Home > Charles River Bank > Performance and Condition Ratios
Charles River Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 3,619 |
| Cost of funding earning assets | 0.9037% | 3,515 |
| Net interest margin | 3.2974% | 2,643 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.0464% | 1,051 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3345% | 3,979 |
| Return on assets (ROA) | 0.1976% | 4,179 |
| Pretax return on assets | 0.2530% | 4,139 |
| Return on Equity (ROE) | 3.7900% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.7886% | 3,034 |
| Net charge-offs to loans | 0.0142% | 2,124 |
| Credit loss provision to net charge-offs | -16.6667% | 4,431 |
| Earnings coverage of net charge-offs (x) | 46.1333% | 1,341 |
| Efficiency ratio | 87.2419% | 510 |
| Assets per employee ($millions) | 6.4427% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6916% | 4,140 |
| Loan loss allowance to noncurrent loans | 560.1533% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 2,960 |
| Noncurrent loans to loans | 0.1235% | 2,900 |
| Net loans and leases to total assets | 69.3300% | 1,886 |
| Net loans and leases to deposits | 74.5523% | 2,580 |
| Net loans and leases to core deposits | 83.2008% | 2,511 |
| Total domestic deposits to total assets | 93.0000% | 174 |
| Equity capital to assets | 5.7753% | 4,281 |
| Core capital (leverage) ratio | 7.6398% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8822% | 1,905 |
| Memoranda: | ||
| Average total assets | $310,659,800 | 2,373 |
| Average earning assets | $285,499,600 | 2,377 |
| Average equity | $16,206,400 | 3,163 |
| Average total loans | $211,572,000 | 2,217 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 3,613 |
| Cost of funding earning assets | 0.7911% | 3,544 |
| Net interest margin | 3.3338% | 2,611 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.0524% | 987 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3540% | 4,040 |
| Return on assets (ROA) | 0.3540% | 4,044 |
| Pretax return on assets | 0.4551% | 3,981 |
| Return on Equity (ROE) | 6.9700% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.9661% | 2,297 |
| Net charge-offs to loans | 0.0189% | 1,750 |
| Credit loss provision to net charge-offs | -16.6667% | 4,481 |
| Earnings coverage of net charge-offs (x) | 37.5667% | 1,487 |
| Efficiency ratio | 86.3955% | 497 |
| Assets per employee ($millions) | 6.3933% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7046% | 4,132 |
| Loan loss allowance to noncurrent loans | 606.6390% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,069 |
| Noncurrent loans to loans | 0.1162% | 2,988 |
| Net loans and leases to total assets | 67.1300% | 2,150 |
| Net loans and leases to deposits | 71.4734% | 2,741 |
| Net loans and leases to core deposits | 82.1062% | 2,459 |
| Total domestic deposits to total assets | 93.9300% | 193 |
| Equity capital to assets | 4.8153% | 4,286 |
| Core capital (leverage) ratio | 7.6747% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8783% | 1,941 |
| Memoranda: | ||
| Average total assets | $312,623,250 | 2,362 |
| Average earning assets | $287,355,000 | 2,373 |
| Average equity | $15,886,000 | 3,182 |
| Average total loans | $211,613,750 | 2,218 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,620 |
| Cost of funding earning assets | 0.6568% | 3,609 |
| Net interest margin | 3.3746% | 2,588 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.0063% | 1,038 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4317% | 3,941 |
| Return on assets (ROA) | 0.4317% | 3,946 |
| Pretax return on assets | 0.5576% | 3,872 |
| Return on Equity (ROE) | 8.3500% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.3540% | 1,860 |
| Net charge-offs to loans | 0.0216% | 1,454 |
| Credit loss provision to net charge-offs | -21.7391% | 4,512 |
| Earnings coverage of net charge-offs (x) | 40.7391% | 1,390 |
| Efficiency ratio | 83.4598% | 627 |
| Assets per employee ($millions) | 6.4908% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 4,170 |
| Loan loss allowance to noncurrent loans | 611.6667% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,015 |
| Noncurrent loans to loans | 0.1151% | 2,903 |
| Net loans and leases to total assets | 65.0900% | 2,268 |
| Net loans and leases to deposits | 69.4767% | 2,831 |
| Net loans and leases to core deposits | 79.3041% | 2,521 |
| Total domestic deposits to total assets | 93.6900% | 173 |
| Equity capital to assets | 5.1722% | 4,350 |
| Core capital (leverage) ratio | 7.5600% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8070% | 1,978 |
| Memoranda: | ||
| Average total assets | $314,538,333 | 2,356 |
| Average earning assets | $289,276,333 | 2,376 |
| Average equity | $16,255,667 | 3,167 |
| Average total loans | $212,991,000 | 2,204 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 3,600 |
| Cost of funding earning assets | 0.5113% | 3,651 |
| Net interest margin | 3.4245% | 2,568 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 3.0142% | 1,039 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5409% | 3,808 |
| Return on assets (ROA) | 0.5409% | 3,770 |
| Pretax return on assets | 0.7264% | 3,610 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.4713% | 1,583 |
| Net charge-offs to loans | 0.0409% | 950 |
| Credit loss provision to net charge-offs | -227.2727% | 4,610 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,349 |
| Efficiency ratio | 80.1701% | 819 |
| Assets per employee ($millions) | 6.3521% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 4,288 |
| Loan loss allowance to noncurrent loans | 608.9744% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,060 |
| Noncurrent loans to loans | 0.1087% | 2,986 |
| Net loans and leases to total assets | 67.3100% | 1,921 |
| Net loans and leases to deposits | 71.9307% | 2,476 |
| Net loans and leases to core deposits | 78.0452% | 2,386 |
| Total domestic deposits to total assets | 93.5800% | 218 |
| Equity capital to assets | 5.2889% | 4,375 |
| Core capital (leverage) ratio | 7.6169% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1858% | 2,313 |
| Memoranda: | ||
| Average total assets | $312,784,000 | 2,396 |
| Average earning assets | $287,106,500 | 2,416 |
| Average equity | $16,158,500 | 3,203 |
| Average total loans | $215,238,500 | 2,202 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 3,056 |
| Cost of funding earning assets | 0.2567% | 3,273 |
| Net interest margin | 3.2498% | 2,702 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.7700% | 1,382 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4241% | 4,218 |
| Return on assets (ROA) | 0.3523% | 4,274 |
| Pretax return on assets | 0.4635% | 4,216 |
| Return on Equity (ROE) | 6.4200% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.4166% | 2,488 |
| Net charge-offs to loans | 0.0010% | 2,548 |
| Credit loss provision to net charge-offs | 6,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 962.5000% | 180 |
| Efficiency ratio | 82.4088% | 573 |
| Assets per employee ($millions) | 6.1592% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,213 |
| Loan loss allowance to noncurrent loans | 210.2528% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 1,987 |
| Noncurrent loans to loans | 0.3307% | 1,967 |
| Net loans and leases to total assets | 69.4200% | 1,693 |
| Net loans and leases to deposits | 75.1364% | 2,163 |
| Net loans and leases to core deposits | 81.0412% | 2,072 |
| Total domestic deposits to total assets | 92.3900% | 547 |
| Equity capital to assets | 5.0393% | 4,357 |
| Core capital (leverage) ratio | 7.2487% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8773% | 2,425 |
| Memoranda: | ||
| Average total assets | $325,555,600 | 2,319 |
| Average earning assets | $300,323,400 | 2,331 |
| Average equity | $17,875,400 | 3,134 |
| Average total loans | $209,813,400 | 2,168 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3758% | 2,977 |
| Cost of funding earning assets | 0.2078% | 3,177 |
| Net interest margin | 3.1680% | 2,720 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.7272% | 1,409 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.4041% | 4,239 |
| Return on assets (ROA) | 0.4041% | 4,181 |
| Pretax return on assets | 0.5281% | 4,103 |
| Return on Equity (ROE) | 7.2200% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.2209% | 2,291 |
| Net charge-offs to loans | 0.0013% | 2,270 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 698.5000% | 235 |
| Efficiency ratio | 82.8505% | 615 |
| Assets per employee ($millions) | 6.5373% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 4,294 |
| Loan loss allowance to noncurrent loans | 204.9020% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,147 |
| Noncurrent loans to loans | 0.3298% | 2,047 |
| Net loans and leases to total assets | 65.7800% | 1,911 |
| Net loans and leases to deposits | 69.6245% | 2,397 |
| Net loans and leases to core deposits | 75.9629% | 2,194 |
| Total domestic deposits to total assets | 94.4800% | 293 |
| Equity capital to assets | 4.4591% | 4,406 |
| Core capital (leverage) ratio | 6.9977% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6638% | 2,591 |
| Memoranda: | ||
| Average total assets | $329,954,250 | 2,318 |
| Average earning assets | $304,788,500 | 2,326 |
| Average equity | $18,464,500 | 3,117 |
| Average total loans | $208,449,500 | 2,180 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2329% | 2,945 |
| Cost of funding earning assets | 0.1992% | 2,920 |
| Net interest margin | 3.0337% | 2,790 |
| Noninterest income to average assets | 0.3595% | 2,995 |
| Noninterest expense to average assets | 2.6914% | 1,409 |
| Loan and lease loss provision to assets | 0.0272% | 2,106 |
| Net operating income to assets | 0.3511% | 4,205 |
| Return on assets (ROA) | 0.3511% | 4,160 |
| Pretax return on assets | 0.4478% | 4,086 |
| Return on Equity (ROE) | 5.8803% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.8803% | 2,373 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 623 |
| Assets per employee ($millions) | 6.6942% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,388 |
| Loan loss allowance to noncurrent loans | 184.7656% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,147 |
| Noncurrent loans to loans | 0.3614% | 2,063 |
| Net loans and leases to total assets | 64.3551% | 1,865 |
| Net loans and leases to deposits | 68.7216% | 2,324 |
| Net loans and leases to core deposits | 76.9294% | 1,928 |
| Total domestic deposits to total assets | 93.6460% | 362 |
| Equity capital to assets | 5.2760% | 4,423 |
| Core capital (leverage) ratio | 6.8184% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6217% | 2,644 |
| Memoranda: | ||
| Average total assets | $330,984,667 | 2,321 |
| Average earning assets | $306,226,667 | 2,343 |
| Average equity | $19,761,000 | 3,089 |
| Average total loans | $205,771,000 | 2,193 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 2,782 |
| Cost of funding earning assets | 0.2226% | 2,496 |
| Net interest margin | 2.9466% | 2,684 |
| Noninterest income to average assets | 0.3525% | 2,986 |
| Noninterest expense to average assets | 2.6721% | 1,423 |
| Loan and lease loss provision to assets | 0.0541% | 1,414 |
| Net operating income to assets | 0.2671% | 4,205 |
| Return on assets (ROA) | 0.2671% | 4,174 |
| Pretax return on assets | 0.3501% | 4,110 |
| Return on Equity (ROE) | 4.2309% | 3,818 |
| Retained earnings to average equity (ytd only) | 4.2309% | 2,860 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8596% | 685 |
| Assets per employee ($millions) | 6.9995% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,391 |
| Loan loss allowance to noncurrent loans | 166.4319% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 2,130 |
| Noncurrent loans to loans | 0.4176% | 1,995 |
| Net loans and leases to total assets | 60.3102% | 2,032 |
| Net loans and leases to deposits | 64.7329% | 2,462 |
| Net loans and leases to core deposits | 72.6923% | 2,051 |
| Total domestic deposits to total assets | 93.1677% | 233 |
| Equity capital to assets | 5.7923% | 4,620 |
| Core capital (leverage) ratio | 6.8393% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6876% | 2,722 |
| Memoranda: | ||
| Average total assets | $332,469,000 | 2,329 |
| Average earning assets | $307,339,000 | 2,350 |
| Average equity | $20,988,500 | 3,056 |
| Average total loans | $202,399,500 | 2,208 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 3,083 |
| Cost of funding earning assets | 0.3650% | 1,809 |
| Net interest margin | 2.9749% | 3,262 |
| Noninterest income to average assets | 0.5782% | 2,245 |
| Noninterest expense to average assets | 2.7293% | 1,550 |
