |
| Loan loss allowance to noncurrent loans | 144.0484% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,053 |
| Noncurrent loans to loans | 0.4903% | 2,211 |
| Net loans and leases to total assets | 73.8151% | 775 |
| Net loans and leases to deposits | 84.0232% | 1,067 |
| Net loans and leases to core deposits | 86.2695% | 1,396 |
| Total domestic deposits to total assets | 87.8508% | 1,912 |
| Equity capital to assets | 7.6465% | 4,693 |
| Core capital (leverage) ratio | 7.3065% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2460% | 2,268 |
| Memoranda: | ||
| Average total assets | $778,445,667 | 1,189 |
| Average earning assets | $733,359,000 | 1,176 |
| Average equity | $63,067,000 | 1,463 |
| Average total loans | $610,463,667 | 1,014 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 2,877 |
| Cost of funding earning assets | 0.6513% | 689 |
| Net interest margin | 2.8629% | 3,611 |
| Noninterest income to average assets | 0.3106% | 3,544 |
| Noninterest expense to average assets | 2.3434% | 2,669 |
| Loan and lease loss provision to assets | 0.0855% | 1,532 |
| Net operating income to assets | 0.4331% | 4,303 |
| Return on assets (ROA) | 0.4331% | 4,334 |
| Pretax return on assets | 0.5726% | 4,233 |
| Return on Equity (ROE) | 5.1821% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.1821% | 3,173 |
| Net charge-offs to loans | -0.0152% | 3,864 |
| Credit loss provision to net charge-offs | -695.6522% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9480% | 956 |
| Assets per employee ($millions) | 7.0570% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,338 |
| Loan loss allowance to noncurrent loans | 74.6208% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 972 |
| Noncurrent loans to loans | 1.1183% | 1,197 |
| Net loans and leases to total assets | 79.0376% | 398 |
| Net loans and leases to deposits | 90.9158% | 652 |
| Net loans and leases to core deposits | 93.6638% | 1,006 |
| Total domestic deposits to total assets | 86.9349% | 2,339 |
| Equity capital to assets | 8.1369% | 4,408 |
| Core capital (leverage) ratio | 7.5770% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6245% | 2,034 |
| Memoranda: | ||
| Average total assets | $748,156,500 | 1,218 |
| Average earning assets | $703,196,500 | 1,206 |
| Average equity | $62,522,500 | 1,462 |
| Average total loans | $603,830,000 | 1,023 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,029 |
| Cost of funding earning assets | 0.8702% | 948 |
| Net interest margin | 3.0290% | 3,823 |
| Noninterest income to average assets | 0.5071% | 2,600 |
| Noninterest expense to average assets | 2.4504% | 2,991 |
| Loan and lease loss provision to assets | 0.1640% | 2,325 |
| Net operating income to assets | 0.5528% | 3,900 |
| Return on assets (ROA) | 0.5562% | 3,987 |
| Pretax return on assets | 0.7225% | 3,836 |
| Return on Equity (ROE) | 6.2501% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.2501% | 1,680 |
| Net charge-offs to loans | 0.0083% | 3,035 |
| Credit loss provision to net charge-offs | 2,361.7021% | 391 |
| Earnings coverage of net charge-offs (x) | 127.0638% | 675 |
| Efficiency ratio | 73.4087% | 1,517 |
| Assets per employee ($millions) | 6.9914% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,356 |
| Loan loss allowance to noncurrent loans | 67.9945% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 952 |
| Noncurrent loans to loans | 1.2202% | 1,143 |
| Net loans and leases to total assets | 81.0953% | 358 |
| Net loans and leases to deposits | 94.4943% | 629 |
| Net loans and leases to core deposits | 99.4378% | 928 |
| Total domestic deposits to total assets | 85.8203% | 2,446 |
| Equity capital to assets | 8.5896% | 4,380 |
| Core capital (leverage) ratio | 8.0245% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9412% | 1,874 |
| Memoranda: | ||
| Average total assets | $676,938,200 | 1,209 |
| Average earning assets | $631,472,600 | 1,210 |
| Average equity | $60,238,800 | 1,440 |
| Average total loans | $568,271,200 | 1,029 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 3,195 |
| Cost of funding earning assets | 0.9165% | 1,014 |
| Net interest margin | 3.0019% | 3,972 |
| Noninterest income to average assets | 0.4760% | 2,711 |
| Noninterest expense to average assets | 2.4814% | 2,904 |
| Loan and lease loss provision to assets | 0.1325% | 2,696 |
| Net operating income to assets | 0.5111% | 3,997 |
| Return on assets (ROA) | 0.5157% | 4,086 |
| Pretax return on assets | 0.6648% | 3,973 |
| Return on Equity (ROE) | 5.7411% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.7411% | 2,216 |
| Net charge-offs to loans | 0.0083% | 2,815 |
| Credit loss provision to net charge-offs | 1,885.7143% | 503 |
| Earnings coverage of net charge-offs (x) | 112.6857% | 731 |
| Efficiency ratio | 75.6883% | 1,233 |
| Assets per employee ($millions) | 6.6066% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 4,465 |
| Loan loss allowance to noncurrent loans | 95.4555% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 1,721 |
| Noncurrent loans to loans | 0.7930% | 1,836 |
| Net loans and leases to total assets | 83.3670% | 330 |
| Net loans and leases to deposits | 97.6648% | 646 |
| Net loans and leases to core deposits | 103.4791% | 955 |
| Total domestic deposits to total assets | 85.3604% | 2,297 |
| Equity capital to assets | 8.7007% | 4,329 |
| Core capital (leverage) ratio | 8.0545% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7845% | 1,898 |
| Memoranda: | ||
| Average total assets | $664,396,750 | 1,211 |
| Average earning assets | $619,023,750 | 1,214 |
| Average equity | $59,684,750 | 1,440 |
| Average total loans | $561,694,000 | 1,036 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,640 |
| Cost of funding earning assets | 0.9679% | 1,076 |
| Net interest margin | 2.9262% | 4,266 |
| Noninterest income to average assets | 0.3334% | 3,471 |
| Noninterest expense to average assets | 2.5191% | 2,910 |
| Loan and lease loss provision to assets | 0.1107% | 2,905 |
| Net operating income to assets | 0.3442% | 4,341 |
| Return on assets (ROA) | 0.3519% | 4,382 |
| Pretax return on assets | 0.4349% | 4,363 |
| Return on Equity (ROE) | 3.8729% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.8729% | 2,973 |
| Net charge-offs to loans | 0.0065% | 2,730 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 96.8333% | 710 |
| Efficiency ratio | 82.3115% | 739 |
| Assets per employee ($millions) | 6.6677% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,502 |
| Loan loss allowance to noncurrent loans | 76.1526% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 1,515 |
| Noncurrent loans to loans | 0.9634% | 1,608 |
| Net loans and leases to total assets | 82.9839% | 327 |
| Net loans and leases to deposits | 98.0494% | 653 |
| Net loans and leases to core deposits | 105.3002% | 924 |
| Total domestic deposits to total assets | 84.6349% | 2,523 |
| Equity capital to assets | 8.7274% | 4,333 |
| Core capital (leverage) ratio | 8.2217% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5563% | 1,977 |
| Memoranda: | ||
| Average total assets | $650,226,000 | 1,212 |
| Average earning assets | $604,814,333 | 1,219 |
| Average equity | $59,077,667 | 1,441 |
| Average total loans | $550,984,000 | 1,035 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,505 |
| Cost of funding earning assets | 1.0671% | 1,159 |
| Net interest margin | 3.0411% | 4,210 |
| Noninterest income to average assets | 0.3405% | 3,482 |
| Noninterest expense to average assets | 2.5084% | 3,249 |
| Loan and lease loss provision to assets | 0.0760% | 2,776 |
| Net operating income to assets | 0.4573% | 3,999 |
| Return on assets (ROA) | 0.4754% | 4,012 |
| Pretax return on assets | 0.6038% | 3,912 |
| Return on Equity (ROE) | 5.1221% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.1221% | 2,219 |
| Net charge-offs to loans | 0.0082% | 2,270 |
| Credit loss provision to net charge-offs | 1,090.9091% | 537 |
| Earnings coverage of net charge-offs (x) | 94.3636% | 600 |
| Efficiency ratio | 79.1042% | 1,226 |
| Assets per employee ($millions) | 6.2135% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 4,551 |
| Loan loss allowance to noncurrent loans | 102.2354% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 2,106 |
| Noncurrent loans to loans | 0.7181% | 2,203 |
| Net loans and leases to total assets | 84.8829% | 208 |
| Net loans and leases to deposits | 102.7747% | 421 |
| Net loans and leases to core deposits | 112.9179% | 713 |
| Total domestic deposits to total assets | 82.5913% | 3,237 |
| Equity capital to assets | 9.3370% | 4,363 |
| Core capital (leverage) ratio | 8.5771% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7661% | 1,985 |
| Memoranda: | ||
| Average total assets | $631,954,500 | 1,211 |
| Average earning assets | $587,022,500 | 1,212 |
| Average equity | $58,648,000 | 1,444 |
| Average total loans | $539,416,000 | 1,028 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,679 |
| Cost of funding earning assets | 1.1084% | 1,292 |
| Net interest margin | 3.1412% | 4,301 |
| Noninterest income to average assets | 0.3720% | 3,470 |
| Noninterest expense to average assets | 2.6125% | 3,145 |
| Loan and lease loss provision to assets | 0.0774% | 2,445 |
| Net operating income to assets | 0.4729% | 4,464 |
| Return on assets (ROA) | 0.6859% | 3,976 |
| Pretax return on assets | 0.8684% | 3,829 |
| Return on Equity (ROE) | 7.4476% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.4476% | 1,187 |
| Net charge-offs to loans | 0.0885% | 1,851 |
| Credit loss provision to net charge-offs | 103.2967% | 2,400 |
| Earnings coverage of net charge-offs (x) | 9.0220% | 2,712 |
| Efficiency ratio | 79.2756% | 1,006 |
| Assets per employee ($millions) | 6.4299% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 4,531 |
| Loan loss allowance to noncurrent loans | 124.0782% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 2,344 |
| Noncurrent loans to loans | 0.5809% | 2,443 |
| Net loans and leases to total assets | 84.5878% | 269 |
| Net loans and leases to deposits | 104.8409% | 345 |
| Net loans and leases to core deposits | 115.6429% | 616 |
| Total domestic deposits to total assets | 80.6821% | 3,838 |
| Equity capital to assets | 9.2235% | 4,554 |
| Core capital (leverage) ratio | 8.5540% | 4,815 |
| Tier 1 risk-based capital ratio | 13.8303% | 3,350 |
| Total risk-based capital ratio | 14.8478% | 3,372 |
| Memoranda: | ||
| Average total assets | $606,962,000 | 1,212 |
| Average earning assets | $563,599,800 | 1,210 |
| Average equity | $55,897,400 | 1,444 |
| Average total loans | $513,921,800 | 1,053 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 3,749 |
