Home > Chelsea Groton Bank > Performance and Condition Ratios
Chelsea Groton Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,169 |
| Cost of funding earning assets | 0.5358% | 4,161 |
| Net interest margin | 3.2770% | 2,689 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.4447% | 2,457 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8886% | 2,585 |
| Return on assets (ROA) | 1.0525% | 2,028 |
| Pretax return on assets | 1.2965% | 1,875 |
| Return on Equity (ROE) | 8.3900% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.3894% | 1,428 |
| Net charge-offs to loans | 0.0503% | 1,361 |
| Credit loss provision to net charge-offs | 176.4045% | 1,329 |
| Earnings coverage of net charge-offs (x) | 34.4064% | 1,547 |
| Efficiency ratio | 67.9461% | 2,117 |
| Assets per employee ($millions) | 7.5327% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 3,689 |
| Loan loss allowance to noncurrent loans | 222.3407% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 1,819 |
| Noncurrent loans to loans | 0.4073% | 1,765 |
| Net loans and leases to total assets | 68.4300% | 1,985 |
| Net loans and leases to deposits | 91.7173% | 1,120 |
| Net loans and leases to core deposits | 93.2538% | 1,827 |
| Total domestic deposits to total assets | 74.6100% | 4,061 |
| Equity capital to assets | 13.1223% | 840 |
| Core capital (leverage) ratio | 14.3800% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1417% | 680 |
| Memoranda: | ||
| Average total assets | $1,593,047,000 | 685 |
| Average earning assets | $1,457,871,000 | 681 |
| Average equity | $199,859,200 | 542 |
| Average total loans | $1,060,843,000 | 693 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,202 |
| Cost of funding earning assets | 0.4204% | 4,233 |
| Net interest margin | 3.2893% | 2,711 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.3999% | 2,516 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9080% | 2,650 |
| Return on assets (ROA) | 1.2064% | 1,769 |
| Pretax return on assets | 1.5062% | 1,543 |
| Return on Equity (ROE) | 9.7300% | 2,724 |
| Retained earnings to average equity (ytd only) | 9.7313% | 1,480 |
| Net charge-offs to loans | 0.0636% | 1,027 |
| Credit loss provision to net charge-offs | 138.7550% | 1,368 |
| Earnings coverage of net charge-offs (x) | 28.3996% | 1,617 |
| Efficiency ratio | 66.8238% | 2,174 |
| Assets per employee ($millions) | 7.6094% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 3,686 |
| Loan loss allowance to noncurrent loans | 192.6825% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 1,662 |
| Noncurrent loans to loans | 0.4735% | 1,639 |
| Net loans and leases to total assets | 67.3700% | 2,124 |
| Net loans and leases to deposits | 83.9443% | 1,742 |
| Net loans and leases to core deposits | 85.2851% | 2,235 |
| Total domestic deposits to total assets | 80.2500% | 3,491 |
| Equity capital to assets | 12.1287% | 1,008 |
| Core capital (leverage) ratio | 14.6124% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1948% | 677 |
| Memoranda: | ||
| Average total assets | $1,582,662,250 | 694 |
| Average earning assets | $1,449,929,500 | 685 |
| Average equity | $196,200,000 | 543 |
| Average total loans | $1,043,856,500 | 704 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 4,213 |
| Cost of funding earning assets | 0.3418% | 4,253 |
| Net interest margin | 3.2932% | 2,765 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.3678% | 2,601 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9285% | 2,657 |
| Return on assets (ROA) | 1.5173% | 1,067 |
| Pretax return on assets | 1.9070% | 852 |
| Return on Equity (ROE) | 12.1500% | 2,104 |
| Retained earnings to average equity (ytd only) | 12.1499% | 952 |
| Net charge-offs to loans | 0.1052% | 657 |
| Credit loss provision to net charge-offs | 84.8148% | 1,529 |
| Earnings coverage of net charge-offs (x) | 17.8981% | 1,782 |
| Efficiency ratio | 65.8263% | 2,265 |
| Assets per employee ($millions) | 7.7255% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 3,686 |
| Loan loss allowance to noncurrent loans | 182.0921% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,572 |
| Noncurrent loans to loans | 0.5106% | 1,435 |
| Net loans and leases to total assets | 65.4700% | 2,216 |
| Net loans and leases to deposits | 81.0776% | 1,901 |
| Net loans and leases to core deposits | 82.4497% | 2,296 |
| Total domestic deposits to total assets | 80.7500% | 3,465 |
| Equity capital to assets | 12.7665% | 868 |
| Core capital (leverage) ratio | 14.8174% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1827% | 622 |
| Memoranda: | ||
| Average total assets | $1,572,487,667 | 683 |
| Average earning assets | $1,442,179,000 | 680 |
| Average equity | $196,380,667 | 535 |
| Average total loans | $1,026,224,000 | 697 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5828% | 4,173 |
| Cost of funding earning assets | 0.2587% | 4,281 |
| Net interest margin | 3.3241% | 2,818 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.4040% | 2,518 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9226% | 2,777 |
| Return on assets (ROA) | 1.3806% | 1,440 |
| Pretax return on assets | 1.7553% | 1,162 |
| Return on Equity (ROE) | 11.1800% | 2,444 |
| Retained earnings to average equity (ytd only) | 11.1806% | 1,430 |
| Net charge-offs to loans | 0.1799% | 402 |
| Credit loss provision to net charge-offs | 49.2341% | 1,304 |
| Earnings coverage of net charge-offs (x) | 10.5689% | 1,658 |
| Efficiency ratio | 66.0981% | 2,195 |
| Assets per employee ($millions) | 7.8062% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 3,760 |
| Loan loss allowance to noncurrent loans | 160.1371% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 1,346 |
| Noncurrent loans to loans | 0.5849% | 1,269 |
| Net loans and leases to total assets | 64.9100% | 2,162 |
| Net loans and leases to deposits | 78.1672% | 1,954 |
| Net loans and leases to core deposits | 79.1537% | 2,310 |
| Total domestic deposits to total assets | 83.0300% | 3,291 |
| Equity capital to assets | 12.7053% | 827 |
| Core capital (leverage) ratio | 14.4370% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4099% | 620 |
| Memoranda: | ||
| Average total assets | $1,566,868,000 | 698 |
| Average earning assets | $1,439,669,500 | 694 |
| Average equity | $193,478,000 | 552 |
| Average total loans | $1,016,066,500 | 711 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0906% | 4,004 |
| Cost of funding earning assets | 0.1151% | 4,313 |
| Net interest margin | 2.9755% | 3,512 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.2114% | 2,999 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9313% | 2,843 |
| Return on assets (ROA) | 0.3114% | 4,328 |
| Pretax return on assets | 0.3499% | 4,329 |
| Return on Equity (ROE) | 2.5300% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.5338% | 3,844 |
| Net charge-offs to loans | 0.0348% | 1,384 |
| Credit loss provision to net charge-offs | 164.6707% | 1,237 |
| Earnings coverage of net charge-offs (x) | 51.1766% | 1,345 |
| Efficiency ratio | 67.1636% | 2,066 |
| Assets per employee ($millions) | 7.7463% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,505 |
| Loan loss allowance to noncurrent loans | 140.7689% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 1,149 |
| Noncurrent loans to loans | 0.6907% | 1,084 |
| Net loans and leases to total assets | 63.5600% | 2,285 |
| Net loans and leases to deposits | 75.9517% | 2,101 |
| Net loans and leases to core deposits | 77.0925% | 2,344 |
| Total domestic deposits to total assets | 83.6800% | 3,277 |
| Equity capital to assets | 11.9934% | 936 |
| Core capital (leverage) ratio | 13.8746% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1503% | 618 |
| Memoranda: | ||
| Average total assets | $1,580,963,200 | 679 |
| Average earning assets | $1,467,469,600 | 668 |
| Average equity | $194,292,000 | 540 |
| Average total loans | $959,771,200 | 711 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9597% | 3,965 |
| Cost of funding earning assets | 0.0962% | 4,312 |
| Net interest margin | 2.8636% | 3,586 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.2498% | 2,792 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7568% | 3,400 |
| Return on assets (ROA) | -0.2047% | 4,628 |
| Pretax return on assets | -0.2892% | 4,632 |
| Return on Equity (ROE) | -1.6600% | 4,610 |
| Retained earnings to average equity (ytd only) | -1.6561% | 4,470 |
| Net charge-offs to loans | 0.0470% | 1,014 |
| Credit loss provision to net charge-offs | 116.1677% | 1,237 |
| Earnings coverage of net charge-offs (x) | 34.1467% | 1,457 |
| Efficiency ratio | 70.0798% | 1,755 |
| Assets per employee ($millions) | 7.9224% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,532 |
| Loan loss allowance to noncurrent loans | 159.2311% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 1,427 |
| Noncurrent loans to loans | 0.6218% | 1,307 |
| Net loans and leases to total assets | 60.3100% | 2,469 |
| Net loans and leases to deposits | 71.3059% | 2,262 |
| Net loans and leases to core deposits | 72.4276% | 2,455 |
| Total domestic deposits to total assets | 84.5700% | 3,374 |
| Equity capital to assets | 10.8638% | 1,227 |
| Core capital (leverage) ratio | 13.4898% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6904% | 763 |
| Memoranda: | ||
| Average total assets | $1,583,080,000 | 684 |
| Average earning assets | $1,472,120,500 | 671 |
| Average equity | $195,716,250 | 540 |
| Average total loans | $947,410,250 | 718 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8392% | 3,918 |
| Cost of funding earning assets | 0.0810% | 4,367 |
| Net interest margin | 2.7582% | 3,554 |
| Noninterest income to average assets | 0.5202% | 2,085 |
| Noninterest expense to average assets | 2.2457% | 2,716 |
| Loan and lease loss provision to assets | 0.0322% | 2,009 |
| Net operating income to assets | 0.6631% | 3,434 |
| Return on assets (ROA) | -0.4864% | 4,666 |
| Pretax return on assets | -0.6397% | 4,672 |
| Return on Equity (ROE) | -3.7793% | 4,658 |
| Retained earnings to average equity (ytd only) | -3.7793% | 4,491 |
| Net charge-offs to loans | 0.0688% | 749 |
| Credit loss provision to net charge-offs | 78.6378% | 1,389 |
| Earnings coverage of net charge-offs (x) | 20.6935% | 1,542 |
| Efficiency ratio | 72.6009% | 1,677 |
| Assets per employee ($millions) | 7.7140% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,577 |
| Loan loss allowance to noncurrent loans | 150.7356% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 1,395 |
| Noncurrent loans to loans | 0.6658% | 1,289 |
| Net loans and leases to total assets | 60.0223% | 2,324 |
| Net loans and leases to deposits | 71.9843% | 2,027 |
| Net loans and leases to core deposits | 73.6019% | 2,201 |
| Total domestic deposits to total assets | 83.3824% | 3,805 |
| Equity capital to assets | 11.9928% | 878 |
| Core capital (leverage) ratio | 13.6292% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7502% | 746 |
| Memoranda: | ||
| Average total assets | $1,577,332,000 | 673 |
| Average earning assets | $1,471,376,667 | 671 |
| Average equity | $203,003,000 | 524 |
| Average total loans | $938,303,333 | 711 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7145% | 3,919 |
| Cost of funding earning assets | 0.0753% | 4,400 |
| Net interest margin | 2.6392% | 3,558 |
| Noninterest income to average assets | 0.4753% | 2,274 |
| Noninterest expense to average assets | 2.2350% | 2,734 |
| Loan and lease loss provision to assets | 0.0326% | 1,782 |
| Net operating income to assets | 0.5545% | 3,542 |
| Return on assets (ROA) | -0.2656% | 4,642 |
| Pretax return on assets | -0.3505% | 4,649 |
| Return on Equity (ROE) | -1.9962% | 4,638 |
| Retained earnings to average equity (ytd only) | -1.9962% | 4,248 |
| Net charge-offs to loans | 0.1364% | 414 |
| Credit loss provision to net charge-offs | 40.5660% | 1,225 |
| Earnings coverage of net charge-offs (x) | 8.9623% | 1,499 |
| Efficiency ratio | 75.6306% | 1,571 |
| Assets per employee ($millions) | 7.7576% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,620 |
| Loan loss allowance to noncurrent loans | 113.8570% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 1,144 |
| Noncurrent loans to loans | 0.8988% | 1,030 |
| Net loans and leases to total assets | 57.7809% | 2,318 |
| Net loans and leases to deposits | 69.9378% | 1,973 |
| Net loans and leases to core deposits | 71.5384% | 2,148 |
| Total domestic deposits to total assets | 82.6176% | 3,998 |
| Equity capital to assets | 12.8171% | 731 |
| Core capital (leverage) ratio | 13.9309% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4966% | 698 |
| Memoranda: | ||
| Average total assets | $1,583,028,500 | 674 |
| Average earning assets | $1,487,402,500 | 668 |