| Loan and lease loss provision to assets | 0.0479% | 2,105 |
| Net operating income to assets | 0.3255% | 4,391 |
| Return on assets (ROA) | 0.3255% | 4,412 |
| Pretax return on assets | 0.4306% | 4,358 |
| Return on Equity (ROE) | 4.5143% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.5143% | 2,998 |
| Net charge-offs to loans | -0.0005% | 3,230 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0827% | 513 |
| Assets per employee ($millions) | 6.4502% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6904% | 4,442 |
| Loan loss allowance to noncurrent loans | 173.4668% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,342 |
| Noncurrent loans to loans | 0.3980% | 2,163 |
| Net loans and leases to total assets | 60.6049% | 2,096 |
| Net loans and leases to deposits | 65.7982% | 2,533 |
| Net loans and leases to core deposits | 74.4926% | 2,038 |
| Total domestic deposits to total assets | 92.1072% | 152 |
| Equity capital to assets | 6.8446% | 4,743 |
| Core capital (leverage) ratio | 6.8579% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9791% | 2,641 |
| Memoranda: | ||
| Average total assets | $313,043,000 | 2,379 |
| Average earning assets | $276,714,000 | 2,451 |
| Average equity | $22,572,600 | 3,012 |
| Average total loans | $199,824,200 | 2,233 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 3,033 |
| Cost of funding earning assets | 0.3899% | 1,778 |
| Net interest margin | 3.0340% | 3,218 |
| Noninterest income to average assets | 0.6070% | 2,190 |
| Noninterest expense to average assets | 2.6531% | 1,698 |
| Loan and lease loss provision to assets | 0.0411% | 2,176 |
| Net operating income to assets | 0.4167% | 4,351 |
| Return on assets (ROA) | 0.4167% | 4,380 |
| Pretax return on assets | 0.5578% | 4,289 |
| Return on Equity (ROE) | 5.7023% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.7023% | 2,953 |
| Net charge-offs to loans | 0.0013% | 2,375 |
| Credit loss provision to net charge-offs | 4,750.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 694.0000% | 228 |
| Efficiency ratio | 81.5866% | 661 |
| Assets per employee ($millions) | 6.9739% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 4,570 |
| Loan loss allowance to noncurrent loans | 163.9851% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 2,548 |
| Noncurrent loans to loans | 0.3963% | 2,372 |
| Net loans and leases to total assets | 61.8011% | 2,028 |
| Net loans and leases to deposits | 67.1707% | 2,525 |
| Net loans and leases to core deposits | 76.0234% | 2,045 |
| Total domestic deposits to total assets | 92.0060% | 126 |
| Equity capital to assets | 6.9335% | 4,821 |
| Core capital (leverage) ratio | 7.1662% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7011% | 2,801 |
| Memoranda: | ||
| Average total assets | $309,063,750 | 2,419 |
| Average earning assets | $269,431,250 | 2,511 |
| Average equity | $22,586,750 | 3,050 |
| Average total loans | $199,592,250 | 2,274 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 2,792 |
| Cost of funding earning assets | 0.4196% | 1,740 |
| Net interest margin | 3.1231% | 2,975 |
| Noninterest income to average assets | 0.6776% | 1,900 |
| Noninterest expense to average assets | 2.6999% | 1,593 |
| Loan and lease loss provision to assets | 0.0330% | 2,319 |
| Net operating income to assets | 0.4782% | 4,264 |
| Return on assets (ROA) | 0.4782% | 4,305 |
| Pretax return on assets | 0.6433% | 4,167 |
| Return on Equity (ROE) | 6.4240% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.4240% | 2,652 |
| Net charge-offs to loans | 0.0020% | 2,134 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 512.0000% | 256 |
| Efficiency ratio | 79.9687% | 784 |
| Assets per employee ($millions) | 6.4030% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 4,606 |
| Loan loss allowance to noncurrent loans | 89.8520% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 1,825 |
| Noncurrent loans to loans | 0.7149% | 1,654 |
| Net loans and leases to total assets | 62.8603% | 2,075 |
| Net loans and leases to deposits | 68.5519% | 2,564 |
| Net loans and leases to core deposits | 77.9837% | 2,047 |
| Total domestic deposits to total assets | 91.6975% | 193 |
| Equity capital to assets | 7.2689% | 4,790 |
| Core capital (leverage) ratio | 7.2040% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8736% | 2,756 |
| Memoranda: | ||
| Average total assets | $302,828,000 | 2,444 |
| Average earning assets | $261,661,000 | 2,549 |
| Average equity | $22,540,333 | 3,048 |
| Average total loans | $198,159,333 | 2,290 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 2,524 |
| Cost of funding earning assets | 0.4483% | 1,736 |
| Net interest margin | 3.1896% | 2,737 |
| Noninterest income to average assets | 0.6497% | 2,029 |
| Noninterest expense to average assets | 2.7643% | 1,457 |
| Loan and lease loss provision to assets | 0.0336% | 2,330 |
| Net operating income to assets | 0.4412% | 4,286 |
| Return on assets (ROA) | 0.4412% | 4,319 |
| Pretax return on assets | 0.5892% | 4,207 |
| Return on Equity (ROE) | 5.8552% | 3,896 |
| Retained earnings to average equity (ytd only) | 5.8552% | 2,942 |
| Net charge-offs to loans | 0.0061% | 1,684 |
| Credit loss provision to net charge-offs | 833.3333% | 461 |
| Earnings coverage of net charge-offs (x) | 154.3333% | 480 |
| Efficiency ratio | 81.6124% | 721 |
| Assets per employee ($millions) | 6.7832% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6367% | 4,645 |
| Loan loss allowance to noncurrent loans | 88.1320% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 1,990 |
| Noncurrent loans to loans | 0.7224% | 1,801 |
| Net loans and leases to total assets | 64.1628% | 2,020 |
| Net loans and leases to deposits | 69.9860% | 2,505 |
| Net loans and leases to core deposits | 79.6413% | 2,038 |
| Total domestic deposits to total assets | 91.6794% | 199 |
| Equity capital to assets | 7.2503% | 4,787 |
| Core capital (leverage) ratio | 7.4733% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2173% | 2,588 |
| Memoranda: | ||
| Average total assets | $297,368,000 | 2,452 |
| Average earning assets | $255,203,000 | 2,572 |
| Average equity | $22,407,500 | 3,051 |
| Average total loans | $197,990,000 | 2,296 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 3,442 |
| Cost of funding earning assets | 0.7132% | 1,656 |
| Net interest margin | 3.0372% | 3,800 |
| Noninterest income to average assets | 0.8067% | 1,513 |
| Noninterest expense to average assets | 2.9180% | 1,636 |
| Loan and lease loss provision to assets | 0.0405% | 3,894 |
| Net operating income to assets | 0.4470% | 4,146 |
| Return on assets (ROA) | 0.4426% | 4,238 |
| Pretax return on assets | 0.5985% | 4,083 |
| Return on Equity (ROE) | 5.4791% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.4791% | 2,056 |
| Net charge-offs to loans | 0.0021% | 3,328 |
| Credit loss provision to net charge-offs | 2,750.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 437.2500% | 259 |
| Efficiency ratio | 81.9075% | 753 |
| Assets per employee ($millions) | 6.2933% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 4,696 |
| Loan loss allowance to noncurrent loans | 86.9231% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,084 |
| Noncurrent loans to loans | 0.7191% | 1,899 |
| Net loans and leases to total assets | 68.2675% | 1,790 |
| Net loans and leases to deposits | 74.9762% | 2,382 |
| Net loans and leases to core deposits | 86.0592% | 1,862 |
| Total domestic deposits to total assets | 91.0523% | 214 |
| Equity capital to assets | 7.8358% | 4,763 |
| Core capital (leverage) ratio | 7.6429% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3456% | 2,505 |
| Memoranda: | ||
| Average total assets | $271,352,200 | 2,454 |
| Average earning assets | $246,215,000 | 2,483 |
| Average equity | $21,919,600 | 3,014 |
| Average total loans | $190,232,600 | 2,323 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 3,634 |
| Cost of funding earning assets | 0.7562% | 1,697 |
| Net interest margin | 3.0193% | 3,929 |
| Noninterest income to average assets | 0.8255% | 1,405 |
| Noninterest expense to average assets | 2.9168% | 1,661 |
| Loan and lease loss provision to assets | 0.0289% | 3,971 |
| Net operating income to assets | 0.4851% | 4,074 |
| Return on assets (ROA) | 0.4792% | 4,164 |
| Pretax return on assets | 0.6476% | 4,012 |
| Return on Equity (ROE) | 5.8846% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.8846% | 2,149 |
| Net charge-offs to loans | 0.0028% | 3,071 |
| Credit loss provision to net charge-offs | 1,450.0000% | 628 |
| Earnings coverage of net charge-offs (x) | 342.2500% | 322 |
| Efficiency ratio | 81.0019% | 796 |
| Assets per employee ($millions) | 6.2568% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 4,733 |
| Loan loss allowance to noncurrent loans | 83.2869% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,163 |
| Noncurrent loans to loans | 0.7143% | 2,007 |
| Net loans and leases to total assets | 70.9760% | 1,821 |
| Net loans and leases to deposits | 80.6836% | 2,241 |
| Net loans and leases to core deposits | 90.6624% | 1,914 |
| Total domestic deposits to total assets | 87.9683% | 1,227 |
| Equity capital to assets | 7.9970% | 4,714 |
| Core capital (leverage) ratio | 7.7157% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5852% | 2,375 |
| Memoranda: | ||
| Average total assets | $266,817,250 | 2,461 |
| Average earning assets | $245,259,500 | 2,481 |
| Average equity | $21,728,500 | 3,022 |
| Average total loans | $188,072,750 | 2,345 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 3,652 |
| Cost of funding earning assets | 0.7838% | 1,909 |
| Net interest margin | 3.1067% | 3,888 |
| Noninterest income to average assets | 0.7010% | 1,732 |
| Noninterest expense to average assets | 2.9102% | 1,799 |
| Loan and lease loss provision to assets | 0.0115% | 4,075 |
| Net operating income to assets | 0.4627% | 4,104 |
| Return on assets (ROA) | 0.4536% | 4,186 |
| Pretax return on assets | 0.6163% | 4,027 |
| Return on Equity (ROE) | 5.5343% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.5343% | 2,265 |
| Net charge-offs to loans | -0.0011% | 3,759 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9923% | 757 |
| Assets per employee ($millions) | 6.3545% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 4,754 |
| Loan loss allowance to noncurrent loans | 88.2263% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 2,446 |
| Noncurrent loans to loans | 0.6635% | 2,203 |
| Net loans and leases to total assets | 70.0948% | 2,013 |
| Net loans and leases to deposits | 79.5665% | 2,478 |
| Net loans and leases to core deposits | 89.5297% | 2,109 |
| Total domestic deposits to total assets | 88.0959% | 1,125 |
| Equity capital to assets | 7.9353% | 4,752 |
| Core capital (leverage) ratio | 7.7574% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6331% | 2,346 |
| Memoranda: | ||
| Average total assets | $261,904,000 | 2,467 |
| Average earning assets | $240,127,000 | 2,489 |
| Average equity | $21,466,000 | 3,033 |
| Average total loans | $183,752,333 | 2,368 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,493 |
| Cost of funding earning assets | 0.8479% | 2,125 |
| Net interest margin | 3.2639% | 3,679 |
| Noninterest income to average assets | 0.5374% | 2,348 |
| Noninterest expense to average assets | 2.9812% | 1,928 |
| Loan and lease loss provision to assets | 0.0126% | 3,621 |
| Net operating income to assets | 0.4107% | 4,113 |
| Return on assets (ROA) | 0.3920% | 4,186 |
| Pretax return on assets | 0.5137% | 4,101 |
| Return on Equity (ROE) | 4.7002% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.7002% | 2,418 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4226% | 803 |
| Assets per employee ($millions) | 5.4180% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 4,708 |
| Loan loss allowance to noncurrent loans | 140.0978% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 3,135 |
| Noncurrent loans to loans | 0.4548% | 2,887 |
| Net loans and leases to total assets | 71.7096% | 1,964 |
| Net loans and leases to deposits | 82.5278% | 2,384 |
| Net loans and leases to core deposits | 95.2178% | 1,864 |
| Total domestic deposits to total assets | 86.8914% | 1,604 |
| Equity capital to assets | 8.6793% | 4,752 |
| Core capital (leverage) ratio | 8.1301% | 4,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7486% | 2,374 |
| Memoranda: | ||
| Average total assets | $253,056,000 | 2,477 |
| Average earning assets | $232,112,000 | 2,488 |
| Average equity | $21,105,500 | 3,063 |
| Average total loans | $177,059,000 | 2,390 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 4,212 |