| Cost of funding earning assets | 1.1075% | 1,320 |
| Net interest margin | 3.1625% | 4,377 |
| Noninterest income to average assets | 0.3644% | 3,538 |
| Noninterest expense to average assets | 2.6463% | 3,023 |
| Loan and lease loss provision to assets | 0.0807% | 2,293 |
| Net operating income to assets | 0.4543% | 4,619 |
| Return on assets (ROA) | 0.6815% | 4,133 |
| Pretax return on assets | 0.8592% | 3,978 |
| Return on Equity (ROE) | 7.4035% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.4035% | 1,668 |
| Net charge-offs to loans | 0.1228% | 1,279 |
| Credit loss provision to net charge-offs | 77.7778% | 2,532 |
| Earnings coverage of net charge-offs (x) | 6.2842% | 2,851 |
| Efficiency ratio | 80.0645% | 918 |
| Assets per employee ($millions) | 6.1822% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 4,617 |
| Loan loss allowance to noncurrent loans | 140.2243% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 2,691 |
| Noncurrent loans to loans | 0.5104% | 2,761 |
| Net loans and leases to total assets | 84.1680% | 335 |
| Net loans and leases to deposits | 104.1674% | 403 |
| Net loans and leases to core deposits | 114.1021% | 744 |
| Total domestic deposits to total assets | 80.8008% | 3,807 |
| Equity capital to assets | 9.1883% | 4,672 |
| Core capital (leverage) ratio | 8.5349% | 4,931 |
| Tier 1 risk-based capital ratio | 13.7868% | 3,429 |
| Total risk-based capital ratio | 14.8308% | 3,446 |
| Memoranda: | ||
| Average total assets | $601,170,000 | 1,225 |
| Average earning assets | $557,774,750 | 1,220 |
| Average equity | $55,341,750 | 1,464 |
| Average total loans | $508,181,500 | 1,059 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,747 |
| Cost of funding earning assets | 1.1017% | 1,296 |
| Net interest margin | 3.1621% | 4,437 |
| Noninterest income to average assets | 0.3634% | 3,501 |
| Noninterest expense to average assets | 2.6973% | 2,916 |
| Loan and lease loss provision to assets | 0.0772% | 2,265 |
| Net operating income to assets | 0.4169% | 4,705 |
| Return on assets (ROA) | 0.6052% | 4,335 |
| Pretax return on assets | 0.7557% | 4,205 |
| Return on Equity (ROE) | 6.5701% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.5701% | 2,019 |
| Net charge-offs to loans | 0.0517% | 1,907 |
| Credit loss provision to net charge-offs | 176.9231% | 1,329 |
| Earnings coverage of net charge-offs (x) | 13.6846% | 2,080 |
| Efficiency ratio | 81.7023% | 823 |
| Assets per employee ($millions) | 6.0308% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,545 |
| Loan loss allowance to noncurrent loans | 180.1822% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 2,812 |
| Noncurrent loans to loans | 0.4271% | 3,000 |
| Net loans and leases to total assets | 82.9015% | 487 |
| Net loans and leases to deposits | 101.5751% | 571 |
| Net loans and leases to core deposits | 112.9814% | 820 |
| Total domestic deposits to total assets | 81.6160% | 3,633 |
| Equity capital to assets | 9.0708% | 4,755 |
| Core capital (leverage) ratio | 8.3579% | 5,040 |
| Tier 1 risk-based capital ratio | 13.5449% | 3,557 |
| Total risk-based capital ratio | 14.7006% | 3,508 |
| Memoranda: | ||
| Average total assets | $595,487,330 | 1,234 |
| Average earning assets | $552,045,330 | 1,233 |
| Average equity | $54,854,330 | 1,461 |
| Average total loans | $502,877,670 | 1,072 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 3,612 |
| Cost of funding earning assets | 1.0617% | 1,328 |
| Net interest margin | 3.2198% | 4,349 |
| Noninterest income to average assets | 0.3497% | 3,518 |
| Noninterest expense to average assets | 2.6937% | 2,921 |
| Loan and lease loss provision to assets | 0.0581% | 2,494 |
| Net operating income to assets | 0.4655% | 4,608 |
| Return on assets (ROA) | 0.6092% | 4,249 |
| Pretax return on assets | 0.7602% | 4,148 |
| Return on Equity (ROE) | 6.5609% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.5609% | 2,219 |
| Net charge-offs to loans | 0.0145% | 2,190 |
| Credit loss provision to net charge-offs | 472.2222% | 631 |
| Earnings coverage of net charge-offs (x) | 51.9444% | 1,004 |
| Efficiency ratio | 80.6723% | 989 |
| Assets per employee ($millions) | 5.7433% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,570 |
| Loan loss allowance to noncurrent loans | 158.2090% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,808 |
| Noncurrent loans to loans | 0.4952% | 2,829 |
| Net loans and leases to total assets | 83.9677% | 376 |
| Net loans and leases to deposits | 105.1471% | 352 |
| Net loans and leases to core deposits | 117.4737% | 597 |
| Total domestic deposits to total assets | 79.8574% | 4,197 |
| Equity capital to assets | 9.2993% | 4,434 |
| Core capital (leverage) ratio | 8.5470% | 4,983 |
| Tier 1 risk-based capital ratio | 13.6164% | 3,543 |
| Total risk-based capital ratio | 14.8387% | 3,475 |
| Memoranda: | ||
| Average total assets | $585,660,000 | 1,251 |
| Average earning assets | $542,515,500 | 1,250 |
| Average equity | $54,382,500 | 1,461 |
| Average total loans | $497,358,000 | 1,086 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,696 |
| Cost of funding earning assets | 0.8463% | 1,327 |
| Net interest margin | 3.2691% | 4,344 |
| Noninterest income to average assets | 0.3697% | 3,620 |
| Noninterest expense to average assets | 2.7863% | 2,732 |
| Loan and lease loss provision to assets | 0.0759% | 2,607 |
| Net operating income to assets | 0.4128% | 4,838 |
| Return on assets (ROA) | 0.4453% | 4,771 |
| Pretax return on assets | 0.5544% | 4,715 |
| Return on Equity (ROE) | 4.5543% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.5543% | 3,020 |
| Net charge-offs to loans | 0.0037% | 3,597 |
| Credit loss provision to net charge-offs | 2,464.7059% | 188 |
| Earnings coverage of net charge-offs (x) | 191.4706% | 469 |
| Efficiency ratio | 82.3343% | 771 |
| Assets per employee ($millions) | 5.8562% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 4,604 |
| Loan loss allowance to noncurrent loans | 165.8065% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,811 |
| Noncurrent loans to loans | 0.4706% | 2,865 |
| Net loans and leases to total assets | 84.5557% | 362 |
| Net loans and leases to deposits | 105.9095% | 375 |
| Net loans and leases to core deposits | 115.9571% | 687 |
| Total domestic deposits to total assets | 79.8377% | 4,143 |
| Equity capital to assets | 9.2718% | 4,350 |
| Core capital (leverage) ratio | 8.4604% | 5,043 |
| Tier 1 risk-based capital ratio | 13.5588% | 3,516 |
| Total risk-based capital ratio | 14.7563% | 3,453 |
| Memoranda: | ||
| Average total assets | $551,996,000 | 1,287 |
| Average earning assets | $507,607,400 | 1,293 |
| Average equity | $53,970,600 | 1,426 |
| Average total loans | $464,608,600 | 1,121 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,741 |
| Cost of funding earning assets | 0.7834% | 1,417 |
| Net interest margin | 3.2822% | 4,333 |
| Noninterest income to average assets | 0.3655% | 3,683 |
| Noninterest expense to average assets | 2.8148% | 2,590 |
| Loan and lease loss provision to assets | 0.0810% | 2,336 |
| Net operating income to assets | 0.3906% | 4,976 |
| Return on assets (ROA) | 0.4114% | 4,937 |
| Pretax return on assets | 0.5086% | 4,891 |
| Return on Equity (ROE) | 4.1511% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.1511% | 3,700 |
| Net charge-offs to loans | 0.0376% | 2,326 |
| Credit loss provision to net charge-offs | 256.5891% | 1,154 |
| Earnings coverage of net charge-offs (x) | 17.8678% | 2,092 |
| Efficiency ratio | 83.1089% | 697 |
| Assets per employee ($millions) | 5.5991% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,738 |
| Loan loss allowance to noncurrent loans | 151.9751% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 2,851 |
| Noncurrent loans to loans | 0.4989% | 2,892 |
| Net loans and leases to total assets | 83.7647% | 480 |
| Net loans and leases to deposits | 105.4376% | 466 |
| Net loans and leases to core deposits | 116.6994% | 687 |
| Total domestic deposits to total assets | 79.4448% | 4,227 |
| Equity capital to assets | 9.6278% | 3,970 |
| Core capital (leverage) ratio | 8.6578% | 4,997 |
| Tier 1 risk-based capital ratio | 13.0763% | 3,860 |
| Total risk-based capital ratio | 14.2477% | 3,817 |
| Memoranda: | ||
| Average total assets | $545,055,250 | 1,300 |
| Average earning assets | $500,387,000 | 1,311 |
| Average equity | $54,024,750 | 1,435 |
| Average total loans | $457,242,250 | 1,134 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,693 |
| Cost of funding earning assets | 0.7335% | 1,450 |
| Net interest margin | 3.2950% | 4,261 |
| Noninterest income to average assets | 0.3714% | 3,674 |
| Noninterest expense to average assets | 2.8544% | 2,484 |
| Loan and lease loss provision to assets | 0.0731% | 2,426 |
| Net operating income to assets | 0.3769% | 5,007 |
| Return on assets (ROA) | 0.4038% | 4,956 |
| Pretax return on assets | 0.5004% | 4,907 |
| Return on Equity (ROE) | 4.0332% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,602 |
| Net charge-offs to loans | 0.0552% | 1,815 |
| Credit loss provision to net charge-offs | 158.0645% | 1,524 |
| Earnings coverage of net charge-offs (x) | 11.6855% | 2,251 |
| Efficiency ratio | 83.8862% | 694 |
| Assets per employee ($millions) | 5.3268% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 4,804 |
| Loan loss allowance to noncurrent loans | 195.0747% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 3,262 |
| Noncurrent loans to loans | 0.3908% | 3,295 |
| Net loans and leases to total assets | 83.6391% | 506 |
| Net loans and leases to deposits | 103.2220% | 574 |
| Net loans and leases to core deposits | 110.9970% | 940 |
| Total domestic deposits to total assets | 81.0284% | 3,991 |
| Equity capital to assets | 9.8784% | 3,739 |
| Core capital (leverage) ratio | 8.8718% | 4,818 |
| Tier 1 risk-based capital ratio | 13.4237% | 3,660 |
| Total risk-based capital ratio | 14.5565% | 3,654 |
| Memoranda: | ||
| Average total assets | $536,371,330 | 1,324 |
| Average earning assets | $492,143,670 | 1,333 |
| Average equity | $53,704,670 | 1,446 |
| Average total loans | $448,976,000 | 1,149 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 3,632 |
| Cost of funding earning assets | 0.6848% | 1,525 |
| Net interest margin | 3.3082% | 4,166 |
| Noninterest income to average assets | 0.3583% | 3,747 |
| Noninterest expense to average assets | 2.8863% | 2,423 |
| Loan and lease loss provision to assets | 0.0498% | 2,783 |
| Net operating income to assets | 0.3754% | 4,973 |
| Return on assets (ROA) | 0.4225% | 4,887 |
| Pretax return on assets | 0.5153% | 4,848 |
| Return on Equity (ROE) | 4.1902% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.1902% | 3,513 |
