Home > Bay State Savings Bank > Performance and Condition Ratios
Bay State Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 2,780 |
| Cost of funding earning assets | 1.6887% | 1,473 |
| Net interest margin | 2.9646% | 3,367 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.9527% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3078% | 4,014 |
| Return on assets (ROA) | -0.6029% | 4,497 |
| Pretax return on assets | -0.7703% | 4,508 |
| Return on Equity (ROE) | -7.1600% | 4,484 |
| Retained earnings to average equity (ytd only) | -7.1635% | 4,432 |
| Net charge-offs to loans | 0.0021% | 2,735 |
| Credit loss provision to net charge-offs | 2,555.5556% | 185 |
| Earnings coverage of net charge-offs (x) | 222.8889% | 546 |
| Efficiency ratio | 88.5312% | 467 |
| Assets per employee ($millions) | 6.6777% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 3,669 |
| Loan loss allowance to noncurrent loans | 94.8592% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 620 |
| Noncurrent loans to loans | 0.9620% | 767 |
| Net loans and leases to total assets | 84.2400% | 256 |
| Net loans and leases to deposits | 94.2722% | 918 |
| Net loans and leases to core deposits | 113.9597% | 815 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 8.5250% | 3,032 |
| Core capital (leverage) ratio | 8.4515% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9208% | 2,264 |
| Memoranda: | ||
| Average total assets | $524,443,800 | 1,675 |
| Average earning assets | $497,260,400 | 1,644 |
| Average equity | $44,140,600 | 1,754 |
| Average total loans | $438,935,200 | 1,371 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 2,666 |
| Cost of funding earning assets | 1.5789% | 1,411 |
| Net interest margin | 3.0252% | 3,292 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.9067% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1843% | 4,243 |
| Return on assets (ROA) | 0.1843% | 4,263 |
| Pretax return on assets | 0.2155% | 4,241 |
| Return on Equity (ROE) | 2.2000% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.1962% | 3,692 |
| Net charge-offs to loans | 0.0018% | 2,516 |
| Credit loss provision to net charge-offs | 2,966.6667% | 159 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 762 |
| Efficiency ratio | 93.0987% | 290 |
| Assets per employee ($millions) | 6.6873% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 3,732 |
| Loan loss allowance to noncurrent loans | 111.6956% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 843 |
| Noncurrent loans to loans | 0.8062% | 1,030 |
| Net loans and leases to total assets | 83.1600% | 353 |
| Net loans and leases to deposits | 92.8034% | 983 |
| Net loans and leases to core deposits | 111.6731% | 808 |
| Total domestic deposits to total assets | 89.6100% | 1,039 |
| Equity capital to assets | 8.1085% | 2,976 |
| Core capital (leverage) ratio | 8.7487% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0505% | 2,255 |
| Memoranda: | ||
| Average total assets | $525,340,250 | 1,675 |
| Average earning assets | $498,642,500 | 1,641 |
| Average equity | $44,075,000 | 1,747 |
| Average total loans | $437,962,000 | 1,366 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 2,502 |
| Cost of funding earning assets | 1.4380% | 1,365 |
| Net interest margin | 3.1220% | 3,168 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.8363% | 1,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3059% | 4,146 |
| Return on assets (ROA) | 0.3059% | 4,173 |
| Pretax return on assets | 0.3803% | 4,143 |
| Return on Equity (ROE) | 3.6100% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.6055% | 3,315 |
| Net charge-offs to loans | 0.0009% | 2,400 |
| Credit loss provision to net charge-offs | 6,250.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 498.5000% | 295 |
| Efficiency ratio | 88.1774% | 418 |
| Assets per employee ($millions) | 6.7267% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 3,804 |
| Loan loss allowance to noncurrent loans | 203.8780% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 1,475 |
| Noncurrent loans to loans | 0.4379% | 1,626 |
| Net loans and leases to total assets | 81.3300% | 491 |
| Net loans and leases to deposits | 90.8345% | 1,120 |
| Net loans and leases to core deposits | 108.9401% | 871 |
| Total domestic deposits to total assets | 89.5400% | 1,072 |
| Equity capital to assets | 8.3122% | 3,016 |
| Core capital (leverage) ratio | 8.8696% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2648% | 2,188 |
| Memoranda: | ||
| Average total assets | $524,354,000 | 1,677 |
| Average earning assets | $497,762,667 | 1,642 |
| Average equity | $44,487,667 | 1,735 |
| Average total loans | $436,174,333 | 1,355 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 2,417 |
| Cost of funding earning assets | 1.2524% | 1,334 |
| Net interest margin | 3.2026% | 3,114 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8346% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3463% | 4,173 |
| Return on assets (ROA) | 0.3463% | 4,129 |
| Pretax return on assets | 0.4360% | 4,075 |
| Return on Equity (ROE) | 4.0400% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.0391% | 3,261 |
| Net charge-offs to loans | 0.0092% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 1,048 |
| Efficiency ratio | 86.6698% | 481 |
| Assets per employee ($millions) | 6.4377% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 3,943 |
| Loan loss allowance to noncurrent loans | 211.4317% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,513 |
| Noncurrent loans to loans | 0.4100% | 1,703 |
| Net loans and leases to total assets | 81.5500% | 414 |
| Net loans and leases to deposits | 97.4838% | 565 |
| Net loans and leases to core deposits | 109.3662% | 723 |
| Total domestic deposits to total assets | 83.6500% | 3,166 |
| Equity capital to assets | 8.3877% | 2,980 |
| Core capital (leverage) ratio | 9.1508% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2329% | 2,289 |
| Memoranda: | ||
| Average total assets | $517,462,000 | 1,711 |
| Average earning assets | $491,222,500 | 1,675 |
| Average equity | $44,366,000 | 1,755 |
| Average total loans | $433,455,500 | 1,372 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 2,569 |
| Cost of funding earning assets | 0.3682% | 2,347 |
| Net interest margin | 3.3163% | 2,528 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.7151% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4999% | 4,087 |
| Return on assets (ROA) | 0.4999% | 4,049 |
| Pretax return on assets | 0.6878% | 3,873 |
| Return on Equity (ROE) | 5.6700% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.6680% | 2,763 |
| Net charge-offs to loans | 0.0064% | 2,178 |
| Credit loss provision to net charge-offs | 3.8462% | 1,972 |
| Earnings coverage of net charge-offs (x) | 133.1923% | 843 |
| Efficiency ratio | 79.7828% | 734 |
| Assets per employee ($millions) | 6.5868% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,102 |
| Loan loss allowance to noncurrent loans | 261.0081% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 1,476 |
| Noncurrent loans to loans | 0.4039% | 1,714 |
| Net loans and leases to total assets | 84.4700% | 224 |
| Net loans and leases to deposits | 95.8942% | 646 |
| Net loans and leases to core deposits | 101.3727% | 929 |
| Total domestic deposits to total assets | 88.0900% | 2,043 |
| Equity capital to assets | 8.7724% | 2,512 |
| Core capital (leverage) ratio | 9.3601% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4359% | 2,188 |
| Memoranda: | ||
| Average total assets | $503,333,000 | 1,712 |
| Average earning assets | $479,303,200 | 1,679 |
| Average equity | $44,389,800 | 1,775 |
| Average total loans | $406,670,600 | 1,376 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 2,595 |
| Cost of funding earning assets | 0.2470% | 2,738 |
| Net interest margin | 3.2596% | 2,430 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.6588% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4817% | 4,114 |
| Return on assets (ROA) | 0.4817% | 4,062 |
| Pretax return on assets | 0.6849% | 3,828 |
| Return on Equity (ROE) | 5.4500% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,936 |
| Net charge-offs to loans | 0.0083% | 1,832 |
| Credit loss provision to net charge-offs | 4.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 103.6000% | 933 |
| Efficiency ratio | 79.5111% | 802 |
| Assets per employee ($millions) | 6.2917% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,032 |
| Loan loss allowance to noncurrent loans | 183.0219% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 1,108 |
| Noncurrent loans to loans | 0.5990% | 1,348 |
| Net loans and leases to total assets | 81.7900% | 393 |
| Net loans and leases to deposits | 91.3022% | 806 |
| Net loans and leases to core deposits | 95.4771% | 1,026 |
| Total domestic deposits to total assets | 89.5800% | 1,841 |
| Equity capital to assets | 8.6532% | 2,437 |
| Core capital (leverage) ratio | 9.0926% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6793% | 2,180 |
| Memoranda: | ||
| Average total assets | $504,017,750 | 1,717 |
| Average earning assets | $480,372,250 | 1,683 |
| Average equity | $44,508,750 | 1,789 |
| Average total loans | $401,498,000 | 1,381 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 2,661 |
| Cost of funding earning assets | 0.2287% | 2,523 |
| Net interest margin | 3.0956% | 2,549 |
| Noninterest income to average assets | 0.2236% | 3,854 |
| Noninterest expense to average assets | 2.6140% | 1,598 |
| Loan and lease loss provision to assets | 0.0004% | 2,595 |
| Net operating income to assets | 0.3823% | 4,141 |
| Return on assets (ROA) | 0.3823% | 4,093 |
| Pretax return on assets | 0.5601% | 3,903 |
| Return on Equity (ROE) | 4.3014% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.3014% | 2,971 |
| Net charge-offs to loans | 0.0206% | 1,323 |
| Credit loss provision to net charge-offs | 2.4390% | 1,655 |
| Earnings coverage of net charge-offs (x) | 34.6098% | 1,333 |
| Efficiency ratio | 82.3442% | 774 |
| Assets per employee ($millions) | 6.6576% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,059 |
| Loan loss allowance to noncurrent loans | 252.6730% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,613 |
| Noncurrent loans to loans | 0.4450% | 1,786 |
| Net loans and leases to total assets | 77.0158% | 638 |
| Net loans and leases to deposits | 85.8226% | 987 |
| Net loans and leases to core deposits | 89.4251% | 1,153 |
| Total domestic deposits to total assets | 89.7383% | 1,828 |
| Equity capital to assets | 8.6413% | 2,657 |
| Core capital (leverage) ratio | 8.8708% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2391% | 1,962 |
| Memoranda: | ||
| Average total assets | $506,343,333 | 1,717 |
| Average earning assets | $482,689,000 | 1,692 |
| Average equity | $45,008,333 | 1,830 |
| Average total loans | $398,318,000 | 1,387 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 2,602 |
| Cost of funding earning assets | 0.2321% | 2,366 |
| Net interest margin | 2.9973% | 2,512 |
| Noninterest income to average assets | 0.2440% | 3,681 |
| Noninterest expense to average assets | 2.5851% | 1,650 |
| Loan and lease loss provision to assets | 0.0008% | 2,279 |
| Net operating income to assets | 0.3521% | 4,052 |
| Return on assets (ROA) | 0.3521% | 4,016 |
| Pretax return on assets | 0.5119% | 3,852 |
| Return on Equity (ROE) | 3.9062% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.9062% | 2,967 |
| Net charge-offs to loans | 0.0060% | 1,534 |
| Credit loss provision to net charge-offs | 16.6667% | 1,299 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 654 |
| Efficiency ratio | 83.4488% | 889 |
| Assets per employee ($millions) | 6.6859% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,210 |
| Loan loss allowance to noncurrent loans | 242.4973% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 1,661 |
| Noncurrent loans to loans | 0.4650% | 1,861 |
| Net loans and leases to total assets | 77.0751% | 443 |
| Net loans and leases to deposits | 85.9949% | 739 |
| Net loans and leases to core deposits | 91.0582% | 873 |
| Total domestic deposits to total assets | 89.6276% | 1,756 |
| Equity capital to assets | 8.7233% | 2,954 |
| Core capital (leverage) ratio | 9.0146% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1101% | 2,156 |
| Memoranda: | ||
| Average total assets | $503,198,000 | 1,721 |
| Average earning assets | $479,101,000 | 1,705 |
| Average equity | $45,363,500 | 1,876 |
| Average total loans | $397,827,500 | 1,375 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 2,267 |
| Cost of funding earning assets | 0.3401% | 2,023 |
| Net interest margin | 3.3033% | 2,307 |
| Noninterest income to average assets | 0.3109% | 3,547 |
