Home > Cape Ann Savings Bank > Performance and Condition Ratios
Cape Ann Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 4,326 |
| Cost of funding earning assets | 1.4706% | 2,019 |
| Net interest margin | 2.1665% | 4,338 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.8345% | 3,946 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4220% | 3,821 |
| Return on assets (ROA) | 0.6229% | 3,364 |
| Pretax return on assets | 0.8065% | 3,199 |
| Return on Equity (ROE) | 3.2200% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,210 |
| Net charge-offs to loans | -0.0003% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6375% | 1,390 |
| Assets per employee ($millions) | 12.2347% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 3,777 |
| Loan loss allowance to noncurrent loans | 175.2537% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 1,558 |
| Noncurrent loans to loans | 0.5033% | 1,524 |
| Net loans and leases to total assets | 69.1400% | 1,905 |
| Net loans and leases to deposits | 90.5852% | 1,221 |
| Net loans and leases to core deposits | 112.7081% | 858 |
| Total domestic deposits to total assets | 76.3300% | 3,917 |
| Equity capital to assets | 19.2959% | 305 |
| Core capital (leverage) ratio | 20.4281% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2414% | 287 |
| Memoranda: | ||
| Average total assets | $923,884,600 | 1,061 |
| Average earning assets | $874,595,800 | 1,026 |
| Average equity | $178,489,200 | 593 |
| Average total loans | $636,123,600 | 1,047 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5541% | 4,346 |
| Cost of funding earning assets | 1.3507% | 2,001 |
| Net interest margin | 2.2034% | 4,352 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.7946% | 3,985 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6258% | 3,478 |
| Return on assets (ROA) | 0.1745% | 4,273 |
| Pretax return on assets | 0.1732% | 4,286 |
| Return on Equity (ROE) | 0.9000% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.9028% | 3,970 |
| Net charge-offs to loans | -0.0002% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.2377% | 1,540 |
| Assets per employee ($millions) | 11.6305% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 3,818 |
| Loan loss allowance to noncurrent loans | 175.5309% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,615 |
| Noncurrent loans to loans | 0.4975% | 1,571 |
| Net loans and leases to total assets | 70.4600% | 1,774 |
| Net loans and leases to deposits | 90.6489% | 1,185 |
| Net loans and leases to core deposits | 112.0011% | 797 |
| Total domestic deposits to total assets | 77.7300% | 3,851 |
| Equity capital to assets | 19.2418% | 305 |
| Core capital (leverage) ratio | 20.3177% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4208% | 289 |
| Memoranda: | ||
| Average total assets | $916,279,250 | 1,071 |
| Average earning assets | $866,707,500 | 1,036 |
| Average equity | $177,076,000 | 594 |
| Average total loans | $628,736,500 | 1,048 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 4,371 |
| Cost of funding earning assets | 1.2410% | 1,878 |
| Net interest margin | 2.2287% | 4,401 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8120% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5389% | 3,728 |
| Return on assets (ROA) | 0.4348% | 3,942 |
| Pretax return on assets | 0.5287% | 3,915 |
| Return on Equity (ROE) | 2.2500% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.2464% | 3,658 |
| Net charge-offs to loans | 0.0003% | 2,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3,001.0000% | 36 |
| Efficiency ratio | 72.6782% | 1,491 |
| Assets per employee ($millions) | 11.5361% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 3,880 |
| Loan loss allowance to noncurrent loans | 252.3098% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 2,014 |
| Noncurrent loans to loans | 0.3400% | 1,912 |
| Net loans and leases to total assets | 68.5700% | 1,902 |
| Net loans and leases to deposits | 88.8854% | 1,273 |
| Net loans and leases to core deposits | 109.4398% | 850 |
| Total domestic deposits to total assets | 77.1400% | 3,938 |
| Equity capital to assets | 19.5622% | 295 |
| Core capital (leverage) ratio | 20.6013% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9781% | 277 |
| Memoranda: | ||
| Average total assets | $915,436,667 | 1,063 |
| Average earning assets | $865,607,667 | 1,032 |
| Average equity | $177,169,667 | 583 |
| Average total loans | $620,623,333 | 1,051 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 4,342 |
| Cost of funding earning assets | 1.1416% | 1,624 |
| Net interest margin | 2.2906% | 4,454 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.8359% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6906% | 3,495 |
| Return on assets (ROA) | 0.0414% | 4,438 |
| Pretax return on assets | 0.0157% | 4,443 |
| Return on Equity (ROE) | 0.2200% | 4,436 |
| Retained earnings to average equity (ytd only) | 0.2152% | 3,986 |
| Net charge-offs to loans | -0.0039% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.6813% | 1,474 |
| Assets per employee ($millions) | 11.7788% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 3,912 |
| Loan loss allowance to noncurrent loans | 246.4269% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 1,908 |
| Noncurrent loans to loans | 0.3555% | 1,873 |
| Net loans and leases to total assets | 67.5300% | 1,896 |
| Net loans and leases to deposits | 87.8932% | 1,217 |
| Net loans and leases to core deposits | 107.1033% | 794 |
| Total domestic deposits to total assets | 76.8400% | 4,096 |
| Equity capital to assets | 19.5571% | 251 |
| Core capital (leverage) ratio | 20.3007% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1818% | 277 |
| Memoranda: | ||
| Average total assets | $917,481,000 | 1,076 |
| Average earning assets | $867,560,500 | 1,042 |
| Average equity | $176,614,500 | 599 |
| Average total loans | $615,793,500 | 1,068 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0884% | 4,010 |
| Cost of funding earning assets | 0.5190% | 1,274 |
| Net interest margin | 2.5694% | 4,209 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.8493% | 3,932 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7288% | 3,535 |
| Return on assets (ROA) | 0.2021% | 4,426 |
| Pretax return on assets | 0.2483% | 4,409 |
| Return on Equity (ROE) | 1.0200% | 4,485 |
| Retained earnings to average equity (ytd only) | 1.0175% | 4,193 |
| Net charge-offs to loans | -0.0011% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2339% | 2,330 |
| Assets per employee ($millions) | 11.9221% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 3,836 |
| Loan loss allowance to noncurrent loans | 257.0275% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 2,014 |
| Noncurrent loans to loans | 0.3432% | 1,916 |
| Net loans and leases to total assets | 65.4100% | 2,101 |
| Net loans and leases to deposits | 84.9565% | 1,392 |
| Net loans and leases to core deposits | 101.3267% | 932 |
| Total domestic deposits to total assets | 76.9900% | 4,175 |
| Equity capital to assets | 18.4356% | 278 |
| Core capital (leverage) ratio | 20.9874% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5144% | 272 |
| Memoranda: | ||
| Average total assets | $862,650,200 | 1,121 |
| Average earning assets | $813,720,600 | 1,092 |
| Average equity | $171,293,800 | 608 |
| Average total loans | $565,958,000 | 1,081 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0270% | 3,841 |
| Cost of funding earning assets | 0.4368% | 1,054 |
| Net interest margin | 2.5902% | 4,114 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.8736% | 3,809 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8781% | 2,972 |
| Return on assets (ROA) | -1.0047% | 4,698 |
| Pretax return on assets | -1.4423% | 4,704 |
| Return on Equity (ROE) | -4.9600% | 4,661 |
| Retained earnings to average equity (ytd only) | -4.9624% | 4,601 |
| Net charge-offs to loans | -0.0017% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2951% | 2,367 |
| Assets per employee ($millions) | 11.1488% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 3,930 |
| Loan loss allowance to noncurrent loans | 190.5405% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 1,701 |
| Noncurrent loans to loans | 0.4594% | 1,653 |
| Net loans and leases to total assets | 66.9600% | 1,792 |
| Net loans and leases to deposits | 86.0593% | 1,166 |
| Net loans and leases to core deposits | 95.2673% | 1,035 |
| Total domestic deposits to total assets | 77.8100% | 4,271 |
| Equity capital to assets | 18.9418% | 243 |
| Core capital (leverage) ratio | 20.5716% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4391% | 261 |
| Memoranda: | ||
| Average total assets | $845,831,500 | 1,146 |
| Average earning assets | $797,598,750 | 1,120 |
| Average equity | $171,258,000 | 613 |
| Average total loans | $554,032,250 | 1,093 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 3,703 |
| Cost of funding earning assets | 0.3780% | 1,061 |
| Net interest margin | 2.5589% | 3,980 |
| Noninterest income to average assets | 0.4092% | 2,697 |
| Noninterest expense to average assets | 1.8697% | 3,779 |
| Loan and lease loss provision to assets | 0.0152% | 2,327 |
| Net operating income to assets | 0.8587% | 2,738 |
| Return on assets (ROA) | -0.8125% | 4,694 |
| Pretax return on assets | -1.1749% | 4,710 |
| Return on Equity (ROE) | -3.9267% | 4,660 |
| Retained earnings to average equity (ytd only) | -3.9267% | 4,498 |
| Net charge-offs to loans | -0.0011% | 3,050 |
| Credit loss provision to net charge-offs | -2,133.3333% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4584% | 2,587 |
| Assets per employee ($millions) | 10.8088% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,002 |
| Loan loss allowance to noncurrent loans | 201.2520% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 1,827 |
| Noncurrent loans to loans | 0.4391% | 1,803 |
| Net loans and leases to total assets | 66.2925% | 1,658 |
| Net loans and leases to deposits | 86.5004% | 937 |
| Net loans and leases to core deposits | 95.9451% | 831 |
| Total domestic deposits to total assets | 76.6384% | 4,427 |
| Equity capital to assets | 20.0217% | 167 |
| Core capital (leverage) ratio | 21.3526% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4846% | 232 |
| Memoranda: | ||
| Average total assets | $841,622,000 | 1,147 |
| Average earning assets | $794,725,667 | 1,134 |
| Average equity | $174,141,333 | 606 |
| Average total loans | $545,405,667 | 1,099 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8521% | 3,641 |
| Cost of funding earning assets | 0.3733% | 1,035 |
| Net interest margin | 2.4788% | 3,942 |
| Noninterest income to average assets | 0.4077% | 2,634 |
| Noninterest expense to average assets | 1.8989% | 3,686 |
| Loan and lease loss provision to assets | 0.0081% | 2,170 |
| Net operating income to assets | 0.7089% | 3,026 |
| Return on assets (ROA) | -0.0366% | 4,543 |
| Pretax return on assets | -0.0994% | 4,570 |
| Return on Equity (ROE) | -0.1742% | 4,538 |
| Retained earnings to average equity (ytd only) | -0.1742% | 4,037 |
| Net charge-offs to loans | -0.0007% | 2,993 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2918% | 2,467 |
| Assets per employee ($millions) | 11.1898% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 3,994 |
| Loan loss allowance to noncurrent loans | 149.9240% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 1,531 |
| Noncurrent loans to loans | 0.6118% | 1,529 |
| Net loans and leases to total assets | 63.5060% | 1,689 |
| Net loans and leases to deposits | 83.8261% | 890 |
| Net loans and leases to core deposits | 91.6429% | 832 |
| Total domestic deposits to total assets | 75.7593% | 4,511 |
| Equity capital to assets | 20.7845% | 145 |
| Core capital (leverage) ratio | 21.7970% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0468% | 225 |
| Memoranda: | ||
| Average total assets | $840,890,000 | 1,148 |
| Average earning assets | $795,051,000 | 1,135 |
| Average equity | $176,812,000 | 612 |
| Average total loans | $536,165,500 | 1,107 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9557% | 3,948 |
| Cost of funding earning assets | 0.4976% | 943 |
| Net interest margin | 2.4581% | 4,245 |
| Noninterest income to average assets | 0.4368% | 2,875 |
| Noninterest expense to average assets | 2.3085% | 2,771 |
| Loan and lease loss provision to assets | 0.0512% | 2,036 |