| Net charge-offs to loans | -0.0090% | 4,210 |
| Credit loss provision to net charge-offs | -660.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8411% | 732 |
| Assets per employee ($millions) | 5.2777% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,799 |
| Loan loss allowance to noncurrent loans | 195.4042% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 3,304 |
| Noncurrent loans to loans | 0.4076% | 3,325 |
| Net loans and leases to total assets | 82.4645% | 605 |
| Net loans and leases to deposits | 103.0792% | 530 |
| Net loans and leases to core deposits | 109.1859% | 1,052 |
| Total domestic deposits to total assets | 80.0011% | 4,415 |
| Equity capital to assets | 10.0497% | 3,546 |
| Core capital (leverage) ratio | 8.9764% | 4,699 |
| Tier 1 risk-based capital ratio | 13.6808% | 3,556 |
| Total risk-based capital ratio | 14.8609% | 3,509 |
| Memoranda: | ||
| Average total assets | $530,226,500 | 1,351 |
| Average earning assets | $486,546,500 | 1,365 |
| Average equity | $53,457,500 | 1,455 |
| Average total loans | $442,254,000 | 1,167 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 3,397 |
| Cost of funding earning assets | 0.5813% | 1,728 |
| Net interest margin | 3.4222% | 3,778 |
| Noninterest income to average assets | 0.4086% | 3,574 |
| Noninterest expense to average assets | 2.7713% | 2,885 |
| Loan and lease loss provision to assets | 0.1160% | 1,961 |
| Net operating income to assets | 0.3336% | 4,863 |
| Return on assets (ROA) | 0.3529% | 4,844 |
| Pretax return on assets | 0.6674% | 4,588 |
| Return on Equity (ROE) | 3.4406% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.4406% | 3,227 |
| Net charge-offs to loans | 0.0558% | 2,692 |
| Credit loss provision to net charge-offs | 251.9313% | 1,094 |
| Earnings coverage of net charge-offs (x) | 16.3648% | 2,184 |
| Efficiency ratio | 78.3969% | 1,295 |
| Assets per employee ($millions) | 5.2740% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 4,877 |
| Loan loss allowance to noncurrent loans | 233.6265% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,631 |
| Noncurrent loans to loans | 0.3348% | 3,566 |
| Net loans and leases to total assets | 83.0388% | 557 |
| Net loans and leases to deposits | 102.7550% | 562 |
| Net loans and leases to core deposits | 108.5957% | 1,093 |
| Total domestic deposits to total assets | 80.8124% | 4,166 |
| Equity capital to assets | 10.1146% | 3,580 |
| Core capital (leverage) ratio | 8.9099% | 4,747 |
| Tier 1 risk-based capital ratio | 13.5491% | 3,602 |
| Total risk-based capital ratio | 14.7681% | 3,525 |
| Memoranda: | ||
| Average total assets | $506,148,200 | 1,387 |
| Average earning assets | $460,871,600 | 1,413 |
| Average equity | $51,910,200 | 1,474 |
| Average total loans | $417,660,800 | 1,193 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 3,412 |
| Cost of funding earning assets | 0.5680% | 1,754 |
| Net interest margin | 3.4150% | 3,795 |
| Noninterest income to average assets | 0.3794% | 3,815 |
| Noninterest expense to average assets | 2.7742% | 2,816 |
| Loan and lease loss provision to assets | 0.1270% | 1,707 |
| Net operating income to assets | 0.4068% | 4,986 |
| Return on assets (ROA) | 0.4323% | 4,956 |
| Pretax return on assets | 0.6195% | 4,804 |
| Return on Equity (ROE) | 4.2002% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.2002% | 3,397 |
| Net charge-offs to loans | 0.0544% | 2,364 |
| Credit loss provision to net charge-offs | 283.9286% | 1,032 |
| Earnings coverage of net charge-offs (x) | 15.8753% | 2,203 |
| Efficiency ratio | 79.3857% | 1,174 |
| Assets per employee ($millions) | 5.1462% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,917 |
| Loan loss allowance to noncurrent loans | 152.6882% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 3,136 |
| Noncurrent loans to loans | 0.5180% | 3,146 |
| Net loans and leases to total assets | 82.2428% | 642 |
| Net loans and leases to deposits | 100.2159% | 730 |
| Net loans and leases to core deposits | 106.0162% | 1,269 |
| Total domestic deposits to total assets | 82.0656% | 3,758 |
| Equity capital to assets | 10.0890% | 3,816 |
| Core capital (leverage) ratio | 8.9921% | 4,749 |
| Tier 1 risk-based capital ratio | 13.4988% | 3,703 |
| Total risk-based capital ratio | 14.6723% | 3,669 |
| Memoranda: | ||
| Average total assets | $500,834,250 | 1,409 |
| Average earning assets | $455,355,000 | 1,437 |
| Average equity | $51,551,500 | 1,501 |
| Average total loans | $411,725,250 | 1,217 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 3,477 |
| Cost of funding earning assets | 0.5519% | 1,766 |
| Net interest margin | 3.3705% | 3,875 |
| Noninterest income to average assets | 0.3980% | 3,703 |
| Noninterest expense to average assets | 2.7990% | 2,766 |
| Loan and lease loss provision to assets | 0.1132% | 1,808 |
| Net operating income to assets | 0.4074% | 4,967 |
| Return on assets (ROA) | 0.4356% | 4,905 |
| Pretax return on assets | 0.5888% | 4,828 |
| Return on Equity (ROE) | 4.2025% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.2025% | 3,205 |
| Net charge-offs to loans | 0.0789% | 1,835 |
| Credit loss provision to net charge-offs | 175.0000% | 1,380 |
| Earnings coverage of net charge-offs (x) | 10.2625% | 2,354 |
| Efficiency ratio | 80.5792% | 1,150 |
| Assets per employee ($millions) | 4.8964% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 5,014 |
| Loan loss allowance to noncurrent loans | 132.9067% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 2,760 |
| Noncurrent loans to loans | 0.5808% | 2,991 |
| Net loans and leases to total assets | 82.0428% | 660 |
| Net loans and leases to deposits | 100.5785% | 695 |
| Net loans and leases to core deposits | 105.8047% | 1,247 |
| Total domestic deposits to total assets | 81.5709% | 4,025 |
| Equity capital to assets | 10.2794% | 3,592 |
| Core capital (leverage) ratio | 9.2607% | 4,414 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,536 |
| Total risk-based capital ratio | 14.9499% | 3,506 |
| Memoranda: | ||
| Average total assets | $494,525,000 | 1,431 |
| Average earning assets | $449,725,670 | 1,450 |
| Average equity | $51,255,670 | 1,509 |
| Average total loans | $405,342,000 | 1,234 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 3,510 |
| Cost of funding earning assets | 0.5594% | 1,652 |
| Net interest margin | 3.3105% | 3,973 |
| Noninterest income to average assets | 0.3791% | 3,814 |
| Noninterest expense to average assets | 2.7670% | 2,899 |
| Loan and lease loss provision to assets | 0.0980% | 1,927 |
| Net operating income to assets | 0.3795% | 5,005 |
| Return on assets (ROA) | 0.3807% | 5,027 |
| Pretax return on assets | 0.5229% | 4,922 |
| Return on Equity (ROE) | 3.6576% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.6576% | 3,609 |
| Net charge-offs to loans | 0.1191% | 1,215 |
| Credit loss provision to net charge-offs | 100.8403% | 1,557 |
| Earnings coverage of net charge-offs (x) | 6.3697% | 2,221 |
| Efficiency ratio | 81.4717% | 1,210 |
| Assets per employee ($millions) | 5.2872% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 5,142 |
| Loan loss allowance to noncurrent loans | 103.6789% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 2,427 |
| Noncurrent loans to loans | 0.7438% | 2,631 |
| Net loans and leases to total assets | 81.1198% | 675 |
| Net loans and leases to deposits | 96.9501% | 855 |
| Net loans and leases to core deposits | 101.6942% | 1,389 |
| Total domestic deposits to total assets | 83.6717% | 3,593 |
| Equity capital to assets | 10.4226% | 3,266 |
| Core capital (leverage) ratio | 9.2239% | 4,446 |
| Tier 1 risk-based capital ratio | 14.0021% | 3,478 |
| Total risk-based capital ratio | 15.1489% | 3,453 |
| Memoranda: | ||
| Average total assets | $489,623,500 | 1,450 |
| Average earning assets | $444,770,500 | 1,468 |
| Average equity | $50,962,500 | 1,518 |
| Average total loans | $399,521,000 | 1,245 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,681 |
| Cost of funding earning assets | 0.4933% | 2,139 |
| Net interest margin | 3.3761% | 3,907 |
| Noninterest income to average assets | 0.5456% | 2,943 |
| Noninterest expense to average assets | 2.8579% | 2,822 |
| Loan and lease loss provision to assets | 0.1008% | 2,362 |
| Net operating income to assets | 0.5030% | 4,618 |
| Return on assets (ROA) | 0.5479% | 4,543 |
| Pretax return on assets | 0.7049% | 4,470 |
| Return on Equity (ROE) | 5.2430% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.2430% | 2,171 |
| Net charge-offs to loans | 0.1620% | 1,665 |
| Credit loss provision to net charge-offs | 77.2071% | 3,016 |
| Earnings coverage of net charge-offs (x) | 5.7303% | 3,296 |
| Efficiency ratio | 78.9877% | 1,556 |
| Assets per employee ($millions) | 5.4171% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 5,159 |
| Loan loss allowance to noncurrent loans | 120.2095% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 2,734 |
| Noncurrent loans to loans | 0.6493% | 2,910 |
| Net loans and leases to total assets | 80.8080% | 768 |
| Net loans and leases to deposits | 96.5397% | 947 |
| Net loans and leases to core deposits | 101.0960% | 1,526 |
| Total domestic deposits to total assets | 83.7044% | 3,540 |
| Equity capital to assets | 10.3943% | 3,278 |
| Core capital (leverage) ratio | 9.1874% | 4,492 |
| Tier 1 risk-based capital ratio | 14.0863% | 3,417 |
| Total risk-based capital ratio | 15.2277% | 3,391 |
| Memoranda: | ||
| Average total assets | $477,240,200 | 1,438 |
| Average earning assets | $432,598,600 | 1,462 |
| Average equity | $49,876,200 | 1,521 |
| Average total loans | $384,529,000 | 1,239 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,684 |
| Cost of funding earning assets | 0.4877% | 2,196 |
| Net interest margin | 3.3851% | 3,907 |
| Noninterest income to average assets | 0.5924% | 2,701 |
| Noninterest expense to average assets | 2.9454% | 2,481 |
| Loan and lease loss provision to assets | 0.0930% | 2,362 |
| Net operating income to assets | 0.5042% | 4,686 |
| Return on assets (ROA) | 0.5581% | 4,570 |
| Pretax return on assets | 0.6873% | 4,643 |
| Return on Equity (ROE) | 5.3331% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.3331% | 2,599 |
| Net charge-offs to loans | 0.0451% | 2,742 |
| Credit loss provision to net charge-offs | 256.5891% | 1,177 |
| Earnings coverage of net charge-offs (x) | 19.6972% | 1,920 |
| Efficiency ratio | 80.2257% | 1,416 |
| Assets per employee ($millions) | 5.1294% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,947 |
| Loan loss allowance to noncurrent loans | 65.8443% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 1,647 |
| Noncurrent loans to loans | 1.3318% | 1,661 |