| Noninterest expense to average assets | 2.7168% | 1,590 |
| Loan and lease loss provision to assets | -0.1744% | 4,661 |
| Net operating income to assets | 0.6731% | 3,688 |
| Return on assets (ROA) | 0.8648% | 3,207 |
| Pretax return on assets | 1.1608% | 2,788 |
| Return on Equity (ROE) | 9.5358% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.5358% | 1,037 |
| Net charge-offs to loans | 0.0100% | 2,179 |
| Credit loss provision to net charge-offs | -2,107.5000% | 4,067 |
| Earnings coverage of net charge-offs (x) | 89.9000% | 928 |
| Efficiency ratio | 78.5070% | 906 |
| Assets per employee ($millions) | 6.5544% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 3,130 |
| Loan loss allowance to noncurrent loans | 240.7014% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 1,572 |
| Noncurrent loans to loans | 0.4773% | 1,935 |
| Net loans and leases to total assets | 79.2964% | 305 |
| Net loans and leases to deposits | 89.1662% | 599 |
| Net loans and leases to core deposits | 94.8562% | 736 |
| Total domestic deposits to total assets | 88.9310% | 1,547 |
| Equity capital to assets | 9.3206% | 3,295 |
| Core capital (leverage) ratio | 9.2576% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3488% | 2,104 |
| Memoranda: | ||
| Average total assets | $483,473,600 | 1,736 |
| Average earning assets | $460,996,600 | 1,712 |
| Average equity | $43,845,400 | 1,955 |
| Average total loans | $398,632,200 | 1,378 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 2,332 |
| Cost of funding earning assets | 0.3566% | 2,047 |
| Net interest margin | 3.3230% | 2,350 |
| Noninterest income to average assets | 0.3212% | 3,509 |
| Noninterest expense to average assets | 2.6242% | 1,774 |
| Loan and lease loss provision to assets | 0.0856% | 1,393 |
| Net operating income to assets | 0.5631% | 4,074 |
| Return on assets (ROA) | 0.8197% | 3,546 |
| Pretax return on assets | 1.1055% | 3,184 |
| Return on Equity (ROE) | 9.1035% | 3,077 |
| Retained earnings to average equity (ytd only) | 9.1035% | 1,657 |
| Net charge-offs to loans | 0.0123% | 1,873 |
| Credit loss provision to net charge-offs | 835.1351% | 569 |
| Earnings coverage of net charge-offs (x) | 84.5405% | 949 |
| Efficiency ratio | 75.1825% | 1,104 |
| Assets per employee ($millions) | 6.8748% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,748 |
| Loan loss allowance to noncurrent loans | 285.5349% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 1,707 |
| Noncurrent loans to loans | 0.5148% | 2,016 |
| Net loans and leases to total assets | 78.0654% | 403 |
| Net loans and leases to deposits | 89.2939% | 638 |
| Net loans and leases to core deposits | 96.0927% | 742 |
| Total domestic deposits to total assets | 87.4251% | 2,147 |
| Equity capital to assets | 9.1410% | 3,710 |
| Core capital (leverage) ratio | 8.9587% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4682% | 2,181 |
| Memoranda: | ||
| Average total assets | $481,447,000 | 1,762 |
| Average earning assets | $459,167,500 | 1,732 |
| Average equity | $43,352,250 | 1,991 |
| Average total loans | $399,706,500 | 1,407 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 2,435 |
| Cost of funding earning assets | 0.3755% | 2,084 |
| Net interest margin | 3.2865% | 2,486 |
| Noninterest income to average assets | 0.3635% | 3,284 |
| Noninterest expense to average assets | 2.6046% | 1,835 |
| Loan and lease loss provision to assets | 0.0964% | 1,304 |
| Net operating income to assets | 0.5732% | 4,040 |
| Return on assets (ROA) | 0.9085% | 3,272 |
| Pretax return on assets | 1.2249% | 2,844 |
| Return on Equity (ROE) | 10.1420% | 2,700 |
| Retained earnings to average equity (ytd only) | 10.1420% | 1,359 |
| Net charge-offs to loans | 0.0094% | 1,791 |
| Credit loss provision to net charge-offs | 1,215.7895% | 411 |
| Earnings coverage of net charge-offs (x) | 113.1053% | 696 |
| Efficiency ratio | 74.3862% | 1,217 |
| Assets per employee ($millions) | 6.6613% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,900 |
| Loan loss allowance to noncurrent loans | 90.7258% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 490 |
| Noncurrent loans to loans | 1.5623% | 714 |
| Net loans and leases to total assets | 80.4509% | 288 |
| Net loans and leases to deposits | 91.7983% | 551 |
| Net loans and leases to core deposits | 98.9243% | 688 |
| Total domestic deposits to total assets | 87.6387% | 2,023 |
| Equity capital to assets | 9.0697% | 3,737 |
| Core capital (leverage) ratio | 8.8895% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0915% | 2,335 |
| Memoranda: | ||
| Average total assets | $479,226,333 | 1,762 |
| Average earning assets | $457,575,000 | 1,732 |
| Average equity | $42,930,333 | 2,001 |
| Average total loans | $404,032,333 | 1,396 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 2,244 |
| Cost of funding earning assets | 0.4005% | 2,090 |
| Net interest margin | 3.3477% | 2,259 |
| Noninterest income to average assets | 0.3918% | 3,132 |
| Noninterest expense to average assets | 2.5529% | 2,013 |
| Loan and lease loss provision to assets | 0.1287% | 1,068 |
| Net operating income to assets | 0.6475% | 3,814 |
| Return on assets (ROA) | 0.6475% | 3,889 |
| Pretax return on assets | 0.9014% | 3,593 |
| Return on Equity (ROE) | 7.2738% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.2738% | 2,487 |
| Net charge-offs to loans | 0.0196% | 1,346 |
| Credit loss provision to net charge-offs | 765.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 814 |
| Efficiency ratio | 71.2509% | 1,575 |
| Assets per employee ($millions) | 6.2632% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,152 |
| Loan loss allowance to noncurrent loans | 87.3661% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 511 |
| Noncurrent loans to loans | 1.5565% | 789 |
| Net loans and leases to total assets | 83.4173% | 170 |
| Net loans and leases to deposits | 95.2360% | 433 |
| Net loans and leases to core deposits | 102.7849% | 609 |
| Total domestic deposits to total assets | 87.5902% | 2,051 |
| Equity capital to assets | 8.8346% | 3,850 |
| Core capital (leverage) ratio | 8.8355% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5650% | 2,463 |
| Memoranda: | ||
| Average total assets | $475,701,000 | 1,765 |
| Average earning assets | $453,449,000 | 1,732 |
| Average equity | $42,343,500 | 2,011 |
| Average total loans | $407,629,000 | 1,390 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 2,811 |
| Cost of funding earning assets | 0.7921% | 1,244 |
| Net interest margin | 3.1812% | 3,402 |
| Noninterest income to average assets | 0.3918% | 3,138 |
| Noninterest expense to average assets | 2.6649% | 2,345 |
| Loan and lease loss provision to assets | 0.0767% | 3,423 |
| Net operating income to assets | 0.5052% | 4,017 |
| Return on assets (ROA) | 0.5052% | 4,101 |
| Pretax return on assets | 0.6769% | 3,934 |
| Return on Equity (ROE) | 5.6520% | 3,694 |
| Retained earnings to average equity (ytd only) | 5.6520% | 1,971 |
| Net charge-offs to loans | -0.0002% | 3,895 |
| Credit loss provision to net charge-offs | -35,000.0000% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4361% | 1,089 |
| Assets per employee ($millions) | 6.6076% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,278 |
| Loan loss allowance to noncurrent loans | 76.3362% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.5486% | 460 |
| Noncurrent loans to loans | 1.7405% | 723 |
| Net loans and leases to total assets | 85.6906% | 108 |
| Net loans and leases to deposits | 98.4534% | 442 |
| Net loans and leases to core deposits | 106.9551% | 608 |
| Total domestic deposits to total assets | 87.0367% | 1,927 |
| Equity capital to assets | 8.9698% | 4,082 |
| Core capital (leverage) ratio | 8.8463% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4780% | 2,456 |
| Memoranda: | ||
| Average total assets | $456,610,400 | 1,679 |
| Average earning assets | $434,427,600 | 1,642 |
| Average equity | $40,817,400 | 1,995 |
| Average total loans | $412,429,600 | 1,315 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 2,993 |
| Cost of funding earning assets | 0.8892% | 1,104 |
| Net interest margin | 3.1036% | 3,727 |
| Noninterest income to average assets | 0.3637% | 3,282 |
| Noninterest expense to average assets | 2.5976% | 2,533 |
| Loan and lease loss provision to assets | 0.0644% | 3,530 |
| Net operating income to assets | 0.4825% | 4,080 |
| Return on assets (ROA) | 0.4825% | 4,153 |
| Pretax return on assets | 0.6551% | 3,994 |
| Return on Equity (ROE) | 5.4021% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,377 |
| Net charge-offs to loans | -0.0010% | 3,812 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8497% | 1,053 |
| Assets per employee ($millions) | 6.4612% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,423 |
| Loan loss allowance to noncurrent loans | 66.8269% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 445 |
| Noncurrent loans to loans | 1.8616% | 692 |
| Net loans and leases to total assets | 90.1651% | 35 |
| Net loans and leases to deposits | 104.8305% | 363 |
| Net loans and leases to core deposits | 115.8814% | 506 |
| Total domestic deposits to total assets | 86.0104% | 2,062 |
| Equity capital to assets | 8.8999% | 4,185 |
| Core capital (leverage) ratio | 8.7610% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2192% | 2,526 |
| Memoranda: | ||
| Average total assets | $453,478,250 | 1,666 |
| Average earning assets | $431,525,750 | 1,634 |
| Average equity | $40,501,500 | 1,990 |
| Average total loans | $413,681,750 | 1,310 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,150 |
| Cost of funding earning assets | 1.0026% | 980 |
| Net interest margin | 3.0598% | 3,990 |
| Noninterest income to average assets | 0.3528% | 3,365 |
| Noninterest expense to average assets | 2.5318% | 2,878 |
| Loan and lease loss provision to assets | 0.0561% | 3,597 |
| Net operating income to assets | 0.4885% | 4,047 |
| Return on assets (ROA) | 0.4885% | 4,121 |
| Pretax return on assets | 0.6771% | 3,918 |
| Return on Equity (ROE) | 5.4626% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.4626% | 2,288 |
| Net charge-offs to loans | -0.0029% | 3,881 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0677% | 1,147 |
| Assets per employee ($millions) | 6.5802% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,421 |
| Loan loss allowance to noncurrent loans | 154.9061% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 1,714 |
| Noncurrent loans to loans | 0.7871% | 1,922 |
| Net loans and leases to total assets | 90.0727% | 28 |
| Net loans and leases to deposits | 104.5492% | 356 |
| Net loans and leases to core deposits | 118.8218% | 457 |
| Total domestic deposits to total assets | 86.1534% | 1,947 |
| Equity capital to assets | 8.7481% | 4,311 |
| Core capital (leverage) ratio | 8.7377% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0866% | 2,575 |
| Memoranda: | ||
| Average total assets | $449,568,000 | 1,658 |
| Average earning assets | $427,871,333 | 1,624 |
| Average equity | $40,201,000 | 1,990 |
| Average total loans | $409,995,667 | 1,303 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 3,224 |
| Cost of funding earning assets | 1.1272% | 962 |
| Net interest margin | 3.0683% | 4,166 |
| Noninterest income to average assets | 0.2187% | 4,239 |
| Noninterest expense to average assets | 2.6028% | 2,974 |
| Loan and lease loss provision to assets | 0.0572% | 3,047 |
| Net operating income to assets | 0.3440% | 4,251 |
| Return on assets (ROA) | 0.3440% | 4,283 |
| Pretax return on assets | 0.4737% | 4,164 |
| Return on Equity (ROE) | 3.8027% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.8027% | 2,754 |
| Net charge-offs to loans | -0.0010% | 3,606 |
| Credit loss provision to net charge-offs | -6,300.0000% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0582% | 900 |
| Assets per employee ($millions) | 6.3397% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,266 |
| Loan loss allowance to noncurrent loans | 140.2462% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 1,636 |
| Noncurrent loans to loans | 0.9081% | 1,796 |
| Net loans and leases to total assets | 89.5362% | 42 |
| Net loans and leases to deposits | 106.2196% | 286 |
| Net loans and leases to core deposits | 126.4059% | 326 |
| Total domestic deposits to total assets | 84.2935% | 2,674 |
| Equity capital to assets | 9.0383% | 4,581 |
| Core capital (leverage) ratio | 8.9079% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6909% | 2,847 |
| Memoranda: | ||
| Average total assets | $440,753,500 | 1,647 |
| Average earning assets | $418,739,000 | 1,603 |
| Average equity | $39,866,000 | 1,989 |
| Average total loans | $401,988,000 | 1,291 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 3,619 |