| Average equity | $210,604,500 | 520 |
| Average total loans | $932,735,000 | 702 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9187% | 4,021 |
| Cost of funding earning assets | 0.1077% | 4,329 |
| Net interest margin | 2.8110% | 3,637 |
| Noninterest income to average assets | 0.5544% | 2,342 |
| Noninterest expense to average assets | 2.2845% | 2,835 |
| Loan and lease loss provision to assets | 0.0614% | 1,839 |
| Net operating income to assets | 0.6253% | 3,823 |
| Return on assets (ROA) | 1.1448% | 2,183 |
| Pretax return on assets | 1.4235% | 1,966 |
| Return on Equity (ROE) | 8.2573% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.2573% | 1,440 |
| Net charge-offs to loans | 0.0319% | 1,598 |
| Credit loss provision to net charge-offs | 297.4522% | 1,069 |
| Earnings coverage of net charge-offs (x) | 40.4968% | 1,432 |
| Efficiency ratio | 73.2221% | 1,396 |
| Assets per employee ($millions) | 7.7245% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,682 |
| Loan loss allowance to noncurrent loans | 90.3587% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 969 |
| Noncurrent loans to loans | 1.1226% | 862 |
| Net loans and leases to total assets | 58.8548% | 2,286 |
| Net loans and leases to deposits | 72.0928% | 1,898 |
| Net loans and leases to core deposits | 74.0833% | 2,071 |
| Total domestic deposits to total assets | 81.6376% | 4,020 |
| Equity capital to assets | 13.7857% | 706 |
| Core capital (leverage) ratio | 13.8727% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4663% | 702 |
| Memoranda: | ||
| Average total assets | $1,522,052,600 | 674 |
| Average earning assets | $1,389,106,200 | 685 |
| Average equity | $211,012,400 | 515 |
| Average total loans | $982,952,200 | 669 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 4,040 |
| Cost of funding earning assets | 0.1168% | 4,370 |
| Net interest margin | 2.8644% | 3,626 |
| Noninterest income to average assets | 0.5612% | 2,368 |
| Noninterest expense to average assets | 2.2436% | 2,914 |
| Loan and lease loss provision to assets | 0.0811% | 1,464 |
| Net operating income to assets | 0.6673% | 3,846 |
| Return on assets (ROA) | 1.0624% | 2,749 |
| Pretax return on assets | 1.3154% | 2,584 |
| Return on Equity (ROE) | 7.6517% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.6517% | 2,161 |
| Net charge-offs to loans | 0.0560% | 1,086 |
| Credit loss provision to net charge-offs | 219.4245% | 1,162 |
| Earnings coverage of net charge-offs (x) | 24.5947% | 1,638 |
| Efficiency ratio | 71.1724% | 1,477 |
| Assets per employee ($millions) | 7.6304% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,881 |
| Loan loss allowance to noncurrent loans | 73.0194% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 849 |
| Noncurrent loans to loans | 1.3546% | 791 |
| Net loans and leases to total assets | 60.3411% | 2,209 |
| Net loans and leases to deposits | 73.8696% | 1,869 |
| Net loans and leases to core deposits | 76.0957% | 2,038 |
| Total domestic deposits to total assets | 81.6860% | 3,981 |
| Equity capital to assets | 13.5885% | 828 |
| Core capital (leverage) ratio | 13.8710% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1150% | 797 |
| Memoranda: | ||
| Average total assets | $1,504,752,000 | 689 |
| Average earning assets | $1,361,163,500 | 695 |
| Average equity | $208,924,250 | 519 |
| Average total loans | $992,158,500 | 675 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0700% | 3,924 |
| Cost of funding earning assets | 0.1284% | 4,365 |
| Net interest margin | 2.9416% | 3,467 |
| Noninterest income to average assets | 0.5525% | 2,395 |
| Noninterest expense to average assets | 2.1924% | 3,114 |
| Loan and lease loss provision to assets | 0.1222% | 1,028 |
| Net operating income to assets | 0.7024% | 3,759 |
| Return on assets (ROA) | 1.2628% | 2,057 |
| Pretax return on assets | 1.5692% | 1,823 |
| Return on Equity (ROE) | 9.0274% | 3,090 |
| Retained earnings to average equity (ytd only) | 9.0274% | 1,698 |
| Net charge-offs to loans | 0.1006% | 736 |
| Credit loss provision to net charge-offs | 179.4059% | 1,093 |
| Earnings coverage of net charge-offs (x) | 14.5446% | 1,658 |
| Efficiency ratio | 68.8705% | 1,777 |
| Assets per employee ($millions) | 7.4387% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 4,033 |
| Loan loss allowance to noncurrent loans | 55.7484% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 679 |
| Noncurrent loans to loans | 1.6829% | 632 |
| Net loans and leases to total assets | 64.6200% | 1,876 |
| Net loans and leases to deposits | 79.3710% | 1,478 |
| Net loans and leases to core deposits | 82.0742% | 1,718 |
| Total domestic deposits to total assets | 81.4152% | 4,026 |
| Equity capital to assets | 13.8385% | 748 |
| Core capital (leverage) ratio | 14.2845% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8678% | 830 |
| Memoranda: | ||
| Average total assets | $1,482,381,333 | 696 |
| Average earning assets | $1,325,819,000 | 709 |
| Average equity | $207,368,000 | 520 |
| Average total loans | $1,003,559,667 | 673 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 3,681 |
| Cost of funding earning assets | 0.1406% | 4,379 |
| Net interest margin | 3.0637% | 3,098 |
| Noninterest income to average assets | 0.5673% | 2,338 |
| Noninterest expense to average assets | 2.0829% | 3,478 |
| Loan and lease loss provision to assets | 0.1235% | 1,111 |
| Net operating income to assets | 0.8243% | 3,341 |
| Return on assets (ROA) | 1.2458% | 2,073 |
| Pretax return on assets | 1.5672% | 1,812 |
| Return on Equity (ROE) | 8.8555% | 3,084 |
| Retained earnings to average equity (ytd only) | 8.8555% | 1,998 |
| Net charge-offs to loans | 0.1233% | 584 |
| Credit loss provision to net charge-offs | 145.1613% | 992 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,396 |
| Efficiency ratio | 64.2863% | 2,430 |
| Assets per employee ($millions) | 7.0652% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,156 |
| Loan loss allowance to noncurrent loans | 48.5257% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 555 |
| Noncurrent loans to loans | 1.8535% | 613 |
| Net loans and leases to total assets | 68.3557% | 1,484 |
| Net loans and leases to deposits | 84.3369% | 1,112 |
| Net loans and leases to core deposits | 87.3266% | 1,430 |
| Total domestic deposits to total assets | 81.0508% | 4,055 |
| Equity capital to assets | 14.0408% | 663 |
| Core capital (leverage) ratio | 14.4892% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7943% | 816 |
| Memoranda: | ||
| Average total assets | $1,457,390,000 | 701 |
| Average earning assets | $1,271,415,500 | 729 |
| Average equity | $205,024,000 | 520 |
| Average total loans | $1,005,543,500 | 674 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4310% | 4,153 |
| Cost of funding earning assets | 0.2014% | 4,583 |
| Net interest margin | 3.2295% | 3,274 |
| Noninterest income to average assets | 0.6288% | 2,102 |
| Noninterest expense to average assets | 2.5065% | 2,832 |
| Loan and lease loss provision to assets | 0.0885% | 3,254 |
| Net operating income to assets | 0.8111% | 3,049 |
| Return on assets (ROA) | 0.9932% | 2,461 |
| Pretax return on assets | 1.2170% | 2,273 |
| Return on Equity (ROE) | 6.7561% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.7561% | 1,483 |
| Net charge-offs to loans | 0.0084% | 3,032 |
| Credit loss provision to net charge-offs | 1,474.6835% | 568 |
| Earnings coverage of net charge-offs (x) | 180.5190% | 504 |
| Efficiency ratio | 69.8199% | 1,974 |
| Assets per employee ($millions) | 6.8171% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,183 |
| Loan loss allowance to noncurrent loans | 53.2981% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 758 |
| Noncurrent loans to loans | 1.6886% | 765 |
| Net loans and leases to total assets | 68.3954% | 1,776 |
| Net loans and leases to deposits | 88.6301% | 1,030 |
| Net loans and leases to core deposits | 91.7982% | 1,399 |
| Total domestic deposits to total assets | 77.1695% | 4,395 |
| Equity capital to assets | 14.0955% | 772 |
| Core capital (leverage) ratio | 14.7907% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3936% | 634 |
| Memoranda: | ||
| Average total assets | $1,316,265,600 | 696 |
| Average earning assets | $1,206,864,000 | 693 |
| Average equity | $193,497,800 | 518 |
| Average total loans | $943,859,400 | 680 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 4,309 |
| Cost of funding earning assets | 0.2118% | 4,627 |
| Net interest margin | 3.2220% | 3,422 |
| Noninterest income to average assets | 0.6277% | 2,071 |
| Noninterest expense to average assets | 2.4198% | 3,079 |
| Loan and lease loss provision to assets | 0.0666% | 3,506 |
| Net operating income to assets | 0.9021% | 2,698 |
| Return on assets (ROA) | 0.8678% | 2,970 |
| Pretax return on assets | 1.0938% | 2,771 |
| Return on Equity (ROE) | 5.8354% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.8354% | 2,177 |
| Net charge-offs to loans | 0.0043% | 3,001 |
| Credit loss provision to net charge-offs | 2,136.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 386.4333% | 296 |
| Efficiency ratio | 66.7794% | 2,349 |
| Assets per employee ($millions) | 6.8330% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,251 |
| Loan loss allowance to noncurrent loans | 46.2216% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2819% | 749 |
| Noncurrent loans to loans | 1.8191% | 728 |
| Net loans and leases to total assets | 69.8751% | 1,967 |
| Net loans and leases to deposits | 91.8914% | 1,081 |
| Net loans and leases to core deposits | 95.2759% | 1,527 |
| Total domestic deposits to total assets | 76.0409% | 4,418 |
| Equity capital to assets | 13.8199% | 904 |
| Core capital (leverage) ratio | 14.8366% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8127% | 699 |
| Memoranda: | ||
| Average total assets | $1,284,026,000 | 694 |
| Average earning assets | $1,193,943,000 | 685 |
| Average equity | $190,944,500 | 521 |
| Average total loans | $930,463,250 | 682 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 4,306 |
| Cost of funding earning assets | 0.2316% | 4,679 |
| Net interest margin | 3.3419% | 3,264 |
| Noninterest income to average assets | 0.6462% | 1,945 |
| Noninterest expense to average assets | 2.7035% | 2,374 |
| Loan and lease loss provision to assets | 0.0365% | 3,815 |
| Net operating income to assets | 0.8486% | 2,875 |
| Return on assets (ROA) | 0.4001% | 4,291 |
| Pretax return on assets | 0.4734% | 4,294 |
| Return on Equity (ROE) | 2.6187% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.6187% | 3,540 |
| Net charge-offs to loans | 0.0071% | 2,707 |
| Credit loss provision to net charge-offs | 703.1250% | 1,002 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 450 |
| Efficiency ratio | 72.2668% | 1,643 |
| Assets per employee ($millions) | 6.5301% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,275 |
| Loan loss allowance to noncurrent loans | 59.2451% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 1,217 |
| Noncurrent loans to loans | 1.3916% | 1,114 |
| Net loans and leases to total assets | 69.5857% | 2,093 |
| Net loans and leases to deposits | 91.5518% | 1,208 |
| Net loans and leases to core deposits | 95.0630% | 1,655 |
| Total domestic deposits to total assets | 76.0069% | 4,429 |
| Equity capital to assets | 13.7619% | 906 |
| Core capital (leverage) ratio | 15.6391% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3732% | 731 |
| Memoranda: | ||
| Average total assets | $1,233,725,667 | 710 |
| Average earning assets | $1,142,524,000 | 710 |
| Average equity | $188,490,667 | 528 |
| Average total loans | $903,564,667 | 693 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 4,098 |
| Cost of funding earning assets | 0.2647% | 4,741 |
| Net interest margin | 3.6040% | 2,654 |
| Noninterest income to average assets | 0.7324% | 1,523 |
| Noninterest expense to average assets | 2.9743% | 1,944 |
| Loan and lease loss provision to assets | 0.0222% | 3,529 |
| Net operating income to assets | 0.8661% | 2,630 |
| Return on assets (ROA) | -1.0255% | 4,974 |
| Pretax return on assets | -1.3300% | 4,983 |
| Return on Equity (ROE) | -6.3308% | 4,952 |
| Retained earnings to average equity (ytd only) | -6.3308% | 4,604 |
| Net charge-offs to loans | 0.0074% | 2,302 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 195.5625% | 353 |
| Efficiency ratio | 73.2427% | 1,911 |
| Assets per employee ($millions) | 5.3010% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,070 |
| Loan loss allowance to noncurrent loans | 84.0284% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 1,620 |
| Noncurrent loans to loans | 1.0842% | 1,533 |
| Net loans and leases to total assets | 74.3802% | 1,550 |