| Net operating income to assets | 0.2087% | 4,525 |
| Return on assets (ROA) | 1.6951% | 661 |
| Pretax return on assets | 2.2856% | 352 |
| Return on Equity (ROE) | 8.0178% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.0178% | 1,535 |
| Net charge-offs to loans | 0.0010% | 2,645 |
| Credit loss provision to net charge-offs | 8,340.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 742.2000% | 196 |
| Efficiency ratio | 82.7164% | 633 |
| Assets per employee ($millions) | 11.0854% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,053 |
| Loan loss allowance to noncurrent loans | 172.5036% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 1,904 |
| Noncurrent loans to loans | 0.5247% | 1,818 |
| Net loans and leases to total assets | 62.8611% | 1,843 |
| Net loans and leases to deposits | 83.7334% | 923 |
| Net loans and leases to core deposits | 92.0289% | 878 |
| Total domestic deposits to total assets | 75.0729% | 4,553 |
| Equity capital to assets | 21.1602% | 150 |
| Core capital (leverage) ratio | 21.8807% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9963% | 238 |
| Memoranda: | ||
| Average total assets | $815,187,600 | 1,142 |
| Average earning assets | $771,704,200 | 1,126 |
| Average equity | $172,342,200 | 623 |
| Average total loans | $503,052,400 | 1,158 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9696% | 4,059 |
| Cost of funding earning assets | 0.4963% | 1,066 |
| Net interest margin | 2.4733% | 4,320 |
| Noninterest income to average assets | 0.4290% | 2,935 |
| Noninterest expense to average assets | 2.0499% | 3,524 |
| Loan and lease loss provision to assets | 0.0356% | 2,289 |
| Net operating income to assets | 0.4636% | 4,266 |
| Return on assets (ROA) | 1.2349% | 2,106 |
| Pretax return on assets | 1.6599% | 1,520 |
| Return on Equity (ROE) | 5.8425% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.8425% | 2,895 |
| Net charge-offs to loans | 0.0011% | 2,405 |
| Credit loss provision to net charge-offs | 5,400.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 1,090.2500% | 150 |
| Efficiency ratio | 73.2086% | 1,286 |
| Assets per employee ($millions) | 11.1203% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,203 |
| Loan loss allowance to noncurrent loans | 148.9560% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,953 |
| Noncurrent loans to loans | 0.5917% | 1,830 |
| Net loans and leases to total assets | 62.5257% | 1,941 |
| Net loans and leases to deposits | 82.4067% | 1,081 |
| Net loans and leases to core deposits | 90.7162% | 995 |
| Total domestic deposits to total assets | 75.8746% | 4,549 |
| Equity capital to assets | 20.7386% | 162 |
| Core capital (leverage) ratio | 21.7241% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1313% | 251 |
| Memoranda: | ||
| Average total assets | $808,362,500 | 1,154 |
| Average earning assets | $764,851,750 | 1,139 |
| Average equity | $170,859,750 | 638 |
| Average total loans | $495,207,000 | 1,193 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9624% | 4,112 |
| Cost of funding earning assets | 0.5111% | 1,138 |
| Net interest margin | 2.4513% | 4,368 |
| Noninterest income to average assets | 0.4341% | 2,937 |
| Noninterest expense to average assets | 2.0602% | 3,523 |
| Loan and lease loss provision to assets | 0.0540% | 1,955 |
| Net operating income to assets | 0.3683% | 4,441 |
| Return on assets (ROA) | 1.8337% | 695 |
| Pretax return on assets | 2.4953% | 359 |
| Return on Equity (ROE) | 8.6190% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.6190% | 1,846 |
| Net charge-offs to loans | -0.0012% | 3,114 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9561% | 1,247 |
| Assets per employee ($millions) | 10.6312% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,125 |
| Loan loss allowance to noncurrent loans | 113.6564% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 1,671 |
| Noncurrent loans to loans | 0.8023% | 1,526 |
| Net loans and leases to total assets | 61.6450% | 2,216 |
| Net loans and leases to deposits | 81.9704% | 1,225 |
| Net loans and leases to core deposits | 90.9667% | 1,067 |
| Total domestic deposits to total assets | 75.2040% | 4,605 |
| Equity capital to assets | 21.1570% | 151 |
| Core capital (leverage) ratio | 22.0233% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0408% | 135 |
| Memoranda: | ||
| Average total assets | $799,808,000 | 1,158 |
| Average earning assets | $757,147,333 | 1,140 |
| Average equity | $170,158,000 | 633 |
| Average total loans | $484,903,333 | 1,211 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9430% | 4,197 |
| Cost of funding earning assets | 0.5488% | 1,109 |
| Net interest margin | 2.3942% | 4,416 |
| Noninterest income to average assets | 0.4140% | 3,015 |
| Noninterest expense to average assets | 2.0668% | 3,517 |
| Loan and lease loss provision to assets | 0.0683% | 1,785 |
| Net operating income to assets | 0.2380% | 4,606 |
| Return on assets (ROA) | 2.2869% | 394 |
| Pretax return on assets | 3.1356% | 207 |
| Return on Equity (ROE) | 10.7186% | 2,450 |
| Retained earnings to average equity (ytd only) | 10.7186% | 1,469 |
| Net charge-offs to loans | -0.0008% | 3,038 |
| Credit loss provision to net charge-offs | -13,500.0000% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3516% | 1,102 |
| Assets per employee ($millions) | 10.6011% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 4,008 |
| Loan loss allowance to noncurrent loans | 108.4919% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 1,815 |
| Noncurrent loans to loans | 0.8796% | 1,535 |
| Net loans and leases to total assets | 58.7589% | 2,712 |
| Net loans and leases to deposits | 77.8212% | 1,738 |
| Net loans and leases to core deposits | 86.4395% | 1,492 |
| Total domestic deposits to total assets | 75.5050% | 4,608 |
| Equity capital to assets | 21.0962% | 148 |
| Core capital (leverage) ratio | 22.5574% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6918% | 135 |
| Memoranda: | ||
| Average total assets | $790,412,000 | 1,159 |
| Average earning assets | $747,133,500 | 1,144 |
| Average equity | $168,641,500 | 635 |
| Average total loans | $472,720,000 | 1,240 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 4,163 |
| Cost of funding earning assets | 0.8716% | 942 |
| Net interest margin | 2.5539% | 4,538 |
| Noninterest income to average assets | 0.4364% | 2,929 |
| Noninterest expense to average assets | 2.0476% | 4,044 |
| Loan and lease loss provision to assets | 0.0830% | 3,340 |
| Net operating income to assets | 0.5245% | 3,974 |
| Return on assets (ROA) | 0.8302% | 3,106 |
| Pretax return on assets | 1.0881% | 2,746 |
| Return on Equity (ROE) | 3.7348% | 4,217 |
| Retained earnings to average equity (ytd only) | 3.7348% | 2,965 |
| Net charge-offs to loans | 0.0069% | 3,095 |
| Credit loss provision to net charge-offs | 1,938.7097% | 451 |
| Earnings coverage of net charge-offs (x) | 183.0645% | 499 |
| Efficiency ratio | 71.4146% | 1,757 |
| Assets per employee ($millions) | 10.1949% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,139 |
| Loan loss allowance to noncurrent loans | 90.4953% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 1,723 |
| Noncurrent loans to loans | 1.0150% | 1,397 |
| Net loans and leases to total assets | 59.7793% | 2,891 |
| Net loans and leases to deposits | 79.9016% | 1,874 |
| Net loans and leases to core deposits | 89.6766% | 1,554 |
| Total domestic deposits to total assets | 74.8161% | 4,584 |
| Equity capital to assets | 21.6814% | 147 |
| Core capital (leverage) ratio | 22.8282% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7050% | 135 |
| Memoranda: | ||
| Average total assets | $723,676,600 | 1,145 |
| Average earning assets | $678,760,600 | 1,134 |
| Average equity | $160,866,400 | 634 |
| Average total loans | $449,971,200 | 1,226 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,164 |
| Cost of funding earning assets | 0.8871% | 1,109 |
| Net interest margin | 2.6366% | 4,541 |
| Noninterest income to average assets | 0.4308% | 2,933 |
| Noninterest expense to average assets | 1.9961% | 4,154 |
| Loan and lease loss provision to assets | 0.1070% | 2,981 |
| Net operating income to assets | 0.7986% | 3,097 |
| Return on assets (ROA) | 0.1660% | 4,674 |
| Pretax return on assets | 0.1639% | 4,687 |
| Return on Equity (ROE) | 0.7417% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.7417% | 4,324 |
| Net charge-offs to loans | 0.0045% | 2,991 |
| Credit loss provision to net charge-offs | 3,806.6667% | 280 |
| Earnings coverage of net charge-offs (x) | 321.2000% | 338 |
| Efficiency ratio | 67.9516% | 2,199 |
| Assets per employee ($millions) | 10.1058% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,951 |
| Loan loss allowance to noncurrent loans | 96.8764% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 1,961 |
| Noncurrent loans to loans | 0.9659% | 1,557 |
| Net loans and leases to total assets | 60.5941% | 3,152 |
| Net loans and leases to deposits | 81.2204% | 2,178 |
| Net loans and leases to core deposits | 92.3402% | 1,765 |
| Total domestic deposits to total assets | 74.6045% | 4,536 |
| Equity capital to assets | 21.8153% | 151 |
| Core capital (leverage) ratio | 22.2191% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5035% | 140 |
| Memoranda: | ||
| Average total assets | $710,893,250 | 1,148 |
| Average earning assets | $665,691,000 | 1,136 |
| Average equity | $159,085,500 | 632 |
| Average total loans | $445,596,500 | 1,230 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,250 |
| Cost of funding earning assets | 0.9340% | 1,221 |
| Net interest margin | 2.6744% | 4,580 |
| Noninterest income to average assets | 0.4372% | 2,873 |
| Noninterest expense to average assets | 2.0132% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8516% | 2,863 |
| Return on assets (ROA) | -0.6860% | 4,932 |
| Pretax return on assets | -1.0252% | 4,950 |
| Return on Equity (ROE) | -3.0380% | 4,894 |
| Retained earnings to average equity (ytd only) | -3.0380% | 4,659 |
| Net charge-offs to loans | 0.0091% | 2,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 160.8500% | 512 |
| Efficiency ratio | 67.7139% | 2,279 |
| Assets per employee ($millions) | 9.6963% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 4,320 |
| Loan loss allowance to noncurrent loans | 77.6032% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 1,858 |
| Noncurrent loans to loans | 1.0447% | 1,495 |
| Net loans and leases to total assets | 62.3156% | 3,094 |
| Net loans and leases to deposits | 83.9473% | 2,003 |
| Net loans and leases to core deposits | 97.2831% | 1,476 |
| Total domestic deposits to total assets | 74.2318% | 4,578 |
| Equity capital to assets | 22.0040% | 146 |
| Core capital (leverage) ratio | 23.1759% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8016% | 142 |
| Memoranda: | ||
| Average total assets | $698,581,333 | 1,148 |
| Average earning assets | $652,263,333 | 1,137 |
| Average equity | $157,733,667 | 635 |
| Average total loans | $441,655,333 | 1,227 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,366 |
| Cost of funding earning assets | 0.9709% | 1,559 |
| Net interest margin | 2.7442% | 4,622 |
| Noninterest income to average assets | 0.4440% | 2,824 |
| Noninterest expense to average assets | 2.1452% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7056% | 3,254 |
| Return on assets (ROA) | -6.0810% | 5,095 |
| Pretax return on assets | -7.7307% | 5,097 |
| Return on Equity (ROE) | -26.6371% | 5,077 |
| Retained earnings to average equity (ytd only) | -26.6371% | 5,024 |
| Net charge-offs to loans | 0.0203% | 1,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 66.8182% | 749 |
| Efficiency ratio | 70.5081% | 2,278 |
| Assets per employee ($millions) | 8.3455% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 4,280 |
| Loan loss allowance to noncurrent loans | 71.4396% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 1,785 |
| Noncurrent loans to loans | 1.1876% | 1,379 |
| Net loans and leases to total assets | 63.2229% | 3,164 |
| Net loans and leases to deposits | 85.5372% | 2,053 |
| Net loans and leases to core deposits | 100.3900% | 1,442 |
| Total domestic deposits to total assets | 73.9127% | 4,668 |
| Equity capital to assets | 22.2187% | 167 |
| Core capital (leverage) ratio | 22.8859% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4718% | 152 |