| Cost of funding earning assets | 1.2176% | 988 |
| Net interest margin | 3.0527% | 4,445 |
| Noninterest income to average assets | 0.3889% | 3,365 |
| Noninterest expense to average assets | 2.8181% | 2,546 |
| Loan and lease loss provision to assets | 0.0654% | 2,715 |
| Net operating income to assets | 0.3141% | 4,731 |
| Return on assets (ROA) | 0.3766% | 4,667 |
| Pretax return on assets | 0.4745% | 4,616 |
| Return on Equity (ROE) | 4.1085% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.1085% | 2,918 |
| Net charge-offs to loans | 0.0026% | 3,597 |
| Credit loss provision to net charge-offs | 2,770.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 195.3000% | 405 |
| Efficiency ratio | 85.9456% | 542 |
| Assets per employee ($millions) | 6.5333% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,117 |
| Loan loss allowance to noncurrent loans | 144.8355% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 1,622 |
| Noncurrent loans to loans | 0.8705% | 1,765 |
| Net loans and leases to total assets | 90.5688% | 41 |
| Net loans and leases to deposits | 107.3393% | 251 |
| Net loans and leases to core deposits | 127.5063% | 317 |
| Total domestic deposits to total assets | 84.3761% | 2,728 |
| Equity capital to assets | 9.0517% | 4,661 |
| Core capital (leverage) ratio | 9.0554% | 4,484 |
| Tier 1 risk-based capital ratio | 11.4220% | 4,667 |
| Total risk-based capital ratio | 12.6751% | 4,544 |
| Memoranda: | ||
| Average total assets | $423,802,000 | 1,654 |
| Average earning assets | $401,213,800 | 1,618 |
| Average equity | $38,846,200 | 1,983 |
| Average total loans | $381,133,400 | 1,322 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 3,584 |
| Cost of funding earning assets | 1.2195% | 985 |
| Net interest margin | 3.1033% | 4,469 |
| Noninterest income to average assets | 0.4079% | 3,264 |
| Noninterest expense to average assets | 2.8162% | 2,523 |
| Loan and lease loss provision to assets | 0.0742% | 2,404 |
| Net operating income to assets | 0.3519% | 4,785 |
| Return on assets (ROA) | 0.4358% | 4,682 |
| Pretax return on assets | 0.5589% | 4,609 |
| Return on Equity (ROE) | 4.7396% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.7396% | 3,031 |
| Net charge-offs to loans | -0.0004% | 3,961 |
| Credit loss provision to net charge-offs | -23,400.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2395% | 598 |
| Assets per employee ($millions) | 6.2493% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 1,896 |
| Loan loss allowance to noncurrent loans | 131.4002% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 1,502 |
| Noncurrent loans to loans | 1.0022% | 1,590 |
| Net loans and leases to total assets | 88.6965% | 74 |
| Net loans and leases to deposits | 105.6523% | 338 |
| Net loans and leases to core deposits | 125.0755% | 385 |
| Total domestic deposits to total assets | 83.9512% | 2,839 |
| Equity capital to assets | 9.2619% | 4,624 |
| Core capital (leverage) ratio | 9.1974% | 4,477 |
| Tier 1 risk-based capital ratio | 11.6126% | 4,615 |
| Total risk-based capital ratio | 12.8660% | 4,509 |
| Memoranda: | ||
| Average total assets | $420,320,500 | 1,678 |
| Average earning assets | $397,545,250 | 1,646 |
| Average equity | $38,652,250 | 2,000 |
| Average total loans | $376,040,000 | 1,346 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 3,552 |
| Cost of funding earning assets | 1.1991% | 1,000 |
| Net interest margin | 3.1276% | 4,487 |
| Noninterest income to average assets | 0.4518% | 2,952 |
| Noninterest expense to average assets | 2.8473% | 2,419 |
| Loan and lease loss provision to assets | 0.0817% | 2,205 |
| Net operating income to assets | 0.3731% | 4,773 |
| Return on assets (ROA) | 0.4991% | 4,560 |
| Pretax return on assets | 0.6395% | 4,469 |
| Return on Equity (ROE) | 5.4403% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.4403% | 2,544 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5248% | 688 |
| Assets per employee ($millions) | 6.0794% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 1,923 |
| Loan loss allowance to noncurrent loans | 152.0049% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 1,790 |
| Noncurrent loans to loans | 0.8691% | 1,864 |
| Net loans and leases to total assets | 88.4267% | 95 |
| Net loans and leases to deposits | 106.3845% | 323 |
| Net loans and leases to core deposits | 123.6269% | 439 |
| Total domestic deposits to total assets | 83.1199% | 3,164 |
| Equity capital to assets | 9.2984% | 4,579 |
| Core capital (leverage) ratio | 9.1801% | 4,487 |
| Tier 1 risk-based capital ratio | 11.6603% | 4,603 |
| Total risk-based capital ratio | 12.9137% | 4,500 |
| Memoranda: | ||
| Average total assets | $418,775,670 | 1,688 |
| Average earning assets | $395,954,670 | 1,648 |
| Average equity | $38,416,670 | 2,004 |
| Average total loans | $374,070,000 | 1,356 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 3,529 |
| Cost of funding earning assets | 1.1688% | 990 |
| Net interest margin | 3.1401% | 4,513 |
| Noninterest income to average assets | 0.5162% | 2,460 |
| Noninterest expense to average assets | 2.9253% | 2,201 |
| Loan and lease loss provision to assets | 0.0889% | 1,934 |
| Net operating income to assets | 0.3634% | 4,805 |
| Return on assets (ROA) | 0.6156% | 4,231 |
| Pretax return on assets | 0.7877% | 4,072 |
| Return on Equity (ROE) | 6.7572% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.7572% | 2,133 |
| Net charge-offs to loans | 0.0054% | 2,515 |
| Credit loss provision to net charge-offs | 1,860.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 116.6000% | 602 |
| Efficiency ratio | 83.9967% | 709 |
| Assets per employee ($millions) | 6.2496% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,046 |
| Loan loss allowance to noncurrent loans | 160.5722% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 1,932 |
| Noncurrent loans to loans | 0.8156% | 2,011 |
| Net loans and leases to total assets | 87.8777% | 102 |
| Net loans and leases to deposits | 108.8004% | 253 |
| Net loans and leases to core deposits | 127.4514% | 348 |
| Total domestic deposits to total assets | 80.7697% | 4,009 |
| Equity capital to assets | 9.1951% | 4,539 |
| Core capital (leverage) ratio | 9.0599% | 4,610 |
| Tier 1 risk-based capital ratio | 11.6195% | 4,678 |
| Total risk-based capital ratio | 12.8726% | 4,556 |
| Memoranda: | ||
| Average total assets | $418,422,500 | 1,695 |
| Average earning assets | $395,270,500 | 1,659 |
| Average equity | $38,122,500 | 2,011 |
| Average total loans | $373,155,000 | 1,360 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,450 |
| Cost of funding earning assets | 0.9988% | 751 |
| Net interest margin | 3.1988% | 4,489 |
| Noninterest income to average assets | 0.3165% | 4,001 |
| Noninterest expense to average assets | 2.8756% | 2,433 |
| Loan and lease loss provision to assets | 0.1042% | 2,109 |
| Net operating income to assets | 0.2478% | 5,063 |
| Return on assets (ROA) | 0.3614% | 4,916 |
| Pretax return on assets | 0.4845% | 4,821 |
| Return on Equity (ROE) | 3.9952% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.9952% | 3,374 |
| Net charge-offs to loans | 0.0135% | 3,223 |
| Credit loss provision to net charge-offs | 875.5102% | 408 |
| Earnings coverage of net charge-offs (x) | 37.3878% | 1,381 |
| Efficiency ratio | 86.6004% | 496 |
| Assets per employee ($millions) | 5.8890% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,125 |
| Loan loss allowance to noncurrent loans | 156.7506% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 1,694 |
| Noncurrent loans to loans | 0.8191% | 1,968 |
| Net loans and leases to total assets | 88.1723% | 110 |
| Net loans and leases to deposits | 112.0977% | 206 |
| Net loans and leases to core deposits | 134.5377% | 253 |
| Total domestic deposits to total assets | 78.6567% | 4,378 |
| Equity capital to assets | 9.0268% | 4,553 |
| Core capital (leverage) ratio | 8.7708% | 4,831 |
| Tier 1 risk-based capital ratio | 11.4113% | 4,767 |
| Total risk-based capital ratio | 12.8361% | 4,575 |
| Memoranda: | ||
| Average total assets | $411,734,000 | 1,661 |
| Average earning assets | $386,680,400 | 1,637 |
| Average equity | $37,244,400 | 1,973 |
| Average total loans | $363,164,400 | 1,358 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,463 |
| Cost of funding earning assets | 0.9458% | 762 |
| Net interest margin | 3.2033% | 4,504 |
| Noninterest income to average assets | 0.3150% | 4,046 |
| Noninterest expense to average assets | 2.8929% | 2,322 |
| Loan and lease loss provision to assets | 0.1395% | 1,435 |
| Net operating income to assets | 0.2206% | 5,186 |
| Return on assets (ROA) | 0.3475% | 5,030 |
| Pretax return on assets | 0.4480% | 4,970 |
| Return on Equity (ROE) | 3.8397% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.8397% | 3,860 |
| Net charge-offs to loans | -0.0152% | 4,529 |
| Credit loss provision to net charge-offs | -1,046.3415% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1426% | 450 |
| Assets per employee ($millions) | 6.1170% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,044 |
| Loan loss allowance to noncurrent loans | 142.0884% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 1,818 |
| Noncurrent loans to loans | 0.9236% | 1,849 |
| Net loans and leases to total assets | 87.0312% | 186 |
| Net loans and leases to deposits | 114.8047% | 169 |
| Net loans and leases to core deposits | 133.3332% | 281 |
| Total domestic deposits to total assets | 75.8081% | 4,809 |
| Equity capital to assets | 8.8930% | 4,645 |
| Core capital (leverage) ratio | 8.7066% | 4,956 |
| Tier 1 risk-based capital ratio | 11.1641% | 4,962 |
| Total risk-based capital ratio | 12.6744% | 4,714 |
| Memoranda: | ||
| Average total assets | $410,137,250 | 1,672 |
| Average earning assets | $384,721,000 | 1,658 |
| Average equity | $37,119,750 | 1,982 |
| Average total loans | $360,590,000 | 1,365 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 3,365 |
| Cost of funding earning assets | 0.8813% | 787 |
| Net interest margin | 3.2435% | 4,398 |
| Noninterest income to average assets | 0.3235% | 4,024 |
| Noninterest expense to average assets | 2.8083% | 2,635 |
| Loan and lease loss provision to assets | 0.1522% | 1,244 |
| Net operating income to assets | 0.2965% | 5,119 |
| Return on assets (ROA) | 0.4875% | 4,778 |
| Pretax return on assets | 0.6461% | 4,651 |
| Return on Equity (ROE) | 5.3541% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.3541% | 2,904 |
| Net charge-offs to loans | -0.0168% | 4,497 |
| Credit loss provision to net charge-offs | -1,030.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4626% | 726 |
| Assets per employee ($millions) | 5.8461% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,181 |
| Loan loss allowance to noncurrent loans | 133.0907% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 1,733 |
| Noncurrent loans to loans | 0.9746% | 1,791 |
| Net loans and leases to total assets | 87.1567% | 190 |
| Net loans and leases to deposits | 114.5995% | 182 |
| Net loans and leases to core deposits | 126.1616% | 403 |
| Total domestic deposits to total assets | 76.0533% | 4,850 |
| Equity capital to assets | 8.9895% | 4,571 |
| Core capital (leverage) ratio | 8.7855% | 4,898 |
| Tier 1 risk-based capital ratio | 11.3935% | 4,841 |
| Total risk-based capital ratio | 12.8662% | 4,611 |
| Memoranda: | ||
| Average total assets | $406,158,000 | 1,697 |
| Average earning assets | $380,822,000 | 1,684 |
| Average equity | $36,981,330 | 1,988 |
| Average total loans | $356,712,670 | 1,372 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 3,284 |
| Cost of funding earning assets | 0.8270% | 845 |
| Net interest margin | 3.2580% | 4,295 |
| Noninterest income to average assets | 0.3127% | 4,061 |
| Noninterest expense to average assets | 2.7642% | 2,830 |
| Loan and lease loss provision to assets | 0.1583% | 1,141 |
| Net operating income to assets | 0.3200% | 5,065 |
| Return on assets (ROA) | 0.5875% | 4,467 |
| Pretax return on assets | 0.7847% | 4,190 |
| Return on Equity (ROE) | 6.4103% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.4103% | 2,545 |
| Net charge-offs to loans | -0.0421% | 4,890 |
| Credit loss provision to net charge-offs | -429.7297% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0573% | 942 |
| Assets per employee ($millions) | 5.9770% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 2,264 |
| Loan loss allowance to noncurrent loans | 134.5099% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 1,877 |
| Noncurrent loans to loans | 0.9637% | 1,892 |
| Net loans and leases to total assets | 86.3835% | 233 |
| Net loans and leases to deposits | 112.0612% | 206 |
| Net loans and leases to core deposits | 122.9250% | 501 |