| Cost of funding earning assets | 0.8717% | 2,325 |
| Net interest margin | 3.1468% | 4,293 |
| Noninterest income to average assets | 0.5780% | 2,323 |
| Noninterest expense to average assets | 3.0535% | 1,869 |
| Loan and lease loss provision to assets | 0.0197% | 3,629 |
| Net operating income to assets | 0.2969% | 4,751 |
| Return on assets (ROA) | 0.2969% | 4,784 |
| Pretax return on assets | 0.3801% | 4,743 |
| Return on Equity (ROE) | 3.6844% | 4,539 |
| Retained earnings to average equity (ytd only) | 3.6844% | 3,153 |
| Net charge-offs to loans | 0.0120% | 3,261 |
| Credit loss provision to net charge-offs | 233.3333% | 1,150 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,171 |
| Efficiency ratio | 88.4217% | 417 |
| Assets per employee ($millions) | 5.4657% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6536% | 4,641 |
| Loan loss allowance to noncurrent loans | 107.4528% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 2,742 |
| Noncurrent loans to loans | 0.6083% | 2,364 |
| Net loans and leases to total assets | 67.3894% | 2,772 |
| Net loans and leases to deposits | 78.5878% | 2,948 |
| Net loans and leases to core deposits | 90.1124% | 2,414 |
| Total domestic deposits to total assets | 85.7505% | 2,159 |
| Equity capital to assets | 8.0113% | 5,057 |
| Core capital (leverage) ratio | 8.0556% | 5,021 |
| Tier 1 risk-based capital ratio | 12.9300% | 3,822 |
| Total risk-based capital ratio | 13.6723% | 3,987 |
| Memoranda: | ||
| Average total assets | $248,599,600 | 2,471 |
| Average earning assets | $227,150,600 | 2,481 |
| Average equity | $20,030,400 | 3,133 |
| Average total loans | $175,397,600 | 2,368 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 4,261 |
| Cost of funding earning assets | 0.8625% | 2,398 |
| Net interest margin | 3.1858% | 4,331 |
| Noninterest income to average assets | 0.5565% | 2,426 |
| Noninterest expense to average assets | 3.0297% | 1,893 |
| Loan and lease loss provision to assets | 0.0184% | 3,541 |
| Net operating income to assets | 0.3245% | 4,812 |
| Return on assets (ROA) | 0.3245% | 4,836 |
| Pretax return on assets | 0.4170% | 4,791 |
| Return on Equity (ROE) | 4.0214% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.0214% | 3,387 |
| Net charge-offs to loans | 0.0121% | 2,927 |
| Credit loss provision to net charge-offs | 212.5000% | 1,249 |
| Earnings coverage of net charge-offs (x) | 50.3193% | 1,184 |
| Efficiency ratio | 87.4356% | 430 |
| Assets per employee ($millions) | 5.5961% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 4,748 |
| Loan loss allowance to noncurrent loans | 122.6681% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 3,036 |
| Noncurrent loans to loans | 0.5228% | 2,726 |
| Net loans and leases to total assets | 69.5807% | 2,538 |
| Net loans and leases to deposits | 82.5226% | 2,617 |
| Net loans and leases to core deposits | 94.4735% | 2,139 |
| Total domestic deposits to total assets | 84.3172% | 2,706 |
| Equity capital to assets | 8.1466% | 5,102 |
| Core capital (leverage) ratio | 8.1474% | 5,076 |
| Tier 1 risk-based capital ratio | 12.9962% | 3,848 |
| Total risk-based capital ratio | 13.7417% | 4,025 |
| Memoranda: | ||
| Average total assets | $246,528,000 | 2,503 |
| Average earning assets | $225,078,250 | 2,521 |
| Average equity | $19,893,000 | 3,165 |
| Average total loans | $175,683,750 | 2,388 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 4,205 |
| Cost of funding earning assets | 0.8473% | 2,409 |
| Net interest margin | 3.2350% | 4,276 |
| Noninterest income to average assets | 0.5033% | 2,656 |
| Noninterest expense to average assets | 3.0389% | 1,890 |
| Loan and lease loss provision to assets | 0.0155% | 3,468 |
| Net operating income to assets | 0.3138% | 4,858 |
| Return on assets (ROA) | 0.3138% | 4,870 |
| Pretax return on assets | 0.4004% | 4,828 |
| Return on Equity (ROE) | 3.9013% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.9013% | 3,297 |
| Net charge-offs to loans | 0.0148% | 2,612 |
| Credit loss provision to net charge-offs | 146.1538% | 1,523 |
| Earnings coverage of net charge-offs (x) | 39.1538% | 1,261 |
| Efficiency ratio | 87.9612% | 443 |
| Assets per employee ($millions) | 5.7552% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 4,809 |
| Loan loss allowance to noncurrent loans | 121.3203% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 3,072 |
| Noncurrent loans to loans | 0.5277% | 2,699 |
| Net loans and leases to total assets | 68.6990% | 2,727 |
| Net loans and leases to deposits | 81.2230% | 2,812 |
| Net loans and leases to core deposits | 91.2757% | 2,479 |
| Total domestic deposits to total assets | 84.5807% | 2,651 |
| Equity capital to assets | 7.9679% | 5,179 |
| Core capital (leverage) ratio | 8.0440% | 5,152 |
| Tier 1 risk-based capital ratio | 12.9141% | 3,881 |
| Total risk-based capital ratio | 13.6550% | 4,056 |
| Memoranda: | ||
| Average total assets | $244,762,670 | 2,526 |
| Average earning assets | $223,309,000 | 2,546 |
| Average equity | $19,685,670 | 3,176 |
| Average total loans | $175,461,000 | 2,399 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 4,212 |
| Cost of funding earning assets | 0.8443% | 2,302 |
| Net interest margin | 3.2256% | 4,332 |
| Noninterest income to average assets | 0.4789% | 2,686 |
| Noninterest expense to average assets | 3.1015% | 1,730 |
| Loan and lease loss provision to assets | 0.0200% | 3,183 |
| Net operating income to assets | 0.2428% | 4,971 |
| Return on assets (ROA) | 0.2428% | 4,974 |
| Pretax return on assets | 0.2927% | 4,968 |
| Return on Equity (ROE) | 3.0041% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.0041% | 3,732 |
| Net charge-offs to loans | 0.0137% | 2,214 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,305 |
| Efficiency ratio | 90.8427% | 361 |
| Assets per employee ($millions) | 5.5668% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6401% | 4,866 |
| Loan loss allowance to noncurrent loans | 131.8501% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 3,210 |
| Noncurrent loans to loans | 0.4855% | 2,855 |
| Net loans and leases to total assets | 71.3546% | 2,277 |
| Net loans and leases to deposits | 85.9437% | 2,137 |
| Net loans and leases to core deposits | 96.8438% | 1,868 |
| Total domestic deposits to total assets | 83.0248% | 3,375 |
| Equity capital to assets | 8.0138% | 5,176 |
| Core capital (leverage) ratio | 8.2221% | 5,130 |
| Tier 1 risk-based capital ratio | 12.7177% | 4,032 |
| Total risk-based capital ratio | 13.4554% | 4,218 |
| Memoranda: | ||
| Average total assets | $240,530,000 | 2,580 |
| Average earning assets | $218,875,000 | 2,595 |
| Average equity | $19,440,000 | 3,207 |
| Average total loans | $175,648,500 | 2,418 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 4,021 |
| Cost of funding earning assets | 0.7229% | 1,938 |
| Net interest margin | 3.2794% | 4,311 |
| Noninterest income to average assets | 0.5447% | 2,581 |
| Noninterest expense to average assets | 3.2269% | 1,491 |
| Loan and lease loss provision to assets | 0.0163% | 3,828 |
| Net operating income to assets | 0.2174% | 5,089 |
| Return on assets (ROA) | 0.2107% | 5,092 |
| Pretax return on assets | 0.2561% | 5,079 |
| Return on Equity (ROE) | 2.5942% | 4,968 |
| Retained earnings to average equity (ytd only) | 2.5942% | 4,102 |
| Net charge-offs to loans | 0.0188% | 3,071 |
| Credit loss provision to net charge-offs | 115.1515% | 2,253 |
| Earnings coverage of net charge-offs (x) | 19.8485% | 2,035 |
| Efficiency ratio | 92.0024% | 278 |
| Assets per employee ($millions) | 5.4912% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 4,909 |
| Loan loss allowance to noncurrent loans | 270.5314% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,928 |
| Noncurrent loans to loans | 0.2360% | 3,737 |
| Net loans and leases to total assets | 73.8078% | 1,968 |
| Net loans and leases to deposits | 90.7777% | 1,701 |
| Net loans and leases to core deposits | 100.1471% | 1,709 |
| Total domestic deposits to total assets | 81.3061% | 3,824 |
| Equity capital to assets | 8.1531% | 5,108 |
| Core capital (leverage) ratio | 8.4342% | 5,058 |
| Tier 1 risk-based capital ratio | 12.9229% | 3,889 |
| Total risk-based capital ratio | 13.6748% | 4,056 |
| Memoranda: | ||
| Average total assets | $233,507,600 | 2,592 |
| Average earning assets | $210,955,800 | 2,631 |
| Average equity | $18,965,200 | 3,188 |
| Average total loans | $175,391,600 | 2,373 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 3,947 |
| Cost of funding earning assets | 0.6997% | 1,849 |
| Net interest margin | 3.2955% | 4,287 |
| Noninterest income to average assets | 0.5491% | 2,574 |
| Noninterest expense to average assets | 3.1996% | 1,521 |
| Loan and lease loss provision to assets | 0.0177% | 3,659 |
| Net operating income to assets | 0.2500% | 5,154 |
| Return on assets (ROA) | 0.2411% | 5,159 |
| Pretax return on assets | 0.2955% | 5,140 |
| Return on Equity (ROE) | 2.9709% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.9709% | 4,248 |
| Net charge-offs to loans | 0.0068% | 3,186 |
| Credit loss provision to net charge-offs | 344.4444% | 914 |
| Earnings coverage of net charge-offs (x) | 62.8875% | 1,028 |
| Efficiency ratio | 90.8027% | 304 |
| Assets per employee ($millions) | 5.6772% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 4,971 |
| Loan loss allowance to noncurrent loans | 234.7107% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,904 |
| Noncurrent loans to loans | 0.2773% | 3,693 |
| Net loans and leases to total assets | 74.5028% | 1,899 |
| Net loans and leases to deposits | 91.7226% | 1,656 |
| Net loans and leases to core deposits | 100.8098% | 1,713 |
| Total domestic deposits to total assets | 81.2263% | 3,811 |
| Equity capital to assets | 8.1171% | 5,127 |
| Core capital (leverage) ratio | 8.4230% | 5,131 |
| Tier 1 risk-based capital ratio | 12.8758% | 3,975 |
| Total risk-based capital ratio | 13.6388% | 4,151 |
| Memoranda: | ||
| Average total assets | $232,854,500 | 2,601 |
| Average earning assets | $210,177,250 | 2,649 |
| Average equity | $18,893,750 | 3,214 |
| Average total loans | $175,390,750 | 2,384 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 4,038 |
| Cost of funding earning assets | 0.6727% | 1,791 |
| Net interest margin | 3.2400% | 4,407 |
| Noninterest income to average assets | 0.5256% | 2,720 |
| Noninterest expense to average assets | 3.1793% | 1,591 |
| Loan and lease loss provision to assets | 0.0137% | 3,599 |
| Net operating income to assets | 0.2183% | 5,216 |
| Return on assets (ROA) | 0.2044% | 5,217 |
| Pretax return on assets | 0.2405% | 5,210 |
| Return on Equity (ROE) | 2.5194% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.5194% | 4,249 |
| Net charge-offs to loans | 0.0080% | 2,841 |
| Credit loss provision to net charge-offs | 228.5714% | 1,198 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,209 |
| Efficiency ratio | 92.1583% | 306 |
| Assets per employee ($millions) | 5.3359% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 5,040 |
| Loan loss allowance to noncurrent loans | 231.1340% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 3,946 |
| Noncurrent loans to loans | 0.2762% | 3,720 |
| Net loans and leases to total assets | 76.0498% | 1,632 |
| Net loans and leases to deposits | 93.8230% | 1,376 |
| Net loans and leases to core deposits | 103.0406% | 1,478 |
| Total domestic deposits to total assets | 81.0567% | 3,980 |
| Equity capital to assets | 8.2160% | 5,122 |
| Core capital (leverage) ratio | 8.3434% | 5,192 |
| Tier 1 risk-based capital ratio | 12.7431% | 4,042 |
| Total risk-based capital ratio | 13.4969% | 4,221 |
| Memoranda: | ||
| Average total assets | $232,883,670 | 2,611 |
| Average earning assets | $210,186,330 | 2,669 |
| Average equity | $18,893,670 | 3,234 |
| Average total loans | $175,669,670 | 2,390 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 4,197 |
| Cost of funding earning assets | 0.6275% | 1,862 |
| Net interest margin | 3.1790% | 4,533 |
| Noninterest income to average assets | 0.5166% | 2,710 |
| Noninterest expense to average assets | 3.1525% | 1,685 |
| Loan and lease loss provision to assets | 0.0136% | 3,355 |
| Net operating income to assets | 0.2061% | 5,234 |
| Return on assets (ROA) | 0.1756% | 5,267 |
| Pretax return on assets | 0.1858% | 5,275 |
| Return on Equity (ROE) | 2.1782% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.1782% | 4,295 |
| Net charge-offs to loans | 0.0023% | 2,659 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 475 |
| Efficiency ratio | 93.1486% | 329 |
| Assets per employee ($millions) | 5.3330% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6310% | 5,132 |