| Memoranda: | ||
| Average total assets | $683,768,000 | 1,139 |
| Average earning assets | $638,142,000 | 1,131 |
| Average equity | $156,098,000 | 639 |
| Average total loans | $434,045,000 | 1,215 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 4,699 |
| Cost of funding earning assets | 0.9610% | 1,901 |
| Net interest margin | 2.7168% | 4,829 |
| Noninterest income to average assets | 0.4717% | 2,891 |
| Noninterest expense to average assets | 2.1133% | 4,335 |
| Loan and lease loss provision to assets | 0.0089% | 3,830 |
| Net operating income to assets | 0.5832% | 4,214 |
| Return on assets (ROA) | 1.9055% | 443 |
| Pretax return on assets | 2.5784% | 182 |
| Return on Equity (ROE) | 8.1619% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.1619% | 926 |
| Net charge-offs to loans | -0.0005% | 4,146 |
| Credit loss provision to net charge-offs | -2,950.0000% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9051% | 2,326 |
| Assets per employee ($millions) | 8.7557% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 4,291 |
| Loan loss allowance to noncurrent loans | 67.4179% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 1,721 |
| Noncurrent loans to loans | 1.1922% | 1,265 |
| Net loans and leases to total assets | 62.7080% | 3,337 |
| Net loans and leases to deposits | 86.1942% | 2,065 |
| Net loans and leases to core deposits | 100.3769% | 1,534 |
| Total domestic deposits to total assets | 72.7520% | 4,838 |
| Equity capital to assets | 23.5409% | 147 |
| Core capital (leverage) ratio | 24.3540% | 133 |
| Tier 1 risk-based capital ratio | 39.8639% | 243 |
| Total risk-based capital ratio | 40.7121% | 247 |
| Memoranda: | ||
| Average total assets | $661,719,200 | 1,132 |
| Average earning assets | $622,353,600 | 1,108 |
| Average equity | $154,486,800 | 607 |
| Average total loans | $420,288,000 | 1,216 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,782 |
| Cost of funding earning assets | 0.8878% | 2,283 |
| Net interest margin | 2.8108% | 4,848 |
| Noninterest income to average assets | 0.4712% | 2,898 |
| Noninterest expense to average assets | 2.0718% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6999% | 4,017 |
| Return on assets (ROA) | 1.7688% | 685 |
| Pretax return on assets | 2.3927% | 309 |
| Return on Equity (ROE) | 7.5927% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.5927% | 1,579 |
| Net charge-offs to loans | -0.0003% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6897% | 2,770 |
| Assets per employee ($millions) | 9.1423% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,418 |
| Loan loss allowance to noncurrent loans | 64.9648% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 1,776 |
| Noncurrent loans to loans | 1.2257% | 1,274 |
| Net loans and leases to total assets | 62.7945% | 3,410 |
| Net loans and leases to deposits | 85.8634% | 2,209 |
| Net loans and leases to core deposits | 99.8907% | 1,658 |
| Total domestic deposits to total assets | 73.1330% | 4,859 |
| Equity capital to assets | 23.2176% | 156 |
| Core capital (leverage) ratio | 24.1772% | 136 |
| Tier 1 risk-based capital ratio | 39.5448% | 252 |
| Total risk-based capital ratio | 40.3922% | 257 |
| Memoranda: | ||
| Average total assets | $656,412,000 | 1,139 |
| Average earning assets | $616,612,000 | 1,116 |
| Average equity | $152,915,500 | 610 |
| Average total loans | $417,426,750 | 1,232 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,830 |
| Cost of funding earning assets | 0.8367% | 2,466 |
| Net interest margin | 2.8639% | 4,858 |
| Noninterest income to average assets | 0.4781% | 2,799 |
| Noninterest expense to average assets | 2.0933% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6658% | 4,112 |
| Return on assets (ROA) | 2.3564% | 197 |
| Pretax return on assets | 3.2107% | 99 |
| Return on Equity (ROE) | 10.1037% | 2,342 |
| Retained earnings to average equity (ytd only) | 10.1037% | 723 |
| Net charge-offs to loans | -0.0005% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2656% | 2,930 |
| Assets per employee ($millions) | 9.0358% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,362 |
| Loan loss allowance to noncurrent loans | 64.5289% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 1,669 |
| Noncurrent loans to loans | 1.2720% | 1,242 |
| Net loans and leases to total assets | 62.4833% | 3,495 |
| Net loans and leases to deposits | 85.9965% | 2,255 |
| Net loans and leases to core deposits | 98.8841% | 1,815 |
| Total domestic deposits to total assets | 72.6579% | 4,929 |
| Equity capital to assets | 23.5874% | 147 |
| Core capital (leverage) ratio | 24.5593% | 124 |
| Tier 1 risk-based capital ratio | 40.0169% | 232 |
| Total risk-based capital ratio | 40.8806% | 234 |
| Memoranda: | ||
| Average total assets | $649,706,330 | 1,148 |
| Average earning assets | $609,313,670 | 1,125 |
| Average equity | $151,529,330 | 613 |
| Average total loans | $413,824,670 | 1,242 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,871 |
| Cost of funding earning assets | 0.7916% | 2,586 |
| Net interest margin | 2.8922% | 4,886 |
| Noninterest income to average assets | 0.4672% | 2,751 |
| Noninterest expense to average assets | 2.1565% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5469% | 4,389 |
| Return on assets (ROA) | 3.1038% | 86 |
| Pretax return on assets | 4.2584% | 65 |
| Return on Equity (ROE) | 13.3858% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.3858% | 414 |
| Net charge-offs to loans | -0.0010% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9725% | 2,800 |
| Assets per employee ($millions) | 9.0199% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 4,440 |
| Loan loss allowance to noncurrent loans | 64.6078% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 1,680 |
| Noncurrent loans to loans | 1.2778% | 1,288 |
| Net loans and leases to total assets | 62.2110% | 3,482 |
| Net loans and leases to deposits | 84.6706% | 2,303 |
| Net loans and leases to core deposits | 95.3260% | 1,993 |
| Total domestic deposits to total assets | 73.4742% | 4,969 |
| Equity capital to assets | 23.1174% | 143 |
| Core capital (leverage) ratio | 24.7069% | 116 |
| Tier 1 risk-based capital ratio | 39.9110% | 240 |
| Total risk-based capital ratio | 40.7871% | 237 |
| Memoranda: | ||
| Average total assets | $644,754,500 | 1,159 |
| Average earning assets | $604,377,000 | 1,136 |
| Average equity | $149,501,500 | 617 |
| Average total loans | $412,958,500 | 1,252 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,804 |
| Cost of funding earning assets | 0.7861% | 1,603 |
| Net interest margin | 2.8096% | 5,014 |
| Noninterest income to average assets | 0.5083% | 2,786 |
| Noninterest expense to average assets | 2.1397% | 4,472 |
| Loan and lease loss provision to assets | 0.0628% | 2,903 |
| Net operating income to assets | 0.6643% | 4,247 |
| Return on assets (ROA) | 1.2377% | 2,012 |
| Pretax return on assets | 1.6415% | 1,336 |
| Return on Equity (ROE) | 5.0342% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.0342% | 2,747 |
| Net charge-offs to loans | 0.0020% | 3,676 |
| Credit loss provision to net charge-offs | 4,850.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 756.0000% | 147 |
| Efficiency ratio | 67.6732% | 2,604 |
| Assets per employee ($millions) | 8.6438% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 4,447 |
| Loan loss allowance to noncurrent loans | 69.2042% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7807% | 1,789 |
| Noncurrent loans to loans | 1.1931% | 1,342 |
| Net loans and leases to total assets | 64.8922% | 3,265 |
| Net loans and leases to deposits | 88.7881% | 1,949 |
| Net loans and leases to core deposits | 100.0948% | 1,712 |
| Total domestic deposits to total assets | 73.0866% | 5,001 |
| Equity capital to assets | 24.3757% | 117 |
| Core capital (leverage) ratio | 20.0913% | 228 |
| Tier 1 risk-based capital ratio | 30.7550% | 440 |
| Total risk-based capital ratio | 37.1758% | 295 |
| Memoranda: | ||
| Average total assets | $618,167,600 | 1,169 |
| Average earning assets | $574,200,200 | 1,172 |
| Average equity | $151,980,000 | 563 |
| Average total loans | $396,906,400 | 1,265 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5420% | 4,892 |
| Cost of funding earning assets | 0.6838% | 1,954 |
| Net interest margin | 2.8582% | 5,027 |
| Noninterest income to average assets | 0.5093% | 2,812 |
| Noninterest expense to average assets | 2.0762% | 4,597 |
| Loan and lease loss provision to assets | 0.0497% | 2,999 |
| Net operating income to assets | 0.7276% | 4,144 |
| Return on assets (ROA) | 1.4541% | 1,312 |
| Pretax return on assets | 1.9539% | 720 |
| Return on Equity (ROE) | 5.9017% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.9017% | 2,705 |
| Net charge-offs to loans | 0.0044% | 3,294 |
| Credit loss provision to net charge-offs | 1,761.5385% | 240 |
| Earnings coverage of net charge-offs (x) | 384.6030% | 248 |
| Efficiency ratio | 64.7616% | 3,062 |
| Assets per employee ($millions) | 8.6919% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 4,640 |
| Loan loss allowance to noncurrent loans | 51.8862% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 1,458 |
| Noncurrent loans to loans | 1.5306% | 1,052 |
| Net loans and leases to total assets | 64.7942% | 3,331 |
| Net loans and leases to deposits | 89.3280% | 1,979 |
| Net loans and leases to core deposits | 100.3830% | 1,754 |
| Total domestic deposits to total assets | 72.5352% | 5,092 |
| Equity capital to assets | 25.0918% | 112 |
| Core capital (leverage) ratio | 20.4347% | 219 |
| Tier 1 risk-based capital ratio | 29.8506% | 484 |
| Total risk-based capital ratio | 36.8486% | 309 |
| Memoranda: | ||
| Average total assets | $614,961,000 | 1,179 |
| Average earning assets | $570,320,750 | 1,180 |
| Average equity | $151,522,750 | 561 |
| Average total loans | $392,914,250 | 1,280 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 4,915 |
| Cost of funding earning assets | 0.6590% | 1,875 |
| Net interest margin | 2.8451% | 5,078 |
| Noninterest income to average assets | 0.5395% | 2,638 |
| Noninterest expense to average assets | 2.1068% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7090% | 4,168 |
| Return on assets (ROA) | 1.8536% | 520 |
| Pretax return on assets | 2.5102% | 224 |
| Return on Equity (ROE) | 7.5704% | 3,692 |
| Retained earnings to average equity (ytd only) | 7.5704% | 1,811 |
| Net charge-offs to loans | -0.0031% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5514% | 3,053 |
| Assets per employee ($millions) | 8.0520% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7602% | 4,807 |
| Loan loss allowance to noncurrent loans | 51.6766% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 1,549 |
| Noncurrent loans to loans | 1.4711% | 1,146 |
| Net loans and leases to total assets | 65.6281% | 3,200 |
| Net loans and leases to deposits | 90.5100% | 1,780 |
| Net loans and leases to core deposits | 101.3964% | 1,614 |
| Total domestic deposits to total assets | 72.5093% | 5,144 |
| Equity capital to assets | 25.1809% | 110 |
| Core capital (leverage) ratio | 20.3746% | 211 |
| Tier 1 risk-based capital ratio | 29.9938% | 477 |
| Total risk-based capital ratio | 36.3853% | 325 |
| Memoranda: | ||
| Average total assets | $611,343,000 | 1,190 |
| Average earning assets | $564,837,330 | 1,192 |
| Average equity | $149,687,670 | 562 |
| Average total loans | $387,639,670 | 1,292 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 4,976 |
| Cost of funding earning assets | 0.6540% | 1,701 |
| Net interest margin | 2.7751% | 5,184 |
| Noninterest income to average assets | 0.5001% | 2,799 |
| Noninterest expense to average assets | 2.1539% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6562% | 4,257 |
| Return on assets (ROA) | 1.2018% | 2,008 |
| Pretax return on assets | 1.5868% | 1,426 |
| Return on Equity (ROE) | 4.9778% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.9778% | 3,185 |
| Net charge-offs to loans | -0.0042% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6588% | 2,537 |
| Assets per employee ($millions) | 8.1953% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,826 |
| Loan loss allowance to noncurrent loans | 47.5549% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 1,516 |
| Noncurrent loans to loans | 1.6487% | 1,046 |
| Net loans and leases to total assets | 62.4626% | 3,490 |