| Total domestic deposits to total assets | 77.0860% | 4,846 |
| Equity capital to assets | 9.0969% | 4,460 |
| Core capital (leverage) ratio | 8.8580% | 4,842 |
| Tier 1 risk-based capital ratio | 11.5174% | 4,853 |
| Total risk-based capital ratio | 12.9970% | 4,598 |
| Memoranda: | ||
| Average total assets | $401,701,500 | 1,728 |
| Average earning assets | $376,793,500 | 1,714 |
| Average equity | $36,815,500 | 2,007 |
| Average total loans | $351,811,000 | 1,391 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,305 |
| Cost of funding earning assets | 0.7490% | 823 |
| Net interest margin | 3.2812% | 4,211 |
| Noninterest income to average assets | 0.3714% | 3,813 |
| Noninterest expense to average assets | 2.8119% | 2,730 |
| Loan and lease loss provision to assets | 0.1632% | 1,362 |
| Net operating income to assets | 0.2748% | 4,973 |
| Return on assets (ROA) | 0.7339% | 3,498 |
| Pretax return on assets | 1.1869% | 2,820 |
| Return on Equity (ROE) | 8.0669% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.0669% | 742 |
| Net charge-offs to loans | 0.1232% | 1,819 |
| Credit loss provision to net charge-offs | 153.6058% | 1,746 |
| Earnings coverage of net charge-offs (x) | 5.9543% | 3,247 |
| Efficiency ratio | 81.6301% | 953 |
| Assets per employee ($millions) | 5.5135% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,381 |
| Loan loss allowance to noncurrent loans | 180.6465% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,484 |
| Noncurrent loans to loans | 0.7025% | 2,450 |
| Net loans and leases to total assets | 86.5317% | 220 |
| Net loans and leases to deposits | 112.5106% | 202 |
| Net loans and leases to core deposits | 120.1550% | 576 |
| Total domestic deposits to total assets | 76.9098% | 4,859 |
| Equity capital to assets | 9.2345% | 4,494 |
| Core capital (leverage) ratio | 8.9340% | 4,725 |
| Tier 1 risk-based capital ratio | 11.7310% | 4,696 |
| Total risk-based capital ratio | 13.2343% | 4,424 |
| Memoranda: | ||
| Average total assets | $391,444,000 | 1,746 |
| Average earning assets | $366,632,000 | 1,727 |
| Average equity | $35,614,800 | 2,047 |
| Average total loans | $337,710,200 | 1,420 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,319 |
| Cost of funding earning assets | 0.7380% | 811 |
| Net interest margin | 3.2732% | 4,250 |
| Noninterest income to average assets | 0.4160% | 3,584 |
| Noninterest expense to average assets | 2.7961% | 2,739 |
| Loan and lease loss provision to assets | 0.1654% | 1,223 |
| Net operating income to assets | 0.3314% | 5,151 |
| Return on assets (ROA) | 0.9393% | 2,895 |
| Pretax return on assets | 1.4698% | 1,881 |
| Return on Equity (ROE) | 10.3635% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.3635% | 514 |
| Net charge-offs to loans | 0.1237% | 1,549 |
| Credit loss provision to net charge-offs | 155.6270% | 1,642 |
| Earnings coverage of net charge-offs (x) | 6.4469% | 2,986 |
| Efficiency ratio | 80.0785% | 1,093 |
| Assets per employee ($millions) | 5.7979% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,456 |
| Loan loss allowance to noncurrent loans | 111.7512% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 1,718 |
| Noncurrent loans to loans | 1.1463% | 1,672 |
| Net loans and leases to total assets | 85.3199% | 307 |
| Net loans and leases to deposits | 111.3594% | 237 |
| Net loans and leases to core deposits | 118.1674% | 649 |
| Total domestic deposits to total assets | 76.6167% | 4,942 |
| Equity capital to assets | 9.2531% | 4,681 |
| Core capital (leverage) ratio | 8.9118% | 4,847 |
| Tier 1 risk-based capital ratio | 11.8922% | 4,704 |
| Total risk-based capital ratio | 13.3648% | 4,434 |
| Memoranda: | ||
| Average total assets | $390,062,500 | 1,763 |
| Average earning assets | $365,302,250 | 1,742 |
| Average equity | $35,354,000 | 2,065 |
| Average total loans | $335,157,750 | 1,437 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,237 |
| Cost of funding earning assets | 0.7252% | 783 |
| Net interest margin | 3.2654% | 4,220 |
| Noninterest income to average assets | 0.3628% | 3,963 |
| Noninterest expense to average assets | 2.7540% | 2,910 |
| Loan and lease loss provision to assets | 0.1714% | 1,136 |
| Net operating income to assets | 0.2933% | 5,241 |
| Return on assets (ROA) | 1.1871% | 1,670 |
| Pretax return on assets | 1.8901% | 676 |
| Return on Equity (ROE) | 13.1910% | 981 |
| Retained earnings to average equity (ytd only) | 13.1910% | 239 |
| Net charge-offs to loans | 0.0114% | 3,062 |
| Credit loss provision to net charge-offs | 1,752.6316% | 238 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 860 |
| Efficiency ratio | 80.4034% | 1,169 |
| Assets per employee ($millions) | 5.6608% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,308 |
| Loan loss allowance to noncurrent loans | 95.8519% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 1,436 |
| Noncurrent loans to loans | 1.3781% | 1,406 |
| Net loans and leases to total assets | 84.9481% | 350 |
| Net loans and leases to deposits | 112.0915% | 222 |
| Net loans and leases to core deposits | 118.9576% | 601 |
| Total domestic deposits to total assets | 75.7846% | 5,116 |
| Equity capital to assets | 9.0883% | 4,815 |
| Core capital (leverage) ratio | 8.8555% | 4,894 |
| Tier 1 risk-based capital ratio | 11.9383% | 4,668 |
| Total risk-based capital ratio | 13.4084% | 4,404 |
| Memoranda: | ||
| Average total assets | $388,664,670 | 1,764 |
| Average earning assets | $363,756,670 | 1,749 |
| Average equity | $34,978,330 | 2,077 |
| Average total loans | $333,295,670 | 1,444 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 3,381 |
| Cost of funding earning assets | 0.7142% | 783 |
| Net interest margin | 3.1910% | 4,370 |
| Noninterest income to average assets | 0.3554% | 3,992 |
| Noninterest expense to average assets | 2.7459% | 2,971 |
| Loan and lease loss provision to assets | 0.1590% | 1,136 |
| Net operating income to assets | 0.1922% | 5,405 |
| Return on assets (ROA) | 1.9955% | 315 |
| Pretax return on assets | 3.2541% | 111 |
| Return on Equity (ROE) | 22.2861% | 143 |
| Retained earnings to average equity (ytd only) | 22.2861% | 73 |
| Net charge-offs to loans | 0.0644% | 1,688 |
| Credit loss provision to net charge-offs | 288.6792% | 808 |
| Earnings coverage of net charge-offs (x) | 10.8113% | 1,917 |
| Efficiency ratio | 82.1773% | 1,141 |
| Assets per employee ($millions) | 5.9468% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,652 |
| Loan loss allowance to noncurrent loans | 85.6858% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 1,337 |
| Noncurrent loans to loans | 1.4897% | 1,346 |
| Net loans and leases to total assets | 84.5742% | 320 |
| Net loans and leases to deposits | 109.9308% | 217 |
| Net loans and leases to core deposits | 116.3196% | 582 |
| Total domestic deposits to total assets | 76.9340% | 5,122 |
| Equity capital to assets | 9.0463% | 4,765 |
| Core capital (leverage) ratio | 9.0046% | 4,733 |
| Tier 1 risk-based capital ratio | 11.8673% | 4,799 |
| Total risk-based capital ratio | 13.3223% | 4,563 |
| Memoranda: | ||
| Average total assets | $384,869,000 | 1,795 |
| Average earning assets | $360,141,500 | 1,773 |
| Average equity | $34,461,000 | 2,115 |
| Average total loans | $329,384,500 | 1,462 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,281 |
| Cost of funding earning assets | 0.7153% | 763 |
| Net interest margin | 3.2615% | 4,259 |
| Noninterest income to average assets | 0.4808% | 3,342 |
| Noninterest expense to average assets | 2.9035% | 2,659 |
| Loan and lease loss provision to assets | 0.1774% | 1,362 |
| Net operating income to assets | 0.3176% | 5,174 |
| Return on assets (ROA) | 0.3335% | 5,206 |
| Pretax return on assets | 0.4733% | 5,086 |
| Return on Equity (ROE) | 3.7868% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.7868% | 3,223 |
| Net charge-offs to loans | 0.0543% | 2,951 |
| Credit loss provision to net charge-offs | 382.1839% | 824 |
| Earnings coverage of net charge-offs (x) | 13.5287% | 2,363 |
| Efficiency ratio | 81.7481% | 1,232 |
| Assets per employee ($millions) | 5.7159% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,547 |
| Loan loss allowance to noncurrent loans | 122.9686% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 2,097 |
| Noncurrent loans to loans | 1.0570% | 1,964 |
| Net loans and leases to total assets | 84.3848% | 351 |
| Net loans and leases to deposits | 105.1432% | 383 |
| Net loans and leases to core deposits | 110.6519% | 855 |
| Total domestic deposits to total assets | 80.2570% | 4,517 |
| Equity capital to assets | 8.8579% | 4,960 |
| Core capital (leverage) ratio | 8.4468% | 5,324 |
| Tier 1 risk-based capital ratio | 11.8072% | 4,854 |
| Total risk-based capital ratio | 13.2364% | 4,622 |
| Memoranda: | ||
| Average total assets | $374,828,400 | 1,784 |
| Average earning assets | $350,609,000 | 1,773 |
| Average equity | $33,009,200 | 2,176 |
| Average total loans | $320,244,800 | 1,448 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,255 |
| Cost of funding earning assets | 0.7095% | 777 |
| Net interest margin | 3.2822% | 4,244 |
| Noninterest income to average assets | 0.3955% | 3,951 |
| Noninterest expense to average assets | 2.8531% | 2,816 |
| Loan and lease loss provision to assets | 0.1774% | 1,259 |
| Net operating income to assets | 0.3077% | 5,270 |
| Return on assets (ROA) | 0.3292% | 5,294 |
| Pretax return on assets | 0.4657% | 5,197 |
| Return on Equity (ROE) | 3.7437% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.7437% | 3,642 |
| Net charge-offs to loans | 0.1589% | 1,425 |
| Credit loss provision to net charge-offs | 130.7087% | 1,969 |
| Earnings coverage of net charge-offs (x) | 4.5144% | 3,258 |
| Efficiency ratio | 81.8976% | 1,203 |
| Assets per employee ($millions) | 5.9211% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,539 |
| Loan loss allowance to noncurrent loans | 103.5249% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 2,031 |
| Noncurrent loans to loans | 1.1108% | 2,029 |
| Net loans and leases to total assets | 85.2705% | 308 |
| Net loans and leases to deposits | 112.8413% | 206 |
| Net loans and leases to core deposits | 118.6524% | 552 |
| Total domestic deposits to total assets | 75.5667% | 5,282 |
| Equity capital to assets | 8.6831% | 5,412 |
| Core capital (leverage) ratio | 8.4417% | 5,405 |
| Tier 1 risk-based capital ratio | 11.6171% | 5,025 |
| Total risk-based capital ratio | 13.0258% | 4,834 |
| Memoranda: | ||
| Average total assets | $374,223,750 | 1,788 |
| Average earning assets | $350,076,750 | 1,777 |
| Average equity | $32,907,500 | 2,199 |
| Average total loans | $319,673,250 | 1,456 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,270 |
| Cost of funding earning assets | 0.7121% | 754 |
| Net interest margin | 3.2796% | 4,290 |
| Noninterest income to average assets | 0.3863% | 3,980 |
| Noninterest expense to average assets | 2.8402% | 2,873 |
| Loan and lease loss provision to assets | 0.1781% | 1,228 |
| Net operating income to assets | 0.3080% | 5,301 |
| Return on assets (ROA) | 0.3210% | 5,343 |
| Pretax return on assets | 0.4527% | 5,240 |
| Return on Equity (ROE) | 3.6350% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.6350% | 3,580 |
| Net charge-offs to loans | 0.0989% | 1,849 |
| Credit loss provision to net charge-offs | 211.5385% | 1,251 |
| Earnings coverage of net charge-offs (x) | 7.2756% | 2,641 |
| Efficiency ratio | 81.5127% | 1,330 |
| Assets per employee ($millions) | 5.7963% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,393 |
| Loan loss allowance to noncurrent loans | 70.6988% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 1,257 |
| Noncurrent loans to loans | 1.6912% | 1,255 |
| Net loans and leases to total assets | 84.9932% | 328 |
| Net loans and leases to deposits | 112.3704% | 202 |
| Net loans and leases to core deposits | 117.7157% | 585 |
| Total domestic deposits to total assets | 75.6366% | 5,335 |
| Equity capital to assets | 8.8109% | 5,392 |
| Core capital (leverage) ratio | 8.6345% | 5,231 |
| Tier 1 risk-based capital ratio | 11.6198% | 5,082 |
| Total risk-based capital ratio | 13.0388% | 4,860 |
| Memoranda: | ||
| Average total assets | $370,674,000 | 1,808 |
| Average earning assets | $346,561,670 | 1,789 |
| Average equity | $32,737,000 | 2,211 |
| Average total loans | $315,564,000 | 1,468 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,098 |
| Cost of funding earning assets | 0.7138% | 755 |
| Net interest margin | 3.3201% | 4,144 |
| Noninterest income to average assets | 0.3514% | 4,212 |
| Noninterest expense to average assets | 2.8561% | 2,860 |
| Loan and lease loss provision to assets | 0.1795% | 1,128 |
| Net operating income to assets | 0.2973% | 5,316 |