| Net loans and leases to total assets | 81.5831% | 675 |
| Net loans and leases to deposits | 100.2295% | 694 |
| Net loans and leases to core deposits | 105.4838% | 1,234 |
| Total domestic deposits to total assets | 81.3963% | 4,137 |
| Equity capital to assets | 10.5928% | 3,465 |
| Core capital (leverage) ratio | 9.2723% | 4,500 |
| Tier 1 risk-based capital ratio | 14.0098% | 3,555 |
| Total risk-based capital ratio | 15.2859% | 3,465 |
| Memoranda: | ||
| Average total assets | $474,666,250 | 1,443 |
| Average earning assets | $430,033,500 | 1,473 |
| Average equity | $49,676,250 | 1,531 |
| Average total loans | $381,394,500 | 1,240 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,722 |
| Cost of funding earning assets | 0.4881% | 2,210 |
| Net interest margin | 3.3760% | 3,976 |
| Noninterest income to average assets | 0.7061% | 2,121 |
| Noninterest expense to average assets | 2.9856% | 2,394 |
| Loan and lease loss provision to assets | 0.0945% | 2,264 |
| Net operating income to assets | 0.5947% | 4,300 |
| Return on assets (ROA) | 0.5947% | 4,422 |
| Pretax return on assets | 0.6854% | 4,664 |
| Return on Equity (ROE) | 5.7055% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.7055% | 2,292 |
| Net charge-offs to loans | 0.0572% | 2,370 |
| Credit loss provision to net charge-offs | 207.4074% | 1,263 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,891 |
| Efficiency ratio | 79.0294% | 1,633 |
| Assets per employee ($millions) | 4.9679% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 5,044 |
| Loan loss allowance to noncurrent loans | 74.5007% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0673% | 1,992 |
| Noncurrent loans to loans | 1.1706% | 1,962 |
| Net loans and leases to total assets | 80.0062% | 898 |
| Net loans and leases to deposits | 96.1818% | 1,062 |
| Net loans and leases to core deposits | 100.9413% | 1,565 |
| Total domestic deposits to total assets | 83.1822% | 3,582 |
| Equity capital to assets | 10.5207% | 3,613 |
| Core capital (leverage) ratio | 9.1528% | 4,657 |
| Tier 1 risk-based capital ratio | 14.4201% | 3,364 |
| Total risk-based capital ratio | 15.7755% | 3,234 |
| Memoranda: | ||
| Average total assets | $473,878,330 | 1,448 |
| Average earning assets | $429,442,670 | 1,479 |
| Average equity | $49,391,330 | 1,540 |
| Average total loans | $377,653,000 | 1,254 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 3,663 |
| Cost of funding earning assets | 0.4976% | 2,132 |
| Net interest margin | 3.3821% | 3,929 |
| Noninterest income to average assets | 1.0060% | 1,064 |
| Noninterest expense to average assets | 2.9850% | 2,436 |
| Loan and lease loss provision to assets | 0.0923% | 2,142 |
| Net operating income to assets | 0.8968% | 2,769 |
| Return on assets (ROA) | 0.8968% | 2,895 |
| Pretax return on assets | 0.9908% | 3,517 |
| Return on Equity (ROE) | 8.6450% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.6450% | 1,212 |
| Net charge-offs to loans | 0.0973% | 1,546 |
| Credit loss provision to net charge-offs | 119.7802% | 1,448 |
| Earnings coverage of net charge-offs (x) | 14.0549% | 1,714 |
| Efficiency ratio | 73.1266% | 2,616 |
| Assets per employee ($millions) | 5.0122% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 5,155 |
| Loan loss allowance to noncurrent loans | 69.5624% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 1,924 |
| Noncurrent loans to loans | 1.2490% | 1,934 |
| Net loans and leases to total assets | 78.0905% | 1,089 |
| Net loans and leases to deposits | 93.9787% | 1,149 |
| Net loans and leases to core deposits | 99.0963% | 1,556 |
| Total domestic deposits to total assets | 83.0939% | 3,863 |
| Equity capital to assets | 10.4272% | 3,579 |
| Core capital (leverage) ratio | 9.1092% | 4,725 |
| Tier 1 risk-based capital ratio | 14.7201% | 3,276 |
| Total risk-based capital ratio | 16.0451% | 3,183 |
| Memoranda: | ||
| Average total assets | $472,359,000 | 1,454 |
| Average earning assets | $427,657,000 | 1,485 |
| Average equity | $48,999,500 | 1,548 |
| Average total loans | $374,019,500 | 1,262 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,504 |
| Cost of funding earning assets | 0.5385% | 1,850 |
| Net interest margin | 3.4151% | 3,851 |
| Noninterest income to average assets | 0.3873% | 4,135 |
| Noninterest expense to average assets | 3.2963% | 1,726 |
| Loan and lease loss provision to assets | 0.1730% | 1,319 |
| Net operating income to assets | 0.0428% | 5,821 |
| Return on assets (ROA) | 0.0657% | 5,836 |
| Pretax return on assets | 0.0382% | 5,861 |
| Return on Equity (ROE) | 0.5590% | 5,831 |
| Retained earnings to average equity (ytd only) | 0.5590% | 5,295 |
| Net charge-offs to loans | 0.0598% | 3,022 |
| Credit loss provision to net charge-offs | 345.8937% | 864 |
| Earnings coverage of net charge-offs (x) | 3.7633% | 3,665 |
| Efficiency ratio | 94.5149% | 460 |
| Assets per employee ($millions) | 5.0925% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 5,199 |
| Loan loss allowance to noncurrent loans | 94.9048% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 2,324 |
| Noncurrent loans to loans | 0.9157% | 2,511 |
| Net loans and leases to total assets | 78.9104% | 1,002 |
| Net loans and leases to deposits | 94.2872% | 1,179 |
| Net loans and leases to core deposits | 99.0797% | 1,586 |
| Total domestic deposits to total assets | 83.6915% | 3,593 |
| Equity capital to assets | 10.3197% | 3,603 |
| Core capital (leverage) ratio | 8.9702% | 4,914 |
| Tier 1 risk-based capital ratio | 14.8036% | 3,271 |
| Total risk-based capital ratio | 16.1139% | 3,175 |
| Memoranda: | ||
| Average total assets | $413,854,800 | 1,592 |
| Average earning assets | $375,329,800 | 1,622 |
| Average equity | $48,654,800 | 1,537 |
| Average total loans | $346,006,600 | 1,303 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 3,438 |
| Cost of funding earning assets | 0.5550% | 1,761 |
| Net interest margin | 3.4203% | 3,871 |
| Noninterest income to average assets | 0.4131% | 3,987 |
| Noninterest expense to average assets | 3.2400% | 1,850 |
| Loan and lease loss provision to assets | 0.1299% | 1,734 |
| Net operating income to assets | 0.1260% | 5,815 |
| Return on assets (ROA) | 0.1533% | 5,818 |
| Pretax return on assets | 0.1792% | 5,814 |
| Return on Equity (ROE) | 1.2586% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.2586% | 5,218 |
| Net charge-offs to loans | 0.0735% | 2,507 |
| Credit loss provision to net charge-offs | 208.5561% | 1,295 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,348 |
| Efficiency ratio | 92.1102% | 565 |
| Assets per employee ($millions) | 4.7689% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 5,396 |
| Loan loss allowance to noncurrent loans | 88.1646% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 2,397 |
| Noncurrent loans to loans | 0.9557% | 2,591 |
| Net loans and leases to total assets | 85.2114% | 282 |
| Net loans and leases to deposits | 104.8906% | 411 |
| Net loans and leases to core deposits | 110.0965% | 870 |
| Total domestic deposits to total assets | 81.2384% | 4,414 |
| Equity capital to assets | 12.0310% | 2,084 |
| Core capital (leverage) ratio | 11.6406% | 1,925 |
| Tier 1 risk-based capital ratio | 18.3778% | 1,931 |
| Total risk-based capital ratio | 19.6550% | 1,881 |
| Memoranda: | ||
| Average total assets | $400,190,750 | 1,659 |
| Average earning assets | $363,233,000 | 1,681 |
| Average equity | $48,731,250 | 1,540 |
| Average total loans | $339,272,000 | 1,327 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,376 |
| Cost of funding earning assets | 0.5546% | 1,781 |
| Net interest margin | 3.4249% | 3,811 |
| Noninterest income to average assets | 0.4126% | 3,989 |
| Noninterest expense to average assets | 3.2605% | 1,817 |
| Loan and lease loss provision to assets | 0.0888% | 2,331 |
| Net operating income to assets | 0.1429% | 5,825 |
| Return on assets (ROA) | 0.1847% | 5,790 |
| Pretax return on assets | 0.2183% | 5,784 |
| Return on Equity (ROE) | 1.5107% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.5107% | 4,946 |
| Net charge-offs to loans | 0.0488% | 2,733 |
| Credit loss provision to net charge-offs | 215.8537% | 1,152 |
| Earnings coverage of net charge-offs (x) | 6.2683% | 2,808 |
| Efficiency ratio | 92.6676% | 604 |
| Assets per employee ($millions) | 4.5834% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 5,520 |
| Loan loss allowance to noncurrent loans | 63.8293% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 2,016 |
| Noncurrent loans to loans | 1.3031% | 2,060 |
| Net loans and leases to total assets | 83.5660% | 406 |
| Net loans and leases to deposits | 102.8984% | 507 |
| Net loans and leases to core deposits | 108.6000% | 915 |
| Total domestic deposits to total assets | 81.2121% | 4,545 |
| Equity capital to assets | 12.0785% | 1,965 |
| Core capital (leverage) ratio | 11.7914% | 1,780 |
| Tier 1 risk-based capital ratio | 18.1793% | 2,015 |
| Total risk-based capital ratio | 19.4185% | 1,976 |
| Memoranda: | ||
| Average total assets | $398,469,670 | 1,678 |
| Average earning assets | $361,352,000 | 1,695 |
| Average equity | $48,719,000 | 1,543 |
| Average total loans | $336,248,330 | 1,336 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,227 |
| Cost of funding earning assets | 0.5577% | 1,772 |
| Net interest margin | 3.4430% | 3,654 |
| Noninterest income to average assets | 0.4505% | 3,633 |
| Noninterest expense to average assets | 3.2765% | 1,778 |
| Loan and lease loss provision to assets | 0.0687% | 2,571 |
| Net operating income to assets | 0.1904% | 5,699 |
| Return on assets (ROA) | 0.2666% | 5,609 |
| Pretax return on assets | 0.3212% | 5,603 |
| Return on Equity (ROE) | 2.1675% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.1675% | 4,598 |
| Net charge-offs to loans | 0.0215% | 2,718 |
| Credit loss provision to net charge-offs | 377.7778% | 691 |
| Earnings coverage of net charge-offs (x) | 16.3889% | 1,572 |
| Efficiency ratio | 91.6643% | 735 |
| Assets per employee ($millions) | 4.5143% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 5,625 |
| Loan loss allowance to noncurrent loans | 82.2104% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 2,506 |
| Noncurrent loans to loans | 1.0057% | 2,749 |
| Net loans and leases to total assets | 84.0044% | 306 |
| Net loans and leases to deposits | 104.1388% | 362 |
| Net loans and leases to core deposits | 110.4790% | 725 |
| Total domestic deposits to total assets | 80.6658% | 4,898 |
| Equity capital to assets | 12.2812% | 1,833 |
| Core capital (leverage) ratio | 11.9386% | 1,677 |
| Tier 1 risk-based capital ratio | 18.1387% | 2,096 |
| Total risk-based capital ratio | 19.3921% | 2,051 |
| Memoranda: | ||