| Loan loss allowance to noncurrent loans | 228.7169% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 4,049 |
| Noncurrent loans to loans | 0.2759% | 3,782 |
| Net loans and leases to total assets | 75.3720% | 1,641 |
| Net loans and leases to deposits | 92.4836% | 1,388 |
| Net loans and leases to core deposits | 101.7027% | 1,558 |
| Total domestic deposits to total assets | 81.4977% | 4,094 |
| Equity capital to assets | 8.0272% | 5,259 |
| Core capital (leverage) ratio | 8.2909% | 5,270 |
| Tier 1 risk-based capital ratio | 12.5059% | 4,232 |
| Total risk-based capital ratio | 13.2488% | 4,442 |
| Memoranda: | ||
| Average total assets | $234,604,000 | 2,628 |
| Average earning assets | $211,637,500 | 2,673 |
| Average equity | $18,915,000 | 3,253 |
| Average total loans | $175,698,500 | 2,406 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,128 |
| Cost of funding earning assets | 0.5520% | 1,935 |
| Net interest margin | 3.2236% | 4,378 |
| Noninterest income to average assets | 0.5773% | 2,570 |
| Noninterest expense to average assets | 3.0669% | 1,963 |
| Loan and lease loss provision to assets | 0.0197% | 3,903 |
| Net operating income to assets | 0.1530% | 5,193 |
| Return on assets (ROA) | 0.1670% | 5,178 |
| Pretax return on assets | 0.4331% | 5,039 |
| Return on Equity (ROE) | 2.0479% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.0479% | 4,092 |
| Net charge-offs to loans | 0.0012% | 4,084 |
| Credit loss provision to net charge-offs | 2,300.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 502.0000% | 172 |
| Efficiency ratio | 87.6795% | 552 |
| Assets per employee ($millions) | 5.4548% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 5,169 |
| Loan loss allowance to noncurrent loans | 268.0288% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 4,241 |
| Noncurrent loans to loans | 0.2399% | 3,942 |
| Net loans and leases to total assets | 73.4567% | 2,013 |
| Net loans and leases to deposits | 85.7698% | 2,289 |
| Net loans and leases to core deposits | 96.7205% | 1,967 |
| Total domestic deposits to total assets | 85.6439% | 2,596 |
| Equity capital to assets | 8.0979% | 5,349 |
| Core capital (leverage) ratio | 8.2185% | 5,343 |
| Tier 1 risk-based capital ratio | 12.5358% | 4,183 |
| Total risk-based capital ratio | 13.2814% | 4,389 |
| Memoranda: | ||
| Average total assets | $232,969,600 | 2,622 |
| Average earning assets | $211,066,200 | 2,652 |
| Average equity | $18,995,200 | 3,242 |
| Average total loans | $173,322,600 | 2,394 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7734% | 4,088 |
| Cost of funding earning assets | 0.5609% | 1,803 |
| Net interest margin | 3.2125% | 4,422 |
| Noninterest income to average assets | 0.6008% | 2,487 |
| Noninterest expense to average assets | 3.1015% | 1,798 |
| Loan and lease loss provision to assets | 0.0258% | 3,618 |
| Net operating income to assets | 0.2713% | 5,268 |
| Return on assets (ROA) | 0.2780% | 5,276 |
| Pretax return on assets | 0.4024% | 5,187 |
| Return on Equity (ROE) | 3.4042% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.4042% | 3,900 |
| Net charge-offs to loans | 0.0008% | 3,772 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 731.8120% | 143 |
| Efficiency ratio | 88.1107% | 506 |
| Assets per employee ($millions) | 5.0643% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 5,238 |
| Loan loss allowance to noncurrent loans | 268.0288% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,377 |
| Noncurrent loans to loans | 0.2423% | 4,084 |
| Net loans and leases to total assets | 74.8352% | 1,783 |
| Net loans and leases to deposits | 88.0887% | 2,049 |
| Net loans and leases to core deposits | 100.1180% | 1,698 |
| Total domestic deposits to total assets | 84.9544% | 2,730 |
| Equity capital to assets | 8.4552% | 5,312 |
| Core capital (leverage) ratio | 8.3202% | 5,358 |
| Tier 1 risk-based capital ratio | 13.0342% | 3,983 |
| Total risk-based capital ratio | 13.8055% | 4,191 |
| Memoranda: | ||
| Average total assets | $232,573,000 | 2,640 |
| Average earning assets | $211,333,250 | 2,670 |
| Average equity | $18,995,500 | 3,278 |
| Average total loans | $173,300,250 | 2,405 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,137 |
| Cost of funding earning assets | 0.5706% | 1,644 |
| Net interest margin | 3.1583% | 4,523 |
| Noninterest income to average assets | 0.5783% | 2,567 |
| Noninterest expense to average assets | 3.0555% | 1,957 |
| Loan and lease loss provision to assets | 0.0256% | 3,488 |
| Net operating income to assets | 0.2570% | 5,308 |
| Return on assets (ROA) | 0.2648% | 5,319 |
| Pretax return on assets | 0.3784% | 5,214 |
| Return on Equity (ROE) | 3.2797% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.2797% | 3,768 |
| Net charge-offs to loans | 0.0012% | 3,487 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 460.0000% | 181 |
| Efficiency ratio | 88.6054% | 521 |
| Assets per employee ($millions) | 5.3262% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 5,342 |
| Loan loss allowance to noncurrent loans | 264.9038% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,472 |
| Noncurrent loans to loans | 0.2360% | 4,185 |
| Net loans and leases to total assets | 74.7417% | 1,742 |
| Net loans and leases to deposits | 89.9524% | 1,734 |
| Net loans and leases to core deposits | 101.6511% | 1,535 |
| Total domestic deposits to total assets | 83.0903% | 3,539 |
| Equity capital to assets | 8.1570% | 5,465 |
| Core capital (leverage) ratio | 8.1936% | 5,433 |
| Tier 1 risk-based capital ratio | 12.5734% | 4,258 |
| Total risk-based capital ratio | 13.3145% | 4,467 |
| Memoranda: | ||
| Average total assets | $234,132,670 | 2,644 |
| Average earning assets | $212,771,330 | 2,673 |
| Average equity | $18,904,330 | 3,286 |
| Average total loans | $173,847,000 | 2,406 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 4,117 |
| Cost of funding earning assets | 0.5740% | 1,548 |
| Net interest margin | 3.1258% | 4,580 |
| Noninterest income to average assets | 0.6051% | 2,389 |
| Noninterest expense to average assets | 3.0612% | 1,980 |
| Loan and lease loss provision to assets | 0.0256% | 3,239 |
| Net operating income to assets | 0.2526% | 5,300 |
| Return on assets (ROA) | 0.2683% | 5,286 |
| Pretax return on assets | 0.3794% | 5,197 |
| Return on Equity (ROE) | 3.3407% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.3407% | 3,767 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8834% | 610 |
| Assets per employee ($millions) | 5.4253% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 5,435 |
| Loan loss allowance to noncurrent loans | 261.7788% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 4,527 |
| Noncurrent loans to loans | 0.2394% | 4,252 |
| Net loans and leases to total assets | 74.0240% | 1,739 |
| Net loans and leases to deposits | 88.0792% | 1,787 |
| Net loans and leases to core deposits | 99.3368% | 1,557 |
| Total domestic deposits to total assets | 84.0425% | 3,463 |
| Equity capital to assets | 8.0973% | 5,472 |
| Core capital (leverage) ratio | 8.0971% | 5,510 |
| Tier 1 risk-based capital ratio | 12.7132% | 4,252 |
| Total risk-based capital ratio | 13.4591% | 4,474 |
| Memoranda: | ||
| Average total assets | $234,023,500 | 2,670 |
| Average earning assets | $212,551,500 | 2,705 |
| Average equity | $18,798,500 | 3,311 |
| Average total loans | $172,640,500 | 2,430 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,345 |
| Cost of funding earning assets | 0.5638% | 1,579 |
| Net interest margin | 3.0935% | 4,744 |
| Noninterest income to average assets | 0.6615% | 2,361 |
| Noninterest expense to average assets | 3.0719% | 2,119 |
| Loan and lease loss provision to assets | 0.0166% | 4,046 |
| Net operating income to assets | 0.2773% | 5,268 |
| Return on assets (ROA) | 0.2827% | 5,322 |
| Pretax return on assets | 0.4072% | 5,221 |
| Return on Equity (ROE) | 3.4140% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.4140% | 3,495 |
| Net charge-offs to loans | 0.0012% | 4,239 |
| Credit loss provision to net charge-offs | 1,900.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 476.0000% | 173 |
| Efficiency ratio | 88.0747% | 676 |
| Assets per employee ($millions) | 5.3354% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6274% | 5,485 |
| Loan loss allowance to noncurrent loans | 179.3333% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,280 |
| Noncurrent loans to loans | 0.3498% | 3,877 |
| Net loans and leases to total assets | 72.5966% | 2,079 |
| Net loans and leases to deposits | 87.4734% | 1,990 |
| Net loans and leases to core deposits | 98.4751% | 1,738 |
| Total domestic deposits to total assets | 82.9928% | 3,770 |
| Equity capital to assets | 7.9686% | 5,580 |
| Core capital (leverage) ratio | 8.0038% | 5,618 |
| Tier 1 risk-based capital ratio | 12.8197% | 4,191 |
| Total risk-based capital ratio | 13.5680% | 4,383 |
| Memoranda: | ||
| Average total assets | $228,882,200 | 2,676 |
| Average earning assets | $209,119,000 | 2,701 |
| Average equity | $18,951,400 | 3,274 |
| Average total loans | $160,433,000 | 2,515 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 4,519 |
| Cost of funding earning assets | 0.5620% | 1,598 |
| Net interest margin | 3.0489% | 4,903 |
| Noninterest income to average assets | 0.7170% | 2,095 |
| Noninterest expense to average assets | 3.0663% | 2,108 |
| Loan and lease loss provision to assets | 0.0018% | 4,174 |
| Net operating income to assets | 0.3016% | 5,280 |
| Return on assets (ROA) | 0.3113% | 5,345 |
| Pretax return on assets | 0.4526% | 5,226 |
| Return on Equity (ROE) | 3.7238% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.7238% | 3,657 |
| Net charge-offs to loans | 0.0008% | 3,925 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 752.8647% | 120 |
| Efficiency ratio | 87.4436% | 710 |
| Assets per employee ($millions) | 5.9104% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 5,538 |
| Loan loss allowance to noncurrent loans | 173.8333% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 4,402 |
| Noncurrent loans to loans | 0.3718% | 3,932 |
| Net loans and leases to total assets | 69.5523% | 2,560 |
| Net loans and leases to deposits | 84.0884% | 2,473 |
| Net loans and leases to core deposits | 94.9050% | 2,112 |
| Total domestic deposits to total assets | 82.7133% | 3,701 |
| Equity capital to assets | 8.4145% | 5,580 |
| Core capital (leverage) ratio | 8.2402% | 5,546 |
| Tier 1 risk-based capital ratio | 13.2913% | 3,983 |
| Total risk-based capital ratio | 14.0478% | 4,190 |
| Memoranda: | ||
| Average total assets | $227,413,000 | 2,699 |
| Average earning assets | $208,069,250 | 2,724 |
| Average equity | $19,012,500 | 3,294 |
| Average total loans | $157,665,500 | 2,555 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 4,566 |
| Cost of funding earning assets | 0.5567% | 1,647 |
| Net interest margin | 3.0503% | 4,976 |
| Noninterest income to average assets | 0.7474% | 1,943 |
| Noninterest expense to average assets | 3.1213% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2933% | 5,348 |
| Return on assets (ROA) | 0.2933% | 5,430 |
| Pretax return on assets | 0.4241% | 5,297 |
| Return on Equity (ROE) | 3.5161% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.5161% | 3,660 |
| Net charge-offs to loans | -0.0013% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0389% | 723 |
| Assets per employee ($millions) | 5.3281% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 5,601 |
| Loan loss allowance to noncurrent loans | 172.7575% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 4,451 |
| Noncurrent loans to loans | 0.3795% | 4,003 |
| Net loans and leases to total assets | 68.7901% | 2,664 |
| Net loans and leases to deposits | 86.5595% | 2,180 |
| Net loans and leases to core deposits | 99.0578% | 1,716 |
| Total domestic deposits to total assets | 79.4714% | 4,678 |
| Equity capital to assets | 8.4169% | 5,644 |
| Core capital (leverage) ratio | 8.1011% | 5,670 |
| Tier 1 risk-based capital ratio | 13.6433% | 3,808 |
| Total risk-based capital ratio | 14.4274% | 4,009 |
| Memoranda: | ||
| Average total assets | $226,381,670 | 2,720 |
| Average earning assets | $207,651,670 | 2,736 |
| Average equity | $18,884,670 | 3,317 |
| Average total loans | $156,432,000 | 2,570 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,655 |
| Cost of funding earning assets | 0.5402% | 1,791 |
| Net interest margin | 3.0476% | 5,010 |
| Noninterest income to average assets | 0.8177% | 1,567 |
| Noninterest expense to average assets | 3.1162% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3413% | 5,175 |