| Return on assets (ROA) | 0.3232% | 5,317 |
| Pretax return on assets | 0.4602% | 5,186 |
| Return on Equity (ROE) | 3.6545% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.6545% | 3,667 |
| Net charge-offs to loans | 0.1760% | 1,090 |
| Credit loss provision to net charge-offs | 120.4380% | 1,439 |
| Earnings coverage of net charge-offs (x) | 4.0438% | 2,472 |
| Efficiency ratio | 81.3463% | 1,448 |
| Assets per employee ($millions) | 5.9727% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,612 |
| Loan loss allowance to noncurrent loans | 58.7429% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7442% | 1,085 |
| Noncurrent loans to loans | 2.0068% | 1,069 |
| Net loans and leases to total assets | 83.0751% | 450 |
| Net loans and leases to deposits | 106.6986% | 315 |
| Net loans and leases to core deposits | 111.5948% | 773 |
| Total domestic deposits to total assets | 77.8596% | 5,171 |
| Equity capital to assets | 8.7071% | 5,416 |
| Core capital (leverage) ratio | 8.6036% | 5,288 |
| Tier 1 risk-based capital ratio | 11.8639% | 5,000 |
| Total risk-based capital ratio | 13.2691% | 4,816 |
| Memoranda: | ||
| Average total assets | $367,630,000 | 1,826 |
| Average earning assets | $344,090,000 | 1,811 |
| Average equity | $32,507,500 | 2,220 |
| Average total loans | $311,297,500 | 1,476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 2,916 |
| Cost of funding earning assets | 0.6786% | 924 |
| Net interest margin | 3.4220% | 3,830 |
| Noninterest income to average assets | 0.5200% | 3,198 |
| Noninterest expense to average assets | 2.9180% | 2,794 |
| Loan and lease loss provision to assets | 0.1911% | 1,156 |
| Net operating income to assets | 0.4059% | 5,036 |
| Return on assets (ROA) | 0.4393% | 5,003 |
| Pretax return on assets | 0.6593% | 4,648 |
| Return on Equity (ROE) | 4.8891% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.8891% | 2,501 |
| Net charge-offs to loans | -0.0632% | 5,632 |
| Credit loss provision to net charge-offs | -357.4468% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4617% | 1,896 |
| Assets per employee ($millions) | 5.6981% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 3,435 |
| Loan loss allowance to noncurrent loans | 50.1015% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.0837% | 826 |
| Noncurrent loans to loans | 2.4119% | 780 |
| Net loans and leases to total assets | 84.2860% | 362 |
| Net loans and leases to deposits | 105.8826% | 367 |
| Net loans and leases to core deposits | 110.6738% | 824 |
| Total domestic deposits to total assets | 79.6033% | 4,840 |
| Equity capital to assets | 8.9844% | 5,141 |
| Core capital (leverage) ratio | 8.7029% | 5,213 |
| Tier 1 risk-based capital ratio | 12.0864% | 4,895 |
| Total risk-based capital ratio | 13.4866% | 4,704 |
| Memoranda: | ||
| Average total assets | $351,717,800 | 1,860 |
| Average earning assets | $328,755,600 | 1,848 |
| Average equity | $31,601,200 | 2,223 |
| Average total loans | $297,451,000 | 1,477 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,844 |
| Cost of funding earning assets | 0.6666% | 993 |
| Net interest margin | 3.4564% | 3,731 |
| Noninterest income to average assets | 0.5651% | 2,953 |
| Noninterest expense to average assets | 2.9272% | 2,755 |
| Loan and lease loss provision to assets | 0.2218% | 844 |
| Net operating income to assets | 0.4302% | 5,047 |
| Return on assets (ROA) | 0.4752% | 4,977 |
| Pretax return on assets | 0.7133% | 4,640 |
| Return on Equity (ROE) | 5.2885% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.2885% | 2,729 |
| Net charge-offs to loans | 0.0610% | 2,725 |
| Credit loss provision to net charge-offs | 431.1111% | 715 |
| Earnings coverage of net charge-offs (x) | 16.8737% | 2,086 |
| Efficiency ratio | 77.1185% | 2,071 |
| Assets per employee ($millions) | 5.5630% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,274 |
| Loan loss allowance to noncurrent loans | 48.3814% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.9206% | 1,083 |
| Noncurrent loans to loans | 2.2571% | 957 |
| Net loans and leases to total assets | 83.6466% | 408 |
| Net loans and leases to deposits | 105.2106% | 398 |
| Net loans and leases to core deposits | 110.1243% | 867 |
| Total domestic deposits to total assets | 79.5040% | 4,861 |
| Equity capital to assets | 8.9543% | 5,352 |
| Core capital (leverage) ratio | 8.7294% | 5,315 |
| Tier 1 risk-based capital ratio | 12.1734% | 4,982 |
| Total risk-based capital ratio | 13.5402% | 4,793 |
| Memoranda: | ||
| Average total assets | $349,902,500 | 1,882 |
| Average earning assets | $327,002,250 | 1,870 |
| Average equity | $31,438,500 | 2,244 |
| Average total loans | $295,246,250 | 1,496 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 2,782 |
| Cost of funding earning assets | 0.6431% | 1,142 |
| Net interest margin | 3.4892% | 3,543 |
| Noninterest income to average assets | 0.6600% | 2,419 |
| Noninterest expense to average assets | 2.9811% | 2,611 |
| Loan and lease loss provision to assets | 0.2306% | 801 |
| Net operating income to assets | 0.4747% | 4,871 |
| Return on assets (ROA) | 0.5197% | 4,787 |
| Pretax return on assets | 0.7785% | 4,392 |
| Return on Equity (ROE) | 5.7780% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.7780% | 2,366 |
| Net charge-offs to loans | 0.0573% | 2,578 |
| Credit loss provision to net charge-offs | 477.3810% | 650 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,745 |
| Efficiency ratio | 75.8904% | 2,378 |
| Assets per employee ($millions) | 5.2220% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 4,460 |
| Loan loss allowance to noncurrent loans | 43.1362% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0925% | 1,033 |
| Noncurrent loans to loans | 2.4954% | 897 |
| Net loans and leases to total assets | 82.9503% | 477 |
| Net loans and leases to deposits | 108.7186% | 290 |
| Net loans and leases to core deposits | 114.2873% | 651 |
| Total domestic deposits to total assets | 76.2982% | 5,560 |
| Equity capital to assets | 9.0207% | 5,217 |
| Core capital (leverage) ratio | 8.7748% | 5,253 |
| Tier 1 risk-based capital ratio | 12.3407% | 4,915 |
| Total risk-based capital ratio | 13.7518% | 4,723 |
| Memoranda: | ||
| Average total assets | $347,859,670 | 1,908 |
| Average earning assets | $325,285,670 | 1,885 |
| Average equity | $31,291,330 | 2,263 |
| Average total loans | $293,296,330 | 1,510 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,453 |
| Cost of funding earning assets | 0.6104% | 1,363 |
| Net interest margin | 3.5923% | 3,038 |
| Noninterest income to average assets | 0.5166% | 3,176 |
| Noninterest expense to average assets | 2.9338% | 2,795 |
| Loan and lease loss provision to assets | 0.2537% | 641 |
| Net operating income to assets | 0.4659% | 4,808 |
| Return on assets (ROA) | 0.4855% | 4,869 |
| Pretax return on assets | 0.7173% | 4,543 |
| Return on Equity (ROE) | 5.4050% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,832 |
| Net charge-offs to loans | 0.1078% | 1,661 |
| Credit loss provision to net charge-offs | 278.4810% | 856 |
| Earnings coverage of net charge-offs (x) | 10.3418% | 1,942 |
| Efficiency ratio | 75.6918% | 2,553 |
| Assets per employee ($millions) | 5.4265% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,061 |
| Loan loss allowance to noncurrent loans | 58.9911% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4397% | 1,836 |
| Noncurrent loans to loans | 1.6854% | 1,640 |
| Net loans and leases to total assets | 84.1891% | 298 |
| Net loans and leases to deposits | 113.5661% | 166 |
| Net loans and leases to core deposits | 119.5307% | 425 |
| Total domestic deposits to total assets | 74.1322% | 5,894 |
| Equity capital to assets | 8.8934% | 5,399 |
| Core capital (leverage) ratio | 8.8018% | 5,198 |
| Tier 1 risk-based capital ratio | 12.1951% | 5,113 |
| Total risk-based capital ratio | 13.5880% | 4,932 |
| Memoranda: | ||
| Average total assets | $346,853,500 | 1,912 |
| Average earning assets | $324,362,000 | 1,902 |
| Average equity | $31,156,500 | 2,284 |
| Average total loans | $293,255,500 | 1,511 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,467 |
| Cost of funding earning assets | 0.5970% | 1,782 |
| Net interest margin | 3.7407% | 2,844 |
| Noninterest income to average assets | 0.4499% | 3,827 |
| Noninterest expense to average assets | 3.3365% | 1,831 |
| Loan and lease loss provision to assets | 0.2028% | 1,248 |
| Net operating income to assets | 0.2958% | 5,529 |
| Return on assets (ROA) | 0.3379% | 5,482 |
| Pretax return on assets | 0.4277% | 5,424 |
| Return on Equity (ROE) | 3.5110% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.5110% | 3,719 |
| Net charge-offs to loans | 0.2502% | 1,713 |
| Credit loss provision to net charge-offs | 98.7597% | 2,456 |
| Earnings coverage of net charge-offs (x) | 2.8109% | 4,058 |
| Efficiency ratio | 85.2494% | 1,258 |
| Assets per employee ($millions) | 5.0893% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 5,181 |
| Loan loss allowance to noncurrent loans | 49.6709% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 1,625 |
| Noncurrent loans to loans | 1.9614% | 1,428 |
| Net loans and leases to total assets | 83.2247% | 409 |
| Net loans and leases to deposits | 110.2053% | 229 |
| Net loans and leases to core deposits | 116.0957% | 523 |
| Total domestic deposits to total assets | 75.5178% | 5,805 |
| Equity capital to assets | 9.0749% | 5,209 |
| Core capital (leverage) ratio | 8.9615% | 5,048 |
| Tier 1 risk-based capital ratio | 12.3910% | 5,097 |
| Total risk-based capital ratio | 13.5417% | 5,080 |
| Memoranda: | ||
| Average total assets | $314,040,000 | 2,067 |
| Average earning assets | $290,801,000 | 2,065 |
| Average equity | $30,219,200 | 2,260 |
| Average total loans | $257,806,800 | 1,646 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 2,375 |
| Cost of funding earning assets | 0.5902% | 1,923 |
| Net interest margin | 3.7732% | 2,722 |
| Noninterest income to average assets | 0.4439% | 3,930 |
| Noninterest expense to average assets | 3.2280% | 2,096 |
| Loan and lease loss provision to assets | 0.2070% | 1,129 |
| Net operating income to assets | 0.3690% | 5,372 |
| Return on assets (ROA) | 0.3996% | 5,325 |
| Pretax return on assets | 0.5363% | 5,219 |
| Return on Equity (ROE) | 4.0881% | 5,136 |
| Retained earnings to average equity (ytd only) | 4.0881% | 3,740 |
| Net charge-offs to loans | 0.2836% | 1,385 |
| Credit loss provision to net charge-offs | 89.4934% | 2,442 |
| Earnings coverage of net charge-offs (x) | 3.0375% | 3,757 |
| Efficiency ratio | 82.1283% | 1,605 |
| Assets per employee ($millions) | 4.8369% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 5,170 |
| Loan loss allowance to noncurrent loans | 52.3764% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6166% | 1,876 |
| Noncurrent loans to loans | 1.9274% | 1,662 |
| Net loans and leases to total assets | 83.0286% | 403 |
| Net loans and leases to deposits | 106.1294% | 325 |
| Net loans and leases to core deposits | 111.7505% | 669 |
| Total domestic deposits to total assets | 78.2334% | 5,478 |
| Equity capital to assets | 9.4522% | 4,854 |
| Core capital (leverage) ratio | 9.3640% | 4,554 |
| Tier 1 risk-based capital ratio | 12.7975% | 4,979 |
| Total risk-based capital ratio | 13.9710% | 4,934 |
| Memoranda: | ||
| Average total assets | $307,304,250 | 2,127 |
| Average earning assets | $283,958,750 | 2,113 |
| Average equity | $30,038,000 | 2,282 |
| Average total loans | $250,615,000 | 1,696 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,394 |
| Cost of funding earning assets | 0.5876% | 2,004 |
| Net interest margin | 3.7595% | 2,719 |
| Noninterest income to average assets | 0.4455% | 3,901 |
| Noninterest expense to average assets | 3.2932% | 1,940 |
| Loan and lease loss provision to assets | 0.2168% | 1,085 |
| Net operating income to assets | 0.3142% | 5,518 |
| Return on assets (ROA) | 0.3593% | 5,442 |
| Pretax return on assets | 0.4574% | 5,401 |
| Return on Equity (ROE) | 3.6327% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,879 |
| Net charge-offs to loans | 0.0099% | 4,070 |
| Credit loss provision to net charge-offs | 2,725.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 77.5833% | 684 |
| Efficiency ratio | 84.2177% | 1,481 |
| Assets per employee ($millions) | 4.7135% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,338 |
| Loan loss allowance to noncurrent loans | 55.4073% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 1,811 |
| Noncurrent loans to loans | 2.1999% | 1,486 |
| Net loans and leases to total assets | 79.9339% | 695 |
| Net loans and leases to deposits | 96.4137% | 772 |
| Net loans and leases to core deposits | 100.5417% | 1,235 |