| Average total assets | $396,037,000 | 1,694 |
| Average earning assets | $359,338,500 | 1,707 |
| Average equity | $48,720,000 | 1,547 |
| Average total loans | $334,433,500 | 1,346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,606 |
| Cost of funding earning assets | 0.5421% | 2,272 |
| Net interest margin | 3.4868% | 3,845 |
| Noninterest income to average assets | 0.4055% | 4,145 |
| Noninterest expense to average assets | 3.0900% | 2,552 |
| Loan and lease loss provision to assets | 0.1637% | 1,605 |
| Net operating income to assets | 0.2323% | 5,702 |
| Return on assets (ROA) | 0.3072% | 5,575 |
| Pretax return on assets | 0.4096% | 5,457 |
| Return on Equity (ROE) | 2.4967% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.4967% | 4,459 |
| Net charge-offs to loans | 0.1274% | 2,753 |
| Credit loss provision to net charge-offs | 155.6627% | 1,560 |
| Earnings coverage of net charge-offs (x) | 4.5012% | 3,636 |
| Efficiency ratio | 86.7131% | 1,102 |
| Assets per employee ($millions) | 4.5381% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 5,717 |
| Loan loss allowance to noncurrent loans | 48.5258% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.5445% | 1,750 |
| Noncurrent loans to loans | 1.6939% | 1,728 |
| Net loans and leases to total assets | 83.4918% | 377 |
| Net loans and leases to deposits | 104.6121% | 413 |
| Net loans and leases to core deposits | 110.9254% | 734 |
| Total domestic deposits to total assets | 79.8108% | 5,064 |
| Equity capital to assets | 12.3227% | 1,757 |
| Core capital (leverage) ratio | 11.6253% | 1,885 |
| Tier 1 risk-based capital ratio | 17.9113% | 2,169 |
| Total risk-based capital ratio | 19.2221% | 2,111 |
| Memoranda: | ||
| Average total assets | $394,528,200 | 1,663 |
| Average earning assets | $357,314,000 | 1,678 |
| Average equity | $48,543,800 | 1,485 |
| Average total loans | $325,841,600 | 1,343 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 3,682 |
| Cost of funding earning assets | 0.5330% | 2,436 |
| Net interest margin | 3.4879% | 3,880 |
| Noninterest income to average assets | 0.3995% | 4,244 |
| Noninterest expense to average assets | 3.0668% | 2,573 |
| Loan and lease loss provision to assets | 0.1893% | 1,288 |
| Net operating income to assets | 0.2255% | 5,797 |
| Return on assets (ROA) | 0.3171% | 5,609 |
| Pretax return on assets | 0.4259% | 5,530 |
| Return on Equity (ROE) | 2.5777% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.5777% | 4,750 |
| Net charge-offs to loans | 0.1698% | 2,101 |
| Credit loss provision to net charge-offs | 135.5932% | 1,720 |
| Earnings coverage of net charge-offs (x) | 3.5206% | 3,643 |
| Efficiency ratio | 86.1879% | 1,165 |
| Assets per employee ($millions) | 4.5583% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 5,855 |
| Loan loss allowance to noncurrent loans | 46.3829% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6068% | 1,891 |
| Noncurrent loans to loans | 1.7440% | 1,859 |
| Net loans and leases to total assets | 82.8272% | 428 |
| Net loans and leases to deposits | 102.5394% | 476 |
| Net loans and leases to core deposits | 108.8433% | 808 |
| Total domestic deposits to total assets | 80.7760% | 4,891 |
| Equity capital to assets | 12.4923% | 1,706 |
| Core capital (leverage) ratio | 11.6481% | 1,944 |
| Tier 1 risk-based capital ratio | 17.9587% | 2,223 |
| Total risk-based capital ratio | 19.2091% | 2,183 |
| Memoranda: | ||
| Average total assets | $394,456,500 | 1,678 |
| Average earning assets | $357,221,250 | 1,698 |
| Average equity | $48,516,750 | 1,487 |
| Average total loans | $324,209,500 | 1,355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,624 |
| Cost of funding earning assets | 0.5173% | 2,657 |
| Net interest margin | 3.5105% | 3,740 |
| Noninterest income to average assets | 0.4048% | 4,208 |
| Noninterest expense to average assets | 3.0916% | 2,535 |
| Loan and lease loss provision to assets | 0.2206% | 1,053 |
| Net operating income to assets | 0.1989% | 5,843 |
| Return on assets (ROA) | 0.3360% | 5,517 |
| Pretax return on assets | 0.4539% | 5,409 |
| Return on Equity (ROE) | 2.7458% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.7458% | 4,454 |
| Net charge-offs to loans | 0.1956% | 1,852 |
| Credit loss provision to net charge-offs | 137.9747% | 1,540 |
| Earnings coverage of net charge-offs (x) | 3.0601% | 3,397 |
| Efficiency ratio | 86.3360% | 1,237 |
| Assets per employee ($millions) | 4.3079% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 5,947 |
| Loan loss allowance to noncurrent loans | 47.3618% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 2,131 |
| Noncurrent loans to loans | 1.7116% | 2,017 |
| Net loans and leases to total assets | 81.8049% | 481 |
| Net loans and leases to deposits | 101.2157% | 496 |
| Net loans and leases to core deposits | 107.1702% | 820 |
| Total domestic deposits to total assets | 80.8223% | 5,037 |
| Equity capital to assets | 12.4488% | 1,679 |
| Core capital (leverage) ratio | 11.6102% | 1,915 |
| Tier 1 risk-based capital ratio | 18.0550% | 2,225 |
| Total risk-based capital ratio | 19.3214% | 2,186 |
| Memoranda: | ||
| Average total assets | $395,270,000 | 1,677 |
| Average earning assets | $357,612,000 | 1,692 |
| Average equity | $48,365,000 | 1,478 |
| Average total loans | $323,164,670 | 1,347 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 3,679 |
| Cost of funding earning assets | 0.4741% | 3,188 |
| Net interest margin | 3.5259% | 3,588 |
| Noninterest income to average assets | 0.4213% | 4,021 |
| Noninterest expense to average assets | 3.1243% | 2,463 |
| Loan and lease loss provision to assets | 0.2520% | 855 |
| Net operating income to assets | 0.1881% | 5,833 |
| Return on assets (ROA) | 0.2036% | 5,841 |
| Pretax return on assets | 0.2499% | 5,826 |
| Return on Equity (ROE) | 1.6782% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.6782% | 4,943 |
| Net charge-offs to loans | 0.1535% | 1,800 |
| Credit loss provision to net charge-offs | 201.6129% | 1,033 |
| Earnings coverage of net charge-offs (x) | 3.8629% | 2,611 |
| Efficiency ratio | 86.6164% | 1,379 |
| Assets per employee ($millions) | 4.4092% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 6,073 |
| Loan loss allowance to noncurrent loans | 31.5442% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 2.4780% | 1,297 |
| Noncurrent loans to loans | 2.5788% | 1,337 |
| Net loans and leases to total assets | 82.5541% | 323 |
| Net loans and leases to deposits | 102.6608% | 345 |
| Net loans and leases to core deposits | 108.9054% | 632 |
| Total domestic deposits to total assets | 80.4145% | 5,398 |
| Equity capital to assets | 12.4476% | 1,609 |
| Core capital (leverage) ratio | 11.5727% | 1,916 |
| Tier 1 risk-based capital ratio | 17.6703% | 2,426 |
| Total risk-based capital ratio | 18.9567% | 2,375 |
| Memoranda: | ||
| Average total assets | $396,893,500 | 1,679 |
| Average earning assets | $358,604,500 | 1,698 |
| Average equity | $48,146,500 | 1,485 |
| Average total loans | $323,089,500 | 1,354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,579 |
| Cost of funding earning assets | 0.6348% | 2,339 |
| Net interest margin | 3.5059% | 3,874 |
| Noninterest income to average assets | 0.4168% | 4,327 |
| Noninterest expense to average assets | 3.0005% | 3,056 |
| Loan and lease loss provision to assets | 0.2778% | 1,252 |
| Net operating income to assets | 0.2292% | 5,749 |
| Return on assets (ROA) | 0.2374% | 5,788 |
| Pretax return on assets | 0.3133% | 5,693 |
| Return on Equity (ROE) | 1.9714% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.9714% | 4,831 |
| Net charge-offs to loans | 0.1646% | 3,165 |
| Credit loss provision to net charge-offs | 208.6372% | 1,106 |
| Earnings coverage of net charge-offs (x) | 4.3589% | 3,593 |
| Efficiency ratio | 83.7936% | 1,648 |
| Assets per employee ($millions) | 4.4591% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 6,224 |
| Loan loss allowance to noncurrent loans | 62.0596% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 3,013 |
| Noncurrent loans to loans | 1.2468% | 3,047 |
| Net loans and leases to total assets | 79.0416% | 711 |
| Net loans and leases to deposits | 97.1359% | 654 |
| Net loans and leases to core deposits | 102.7638% | 986 |
| Total domestic deposits to total assets | 81.3722% | 5,081 |
| Equity capital to assets | 11.8280% | 1,926 |
| Core capital (leverage) ratio | 11.3527% | 2,071 |
| Tier 1 risk-based capital ratio | 17.6075% | 2,374 |
| Total risk-based capital ratio | 18.8331% | 2,361 |
| Memoranda: | ||
| Average total assets | $391,336,200 | 1,687 |
| Average earning assets | $353,180,000 | 1,699 |
| Average equity | $47,123,800 | 1,489 |
| Average total loans | $316,563,600 | 1,338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 3,392 |
| Cost of funding earning assets | 0.6456% | 2,403 |
| Net interest margin | 3.5544% | 3,637 |
| Noninterest income to average assets | 0.4439% | 4,198 |
| Noninterest expense to average assets | 3.0103% | 2,959 |
| Loan and lease loss provision to assets | 0.2067% | 1,757 |
| Net operating income to assets | 0.3111% | 5,583 |
| Return on assets (ROA) | 0.3215% | 5,653 |
| Pretax return on assets | 0.4484% | 5,502 |
| Return on Equity (ROE) | 2.6577% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.6577% | 4,729 |
| Net charge-offs to loans | 0.1186% | 3,362 |
| Credit loss provision to net charge-offs | 214.6429% | 1,130 |
| Earnings coverage of net charge-offs (x) | 6.6536% | 2,929 |
| Efficiency ratio | 82.4527% | 1,769 |
| Assets per employee ($millions) | 4.6142% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 6,437 |
| Loan loss allowance to noncurrent loans | 42.6788% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 2,763 |
| Noncurrent loans to loans | 1.6413% | 2,714 |
| Net loans and leases to total assets | 82.5122% | 330 |
| Net loans and leases to deposits | 101.0206% | 429 |
| Net loans and leases to core deposits | 106.9902% | 704 |
| Total domestic deposits to total assets | 81.6786% | 5,037 |
| Equity capital to assets | 12.2016% | 1,781 |
| Core capital (leverage) ratio | 11.4210% | 2,104 |
| Tier 1 risk-based capital ratio | 17.5300% | 2,496 |
| Total risk-based capital ratio | 18.6221% | 2,523 |
| Memoranda: | ||
| Average total assets | $387,726,250 | 1,708 |
| Average earning assets | $349,830,500 | 1,727 |
| Average equity | $46,906,000 | 1,506 |
| Average total loans | $314,896,250 | 1,350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 3,208 |
| Cost of funding earning assets | 0.6476% | 2,517 |
| Net interest margin | 3.5878% | 3,414 |
| Noninterest income to average assets | 0.4358% | 4,275 |
| Noninterest expense to average assets | 3.0121% | 2,960 |