| Net loans and leases to deposits | 85.4900% | 2,232 |
| Net loans and leases to core deposits | 95.7028% | 1,998 |
| Total domestic deposits to total assets | 73.0642% | 5,218 |
| Equity capital to assets | 24.5982% | 109 |
| Core capital (leverage) ratio | 19.6870% | 226 |
| Tier 1 risk-based capital ratio | 29.2028% | 506 |
| Total risk-based capital ratio | 35.9765% | 329 |
| Memoranda: | ||
| Average total assets | $615,065,500 | 1,193 |
| Average earning assets | $565,167,000 | 1,198 |
| Average equity | $148,498,000 | 566 |
| Average total loans | $381,778,000 | 1,314 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 5,056 |
| Cost of funding earning assets | 0.6970% | 1,041 |
| Net interest margin | 2.6261% | 5,334 |
| Noninterest income to average assets | 0.5023% | 2,983 |
| Noninterest expense to average assets | 2.0877% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4542% | 897 |
| Return on assets (ROA) | 1.5002% | 821 |
| Pretax return on assets | 0.8727% | 4,005 |
| Return on Equity (ROE) | 6.5432% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.5432% | 1,261 |
| Net charge-offs to loans | 0.0008% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,657.0000% | 40 |
| Efficiency ratio | 70.5923% | 2,457 |
| Assets per employee ($millions) | 8.3169% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,812 |
| Loan loss allowance to noncurrent loans | 40.9183% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 1,230 |
| Noncurrent loans to loans | 1.9663% | 780 |
| Net loans and leases to total assets | 60.6982% | 3,767 |
| Net loans and leases to deposits | 83.6667% | 2,531 |
| Net loans and leases to core deposits | 94.0001% | 2,195 |
| Total domestic deposits to total assets | 72.5476% | 5,292 |
| Equity capital to assets | 23.8657% | 119 |
| Core capital (leverage) ratio | 20.5170% | 188 |
| Tier 1 risk-based capital ratio | 30.2119% | 454 |
| Total risk-based capital ratio | 37.4668% | 288 |
| Memoranda: | ||
| Average total assets | $601,381,800 | 1,191 |
| Average earning assets | $552,342,400 | 1,204 |
| Average equity | $137,882,800 | 595 |
| Average total loans | $368,339,600 | 1,317 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 5,121 |
| Cost of funding earning assets | 0.6475% | 1,255 |
| Net interest margin | 2.6442% | 5,374 |
| Noninterest income to average assets | 0.4969% | 3,042 |
| Noninterest expense to average assets | 2.0336% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6303% | 4,274 |
| Return on assets (ROA) | 0.6325% | 4,320 |
| Pretax return on assets | 0.8987% | 4,047 |
| Return on Equity (ROE) | 2.7878% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.7878% | 4,244 |
| Net charge-offs to loans | 0.0015% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,004.6023% | 99 |
| Efficiency ratio | 68.3822% | 2,803 |
| Assets per employee ($millions) | 7.9428% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,874 |
| Loan loss allowance to noncurrent loans | 37.9574% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3220% | 1,214 |
| Noncurrent loans to loans | 2.1260% | 774 |
| Net loans and leases to total assets | 61.6800% | 3,686 |
| Net loans and leases to deposits | 84.6698% | 2,473 |
| Net loans and leases to core deposits | 95.2034% | 2,153 |
| Total domestic deposits to total assets | 72.8477% | 5,326 |
| Equity capital to assets | 22.9608% | 131 |
| Core capital (leverage) ratio | 19.8754% | 212 |
| Tier 1 risk-based capital ratio | 28.9243% | 521 |
| Total risk-based capital ratio | 35.8266% | 328 |
| Memoranda: | ||
| Average total assets | $597,865,500 | 1,203 |
| Average earning assets | $549,979,500 | 1,215 |
| Average equity | $135,633,250 | 606 |
| Average total loans | $366,275,750 | 1,335 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,166 |
| Cost of funding earning assets | 0.6435% | 1,184 |
| Net interest margin | 2.6171% | 5,423 |
| Noninterest income to average assets | 0.4816% | 3,140 |
| Noninterest expense to average assets | 2.0707% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5806% | 4,386 |
| Return on assets (ROA) | 0.5840% | 4,427 |
| Pretax return on assets | 0.8206% | 4,198 |
| Return on Equity (ROE) | 2.5846% | 5,222 |
| Retained earnings to average equity (ytd only) | 2.5846% | 4,147 |
| Net charge-offs to loans | 0.0022% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 607.7500% | 129 |
| Efficiency ratio | 70.6662% | 2,564 |
| Assets per employee ($millions) | 7.9455% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 4,886 |
| Loan loss allowance to noncurrent loans | 45.3919% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 1,550 |
| Noncurrent loans to loans | 1.8141% | 992 |
| Net loans and leases to total assets | 61.2198% | 3,719 |
| Net loans and leases to deposits | 83.5669% | 2,538 |
| Net loans and leases to core deposits | 93.7570% | 2,174 |
| Total domestic deposits to total assets | 73.2584% | 5,363 |
| Equity capital to assets | 22.8172% | 130 |
| Core capital (leverage) ratio | 19.7385% | 211 |
| Tier 1 risk-based capital ratio | 28.7215% | 511 |
| Total risk-based capital ratio | 35.3398% | 321 |
| Memoranda: | ||
| Average total assets | $595,937,000 | 1,210 |
| Average earning assets | $547,628,330 | 1,220 |
| Average equity | $134,643,330 | 610 |
| Average total loans | $363,247,330 | 1,344 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 5,260 |
| Cost of funding earning assets | 0.6382% | 1,145 |
| Net interest margin | 2.5527% | 5,503 |
| Noninterest income to average assets | 0.4893% | 3,051 |
| Noninterest expense to average assets | 2.0834% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5289% | 4,470 |
| Return on assets (ROA) | 0.5289% | 4,512 |
| Pretax return on assets | 0.7497% | 4,289 |
| Return on Equity (ROE) | 2.3526% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.3526% | 4,200 |
| Net charge-offs to loans | -0.0033% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4710% | 2,494 |
| Assets per employee ($millions) | 8.1453% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 4,956 |
| Loan loss allowance to noncurrent loans | 28.5741% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 799 |
| Noncurrent loans to loans | 2.9395% | 477 |
| Net loans and leases to total assets | 60.2778% | 3,758 |
| Net loans and leases to deposits | 82.1967% | 2,480 |
| Net loans and leases to core deposits | 92.8984% | 2,078 |
| Total domestic deposits to total assets | 73.3336% | 5,466 |
| Equity capital to assets | 22.6994% | 135 |
| Core capital (leverage) ratio | 19.6515% | 209 |
| Tier 1 risk-based capital ratio | 29.2653% | 508 |
| Total risk-based capital ratio | 36.0644% | 324 |
| Memoranda: | ||
| Average total assets | $595,948,000 | 1,213 |
| Average earning assets | $547,176,000 | 1,216 |
| Average equity | $133,979,500 | 607 |
| Average total loans | $360,947,500 | 1,359 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 5,286 |
| Cost of funding earning assets | 0.6716% | 944 |
| Net interest margin | 2.5385% | 5,560 |
| Noninterest income to average assets | 0.4964% | 3,265 |
| Noninterest expense to average assets | 2.1392% | 4,916 |
| Loan and lease loss provision to assets | 0.0356% | 3,653 |
| Net operating income to assets | 0.4825% | 4,701 |
| Return on assets (ROA) | 0.4868% | 4,759 |
| Pretax return on assets | 0.6538% | 4,643 |
| Return on Equity (ROE) | 2.1606% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.1606% | 4,303 |
| Net charge-offs to loans | -0.0023% | 4,714 |
| Credit loss provision to net charge-offs | -2,562.5000% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6522% | 2,191 |
| Assets per employee ($millions) | 8.7826% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,981 |
| Loan loss allowance to noncurrent loans | 32.9602% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.6006% | 996 |
| Noncurrent loans to loans | 2.5530% | 609 |
| Net loans and leases to total assets | 59.8459% | 3,872 |
| Net loans and leases to deposits | 81.1948% | 2,763 |
| Net loans and leases to core deposits | 90.9042% | 2,416 |
| Total domestic deposits to total assets | 73.7066% | 5,461 |
| Equity capital to assets | 22.1899% | 145 |
| Core capital (leverage) ratio | 19.2830% | 215 |
| Tier 1 risk-based capital ratio | 29.4748% | 497 |
| Total risk-based capital ratio | 36.1279% | 319 |
| Memoranda: | ||
| Average total assets | $575,547,800 | 1,213 |
| Average earning assets | $527,435,200 | 1,213 |
| Average equity | $129,684,400 | 619 |
| Average total loans | $352,555,200 | 1,331 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 5,334 |
| Cost of funding earning assets | 0.6409% | 1,091 |
| Net interest margin | 2.5789% | 5,602 |
| Noninterest income to average assets | 0.5234% | 3,090 |
| Noninterest expense to average assets | 2.1297% | 4,941 |
| Loan and lease loss provision to assets | 0.0479% | 3,290 |
| Net operating income to assets | 0.5179% | 4,632 |
| Return on assets (ROA) | 0.5189% | 4,728 |
| Pretax return on assets | 0.7091% | 4,587 |
| Return on Equity (ROE) | 2.2939% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.2939% | 4,549 |
| Net charge-offs to loans | -0.0030% | 4,528 |
| Credit loss provision to net charge-offs | -2,562.5000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6941% | 2,472 |
| Assets per employee ($millions) | 8.3442% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 5,047 |
| Loan loss allowance to noncurrent loans | 34.7184% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 1,226 |
| Noncurrent loans to loans | 2.4429% | 732 |
| Net loans and leases to total assets | 59.8503% | 3,893 |
| Net loans and leases to deposits | 81.0011% | 2,851 |
| Net loans and leases to core deposits | 90.9148% | 2,486 |
| Total domestic deposits to total assets | 73.8882% | 5,447 |
| Equity capital to assets | 22.1346% | 159 |
| Core capital (leverage) ratio | 19.4240% | 216 |
| Tier 1 risk-based capital ratio | 28.9957% | 524 |
| Total risk-based capital ratio | 35.4136% | 350 |
| Memoranda: | ||
| Average total assets | $570,131,250 | 1,225 |
| Average earning assets | $522,176,750 | 1,227 |
| Average equity | $128,975,250 | 624 |
| Average total loans | $350,583,750 | 1,332 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 5,398 |
| Cost of funding earning assets | 0.6433% | 1,081 |
| Net interest margin | 2.5822% | 5,683 |
| Noninterest income to average assets | 0.5584% | 2,858 |
| Noninterest expense to average assets | 2.1895% | 4,866 |
| Loan and lease loss provision to assets | 0.0729% | 2,679 |
| Net operating income to assets | 0.4912% | 4,711 |
| Return on assets (ROA) | 0.4923% | 4,809 |
| Pretax return on assets | 0.6629% | 4,736 |
| Return on Equity (ROE) | 2.1597% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.1597% | 4,488 |
| Net charge-offs to loans | -0.0034% | 4,456 |
| Credit loss provision to net charge-offs | -3,416.6667% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7540% | 2,394 |
| Assets per employee ($millions) | 7.4788% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 5,133 |
| Loan loss allowance to noncurrent loans | 38.8989% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 1,475 |
| Noncurrent loans to loans | 2.1806% | 868 |
| Net loans and leases to total assets | 61.5254% | 3,683 |
| Net loans and leases to deposits | 83.7315% | 2,498 |
| Net loans and leases to core deposits | 93.3081% | 2,229 |
| Total domestic deposits to total assets | 73.4793% | 5,569 |
| Equity capital to assets | 22.6283% | 140 |
| Core capital (leverage) ratio | 19.8230% | 202 |
| Tier 1 risk-based capital ratio | 29.1100% | 537 |
| Total risk-based capital ratio | 35.6083% | 344 |
| Memoranda: | ||
| Average total assets | $562,695,670 | 1,246 |
| Average earning assets | $515,449,670 | 1,247 |
| Average equity | $128,255,670 | 629 |
| Average total loans | $348,242,000 | 1,341 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2106% | 5,471 |
| Cost of funding earning assets | 0.6439% | 1,088 |
| Net interest margin | 2.5668% | 5,750 |
| Noninterest income to average assets | 0.4683% | 3,350 |
| Noninterest expense to average assets | 2.2420% | 4,799 |
| Loan and lease loss provision to assets | 0.0180% | 3,457 |
| Net operating income to assets | 0.4406% | 4,858 |
| Return on assets (ROA) | 0.4366% | 4,955 |
| Pretax return on assets | 0.5546% | 4,945 |