| Net loans and leases to deposits | 95.4176% | 968 |
| Net loans and leases to core deposits | 100.3990% | 1,441 |
| Total domestic deposits to total assets | 77.9523% | 4,228 |
| Equity capital to assets | 15.9725% | 587 |
| Core capital (leverage) ratio | 16.2572% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0823% | 735 |
| Memoranda: | ||
| Average total assets | $1,151,867,500 | 730 |
| Average earning assets | $1,063,830,000 | 721 |
| Average equity | $186,578,500 | 527 |
| Average total loans | $865,095,000 | 698 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 4,297 |
| Cost of funding earning assets | 0.2836% | 4,763 |
| Net interest margin | 3.6982% | 2,820 |
| Noninterest income to average assets | 0.7478% | 1,636 |
| Noninterest expense to average assets | 2.9708% | 2,095 |
| Loan and lease loss provision to assets | 0.0419% | 3,174 |
| Net operating income to assets | 0.9331% | 3,082 |
| Return on assets (ROA) | 1.5857% | 920 |
| Pretax return on assets | 1.9651% | 643 |
| Return on Equity (ROE) | 10.0350% | 2,280 |
| Retained earnings to average equity (ytd only) | 10.0350% | 479 |
| Net charge-offs to loans | 0.0517% | 2,376 |
| Credit loss provision to net charge-offs | 108.6364% | 2,294 |
| Earnings coverage of net charge-offs (x) | 31.1614% | 1,541 |
| Efficiency ratio | 71.2069% | 1,987 |
| Assets per employee ($millions) | 5.4681% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 3,885 |
| Loan loss allowance to noncurrent loans | 102.6004% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 1,910 |
| Noncurrent loans to loans | 0.8956% | 1,716 |
| Net loans and leases to total assets | 74.4535% | 1,673 |
| Net loans and leases to deposits | 96.2020% | 921 |
| Net loans and leases to core deposits | 101.2102% | 1,466 |
| Total domestic deposits to total assets | 77.3928% | 4,449 |
| Equity capital to assets | 16.4269% | 538 |
| Core capital (leverage) ratio | 16.4201% | 470 |
| Tier 1 risk-based capital ratio | 21.3244% | 1,112 |
| Total risk-based capital ratio | 22.2105% | 1,145 |
| Memoranda: | ||
| Average total assets | $1,141,362,800 | 691 |
| Average earning assets | $1,056,840,000 | 685 |
| Average equity | $180,358,400 | 517 |
| Average total loans | $850,883,000 | 680 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 4,438 |
| Cost of funding earning assets | 0.2863% | 4,826 |
| Net interest margin | 3.6741% | 3,014 |
| Noninterest income to average assets | 0.7641% | 1,543 |
| Noninterest expense to average assets | 2.9093% | 2,234 |
| Loan and lease loss provision to assets | 0.0471% | 2,956 |
| Net operating income to assets | 0.9769% | 3,064 |
| Return on assets (ROA) | 1.7078% | 772 |
| Pretax return on assets | 2.1251% | 516 |
| Return on Equity (ROE) | 10.9157% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.9157% | 546 |
| Net charge-offs to loans | 0.0047% | 3,230 |
| Credit loss provision to net charge-offs | 1,343.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 358.9910% | 274 |
| Efficiency ratio | 69.8040% | 2,145 |
| Assets per employee ($millions) | 5.5756% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,817 |
| Loan loss allowance to noncurrent loans | 81.7856% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 1,560 |
| Noncurrent loans to loans | 1.1649% | 1,356 |
| Net loans and leases to total assets | 73.7396% | 1,866 |
| Net loans and leases to deposits | 94.5212% | 1,170 |
| Net loans and leases to core deposits | 99.1844% | 1,725 |
| Total domestic deposits to total assets | 78.0138% | 4,343 |
| Equity capital to assets | 16.0308% | 629 |
| Core capital (leverage) ratio | 16.2251% | 533 |
| Tier 1 risk-based capital ratio | 20.8714% | 1,207 |
| Total risk-based capital ratio | 21.7907% | 1,246 |
| Memoranda: | ||
| Average total assets | $1,140,997,500 | 696 |
| Average earning assets | $1,057,033,250 | 686 |
| Average equity | $178,515,250 | 521 |
| Average total loans | $848,913,000 | 682 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 4,431 |
| Cost of funding earning assets | 0.2851% | 4,861 |
| Net interest margin | 3.6885% | 2,968 |
| Noninterest income to average assets | 0.7588% | 1,484 |
| Noninterest expense to average assets | 2.8885% | 2,309 |
| Loan and lease loss provision to assets | 0.0453% | 2,915 |
| Net operating income to assets | 0.9969% | 2,934 |
| Return on assets (ROA) | 1.9608% | 436 |
| Pretax return on assets | 2.4451% | 264 |
| Return on Equity (ROE) | 12.6385% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.6385% | 337 |
| Net charge-offs to loans | 0.0031% | 3,057 |
| Credit loss provision to net charge-offs | 1,976.9231% | 193 |
| Earnings coverage of net charge-offs (x) | 561.0769% | 136 |
| Efficiency ratio | 69.2015% | 2,348 |
| Assets per employee ($millions) | 5.3833% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 3,883 |
| Loan loss allowance to noncurrent loans | 153.7892% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 2,640 |
| Noncurrent loans to loans | 0.6162% | 2,415 |
| Net loans and leases to total assets | 73.4625% | 1,973 |
| Net loans and leases to deposits | 93.7132% | 1,288 |
| Net loans and leases to core deposits | 98.4909% | 1,852 |
| Total domestic deposits to total assets | 78.3907% | 4,332 |
| Equity capital to assets | 15.8193% | 643 |
| Core capital (leverage) ratio | 16.1326% | 532 |
| Tier 1 risk-based capital ratio | 20.7103% | 1,217 |
| Total risk-based capital ratio | 21.6259% | 1,247 |
| Memoranda: | ||
| Average total assets | $1,134,758,330 | 694 |
| Average earning assets | $1,050,726,670 | 690 |
| Average equity | $176,049,670 | 523 |
| Average total loans | $844,085,670 | 683 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 4,438 |
| Cost of funding earning assets | 0.2781% | 4,907 |
| Net interest margin | 3.6884% | 2,940 |
| Noninterest income to average assets | 0.7275% | 1,518 |
| Noninterest expense to average assets | 2.9055% | 2,267 |
| Loan and lease loss provision to assets | 0.0465% | 2,720 |
| Net operating income to assets | 0.9436% | 3,076 |
| Return on assets (ROA) | 2.1419% | 310 |
| Pretax return on assets | 2.6843% | 186 |
| Return on Equity (ROE) | 13.9460% | 985 |
| Retained earnings to average equity (ytd only) | 13.9460% | 356 |
| Net charge-offs to loans | 0.0029% | 2,642 |
| Credit loss provision to net charge-offs | 2,183.3333% | 201 |
| Earnings coverage of net charge-offs (x) | 578.5000% | 126 |
| Efficiency ratio | 70.2086% | 2,305 |
| Assets per employee ($millions) | 5.3554% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,957 |
| Loan loss allowance to noncurrent loans | 140.6063% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 2,564 |
| Noncurrent loans to loans | 0.6766% | 2,326 |
| Net loans and leases to total assets | 73.1575% | 1,950 |
| Net loans and leases to deposits | 93.0227% | 1,281 |
| Net loans and leases to core deposits | 97.9600% | 1,777 |
| Total domestic deposits to total assets | 78.6448% | 4,411 |
| Equity capital to assets | 15.5450% | 639 |
| Core capital (leverage) ratio | 15.9547% | 538 |
| Tier 1 risk-based capital ratio | 20.4392% | 1,256 |
| Total risk-based capital ratio | 21.3550% | 1,290 |
| Memoranda: | ||
| Average total assets | $1,126,123,500 | 703 |
| Average earning assets | $1,041,440,000 | 702 |
| Average equity | $172,953,000 | 530 |
| Average total loans | $838,926,000 | 692 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 4,486 |
| Cost of funding earning assets | 0.2153% | 4,945 |
| Net interest margin | 3.5853% | 3,435 |
| Noninterest income to average assets | 0.7666% | 1,580 |
| Noninterest expense to average assets | 2.9374% | 2,224 |
| Loan and lease loss provision to assets | 0.0943% | 2,266 |
| Net operating income to assets | 0.8607% | 3,575 |
| Return on assets (ROA) | 1.0226% | 2,907 |
| Pretax return on assets | 1.2541% | 2,680 |
| Return on Equity (ROE) | 6.8395% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.8395% | 1,739 |
| Net charge-offs to loans | 0.0314% | 2,770 |
| Credit loss provision to net charge-offs | 404.6693% | 820 |
| Earnings coverage of net charge-offs (x) | 49.4047% | 1,148 |
| Efficiency ratio | 71.8489% | 1,926 |
| Assets per employee ($millions) | 5.3956% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 4,017 |
| Loan loss allowance to noncurrent loans | 138.0626% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 2,488 |
| Noncurrent loans to loans | 0.6777% | 2,303 |
| Net loans and leases to total assets | 74.4408% | 1,855 |
| Net loans and leases to deposits | 93.2862% | 1,359 |
| Net loans and leases to core deposits | 97.3746% | 1,931 |
| Total domestic deposits to total assets | 79.7983% | 4,150 |
| Equity capital to assets | 15.1685% | 675 |
| Core capital (leverage) ratio | 14.5165% | 794 |
| Tier 1 risk-based capital ratio | 18.6509% | 1,583 |
| Total risk-based capital ratio | 19.5593% | 1,619 |
| Memoranda: | ||
| Average total assets | $1,103,230,000 | 699 |
| Average earning assets | $1,022,119,600 | 691 |
| Average equity | $164,954,200 | 533 |
| Average total loans | $817,337,600 | 687 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 4,589 |
| Cost of funding earning assets | 0.2066% | 4,995 |
| Net interest margin | 3.5249% | 3,617 |
| Noninterest income to average assets | 0.7744% | 1,562 |
| Noninterest expense to average assets | 2.9054% | 2,288 |
| Loan and lease loss provision to assets | 0.0478% | 3,036 |
| Net operating income to assets | 0.8824% | 3,613 |
| Return on assets (ROA) | 1.1273% | 2,553 |
| Pretax return on assets | 1.3909% | 2,265 |
| Return on Equity (ROE) | 7.5674% | 3,724 |
| Retained earnings to average equity (ytd only) | 7.5674% | 1,862 |
| Net charge-offs to loans | 0.0340% | 2,403 |
| Credit loss provision to net charge-offs | 190.3382% | 1,443 |
| Earnings coverage of net charge-offs (x) | 45.2807% | 1,248 |
| Efficiency ratio | 71.8858% | 1,899 |
| Assets per employee ($millions) | 5.2376% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 4,401 |
| Loan loss allowance to noncurrent loans | 120.9500% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,533 |
| Noncurrent loans to loans | 0.7138% | 2,292 |
| Net loans and leases to total assets | 73.6548% | 2,048 |
| Net loans and leases to deposits | 92.0682% | 1,614 |
| Net loans and leases to core deposits | 96.1484% | 2,106 |
| Total domestic deposits to total assets | 80.0003% | 4,123 |
| Equity capital to assets | 14.9344% | 739 |
| Core capital (leverage) ratio | 14.5085% | 820 |
| Tier 1 risk-based capital ratio | 18.6954% | 1,614 |
| Total risk-based capital ratio | 19.5467% | 1,676 |
| Memoranda: | ||
| Average total assets | $1,099,813,250 | 696 |
| Average earning assets | $1,019,435,750 | 690 |
| Average equity | $163,838,750 | 528 |
| Average total loans | $811,852,000 | 687 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,606 |
| Cost of funding earning assets | 0.1986% | 5,037 |
| Net interest margin | 3.4911% | 3,660 |
| Noninterest income to average assets | 0.7443% | 1,671 |
| Noninterest expense to average assets | 2.9384% | 2,238 |
| Loan and lease loss provision to assets | 0.0477% | 2,954 |
| Net operating income to assets | 0.8089% | 3,828 |
| Return on assets (ROA) | 0.9046% | 3,442 |
| Pretax return on assets | 1.1084% | 3,281 |
| Return on Equity (ROE) | 6.0777% | 4,204 |
| Retained earnings to average equity (ytd only) | 6.0777% | 2,512 |
| Net charge-offs to loans | 0.0489% | 1,910 |
| Credit loss provision to net charge-offs | 132.6531% | 1,698 |
| Earnings coverage of net charge-offs (x) | 28.8827% | 1,545 |
| Efficiency ratio | 73.8703% | 1,725 |
| Assets per employee ($millions) | 5.0475% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 4,491 |
| Loan loss allowance to noncurrent loans | 83.6637% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 1,723 |
| Noncurrent loans to loans | 1.0357% | 1,699 |
| Net loans and leases to total assets | 73.5001% | 2,029 |
| Net loans and leases to deposits | 91.1787% | 1,683 |
| Net loans and leases to core deposits | 95.0798% | 2,139 |
| Total domestic deposits to total assets | 80.6110% | 4,099 |
| Equity capital to assets | 14.7438% | 744 |
| Core capital (leverage) ratio | 14.4965% | 783 |
| Tier 1 risk-based capital ratio | 18.2736% | 1,734 |
| Total risk-based capital ratio | 19.1153% | 1,800 |
| Memoranda: | ||
| Average total assets | $1,089,312,330 | 702 |
| Average earning assets | $1,008,898,000 | 696 |
| Average equity | $162,133,330 | 534 |
| Average total loans | $802,294,000 | 691 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,668 |
| Cost of funding earning assets | 0.1941% | 5,046 |
| Net interest margin | 3.4228% | 3,809 |
| Noninterest income to average assets | 0.7249% | 1,722 |