| Loan and lease loss provision to assets | 0.1454% | 2,521 |
| Net operating income to assets | 0.3583% | 5,371 |
| Return on assets (ROA) | 0.3579% | 5,552 |
| Pretax return on assets | 0.5153% | 5,319 |
| Return on Equity (ROE) | 2.9673% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.9673% | 4,430 |
| Net charge-offs to loans | 0.0870% | 3,496 |
| Credit loss provision to net charge-offs | 207.3529% | 1,158 |
| Earnings coverage of net charge-offs (x) | 9.4265% | 2,288 |
| Efficiency ratio | 81.9994% | 1,888 |
| Assets per employee ($millions) | 4.3422% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6577% | 6,550 |
| Loan loss allowance to noncurrent loans | 39.2716% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 3,019 |
| Noncurrent loans to loans | 1.6748% | 2,800 |
| Net loans and leases to total assets | 81.3310% | 404 |
| Net loans and leases to deposits | 99.4624% | 457 |
| Net loans and leases to core deposits | 105.1708% | 783 |
| Total domestic deposits to total assets | 81.7707% | 5,127 |
| Equity capital to assets | 12.1652% | 1,797 |
| Core capital (leverage) ratio | 11.3475% | 2,062 |
| Tier 1 risk-based capital ratio | 17.4720% | 2,522 |
| Total risk-based capital ratio | 18.5063% | 2,585 |
| Memoranda: | ||
| Average total assets | $387,769,670 | 1,711 |
| Average earning assets | $349,911,670 | 1,726 |
| Average equity | $46,777,000 | 1,513 |
| Average total loans | $312,505,000 | 1,357 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,337 |
| Cost of funding earning assets | 0.6142% | 2,976 |
| Net interest margin | 3.5779% | 3,351 |
| Noninterest income to average assets | 0.4160% | 4,341 |
| Noninterest expense to average assets | 3.0204% | 2,921 |
| Loan and lease loss provision to assets | 0.1256% | 2,664 |
| Net operating income to assets | 0.3485% | 5,359 |
| Return on assets (ROA) | 0.3470% | 5,512 |
| Pretax return on assets | 0.4953% | 5,277 |
| Return on Equity (ROE) | 2.8890% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.8890% | 4,553 |
| Net charge-offs to loans | 0.1198% | 2,703 |
| Credit loss provision to net charge-offs | 131.1828% | 1,509 |
| Earnings coverage of net charge-offs (x) | 6.5054% | 2,204 |
| Efficiency ratio | 82.8999% | 1,905 |
| Assets per employee ($millions) | 4.6669% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 6,671 |
| Loan loss allowance to noncurrent loans | 37.1477% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 3,085 |
| Noncurrent loans to loans | 1.6963% | 2,999 |
| Net loans and leases to total assets | 79.9552% | 431 |
| Net loans and leases to deposits | 97.6301% | 465 |
| Net loans and leases to core deposits | 103.0975% | 762 |
| Total domestic deposits to total assets | 81.8961% | 5,228 |
| Equity capital to assets | 12.1063% | 1,968 |
| Core capital (leverage) ratio | 11.3360% | 1,991 |
| Tier 1 risk-based capital ratio | 17.4802% | 2,565 |
| Total risk-based capital ratio | 18.4774% | 2,637 |
| Memoranda: | ||
| Average total assets | $388,427,500 | 1,722 |
| Average earning assets | $350,371,500 | 1,737 |
| Average equity | $46,659,000 | 1,538 |
| Average total loans | $310,563,500 | 1,371 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 3,588 |
| Cost of funding earning assets | 0.8236% | 2,477 |
| Net interest margin | 3.6322% | 3,953 |
| Noninterest income to average assets | 0.4291% | 4,388 |
| Noninterest expense to average assets | 3.0422% | 3,124 |
| Loan and lease loss provision to assets | 0.1813% | 3,364 |
| Net operating income to assets | 0.3283% | 5,370 |
| Return on assets (ROA) | 0.3283% | 5,583 |
| Pretax return on assets | 0.4859% | 5,323 |
| Return on Equity (ROE) | 2.7917% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.7917% | 4,275 |
| Net charge-offs to loans | 0.1247% | 4,434 |
| Credit loss provision to net charge-offs | 186.5330% | 1,402 |
| Earnings coverage of net charge-offs (x) | 6.8653% | 2,719 |
| Efficiency ratio | 82.0134% | 1,864 |
| Assets per employee ($millions) | 4.4262% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 6,724 |
| Loan loss allowance to noncurrent loans | 28.4266% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8298% | 2,678 |
| Noncurrent loans to loans | 2.1997% | 2,465 |
| Net loans and leases to total assets | 78.9518% | 571 |
| Net loans and leases to deposits | 96.1652% | 606 |
| Net loans and leases to core deposits | 101.9048% | 893 |
| Total domestic deposits to total assets | 82.1002% | 5,063 |
| Equity capital to assets | 11.9188% | 2,102 |
| Core capital (leverage) ratio | 11.0979% | 2,168 |
| Tier 1 risk-based capital ratio | 17.6247% | 2,406 |
| Total risk-based capital ratio | 18.5663% | 2,494 |
| Memoranda: | ||
| Average total assets | $359,111,000 | 1,806 |
| Average earning assets | $324,321,600 | 1,835 |
| Average equity | $42,232,000 | 1,647 |
| Average total loans | $279,856,600 | 1,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 3,614 |
| Cost of funding earning assets | 0.8614% | 2,449 |
| Net interest margin | 3.6444% | 4,032 |
| Noninterest income to average assets | 0.4146% | 4,524 |
| Noninterest expense to average assets | 3.1217% | 2,824 |
| Loan and lease loss provision to assets | 0.1411% | 3,771 |
| Net operating income to assets | 0.3144% | 5,563 |
| Return on assets (ROA) | 0.3144% | 5,766 |
| Pretax return on assets | 0.4449% | 5,610 |
| Return on Equity (ROE) | 2.6838% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.6838% | 4,952 |
| Net charge-offs to loans | 0.0680% | 4,737 |
| Credit loss provision to net charge-offs | 267.6259% | 1,021 |
| Earnings coverage of net charge-offs (x) | 11.1150% | 2,108 |
| Efficiency ratio | 84.1944% | 1,573 |
| Assets per employee ($millions) | 4.4407% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 6,858 |
| Loan loss allowance to noncurrent loans | 25.3017% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8653% | 2,840 |
| Noncurrent loans to loans | 2.3954% | 2,408 |
| Net loans and leases to total assets | 76.5704% | 887 |
| Net loans and leases to deposits | 93.6996% | 811 |
| Net loans and leases to core deposits | 99.2389% | 1,173 |
| Total domestic deposits to total assets | 81.7190% | 5,120 |
| Equity capital to assets | 11.6839% | 2,550 |
| Core capital (leverage) ratio | 10.8403% | 2,555 |
| Tier 1 risk-based capital ratio | 17.5702% | 2,511 |
| Total risk-based capital ratio | 18.5122% | 2,577 |
| Memoranda: | ||
| Average total assets | $351,513,250 | 1,860 |
| Average earning assets | $317,631,000 | 1,886 |
| Average equity | $41,184,000 | 1,708 |
| Average total loans | $272,457,250 | 1,531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 3,722 |
| Cost of funding earning assets | 0.9019% | 2,381 |
| Net interest margin | 3.6083% | 4,220 |
| Noninterest income to average assets | 0.3994% | 4,652 |
| Noninterest expense to average assets | 3.0948% | 2,943 |
| Loan and lease loss provision to assets | 0.1288% | 3,912 |
| Net operating income to assets | 0.3070% | 5,590 |
| Return on assets (ROA) | 0.3070% | 5,796 |
| Pretax return on assets | 0.4364% | 5,614 |
| Return on Equity (ROE) | 2.6178% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.6178% | 4,874 |
| Net charge-offs to loans | 0.0875% | 4,278 |
| Credit loss provision to net charge-offs | 189.4737% | 1,494 |
| Earnings coverage of net charge-offs (x) | 8.3158% | 2,318 |
| Efficiency ratio | 84.5577% | 1,578 |
| Assets per employee ($millions) | 4.4338% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 6,964 |
| Loan loss allowance to noncurrent loans | 23.7769% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 2,972 |
| Noncurrent loans to loans | 2.3796% | 2,522 |
| Net loans and leases to total assets | 76.4114% | 916 |
| Net loans and leases to deposits | 93.8954% | 780 |
| Net loans and leases to core deposits | 99.7683% | 1,110 |
| Total domestic deposits to total assets | 81.3792% | 5,339 |
| Equity capital to assets | 11.6077% | 2,481 |
| Core capital (leverage) ratio | 10.5986% | 2,712 |
| Tier 1 risk-based capital ratio | 17.6485% | 2,413 |
| Total risk-based capital ratio | 18.5360% | 2,518 |
| Memoranda: | ||
| Average total assets | $335,464,000 | 1,940 |
| Average earning assets | $303,130,670 | 1,962 |
| Average equity | $39,346,670 | 1,766 |
| Average total loans | $260,647,000 | 1,604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 4,904 |
| Cost of funding earning assets | 0.9967% | 2,000 |
| Net interest margin | 3.2597% | 5,608 |
| Noninterest income to average assets | 0.3491% | 5,066 |
| Noninterest expense to average assets | 2.9281% | 3,513 |
| Loan and lease loss provision to assets | 0.0659% | 4,593 |
| Net operating income to assets | 0.2516% | 5,814 |
| Return on assets (ROA) | 0.2516% | 5,963 |
| Pretax return on assets | 0.3016% | 5,973 |
| Return on Equity (ROE) | 2.1305% | 6,031 |
| Retained earnings to average equity (ytd only) | 2.1305% | 5,199 |
| Net charge-offs to loans | 0.1414% | 3,251 |
| Credit loss provision to net charge-offs | 59.5238% | 3,127 |
| Earnings coverage of net charge-offs (x) | 3.3214% | 2,880 |
| Efficiency ratio | 88.8489% | 1,194 |
| Assets per employee ($millions) | 4.6555% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 7,056 |
| Loan loss allowance to noncurrent loans | 24.7945% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7280% | 3,271 |
| Noncurrent loans to loans | 2.0699% | 3,064 |
| Net loans and leases to total assets | 76.5286% | 745 |
| Net loans and leases to deposits | 96.1895% | 524 |
| Net loans and leases to core deposits | 101.9981% | 864 |
| Total domestic deposits to total assets | 79.5603% | 5,957 |
| Equity capital to assets | 11.3405% | 2,588 |
| Core capital (leverage) ratio | 10.5377% | 2,709 |
| Tier 1 risk-based capital ratio | 17.7036% | 2,401 |
| Total risk-based capital ratio | 18.5348% | 2,534 |
| Memoranda: | ||
| Average total assets | $303,674,000 | 2,143 |
| Average earning assets | $274,501,000 | 2,166 |
| Average equity | $35,860,000 | 1,939 |
| Average total loans | $237,645,500 | 1,738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 3,477 |
| Cost of funding earning assets | 1.1874% | 2,110 |
| Net interest margin | 3.6872% | 4,355 |
| Noninterest income to average assets | 0.3089% | 5,333 |
| Noninterest expense to average assets | 3.0930% | 3,221 |
| Loan and lease loss provision to assets | 0.1069% | 5,256 |
| Net operating income to assets | 0.2853% | 5,308 |
| Return on assets (ROA) | 0.2862% | 5,458 |
| Pretax return on assets | 0.4680% | 5,084 |
| Return on Equity (ROE) | 2.2424% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.2424% | 4,616 |
| Net charge-offs to loans | 0.0830% | 5,492 |
| Credit loss provision to net charge-offs | 157.2464% | 1,777 |