| Total domestic deposits to total assets | 82.9073% | 4,339 |
| Equity capital to assets | 9.6116% | 4,608 |
| Core capital (leverage) ratio | 9.6224% | 4,144 |
| Tier 1 risk-based capital ratio | 13.1534% | 4,817 |
| Total risk-based capital ratio | 14.4052% | 4,748 |
| Memoranda: | ||
| Average total assets | $301,714,330 | 2,160 |
| Average earning assets | $278,069,000 | 2,155 |
| Average equity | $29,840,000 | 2,282 |
| Average total loans | $243,547,330 | 1,732 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,276 |
| Cost of funding earning assets | 0.6025% | 1,948 |
| Net interest margin | 3.7639% | 2,619 |
| Noninterest income to average assets | 0.4588% | 3,721 |
| Noninterest expense to average assets | 3.3095% | 1,927 |
| Loan and lease loss provision to assets | 0.2118% | 1,085 |
| Net operating income to assets | 0.3228% | 5,418 |
| Return on assets (ROA) | 0.3706% | 5,296 |
| Pretax return on assets | 0.4656% | 5,271 |
| Return on Equity (ROE) | 3.6913% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.6913% | 3,916 |
| Net charge-offs to loans | 0.0051% | 3,557 |
| Credit loss provision to net charge-offs | 5,200.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 151.6667% | 320 |
| Efficiency ratio | 84.2724% | 1,641 |
| Assets per employee ($millions) | 4.5147% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 4,591 |
| Loan loss allowance to noncurrent loans | 56.0661% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7902% | 1,962 |
| Noncurrent loans to loans | 2.1573% | 1,694 |
| Net loans and leases to total assets | 79.7373% | 580 |
| Net loans and leases to deposits | 97.7360% | 562 |
| Net loans and leases to core deposits | 101.8160% | 996 |
| Total domestic deposits to total assets | 81.5844% | 5,066 |
| Equity capital to assets | 9.8502% | 4,032 |
| Core capital (leverage) ratio | 9.8957% | 3,718 |
| Tier 1 risk-based capital ratio | 13.4863% | 4,690 |
| Total risk-based capital ratio | 14.7379% | 4,631 |
| Memoranda: | ||
| Average total assets | $294,668,000 | 2,202 |
| Average earning assets | $271,526,500 | 2,209 |
| Average equity | $29,583,000 | 2,289 |
| Average total loans | $237,545,000 | 1,774 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,590 |
| Cost of funding earning assets | 0.6331% | 2,352 |
| Net interest margin | 3.7665% | 2,778 |
| Noninterest income to average assets | 0.4228% | 4,279 |
| Noninterest expense to average assets | 3.4881% | 1,681 |
| Loan and lease loss provision to assets | 0.2776% | 1,254 |
| Net operating income to assets | 0.1009% | 6,043 |
| Return on assets (ROA) | 0.2621% | 5,729 |
| Pretax return on assets | 0.2991% | 5,735 |
| Return on Equity (ROE) | 2.5924% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.5924% | 4,408 |
| Net charge-offs to loans | 0.4003% | 1,685 |
| Credit loss provision to net charge-offs | 89.1403% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.2636% | 4,646 |
| Efficiency ratio | 89.8611% | 1,033 |
| Assets per employee ($millions) | 4.0979% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 4,598 |
| Loan loss allowance to noncurrent loans | 54.7303% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.8351% | 1,996 |
| Noncurrent loans to loans | 2.2152% | 1,756 |
| Net loans and leases to total assets | 79.5338% | 645 |
| Net loans and leases to deposits | 95.8673% | 744 |
| Net loans and leases to core deposits | 100.2751% | 1,137 |
| Total domestic deposits to total assets | 82.9624% | 4,557 |
| Equity capital to assets | 10.2390% | 3,455 |
| Core capital (leverage) ratio | 10.0743% | 3,464 |
| Tier 1 risk-based capital ratio | 13.8086% | 4,429 |
| Total risk-based capital ratio | 15.0598% | 4,379 |
| Memoranda: | ||
| Average total assets | $283,819,600 | 2,242 |
| Average earning assets | $260,638,400 | 2,248 |
| Average equity | $28,699,400 | 2,327 |
| Average total loans | $220,847,600 | 1,851 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 2,591 |
| Cost of funding earning assets | 0.6319% | 2,528 |
| Net interest margin | 3.7703% | 2,749 |
| Noninterest income to average assets | 0.3858% | 4,636 |
| Noninterest expense to average assets | 3.4682% | 1,682 |
| Loan and lease loss provision to assets | 0.2365% | 1,522 |
| Net operating income to assets | 0.1181% | 6,103 |
| Return on assets (ROA) | 0.2831% | 5,779 |
| Pretax return on assets | 0.3373% | 5,782 |
| Return on Equity (ROE) | 2.8085% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.8085% | 4,637 |
| Net charge-offs to loans | 0.4214% | 1,519 |
| Credit loss provision to net charge-offs | 72.7536% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.1609% | 4,461 |
| Efficiency ratio | 90.1886% | 975 |
| Assets per employee ($millions) | 4.1499% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,705 |
| Loan loss allowance to noncurrent loans | 49.8803% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 2,044 |
| Noncurrent loans to loans | 2.4793% | 1,754 |
| Net loans and leases to total assets | 75.5281% | 1,064 |
| Net loans and leases to deposits | 91.0460% | 1,061 |
| Net loans and leases to core deposits | 95.0946% | 1,463 |
| Total domestic deposits to total assets | 82.9560% | 4,589 |
| Equity capital to assets | 9.9881% | 3,918 |
| Core capital (leverage) ratio | 10.1679% | 3,449 |
| Tier 1 risk-based capital ratio | 14.2429% | 4,257 |
| Total risk-based capital ratio | 15.4939% | 4,203 |
| Memoranda: | ||
| Average total assets | $283,061,000 | 2,259 |
| Average earning assets | $259,741,250 | 2,257 |
| Average equity | $28,531,500 | 2,368 |
| Average total loans | $218,323,000 | 1,874 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,403 |
| Cost of funding earning assets | 0.6308% | 2,675 |
| Net interest margin | 3.8136% | 2,501 |
| Noninterest income to average assets | 0.3220% | 5,134 |
| Noninterest expense to average assets | 3.4791% | 1,654 |
| Loan and lease loss provision to assets | 0.1709% | 2,199 |
| Net operating income to assets | 0.1400% | 6,043 |
| Return on assets (ROA) | 0.3284% | 5,653 |
| Pretax return on assets | 0.4008% | 5,637 |
| Return on Equity (ROE) | 3.2481% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.2481% | 4,238 |
| Net charge-offs to loans | 0.4576% | 1,439 |
| Credit loss provision to net charge-offs | 48.2966% | 3,248 |
| Earnings coverage of net charge-offs (x) | 0.9659% | 4,209 |
| Efficiency ratio | 91.0525% | 974 |
| Assets per employee ($millions) | 3.9600% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,905 |
| Loan loss allowance to noncurrent loans | 45.4984% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1833% | 1,976 |
| Noncurrent loans to loans | 2.6699% | 1,712 |
| Net loans and leases to total assets | 75.2406% | 1,083 |
| Net loans and leases to deposits | 91.8489% | 978 |
| Net loans and leases to core deposits | 95.5121% | 1,397 |
| Total domestic deposits to total assets | 81.9178% | 5,084 |
| Equity capital to assets | 9.9688% | 3,957 |
| Core capital (leverage) ratio | 10.1743% | 3,271 |
| Tier 1 risk-based capital ratio | 14.3021% | 4,224 |
| Total risk-based capital ratio | 15.5529% | 4,175 |
| Memoranda: | ||
| Average total assets | $281,967,670 | 2,279 |
| Average earning assets | $258,707,670 | 2,274 |
| Average equity | $28,508,670 | 2,388 |
| Average total loans | $218,105,330 | 1,872 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 2,031 |
| Cost of funding earning assets | 0.6333% | 2,811 |
| Net interest margin | 3.9043% | 2,106 |
| Noninterest income to average assets | 0.3738% | 4,676 |
| Noninterest expense to average assets | 3.4138% | 1,798 |
| Loan and lease loss provision to assets | 0.1441% | 2,437 |
| Net operating income to assets | 0.3138% | 5,521 |
| Return on assets (ROA) | 0.3994% | 5,276 |
| Pretax return on assets | 0.5036% | 5,243 |
| Return on Equity (ROE) | 3.9227% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.9227% | 3,880 |
| Net charge-offs to loans | 0.5014% | 1,203 |
| Credit loss provision to net charge-offs | 36.8613% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.3796% | 3,373 |
| Efficiency ratio | 86.3587% | 1,474 |
| Assets per employee ($millions) | 3.9727% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 4,870 |
| Loan loss allowance to noncurrent loans | 56.8120% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.9272% | 2,433 |
| Noncurrent loans to loans | 2.2270% | 2,356 |
| Net loans and leases to total assets | 75.3380% | 920 |
| Net loans and leases to deposits | 93.0634% | 724 |
| Net loans and leases to core deposits | 96.7479% | 1,159 |
| Total domestic deposits to total assets | 80.9535% | 5,514 |
| Equity capital to assets | 10.2169% | 3,886 |
| Core capital (leverage) ratio | 10.2295% | 3,107 |
| Tier 1 risk-based capital ratio | 14.6674% | 4,056 |
| Total risk-based capital ratio | 15.9194% | 4,018 |
| Memoranda: | ||
| Average total assets | $280,391,500 | 2,312 |
| Average earning assets | $257,052,000 | 2,313 |
| Average equity | $28,551,500 | 2,414 |
| Average total loans | $218,576,000 | 1,877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 2,311 |
| Cost of funding earning assets | 0.7426% | 3,137 |
| Net interest margin | 4.0292% | 2,276 |
| Noninterest income to average assets | 0.5705% | 3,442 |
| Noninterest expense to average assets | 3.4942% | 1,823 |
| Loan and lease loss provision to assets | 0.2981% | 2,292 |
| Net operating income to assets | 0.3383% | 5,333 |
| Return on assets (ROA) | 0.3797% | 5,411 |
| Pretax return on assets | 0.5382% | 5,170 |
| Return on Equity (ROE) | 3.7068% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.7068% | 3,608 |
| Net charge-offs to loans | 0.2606% | 3,378 |
| Credit loss provision to net charge-offs | 146.2633% | 1,861 |
| Earnings coverage of net charge-offs (x) | 3.8167% | 3,589 |
| Efficiency ratio | 81.7896% | 1,900 |
| Assets per employee ($millions) | 4.0394% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,605 |
| Loan loss allowance to noncurrent loans | 48.9603% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3708% | 2,068 |
| Noncurrent loans to loans | 2.6653% | 1,987 |
| Net loans and leases to total assets | 78.5850% | 611 |
| Net loans and leases to deposits | 96.6397% | 582 |
| Net loans and leases to core deposits | 100.7692% | 980 |
| Total domestic deposits to total assets | 81.3175% | 5,303 |
| Equity capital to assets | 10.1481% | 3,968 |
| Core capital (leverage) ratio | 9.9777% | 3,433 |
| Tier 1 risk-based capital ratio | 14.2689% | 4,187 |
| Total risk-based capital ratio | 15.5218% | 4,143 |
| Memoranda: | ||
| Average total assets | $275,714,200 | 2,299 |
| Average earning assets | $253,298,600 | 2,286 |
| Average equity | $28,245,200 | 2,378 |
| Average total loans | $215,681,200 | 1,879 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,529 |
| Cost of funding earning assets | 0.7723% | 3,170 |
| Net interest margin | 3.9906% | 2,540 |
| Noninterest income to average assets | 0.5222% | 3,788 |
| Noninterest expense to average assets | 3.5126% | 1,726 |
| Loan and lease loss provision to assets | 0.2235% | 2,825 |
| Net operating income to assets | 0.3210% | 5,543 |
| Return on assets (ROA) | 0.3685% | 5,577 |
| Pretax return on assets | 0.5188% | 5,408 |
| Return on Equity (ROE) | 3.5888% | 5,459 |
| Retained earnings to average equity (ytd only) | 3.5888% | 4,352 |
| Net charge-offs to loans | 0.2609% | 3,158 |
| Credit loss provision to net charge-offs | 110.0239% | 2,670 |
| Earnings coverage of net charge-offs (x) | 3.3246% | 3,688 |
| Efficiency ratio | 83.8717% | 1,606 |
| Assets per employee ($millions) | 3.9298% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,350 |
| Loan loss allowance to noncurrent loans | 43.8370% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4422% | 2,166 |
| Noncurrent loans to loans | 2.7037% | 2,097 |
| Net loans and leases to total assets | 80.0217% | 502 |
| Net loans and leases to deposits | 99.9239% | 441 |
| Net loans and leases to core deposits | 103.7172% | 881 |
| Total domestic deposits to total assets | 80.0826% | 5,630 |
| Equity capital to assets | 10.3081% | 4,069 |
| Core capital (leverage) ratio | 9.9348% | 3,640 |
| Tier 1 risk-based capital ratio | 13.9087% | 4,599 |
| Total risk-based capital ratio | 15.1598% | 4,561 |
| Memoranda: | ||
| Average total assets | $274,962,500 | 2,330 |
| Average earning assets | $252,584,250 | 2,325 |
| Average equity | $28,235,250 | 2,391 |
| Average total loans | $214,119,250 | 1,911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 2,736 |
| Cost of funding earning assets | 0.8143% | 3,083 |
| Net interest margin | 3.9313% | 2,787 |
| Noninterest income to average assets | 0.4905% | 3,981 |
| Noninterest expense to average assets | 3.5320% | 1,718 |