| Noninterest expense to average assets | 2.9712% | 2,138 |
| Loan and lease loss provision to assets | 0.0497% | 2,784 |
| Net operating income to assets | 0.7143% | 4,051 |
| Return on assets (ROA) | 0.8921% | 3,340 |
| Pretax return on assets | 1.0950% | 3,189 |
| Return on Equity (ROE) | 5.9651% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.9651% | 2,721 |
| Net charge-offs to loans | 0.0354% | 1,816 |
| Credit loss provision to net charge-offs | 191.4286% | 1,073 |
| Earnings coverage of net charge-offs (x) | 35.6429% | 1,131 |
| Efficiency ratio | 76.2562% | 1,558 |
| Assets per employee ($millions) | 4.9447% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 4,430 |
| Loan loss allowance to noncurrent loans | 78.4042% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 1,794 |
| Noncurrent loans to loans | 1.1532% | 1,576 |
| Net loans and leases to total assets | 72.2041% | 2,138 |
| Net loans and leases to deposits | 89.7311% | 1,721 |
| Net loans and leases to core deposits | 93.9975% | 2,141 |
| Total domestic deposits to total assets | 80.4672% | 4,328 |
| Equity capital to assets | 14.8871% | 700 |
| Core capital (leverage) ratio | 14.5066% | 762 |
| Tier 1 risk-based capital ratio | 18.4859% | 1,699 |
| Total risk-based capital ratio | 19.3512% | 1,754 |
| Memoranda: | ||
| Average total assets | $1,078,743,500 | 708 |
| Average earning assets | $999,518,500 | 705 |
| Average equity | $161,339,000 | 538 |
| Average total loans | $791,783,000 | 699 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,689 |
| Cost of funding earning assets | 0.1868% | 5,049 |
| Net interest margin | 3.3663% | 3,946 |
| Noninterest income to average assets | 0.7267% | 1,859 |
| Noninterest expense to average assets | 2.9016% | 2,452 |
| Loan and lease loss provision to assets | 0.0491% | 3,241 |
| Net operating income to assets | 0.5035% | 4,366 |
| Return on assets (ROA) | 0.5724% | 4,170 |
| Pretax return on assets | 0.9957% | 3,590 |
| Return on Equity (ROE) | 3.8565% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.8565% | 2,899 |
| Net charge-offs to loans | 0.0038% | 3,967 |
| Credit loss provision to net charge-offs | 1,800.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 343.6897% | 258 |
| Efficiency ratio | 75.5866% | 1,684 |
| Assets per employee ($millions) | 5.0689% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,526 |
| Loan loss allowance to noncurrent loans | 88.6298% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 1,883 |
| Noncurrent loans to loans | 1.0040% | 1,769 |
| Net loans and leases to total assets | 73.2805% | 2,050 |
| Net loans and leases to deposits | 90.5420% | 1,707 |
| Net loans and leases to core deposits | 94.6933% | 2,135 |
| Total domestic deposits to total assets | 80.9354% | 4,132 |
| Equity capital to assets | 15.0258% | 671 |
| Core capital (leverage) ratio | 14.1187% | 810 |
| Tier 1 risk-based capital ratio | 18.5428% | 1,637 |
| Total risk-based capital ratio | 19.4179% | 1,709 |
| Memoranda: | ||
| Average total assets | $1,063,527,600 | 695 |
| Average earning assets | $983,200,400 | 690 |
| Average equity | $157,864,800 | 526 |
| Average total loans | $765,269,800 | 685 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 4,733 |
| Cost of funding earning assets | 0.1871% | 5,078 |
| Net interest margin | 3.3471% | 4,025 |
| Noninterest income to average assets | 0.7176% | 1,922 |
| Noninterest expense to average assets | 2.8583% | 2,542 |
| Loan and lease loss provision to assets | 0.0490% | 3,116 |
| Net operating income to assets | 0.6436% | 4,216 |
| Return on assets (ROA) | 0.7436% | 3,832 |
| Pretax return on assets | 1.0448% | 3,508 |
| Return on Equity (ROE) | 5.0252% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.0252% | 2,872 |
| Net charge-offs to loans | -0.0032% | 4,378 |
| Credit loss provision to net charge-offs | -2,166.6667% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9951% | 1,745 |
| Assets per employee ($millions) | 5.1991% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,562 |
| Loan loss allowance to noncurrent loans | 92.0897% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 2,215 |
| Noncurrent loans to loans | 0.9789% | 1,967 |
| Net loans and leases to total assets | 70.6685% | 2,463 |
| Net loans and leases to deposits | 86.8818% | 2,197 |
| Net loans and leases to core deposits | 91.1432% | 2,516 |
| Total domestic deposits to total assets | 81.3386% | 3,962 |
| Equity capital to assets | 14.8233% | 772 |
| Core capital (leverage) ratio | 14.4228% | 784 |
| Tier 1 risk-based capital ratio | 19.1116% | 1,554 |
| Total risk-based capital ratio | 19.9920% | 1,612 |
| Memoranda: | ||
| Average total assets | $1,060,759,750 | 702 |
| Average earning assets | $980,447,500 | 695 |
| Average equity | $156,964,250 | 530 |
| Average total loans | $757,951,750 | 694 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 4,606 |
| Cost of funding earning assets | 0.1871% | 5,091 |
| Net interest margin | 3.3758% | 3,852 |
| Noninterest income to average assets | 0.7077% | 1,951 |
| Noninterest expense to average assets | 2.9173% | 2,371 |
| Loan and lease loss provision to assets | 0.0492% | 3,005 |
| Net operating income to assets | 0.6131% | 4,247 |
| Return on assets (ROA) | 0.7526% | 3,685 |
| Pretax return on assets | 1.0557% | 3,354 |
| Return on Equity (ROE) | 5.0888% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.0888% | 2,651 |
| Net charge-offs to loans | -0.0399% | 5,074 |
| Credit loss provision to net charge-offs | -172.6667% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2508% | 1,679 |
| Assets per employee ($millions) | 4.9591% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,535 |
| Loan loss allowance to noncurrent loans | 140.4221% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 3,009 |
| Noncurrent loans to loans | 0.6583% | 2,773 |
| Net loans and leases to total assets | 70.8865% | 2,392 |
| Net loans and leases to deposits | 87.3309% | 2,062 |
| Net loans and leases to core deposits | 91.7231% | 2,363 |
| Total domestic deposits to total assets | 81.1701% | 4,140 |
| Equity capital to assets | 15.0066% | 700 |
| Core capital (leverage) ratio | 14.6118% | 717 |
| Tier 1 risk-based capital ratio | 19.1513% | 1,562 |
| Total risk-based capital ratio | 20.0445% | 1,598 |
| Memoranda: | ||
| Average total assets | $1,052,145,670 | 709 |
| Average earning assets | $971,849,000 | 706 |
| Average equity | $155,595,670 | 533 |
| Average total loans | $752,312,330 | 701 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 4,475 |
| Cost of funding earning assets | 0.1878% | 5,090 |
| Net interest margin | 3.3920% | 3,677 |
| Noninterest income to average assets | 0.6609% | 2,135 |
| Noninterest expense to average assets | 2.9164% | 2,411 |
| Loan and lease loss provision to assets | 0.0484% | 2,843 |
| Net operating income to assets | 0.5917% | 4,197 |
| Return on assets (ROA) | 0.7291% | 3,614 |
| Pretax return on assets | 1.0270% | 3,254 |
| Return on Equity (ROE) | 4.9670% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.9670% | 2,917 |
| Net charge-offs to loans | -0.0853% | 5,397 |
| Credit loss provision to net charge-offs | -79.3750% | 3,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7827% | 1,789 |
| Assets per employee ($millions) | 4.8435% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,667 |
| Loan loss allowance to noncurrent loans | 133.9840% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 2,966 |
| Noncurrent loans to loans | 0.6886% | 2,778 |
| Net loans and leases to total assets | 69.8127% | 2,417 |
| Net loans and leases to deposits | 86.3026% | 2,004 |
| Net loans and leases to core deposits | 90.8062% | 2,287 |
| Total domestic deposits to total assets | 80.8929% | 4,438 |
| Equity capital to assets | 14.7240% | 706 |
| Core capital (leverage) ratio | 14.5011% | 713 |
| Tier 1 risk-based capital ratio | 18.9338% | 1,630 |
| Total risk-based capital ratio | 19.8125% | 1,686 |
| Memoranda: | ||
| Average total assets | $1,050,078,000 | 713 |
| Average earning assets | $971,214,000 | 709 |
| Average equity | $154,137,500 | 534 |
| Average total loans | $750,595,000 | 706 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5944% | 4,519 |
| Cost of funding earning assets | 0.2026% | 4,990 |
| Net interest margin | 3.3918% | 3,847 |
| Noninterest income to average assets | 0.7018% | 2,161 |
| Noninterest expense to average assets | 3.1072% | 2,010 |
| Loan and lease loss provision to assets | 0.0845% | 2,664 |
| Net operating income to assets | 0.4713% | 4,739 |
| Return on assets (ROA) | 0.6901% | 3,937 |
| Pretax return on assets | 0.9320% | 3,725 |
| Return on Equity (ROE) | 4.7088% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.7088% | 2,545 |
| Net charge-offs to loans | 0.0812% | 2,528 |
| Credit loss provision to net charge-offs | 145.9184% | 1,875 |
| Earnings coverage of net charge-offs (x) | 12.4422% | 2,448 |
| Efficiency ratio | 81.1696% | 1,286 |
| Assets per employee ($millions) | 4.7902% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,906 |
| Loan loss allowance to noncurrent loans | 109.8530% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,849 |
| Noncurrent loans to loans | 0.7908% | 2,539 |
| Net loans and leases to total assets | 71.8785% | 2,185 |
| Net loans and leases to deposits | 88.7880% | 1,833 |
| Net loans and leases to core deposits | 93.4796% | 2,162 |
| Total domestic deposits to total assets | 80.9551% | 4,347 |
| Equity capital to assets | 14.6328% | 702 |
| Core capital (leverage) ratio | 14.3914% | 719 |
| Tier 1 risk-based capital ratio | 18.8185% | 1,649 |
| Total risk-based capital ratio | 19.6670% | 1,715 |
| Memoranda: | ||
| Average total assets | $1,014,936,600 | 711 |
| Average earning assets | $935,466,200 | 707 |
| Average equity | $148,741,800 | 534 |
| Average total loans | $724,038,800 | 699 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,762 |
| Cost of funding earning assets | 0.2056% | 5,009 |
| Net interest margin | 3.3119% | 4,151 |
| Noninterest income to average assets | 0.7151% | 2,104 |
| Noninterest expense to average assets | 2.9524% | 2,454 |
| Loan and lease loss provision to assets | 0.0564% | 3,116 |
| Net operating income to assets | 0.5493% | 4,499 |
| Return on assets (ROA) | 0.6498% | 4,205 |
| Pretax return on assets | 0.8945% | 3,994 |
| Return on Equity (ROE) | 4.4324% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.4324% | 3,175 |
| Net charge-offs to loans | 0.0557% | 2,566 |
| Credit loss provision to net charge-offs | 142.4749% | 1,839 |
| Earnings coverage of net charge-offs (x) | 20.5517% | 1,868 |
| Efficiency ratio | 78.4060% | 1,633 |
| Assets per employee ($millions) | 4.9647% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,972 |
| Loan loss allowance to noncurrent loans | 70.7266% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 2,225 |
| Noncurrent loans to loans | 1.2290% | 1,827 |
| Net loans and leases to total assets | 71.0549% | 2,340 |
| Net loans and leases to deposits | 88.0268% | 2,018 |
| Net loans and leases to core deposits | 93.8450% | 2,204 |
| Total domestic deposits to total assets | 80.7197% | 4,317 |
| Equity capital to assets | 14.5992% | 842 |
| Core capital (leverage) ratio | 14.4129% | 746 |
| Tier 1 risk-based capital ratio | 18.5803% | 1,771 |
| Total risk-based capital ratio | 19.4116% | 1,840 |
| Memoranda: | ||
| Average total assets | $1,007,603,000 | 716 |
| Average earning assets | $928,051,000 | 712 |
| Average equity | $147,725,750 | 536 |
| Average total loans | $715,752,500 | 703 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,801 |
| Cost of funding earning assets | 0.2079% | 5,070 |
| Net interest margin | 3.3169% | 4,171 |
| Noninterest income to average assets | 0.6863% | 2,203 |
| Noninterest expense to average assets | 2.9824% | 2,401 |
| Loan and lease loss provision to assets | 0.0572% | 2,994 |
| Net operating income to assets | 0.5103% | 4,639 |
| Return on assets (ROA) | 0.6625% | 4,130 |
| Pretax return on assets | 0.9111% | 3,913 |
| Return on Equity (ROE) | 4.5122% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.5122% | 3,043 |
| Net charge-offs to loans | 0.0839% | 2,008 |
| Credit loss provision to net charge-offs | 96.2963% | 2,171 |
| Earnings coverage of net charge-offs (x) | 12.7811% | 2,166 |
| Efficiency ratio | 79.6973% | 1,532 |
| Assets per employee ($millions) | 4.8740% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 5,022 |
| Loan loss allowance to noncurrent loans | 66.9645% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 2,185 |
| Noncurrent loans to loans | 1.3102% | 1,725 |
| Net loans and leases to total assets | 70.5032% | 2,401 |
| Net loans and leases to deposits | 87.4167% | 2,078 |