| Earnings coverage of net charge-offs (x) | 8.4348% | 2,149 |
| Efficiency ratio | 84.3611% | 1,725 |
| Assets per employee ($millions) | 4.5983% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 6,232 |
| Loan loss allowance to noncurrent loans | 84.5676% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 4,703 |
| Noncurrent loans to loans | 1.1794% | 4,402 |
| Net loans and leases to total assets | 80.1189% | 481 |
| Net loans and leases to deposits | 99.1171% | 497 |
| Net loans and leases to core deposits | 103.2958% | 947 |
| Total domestic deposits to total assets | 80.8326% | 5,503 |
| Equity capital to assets | 12.7460% | 1,629 |
| Core capital (leverage) ratio | 12.9295% | 1,169 |
| Tier 1 risk-based capital ratio | 20.9141% | 1,430 |
| Total risk-based capital ratio | 22.4801% | 1,349 |
| Memoranda: | ||
| Average total assets | $203,004,800 | 3,024 |
| Average earning assets | $184,856,800 | 3,030 |
| Average equity | $25,909,600 | 2,489 |
| Average total loans | $166,310,800 | 2,412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 3,537 |
| Cost of funding earning assets | 1.1998% | 2,316 |
| Net interest margin | 3.7035% | 4,314 |
| Noninterest income to average assets | 0.2887% | 5,545 |
| Noninterest expense to average assets | 3.0915% | 3,191 |
| Loan and lease loss provision to assets | 0.0341% | 6,011 |
| Net operating income to assets | 0.3433% | 5,237 |
| Return on assets (ROA) | 0.3445% | 5,411 |
| Pretax return on assets | 0.5539% | 4,958 |
| Return on Equity (ROE) | 2.6985% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.6985% | 4,744 |
| Net charge-offs to loans | 0.0783% | 5,185 |
| Credit loss provision to net charge-offs | 53.0612% | 4,967 |
| Earnings coverage of net charge-offs (x) | 9.1125% | 2,093 |
| Efficiency ratio | 84.0650% | 1,725 |
| Assets per employee ($millions) | 4.4702% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,569 |
| Loan loss allowance to noncurrent loans | 135.1254% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 5,724 |
| Noncurrent loans to loans | 0.6728% | 5,537 |
| Net loans and leases to total assets | 81.7100% | 382 |
| Net loans and leases to deposits | 100.8516% | 433 |
| Net loans and leases to core deposits | 104.8292% | 928 |
| Total domestic deposits to total assets | 81.0200% | 5,426 |
| Equity capital to assets | 13.0374% | 1,602 |
| Core capital (leverage) ratio | 13.0266% | 1,223 |
| Tier 1 risk-based capital ratio | 20.8579% | 1,484 |
| Total risk-based capital ratio | 22.3284% | 1,418 |
| Memoranda: | ||
| Average total assets | $203,175,250 | 3,040 |
| Average earning assets | $185,911,250 | 3,024 |
| Average equity | $25,940,000 | 2,490 |
| Average total loans | $166,955,500 | 2,420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 3,680 |
| Cost of funding earning assets | 1.2233% | 2,420 |
| Net interest margin | 3.6634% | 4,449 |
| Noninterest income to average assets | 0.2855% | 5,599 |
| Noninterest expense to average assets | 3.0552% | 3,413 |
| Loan and lease loss provision to assets | 0.0245% | 5,990 |
| Net operating income to assets | 0.3602% | 5,128 |
| Return on assets (ROA) | 0.3620% | 5,261 |
| Pretax return on assets | 0.5877% | 4,779 |
| Return on Equity (ROE) | 2.8555% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.8555% | 4,466 |
| Net charge-offs to loans | 0.0371% | 5,333 |
| Credit loss provision to net charge-offs | 80.6452% | 3,752 |
| Earnings coverage of net charge-offs (x) | 20.0323% | 1,199 |
| Efficiency ratio | 83.3735% | 1,899 |
| Assets per employee ($millions) | 4.5155% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,562 |
| Loan loss allowance to noncurrent loans | 185.6115% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 6,097 |
| Noncurrent loans to loans | 0.5046% | 5,894 |
| Net loans and leases to total assets | 82.4074% | 347 |
| Net loans and leases to deposits | 101.9033% | 396 |
| Net loans and leases to core deposits | 107.1196% | 857 |
| Total domestic deposits to total assets | 80.8682% | 5,577 |
| Equity capital to assets | 13.1307% | 1,457 |
| Core capital (leverage) ratio | 12.7464% | 1,272 |
| Tier 1 risk-based capital ratio | 21.4253% | 1,336 |
| Total risk-based capital ratio | 22.9493% | 1,271 |
| Memoranda: | ||
| Average total assets | $203,847,330 | 3,055 |
| Average earning assets | $188,019,670 | 3,027 |
| Average equity | $25,844,670 | 2,484 |
| Average total loans | $167,315,670 | 2,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 3,801 |
| Cost of funding earning assets | 1.2539% | 2,480 |
| Net interest margin | 3.6000% | 4,568 |
| Noninterest income to average assets | 0.2829% | 5,646 |
| Noninterest expense to average assets | 3.0926% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3172% | 5,321 |
| Return on assets (ROA) | 0.3197% | 5,390 |
| Pretax return on assets | 0.5154% | 4,977 |
| Return on Equity (ROE) | 2.5658% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.5658% | 4,625 |
| Net charge-offs to loans | 0.0808% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.7647% | 1,899 |
| Efficiency ratio | 85.8065% | 1,732 |
| Assets per employee ($millions) | 4.5429% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 6,656 |
| Loan loss allowance to noncurrent loans | 620.4082% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 6,868 |
| Noncurrent loans to loans | 0.1476% | 6,680 |
| Net loans and leases to total assets | 80.4683% | 471 |
| Net loans and leases to deposits | 101.2694% | 413 |
| Net loans and leases to core deposits | 105.9164% | 944 |
| Total domestic deposits to total assets | 79.4597% | 6,067 |
| Equity capital to assets | 12.6286% | 1,562 |
| Core capital (leverage) ratio | 12.3946% | 1,375 |
| Tier 1 risk-based capital ratio | 21.0807% | 1,378 |
| Total risk-based capital ratio | 22.5771% | 1,314 |
| Memoranda: | ||
| Average total assets | $206,431,000 | 3,028 |
| Average earning assets | $190,445,000 | 3,004 |
| Average equity | $25,723,000 | 2,474 |
| Average total loans | $168,336,000 | 2,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 3,337 |
| Cost of funding earning assets | 1.5144% | 2,558 |
| Net interest margin | 3.7403% | 4,175 |
| Noninterest income to average assets | 0.3037% | 5,625 |
| Noninterest expense to average assets | 2.9078% | 4,194 |
| Loan and lease loss provision to assets | 0.1027% | 6,114 |
| Net operating income to assets | 0.4545% | 4,295 |
| Return on assets (ROA) | 0.4501% | 4,478 |
| Pretax return on assets | 0.7424% | 3,826 |
| Return on Equity (ROE) | 3.6319% | 4,683 |
| Retained earnings to average equity (ytd only) | 3.6319% | 3,323 |
| Net charge-offs to loans | 0.0967% | 5,884 |
| Credit loss provision to net charge-offs | 129.0123% | 3,092 |
| Earnings coverage of net charge-offs (x) | 10.7037% | 1,681 |
| Efficiency ratio | 77.3393% | 2,819 |
| Assets per employee ($millions) | 4.5311% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 6,699 |
| Loan loss allowance to noncurrent loans | 675.6522% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 6,959 |
| Noncurrent loans to loans | 0.1348% | 6,802 |
| Net loans and leases to total assets | 81.1280% | 529 |
| Net loans and leases to deposits | 103.2950% | 430 |
| Net loans and leases to core deposits | 107.7986% | 1,067 |
| Total domestic deposits to total assets | 78.5400% | 6,206 |
| Equity capital to assets | 12.2962% | 1,745 |
| Core capital (leverage) ratio | 12.2688% | 1,402 |
| Tier 1 risk-based capital ratio | 20.4831% | 1,405 |
| Total risk-based capital ratio | 21.9467% | 1,345 |
| Memoranda: | ||
| Average total assets | $203,522,600 | 3,061 |
| Average earning assets | $188,059,400 | 3,031 |
| Average equity | $25,221,000 | 2,529 |
| Average total loans | $167,566,200 | 2,508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3005% | 3,355 |
| Cost of funding earning assets | 1.5523% | 2,659 |
| Net interest margin | 3.7482% | 4,194 |
| Noninterest income to average assets | 0.3091% | 5,678 |
| Noninterest expense to average assets | 2.9000% | 4,091 |
| Loan and lease loss provision to assets | 0.0718% | 6,341 |
| Net operating income to assets | 0.4842% | 4,387 |
| Return on assets (ROA) | 0.4778% | 4,607 |
| Pretax return on assets | 0.7902% | 3,949 |
| Return on Equity (ROE) | 3.8482% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,754 |
| Net charge-offs to loans | 0.0472% | 6,058 |
| Credit loss provision to net charge-offs | 184.7458% | 1,961 |
| Earnings coverage of net charge-offs (x) | 22.4251% | 1,095 |
| Efficiency ratio | 76.8828% | 2,780 |
| Assets per employee ($millions) | 4.7132% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 6,688 |
| Loan loss allowance to noncurrent loans | 513.8614% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,987 |
| Noncurrent loans to loans | 0.1782% | 6,826 |
| Net loans and leases to total assets | 81.2597% | 589 |
| Net loans and leases to deposits | 103.3904% | 461 |
| Net loans and leases to core deposits | 107.3076% | 1,210 |
| Total domestic deposits to total assets | 78.5951% | 6,119 |
| Equity capital to assets | 12.3106% | 1,964 |
| Core capital (leverage) ratio | 12.2965% | 1,512 |
| Tier 1 risk-based capital ratio | 20.6161% | 1,420 |
| Total risk-based capital ratio | 22.0692% | 1,371 |
| Memoranda: | ||
| Average total assets | $202,295,750 | 3,110 |
| Average earning assets | $186,896,000 | 3,090 |
| Average equity | $25,119,000 | 2,576 |
| Average total loans | $166,795,500 | 2,565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 3,293 |
| Cost of funding earning assets | 1.5997% | 2,657 |
| Net interest margin | 3.7351% | 4,213 |
| Noninterest income to average assets | 0.3230% | 5,571 |
| Noninterest expense to average assets | 2.9043% | 4,054 |
| Loan and lease loss provision to assets | 0.0289% | 6,658 |
| Net operating income to assets | 0.5077% | 4,291 |
| Return on assets (ROA) | 0.4975% | 4,496 |
| Pretax return on assets | 0.8215% | 3,811 |
| Return on Equity (ROE) | 3.9949% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.9949% | 3,537 |
| Net charge-offs to loans | 0.0483% | 5,713 |
| Credit loss provision to net charge-offs | 72.5000% | 4,905 |
| Earnings coverage of net charge-offs (x) | 21.7250% | 1,163 |
| Efficiency ratio | 77.0227% | 2,892 |
| Assets per employee ($millions) | 4.1974% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,769 |
| Loan loss allowance to noncurrent loans | 1,038.8889% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 7,157 |
| Noncurrent loans to loans | 0.0863% | 7,095 |
| Net loans and leases to total assets | 82.0591% | 529 |
| Net loans and leases to deposits | 105.0122% | 439 |
| Net loans and leases to core deposits | 108.4474% | 1,272 |