| Return on assets (ROA) | 0.3413% | 5,262 |
| Pretax return on assets | 0.4995% | 5,090 |
| Return on Equity (ROE) | 4.1102% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.1102% | 3,433 |
| Net charge-offs to loans | -0.0026% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1849% | 957 |
| Assets per employee ($millions) | 5.3062% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 5,652 |
| Loan loss allowance to noncurrent loans | 93.0419% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 3,639 |
| Noncurrent loans to loans | 0.7168% | 3,042 |
| Net loans and leases to total assets | 68.0838% | 2,637 |
| Net loans and leases to deposits | 87.8682% | 1,846 |
| Net loans and leases to core deposits | 98.9995% | 1,564 |
| Total domestic deposits to total assets | 77.4839% | 5,219 |
| Equity capital to assets | 8.3299% | 5,676 |
| Core capital (leverage) ratio | 8.3615% | 5,504 |
| Tier 1 risk-based capital ratio | 13.6858% | 3,878 |
| Total risk-based capital ratio | 14.4776% | 4,059 |
| Memoranda: | ||
| Average total assets | $225,017,500 | 2,734 |
| Average earning assets | $206,588,000 | 2,755 |
| Average equity | $18,685,000 | 3,346 |
| Average total loans | $155,325,500 | 2,579 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,715 |
| Cost of funding earning assets | 0.5884% | 1,445 |
| Net interest margin | 2.9959% | 5,148 |
| Noninterest income to average assets | 0.8850% | 1,483 |
| Noninterest expense to average assets | 3.2825% | 1,755 |
| Loan and lease loss provision to assets | 0.0372% | 3,605 |
| Net operating income to assets | 0.2243% | 5,526 |
| Return on assets (ROA) | 0.2348% | 5,576 |
| Pretax return on assets | 0.3337% | 5,450 |
| Return on Equity (ROE) | 2.8256% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.8256% | 4,060 |
| Net charge-offs to loans | 0.1165% | 2,208 |
| Credit loss provision to net charge-offs | 47.6744% | 3,439 |
| Earnings coverage of net charge-offs (x) | 4.5581% | 3,529 |
| Efficiency ratio | 90.2159% | 680 |
| Assets per employee ($millions) | 5.0425% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 5,679 |
| Loan loss allowance to noncurrent loans | 124.9102% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 3,493 |
| Noncurrent loans to loans | 0.5413% | 3,540 |
| Net loans and leases to total assets | 69.0592% | 2,535 |
| Net loans and leases to deposits | 82.2959% | 2,553 |
| Net loans and leases to core deposits | 94.6972% | 1,975 |
| Total domestic deposits to total assets | 83.9157% | 3,511 |
| Equity capital to assets | 8.2770% | 5,722 |
| Core capital (leverage) ratio | 8.1901% | 5,710 |
| Tier 1 risk-based capital ratio | 13.9027% | 3,769 |
| Total risk-based capital ratio | 14.7162% | 3,961 |
| Memoranda: | ||
| Average total assets | $220,225,200 | 2,742 |
| Average earning assets | $202,411,000 | 2,754 |
| Average equity | $18,297,000 | 3,341 |
| Average total loans | $147,636,600 | 2,631 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,821 |
| Cost of funding earning assets | 0.5912% | 1,462 |
| Net interest margin | 2.9789% | 5,251 |
| Noninterest income to average assets | 0.9735% | 1,245 |
| Noninterest expense to average assets | 3.2809% | 1,741 |
| Loan and lease loss provision to assets | 0.0497% | 3,216 |
| Net operating income to assets | 0.2686% | 5,539 |
| Return on assets (ROA) | 0.2796% | 5,588 |
| Pretax return on assets | 0.4003% | 5,465 |
| Return on Equity (ROE) | 3.3624% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.3624% | 4,077 |
| Net charge-offs to loans | 0.1553% | 1,587 |
| Credit loss provision to net charge-offs | 48.2353% | 3,060 |
| Earnings coverage of net charge-offs (x) | 4.2118% | 3,382 |
| Efficiency ratio | 88.3102% | 813 |
| Assets per employee ($millions) | 5.0467% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 5,754 |
| Loan loss allowance to noncurrent loans | 108.8727% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 3,365 |
| Noncurrent loans to loans | 0.6326% | 3,423 |
| Net loans and leases to total assets | 67.7271% | 2,725 |
| Net loans and leases to deposits | 82.8218% | 2,549 |
| Net loans and leases to core deposits | 95.4512% | 1,935 |
| Total domestic deposits to total assets | 81.7744% | 4,235 |
| Equity capital to assets | 8.4055% | 5,758 |
| Core capital (leverage) ratio | 8.1461% | 5,815 |
| Tier 1 risk-based capital ratio | 13.9785% | 3,857 |
| Total risk-based capital ratio | 14.7998% | 4,040 |
| Memoranda: | ||
| Average total assets | $219,814,250 | 2,770 |
| Average earning assets | $202,310,000 | 2,776 |
| Average equity | $18,280,250 | 3,371 |
| Average total loans | $145,979,750 | 2,663 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 4,841 |
| Cost of funding earning assets | 0.5922% | 1,467 |
| Net interest margin | 2.9649% | 5,305 |
| Noninterest income to average assets | 0.6336% | 2,557 |
| Noninterest expense to average assets | 3.2794% | 1,761 |
| Loan and lease loss provision to assets | 0.0018% | 4,045 |
| Net operating income to assets | 0.0708% | 5,911 |
| Return on assets (ROA) | 0.1753% | 5,813 |
| Pretax return on assets | 0.1999% | 5,815 |
| Return on Equity (ROE) | 2.1155% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.1155% | 4,651 |
| Net charge-offs to loans | 0.1540% | 1,561 |
| Credit loss provision to net charge-offs | 1.8018% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.8198% | 3,615 |
| Efficiency ratio | 97.5292% | 390 |
| Assets per employee ($millions) | 5.0288% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 5,784 |
| Loan loss allowance to noncurrent loans | 103.0211% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 3,589 |
| Noncurrent loans to loans | 0.6929% | 3,414 |
| Net loans and leases to total assets | 64.3104% | 3,224 |
| Net loans and leases to deposits | 77.8311% | 3,053 |
| Net loans and leases to core deposits | 89.4606% | 2,396 |
| Total domestic deposits to total assets | 82.6281% | 4,084 |
| Equity capital to assets | 8.1391% | 5,919 |
| Core capital (leverage) ratio | 8.1091% | 5,865 |
| Tier 1 risk-based capital ratio | 14.5967% | 3,580 |
| Total risk-based capital ratio | 15.4493% | 3,742 |
| Memoranda: | ||
| Average total assets | $219,067,000 | 2,796 |
| Average earning assets | $201,622,670 | 2,802 |
| Average equity | $18,152,000 | 3,403 |
| Average total loans | $144,161,330 | 2,698 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 4,677 |
| Cost of funding earning assets | 0.5926% | 1,485 |
| Net interest margin | 3.0128% | 5,183 |
| Noninterest income to average assets | 0.6038% | 2,627 |
| Noninterest expense to average assets | 3.2849% | 1,755 |
| Loan and lease loss provision to assets | 0.0018% | 3,687 |
| Net operating income to assets | 0.0991% | 5,876 |
| Return on assets (ROA) | 0.0991% | 5,934 |
| Pretax return on assets | 0.0881% | 5,960 |
| Return on Equity (ROE) | 1.1853% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.1853% | 5,014 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3355% | 456 |
| Assets per employee ($millions) | 5.1082% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 5,722 |
| Loan loss allowance to noncurrent loans | 79.4962% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 3,548 |
| Noncurrent loans to loans | 0.9923% | 2,785 |
| Net loans and leases to total assets | 65.0414% | 2,927 |
| Net loans and leases to deposits | 77.9853% | 2,805 |
| Net loans and leases to core deposits | 89.2561% | 2,207 |
| Total domestic deposits to total assets | 83.4021% | 4,044 |
| Equity capital to assets | 8.3777% | 5,822 |
| Core capital (leverage) ratio | 8.1538% | 5,845 |
| Tier 1 risk-based capital ratio | 14.4623% | 3,742 |
| Total risk-based capital ratio | 15.4033% | 3,841 |
| Memoranda: | ||
| Average total assets | $217,967,500 | 2,821 |
| Average earning assets | $200,475,500 | 2,834 |
| Average equity | $18,223,500 | 3,416 |
| Average total loans | $144,582,000 | 2,696 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,899 |
| Cost of funding earning assets | 0.5971% | 1,780 |
| Net interest margin | 3.0662% | 5,283 |
| Noninterest income to average assets | 0.6389% | 2,625 |
| Noninterest expense to average assets | 3.3789% | 1,744 |
| Loan and lease loss provision to assets | 0.0223% | 4,170 |
| Net operating income to assets | 0.0559% | 6,012 |
| Return on assets (ROA) | 0.2174% | 5,791 |
| Pretax return on assets | 0.2657% | 5,764 |
| Return on Equity (ROE) | 2.6774% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.6774% | 4,339 |
| Net charge-offs to loans | 0.0029% | 4,907 |
| Credit loss provision to net charge-offs | 1,200.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 939 |
| Efficiency ratio | 97.3811% | 448 |
| Assets per employee ($millions) | 5.0298% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 5,824 |
| Loan loss allowance to noncurrent loans | 82.9554% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 3,681 |
| Noncurrent loans to loans | 0.9417% | 2,968 |
| Net loans and leases to total assets | 66.5930% | 2,794 |
| Net loans and leases to deposits | 82.5541% | 2,399 |
| Net loans and leases to core deposits | 90.6429% | 2,218 |
| Total domestic deposits to total assets | 80.6659% | 4,838 |
| Equity capital to assets | 8.3433% | 5,869 |
| Core capital (leverage) ratio | 8.1502% | 5,889 |
| Tier 1 risk-based capital ratio | 14.4310% | 3,814 |
| Total risk-based capital ratio | 15.3720% | 3,942 |
| Memoranda: | ||
| Average total assets | $215,694,600 | 2,828 |
| Average earning assets | $199,139,200 | 2,814 |
| Average equity | $17,517,200 | 3,453 |
| Average total loans | $140,312,400 | 2,712 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,976 |
| Cost of funding earning assets | 0.5904% | 1,921 |
| Net interest margin | 3.0678% | 5,341 |
| Noninterest income to average assets | 0.6557% | 2,548 |
| Noninterest expense to average assets | 3.3254% | 1,849 |
| Loan and lease loss provision to assets | 0.0291% | 3,828 |
| Net operating income to assets | 0.1055% | 6,024 |
| Return on assets (ROA) | 0.2994% | 5,659 |
| Pretax return on assets | 0.3909% | 5,598 |
| Return on Equity (ROE) | 3.7119% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.7119% | 4,001 |
| Net charge-offs to loans | 0.0019% | 4,650 |
| Credit loss provision to net charge-offs | 2,350.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 135.8277% | 446 |
| Efficiency ratio | 95.1841% | 536 |
| Assets per employee ($millions) | 5.1621% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 5,895 |
| Loan loss allowance to noncurrent loans | 94.9749% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 4,202 |
| Noncurrent loans to loans | 0.8321% | 3,495 |
| Net loans and leases to total assets | 65.6590% | 2,921 |
| Net loans and leases to deposits | 80.6072% | 2,601 |
| Net loans and leases to core deposits | 88.1613% | 2,407 |
| Total domestic deposits to total assets | 81.4555% | 4,678 |
| Equity capital to assets | 8.1754% | 6,029 |
| Core capital (leverage) ratio | 8.2048% | 5,926 |
| Tier 1 risk-based capital ratio | 14.5148% | 3,871 |
| Total risk-based capital ratio | 15.4613% | 4,004 |
| Memoranda: | ||
| Average total assets | $215,548,000 | 2,851 |
| Average earning assets | $199,399,750 | 2,834 |
| Average equity | $17,385,250 | 3,487 |
| Average total loans | $139,100,000 | 2,744 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 5,031 |
| Cost of funding earning assets | 0.5849% | 2,025 |
| Net interest margin | 3.0583% | 5,376 |
| Noninterest income to average assets | 0.6164% | 2,729 |
| Noninterest expense to average assets | 3.2669% | 2,001 |
| Loan and lease loss provision to assets | 0.0297% | 3,676 |
| Net operating income to assets | 0.1132% | 6,021 |
| Return on assets (ROA) | 0.3217% | 5,567 |
| Pretax return on assets | 0.4230% | 5,496 |
| Return on Equity (ROE) | 4.0065% | 5,147 |
| Retained earnings to average equity (ytd only) | 4.0065% | 3,632 |
| Net charge-offs to loans | 0.0015% | 4,348 |
| Credit loss provision to net charge-offs | 3,200.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 335 |
| Efficiency ratio | 94.8192% | 605 |
| Assets per employee ($millions) | 4.7941% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 6,006 |
| Loan loss allowance to noncurrent loans | 63.2595% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 3,517 |
| Noncurrent loans to loans | 1.2465% | 2,734 |
| Net loans and leases to total assets | 64.9715% | 2,913 |
| Net loans and leases to deposits | 81.2746% | 2,351 |
| Net loans and leases to core deposits | 89.9798% | 2,128 |
| Total domestic deposits to total assets | 79.9408% | 5,251 |
| Equity capital to assets | 8.2490% | 5,991 |