| Net loans and leases to core deposits | 93.2114% | 2,241 |
| Total domestic deposits to total assets | 80.6518% | 4,376 |
| Equity capital to assets | 14.7601% | 799 |
| Core capital (leverage) ratio | 14.4634% | 718 |
| Tier 1 risk-based capital ratio | 18.8180% | 1,735 |
| Total risk-based capital ratio | 19.6512% | 1,788 |
| Memoranda: | ||
| Average total assets | $999,250,670 | 723 |
| Average earning assets | $920,609,000 | 716 |
| Average equity | $146,714,330 | 539 |
| Average total loans | $707,606,670 | 708 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 4,862 |
| Cost of funding earning assets | 0.2076% | 5,130 |
| Net interest margin | 3.3045% | 4,204 |
| Noninterest income to average assets | 0.6412% | 2,312 |
| Noninterest expense to average assets | 2.9979% | 2,400 |
| Loan and lease loss provision to assets | 0.0575% | 2,797 |
| Net operating income to assets | 0.4670% | 4,752 |
| Return on assets (ROA) | 0.5700% | 4,430 |
| Pretax return on assets | 0.7727% | 4,290 |
| Return on Equity (ROE) | 3.8925% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.8925% | 3,547 |
| Net charge-offs to loans | 0.1566% | 1,188 |
| Credit loss provision to net charge-offs | 52.0000% | 2,034 |
| Earnings coverage of net charge-offs (x) | 6.2473% | 2,253 |
| Efficiency ratio | 81.2670% | 1,453 |
| Assets per employee ($millions) | 4.7953% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 5,135 |
| Loan loss allowance to noncurrent loans | 84.6006% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 2,589 |
| Noncurrent loans to loans | 1.0345% | 2,316 |
| Net loans and leases to total assets | 70.4572% | 2,272 |
| Net loans and leases to deposits | 87.2675% | 1,908 |
| Net loans and leases to core deposits | 93.8182% | 2,009 |
| Total domestic deposits to total assets | 80.7370% | 4,571 |
| Equity capital to assets | 14.7772% | 749 |
| Core capital (leverage) ratio | 14.3858% | 720 |
| Tier 1 risk-based capital ratio | 18.9909% | 1,741 |
| Total risk-based capital ratio | 19.8251% | 1,789 |
| Memoranda: | ||
| Average total assets | $994,413,500 | 729 |
| Average earning assets | $917,179,000 | 723 |
| Average equity | $145,612,500 | 541 |
| Average total loans | $702,600,000 | 706 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 4,998 |
| Cost of funding earning assets | 0.2420% | 4,866 |
| Net interest margin | 3.2313% | 4,528 |
| Noninterest income to average assets | 0.6875% | 2,260 |
| Noninterest expense to average assets | 2.9380% | 2,732 |
| Loan and lease loss provision to assets | 0.0643% | 3,007 |
| Net operating income to assets | 0.4927% | 4,722 |
| Return on assets (ROA) | 0.5629% | 4,542 |
| Pretax return on assets | 0.7460% | 4,380 |
| Return on Equity (ROE) | 3.9030% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.9030% | 3,260 |
| Net charge-offs to loans | 0.1045% | 2,357 |
| Credit loss provision to net charge-offs | 88.5755% | 2,782 |
| Earnings coverage of net charge-offs (x) | 9.8702% | 2,764 |
| Efficiency ratio | 80.3901% | 1,624 |
| Assets per employee ($millions) | 4.8126% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 5,081 |
| Loan loss allowance to noncurrent loans | 40.7008% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 1,193 |
| Noncurrent loans to loans | 2.2148% | 892 |
| Net loans and leases to total assets | 69.5986% | 2,433 |
| Net loans and leases to deposits | 85.9100% | 2,146 |
| Net loans and leases to core deposits | 91.6491% | 2,259 |
| Total domestic deposits to total assets | 81.0133% | 4,478 |
| Equity capital to assets | 14.5094% | 769 |
| Core capital (leverage) ratio | 14.3397% | 745 |
| Tier 1 risk-based capital ratio | 18.7878% | 1,748 |
| Total risk-based capital ratio | 19.6405% | 1,810 |
| Memoranda: | ||
| Average total assets | $976,434,600 | 709 |
| Average earning assets | $896,641,200 | 700 |
| Average equity | $140,815,000 | 537 |
| Average total loans | $678,673,400 | 693 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 5,087 |
| Cost of funding earning assets | 0.2506% | 4,874 |
| Net interest margin | 3.2059% | 4,649 |
| Noninterest income to average assets | 0.6829% | 2,315 |
| Noninterest expense to average assets | 2.9041% | 2,837 |
| Loan and lease loss provision to assets | 0.0587% | 3,011 |
| Net operating income to assets | 0.4924% | 4,816 |
| Return on assets (ROA) | 0.5811% | 4,569 |
| Pretax return on assets | 0.7812% | 4,391 |
| Return on Equity (ROE) | 4.0357% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.0357% | 3,594 |
| Net charge-offs to loans | 0.0919% | 2,246 |
| Credit loss provision to net charge-offs | 92.2414% | 2,438 |
| Earnings coverage of net charge-offs (x) | 11.3082% | 2,499 |
| Efficiency ratio | 80.1303% | 1,646 |
| Assets per employee ($millions) | 4.9583% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 5,114 |
| Loan loss allowance to noncurrent loans | 39.5197% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 1,233 |
| Noncurrent loans to loans | 2.3333% | 905 |
| Net loans and leases to total assets | 69.8723% | 2,405 |
| Net loans and leases to deposits | 87.2323% | 2,002 |
| Net loans and leases to core deposits | 92.8816% | 2,180 |
| Total domestic deposits to total assets | 80.0991% | 4,718 |
| Equity capital to assets | 14.4178% | 881 |
| Core capital (leverage) ratio | 14.1537% | 823 |
| Tier 1 risk-based capital ratio | 19.0510% | 1,759 |
| Total risk-based capital ratio | 19.9291% | 1,817 |
| Memoranda: | ||
| Average total assets | $971,492,500 | 719 |
| Average earning assets | $891,302,750 | 713 |
| Average equity | $139,883,000 | 542 |
| Average total loans | $673,429,250 | 695 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 5,136 |
| Cost of funding earning assets | 0.2603% | 4,827 |
| Net interest margin | 3.1794% | 4,719 |
| Noninterest income to average assets | 0.6701% | 2,356 |
| Noninterest expense to average assets | 2.8752% | 2,974 |
| Loan and lease loss provision to assets | 0.0767% | 2,588 |
| Net operating income to assets | 0.4678% | 4,902 |
| Return on assets (ROA) | 0.5488% | 4,670 |
| Pretax return on assets | 0.7425% | 4,517 |
| Return on Equity (ROE) | 3.8132% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,577 |
| Net charge-offs to loans | 0.1206% | 1,806 |
| Credit loss provision to net charge-offs | 92.3077% | 2,167 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 2,551 |
| Efficiency ratio | 80.2037% | 1,730 |
| Assets per employee ($millions) | 4.8467% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 5,134 |
| Loan loss allowance to noncurrent loans | 38.2629% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.8334% | 1,250 |
| Noncurrent loans to loans | 2.4611% | 911 |
| Net loans and leases to total assets | 69.3335% | 2,441 |
| Net loans and leases to deposits | 88.3918% | 1,783 |
| Net loans and leases to core deposits | 92.9617% | 2,071 |
| Total domestic deposits to total assets | 78.4388% | 5,197 |
| Equity capital to assets | 14.5507% | 805 |
| Core capital (leverage) ratio | 14.2917% | 763 |
| Tier 1 risk-based capital ratio | 19.2078% | 1,750 |
| Total risk-based capital ratio | 20.1042% | 1,796 |
| Memoranda: | ||
| Average total assets | $969,731,000 | 722 |
| Average earning assets | $889,029,000 | 717 |
| Average equity | $139,567,330 | 544 |
| Average total loans | $668,289,330 | 700 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 5,135 |
| Cost of funding earning assets | 0.2706% | 4,781 |
| Net interest margin | 3.1628% | 4,746 |
| Noninterest income to average assets | 0.6405% | 2,446 |
| Noninterest expense to average assets | 2.8175% | 3,185 |
| Loan and lease loss provision to assets | 0.1037% | 1,972 |
| Net operating income to assets | 0.4487% | 4,879 |
| Return on assets (ROA) | 0.5467% | 4,604 |
| Pretax return on assets | 0.7553% | 4,405 |
| Return on Equity (ROE) | 3.8195% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.8195% | 3,716 |
| Net charge-offs to loans | 0.1504% | 1,350 |
| Credit loss provision to net charge-offs | 100.8000% | 1,597 |
| Earnings coverage of net charge-offs (x) | 7.0280% | 2,219 |
| Efficiency ratio | 79.5840% | 1,945 |
| Assets per employee ($millions) | 5.0165% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,225 |
| Loan loss allowance to noncurrent loans | 39.5127% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 1,401 |
| Noncurrent loans to loans | 2.4193% | 1,012 |
| Net loans and leases to total assets | 68.0316% | 2,434 |
| Net loans and leases to deposits | 85.7776% | 1,857 |
| Net loans and leases to core deposits | 91.9079% | 1,952 |
| Total domestic deposits to total assets | 79.3116% | 5,211 |
| Equity capital to assets | 14.3494% | 873 |
| Core capital (leverage) ratio | 14.1479% | 782 |
| Tier 1 risk-based capital ratio | 18.5886% | 1,974 |
| Total risk-based capital ratio | 19.4685% | 2,035 |
| Memoranda: | ||
| Average total assets | $972,347,500 | 715 |
| Average earning assets | $891,499,000 | 713 |
| Average equity | $139,180,500 | 545 |
| Average total loans | $664,895,500 | 702 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 5,379 |
| Cost of funding earning assets | 0.3206% | 4,575 |
| Net interest margin | 3.1547% | 5,062 |
| Noninterest income to average assets | 0.7064% | 2,274 |
| Noninterest expense to average assets | 2.9793% | 2,906 |
| Loan and lease loss provision to assets | 0.0346% | 3,898 |
| Net operating income to assets | 0.4276% | 5,117 |
| Return on assets (ROA) | 0.4872% | 4,948 |
| Pretax return on assets | 0.6555% | 4,772 |
| Return on Equity (ROE) | 3.3508% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.3508% | 3,829 |
| Net charge-offs to loans | 0.0965% | 3,125 |
| Credit loss provision to net charge-offs | 54.5151% | 3,389 |
| Earnings coverage of net charge-offs (x) | 9.5987% | 2,725 |
| Efficiency ratio | 83.0142% | 1,520 |
| Assets per employee ($millions) | 5.0317% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 5,212 |
| Loan loss allowance to noncurrent loans | 66.6736% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 2,619 |
| Noncurrent loans to loans | 1.4488% | 2,031 |
| Net loans and leases to total assets | 67.4417% | 2,656 |
| Net loans and leases to deposits | 84.4390% | 2,165 |
| Net loans and leases to core deposits | 90.0423% | 2,275 |
| Total domestic deposits to total assets | 79.8703% | 5,057 |
| Equity capital to assets | 14.2544% | 884 |
| Core capital (leverage) ratio | 14.2672% | 756 |
| Tier 1 risk-based capital ratio | 20.6326% | 1,486 |
| Total risk-based capital ratio | 21.6202% | 1,496 |
| Memoranda: | ||
| Average total assets | $941,591,000 | 710 |
| Average earning assets | $860,369,800 | 711 |
| Average equity | $136,893,800 | 529 |
| Average total loans | $619,544,400 | 705 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4776% | 5,442 |
| Cost of funding earning assets | 0.3295% | 4,572 |
| Net interest margin | 3.1481% | 5,123 |
| Noninterest income to average assets | 0.7150% | 2,257 |
| Noninterest expense to average assets | 2.9540% | 2,952 |
| Loan and lease loss provision to assets | 0.0124% | 4,167 |
| Net operating income to assets | 0.4708% | 4,989 |
| Return on assets (ROA) | 0.5371% | 4,795 |
| Pretax return on assets | 0.7103% | 4,672 |
| Return on Equity (ROE) | 3.6753% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.6753% | 4,028 |
| Net charge-offs to loans | 0.1046% | 2,753 |
| Credit loss provision to net charge-offs | 18.2008% | 3,599 |
| Earnings coverage of net charge-offs (x) | 9.3159% | 2,688 |
| Efficiency ratio | 82.2949% | 1,577 |
| Assets per employee ($millions) | 4.9623% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 5,222 |
| Loan loss allowance to noncurrent loans | 75.8683% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 3,039 |
| Noncurrent loans to loans | 1.3179% | 2,446 |
| Net loans and leases to total assets | 66.1823% | 2,827 |
| Net loans and leases to deposits | 81.1175% | 2,530 |
| Net loans and leases to core deposits | 86.5955% | 2,598 |
| Total domestic deposits to total assets | 81.5881% | 4,630 |
| Equity capital to assets | 14.7831% | 780 |
| Core capital (leverage) ratio | 14.2644% | 782 |
| Tier 1 risk-based capital ratio | 21.4905% | 1,350 |
| Total risk-based capital ratio | 22.5024% | 1,373 |
| Memoranda: | ||
| Average total assets | $934,210,500 | 719 |
| Average earning assets | $853,012,000 | 720 |
| Average equity | $136,510,750 | 529 |
| Average total loans | $609,099,750 | 720 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 5,466 |
| Cost of funding earning assets | 0.3373% | 4,569 |
| Net interest margin | 3.1359% | 5,139 |
| Noninterest income to average assets | 0.7175% | 2,197 |
| Noninterest expense to average assets | 2.9310% | 3,061 |
| Loan and lease loss provision to assets | 0.0086% | 4,063 |