| Return on Equity (ROE) | 1.9084% | 5,518 |
| Retained earnings to average equity (ytd only) | 1.9084% | 4,494 |
| Net charge-offs to loans | -0.0058% | 4,341 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3418% | 1,847 |
| Assets per employee ($millions) | 7.5261% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 5,295 |
| Loan loss allowance to noncurrent loans | 30.7245% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7584% | 1,071 |
| Noncurrent loans to loans | 2.6856% | 663 |
| Net loans and leases to total assets | 61.5071% | 3,591 |
| Net loans and leases to deposits | 84.0385% | 2,299 |
| Net loans and leases to core deposits | 93.9577% | 1,991 |
| Total domestic deposits to total assets | 73.1892% | 5,679 |
| Equity capital to assets | 22.9628% | 133 |
| Core capital (leverage) ratio | 19.9319% | 199 |
| Tier 1 risk-based capital ratio | 30.1141% | 506 |
| Total risk-based capital ratio | 36.6917% | 319 |
| Memoranda: | ||
| Average total assets | $556,109,500 | 1,263 |
| Average earning assets | $509,433,500 | 1,267 |
| Average equity | $127,229,000 | 630 |
| Average total loans | $343,695,000 | 1,353 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1595% | 5,565 |
| Cost of funding earning assets | 0.6196% | 1,238 |
| Net interest margin | 2.5399% | 5,801 |
| Noninterest income to average assets | 0.5024% | 3,309 |
| Noninterest expense to average assets | 2.2554% | 4,907 |
| Loan and lease loss provision to assets | 0.0864% | 2,568 |
| Net operating income to assets | 0.3653% | 5,159 |
| Return on assets (ROA) | 0.6136% | 4,302 |
| Pretax return on assets | 0.8448% | 4,044 |
| Return on Equity (ROE) | 2.6306% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.6306% | 4,195 |
| Net charge-offs to loans | 0.1492% | 1,875 |
| Credit loss provision to net charge-offs | 94.6392% | 2,664 |
| Earnings coverage of net charge-offs (x) | 6.4742% | 3,217 |
| Efficiency ratio | 77.9989% | 1,968 |
| Assets per employee ($millions) | 7.3059% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 5,342 |
| Loan loss allowance to noncurrent loans | 28.3702% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 1.8833% | 973 |
| Noncurrent loans to loans | 2.9065% | 568 |
| Net loans and leases to total assets | 61.0847% | 3,680 |
| Net loans and leases to deposits | 83.3659% | 2,442 |
| Net loans and leases to core deposits | 92.7120% | 2,158 |
| Total domestic deposits to total assets | 73.2731% | 5,705 |
| Equity capital to assets | 22.9166% | 120 |
| Core capital (leverage) ratio | 20.1565% | 195 |
| Tier 1 risk-based capital ratio | 30.1113% | 499 |
| Total risk-based capital ratio | 36.5616% | 325 |
| Memoranda: | ||
| Average total assets | $531,249,200 | 1,273 |
| Average earning assets | $490,301,200 | 1,272 |
| Average equity | $123,926,800 | 616 |
| Average total loans | $325,162,600 | 1,370 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 5,635 |
| Cost of funding earning assets | 0.5809% | 1,536 |
| Net interest margin | 2.5737% | 5,862 |
| Noninterest income to average assets | 0.5069% | 3,318 |
| Noninterest expense to average assets | 2.2335% | 4,957 |
| Loan and lease loss provision to assets | 0.1140% | 1,982 |
| Net operating income to assets | 0.3827% | 5,224 |
| Return on assets (ROA) | 0.7006% | 4,010 |
| Pretax return on assets | 0.9943% | 3,635 |
| Return on Equity (ROE) | 2.9894% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.9894% | 4,320 |
| Net charge-offs to loans | 0.1712% | 1,454 |
| Credit loss provision to net charge-offs | 108.9806% | 2,127 |
| Earnings coverage of net charge-offs (x) | 6.2548% | 3,074 |
| Efficiency ratio | 77.2591% | 2,053 |
| Assets per employee ($millions) | 7.4791% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 5,348 |
| Loan loss allowance to noncurrent loans | 29.6605% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9478% | 1,063 |
| Noncurrent loans to loans | 2.8855% | 631 |
| Net loans and leases to total assets | 62.0185% | 3,604 |
| Net loans and leases to deposits | 84.8781% | 2,296 |
| Net loans and leases to core deposits | 93.2450% | 2,153 |
| Total domestic deposits to total assets | 73.0678% | 5,781 |
| Equity capital to assets | 23.1175% | 127 |
| Core capital (leverage) ratio | 20.2468% | 200 |
| Tier 1 risk-based capital ratio | 30.5660% | 492 |
| Total risk-based capital ratio | 36.6669% | 335 |
| Memoranda: | ||
| Average total assets | $525,250,250 | 1,296 |
| Average earning assets | $485,885,000 | 1,290 |
| Average equity | $123,097,750 | 624 |
| Average total loans | $320,955,750 | 1,391 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1815% | 5,649 |
| Cost of funding earning assets | 0.5794% | 1,568 |
| Net interest margin | 2.6020% | 5,882 |
| Noninterest income to average assets | 0.5126% | 3,285 |
| Noninterest expense to average assets | 2.3478% | 4,719 |
| Loan and lease loss provision to assets | 0.1724% | 1,206 |
| Net operating income to assets | 0.2975% | 5,444 |
| Return on assets (ROA) | 0.6075% | 4,421 |
| Pretax return on assets | 0.8279% | 4,215 |
| Return on Equity (ROE) | 2.5800% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.5800% | 4,414 |
| Net charge-offs to loans | 0.2617% | 997 |
| Credit loss provision to net charge-offs | 108.7167% | 1,937 |
| Earnings coverage of net charge-offs (x) | 3.6295% | 3,165 |
| Efficiency ratio | 80.2180% | 1,728 |
| Assets per employee ($millions) | 7.4157% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 5,415 |
| Loan loss allowance to noncurrent loans | 26.9951% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.1142% | 1,017 |
| Noncurrent loans to loans | 3.2095% | 584 |
| Net loans and leases to total assets | 60.9145% | 3,702 |
| Net loans and leases to deposits | 83.7830% | 2,338 |
| Net loans and leases to core deposits | 92.0610% | 2,153 |
| Total domestic deposits to total assets | 72.7051% | 5,897 |
| Equity capital to assets | 23.3475% | 121 |
| Core capital (leverage) ratio | 20.1048% | 199 |
| Tier 1 risk-based capital ratio | 28.1443% | 631 |
| Total risk-based capital ratio | 34.4761% | 414 |
| Memoranda: | ||
| Average total assets | $520,834,670 | 1,309 |
| Average earning assets | $482,545,330 | 1,305 |
| Average equity | $122,634,670 | 623 |
| Average total loans | $315,657,330 | 1,414 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 5,635 |
| Cost of funding earning assets | 0.5729% | 1,634 |
| Net interest margin | 2.6334% | 5,886 |
| Noninterest income to average assets | 0.5045% | 3,256 |
| Noninterest expense to average assets | 2.4741% | 4,350 |
| Loan and lease loss provision to assets | 0.1739% | 1,129 |
| Net operating income to assets | 0.2065% | 5,669 |
| Return on assets (ROA) | 0.7944% | 3,426 |
| Pretax return on assets | 1.1414% | 2,898 |
| Return on Equity (ROE) | 3.3588% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.3588% | 3,967 |
| Net charge-offs to loans | 0.0078% | 3,064 |
| Credit loss provision to net charge-offs | 3,700.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 101.1667% | 489 |
| Efficiency ratio | 83.8778% | 1,395 |
| Assets per employee ($millions) | 7.6280% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 5,321 |
| Loan loss allowance to noncurrent loans | 32.6997% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 1.8710% | 1,300 |
| Noncurrent loans to loans | 2.8561% | 793 |
| Net loans and leases to total assets | 59.9709% | 3,656 |
| Net loans and leases to deposits | 82.2814% | 2,307 |
| Net loans and leases to core deposits | 91.1079% | 2,021 |
| Total domestic deposits to total assets | 72.8851% | 5,984 |
| Equity capital to assets | 23.2500% | 122 |
| Core capital (leverage) ratio | 20.5501% | 186 |
| Tier 1 risk-based capital ratio | 28.3853% | 630 |
| Total risk-based capital ratio | 35.0732% | 391 |
| Memoranda: | ||
| Average total assets | $510,579,000 | 1,339 |
| Average earning assets | $474,063,500 | 1,330 |
| Average equity | $120,756,500 | 635 |
| Average total loans | $307,166,000 | 1,445 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0262% | 6,036 |
| Cost of funding earning assets | 0.5953% | 1,801 |
| Net interest margin | 2.4309% | 6,211 |
| Noninterest income to average assets | 0.5614% | 3,116 |
| Noninterest expense to average assets | 1.9726% | 5,817 |
| Loan and lease loss provision to assets | 0.1128% | 2,286 |
| Net operating income to assets | 0.5475% | 4,608 |
| Return on assets (ROA) | 0.5523% | 4,680 |
| Pretax return on assets | 0.7620% | 4,394 |
| Return on Equity (ROE) | 2.2822% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.2822% | 4,615 |
| Net charge-offs to loans | 0.0011% | 4,956 |
| Credit loss provision to net charge-offs | 17,766.6667% | 15 |
| Earnings coverage of net charge-offs (x) | 1,367.3333% | 28 |
| Efficiency ratio | 69.4360% | 3,638 |
| Assets per employee ($millions) | 7.8586% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,095 |
| Loan loss allowance to noncurrent loans | 36.0847% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 1.8697% | 1,377 |
| Noncurrent loans to loans | 2.7531% | 872 |
| Net loans and leases to total assets | 59.1664% | 3,902 |
| Net loans and leases to deposits | 83.1447% | 2,320 |
| Net loans and leases to core deposits | 91.8494% | 2,107 |
| Total domestic deposits to total assets | 71.1608% | 6,133 |
| Equity capital to assets | 24.4965% | 105 |
| Core capital (leverage) ratio | 20.5832% | 187 |
| Tier 1 risk-based capital ratio | 36.6761% | 294 |
| Total risk-based capital ratio | 46.2453% | 176 |
| Memoranda: | ||
| Average total assets | $472,421,000 | 1,413 |
| Average earning assets | $442,997,200 | 1,378 |
| Average equity | $114,319,600 | 642 |
| Average total loans | $271,537,000 | 1,568 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0096% | 6,131 |
| Cost of funding earning assets | 0.5632% | 2,164 |
| Net interest margin | 2.4463% | 6,268 |
| Noninterest income to average assets | 0.5459% | 3,224 |
| Noninterest expense to average assets | 1.9305% | 5,899 |
| Loan and lease loss provision to assets | 0.1218% | 2,050 |
| Net operating income to assets | 0.5647% | 4,614 |
| Return on assets (ROA) | 0.5711% | 4,664 |
| Pretax return on assets | 0.7957% | 4,381 |
| Return on Equity (ROE) | 2.3673% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.3673% | 4,871 |
| Net charge-offs to loans | 0.0030% | 4,601 |
| Credit loss provision to net charge-offs | 7,166.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 534.6538% | 144 |
| Efficiency ratio | 67.9936% | 3,857 |
| Assets per employee ($millions) | 8.2202% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 5,313 |
| Loan loss allowance to noncurrent loans | 34.9534% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.8699% | 1,573 |
| Noncurrent loans to loans | 2.7930% | 994 |
| Net loans and leases to total assets | 58.2942% | 4,030 |
| Net loans and leases to deposits | 81.5778% | 2,479 |
| Net loans and leases to core deposits | 90.3429% | 2,190 |
| Total domestic deposits to total assets | 71.4584% | 6,204 |
| Equity capital to assets | 24.2928% | 108 |
| Core capital (leverage) ratio | 20.5896% | 195 |
| Tier 1 risk-based capital ratio | 37.0039% | 297 |
| Total risk-based capital ratio | 46.3577% | 179 |
| Memoranda: | ||
| Average total assets | $470,682,500 | 1,430 |
| Average earning assets | $441,245,500 | 1,401 |
| Average equity | $113,542,000 | 641 |
| Average total loans | $267,802,500 | 1,594 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9913% | 6,189 |
| Cost of funding earning assets | 0.5544% | 2,311 |
| Net interest margin | 2.4369% | 6,327 |
| Noninterest income to average assets | 0.5595% | 3,052 |
| Noninterest expense to average assets | 1.9063% | 5,993 |
| Loan and lease loss provision to assets | 0.1054% | 2,263 |
| Net operating income to assets | 0.6007% | 4,351 |
| Return on assets (ROA) | 0.6047% | 4,434 |
| Pretax return on assets | 0.8381% | 4,129 |
| Return on Equity (ROE) | 2.5128% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.5128% | 4,603 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0218% | 4,190 |
| Assets per employee ($millions) | 8.1543% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 5,560 |
| Loan loss allowance to noncurrent loans | 31.0103% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 1,626 |
| Noncurrent loans to loans | 3.0677% | 932 |
| Net loans and leases to total assets | 56.4241% | 4,215 |