| Core capital (leverage) ratio | 8.1219% | 6,005 |
| Tier 1 risk-based capital ratio | 14.8229% | 3,743 |
| Total risk-based capital ratio | 15.7852% | 3,847 |
| Memoranda: | ||
| Average total assets | $215,128,000 | 2,864 |
| Average earning assets | $198,998,670 | 2,847 |
| Average equity | $17,272,000 | 3,506 |
| Average total loans | $137,637,330 | 2,762 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 5,120 |
| Cost of funding earning assets | 0.5703% | 2,240 |
| Net interest margin | 3.0472% | 5,395 |
| Noninterest income to average assets | 0.5940% | 2,772 |
| Noninterest expense to average assets | 3.1952% | 2,254 |
| Loan and lease loss provision to assets | 0.0317% | 3,406 |
| Net operating income to assets | 0.1331% | 5,963 |
| Return on assets (ROA) | 0.3519% | 5,362 |
| Pretax return on assets | 0.4823% | 5,219 |
| Return on Equity (ROE) | 4.4444% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,457 |
| Net charge-offs to loans | 0.0088% | 3,448 |
| Credit loss provision to net charge-offs | 566.6667% | 493 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 902 |
| Efficiency ratio | 93.7193% | 768 |
| Assets per employee ($millions) | 5.0333% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 6,123 |
| Loan loss allowance to noncurrent loans | 62.0124% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 3,691 |
| Noncurrent loans to loans | 1.2770% | 2,895 |
| Net loans and leases to total assets | 63.4978% | 2,977 |
| Net loans and leases to deposits | 79.1651% | 2,411 |
| Net loans and leases to core deposits | 87.5489% | 2,144 |
| Total domestic deposits to total assets | 80.2094% | 5,448 |
| Equity capital to assets | 7.9721% | 6,080 |
| Core capital (leverage) ratio | 8.0612% | 6,078 |
| Tier 1 risk-based capital ratio | 14.7696% | 3,836 |
| Total risk-based capital ratio | 15.7236% | 3,979 |
| Memoranda: | ||
| Average total assets | $214,824,000 | 2,881 |
| Average earning assets | $198,479,000 | 2,866 |
| Average equity | $17,010,000 | 3,550 |
| Average total loans | $135,815,500 | 2,799 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 5,197 |
| Cost of funding earning assets | 0.6024% | 2,635 |
| Net interest margin | 3.0760% | 5,390 |
| Noninterest income to average assets | 0.7399% | 2,334 |
| Noninterest expense to average assets | 3.2127% | 2,379 |
| Loan and lease loss provision to assets | 0.0457% | 4,203 |
| Net operating income to assets | 0.2388% | 5,720 |
| Return on assets (ROA) | 0.3321% | 5,512 |
| Pretax return on assets | 0.4437% | 5,379 |
| Return on Equity (ROE) | 3.9989% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.9989% | 3,349 |
| Net charge-offs to loans | 0.0314% | 4,804 |
| Credit loss provision to net charge-offs | 236.5854% | 970 |
| Earnings coverage of net charge-offs (x) | 18.9024% | 1,634 |
| Efficiency ratio | 89.7973% | 1,040 |
| Assets per employee ($millions) | 4.9585% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 6,137 |
| Loan loss allowance to noncurrent loans | 79.7357% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 4,316 |
| Noncurrent loans to loans | 1.0233% | 3,469 |
| Net loans and leases to total assets | 61.9177% | 3,376 |
| Net loans and leases to deposits | 77.4791% | 2,789 |
| Net loans and leases to core deposits | 85.7021% | 2,482 |
| Total domestic deposits to total assets | 79.9153% | 5,462 |
| Equity capital to assets | 7.8634% | 6,108 |
| Core capital (leverage) ratio | 8.0174% | 6,120 |
| Tier 1 risk-based capital ratio | 15.2593% | 3,511 |
| Total risk-based capital ratio | 16.2434% | 3,613 |
| Memoranda: | ||
| Average total assets | $212,312,000 | 2,889 |
| Average earning assets | $195,869,600 | 2,878 |
| Average equity | $17,630,000 | 3,476 |
| Average total loans | $130,472,000 | 2,857 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 5,304 |
| Cost of funding earning assets | 0.5839% | 2,961 |
| Net interest margin | 3.0641% | 5,420 |
| Noninterest income to average assets | 0.7104% | 2,550 |
| Noninterest expense to average assets | 3.1521% | 2,498 |
| Loan and lease loss provision to assets | 0.0515% | 3,991 |
| Net operating income to assets | 0.2460% | 5,789 |
| Return on assets (ROA) | 0.3558% | 5,548 |
| Pretax return on assets | 0.4822% | 5,409 |
| Return on Equity (ROE) | 4.2287% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.2287% | 3,676 |
| Net charge-offs to loans | 0.0010% | 5,202 |
| Credit loss provision to net charge-offs | 8,200.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 614.5188% | 89 |
| Efficiency ratio | 89.1061% | 1,077 |
| Assets per employee ($millions) | 5.0080% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 6,223 |
| Loan loss allowance to noncurrent loans | 68.2657% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 4,217 |
| Noncurrent loans to loans | 1.2114% | 3,395 |
| Net loans and leases to total assets | 61.8138% | 3,393 |
| Net loans and leases to deposits | 78.4737% | 2,590 |
| Net loans and leases to core deposits | 86.7387% | 2,317 |
| Total domestic deposits to total assets | 78.7700% | 5,792 |
| Equity capital to assets | 7.9483% | 6,179 |
| Core capital (leverage) ratio | 7.9255% | 6,264 |
| Tier 1 risk-based capital ratio | 15.1175% | 3,671 |
| Total risk-based capital ratio | 16.1215% | 3,792 |
| Memoranda: | ||
| Average total assets | $212,085,750 | 2,918 |
| Average earning assets | $195,678,500 | 2,904 |
| Average equity | $17,846,000 | 3,484 |
| Average total loans | $129,813,750 | 2,887 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 5,295 |
| Cost of funding earning assets | 0.5894% | 3,041 |
| Net interest margin | 3.0582% | 5,400 |
| Noninterest income to average assets | 0.6635% | 2,833 |
| Noninterest expense to average assets | 3.1242% | 2,595 |
| Loan and lease loss provision to assets | 0.0284% | 4,359 |
| Net operating income to assets | 0.2674% | 5,724 |
| Return on assets (ROA) | 0.2758% | 5,820 |
| Pretax return on assets | 0.3393% | 5,775 |
| Return on Equity (ROE) | 3.2174% | 5,536 |
| Retained earnings to average equity (ytd only) | 3.2174% | 4,260 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7359% | 1,067 |
| Assets per employee ($millions) | 4.8381% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 6,352 |
| Loan loss allowance to noncurrent loans | 77.8022% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 4,626 |
| Noncurrent loans to loans | 1.0286% | 3,876 |
| Net loans and leases to total assets | 61.8428% | 3,319 |
| Net loans and leases to deposits | 79.5953% | 2,384 |
| Net loans and leases to core deposits | 88.0348% | 2,104 |
| Total domestic deposits to total assets | 77.6965% | 6,031 |
| Equity capital to assets | 8.0995% | 6,133 |
| Core capital (leverage) ratio | 7.9112% | 6,246 |
| Tier 1 risk-based capital ratio | 14.9589% | 3,804 |
| Total risk-based capital ratio | 15.9242% | 3,947 |
| Memoranda: | ||
| Average total assets | $211,000,330 | 2,947 |
| Average earning assets | $194,430,000 | 2,935 |
| Average equity | $18,089,330 | 3,466 |
| Average total loans | $128,344,670 | 2,912 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 5,163 |
| Cost of funding earning assets | 0.5932% | 3,169 |
| Net interest margin | 3.1071% | 5,235 |
| Noninterest income to average assets | 0.6189% | 3,032 |
| Noninterest expense to average assets | 3.0848% | 2,722 |
| Loan and lease loss provision to assets | 0.0286% | 4,098 |
| Net operating income to assets | 0.2818% | 5,622 |
| Return on assets (ROA) | 0.2818% | 5,744 |
| Pretax return on assets | 0.3580% | 5,689 |
| Return on Equity (ROE) | 3.1978% | 5,492 |
| Retained earnings to average equity (ytd only) | 3.1978% | 4,334 |
| Net charge-offs to loans | -0.0032% | 5,202 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8645% | 1,245 |
| Assets per employee ($millions) | 4.9502% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 6,450 |
| Loan loss allowance to noncurrent loans | 76.8892% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 4,774 |
| Noncurrent loans to loans | 1.0466% | 4,050 |
| Net loans and leases to total assets | 60.6873% | 3,312 |
| Net loans and leases to deposits | 76.8868% | 2,504 |
| Net loans and leases to core deposits | 85.2869% | 2,184 |
| Total domestic deposits to total assets | 78.9308% | 5,972 |
| Equity capital to assets | 8.6808% | 5,830 |
| Core capital (leverage) ratio | 7.8793% | 6,235 |
| Tier 1 risk-based capital ratio | 14.9217% | 3,899 |
| Total risk-based capital ratio | 15.8802% | 4,046 |
| Memoranda: | ||
| Average total assets | $210,062,000 | 2,980 |
| Average earning assets | $192,851,500 | 2,979 |
| Average equity | $18,513,000 | 3,447 |
| Average total loans | $126,161,500 | 2,965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 5,385 |
| Cost of funding earning assets | 0.7169% | 3,352 |
| Net interest margin | 3.2589% | 5,402 |
| Noninterest income to average assets | 1.1596% | 1,160 |
| Noninterest expense to average assets | 3.2816% | 2,390 |
| Loan and lease loss provision to assets | 0.0740% | 4,800 |
| Net operating income to assets | 0.5381% | 4,523 |
| Return on assets (ROA) | 0.6195% | 4,410 |
| Pretax return on assets | 0.9260% | 3,825 |
| Return on Equity (ROE) | 6.8618% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.8618% | 1,633 |
| Net charge-offs to loans | 0.0544% | 5,171 |
| Credit loss provision to net charge-offs | 224.6154% | 1,113 |
| Earnings coverage of net charge-offs (x) | 26.6769% | 1,091 |
| Efficiency ratio | 78.8846% | 2,294 |
| Assets per employee ($millions) | 4.7105% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 6,404 |
| Loan loss allowance to noncurrent loans | 65.5654% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 4,485 |
| Noncurrent loans to loans | 1.2891% | 3,683 |
| Net loans and leases to total assets | 58.4105% | 3,896 |
| Net loans and leases to deposits | 72.9060% | 3,268 |
| Net loans and leases to core deposits | 81.2630% | 2,856 |
| Total domestic deposits to total assets | 80.1176% | 5,633 |
| Equity capital to assets | 8.9490% | 5,578 |
| Core capital (leverage) ratio | 8.2771% | 5,911 |
| Tier 1 risk-based capital ratio | 15.4539% | 3,458 |
| Total risk-based capital ratio | 16.4415% | 3,563 |
| Memoranda: | ||
| Average total assets | $197,403,000 | 3,079 |
| Average earning assets | $181,746,000 | 3,062 |
| Average equity | $17,823,400 | 3,498 |
| Average total loans | $119,521,800 | 3,087 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 5,327 |
| Cost of funding earning assets | 0.7451% | 3,388 |
| Net interest margin | 3.3152% | 5,338 |
| Noninterest income to average assets | 1.0930% | 1,259 |
| Noninterest expense to average assets | 3.2536% | 2,410 |
| Loan and lease loss provision to assets | 0.0691% | 4,815 |
| Net operating income to assets | 0.5487% | 4,629 |
| Return on assets (ROA) | 0.6491% | 4,406 |
| Pretax return on assets | 0.9753% | 3,805 |
| Return on Equity (ROE) | 7.1720% | 3,714 |
| Retained earnings to average equity (ytd only) | 7.1720% | 2,024 |
| Net charge-offs to loans | 0.1144% | 4,238 |
| Credit loss provision to net charge-offs | 99.0196% | 3,034 |
| Earnings coverage of net charge-offs (x) | 12.8232% | 1,967 |
| Efficiency ratio | 78.4336% | 2,333 |
| Assets per employee ($millions) | 4.5419% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 6,629 |
| Loan loss allowance to noncurrent loans | 59.9874% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 4,611 |
| Noncurrent loans to loans | 1.3086% | 3,856 |
| Net loans and leases to total assets | 60.0175% | 3,784 |
| Net loans and leases to deposits | 72.1842% | 3,582 |
| Net loans and leases to core deposits | 81.1280% | 3,075 |
| Total domestic deposits to total assets | 83.1449% | 4,583 |
| Equity capital to assets | 9.2262% | 5,565 |
| Core capital (leverage) ratio | 8.0543% | 6,283 |
| Tier 1 risk-based capital ratio | 15.4781% | 3,550 |
| Total risk-based capital ratio | 16.4091% | 3,686 |
| Memoranda: | ||
| Average total assets | $194,937,750 | 3,145 |
| Average earning assets | $179,651,250 | 3,129 |
| Average equity | $17,642,250 | 3,552 |
| Average total loans | $118,878,250 | 3,144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 5,346 |
| Cost of funding earning assets | 0.7734% | 3,420 |
| Net interest margin | 3.3181% | 5,399 |
| Noninterest income to average assets | 0.9312% | 1,670 |
| Noninterest expense to average assets | 3.1960% | 2,604 |
| Loan and lease loss provision to assets | 0.0579% | 4,931 |
| Net operating income to assets | 0.4850% | 4,887 |
| Return on assets (ROA) | 0.6311% | 4,465 |
| Pretax return on assets | 0.9571% | 3,862 |
| Return on Equity (ROE) | 7.0208% | 3,762 |
| Retained earnings to average equity (ytd only) | 7.0208% | 2,086 |