| Net operating income to assets | 0.4797% | 4,897 |
| Return on assets (ROA) | 0.5490% | 4,708 |
| Pretax return on assets | 0.7248% | 4,550 |
| Return on Equity (ROE) | 3.7718% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.7718% | 3,787 |
| Net charge-offs to loans | 0.1442% | 2,230 |
| Credit loss provision to net charge-offs | 9.1954% | 3,311 |
| Earnings coverage of net charge-offs (x) | 6.8874% | 2,704 |
| Efficiency ratio | 82.0265% | 1,739 |
| Assets per employee ($millions) | 4.8949% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,219 |
| Loan loss allowance to noncurrent loans | 80.1971% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 3,122 |
| Noncurrent loans to loans | 1.2823% | 2,663 |
| Net loans and leases to total assets | 64.4909% | 3,001 |
| Net loans and leases to deposits | 78.9242% | 2,669 |
| Net loans and leases to core deposits | 83.5686% | 2,786 |
| Total domestic deposits to total assets | 81.7125% | 4,746 |
| Equity capital to assets | 14.7487% | 760 |
| Core capital (leverage) ratio | 14.3923% | 733 |
| Tier 1 risk-based capital ratio | 21.6126% | 1,326 |
| Total risk-based capital ratio | 22.6388% | 1,342 |
| Memoranda: | ||
| Average total assets | $932,986,000 | 717 |
| Average earning assets | $849,641,000 | 717 |
| Average equity | $135,798,330 | 533 |
| Average total loans | $603,139,000 | 721 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,537 |
| Cost of funding earning assets | 0.3493% | 4,548 |
| Net interest margin | 3.1002% | 5,250 |
| Noninterest income to average assets | 0.6987% | 2,172 |
| Noninterest expense to average assets | 2.9407% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4401% | 4,974 |
| Return on assets (ROA) | 0.4802% | 4,861 |
| Pretax return on assets | 0.6296% | 4,727 |
| Return on Equity (ROE) | 3.3216% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.3216% | 4,135 |
| Net charge-offs to loans | 0.0707% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.6792% | 1,705 |
| Efficiency ratio | 83.6018% | 1,715 |
| Assets per employee ($millions) | 5.0853% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,160 |
| Loan loss allowance to noncurrent loans | 82.9200% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 3,268 |
| Noncurrent loans to loans | 1.3140% | 2,834 |
| Net loans and leases to total assets | 63.9339% | 2,902 |
| Net loans and leases to deposits | 78.0040% | 2,556 |
| Net loans and leases to core deposits | 82.4361% | 2,691 |
| Total domestic deposits to total assets | 81.9623% | 4,954 |
| Equity capital to assets | 14.5640% | 769 |
| Core capital (leverage) ratio | 14.2667% | 739 |
| Tier 1 risk-based capital ratio | 21.6633% | 1,348 |
| Total risk-based capital ratio | 22.7513% | 1,350 |
| Memoranda: | ||
| Average total assets | $932,015,500 | 728 |
| Average earning assets | $847,431,500 | 725 |
| Average equity | $134,752,500 | 541 |
| Average total loans | $600,104,500 | 724 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 5,633 |
| Cost of funding earning assets | 0.4251% | 4,379 |
| Net interest margin | 3.0785% | 5,381 |
| Noninterest income to average assets | 0.7326% | 2,370 |
| Noninterest expense to average assets | 3.0731% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3604% | 5,294 |
| Return on assets (ROA) | 0.5239% | 4,750 |
| Pretax return on assets | 0.6895% | 4,582 |
| Return on Equity (ROE) | 3.6516% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.6516% | 3,626 |
| Net charge-offs to loans | 0.1705% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.3411% | 3,596 |
| Efficiency ratio | 86.6256% | 1,350 |
| Assets per employee ($millions) | 4.9650% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,088 |
| Loan loss allowance to noncurrent loans | 104.9149% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 3,791 |
| Noncurrent loans to loans | 1.0603% | 3,391 |
| Net loans and leases to total assets | 63.4247% | 3,141 |
| Net loans and leases to deposits | 77.3274% | 2,813 |
| Net loans and leases to core deposits | 82.4722% | 2,843 |
| Total domestic deposits to total assets | 82.0210% | 4,869 |
| Equity capital to assets | 14.3527% | 816 |
| Core capital (leverage) ratio | 14.1195% | 800 |
| Tier 1 risk-based capital ratio | 21.4251% | 1,353 |
| Total risk-based capital ratio | 22.5279% | 1,350 |
| Memoranda: | ||
| Average total assets | $906,720,200 | 731 |
| Average earning assets | $829,069,400 | 721 |
| Average equity | $130,079,400 | 547 |
| Average total loans | $581,115,600 | 721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 5,684 |
| Cost of funding earning assets | 0.4397% | 4,381 |
| Net interest margin | 3.0622% | 5,428 |
| Noninterest income to average assets | 0.7342% | 2,442 |
| Noninterest expense to average assets | 3.1072% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3243% | 5,518 |
| Return on assets (ROA) | 0.5286% | 4,833 |
| Pretax return on assets | 0.7031% | 4,679 |
| Return on Equity (ROE) | 3.6847% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.6847% | 4,078 |
| Net charge-offs to loans | 0.1570% | 2,982 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.2828% | 3,480 |
| Efficiency ratio | 87.8240% | 1,189 |
| Assets per employee ($millions) | 4.9114% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,011 |
| Loan loss allowance to noncurrent loans | 86.6949% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 3,784 |
| Noncurrent loans to loans | 1.3512% | 3,160 |
| Net loans and leases to total assets | 63.7050% | 3,042 |
| Net loans and leases to deposits | 77.0492% | 2,812 |
| Net loans and leases to core deposits | 82.0132% | 2,872 |
| Total domestic deposits to total assets | 82.6810% | 4,692 |
| Equity capital to assets | 14.1898% | 911 |
| Core capital (leverage) ratio | 13.8932% | 895 |
| Tier 1 risk-based capital ratio | 21.3523% | 1,431 |
| Total risk-based capital ratio | 22.5180% | 1,409 |
| Memoranda: | ||
| Average total assets | $900,044,750 | 734 |
| Average earning assets | $824,088,750 | 733 |
| Average equity | $129,106,500 | 555 |
| Average total loans | $576,724,500 | 725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 5,646 |
| Cost of funding earning assets | 0.4489% | 4,442 |
| Net interest margin | 3.0747% | 5,351 |
| Noninterest income to average assets | 0.7899% | 2,238 |
| Noninterest expense to average assets | 3.1376% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3419% | 5,437 |
| Return on assets (ROA) | 0.6523% | 4,216 |
| Pretax return on assets | 0.8872% | 3,959 |
| Return on Equity (ROE) | 4.5303% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.5303% | 3,386 |
| Net charge-offs to loans | 0.2096% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.4900% | 3,377 |
| Efficiency ratio | 87.0252% | 1,317 |
| Assets per employee ($millions) | 4.6035% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,897 |
| Loan loss allowance to noncurrent loans | 81.6603% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 3,697 |
| Noncurrent loans to loans | 1.4904% | 3,073 |
| Net loans and leases to total assets | 63.4438% | 3,015 |
| Net loans and leases to deposits | 77.5651% | 2,627 |
| Net loans and leases to core deposits | 82.3283% | 2,765 |
| Total domestic deposits to total assets | 81.7942% | 5,116 |
| Equity capital to assets | 14.3573% | 860 |
| Core capital (leverage) ratio | 14.2417% | 764 |
| Tier 1 risk-based capital ratio | 21.4090% | 1,399 |
| Total risk-based capital ratio | 22.6127% | 1,384 |
| Memoranda: | ||
| Average total assets | $892,276,000 | 739 |
| Average earning assets | $817,045,670 | 739 |
| Average equity | $128,468,000 | 561 |
| Average total loans | $570,568,330 | 733 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 5,626 |
| Cost of funding earning assets | 0.4562% | 4,526 |
| Net interest margin | 3.0758% | 5,346 |
| Noninterest income to average assets | 0.8295% | 2,000 |
| Noninterest expense to average assets | 3.1260% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3871% | 5,173 |
| Return on assets (ROA) | 0.5626% | 4,554 |
| Pretax return on assets | 0.7583% | 4,335 |
| Return on Equity (ROE) | 3.9021% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.9021% | 3,893 |
| Net charge-offs to loans | 0.2494% | 1,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.2748% | 2,804 |
| Efficiency ratio | 85.7108% | 1,549 |
| Assets per employee ($millions) | 4.5929% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,832 |
| Loan loss allowance to noncurrent loans | 75.4471% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 3,639 |
| Noncurrent loans to loans | 1.6877% | 3,012 |
| Net loans and leases to total assets | 63.5055% | 2,803 |
| Net loans and leases to deposits | 77.1884% | 2,465 |
| Net loans and leases to core deposits | 82.2045% | 2,544 |
| Total domestic deposits to total assets | 82.2734% | 5,102 |
| Equity capital to assets | 14.5158% | 869 |
| Core capital (leverage) ratio | 14.2784% | 721 |
| Tier 1 risk-based capital ratio | 21.9680% | 1,337 |
| Total risk-based capital ratio | 23.2184% | 1,311 |
| Memoranda: | ||
| Average total assets | $887,272,000 | 749 |
| Average earning assets | $812,804,000 | 749 |
| Average equity | $127,930,000 | 567 |
| Average total loans | $566,104,500 | 741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 5,821 |
| Cost of funding earning assets | 0.5196% | 5,074 |
| Net interest margin | 3.2797% | 5,323 |
| Noninterest income to average assets | 0.8046% | 2,249 |
| Noninterest expense to average assets | 3.2672% | 2,436 |
| Loan and lease loss provision to assets | 0.1102% | 4,255 |
| Net operating income to assets | 0.3267% | 5,373 |
| Return on assets (ROA) | 0.4720% | 5,049 |
| Pretax return on assets | 0.5951% | 5,006 |
| Return on Equity (ROE) | 3.2768% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.2768% | 3,921 |
| Net charge-offs to loans | 0.2591% | 3,388 |
| Credit loss provision to net charge-offs | 69.0962% | 4,202 |
| Earnings coverage of net charge-offs (x) | 3.2697% | 3,794 |
| Efficiency ratio | 86.2397% | 1,406 |
| Assets per employee ($millions) | 4.5078% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,316 |
| Loan loss allowance to noncurrent loans | 69.9872% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 3,452 |
| Noncurrent loans to loans | 1.9554% | 2,740 |
| Net loans and leases to total assets | 62.4107% | 3,190 |
| Net loans and leases to deposits | 75.7320% | 2,844 |
| Net loans and leases to core deposits | 80.5926% | 2,929 |
| Total domestic deposits to total assets | 82.4100% | 4,963 |
| Equity capital to assets | 14.3201% | 933 |
| Core capital (leverage) ratio | 14.2001% | 742 |
| Tier 1 risk-based capital ratio | 21.8167% | 1,299 |
| Total risk-based capital ratio | 23.0681% | 1,271 |
| Memoranda: | ||
| Average total assets | $860,524,000 | 761 |
| Average earning assets | $782,905,400 | 762 |
| Average equity | $123,962,800 | 582 |
| Average total loans | $529,615,200 | 780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 5,913 |
| Cost of funding earning assets | 0.5277% | 5,261 |
| Net interest margin | 3.3180% | 5,321 |
| Noninterest income to average assets | 0.7506% | 2,481 |
| Noninterest expense to average assets | 3.1582% | 2,689 |
| Loan and lease loss provision to assets | 0.1479% | 3,687 |
| Net operating income to assets | 0.3527% | 5,423 |
| Return on assets (ROA) | 0.5193% | 5,029 |
| Pretax return on assets | 0.6765% | 4,932 |
| Return on Equity (ROE) | 3.5991% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.5991% | 4,345 |
| Net charge-offs to loans | 0.3035% | 2,920 |
| Credit loss provision to net charge-offs | 79.7309% | 3,628 |
| Earnings coverage of net charge-offs (x) | 3.2784% | 3,716 |
| Efficiency ratio | 83.8559% | 1,609 |
| Assets per employee ($millions) | 4.5415% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 4,141 |
| Loan loss allowance to noncurrent loans | 69.5455% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4602% | 3,412 |
| Noncurrent loans to loans | 2.0908% | 2,750 |
| Net loans and leases to total assets | 60.5804% | 3,658 |
| Net loans and leases to deposits | 74.0619% | 3,274 |
| Net loans and leases to core deposits | 78.4944% | 3,396 |
| Total domestic deposits to total assets | 81.7969% | 5,090 |
| Equity capital to assets | 14.4064% | 997 |
| Core capital (leverage) ratio | 14.1011% | 798 |
| Tier 1 risk-based capital ratio | 21.7921% | 1,368 |
| Total risk-based capital ratio | 23.0440% | 1,343 |
| Memoranda: | ||
| Average total assets | $854,773,000 | 773 |
| Average earning assets | $776,879,500 | 774 |
| Average equity | $123,323,000 | 585 |
| Average total loans | $522,252,250 | 796 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 5,872 |