| Net loans and leases to deposits | 78.9774% | 2,660 |
| Net loans and leases to core deposits | 87.6907% | 2,346 |
| Total domestic deposits to total assets | 71.4433% | 6,289 |
| Equity capital to assets | 24.3144% | 105 |
| Core capital (leverage) ratio | 20.8096% | 173 |
| Tier 1 risk-based capital ratio | 37.7640% | 282 |
| Total risk-based capital ratio | 47.2256% | 163 |
| Memoranda: | ||
| Average total assets | $468,653,000 | 1,433 |
| Average earning assets | $439,402,670 | 1,403 |
| Average equity | $112,782,330 | 634 |
| Average total loans | $263,513,330 | 1,609 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9841% | 6,257 |
| Cost of funding earning assets | 0.5628% | 2,314 |
| Net interest margin | 2.4213% | 6,402 |
| Noninterest income to average assets | 0.5282% | 3,205 |
| Noninterest expense to average assets | 1.9138% | 6,043 |
| Loan and lease loss provision to assets | 0.0472% | 3,150 |
| Net operating income to assets | 0.6068% | 4,168 |
| Return on assets (ROA) | 0.6148% | 4,201 |
| Pretax return on assets | 0.8506% | 3,900 |
| Return on Equity (ROE) | 2.5681% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.5681% | 4,530 |
| Net charge-offs to loans | -0.0015% | 4,681 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3405% | 4,126 |
| Assets per employee ($millions) | 7.6720% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 5,864 |
| Loan loss allowance to noncurrent loans | 38.1596% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 2,170 |
| Noncurrent loans to loans | 2.3604% | 1,493 |
| Net loans and leases to total assets | 55.7637% | 4,172 |
| Net loans and leases to deposits | 77.8746% | 2,574 |
| Net loans and leases to core deposits | 86.2519% | 2,298 |
| Total domestic deposits to total assets | 71.6070% | 6,382 |
| Equity capital to assets | 24.1356% | 106 |
| Core capital (leverage) ratio | 20.5961% | 181 |
| Tier 1 risk-based capital ratio | 38.4117% | 266 |
| Total risk-based capital ratio | 47.6845% | 157 |
| Memoranda: | ||
| Average total assets | $466,506,000 | 1,442 |
| Average earning assets | $437,781,500 | 1,408 |
| Average equity | $111,676,500 | 639 |
| Average total loans | $260,560,500 | 1,630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9646% | 6,375 |
| Cost of funding earning assets | 0.6735% | 2,013 |
| Net interest margin | 2.2911% | 6,529 |
| Noninterest income to average assets | 0.5706% | 3,270 |
| Noninterest expense to average assets | 2.0009% | 6,022 |
| Loan and lease loss provision to assets | 0.0713% | 3,695 |
| Net operating income to assets | 0.4879% | 4,783 |
| Return on assets (ROA) | 0.4953% | 4,893 |
| Pretax return on assets | 0.6621% | 4,658 |
| Return on Equity (ROE) | 2.1319% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.1319% | 4,724 |
| Net charge-offs to loans | 0.0351% | 4,746 |
| Credit loss provision to net charge-offs | 377.9070% | 601 |
| Earnings coverage of net charge-offs (x) | 38.3488% | 979 |
| Efficiency ratio | 73.4439% | 3,227 |
| Assets per employee ($millions) | 7.6233% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 5,939 |
| Loan loss allowance to noncurrent loans | 38.7097% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.5851% | 2,345 |
| Noncurrent loans to loans | 2.3210% | 1,657 |
| Net loans and leases to total assets | 54.9360% | 4,468 |
| Net loans and leases to deposits | 76.4481% | 2,922 |
| Net loans and leases to core deposits | 84.8436% | 2,577 |
| Total domestic deposits to total assets | 71.8605% | 6,429 |
| Equity capital to assets | 23.7410% | 113 |
| Core capital (leverage) ratio | 20.4846% | 174 |
| Tier 1 risk-based capital ratio | 38.7387% | 251 |
| Total risk-based capital ratio | 47.9397% | 154 |
| Memoranda: | ||
| Average total assets | $455,843,600 | 1,455 |
| Average earning assets | $428,519,000 | 1,425 |
| Average equity | $105,912,600 | 672 |
| Average total loans | $245,083,000 | 1,695 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9478% | 6,469 |
| Cost of funding earning assets | 0.6591% | 2,277 |
| Net interest margin | 2.2887% | 6,595 |
| Noninterest income to average assets | 0.5624% | 3,377 |
| Noninterest expense to average assets | 1.9996% | 6,012 |
| Loan and lease loss provision to assets | 0.0706% | 3,654 |
| Net operating income to assets | 0.4843% | 4,869 |
| Return on assets (ROA) | 0.4927% | 4,989 |
| Pretax return on assets | 0.6573% | 4,831 |
| Return on Equity (ROE) | 2.1325% | 5,898 |
| Retained earnings to average equity (ytd only) | 2.1325% | 5,036 |
| Net charge-offs to loans | 0.0066% | 5,037 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 203.1619% | 285 |
| Efficiency ratio | 73.6147% | 3,121 |
| Assets per employee ($millions) | 7.5534% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 6,040 |
| Loan loss allowance to noncurrent loans | 35.6260% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.6388% | 2,508 |
| Noncurrent loans to loans | 2.5470% | 1,689 |
| Net loans and leases to total assets | 54.6316% | 4,510 |
| Net loans and leases to deposits | 75.0691% | 3,081 |
| Net loans and leases to core deposits | 83.5836% | 2,693 |
| Total domestic deposits to total assets | 72.7751% | 6,450 |
| Equity capital to assets | 23.1958% | 115 |
| Core capital (leverage) ratio | 20.4989% | 183 |
| Tier 1 risk-based capital ratio | 39.0904% | 253 |
| Total risk-based capital ratio | 47.4228% | 162 |
| Memoranda: | ||
| Average total assets | $453,548,750 | 1,471 |
| Average earning assets | $426,831,500 | 1,436 |
| Average equity | $104,790,500 | 680 |
| Average total loans | $241,908,500 | 1,710 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9366% | 6,502 |
| Cost of funding earning assets | 0.6758% | 2,262 |
| Net interest margin | 2.2608% | 6,649 |
| Noninterest income to average assets | 0.5741% | 3,354 |
| Noninterest expense to average assets | 1.9865% | 6,075 |
| Loan and lease loss provision to assets | 0.0332% | 4,272 |
| Net operating income to assets | 0.5068% | 4,773 |
| Return on assets (ROA) | 0.5147% | 4,909 |
| Pretax return on assets | 0.6933% | 4,700 |
| Return on Equity (ROE) | 2.2306% | 5,872 |
| Retained earnings to average equity (ytd only) | 2.2306% | 4,854 |
| Net charge-offs to loans | -0.0076% | 5,712 |
| Credit loss provision to net charge-offs | -833.3333% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5072% | 3,227 |
| Assets per employee ($millions) | 7.4682% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 6,182 |
| Loan loss allowance to noncurrent loans | 27.7158% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7624% | 2,472 |
| Noncurrent loans to loans | 3.1867% | 1,380 |
| Net loans and leases to total assets | 53.2338% | 4,706 |
| Net loans and leases to deposits | 73.2031% | 3,261 |
| Net loans and leases to core deposits | 81.7831% | 2,822 |
| Total domestic deposits to total assets | 72.7207% | 6,516 |
| Equity capital to assets | 23.2873% | 114 |
| Core capital (leverage) ratio | 20.5328% | 167 |
| Tier 1 risk-based capital ratio | 39.6804% | 237 |
| Total risk-based capital ratio | 48.0277% | 151 |
| Memoranda: | ||
| Average total assets | $451,146,670 | 1,476 |
| Average earning assets | $424,708,670 | 1,443 |
| Average equity | $104,095,330 | 690 |
| Average total loans | $237,870,330 | 1,736 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9401% | 6,572 |
| Cost of funding earning assets | 0.6903% | 2,308 |
| Net interest margin | 2.2498% | 6,731 |
| Noninterest income to average assets | 0.5889% | 3,197 |
| Noninterest expense to average assets | 1.9744% | 6,155 |
| Loan and lease loss provision to assets | 0.0223% | 4,186 |
| Net operating income to assets | 0.5159% | 4,581 |
| Return on assets (ROA) | 0.5159% | 4,727 |
| Pretax return on assets | 0.7092% | 4,541 |
| Return on Equity (ROE) | 2.2464% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.2464% | 4,889 |
| Net charge-offs to loans | -0.0563% | 6,183 |
| Credit loss provision to net charge-offs | -75.7576% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9667% | 3,449 |
| Assets per employee ($millions) | 7.4064% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 6,227 |
| Loan loss allowance to noncurrent loans | 27.8539% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7189% | 2,714 |
| Noncurrent loans to loans | 3.2815% | 1,478 |
| Net loans and leases to total assets | 51.2290% | 4,807 |
| Net loans and leases to deposits | 70.4284% | 3,405 |
| Net loans and leases to core deposits | 78.4838% | 2,993 |
| Total domestic deposits to total assets | 72.7392% | 6,620 |
| Equity capital to assets | 23.2568% | 118 |
| Core capital (leverage) ratio | 20.4927% | 172 |
| Tier 1 risk-based capital ratio | 39.9971% | 234 |
| Total risk-based capital ratio | 48.3016% | 149 |
| Memoranda: | ||
| Average total assets | $448,939,000 | 1,494 |
| Average earning assets | $422,430,500 | 1,462 |
| Average equity | $103,099,000 | 709 |
| Average total loans | $234,468,500 | 1,765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 6,717 |
| Cost of funding earning assets | 0.8899% | 1,989 |
| Net interest margin | 2.2225% | 6,874 |
| Noninterest income to average assets | 0.5443% | 3,620 |
| Noninterest expense to average assets | 2.0621% | 6,205 |
| Loan and lease loss provision to assets | 0.0520% | 5,163 |
| Net operating income to assets | 0.4005% | 5,101 |
| Return on assets (ROA) | 0.4364% | 5,185 |
| Pretax return on assets | 0.5641% | 5,094 |
| Return on Equity (ROE) | 1.9072% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.9072% | 4,877 |
| Net charge-offs to loans | 0.0565% | 5,133 |
| Credit loss provision to net charge-offs | 178.1250% | 1,475 |
| Earnings coverage of net charge-offs (x) | 19.5078% | 1,382 |
| Efficiency ratio | 78.3622% | 2,385 |
| Assets per employee ($millions) | 7.3129% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 6,306 |
| Loan loss allowance to noncurrent loans | 21.5077% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 2.1789% | 2,253 |
| Noncurrent loans to loans | 4.1032% | 1,129 |
| Net loans and leases to total assets | 52.2941% | 4,884 |
| Net loans and leases to deposits | 70.9113% | 3,573 |
| Net loans and leases to core deposits | 79.3273% | 3,106 |
| Total domestic deposits to total assets | 73.7457% | 6,557 |
| Equity capital to assets | 22.6696% | 134 |
| Core capital (leverage) ratio | 20.5967% | 174 |
| Tier 1 risk-based capital ratio | 40.0070% | 237 |
| Total risk-based capital ratio | 47.2698% | 164 |
| Memoranda: | ||
| Average total assets | $438,538,600 | 1,508 |
| Average earning assets | $411,827,000 | 1,463 |
| Average equity | $100,356,400 | 708 |
| Average total loans | $226,419,400 | 1,799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 6,841 |
| Cost of funding earning assets | 0.8878% | 2,252 |
| Net interest margin | 2.2368% | 6,977 |
| Noninterest income to average assets | 0.5408% | 3,666 |
| Noninterest expense to average assets | 2.0266% | 6,313 |
| Loan and lease loss provision to assets | 0.0232% | 5,505 |
| Net operating income to assets | 0.4513% | 5,029 |
| Return on assets (ROA) | 0.4513% | 5,277 |
| Pretax return on assets | 0.5896% | 5,198 |
| Return on Equity (ROE) | 1.9674% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.9674% | 5,340 |
| Net charge-offs to loans | 0.0589% | 4,838 |
| Credit loss provision to net charge-offs | 76.7677% | 3,714 |
| Earnings coverage of net charge-offs (x) | 20.2722% | 1,454 |
| Efficiency ratio | 76.7816% | 2,552 |
| Assets per employee ($millions) | 7.2667% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 6,476 |
| Loan loss allowance to noncurrent loans | 22.7951% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 2,627 |
| Noncurrent loans to loans | 3.7845% | 1,400 |
| Net loans and leases to total assets | 50.6569% | 5,227 |
| Net loans and leases to deposits | 69.0310% | 4,024 |
| Net loans and leases to core deposits | 76.8830% | 3,621 |
| Total domestic deposits to total assets | 73.3829% | 6,647 |
| Equity capital to assets | 22.8862% | 144 |
| Core capital (leverage) ratio | 20.4509% | 194 |
| Tier 1 risk-based capital ratio | 40.5640% | 226 |
| Total risk-based capital ratio | 48.1833% | 156 |
| Memoranda: | ||
| Average total assets | $436,651,500 | 1,522 |
| Average earning assets | $409,689,000 | 1,489 |
| Average equity | $100,164,000 | 713 |
| Average total loans | $224,185,750 | 1,829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 6,910 |