| Net charge-offs to loans | 0.1658% | 3,614 |
| Credit loss provision to net charge-offs | 57.1429% | 3,873 |
| Earnings coverage of net charge-offs (x) | 7.8265% | 2,411 |
| Efficiency ratio | 80.1089% | 2,153 |
| Assets per employee ($millions) | 4.6694% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 6,762 |
| Loan loss allowance to noncurrent loans | 62.0123% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 4,851 |
| Noncurrent loans to loans | 1.2054% | 4,144 |
| Net loans and leases to total assets | 59.9118% | 3,838 |
| Net loans and leases to deposits | 74.1430% | 3,271 |
| Net loans and leases to core deposits | 83.6927% | 2,732 |
| Total domestic deposits to total assets | 80.8058% | 5,528 |
| Equity capital to assets | 8.8727% | 5,837 |
| Core capital (leverage) ratio | 7.9780% | 6,296 |
| Tier 1 risk-based capital ratio | 15.1051% | 3,701 |
| Total risk-based capital ratio | 15.9986% | 3,894 |
| Memoranda: | ||
| Average total assets | $193,302,000 | 3,174 |
| Average earning assets | $178,172,670 | 3,160 |
| Average equity | $17,377,000 | 3,589 |
| Average total loans | $118,207,330 | 3,177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 5,404 |
| Cost of funding earning assets | 0.8107% | 3,384 |
| Net interest margin | 3.3025% | 5,468 |
| Noninterest income to average assets | 1.0487% | 1,309 |
| Noninterest expense to average assets | 3.2306% | 2,505 |
| Loan and lease loss provision to assets | 0.0317% | 4,973 |
| Net operating income to assets | 0.5173% | 4,749 |
| Return on assets (ROA) | 0.7955% | 3,638 |
| Pretax return on assets | 1.2640% | 2,676 |
| Return on Equity (ROE) | 8.7889% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.7889% | 1,666 |
| Net charge-offs to loans | 0.0069% | 4,645 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 178 |
| Efficiency ratio | 78.9582% | 2,361 |
| Assets per employee ($millions) | 4.4668% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,699 |
| Loan loss allowance to noncurrent loans | 62.4183% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 4,953 |
| Noncurrent loans to loans | 1.3212% | 4,132 |
| Net loans and leases to total assets | 59.7952% | 3,716 |
| Net loans and leases to deposits | 70.4837% | 3,656 |
| Net loans and leases to core deposits | 78.7535% | 3,221 |
| Total domestic deposits to total assets | 84.8355% | 4,111 |
| Equity capital to assets | 8.9846% | 5,517 |
| Core capital (leverage) ratio | 8.2642% | 5,935 |
| Tier 1 risk-based capital ratio | 15.5360% | 3,426 |
| Total risk-based capital ratio | 16.5221% | 3,536 |
| Memoranda: | ||
| Average total assets | $189,560,500 | 3,235 |
| Average earning assets | $174,653,500 | 3,227 |
| Average equity | $17,158,000 | 3,617 |
| Average total loans | $116,711,000 | 3,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 5,167 |
| Cost of funding earning assets | 0.9209% | 3,952 |
| Net interest margin | 3.5528% | 4,922 |
| Noninterest income to average assets | 0.7465% | 2,353 |
| Noninterest expense to average assets | 3.2817% | 2,586 |
| Loan and lease loss provision to assets | 0.0345% | 6,132 |
| Net operating income to assets | 0.4830% | 4,494 |
| Return on assets (ROA) | 0.5457% | 4,443 |
| Pretax return on assets | 0.7746% | 4,068 |
| Return on Equity (ROE) | 6.2640% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.2578% | 1,874 |
| Net charge-offs to loans | 0.0033% | 6,404 |
| Credit loss provision to net charge-offs | 1,600.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 333.2500% | 107 |
| Efficiency ratio | 82.0181% | 2,025 |
| Assets per employee ($millions) | 4.5621% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0989% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 6,727 |
| Loan loss allowance to noncurrent loans | 68.8274% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 5,177 |
| Noncurrent loans to loans | 1.1674% | 4,418 |
| Net loans and leases to total assets | 62.3752% | 3,525 |
| Net loans and leases to deposits | 74.7393% | 3,385 |
| Net loans and leases to core deposits | 83.7119% | 2,925 |
| Total domestic deposits to total assets | 83.4571% | 4,559 |
| Equity capital to assets | 9.1202% | 5,390 |
| Core capital (leverage) ratio | 8.2582% | 5,916 |
| Tier 1 risk-based capital ratio | 14.9656% | 3,659 |
| Total risk-based capital ratio | 15.9222% | 3,834 |
| Memoranda: | ||
| Average total assets | $185,267,800 | 3,255 |
| Average earning assets | $169,726,600 | 3,251 |
| Average equity | $16,139,800 | 3,702 |
| Average total loans | $120,191,600 | 3,168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 5,164 |
| Cost of funding earning assets | 0.9411% | 4,101 |
| Net interest margin | 3.5888% | 4,814 |
| Noninterest income to average assets | 0.5966% | 3,185 |
| Noninterest expense to average assets | 3.1929% | 2,848 |
| Loan and lease loss provision to assets | 0.0332% | 6,024 |
| Net operating income to assets | 0.4607% | 4,723 |
| Return on assets (ROA) | 0.5425% | 4,535 |
| Pretax return on assets | 0.7719% | 4,235 |
| Return on Equity (ROE) | 6.3019% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.2936% | 2,373 |
| Net charge-offs to loans | 0.0033% | 6,152 |
| Credit loss provision to net charge-offs | 1,533.3333% | 175 |
| Earnings coverage of net charge-offs (x) | 317.9925% | 118 |
| Efficiency ratio | 82.2677% | 1,938 |
| Assets per employee ($millions) | 4.5203% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.1326% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 6,844 |
| Loan loss allowance to noncurrent loans | 60.2597% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 5,103 |
| Noncurrent loans to loans | 1.3022% | 4,363 |
| Net loans and leases to total assets | 63.3089% | 3,452 |
| Net loans and leases to deposits | 74.8776% | 3,526 |
| Net loans and leases to core deposits | 83.7014% | 3,099 |
| Total domestic deposits to total assets | 84.5498% | 3,986 |
| Equity capital to assets | 9.1177% | 5,618 |
| Core capital (leverage) ratio | 8.1063% | 6,274 |
| Tier 1 risk-based capital ratio | 14.8390% | 3,761 |
| Total risk-based capital ratio | 15.7999% | 3,919 |
| Memoranda: | ||
| Average total assets | $184,823,000 | 3,281 |
| Average earning assets | $169,152,250 | 3,267 |
| Average equity | $15,910,000 | 3,755 |
| Average total loans | $120,835,500 | 3,179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 5,178 |
| Cost of funding earning assets | 0.9684% | 4,183 |
| Net interest margin | 3.5799% | 4,786 |
| Noninterest income to average assets | 0.5968% | 3,168 |
| Noninterest expense to average assets | 3.2071% | 2,871 |
| Loan and lease loss provision to assets | 0.0303% | 5,928 |
| Net operating income to assets | 0.4519% | 4,711 |
| Return on assets (ROA) | 0.5372% | 4,483 |
| Pretax return on assets | 0.7549% | 4,195 |
| Return on Equity (ROE) | 6.3669% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.3540% | 2,210 |
| Net charge-offs to loans | 0.0016% | 5,863 |
| Credit loss provision to net charge-offs | 2,800.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 49 |
| Efficiency ratio | 82.8252% | 1,979 |
| Assets per employee ($millions) | 4.5506% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.2016% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 6,937 |
| Loan loss allowance to noncurrent loans | 51.1211% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 4,947 |
| Noncurrent loans to loans | 1.4901% | 4,190 |
| Net loans and leases to total assets | 63.6793% | 3,536 |
| Net loans and leases to deposits | 78.4928% | 3,042 |
| Net loans and leases to core deposits | 88.2243% | 2,614 |
| Total domestic deposits to total assets | 81.1276% | 5,482 |
| Equity capital to assets | 8.7049% | 5,939 |
| Core capital (leverage) ratio | 8.0145% | 6,283 |
| Tier 1 risk-based capital ratio | 14.3621% | 3,894 |
| Total risk-based capital ratio | 15.3073% | 4,104 |
| Memoranda: | ||
| Average total assets | $184,653,670 | 3,306 |
| Average earning assets | $168,942,000 | 3,293 |
| Average equity | $15,580,670 | 3,804 |
| Average total loans | $121,694,330 | 3,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 5,124 |
| Cost of funding earning assets | 0.9918% | 4,261 |
| Net interest margin | 3.5690% | 4,728 |
| Noninterest income to average assets | 0.6358% | 2,926 |
| Noninterest expense to average assets | 3.1313% | 3,132 |
| Loan and lease loss provision to assets | 0.0240% | 5,661 |
| Net operating income to assets | 0.5232% | 4,390 |
| Return on assets (ROA) | 0.6206% | 3,990 |
| Pretax return on assets | 0.8775% | 3,583 |
| Return on Equity (ROE) | 7.4752% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.4489% | 1,963 |
| Net charge-offs to loans | 0.0033% | 5,086 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 83 |
| Efficiency ratio | 80.3801% | 2,456 |
| Assets per employee ($millions) | 4.3474% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.3509% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 7,023 |
| Loan loss allowance to noncurrent loans | 48.0150% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 4,864 |
| Noncurrent loans to loans | 1.5398% | 4,160 |
| Net loans and leases to total assets | 65.8096% | 3,061 |
| Net loans and leases to deposits | 76.6709% | 3,305 |
| Net loans and leases to core deposits | 87.6966% | 2,642 |
| Total domestic deposits to total assets | 85.8338% | 3,621 |
| Equity capital to assets | 8.4507% | 5,979 |
| Core capital (leverage) ratio | 7.9418% | 6,314 |
| Tier 1 risk-based capital ratio | 14.0735% | 4,025 |
| Total risk-based capital ratio | 14.9715% | 4,231 |
| Memoranda: | ||
| Average total assets | $183,693,500 | 3,344 |
| Average earning assets | $167,776,500 | 3,334 |
| Average equity | $15,250,500 | 3,853 |
| Average total loans | $122,681,000 | 3,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 5,131 |
| Cost of funding earning assets | 1.2313% | 4,349 |
| Net interest margin | 3.6455% | 4,594 |
| Noninterest income to average assets | 0.5601% | 3,747 |
| Noninterest expense to average assets | 3.1458% | 3,292 |
| Loan and lease loss provision to assets | 0.0570% | 6,567 |
| Net operating income to assets | 0.4855% | 4,167 |
| Return on assets (ROA) | 0.5481% | 4,049 |
| Pretax return on assets | 0.7572% | 3,771 |
| Return on Equity (ROE) | 6.9034% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.2124% | 1,709 |
| Net charge-offs to loans | 0.0419% | 6,387 |
| Credit loss provision to net charge-offs | 218.7500% | 1,374 |
| Earnings coverage of net charge-offs (x) | 27.8958% | 781 |
| Efficiency ratio | 81.2202% | 2,261 |
| Assets per employee ($millions) | 4.4000% | 3,026 |
| Cash dividends to net income (ytd only)* | 10.0099% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 7,121 |
| Loan loss allowance to noncurrent loans | 52.7414% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 4,818 |
| Noncurrent loans to loans | 1.3499% | 4,458 |
| Net loans and leases to total assets | 66.7870% | 3,280 |
| Net loans and leases to deposits | 78.6772% | 3,396 |
| Net loans and leases to core deposits | 88.4333% | 2,993 |
| Total domestic deposits to total assets | 84.8873% | 3,913 |
| Equity capital to assets | 8.1554% | 6,313 |
| Core capital (leverage) ratio | 7.7799% | 6,456 |
| Tier 1 risk-based capital ratio | 13.4295% | 4,271 |
| Total risk-based capital ratio | 14.2876% | 4,533 |
| Memoranda: | ||
| Average total assets | $184,089,000 | 3,313 |
| Average earning assets | $167,304,400 | 3,334 |
| Average equity | $14,616,000 | 4,010 |
| Average total loans | $114,492,400 | 3,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 5,398 |
| Cost of funding earning assets | 1.2907% | 4,283 |
| Net interest margin | 3.5791% | 4,978 |
| Noninterest income to average assets | 0.3893% | 5,045 |
| Noninterest expense to average assets | 3.0702% | 3,480 |
| Loan and lease loss provision to assets | 0.0391% | 6,691 |
| Net operating income to assets | 0.3995% | 4,752 |
| Return on assets (ROA) | 0.4821% | 4,594 |
| Pretax return on assets | 0.6387% | 4,458 |
| Return on Equity (ROE) | 6.1138% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.1853% | 2,853 |
| Net charge-offs to loans | 0.0583% | 5,928 |
| Credit loss provision to net charge-offs | 110.2041% | 3,841 |
| Earnings coverage of net charge-offs (x) | 15.9799% | 1,411 |
| Efficiency ratio | 84.3962% | 1,794 |
| Assets per employee ($millions) | 4.4694% | 2,958 |
| Cash dividends to net income (ytd only)* | 15.1877% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 7,161 |
| Loan loss allowance to noncurrent loans | 43.5664% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2683% | 4,608 |
| Noncurrent loans to loans | 1.6537% | 4,161 |