| Cost of funding earning assets | 0.5381% | 5,384 |
| Net interest margin | 3.3776% | 5,178 |
| Noninterest income to average assets | 0.7412% | 2,462 |
| Noninterest expense to average assets | 3.1864% | 2,638 |
| Loan and lease loss provision to assets | 0.2237% | 2,846 |
| Net operating income to assets | 0.3132% | 5,573 |
| Return on assets (ROA) | 0.4651% | 5,219 |
| Pretax return on assets | 0.5883% | 5,180 |
| Return on Equity (ROE) | 3.2222% | 5,595 |
| Retained earnings to average equity (ytd only) | 3.2222% | 4,467 |
| Net charge-offs to loans | 0.3685% | 2,542 |
| Credit loss provision to net charge-offs | 99.5798% | 2,790 |
| Earnings coverage of net charge-offs (x) | 2.7584% | 3,641 |
| Efficiency ratio | 83.7188% | 1,661 |
| Assets per employee ($millions) | 4.0976% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 3,804 |
| Loan loss allowance to noncurrent loans | 73.2063% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 3,521 |
| Noncurrent loans to loans | 2.1121% | 2,810 |
| Net loans and leases to total assets | 60.5890% | 3,715 |
| Net loans and leases to deposits | 74.2839% | 3,244 |
| Net loans and leases to core deposits | 78.2007% | 3,482 |
| Total domestic deposits to total assets | 81.5641% | 5,279 |
| Equity capital to assets | 14.5968% | 888 |
| Core capital (leverage) ratio | 14.5890% | 681 |
| Tier 1 risk-based capital ratio | 22.7644% | 1,162 |
| Total risk-based capital ratio | 24.0174% | 1,146 |
| Memoranda: | ||
| Average total assets | $847,529,000 | 783 |
| Average earning assets | $769,073,330 | 783 |
| Average equity | $122,339,670 | 587 |
| Average total loans | $516,728,000 | 804 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 5,891 |
| Cost of funding earning assets | 0.5450% | 5,532 |
| Net interest margin | 3.4105% | 5,080 |
| Noninterest income to average assets | 0.6530% | 2,913 |
| Noninterest expense to average assets | 3.2219% | 2,528 |
| Loan and lease loss provision to assets | 0.2450% | 2,504 |
| Net operating income to assets | 0.2344% | 5,871 |
| Return on assets (ROA) | 0.3423% | 5,680 |
| Pretax return on assets | 0.4079% | 5,702 |
| Return on Equity (ROE) | 2.3848% | 5,950 |
| Retained earnings to average equity (ytd only) | 2.3848% | 5,070 |
| Net charge-offs to loans | 0.2568% | 2,641 |
| Credit loss provision to net charge-offs | 157.2727% | 1,613 |
| Earnings coverage of net charge-offs (x) | 3.3667% | 2,868 |
| Efficiency ratio | 85.9987% | 1,485 |
| Assets per employee ($millions) | 4.4445% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 3,681 |
| Loan loss allowance to noncurrent loans | 57.5207% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.9210% | 3,021 |
| Noncurrent loans to loans | 2.8003% | 2,310 |
| Net loans and leases to total assets | 58.8485% | 3,894 |
| Net loans and leases to deposits | 71.2589% | 3,545 |
| Net loans and leases to core deposits | 76.0117% | 3,619 |
| Total domestic deposits to total assets | 82.5841% | 5,088 |
| Equity capital to assets | 14.2932% | 924 |
| Core capital (leverage) ratio | 14.4350% | 705 |
| Tier 1 risk-based capital ratio | 22.7959% | 1,160 |
| Total risk-based capital ratio | 24.0496% | 1,143 |
| Memoranda: | ||
| Average total assets | $847,193,500 | 785 |
| Average earning assets | $768,451,000 | 785 |
| Average equity | $121,604,500 | 589 |
| Average total loans | $514,098,500 | 808 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 6,022 |
| Cost of funding earning assets | 0.6275% | 5,942 |
| Net interest margin | 3.5842% | 4,792 |
| Noninterest income to average assets | 0.6897% | 2,667 |
| Noninterest expense to average assets | 3.2649% | 2,637 |
| Loan and lease loss provision to assets | 0.3586% | 2,854 |
| Net operating income to assets | 0.2580% | 5,406 |
| Return on assets (ROA) | 0.3797% | 5,124 |
| Pretax return on assets | 0.4603% | 5,102 |
| Return on Equity (ROE) | 2.6258% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.6258% | 4,358 |
| Net charge-offs to loans | 0.3224% | 3,781 |
| Credit loss provision to net charge-offs | 179.9029% | 1,447 |
| Earnings coverage of net charge-offs (x) | 3.3637% | 3,546 |
| Efficiency ratio | 82.9622% | 1,887 |
| Assets per employee ($millions) | 4.3347% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,718 |
| Loan loss allowance to noncurrent loans | 59.2487% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8511% | 3,186 |
| Noncurrent loans to loans | 2.6457% | 2,456 |
| Net loans and leases to total assets | 60.6100% | 3,870 |
| Net loans and leases to deposits | 73.6590% | 3,556 |
| Net loans and leases to core deposits | 78.2457% | 3,653 |
| Total domestic deposits to total assets | 82.2846% | 5,034 |
| Equity capital to assets | 14.4159% | 925 |
| Core capital (leverage) ratio | 14.4780% | 719 |
| Tier 1 risk-based capital ratio | 23.3676% | 1,055 |
| Total risk-based capital ratio | 24.6216% | 1,033 |
| Memoranda: | ||
| Average total assets | $826,254,400 | 788 |
| Average earning assets | $748,191,000 | 792 |
| Average equity | $119,467,400 | 583 |
| Average total loans | $510,920,000 | 816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 6,054 |
| Cost of funding earning assets | 0.6407% | 6,088 |
| Net interest margin | 3.6218% | 4,689 |
| Noninterest income to average assets | 0.6952% | 2,635 |
| Noninterest expense to average assets | 3.2938% | 2,516 |
| Loan and lease loss provision to assets | 0.2961% | 3,158 |
| Net operating income to assets | 0.3117% | 5,357 |
| Return on assets (ROA) | 0.4202% | 5,094 |
| Pretax return on assets | 0.5199% | 5,091 |
| Return on Equity (ROE) | 2.9041% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.9041% | 4,620 |
| Net charge-offs to loans | 0.2605% | 3,804 |
| Credit loss provision to net charge-offs | 183.6345% | 1,611 |
| Earnings coverage of net charge-offs (x) | 4.2299% | 3,136 |
| Efficiency ratio | 82.8468% | 1,863 |
| Assets per employee ($millions) | 4.3161% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 4,076 |
| Loan loss allowance to noncurrent loans | 58.9578% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 3,539 |
| Noncurrent loans to loans | 2.5480% | 2,718 |
| Net loans and leases to total assets | 59.1433% | 4,300 |
| Net loans and leases to deposits | 71.8439% | 4,011 |
| Net loans and leases to core deposits | 76.3174% | 4,160 |
| Total domestic deposits to total assets | 82.3219% | 4,968 |
| Equity capital to assets | 14.2757% | 1,060 |
| Core capital (leverage) ratio | 14.3908% | 795 |
| Tier 1 risk-based capital ratio | 23.2835% | 1,109 |
| Total risk-based capital ratio | 24.5363% | 1,090 |
| Memoranda: | ||
| Average total assets | $823,669,000 | 799 |
| Average earning assets | $746,046,750 | 804 |
| Average equity | $119,183,500 | 584 |
| Average total loans | $509,866,000 | 829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 5,956 |
| Cost of funding earning assets | 0.6556% | 6,202 |
| Net interest margin | 3.6636% | 4,447 |
| Noninterest income to average assets | 0.7101% | 2,500 |
| Noninterest expense to average assets | 3.3003% | 2,561 |
| Loan and lease loss provision to assets | 0.2984% | 3,017 |
| Net operating income to assets | 0.3432% | 5,203 |
| Return on assets (ROA) | 0.4647% | 4,794 |
| Pretax return on assets | 0.5831% | 4,798 |
| Return on Equity (ROE) | 3.1970% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.1970% | 4,238 |
| Net charge-offs to loans | 0.2452% | 3,652 |
| Credit loss provision to net charge-offs | 194.5774% | 1,552 |
| Earnings coverage of net charge-offs (x) | 4.7576% | 2,790 |
| Efficiency ratio | 81.8949% | 2,116 |
| Assets per employee ($millions) | 3.8597% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,368 |
| Loan loss allowance to noncurrent loans | 53.3295% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.7636% | 3,558 |
| Noncurrent loans to loans | 2.7101% | 2,682 |
| Net loans and leases to total assets | 61.5600% | 3,976 |
| Net loans and leases to deposits | 75.7699% | 3,521 |
| Net loans and leases to core deposits | 77.5136% | 4,113 |
| Total domestic deposits to total assets | 81.2459% | 5,449 |
| Equity capital to assets | 14.7979% | 866 |
| Core capital (leverage) ratio | 14.6449% | 738 |
| Tier 1 risk-based capital ratio | 23.5071% | 1,057 |
| Total risk-based capital ratio | 24.7596% | 1,043 |
| Memoranda: | ||
| Average total assets | $817,678,000 | 819 |
| Average earning assets | $740,968,670 | 816 |
| Average equity | $118,861,330 | 590 |
| Average total loans | $511,365,670 | 843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 6,001 |
| Cost of funding earning assets | 0.6704% | 6,296 |
| Net interest margin | 3.6356% | 4,397 |
| Noninterest income to average assets | 0.6674% | 2,744 |
| Noninterest expense to average assets | 3.3174% | 2,504 |
| Loan and lease loss provision to assets | 0.2983% | 2,773 |
| Net operating income to assets | 0.2971% | 5,424 |
| Return on assets (ROA) | 0.3383% | 5,308 |
| Pretax return on assets | 0.3901% | 5,370 |
| Return on Equity (ROE) | 2.3485% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.3485% | 4,740 |
| Net charge-offs to loans | 0.0304% | 4,671 |
| Credit loss provision to net charge-offs | 1,566.6667% | 248 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 772 |
| Efficiency ratio | 83.8061% | 1,979 |
| Assets per employee ($millions) | 4.1835% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 4,531 |
| Loan loss allowance to noncurrent loans | 52.0557% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.8757% | 3,462 |
| Noncurrent loans to loans | 2.7429% | 2,755 |
| Net loans and leases to total assets | 61.0992% | 4,055 |
| Net loans and leases to deposits | 75.0195% | 3,581 |
| Net loans and leases to core deposits | 76.8585% | 4,181 |
| Total domestic deposits to total assets | 81.4444% | 5,513 |
| Equity capital to assets | 14.3026% | 930 |
| Core capital (leverage) ratio | 14.3749% | 762 |
| Tier 1 risk-based capital ratio | 22.8993% | 1,097 |
| Total risk-based capital ratio | 24.1514% | 1,081 |
| Memoranda: | ||
| Average total assets | $819,315,000 | 823 |
| Average earning assets | $741,667,500 | 822 |
| Average equity | $118,034,500 | 588 |
| Average total loans | $512,699,000 | 853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 5,940 |
| Cost of funding earning assets | 0.7872% | 6,624 |
| Net interest margin | 3.8676% | 3,651 |
| Noninterest income to average assets | 0.8245% | 2,167 |
| Noninterest expense to average assets | 3.3757% | 2,510 |
| Loan and lease loss provision to assets | 0.3615% | 3,951 |
| Net operating income to assets | 0.4522% | 4,305 |
| Return on assets (ROA) | 0.4920% | 4,296 |
| Pretax return on assets | 0.6354% | 4,210 |
| Return on Equity (ROE) | 3.3217% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.3217% | 3,541 |
| Net charge-offs to loans | 0.8384% | 2,535 |
| Credit loss provision to net charge-offs | 64.3180% | 6,000 |
| Earnings coverage of net charge-offs (x) | 1.6818% | 4,475 |
| Efficiency ratio | 78.1247% | 2,691 |
| Assets per employee ($millions) | 4.0718% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,899 |
| Loan loss allowance to noncurrent loans | 46.2249% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9663% | 3,384 |
| Noncurrent loans to loans | 2.8561% | 2,664 |
| Net loans and leases to total assets | 62.3479% | 4,216 |
| Net loans and leases to deposits | 77.4607% | 3,593 |
| Net loans and leases to core deposits | 79.1189% | 4,329 |
| Total domestic deposits to total assets | 80.4898% | 5,687 |
| Equity capital to assets | 14.5127% | 901 |
| Core capital (leverage) ratio | 14.4525% | 754 |
| Tier 1 risk-based capital ratio | 22.7669% | 1,070 |
| Total risk-based capital ratio | 24.0168% | 1,048 |
| Memoranda: | ||
| Average total assets | $787,873,200 | 856 |
| Average earning assets | $712,244,400 | 862 |
| Average equity | $116,685,600 | 580 |
| Average total loans | $528,140,800 | 848 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 5,947 |
| Cost of funding earning assets | 0.8110% | 6,726 |
| Net interest margin | 3.9079% | 3,501 |
| Noninterest income to average assets | 0.8508% | 1,996 |
| Noninterest expense to average assets | 3.2961% | 2,583 |
| Loan and lease loss provision to assets | 0.3470% | 3,834 |
| Net operating income to assets | 0.5591% | 4,056 |
| Return on assets (ROA) | 0.5592% | 4,222 |
| Pretax return on assets | 0.7402% | 4,118 |
| Return on Equity (ROE) | 3.7563% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.7563% | 3,818 |
| Net charge-offs to loans | 0.4066% | 3,665 |
| Credit loss provision to net charge-offs | 125.4467% | 3,260 |
| Earnings coverage of net charge-offs (x) | 3.9298% | 3,253 |
| Efficiency ratio | 75.1993% | 3,106 |
| Assets per employee ($millions) | 4.1538% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6816% | 3,213 |