| Loan and lease loss provision to assets | 0.2200% | 2,879 |
| Net operating income to assets | 0.2544% | 5,755 |
| Return on assets (ROA) | 0.2982% | 5,827 |
| Pretax return on assets | 0.3998% | 5,713 |
| Return on Equity (ROE) | 2.9081% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.9081% | 4,699 |
| Net charge-offs to loans | 0.3388% | 2,668 |
| Credit loss provision to net charge-offs | 84.5506% | 3,200 |
| Earnings coverage of net charge-offs (x) | 2.1573% | 3,903 |
| Efficiency ratio | 86.2857% | 1,403 |
| Assets per employee ($millions) | 3.6401% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,520 |
| Loan loss allowance to noncurrent loans | 41.2498% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.4454% | 2,282 |
| Noncurrent loans to loans | 2.8174% | 2,124 |
| Net loans and leases to total assets | 79.3436% | 578 |
| Net loans and leases to deposits | 98.8632% | 477 |
| Net loans and leases to core deposits | 102.7598% | 938 |
| Total domestic deposits to total assets | 80.2560% | 5,674 |
| Equity capital to assets | 10.2337% | 4,017 |
| Core capital (leverage) ratio | 9.9502% | 3,487 |
| Tier 1 risk-based capital ratio | 13.9147% | 4,513 |
| Total risk-based capital ratio | 15.1656% | 4,488 |
| Memoranda: | ||
| Average total assets | $273,612,330 | 2,343 |
| Average earning assets | $250,756,000 | 2,350 |
| Average equity | $28,060,000 | 2,388 |
| Average total loans | $210,176,000 | 1,941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 2,939 |
| Cost of funding earning assets | 0.8476% | 3,087 |
| Net interest margin | 3.8798% | 3,006 |
| Noninterest income to average assets | 0.4851% | 4,020 |
| Noninterest expense to average assets | 3.5385% | 1,684 |
| Loan and lease loss provision to assets | 0.2220% | 2,730 |
| Net operating income to assets | 0.2200% | 5,923 |
| Return on assets (ROA) | 0.2514% | 5,968 |
| Pretax return on assets | 0.3175% | 5,937 |
| Return on Equity (ROE) | 2.4486% | 5,923 |
| Retained earnings to average equity (ytd only) | 2.4486% | 5,035 |
| Net charge-offs to loans | 0.7286% | 1,389 |
| Credit loss provision to net charge-offs | 40.5914% | 3,441 |
| Earnings coverage of net charge-offs (x) | 0.9140% | 3,873 |
| Efficiency ratio | 87.6229% | 1,321 |
| Assets per employee ($millions) | 3.5812% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,676 |
| Loan loss allowance to noncurrent loans | 33.0234% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 2.8877% | 2,013 |
| Noncurrent loans to loans | 3.5121% | 1,777 |
| Net loans and leases to total assets | 74.6359% | 967 |
| Net loans and leases to deposits | 92.1650% | 784 |
| Net loans and leases to core deposits | 95.6544% | 1,321 |
| Total domestic deposits to total assets | 80.9807% | 5,615 |
| Equity capital to assets | 10.1754% | 3,881 |
| Core capital (leverage) ratio | 10.0754% | 3,278 |
| Tier 1 risk-based capital ratio | 14.4739% | 4,131 |
| Total risk-based capital ratio | 15.7244% | 4,092 |
| Memoranda: | ||
| Average total assets | $272,095,500 | 2,369 |
| Average earning assets | $249,185,500 | 2,371 |
| Average equity | $27,934,500 | 2,393 |
| Average total loans | $204,223,000 | 1,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 2,945 |
| Cost of funding earning assets | 0.9569% | 3,672 |
| Net interest margin | 4.0284% | 2,737 |
| Noninterest income to average assets | 0.4727% | 4,041 |
| Noninterest expense to average assets | 3.6638% | 1,607 |
| Loan and lease loss provision to assets | 0.2488% | 3,719 |
| Net operating income to assets | 0.2106% | 5,559 |
| Return on assets (ROA) | 0.3685% | 5,166 |
| Pretax return on assets | 0.4394% | 5,172 |
| Return on Equity (ROE) | 3.6293% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.6293% | 3,628 |
| Net charge-offs to loans | 0.4478% | 3,192 |
| Credit loss provision to net charge-offs | 74.0618% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.4890% | 4,652 |
| Efficiency ratio | 87.9886% | 1,359 |
| Assets per employee ($millions) | 3.4862% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,826 |
| Loan loss allowance to noncurrent loans | 35.9226% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 2.8118% | 2,147 |
| Noncurrent loans to loans | 3.6650% | 1,724 |
| Net loans and leases to total assets | 73.6052% | 1,339 |
| Net loans and leases to deposits | 92.2028% | 952 |
| Net loans and leases to core deposits | 95.6258% | 1,530 |
| Total domestic deposits to total assets | 79.8297% | 5,787 |
| Equity capital to assets | 10.3599% | 3,700 |
| Core capital (leverage) ratio | 10.0717% | 3,253 |
| Tier 1 risk-based capital ratio | 14.9035% | 3,697 |
| Total risk-based capital ratio | 16.1561% | 3,667 |
| Memoranda: | ||
| Average total assets | $269,716,400 | 2,340 |
| Average earning assets | $247,146,800 | 2,336 |
| Average equity | $27,388,400 | 2,366 |
| Average total loans | $202,325,400 | 2,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 3,036 |
| Cost of funding earning assets | 0.9746% | 3,853 |
| Net interest margin | 4.0351% | 2,753 |
| Noninterest income to average assets | 0.4720% | 4,110 |
| Noninterest expense to average assets | 3.6276% | 1,653 |
| Loan and lease loss provision to assets | 0.2232% | 3,778 |
| Net operating income to assets | 0.2358% | 5,601 |
| Return on assets (ROA) | 0.3461% | 5,404 |
| Pretax return on assets | 0.4705% | 5,259 |
| Return on Equity (ROE) | 3.4257% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.4257% | 4,295 |
| Net charge-offs to loans | 0.0361% | 5,639 |
| Credit loss provision to net charge-offs | 821.8182% | 322 |
| Earnings coverage of net charge-offs (x) | 20.0550% | 1,240 |
| Efficiency ratio | 86.9467% | 1,443 |
| Assets per employee ($millions) | 3.4314% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 3,640 |
| Loan loss allowance to noncurrent loans | 46.8732% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.6049% | 2,479 |
| Noncurrent loans to loans | 3.4237% | 2,009 |
| Net loans and leases to total assets | 74.8631% | 1,171 |
| Net loans and leases to deposits | 93.6094% | 872 |
| Net loans and leases to core deposits | 96.9432% | 1,514 |
| Total domestic deposits to total assets | 79.9738% | 5,748 |
| Equity capital to assets | 10.3564% | 3,886 |
| Core capital (leverage) ratio | 9.9122% | 3,554 |
| Tier 1 risk-based capital ratio | 14.6746% | 3,851 |
| Total risk-based capital ratio | 15.9309% | 3,828 |
| Memoranda: | ||
| Average total assets | $270,035,750 | 2,355 |
| Average earning assets | $247,618,500 | 2,339 |
| Average equity | $27,283,000 | 2,374 |
| Average total loans | $202,851,500 | 2,036 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 3,086 |
| Cost of funding earning assets | 0.9934% | 3,989 |
| Net interest margin | 4.0210% | 2,740 |
| Noninterest income to average assets | 0.4926% | 3,927 |
| Noninterest expense to average assets | 3.5720% | 1,806 |
| Loan and lease loss provision to assets | 0.2127% | 3,788 |
| Net operating income to assets | 0.2904% | 5,407 |
| Return on assets (ROA) | 0.3766% | 5,188 |
| Pretax return on assets | 0.5147% | 5,010 |
| Return on Equity (ROE) | 3.7586% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.7586% | 3,824 |
| Net charge-offs to loans | 0.1570% | 4,243 |
| Credit loss provision to net charge-offs | 181.1321% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.1887% | 2,672 |
| Efficiency ratio | 85.4292% | 1,657 |
| Assets per employee ($millions) | 3.4692% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 4,324 |
| Loan loss allowance to noncurrent loans | 39.0829% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 2.9069% | 2,311 |
| Noncurrent loans to loans | 3.7189% | 1,887 |
| Net loans and leases to total assets | 75.1692% | 1,209 |
| Net loans and leases to deposits | 93.6164% | 900 |
| Net loans and leases to core deposits | 97.4414% | 1,542 |
| Total domestic deposits to total assets | 80.2948% | 5,744 |
| Equity capital to assets | 10.1841% | 3,894 |
| Core capital (leverage) ratio | 9.8011% | 3,520 |
| Tier 1 risk-based capital ratio | 14.4213% | 3,850 |
| Total risk-based capital ratio | 15.6763% | 3,820 |
| Memoranda: | ||
| Average total assets | $270,831,000 | 2,358 |
| Average earning assets | $248,444,330 | 2,343 |
| Average equity | $27,137,670 | 2,374 |
| Average total loans | $202,589,000 | 2,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 3,144 |
| Cost of funding earning assets | 1.0131% | 4,104 |
| Net interest margin | 3.9782% | 2,781 |
| Noninterest income to average assets | 0.5211% | 3,718 |
| Noninterest expense to average assets | 3.5136% | 1,966 |
| Loan and lease loss provision to assets | 0.1772% | 3,849 |
| Net operating income to assets | 0.3466% | 5,191 |
| Return on assets (ROA) | 0.3794% | 5,114 |
| Pretax return on assets | 0.5152% | 4,978 |
| Return on Equity (ROE) | 3.8177% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.8177% | 3,881 |
| Net charge-offs to loans | -0.0379% | 6,797 |
| Credit loss provision to net charge-offs | -631.5789% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4271% | 1,907 |
| Assets per employee ($millions) | 3.5302% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 4,241 |
| Loan loss allowance to noncurrent loans | 41.3746% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.8115% | 2,452 |
| Noncurrent loans to loans | 3.6121% | 2,056 |
| Net loans and leases to total assets | 73.9484% | 1,354 |
| Net loans and leases to deposits | 92.0957% | 1,011 |
| Net loans and leases to core deposits | 96.0403% | 1,672 |
| Total domestic deposits to total assets | 80.2951% | 5,874 |
| Equity capital to assets | 10.1031% | 3,645 |
| Core capital (leverage) ratio | 9.8020% | 3,384 |
| Tier 1 risk-based capital ratio | 14.3306% | 3,846 |
| Total risk-based capital ratio | 15.5853% | 3,803 |
| Memoranda: | ||
| Average total assets | $270,947,000 | 2,379 |
| Average earning assets | $247,948,500 | 2,371 |
| Average equity | $26,927,500 | 2,382 |
| Average total loans | $200,680,000 | 2,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 4,039 |
| Cost of funding earning assets | 1.2865% | 3,972 |
| Net interest margin | 3.8275% | 3,833 |
| Noninterest income to average assets | 0.5993% | 3,483 |
| Noninterest expense to average assets | 3.3939% | 2,450 |
| Loan and lease loss provision to assets | 0.3002% | 4,404 |
| Net operating income to assets | 0.3897% | 4,590 |
| Return on assets (ROA) | 0.2853% | 5,142 |
| Pretax return on assets | 0.3143% | 5,192 |
| Return on Equity (ROE) | 3.0312% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.0910% | 4,418 |
| Net charge-offs to loans | 0.4147% | 3,964 |
| Credit loss provision to net charge-offs | 100.9524% | 4,500 |
| Earnings coverage of net charge-offs (x) | 2.4524% | 3,900 |
| Efficiency ratio | 82.3146% | 2,124 |
| Assets per employee ($millions) | 3.4200% | 5,124 |
| Cash dividends to net income (ytd only)* | 31.0174% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,344 |
| Loan loss allowance to noncurrent loans | 44.5669% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.4525% | 2,822 |
| Noncurrent loans to loans | 3.2218% | 2,358 |
| Net loans and leases to total assets | 72.0322% | 2,102 |
| Net loans and leases to deposits | 90.7458% | 1,431 |
| Net loans and leases to core deposits | 94.9060% | 2,146 |
| Total domestic deposits to total assets | 79.3779% | 5,995 |
| Equity capital to assets | 9.7767% | 4,025 |
| Core capital (leverage) ratio | 9.3529% | 3,922 |
| Tier 1 risk-based capital ratio | 14.8853% | 3,313 |
| Total risk-based capital ratio | 16.1401% | 3,271 |
| Memoranda: | ||
| Average total assets | $282,510,200 | 2,270 |
| Average earning assets | $260,090,600 | 2,259 |
| Average equity | $26,590,200 | 2,408 |
| Average total loans | $202,543,800 | 2,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 4,208 |
| Cost of funding earning assets | 1.3352% | 4,007 |
| Net interest margin | 3.7867% | 4,026 |
| Noninterest income to average assets | 0.5277% | 3,960 |
| Noninterest expense to average assets | 3.3218% | 2,509 |
| Loan and lease loss provision to assets | 0.3053% | 4,134 |
| Net operating income to assets | 0.2892% | 5,207 |
| Return on assets (ROA) | 0.1836% | 5,721 |
| Pretax return on assets | 0.2491% | 5,614 |
| Return on Equity (ROE) | 1.9685% | 5,621 |
| Retained earnings to average equity (ytd only) | 0.7131% | 5,517 |
| Net charge-offs to loans | 0.3202% | 4,058 |
| Credit loss provision to net charge-offs | 133.6066% | 3,023 |
| Earnings coverage of net charge-offs (x) | 3.0512% | 3,608 |
| Efficiency ratio | 82.6518% | 1,988 |
| Assets per employee ($millions) | 3.6416% | 4,641 |
| Cash dividends to net income (ytd only)* | 63.7769% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,924 |