| Total domestic deposits to total assets | 78.1425% | 6,236 |
| Equity capital to assets | 12.5317% | 1,778 |
| Core capital (leverage) ratio | 12.4321% | 1,430 |
| Tier 1 risk-based capital ratio | 20.7545% | 1,382 |
| Total risk-based capital ratio | 22.1517% | 1,331 |
| Memoranda: | ||
| Average total assets | $200,600,330 | 3,159 |
| Average earning assets | $185,163,000 | 3,133 |
| Average equity | $24,982,000 | 2,591 |
| Average total loans | $165,702,330 | 2,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 3,148 |
| Cost of funding earning assets | 1.6354% | 2,738 |
| Net interest margin | 3.7429% | 4,043 |
| Noninterest income to average assets | 0.2898% | 5,827 |
| Noninterest expense to average assets | 3.0115% | 3,638 |
| Loan and lease loss provision to assets | 0.0520% | 6,146 |
| Net operating income to assets | 0.4141% | 4,775 |
| Return on assets (ROA) | 0.3937% | 5,008 |
| Pretax return on assets | 0.6475% | 4,426 |
| Return on Equity (ROE) | 3.1712% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.1712% | 4,241 |
| Net charge-offs to loans | 0.0727% | 4,692 |
| Credit loss provision to net charge-offs | 86.6667% | 3,731 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 1,586 |
| Efficiency ratio | 80.4592% | 2,497 |
| Assets per employee ($millions) | 4.4463% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,783 |
| Loan loss allowance to noncurrent loans | 1,707.9545% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 7,167 |
| Noncurrent loans to loans | 0.0538% | 7,271 |
| Net loans and leases to total assets | 81.0748% | 706 |
| Net loans and leases to deposits | 105.8630% | 429 |
| Net loans and leases to core deposits | 111.0916% | 1,216 |
| Total domestic deposits to total assets | 76.5846% | 6,646 |
| Equity capital to assets | 12.4889% | 1,764 |
| Core capital (leverage) ratio | 12.2846% | 1,501 |
| Tier 1 risk-based capital ratio | 20.9937% | 1,340 |
| Total risk-based capital ratio | 22.4570% | 1,287 |
| Memoranda: | ||
| Average total assets | $200,164,000 | 3,212 |
| Average earning assets | $184,669,500 | 3,192 |
| Average equity | $24,849,000 | 2,623 |
| Average total loans | $165,142,000 | 2,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6586% | 3,300 |
| Cost of funding earning assets | 2.0381% | 2,782 |
| Net interest margin | 3.6205% | 4,474 |
| Noninterest income to average assets | 0.2805% | 6,102 |
| Noninterest expense to average assets | 2.9509% | 4,336 |
| Loan and lease loss provision to assets | 0.0901% | 6,711 |
| Net operating income to assets | 0.3662% | 4,267 |
| Return on assets (ROA) | 0.3524% | 4,408 |
| Pretax return on assets | 0.5575% | 4,023 |
| Return on Equity (ROE) | 3.0258% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.0258% | 3,047 |
| Net charge-offs to loans | 0.0718% | 6,392 |
| Credit loss provision to net charge-offs | 154.6218% | 2,950 |
| Earnings coverage of net charge-offs (x) | 11.4874% | 1,586 |
| Efficiency ratio | 81.5170% | 2,667 |
| Assets per employee ($millions) | 4.4499% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 6,791 |
| Loan loss allowance to noncurrent loans | 259.8276% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 6,651 |
| Noncurrent loans to loans | 0.3482% | 6,579 |
| Net loans and leases to total assets | 82.4276% | 625 |
| Net loans and leases to deposits | 108.7948% | 430 |
| Net loans and leases to core deposits | 135.4911% | 978 |
| Total domestic deposits to total assets | 75.7643% | 6,729 |
| Equity capital to assets | 12.3398% | 1,827 |
| Core capital (leverage) ratio | 12.1164% | 1,615 |
| Tier 1 risk-based capital ratio | 20.5994% | 1,360 |
| Total risk-based capital ratio | 22.0291% | 1,300 |
| Memoranda: | ||
| Average total assets | $204,309,200 | 3,130 |
| Average earning assets | $188,456,000 | 3,107 |
| Average equity | $23,795,400 | 2,755 |
| Average total loans | $165,725,000 | 2,679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 3,377 |
| Cost of funding earning assets | 2.1070% | 2,858 |
| Net interest margin | 3.5854% | 4,538 |
| Noninterest income to average assets | 0.2727% | 6,279 |
| Noninterest expense to average assets | 2.8721% | 4,560 |
| Loan and lease loss provision to assets | 0.1078% | 6,299 |
| Net operating income to assets | 0.3773% | 4,489 |
| Return on assets (ROA) | 0.3773% | 4,590 |
| Pretax return on assets | 0.6000% | 4,188 |
| Return on Equity (ROE) | 3.2870% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.2870% | 3,472 |
| Net charge-offs to loans | 0.0975% | 5,697 |
| Credit loss provision to net charge-offs | 137.1901% | 3,607 |
| Earnings coverage of net charge-offs (x) | 9.0082% | 2,165 |
| Efficiency ratio | 80.2286% | 2,808 |
| Assets per employee ($millions) | 4.8920% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,717 |
| Loan loss allowance to noncurrent loans | 239.0675% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 6,661 |
| Noncurrent loans to loans | 0.3810% | 6,587 |
| Net loans and leases to total assets | 78.7430% | 1,438 |
| Net loans and leases to deposits | 105.5231% | 676 |
| Net loans and leases to core deposits | 132.6884% | 1,296 |
| Total domestic deposits to total assets | 74.6216% | 6,844 |
| Equity capital to assets | 11.7438% | 2,400 |
| Core capital (leverage) ratio | 11.9889% | 1,806 |
| Tier 1 risk-based capital ratio | 20.4611% | 1,464 |
| Total risk-based capital ratio | 21.8482% | 1,392 |
| Memoranda: | ||
| Average total assets | $205,325,000 | 3,143 |
| Average earning assets | $189,391,750 | 3,125 |
| Average equity | $23,566,750 | 2,801 |
| Average total loans | $165,515,000 | 2,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8141% | 2,983 |
| Cost of funding earning assets | 2.1845% | 2,862 |
| Net interest margin | 3.6296% | 4,250 |
| Noninterest income to average assets | 0.2718% | 6,328 |
| Noninterest expense to average assets | 2.9248% | 4,412 |
| Loan and lease loss provision to assets | 0.1198% | 5,927 |
| Net operating income to assets | 0.3615% | 4,653 |
| Return on assets (ROA) | 0.3615% | 4,757 |
| Pretax return on assets | 0.5748% | 4,388 |
| Return on Equity (ROE) | 3.1737% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.1737% | 3,550 |
| Net charge-offs to loans | 0.1263% | 4,903 |
| Credit loss provision to net charge-offs | 117.1429% | 3,969 |
| Earnings coverage of net charge-offs (x) | 6.7905% | 2,545 |
| Efficiency ratio | 80.8075% | 2,918 |
| Assets per employee ($millions) | 4.6022% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 6,836 |
| Loan loss allowance to noncurrent loans | 478.6885% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 7,189 |
| Noncurrent loans to loans | 0.1847% | 7,054 |
| Net loans and leases to total assets | 80.8047% | 1,170 |
| Net loans and leases to deposits | 108.4735% | 625 |
| Net loans and leases to core deposits | 135.4649% | 1,242 |
| Total domestic deposits to total assets | 74.4926% | 6,866 |
| Equity capital to assets | 11.6396% | 2,436 |
| Core capital (leverage) ratio | 11.7227% | 1,965 |
| Tier 1 risk-based capital ratio | 20.1953% | 1,537 |
| Total risk-based capital ratio | 21.4295% | 1,503 |
| Memoranda: | ||
| Average total assets | $205,279,330 | 3,164 |
| Average earning assets | $189,332,000 | 3,149 |
| Average equity | $23,379,330 | 2,827 |
| Average total loans | $166,262,000 | 2,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8041% | 3,276 |
| Cost of funding earning assets | 2.2338% | 2,996 |
| Net interest margin | 3.5703% | 4,452 |
| Noninterest income to average assets | 0.2690% | 6,286 |
| Noninterest expense to average assets | 2.8316% | 4,418 |
| Loan and lease loss provision to assets | 0.1161% | 5,484 |
| Net operating income to assets | 0.3929% | 4,885 |
| Return on assets (ROA) | 0.3929% | 5,061 |
| Pretax return on assets | 0.6252% | 4,675 |
| Return on Equity (ROE) | 3.4874% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.4874% | 3,959 |
| Net charge-offs to loans | 0.0096% | 5,515 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 95.7500% | 446 |
| Efficiency ratio | 79.2524% | 2,954 |
| Assets per employee ($millions) | 4.6994% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 6,809 |
| Loan loss allowance to noncurrent loans | 369.8765% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 6,948 |
| Noncurrent loans to loans | 0.2394% | 6,844 |
| Net loans and leases to total assets | 81.1059% | 1,181 |
| Net loans and leases to deposits | 106.3699% | 834 |
| Net loans and leases to core deposits | 134.9345% | 1,361 |
| Total domestic deposits to total assets | 76.2489% | 6,463 |
| Equity capital to assets | 11.1832% | 2,825 |
| Core capital (leverage) ratio | 11.3292% | 2,258 |
| Tier 1 risk-based capital ratio | 19.5522% | 1,707 |
| Total risk-based capital ratio | 20.8023% | 1,656 |
| Memoranda: | ||
| Average total assets | $206,670,000 | 3,160 |
| Average earning assets | $191,244,500 | 3,135 |
| Average equity | $23,284,000 | 2,846 |
| Average total loans | $166,849,000 | 2,740 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8714% | 6,176 |
| Cost of funding earning assets | 2.7564% | 2,893 |
| Net interest margin | 3.1150% | 6,608 |
| Noninterest income to average assets | 0.2397% | 6,731 |
| Noninterest expense to average assets | 2.6905% | 5,309 |
| Loan and lease loss provision to assets | 0.1292% | 5,713 |
| Net operating income to assets | 0.2322% | 5,749 |
| Return on assets (ROA) | -0.1985% | 6,468 |
| Pretax return on assets | -0.2975% | 6,461 |
| Return on Equity (ROE) | -1.5854% | 6,447 |
| Retained earnings to average equity (ytd only) | -1.5854% | 5,759 |
| Net charge-offs to loans | 0.1869% | 4,330 |
| Credit loss provision to net charge-offs | 89.5470% | 5,694 |
| Earnings coverage of net charge-offs (x) | 3.2892% | 4,439 |
| Efficiency ratio | 85.0087% | 1,949 |
| Assets per employee ($millions) | 4.8039% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 6,785 |
| Loan loss allowance to noncurrent loans | 389.7297% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 6,847 |
| Noncurrent loans to loans | 0.2249% | 6,712 |
| Net loans and leases to total assets | 78.9346% | 1,903 |
| Net loans and leases to deposits | 107.9157% | 981 |
| Net loans and leases to core deposits | 135.1010% | 1,530 |
| Total domestic deposits to total assets | 73.1447% | 6,805 |
| Equity capital to assets | 11.3494% | 2,754 |
| Core capital (leverage) ratio | 11.9428% | 1,993 |
| Tier 1 risk-based capital ratio | 19.6504% | 1,672 |
| Total risk-based capital ratio | 20.9422% | 1,624 |
| Memoranda: | ||
| Average total assets | $198,959,400 | 3,154 |
| Average earning assets | $186,837,200 | 3,089 |
| Average equity | $24,915,200 | 2,643 |
| Average total loans | $153,589,800 | 2,863 |