| Loan loss allowance to noncurrent loans | 47.2749% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2975% | 3,083 |
| Noncurrent loans to loans | 3.5571% | 2,206 |
| Net loans and leases to total assets | 62.2165% | 4,484 |
| Net loans and leases to deposits | 76.0681% | 4,168 |
| Net loans and leases to core deposits | 77.6315% | 4,848 |
| Total domestic deposits to total assets | 81.7906% | 5,077 |
| Equity capital to assets | 14.4487% | 1,033 |
| Core capital (leverage) ratio | 14.3866% | 833 |
| Tier 1 risk-based capital ratio | 21.6929% | 1,255 |
| Total risk-based capital ratio | 22.9485% | 1,233 |
| Memoranda: | ||
| Average total assets | $782,267,000 | 867 |
| Average earning assets | $707,097,000 | 872 |
| Average equity | $116,458,000 | 575 |
| Average total loans | $532,185,250 | 852 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 5,711 |
| Cost of funding earning assets | 0.8334% | 6,809 |
| Net interest margin | 3.9893% | 3,070 |
| Noninterest income to average assets | 0.9177% | 1,631 |
| Noninterest expense to average assets | 3.3509% | 2,406 |
| Loan and lease loss provision to assets | 0.3184% | 3,835 |
| Net operating income to assets | 0.6155% | 3,809 |
| Return on assets (ROA) | 0.6162% | 3,941 |
| Pretax return on assets | 0.8490% | 3,708 |
| Return on Equity (ROE) | 4.0963% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.0963% | 3,475 |
| Net charge-offs to loans | 0.4219% | 3,311 |
| Credit loss provision to net charge-offs | 108.2228% | 3,762 |
| Earnings coverage of net charge-offs (x) | 3.9646% | 3,110 |
| Efficiency ratio | 74.1794% | 3,442 |
| Assets per employee ($millions) | 3.8105% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,421 |
| Loan loss allowance to noncurrent loans | 55.7164% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.0150% | 3,485 |
| Noncurrent loans to loans | 2.8812% | 2,775 |
| Net loans and leases to total assets | 66.1541% | 3,797 |
| Net loans and leases to deposits | 81.4306% | 3,356 |
| Net loans and leases to core deposits | 83.0899% | 4,270 |
| Total domestic deposits to total assets | 81.2398% | 5,318 |
| Equity capital to assets | 14.9587% | 893 |
| Core capital (leverage) ratio | 14.8954% | 745 |
| Tier 1 risk-based capital ratio | 22.0735% | 1,192 |
| Total risk-based capital ratio | 23.3280% | 1,166 |
| Memoranda: | ||
| Average total assets | $768,869,330 | 884 |
| Average earning assets | $693,749,670 | 890 |
| Average equity | $115,665,670 | 573 |
| Average total loans | $536,094,330 | 852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 5,688 |
| Cost of funding earning assets | 0.8499% | 6,938 |
| Net interest margin | 4.0007% | 2,871 |
| Noninterest income to average assets | 0.8737% | 1,728 |
| Noninterest expense to average assets | 3.3123% | 2,492 |
| Loan and lease loss provision to assets | 0.3210% | 3,494 |
| Net operating income to assets | 0.5910% | 3,931 |
| Return on assets (ROA) | 0.5874% | 4,096 |
| Pretax return on assets | 0.8417% | 3,698 |
| Return on Equity (ROE) | 3.8932% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.8932% | 3,807 |
| Net charge-offs to loans | 0.0753% | 4,662 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,111 |
| Efficiency ratio | 73.9319% | 3,588 |
| Assets per employee ($millions) | 3.8947% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 3,273 |
| Loan loss allowance to noncurrent loans | 51.8972% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2775% | 3,177 |
| Noncurrent loans to loans | 3.1696% | 2,531 |
| Net loans and leases to total assets | 68.2661% | 3,317 |
| Net loans and leases to deposits | 84.3675% | 2,874 |
| Net loans and leases to core deposits | 86.5119% | 3,821 |
| Total domestic deposits to total assets | 80.9152% | 5,488 |
| Equity capital to assets | 14.9450% | 895 |
| Core capital (leverage) ratio | 15.1422% | 724 |
| Tier 1 risk-based capital ratio | 21.5024% | 1,268 |
| Total risk-based capital ratio | 22.7589% | 1,247 |
| Memoranda: | ||
| Average total assets | $762,725,500 | 910 |
| Average earning assets | $687,581,000 | 918 |
| Average equity | $115,073,000 | 582 |
| Average total loans | $541,542,500 | 868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 6,166 |
| Cost of funding earning assets | 1.0960% | 6,992 |
| Net interest margin | 3.9826% | 2,930 |
| Noninterest income to average assets | 0.9571% | 1,719 |
| Noninterest expense to average assets | 3.3344% | 2,891 |
| Loan and lease loss provision to assets | 0.6092% | 3,363 |
| Net operating income to assets | 0.4581% | 3,897 |
| Return on assets (ROA) | 0.5348% | 3,684 |
| Pretax return on assets | 0.7128% | 3,528 |
| Return on Equity (ROE) | 3.5252% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.5252% | 2,707 |
| Net charge-offs to loans | 0.2176% | 5,263 |
| Credit loss provision to net charge-offs | 372.3510% | 856 |
| Earnings coverage of net charge-offs (x) | 7.4553% | 2,142 |
| Efficiency ratio | 73.2172% | 4,050 |
| Assets per employee ($millions) | 3.7333% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,575 |
| Loan loss allowance to noncurrent loans | 55.2142% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1659% | 3,179 |
| Noncurrent loans to loans | 2.7705% | 2,788 |
| Net loans and leases to total assets | 71.5352% | 2,878 |
| Net loans and leases to deposits | 89.4121% | 2,318 |
| Net loans and leases to core deposits | 97.8257% | 4,242 |
| Total domestic deposits to total assets | 80.0062% | 5,669 |
| Equity capital to assets | 15.2338% | 859 |
| Core capital (leverage) ratio | 15.0633% | 766 |
| Tier 1 risk-based capital ratio | 20.9003% | 1,313 |
| Total risk-based capital ratio | 22.1538% | 1,278 |
| Memoranda: | ||
| Average total assets | $738,355,400 | 922 |
| Average earning assets | $666,882,600 | 930 |
| Average equity | $112,021,800 | 583 |
| Average total loans | $555,209,200 | 864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 6,254 |
| Cost of funding earning assets | 1.1582% | 7,009 |
| Net interest margin | 3.9450% | 3,064 |
| Noninterest income to average assets | 0.9976% | 1,615 |
| Noninterest expense to average assets | 3.3471% | 2,734 |
| Loan and lease loss provision to assets | 0.6502% | 2,804 |
| Net operating income to assets | 0.4611% | 4,157 |
| Return on assets (ROA) | 0.4426% | 4,332 |
| Pretax return on assets | 0.5441% | 4,378 |
| Return on Equity (ROE) | 2.9203% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.9203% | 3,688 |
| Net charge-offs to loans | 0.2187% | 4,666 |
| Credit loss provision to net charge-offs | 391.9126% | 1,025 |
| Earnings coverage of net charge-offs (x) | 7.3366% | 2,423 |
| Efficiency ratio | 73.3325% | 3,990 |
| Assets per employee ($millions) | 3.8228% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 3,984 |
| Loan loss allowance to noncurrent loans | 45.0356% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.3801% | 2,894 |
| Noncurrent loans to loans | 3.0949% | 2,441 |
| Net loans and leases to total assets | 72.1549% | 2,998 |
| Net loans and leases to deposits | 89.9566% | 2,589 |
| Net loans and leases to core deposits | 98.1462% | 4,584 |
| Total domestic deposits to total assets | 80.2107% | 5,360 |
| Equity capital to assets | 14.9986% | 1,004 |
| Core capital (leverage) ratio | 14.8072% | 894 |
| Tier 1 risk-based capital ratio | 20.4812% | 1,458 |
| Total risk-based capital ratio | 21.7331% | 1,416 |
| Memoranda: | ||
| Average total assets | $735,345,250 | 935 |
| Average earning assets | $664,822,500 | 941 |
| Average equity | $111,448,750 | 599 |
| Average total loans | $557,727,500 | 873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 6,074 |
| Cost of funding earning assets | 1.2290% | 7,021 |
| Net interest margin | 3.9713% | 2,824 |
| Noninterest income to average assets | 0.9514% | 1,752 |
| Noninterest expense to average assets | 3.2806% | 3,048 |
| Loan and lease loss provision to assets | 0.6795% | 2,393 |
| Net operating income to assets | 0.4508% | 4,284 |
| Return on assets (ROA) | 0.4238% | 4,520 |
| Pretax return on assets | 0.5441% | 4,483 |
| Return on Equity (ROE) | 2.7863% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.7863% | 3,775 |
| Net charge-offs to loans | 0.3159% | 3,608 |
| Credit loss provision to net charge-offs | 280.1812% | 1,667 |
| Earnings coverage of net charge-offs (x) | 5.1880% | 2,893 |
| Efficiency ratio | 72.2784% | 4,352 |
| Assets per employee ($millions) | 3.4353% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,177 |
| Loan loss allowance to noncurrent loans | 42.4173% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.2913% | 2,843 |
| Noncurrent loans to loans | 2.7428% | 2,628 |
| Net loans and leases to total assets | 74.6378% | 2,533 |
| Net loans and leases to deposits | 93.7599% | 2,129 |
| Net loans and leases to core deposits | 102.3064% | 4,261 |
| Total domestic deposits to total assets | 79.6052% | 5,587 |
| Equity capital to assets | 14.7858% | 1,085 |
| Core capital (leverage) ratio | 14.9735% | 928 |
| Tier 1 risk-based capital ratio | 19.5712% | 1,661 |
| Total risk-based capital ratio | 20.7404% | 1,636 |
| Memoranda: | ||
| Average total assets | $728,155,000 | 958 |
| Average earning assets | $657,764,670 | 969 |
| Average equity | $110,756,000 | 610 |
| Average total loans | $559,012,670 | 897 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2777% | 5,994 |
| Cost of funding earning assets | 1.2910% | 7,041 |
| Net interest margin | 3.9867% | 2,698 |
| Noninterest income to average assets | 0.9357% | 1,714 |
| Noninterest expense to average assets | 3.1811% | 3,069 |
| Loan and lease loss provision to assets | 0.5667% | 2,219 |
| Net operating income to assets | 0.5348% | 4,275 |
| Return on assets (ROA) | 0.4916% | 4,646 |
| Pretax return on assets | 0.7307% | 4,321 |
| Return on Equity (ROE) | 3.1852% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.1852% | 4,103 |
| Net charge-offs to loans | 0.5112% | 2,183 |
| Credit loss provision to net charge-offs | 143.1400% | 2,866 |
| Earnings coverage of net charge-offs (x) | 3.4399% | 3,179 |
| Efficiency ratio | 70.0234% | 4,572 |
| Assets per employee ($millions) | 3.3928% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,503 |
| Loan loss allowance to noncurrent loans | 35.0986% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 2,562 |
| Noncurrent loans to loans | 2.7016% | 2,432 |
| Net loans and leases to total assets | 76.6850% | 2,113 |
| Net loans and leases to deposits | 96.8937% | 1,812 |
| Net loans and leases to core deposits | 105.9782% | 3,921 |
| Total domestic deposits to total assets | 79.1434% | 5,669 |
| Equity capital to assets | 15.1206% | 1,068 |
| Core capital (leverage) ratio | 15.6428% | 837 |
| Tier 1 risk-based capital ratio | 19.3753% | 1,739 |
| Total risk-based capital ratio | 20.3144% | 1,762 |
| Memoranda: | ||
| Average total assets | $714,350,000 | 982 |
| Average earning assets | $646,345,000 | 994 |
| Average equity | $110,261,000 | 610 |
| Average total loans | $553,156,000 | 911 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 7,030 |
| Cost of funding earning assets | 1.6119% | 7,423 |
| Net interest margin | 3.9988% | 3,114 |
| Noninterest income to average assets | 0.9122% | 1,914 |
| Noninterest expense to average assets | 3.5789% | 2,203 |
| Loan and lease loss provision to assets | 0.0956% | 6,165 |
| Net operating income to assets | 0.6192% | 4,231 |
| Return on assets (ROA) | 0.6250% | 4,056 |
| Pretax return on assets | 0.8454% | 3,904 |
| Return on Equity (ROE) | 3.9410% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.9410% | 2,672 |
| Net charge-offs to loans | 0.1323% | 4,894 |
| Credit loss provision to net charge-offs | 95.5651% | 5,531 |
| Earnings coverage of net charge-offs (x) | 9.3290% | 2,707 |
| Efficiency ratio | 79.3201% | 2,704 |
| Assets per employee ($millions) | 3.2676% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,494 |
| Loan loss allowance to noncurrent loans | 50.0645% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 3,047 |
| Noncurrent loans to loans | 1.8621% | 2,969 |
| Net loans and leases to total assets | 76.7293% | 2,443 |
| Net loans and leases to deposits | 98.9034% | 1,993 |
| Net loans and leases to core deposits | 106.3438% | 4,154 |
| Total domestic deposits to total assets | 77.5800% | 5,847 |
| Equity capital to assets | 15.7633% | 983 |
| Core capital (leverage) ratio | 15.6191% | 896 |
| Tier 1 risk-based capital ratio | 19.8643% | 1,643 |
| Total risk-based capital ratio | 20.7799% | 1,657 |
| Memoranda: | ||
| Average total assets | $698,879,400 | 962 |
| Average earning assets | $629,138,600 | 965 |
| Average equity | $110,835,800 | 607 |
| Average total loans | $528,471,400 | 897 |