| Loan loss allowance to noncurrent loans | 42.5260% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.6469% | 2,737 |
| Noncurrent loans to loans | 3.5434% | 2,214 |
| Net loans and leases to total assets | 70.5600% | 2,600 |
| Net loans and leases to deposits | 90.2564% | 1,693 |
| Net loans and leases to core deposits | 94.6180% | 2,435 |
| Total domestic deposits to total assets | 78.1773% | 6,225 |
| Equity capital to assets | 9.5599% | 4,754 |
| Core capital (leverage) ratio | 9.0666% | 4,575 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,493 |
| Total risk-based capital ratio | 15.7913% | 3,456 |
| Memoranda: | ||
| Average total assets | $284,737,750 | 2,283 |
| Average earning assets | $262,526,750 | 2,268 |
| Average equity | $26,550,500 | 2,454 |
| Average total loans | $203,192,000 | 2,163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 4,149 |
| Cost of funding earning assets | 1.3747% | 4,029 |
| Net interest margin | 3.7842% | 3,961 |
| Noninterest income to average assets | 0.5234% | 3,931 |
| Noninterest expense to average assets | 3.2371% | 2,775 |
| Loan and lease loss provision to assets | 0.2746% | 4,191 |
| Net operating income to assets | 0.3654% | 4,910 |
| Return on assets (ROA) | 0.3292% | 5,232 |
| Pretax return on assets | 0.4480% | 5,066 |
| Return on Equity (ROE) | 3.5594% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.5594% | 3,838 |
| Net charge-offs to loans | 0.3638% | 3,538 |
| Credit loss provision to net charge-offs | 105.9299% | 3,848 |
| Earnings coverage of net charge-offs (x) | 2.9784% | 3,510 |
| Efficiency ratio | 80.7391% | 2,338 |
| Assets per employee ($millions) | 3.6281% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 4,260 |
| Loan loss allowance to noncurrent loans | 42.3517% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 2.6114% | 2,768 |
| Noncurrent loans to loans | 3.3897% | 2,354 |
| Net loans and leases to total assets | 69.9935% | 2,896 |
| Net loans and leases to deposits | 89.9822% | 1,857 |
| Net loans and leases to core deposits | 94.3826% | 2,657 |
| Total domestic deposits to total assets | 77.7859% | 6,316 |
| Equity capital to assets | 9.4469% | 4,785 |
| Core capital (leverage) ratio | 8.9874% | 4,621 |
| Tier 1 risk-based capital ratio | 14.5235% | 3,433 |
| Total risk-based capital ratio | 15.7781% | 3,393 |
| Memoranda: | ||
| Average total assets | $286,183,330 | 2,287 |
| Average earning assets | $263,625,330 | 2,275 |
| Average equity | $26,465,330 | 2,455 |
| Average total loans | $203,963,330 | 2,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 4,712 |
| Cost of funding earning assets | 1.3995% | 4,175 |
| Net interest margin | 3.6645% | 4,416 |
| Noninterest income to average assets | 0.5185% | 3,908 |
| Noninterest expense to average assets | 3.1830% | 2,930 |
| Loan and lease loss provision to assets | 0.2015% | 4,483 |
| Net operating income to assets | 0.3854% | 4,904 |
| Return on assets (ROA) | 0.3114% | 5,376 |
| Pretax return on assets | 0.4128% | 5,249 |
| Return on Equity (ROE) | 3.4028% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.4028% | 4,118 |
| Net charge-offs to loans | -0.1382% | 7,587 |
| Credit loss provision to net charge-offs | -204.2254% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6982% | 2,315 |
| Assets per employee ($millions) | 3.6330% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,908 |
| Loan loss allowance to noncurrent loans | 36.0075% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 2.9950% | 2,393 |
| Noncurrent loans to loans | 4.1675% | 1,849 |
| Net loans and leases to total assets | 70.4166% | 2,823 |
| Net loans and leases to deposits | 91.4609% | 1,686 |
| Net loans and leases to core deposits | 95.7389% | 2,615 |
| Total domestic deposits to total assets | 76.9910% | 6,565 |
| Equity capital to assets | 9.2722% | 4,876 |
| Core capital (leverage) ratio | 8.9941% | 4,583 |
| Tier 1 risk-based capital ratio | 14.2523% | 3,511 |
| Total risk-based capital ratio | 15.5079% | 3,475 |
| Memoranda: | ||
| Average total assets | $287,779,000 | 2,331 |
| Average earning assets | $265,247,000 | 2,314 |
| Average equity | $26,331,000 | 2,481 |
| Average total loans | $205,464,500 | 2,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 3,817 |
| Cost of funding earning assets | 1.8682% | 3,627 |
| Net interest margin | 3.6918% | 4,180 |
| Noninterest income to average assets | 0.5323% | 4,160 |
| Noninterest expense to average assets | 3.1178% | 3,662 |
| Loan and lease loss provision to assets | 0.3211% | 4,890 |
| Net operating income to assets | 0.2966% | 4,546 |
| Return on assets (ROA) | 0.1846% | 5,016 |
| Pretax return on assets | 0.3034% | 4,747 |
| Return on Equity (ROE) | 2.2152% | 4,825 |
| Retained earnings to average equity (ytd only) | 2.2152% | 3,560 |
| Net charge-offs to loans | 0.0609% | 6,488 |
| Credit loss provision to net charge-offs | 729.4574% | 398 |
| Earnings coverage of net charge-offs (x) | 18.1628% | 1,145 |
| Efficiency ratio | 79.5906% | 2,942 |
| Assets per employee ($millions) | 3.8993% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,274 |
| Loan loss allowance to noncurrent loans | 47.8602% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 2.1047% | 3,264 |
| Noncurrent loans to loans | 2.9074% | 2,652 |
| Net loans and leases to total assets | 70.3121% | 3,181 |
| Net loans and leases to deposits | 92.5414% | 1,812 |
| Net loans and leases to core deposits | 106.7046% | 3,250 |
| Total domestic deposits to total assets | 75.9791% | 6,685 |
| Equity capital to assets | 9.0279% | 5,098 |
| Core capital (leverage) ratio | 8.8696% | 4,641 |
| Tier 1 risk-based capital ratio | 13.9389% | 3,539 |
| Total risk-based capital ratio | 15.1925% | 3,490 |
| Memoranda: | ||
| Average total assets | $293,059,000 | 2,260 |
| Average earning assets | $268,700,800 | 2,248 |
| Average equity | $24,422,200 | 2,669 |
| Average total loans | $211,950,400 | 2,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 3,591 |
| Cost of funding earning assets | 2.0016% | 3,347 |
| Net interest margin | 3.6454% | 4,299 |
| Noninterest income to average assets | 0.5275% | 4,258 |
| Noninterest expense to average assets | 3.1825% | 3,356 |
| Loan and lease loss provision to assets | 0.2697% | 4,806 |
| Net operating income to assets | 0.4451% | 4,215 |
| Return on assets (ROA) | 0.1405% | 5,418 |
| Pretax return on assets | 0.1088% | 5,505 |
| Return on Equity (ROE) | 1.7211% | 5,256 |
| Retained earnings to average equity (ytd only) | 1.7211% | 4,349 |
| Net charge-offs to loans | 0.0756% | 5,931 |
| Credit loss provision to net charge-offs | 491.7355% | 803 |
| Earnings coverage of net charge-offs (x) | 12.4545% | 1,759 |
| Efficiency ratio | 82.3309% | 2,535 |
| Assets per employee ($millions) | 3.9254% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,003 |
| Loan loss allowance to noncurrent loans | 68.8011% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 4,459 |
| Noncurrent loans to loans | 1.7738% | 3,956 |
| Net loans and leases to total assets | 71.3204% | 3,191 |
| Net loans and leases to deposits | 93.4558% | 1,974 |
| Net loans and leases to core deposits | 107.4314% | 3,541 |
| Total domestic deposits to total assets | 76.3146% | 6,524 |
| Equity capital to assets | 8.8134% | 5,762 |
| Core capital (leverage) ratio | 8.7275% | 5,080 |
| Tier 1 risk-based capital ratio | 13.5036% | 3,845 |
| Total risk-based capital ratio | 14.7549% | 3,780 |
| Memoranda: | ||
| Average total assets | $294,186,500 | 2,272 |
| Average earning assets | $269,376,750 | 2,265 |
| Average equity | $24,015,250 | 2,754 |
| Average total loans | $213,501,000 | 2,183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 3,624 |
| Cost of funding earning assets | 2.1852% | 2,860 |
| Net interest margin | 3.5013% | 4,795 |
| Noninterest income to average assets | 0.5136% | 4,324 |
| Noninterest expense to average assets | 3.0715% | 3,809 |
| Loan and lease loss provision to assets | 0.3667% | 3,730 |
| Net operating income to assets | 0.2569% | 5,061 |
| Return on assets (ROA) | -0.0425% | 5,978 |
| Pretax return on assets | -0.1914% | 6,113 |
| Return on Equity (ROE) | -0.5339% | 6,006 |
| Retained earnings to average equity (ytd only) | -0.5339% | 5,358 |
| Net charge-offs to loans | 0.0807% | 5,400 |
| Credit loss provision to net charge-offs | 625.2874% | 743 |
| Earnings coverage of net charge-offs (x) | 10.9655% | 1,946 |
| Efficiency ratio | 82.6892% | 2,641 |
| Assets per employee ($millions) | 3.9948% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 4,969 |
| Loan loss allowance to noncurrent loans | 51.3408% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6871% | 3,658 |
| Noncurrent loans to loans | 2.3318% | 3,101 |
| Net loans and leases to total assets | 70.9780% | 3,470 |
| Net loans and leases to deposits | 92.8542% | 2,307 |
| Net loans and leases to core deposits | 108.3919% | 3,565 |
| Total domestic deposits to total assets | 76.4403% | 6,455 |
| Equity capital to assets | 8.2910% | 6,343 |
| Core capital (leverage) ratio | 8.1839% | 6,004 |
| Tier 1 risk-based capital ratio | 12.9038% | 4,212 |
| Total risk-based capital ratio | 14.1545% | 4,126 |
| Memoranda: | ||
| Average total assets | $296,731,330 | 2,272 |
| Average earning assets | $271,273,670 | 2,274 |
| Average equity | $23,602,000 | 2,799 |
| Average total loans | $215,703,000 | 2,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7981% | 3,318 |
| Cost of funding earning assets | 2.1758% | 3,289 |
| Net interest margin | 3.6223% | 4,224 |
| Noninterest income to average assets | 0.4758% | 4,547 |
| Noninterest expense to average assets | 3.0178% | 3,685 |
| Loan and lease loss provision to assets | 0.0775% | 5,986 |
| Net operating income to assets | 0.5046% | 4,398 |
| Return on assets (ROA) | 0.3395% | 5,299 |
| Pretax return on assets | 0.4571% | 5,217 |
| Return on Equity (ROE) | 4.3579% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.3579% | 3,496 |
| Net charge-offs to loans | 0.1645% | 3,646 |
| Credit loss provision to net charge-offs | 64.4444% | 4,449 |
| Earnings coverage of net charge-offs (x) | 6.3000% | 2,516 |
| Efficiency ratio | 79.9292% | 2,834 |
| Assets per employee ($millions) | 4.1853% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,568 |
| Loan loss allowance to noncurrent loans | 45.9595% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 3,746 |
| Noncurrent loans to loans | 2.0393% | 3,214 |
| Net loans and leases to total assets | 70.8165% | 3,515 |
| Net loans and leases to deposits | 96.6013% | 1,856 |
| Net loans and leases to core deposits | 112.2530% | 3,194 |
| Total domestic deposits to total assets | 73.3080% | 7,002 |
| Equity capital to assets | 7.7254% | 7,154 |
| Core capital (leverage) ratio | 8.1746% | 6,151 |
| Tier 1 risk-based capital ratio | 12.3400% | 4,667 |
| Total risk-based capital ratio | 13.3687% | 4,760 |
| Memoranda: | ||
| Average total assets | $299,288,500 | 2,272 |
| Average earning assets | $272,641,000 | 2,276 |
| Average equity | $23,314,000 | 2,841 |
| Average total loans | $218,808,500 | 2,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0666% | 5,222 |
| Cost of funding earning assets | 2.5929% | 3,718 |
| Net interest margin | 3.4736% | 5,388 |
| Noninterest income to average assets | 0.5096% | 4,543 |
| Noninterest expense to average assets | 3.0773% | 3,794 |
| Loan and lease loss provision to assets | 0.0564% | 6,707 |
| Net operating income to assets | 0.3626% | 5,301 |
| Return on assets (ROA) | -0.8193% | 7,054 |
| Pretax return on assets | -1.2784% | 7,154 |
| Return on Equity (ROE) | -9.4599% | 7,239 |
| Retained earnings to average equity (ytd only) | -9.4599% | 7,025 |
| Net charge-offs to loans | -0.0091% | 7,842 |
| Credit loss provision to net charge-offs | -855.0000% | 7,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1254% | 2,163 |
| Assets per employee ($millions) | 3.9631% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,543 |
| Loan loss allowance to noncurrent loans | 49.5171% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 1.3935% | 3,407 |
| Noncurrent loans to loans | 1.8641% | 2,965 |
| Net loans and leases to total assets | 74.0650% | 3,086 |
| Net loans and leases to deposits | 102.4688% | 1,537 |
| Net loans and leases to core deposits | 119.1557% | 2,777 |
| Total domestic deposits to total assets | 72.2806% | 6,948 |
| Equity capital to assets | 7.8551% | 7,039 |
| Core capital (leverage) ratio | 8.1754% | 6,213 |
| Tier 1 risk-based capital ratio | 12.1727% | 4,689 |
| Total risk-based capital ratio | 13.2056% | 4,737 |
| Memoranda: | ||
| Average total assets | $303,186,000 | 2,186 |
| Average earning assets | $278,642,200 | 2,181 |
| Average equity | $26,258,200 | 2,531 |
| Average total loans | $220,293,200 | 2,124 |