| Net loans and leases to total assets | 64.6733% | 3,980 |
| Net loans and leases to deposits | 78.2162% | 3,787 |
| Net loans and leases to core deposits | 88.2033% | 3,340 |
| Total domestic deposits to total assets | 82.6854% | 4,723 |
| Equity capital to assets | 8.4630% | 6,323 |
| Core capital (leverage) ratio | 7.5970% | 6,770 |
| Tier 1 risk-based capital ratio | 13.3572% | 4,307 |
| Total risk-based capital ratio | 14.1819% | 4,606 |
| Memoranda: | ||
| Average total assets | $183,911,750 | 3,361 |
| Average earning assets | $166,930,250 | 3,377 |
| Average equity | $14,502,250 | 4,096 |
| Average total loans | $112,039,000 | 3,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 5,465 |
| Cost of funding earning assets | 1.3452% | 4,218 |
| Net interest margin | 3.5393% | 5,096 |
| Noninterest income to average assets | 0.4008% | 4,912 |
| Noninterest expense to average assets | 3.0250% | 3,622 |
| Loan and lease loss provision to assets | 0.0043% | 6,836 |
| Net operating income to assets | 0.4535% | 4,539 |
| Return on assets (ROA) | 0.4801% | 4,571 |
| Pretax return on assets | 0.6115% | 4,532 |
| Return on Equity (ROE) | 6.2399% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.8140% | 3,002 |
| Net charge-offs to loans | 0.0858% | 5,282 |
| Credit loss provision to net charge-offs | 8.5106% | 5,958 |
| Earnings coverage of net charge-offs (x) | 11.4043% | 1,765 |
| Efficiency ratio | 83.8603% | 1,935 |
| Assets per employee ($millions) | 4.4871% | 2,902 |
| Cash dividends to net income (ytd only)* | 22.8507% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 7,195 |
| Loan loss allowance to noncurrent loans | 38.3743% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 4,478 |
| Noncurrent loans to loans | 1.8916% | 3,876 |
| Net loans and leases to total assets | 60.3616% | 4,991 |
| Net loans and leases to deposits | 74.2014% | 4,646 |
| Net loans and leases to core deposits | 84.6843% | 4,043 |
| Total domestic deposits to total assets | 81.3484% | 5,272 |
| Equity capital to assets | 8.0409% | 6,711 |
| Core capital (leverage) ratio | 7.3955% | 6,924 |
| Tier 1 risk-based capital ratio | 13.1490% | 4,325 |
| Total risk-based capital ratio | 13.9316% | 4,683 |
| Memoranda: | ||
| Average total assets | $184,134,330 | 3,385 |
| Average earning assets | $166,810,670 | 3,393 |
| Average equity | $14,167,000 | 4,158 |
| Average total loans | $109,595,330 | 3,649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 5,770 |
| Cost of funding earning assets | 1.4279% | 4,004 |
| Net interest margin | 3.4003% | 5,579 |
| Noninterest income to average assets | 0.3930% | 4,968 |
| Noninterest expense to average assets | 2.8554% | 4,249 |
| Loan and lease loss provision to assets | 0.0022% | 6,548 |
| Net operating income to assets | 0.4625% | 4,563 |
| Return on assets (ROA) | 0.4625% | 4,691 |
| Pretax return on assets | 0.6275% | 4,499 |
| Return on Equity (ROE) | 6.1498% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.1498% | 2,550 |
| Net charge-offs to loans | 0.0074% | 5,490 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 227 |
| Efficiency ratio | 81.9315% | 2,276 |
| Assets per employee ($millions) | 4.4965% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 7,192 |
| Loan loss allowance to noncurrent loans | 36.5269% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4580% | 4,318 |
| Noncurrent loans to loans | 2.1171% | 3,630 |
| Net loans and leases to total assets | 59.4399% | 5,210 |
| Net loans and leases to deposits | 72.6159% | 4,970 |
| Net loans and leases to core deposits | 83.5501% | 4,264 |
| Total domestic deposits to total assets | 81.8552% | 5,132 |
| Equity capital to assets | 7.6689% | 6,952 |
| Core capital (leverage) ratio | 7.4097% | 6,925 |
| Tier 1 risk-based capital ratio | 12.8413% | 4,444 |
| Total risk-based capital ratio | 13.6519% | 4,780 |
| Memoranda: | ||
| Average total assets | $184,215,000 | 3,442 |
| Average earning assets | $167,516,500 | 3,435 |
| Average equity | $13,854,000 | 4,273 |
| Average total loans | $108,462,500 | 3,720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 5,929 |
| Cost of funding earning assets | 2.0801% | 2,566 |
| Net interest margin | 3.0580% | 6,496 |
| Noninterest income to average assets | 0.6943% | 3,020 |
| Noninterest expense to average assets | 3.1211% | 3,643 |
| Loan and lease loss provision to assets | 0.0575% | 6,989 |
| Net operating income to assets | 0.2421% | 4,752 |
| Return on assets (ROA) | 0.4593% | 4,017 |
| Pretax return on assets | 0.6212% | 3,843 |
| Return on Equity (ROE) | 6.5242% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.5242% | 1,142 |
| Net charge-offs to loans | 0.0483% | 6,616 |
| Credit loss provision to net charge-offs | 201.9608% | 1,926 |
| Earnings coverage of net charge-offs (x) | 13.5294% | 1,421 |
| Efficiency ratio | 89.0162% | 1,796 |
| Assets per employee ($millions) | 4.8441% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 7,121 |
| Loan loss allowance to noncurrent loans | 32.0225% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 3,913 |
| Noncurrent loans to loans | 2.5073% | 3,037 |
| Net loans and leases to total assets | 57.3872% | 5,760 |
| Net loans and leases to deposits | 68.0897% | 5,813 |
| Net loans and leases to core deposits | 93.8169% | 4,691 |
| Total domestic deposits to total assets | 84.2819% | 3,906 |
| Equity capital to assets | 7.3720% | 7,144 |
| Core capital (leverage) ratio | 7.0336% | 7,209 |
| Tier 1 risk-based capital ratio | 13.0142% | 4,134 |
| Total risk-based capital ratio | 13.8543% | 4,382 |
| Memoranda: | ||
| Average total assets | $179,168,000 | 3,454 |
| Average earning assets | $164,748,800 | 3,430 |
| Average equity | $12,614,600 | 4,607 |
| Average total loans | $105,656,800 | 3,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 5,974 |
| Cost of funding earning assets | 2.1718% | 2,547 |
| Net interest margin | 3.0054% | 6,596 |
| Noninterest income to average assets | 0.7088% | 2,961 |
| Noninterest expense to average assets | 2.9582% | 4,214 |
| Loan and lease loss provision to assets | 0.0022% | 7,279 |
| Net operating income to assets | 0.3731% | 4,501 |
| Return on assets (ROA) | 0.5755% | 3,772 |
| Pretax return on assets | 0.8010% | 3,540 |
| Return on Equity (ROE) | 8.2740% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.2740% | 1,052 |
| Net charge-offs to loans | 0.0632% | 6,068 |
| Credit loss provision to net charge-offs | 6.0000% | 6,635 |
| Earnings coverage of net charge-offs (x) | 13.9390% | 1,636 |
| Efficiency ratio | 84.9946% | 2,187 |
| Assets per employee ($millions) | 4.8930% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 7,352 |
| Loan loss allowance to noncurrent loans | 22.0087% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 3,300 |
| Noncurrent loans to loans | 3.2096% | 2,356 |
| Net loans and leases to total assets | 57.1528% | 6,017 |
| Net loans and leases to deposits | 71.5882% | 5,720 |
| Net loans and leases to core deposits | 98.6749% | 4,526 |
| Total domestic deposits to total assets | 79.8354% | 5,504 |
| Equity capital to assets | 7.4117% | 7,364 |
| Core capital (leverage) ratio | 7.0562% | 7,397 |
| Tier 1 risk-based capital ratio | 12.9750% | 4,207 |
| Total risk-based capital ratio | 13.7176% | 4,522 |
| Memoranda: | ||
| Average total assets | $177,941,500 | 3,495 |
| Average earning assets | $164,101,000 | 3,472 |
| Average equity | $12,375,750 | 4,686 |
| Average total loans | $105,448,500 | 3,838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 5,747 |
| Cost of funding earning assets | 2.2556% | 2,550 |
| Net interest margin | 3.0247% | 6,473 |
| Noninterest income to average assets | 0.7714% | 2,584 |
| Noninterest expense to average assets | 2.9279% | 4,395 |
| Loan and lease loss provision to assets | 0.0023% | 7,146 |
| Net operating income to assets | 0.4365% | 4,351 |
| Return on assets (ROA) | 0.7360% | 3,212 |
| Pretax return on assets | 1.0555% | 2,794 |
| Return on Equity (ROE) | 10.8337% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.8337% | 586 |
| Net charge-offs to loans | 0.0934% | 5,248 |
| Credit loss provision to net charge-offs | 4.0816% | 6,224 |
| Earnings coverage of net charge-offs (x) | 11.2653% | 1,919 |
| Efficiency ratio | 82.2963% | 2,687 |
| Assets per employee ($millions) | 5.0001% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 7,399 |
| Loan loss allowance to noncurrent loans | 43.1507% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 4,677 |
| Noncurrent loans to loans | 1.6445% | 4,030 |
| Net loans and leases to total assets | 57.1778% | 6,070 |
| Net loans and leases to deposits | 70.9238% | 5,877 |
| Net loans and leases to core deposits | 101.9399% | 4,283 |
| Total domestic deposits to total assets | 80.6186% | 5,229 |
| Equity capital to assets | 6.6805% | 7,758 |
| Core capital (leverage) ratio | 6.9959% | 7,544 |
| Tier 1 risk-based capital ratio | 12.6357% | 4,407 |
| Total risk-based capital ratio | 13.3830% | 4,724 |
| Memoranda: | ||
| Average total assets | $175,277,000 | 3,551 |
| Average earning assets | $161,468,000 | 3,535 |
| Average equity | $11,907,330 | 4,836 |
| Average total loans | $104,923,670 | 3,895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 5,075 |
| Cost of funding earning assets | 2.3432% | 2,530 |
| Net interest margin | 3.1251% | 6,123 |
| Noninterest income to average assets | 0.7089% | 2,834 |
| Noninterest expense to average assets | 2.6430% | 5,249 |
| Loan and lease loss provision to assets | 0.0023% | 6,740 |
| Net operating income to assets | 0.6386% | 3,843 |
| Return on assets (ROA) | 0.9882% | 2,496 |
| Pretax return on assets | 1.4576% | 1,793 |
| Return on Equity (ROE) | 14.4160% | 1,088 |
| Retained earnings to average equity (ytd only) | 14.4160% | 479 |
| Net charge-offs to loans | 0.0115% | 5,453 |
| Credit loss provision to net charge-offs | 33.3333% | 4,911 |
| Earnings coverage of net charge-offs (x) | 134.3333% | 323 |
| Efficiency ratio | 73.6429% | 3,885 |
| Assets per employee ($millions) | 4.8876% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 7,248 |
| Loan loss allowance to noncurrent loans | 50.2194% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 4,475 |
| Noncurrent loans to loans | 1.5349% | 3,977 |
| Net loans and leases to total assets | 58.6025% | 5,856 |
| Net loans and leases to deposits | 73.2864% | 5,573 |
| Net loans and leases to core deposits | 103.5343% | 4,185 |
| Total domestic deposits to total assets | 79.9636% | 5,386 |
| Equity capital to assets | 6.6636% | 7,822 |
| Core capital (leverage) ratio | 7.0596% | 7,598 |
| Tier 1 risk-based capital ratio | 12.3954% | 4,621 |
| Total risk-based capital ratio | 13.2232% | 4,879 |
| Memoranda: | ||
| Average total assets | $170,414,500 | 3,643 |
| Average earning assets | $157,051,000 | 3,629 |
| Average equity | $11,681,500 | 4,930 |
| Average total loans | $104,117,500 | 3,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8304% | 6,333 |
| Cost of funding earning assets | 2.8171% | 2,637 |
| Net interest margin | 3.0133% | 6,876 |
| Noninterest income to average assets | 0.4478% | 5,056 |
| Noninterest expense to average assets | 2.6708% | 5,379 |
| Loan and lease loss provision to assets | 0.0668% | 6,560 |
| Net operating income to assets | 0.4426% | 4,981 |
| Return on assets (ROA) | -0.3031% | 6,602 |
| Pretax return on assets | -0.6801% | 6,796 |
| Return on Equity (ROE) | -3.7573% | 6,714 |
| Retained earnings to average equity (ytd only) | -3.7573% | 6,276 |
| Net charge-offs to loans | 0.0010% | 7,026 |
| Credit loss provision to net charge-offs | 10,200.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 843.0000% | 58 |
| Efficiency ratio | 82.8763% | 2,196 |
| Assets per employee ($millions) | 5.4958% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 7,203 |
| Loan loss allowance to noncurrent loans | 71.1249% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 4,605 |
| Noncurrent loans to loans | 1.0822% | 4,403 |
| Net loans and leases to total assets | 62.7855% | 5,492 |
| Net loans and leases to deposits | 81.6039% | 4,777 |
| Net loans and leases to core deposits | 112.0205% | 3,563 |
| Total domestic deposits to total assets | 76.9394% | 6,013 |
| Equity capital to assets | 7.0587% | 7,705 |
| Core capital (leverage) ratio | 7.4373% | 7,276 |
| Tier 1 risk-based capital ratio | 12.6335% | 4,337 |
| Total risk-based capital ratio | 13.4771% | 4,536 |
| Memoranda: | ||
| Average total assets | $152,763,200 | 3,851 |
| Average earning assets | $140,675,400 | 3,833 |
| Average equity | $12,322,800 | 4,751 |
| Average total loans | $99,835,600 | 3,957 |