| Cost of funding earning assets | 0.8986% | 2,408 |
| Net interest margin | 2.2472% | 7,030 |
| Noninterest income to average assets | 0.5451% | 3,615 |
| Noninterest expense to average assets | 2.0624% | 6,315 |
| Loan and lease loss provision to assets | 0.0235% | 5,372 |
| Net operating income to assets | 0.4350% | 5,096 |
| Return on assets (ROA) | 0.4350% | 5,321 |
| Pretax return on assets | 0.5695% | 5,249 |
| Return on Equity (ROE) | 1.8950% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.8950% | 5,257 |
| Net charge-offs to loans | 0.0761% | 4,383 |
| Credit loss provision to net charge-offs | 60.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | 15.1529% | 1,663 |
| Efficiency ratio | 77.6699% | 2,504 |
| Assets per employee ($millions) | 7.2438% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 6,538 |
| Loan loss allowance to noncurrent loans | 24.6012% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 2,962 |
| Noncurrent loans to loans | 3.5138% | 1,629 |
| Net loans and leases to total assets | 50.4275% | 5,302 |
| Net loans and leases to deposits | 68.3181% | 4,147 |
| Net loans and leases to core deposits | 76.1813% | 3,752 |
| Total domestic deposits to total assets | 73.8128% | 6,694 |
| Equity capital to assets | 22.7564% | 135 |
| Core capital (leverage) ratio | 20.4973% | 184 |
| Tier 1 risk-based capital ratio | 40.7324% | 217 |
| Total risk-based capital ratio | 48.0804% | 149 |
| Memoranda: | ||
| Average total assets | $434,446,000 | 1,527 |
| Average earning assets | $407,983,000 | 1,494 |
| Average equity | $99,736,330 | 718 |
| Average total loans | $223,414,330 | 1,817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 6,953 |
| Cost of funding earning assets | 0.9121% | 2,592 |
| Net interest margin | 2.2748% | 7,069 |
| Noninterest income to average assets | 0.5581% | 3,512 |
| Noninterest expense to average assets | 1.9994% | 6,462 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5070% | 4,796 |
| Return on assets (ROA) | 0.5070% | 5,006 |
| Pretax return on assets | 0.6918% | 4,823 |
| Return on Equity (ROE) | 2.1988% | 6,005 |
| Retained earnings to average equity (ytd only) | 2.1988% | 5,162 |
| Net charge-offs to loans | 0.0198% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 67.7273% | 499 |
| Efficiency ratio | 74.2926% | 3,048 |
| Assets per employee ($millions) | 7.1493% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 6,579 |
| Loan loss allowance to noncurrent loans | 27.8786% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 1.6170% | 3,421 |
| Noncurrent loans to loans | 3.1651% | 2,031 |
| Net loans and leases to total assets | 50.6381% | 5,214 |
| Net loans and leases to deposits | 68.9301% | 3,889 |
| Net loans and leases to core deposits | 76.8353% | 3,497 |
| Total domestic deposits to total assets | 73.4630% | 6,787 |
| Equity capital to assets | 23.0152% | 124 |
| Core capital (leverage) ratio | 20.7738% | 170 |
| Tier 1 risk-based capital ratio | 40.7482% | 219 |
| Total risk-based capital ratio | 48.1964% | 142 |
| Memoranda: | ||
| Average total assets | $430,733,000 | 1,546 |
| Average earning assets | $403,897,000 | 1,507 |
| Average equity | $99,327,500 | 719 |
| Average total loans | $222,737,500 | 1,836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 7,042 |
| Cost of funding earning assets | 1.0182% | 3,251 |
| Net interest margin | 2.3982% | 7,104 |
| Noninterest income to average assets | 0.5780% | 3,307 |
| Noninterest expense to average assets | 2.0963% | 6,504 |
| Loan and lease loss provision to assets | 0.0024% | 6,483 |
| Net operating income to assets | 0.5348% | 4,288 |
| Return on assets (ROA) | 0.5301% | 4,503 |
| Pretax return on assets | 0.7205% | 4,252 |
| Return on Equity (ROE) | 2.3100% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.3100% | 4,570 |
| Net charge-offs to loans | 0.0521% | 5,796 |
| Credit loss provision to net charge-offs | 8.6207% | 6,020 |
| Earnings coverage of net charge-offs (x) | 26.4828% | 940 |
| Efficiency ratio | 74.1914% | 3,201 |
| Assets per employee ($millions) | 6.9731% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 6,559 |
| Loan loss allowance to noncurrent loans | 29.6491% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 3,596 |
| Noncurrent loans to loans | 2.9945% | 2,170 |
| Net loans and leases to total assets | 51.8845% | 5,330 |
| Net loans and leases to deposits | 70.4630% | 4,026 |
| Net loans and leases to core deposits | 78.7617% | 3,594 |
| Total domestic deposits to total assets | 73.6337% | 6,759 |
| Equity capital to assets | 23.1062% | 129 |
| Core capital (leverage) ratio | 20.8366% | 167 |
| Tier 1 risk-based capital ratio | 41.7791% | 208 |
| Total risk-based capital ratio | 48.8422% | 146 |
| Memoranda: | ||
| Average total assets | $421,262,600 | 1,546 |
| Average earning assets | $394,797,800 | 1,508 |
| Average equity | $96,665,600 | 711 |
| Average total loans | $222,667,000 | 1,854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 7,114 |
| Cost of funding earning assets | 0.9937% | 3,724 |
| Net interest margin | 2.4441% | 7,161 |
| Noninterest income to average assets | 0.5600% | 3,449 |
| Noninterest expense to average assets | 2.0626% | 6,566 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5680% | 4,233 |
| Return on assets (ROA) | 0.5600% | 4,443 |
| Pretax return on assets | 0.7751% | 4,218 |
| Return on Equity (ROE) | 2.4447% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.4447% | 4,898 |
| Net charge-offs to loans | 0.0719% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 20.6495% | 1,211 |
| Efficiency ratio | 72.4023% | 3,474 |
| Assets per employee ($millions) | 6.8181% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 6,635 |
| Loan loss allowance to noncurrent loans | 23.3524% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 3,106 |
| Noncurrent loans to loans | 3.8097% | 1,768 |
| Net loans and leases to total assets | 52.5797% | 5,378 |
| Net loans and leases to deposits | 70.8927% | 4,155 |
| Net loans and leases to core deposits | 79.1165% | 3,756 |
| Total domestic deposits to total assets | 74.1680% | 6,736 |
| Equity capital to assets | 22.9162% | 148 |
| Core capital (leverage) ratio | 20.8424% | 184 |
| Tier 1 risk-based capital ratio | 42.2961% | 212 |
| Total risk-based capital ratio | 48.5202% | 163 |
| Memoranda: | ||
| Average total assets | $420,238,750 | 1,557 |
| Average earning assets | $393,534,000 | 1,518 |
| Average equity | $96,261,000 | 718 |
| Average total loans | $222,665,750 | 1,867 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 7,190 |
| Cost of funding earning assets | 1.0056% | 3,913 |
| Net interest margin | 2.4379% | 7,218 |
| Noninterest income to average assets | 0.5649% | 3,370 |
| Noninterest expense to average assets | 2.0755% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5606% | 4,261 |
| Return on assets (ROA) | 0.5606% | 4,387 |
| Pretax return on assets | 0.7707% | 4,139 |
| Return on Equity (ROE) | 2.4478% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.4478% | 4,726 |
| Net charge-offs to loans | 0.0672% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,145 |
| Efficiency ratio | 72.9212% | 3,555 |
| Assets per employee ($millions) | 6.9234% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,662 |
| Loan loss allowance to noncurrent loans | 24.7078% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 1.9338% | 3,328 |
| Noncurrent loans to loans | 3.6407% | 1,930 |
| Net loans and leases to total assets | 52.3801% | 5,518 |
| Net loans and leases to deposits | 71.1743% | 4,263 |
| Net loans and leases to core deposits | 79.2287% | 3,894 |
| Total domestic deposits to total assets | 73.5942% | 6,880 |
| Equity capital to assets | 23.1173% | 151 |
| Core capital (leverage) ratio | 20.6952% | 193 |
| Tier 1 risk-based capital ratio | 41.6856% | 220 |
| Total risk-based capital ratio | 49.0087% | 155 |
| Memoranda: | ||
| Average total assets | $421,683,000 | 1,570 |
| Average earning assets | $394,598,670 | 1,533 |
| Average equity | $96,578,000 | 708 |
| Average total loans | $223,339,330 | 1,884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 7,272 |
| Cost of funding earning assets | 1.0202% | 4,062 |
| Net interest margin | 2.3707% | 7,267 |
| Noninterest income to average assets | 0.6066% | 3,120 |
| Noninterest expense to average assets | 2.1113% | 6,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5345% | 4,333 |
| Return on assets (ROA) | 0.5345% | 4,423 |
| Pretax return on assets | 0.7167% | 4,236 |
| Return on Equity (ROE) | 2.3446% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.3446% | 4,744 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6559% | 3,398 |
| Assets per employee ($millions) | 6.9099% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,610 |
| Loan loss allowance to noncurrent loans | 28.6994% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7219% | 3,669 |
| Noncurrent loans to loans | 3.2513% | 2,313 |
| Net loans and leases to total assets | 52.4682% | 5,517 |
| Net loans and leases to deposits | 71.3303% | 4,157 |
| Net loans and leases to core deposits | 78.2821% | 3,982 |
| Total domestic deposits to total assets | 73.5566% | 6,945 |
| Equity capital to assets | 23.0106% | 144 |
| Core capital (leverage) ratio | 20.5442% | 200 |
| Tier 1 risk-based capital ratio | 41.7556% | 212 |
| Total risk-based capital ratio | 49.1770% | 153 |
| Memoranda: | ||
| Average total assets | $421,360,500 | 1,581 |
| Average earning assets | $394,822,000 | 1,541 |
| Average equity | $96,051,500 | 702 |
| Average total loans | $223,397,000 | 1,907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 7,349 |
| Cost of funding earning assets | 1.2439% | 4,254 |
| Net interest margin | 2.3572% | 7,340 |
| Noninterest income to average assets | 0.5579% | 3,768 |
| Noninterest expense to average assets | 2.1085% | 6,825 |
| Loan and lease loss provision to assets | 0.0535% | 6,616 |
| Net operating income to assets | 0.4078% | 4,508 |
| Return on assets (ROA) | 0.4957% | 4,276 |
| Pretax return on assets | 0.7200% | 3,901 |
| Return on Equity (ROE) | 2.2068% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.2068% | 4,345 |
| Net charge-offs to loans | 0.0027% | 6,830 |
| Credit loss provision to net charge-offs | 3,683.3333% | 56 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 51 |
| Efficiency ratio | 76.5419% | 2,955 |
| Assets per employee ($millions) | 6.9052% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,630 |
| Loan loss allowance to noncurrent loans | 28.3942% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7416% | 3,692 |
| Noncurrent loans to loans | 3.2815% | 2,311 |
| Net loans and leases to total assets | 52.5792% | 5,843 |
| Net loans and leases to deposits | 70.8202% | 4,710 |
| Net loans and leases to core deposits | 78.3621% | 4,413 |
| Total domestic deposits to total assets | 74.2432% | 6,860 |
| Equity capital to assets | 22.5804% | 165 |
| Core capital (leverage) ratio | 20.4187% | 213 |
| Tier 1 risk-based capital ratio | 40.9442% | 227 |
| Total risk-based capital ratio | 47.7854% | 162 |
| Memoranda: | ||
| Average total assets | $413,190,200 | 1,600 |
| Average earning assets | $385,068,400 | 1,570 |
| Average equity | $92,805,200 | 718 |
| Average total loans | $225,997,400 | 1,931 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 7,466 |
| Cost of funding earning assets | 1.2321% | 4,675 |
| Net interest margin | 2.4391% | 7,414 |
| Noninterest income to average assets | 0.5480% | 3,808 |
| Noninterest expense to average assets | 2.0934% | 6,859 |
| Loan and lease loss provision to assets | 0.0717% | 6,346 |
| Net operating income to assets | 0.4424% | 4,579 |
| Return on assets (ROA) | 0.5584% | 4,225 |
| Pretax return on assets | 0.8246% | 3,820 |
| Return on Equity (ROE) | 2.4894% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.4894% | 4,680 |
| Net charge-offs to loans | 0.0047% | 6,602 |
| Credit loss provision to net charge-offs | 2,762.5000% | 107 |
| Earnings coverage of net charge-offs (x) | 279.6560% | 115 |
| Efficiency ratio | 74.2581% | 3,278 |
| Assets per employee ($millions) | 6.8243% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,680 |
| Loan loss allowance to noncurrent loans | 26.8412% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 3,660 |
| Noncurrent loans to loans | 3.4257% | 2,322 |
| Net loans and leases to total assets | 53.8661% | 5,869 |
| Net loans and leases to deposits | 72.1858% | 4,818 |
| Net loans and leases to core deposits | 79.9432% | 4,527 |
| Total domestic deposits to total assets | 74.6215% | 6,840 |
| Equity capital to assets | 22.4002% | 182 |
| Core capital (leverage) ratio | 20.2956% | 234 |
| Tier 1 risk-based capital ratio | 41.1942% | 229 |
| Total risk-based capital ratio | 47.5055% | 170 |
| Memoranda: | ||
| Average total assets | $411,182,750 | 1,634 |
| Average earning assets | $382,869,500 | 1,595 |
| Average equity | $92,228,250 | 723 |
| Average total loans | $226,607,500 | 1,949 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 7,501 |
| Cost of funding earning assets | 1.2615% | 4,758 |
| Net interest margin | 2.5040% | 7,418 |
| Noninterest income to average assets | 0.5324% | 3,853 |
| Noninterest expense to average assets | 2.1051% | 6,891 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5019% | 4,321 |
| Return on assets (ROA) | 0.6125% | 3,960 |
| Pretax return on assets | 0.9143% | 3,434 |
| Return on Equity (ROE) | 2.7294% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.7294% | 4,395 |
| Net charge-offs to loans | 0.0018% | 6,361 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 767.0000% | 37 |
| Efficiency ratio | 73.7509% | 3,520 |
| Assets per employee ($millions) | 6.7618% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 6,978 |
| Loan loss allowance to noncurrent loans | 32.2447% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4030% | 4,368 |
| Noncurrent loans to loans | 2.5546% | 3,102 |
| Net loans and leases to total assets | 54.4678% | 5,920 |
| Net loans and leases to deposits | 72.4421% | 4,919 |
| Net loans and leases to core deposits | 80.3169% | 4,655 |
| Total domestic deposits to total assets | 75.1881% | 6,828 |
| Equity capital to assets | 22.0978% | 197 |
| Core capital (leverage) ratio | 20.4671% | 221 |
| Tier 1 risk-based capital ratio | 41.6976% | 218 |
| Total risk-based capital ratio | 47.3635% | 175 |
| Memoranda: | ||
| Average total assets | $409,483,000 | 1,659 |
| Average earning assets | $379,705,330 | 1,627 |
| Average equity | $91,888,330 | 715 |
| Average total loans | $226,704,670 | 1,970 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 7,591 |
| Cost of funding earning assets | 1.2803% | 4,924 |
| Net interest margin | 2.5160% | 7,460 |
| Noninterest income to average assets | 0.5284% | 3,825 |
| Noninterest expense to average assets | 2.1099% | 6,912 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4827% | 4,485 |
| Return on assets (ROA) | 0.6755% | 3,662 |
| Pretax return on assets | 1.0304% | 2,968 |
| Return on Equity (ROE) | 2.9872% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.9872% | 4,337 |
| Net charge-offs to loans | 0.0053% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 135 |
| Efficiency ratio | 74.0792% | 3,562 |
| Assets per employee ($millions) | 6.7175% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 7,063 |
| Loan loss allowance to noncurrent loans | 33.2324% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 4,462 |
| Noncurrent loans to loans | 2.4877% | 3,183 |
| Net loans and leases to total assets | 54.5976% | 5,942 |
| Net loans and leases to deposits | 73.6959% | 4,792 |
| Net loans and leases to core deposits | 80.6154% | 4,685 |
| Total domestic deposits to total assets | 74.0850% | 7,036 |
| Equity capital to assets | 22.7000% | 189 |
| Core capital (leverage) ratio | 20.6300% | 223 |
| Tier 1 risk-based capital ratio | 41.3225% | 232 |
| Total risk-based capital ratio | 47.9402% | 172 |
| Memoranda: | ||
| Average total assets | $407,989,000 | 1,705 |
| Average earning assets | $376,150,000 | 1,681 |
| Average equity | $92,259,000 | 715 |
| Average total loans | $226,792,000 | 2,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 7,603 |
| Cost of funding earning assets | 1.6384% | 4,853 |
| Net interest margin | 2.5649% | 7,361 |
| Noninterest income to average assets | 0.5236% | 4,228 |
| Noninterest expense to average assets | 2.3545% | 6,593 |
| Loan and lease loss provision to assets | 0.0973% | 6,644 |
| Net operating income to assets | 0.3272% | 4,424 |
| Return on assets (ROA) | 0.7760% | 2,713 |
| Pretax return on assets | 1.1368% | 2,135 |
| Return on Equity (ROE) | 3.3714% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.3714% | 2,811 |
| Net charge-offs to loans | 0.0563% | 6,537 |
| Credit loss provision to net charge-offs | 297.6190% | 1,119 |
| Earnings coverage of net charge-offs (x) | 17.5635% | 1,177 |
| Efficiency ratio | 80.4003% | 2,826 |
| Assets per employee ($millions) | 6.6592% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 7,074 |
| Loan loss allowance to noncurrent loans | 30.6884% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 4,028 |
| Noncurrent loans to loans | 2.6698% | 2,871 |
| Net loans and leases to total assets | 55.6676% | 6,001 |
| Net loans and leases to deposits | 74.9242% | 4,885 |
| Net loans and leases to core deposits | 106.1136% | 3,316 |
| Total domestic deposits to total assets | 74.2986% | 6,975 |
| Equity capital to assets | 22.5255% | 213 |
| Core capital (leverage) ratio | 20.6215% | 251 |
| Tier 1 risk-based capital ratio | 40.8596% | 238 |
| Total risk-based capital ratio | 47.2635% | 181 |
| Memoranda: | ||
| Average total assets | $385,565,600 | 1,773 |
| Average earning assets | $361,501,800 | 1,735 |
| Average equity | $88,746,800 | 726 |
| Average total loans | $223,843,200 | 2,071 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 7,670 |
| Cost of funding earning assets | 1.6521% | 5,154 |
| Net interest margin | 2.6578% | 7,280 |
| Noninterest income to average assets | 0.5201% | 4,317 |
| Noninterest expense to average assets | 2.3382% | 6,599 |
| Loan and lease loss provision to assets | 0.0690% | 6,673 |
| Net operating income to assets | 0.4060% | 4,373 |
| Return on assets (ROA) | 0.7378% | 3,134 |
| Pretax return on assets | 1.0988% | 2,578 |
| Return on Equity (ROE) | 3.1872% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.1872% | 3,530 |
| Net charge-offs to loans | 0.0592% | 6,114 |
| Credit loss provision to net charge-offs | 198.9899% | 2,252 |
| Earnings coverage of net charge-offs (x) | 19.3833% | 1,298 |
| Efficiency ratio | 77.6601% | 3,216 |
| Assets per employee ($millions) | 6.5094% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 7,230 |
| Loan loss allowance to noncurrent loans | 39.6627% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 4,745 |
| Noncurrent loans to loans | 1.9174% | 3,747 |
| Net loans and leases to total assets | 56.4282% | 6,097 |
| Net loans and leases to deposits | 76.0873% | 5,027 |
| Net loans and leases to core deposits | 107.0229% | 3,588 |
| Total domestic deposits to total assets | 74.1624% | 6,918 |
| Equity capital to assets | 22.6762% | 225 |
| Core capital (leverage) ratio | 21.0661% | 258 |
| Tier 1 risk-based capital ratio | 42.0427% | 248 |
| Total risk-based capital ratio | 48.3905% | 190 |
| Memoranda: | ||
| Average total assets | $380,404,250 | 1,811 |
| Average earning assets | $356,473,500 | 1,769 |
| Average equity | $88,058,250 | 745 |
| Average total loans | $222,805,000 | 2,110 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 7,656 |
| Cost of funding earning assets | 1.7253% | 5,146 |
| Net interest margin | 2.7393% | 7,122 |
| Noninterest income to average assets | 0.5287% | 4,196 |
| Noninterest expense to average assets | 2.3738% | 6,545 |
| Loan and lease loss provision to assets | 0.1051% | 6,109 |
| Net operating income to assets | 0.4213% | 4,418 |
| Return on assets (ROA) | 0.8201% | 2,871 |
| Pretax return on assets | 1.2005% | 2,297 |
| Return on Equity (ROE) | 3.5173% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.5173% | 3,350 |
| Net charge-offs to loans | 0.0640% | 5,605 |
| Credit loss provision to net charge-offs | 277.4648% | 1,686 |
| Earnings coverage of net charge-offs (x) | 18.9859% | 1,388 |
| Efficiency ratio | 76.7466% | 3,558 |
| Assets per employee ($millions) | 6.2234% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 7,186 |
| Loan loss allowance to noncurrent loans | 47.2644% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 4,861 |
| Noncurrent loans to loans | 1.6727% | 3,988 |
| Net loans and leases to total assets | 57.6824% | 6,008 |
| Net loans and leases to deposits | 77.9755% | 4,879 |
| Net loans and leases to core deposits | 106.4556% | 3,781 |
| Total domestic deposits to total assets | 73.9751% | 6,952 |
| Equity capital to assets | 23.0970% | 246 |
| Core capital (leverage) ratio | 21.5307% | 291 |
| Tier 1 risk-based capital ratio | 43.5441% | 247 |
| Total risk-based capital ratio | 49.4148% | 196 |
| Memoranda: | ||
| Average total assets | $374,848,000 | 1,862 |
| Average earning assets | $350,892,000 | 1,817 |
| Average equity | $87,397,330 | 755 |
| Average total loans | $221,814,000 | 2,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 7,635 |
| Cost of funding earning assets | 1.7510% | 5,348 |
| Net interest margin | 2.8289% | 6,927 |
| Noninterest income to average assets | 0.5187% | 4,147 |
| Noninterest expense to average assets | 2.3444% | 6,389 |
| Loan and lease loss provision to assets | 0.1579% | 4,910 |
| Net operating income to assets | 0.4393% | 4,700 |
| Return on assets (ROA) | 1.1674% | 1,865 |
| Pretax return on assets | 1.7860% | 1,006 |
| Return on Equity (ROE) | 4.9831% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.9831% | 3,138 |
| Net charge-offs to loans | 0.1295% | 3,925 |
| Credit loss provision to net charge-offs | 204.1667% | 2,178 |
| Earnings coverage of net charge-offs (x) | 10.6528% | 1,935 |
| Efficiency ratio | 74.0000% | 3,822 |
| Assets per employee ($millions) | 6.1103% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 7,278 |
| Loan loss allowance to noncurrent loans | 39.0773% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 4,193 |
| Noncurrent loans to loans | 1.9535% | 3,334 |
| Net loans and leases to total assets | 59.0801% | 5,799 |
| Net loans and leases to deposits | 79.7302% | 4,655 |
| Net loans and leases to core deposits | 109.8102% | 3,458 |
| Total domestic deposits to total assets | 74.1001% | 6,872 |
| Equity capital to assets | 22.9874% | 276 |
| Core capital (leverage) ratio | 21.6637% | 321 |
| Tier 1 risk-based capital ratio | 43.9192% | 268 |
| Total risk-based capital ratio | 49.1715% | 227 |
| Memoranda: | ||
| Average total assets | $372,459,500 | 1,874 |
| Average earning assets | $348,823,000 | 1,835 |
| Average equity | $87,255,000 | 762 |
| Average total loans | $222,360,000 | 2,162 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 7,943 |
| Cost of funding earning assets | 2.1669% | 5,745 |
| Net interest margin | 2.6384% | 7,596 |
| Noninterest income to average assets | 0.5055% | 4,581 |
| Noninterest expense to average assets | 2.2477% | 6,845 |
| Loan and lease loss provision to assets | 0.1629% | 5,296 |
| Net operating income to assets | 0.4202% | 5,075 |
| Return on assets (ROA) | 0.6265% | 4,049 |
| Pretax return on assets | 0.8489% | 3,892 |
| Return on Equity (ROE) | 2.5521% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.5521% | 3,609 |
| Net charge-offs to loans | 0.0128% | 6,734 |
| Credit loss provision to net charge-offs | 2,274.0741% | 205 |
| Earnings coverage of net charge-offs (x) | 102.2963% | 420 |
| Efficiency ratio | 75.4095% | 3,340 |
| Assets per employee ($millions) | 6.1014% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 7,359 |
| Loan loss allowance to noncurrent loans | 40.9666% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0618% | 4,166 |
| Noncurrent loans to loans | 1.7737% | 3,102 |
| Net loans and leases to total assets | 59.4315% | 5,989 |
| Net loans and leases to deposits | 81.0735% | 4,858 |
| Net loans and leases to core deposits | 110.1579% | 3,766 |
| Total domestic deposits to total assets | 73.3057% | 6,776 |
| Equity capital to assets | 23.8667% | 292 |
| Core capital (leverage) ratio | 21.3719% | 358 |
| Tier 1 risk-based capital ratio | 43.5210% | 280 |
| Total risk-based capital ratio | 50.0505% | 226 |
| Memoranda: | ||
| Average total assets | $376,827,200 | 1,794 |
| Average earning assets | $353,508,000 | 1,751 |
| Average equity | $92,512,000 | 722 |
| Average total loans | $210,959,000 | 2,197 |