Home > Coastal Heritage Bank > Performance and Condition Ratios
Coastal Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 3,120 |
| Cost of funding earning assets | 1.7649% | 1,310 |
| Net interest margin | 2.7202% | 3,793 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.3740% | 2,654 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3132% | 4,008 |
| Return on assets (ROA) | 0.3132% | 4,007 |
| Pretax return on assets | 0.3550% | 4,026 |
| Return on Equity (ROE) | 3.1900% | 3,993 |
| Retained earnings to average equity (ytd only) | 2.5342% | 3,433 |
| Net charge-offs to loans | -0.0023% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.6041% | 743 |
| Assets per employee ($millions) | 8.7408% | 1,093 |
| Cash dividends to net income (ytd only)* | 20.5502% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,332 |
| Loan loss allowance to noncurrent loans | 109.6939% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 496 |
| Noncurrent loans to loans | 0.9089% | 827 |
| Net loans and leases to total assets | 81.7900% | 453 |
| Net loans and leases to deposits | 105.5344% | 307 |
| Net loans and leases to core deposits | 119.9993% | 623 |
| Total domestic deposits to total assets | 77.5000% | 3,788 |
| Equity capital to assets | 9.8753% | 2,077 |
| Core capital (leverage) ratio | 10.5228% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $963,316,600 | 1,019 |
| Average earning assets | $906,795,400 | 991 |
| Average equity | $94,587,400 | 986 |
| Average total loans | $785,139,800 | 876 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,090 |
| Cost of funding earning assets | 1.6281% | 1,320 |
| Net interest margin | 2.7773% | 3,764 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.4087% | 2,498 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.3095% | 4,107 |
| Return on assets (ROA) | 0.3095% | 4,112 |
| Pretax return on assets | 0.4027% | 4,059 |
| Return on Equity (ROE) | 3.1600% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.2759% | 3,673 |
| Net charge-offs to loans | -0.0050% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.8427% | 817 |
| Assets per employee ($millions) | 8.7294% | 1,032 |
| Cash dividends to net income (ytd only)* | 27.9028% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,216 |
| Loan loss allowance to noncurrent loans | 444.8443% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 1,315 |
| Noncurrent loans to loans | 0.2311% | 2,424 |
| Net loans and leases to total assets | 81.5500% | 471 |
| Net loans and leases to deposits | 102.9286% | 393 |
| Net loans and leases to core deposits | 116.2775% | 652 |
| Total domestic deposits to total assets | 79.2300% | 3,650 |
| Equity capital to assets | 9.5678% | 2,061 |
| Core capital (leverage) ratio | 10.7461% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $957,218,750 | 1,028 |
| Average earning assets | $900,404,250 | 1,002 |
| Average equity | $93,849,500 | 988 |
| Average total loans | $777,422,000 | 880 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 3,046 |
| Cost of funding earning assets | 1.5175% | 1,212 |
| Net interest margin | 2.8095% | 3,804 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4236% | 2,421 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3152% | 4,131 |
| Return on assets (ROA) | 0.3152% | 4,155 |
| Pretax return on assets | 0.4144% | 4,098 |
| Return on Equity (ROE) | 3.1900% | 4,131 |
| Retained earnings to average equity (ytd only) | 1.8691% | 3,751 |
| Net charge-offs to loans | -0.0026% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.4720% | 811 |
| Assets per employee ($millions) | 8.5672% | 1,064 |
| Cash dividends to net income (ytd only)* | 41.3885% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,179 |
| Loan loss allowance to noncurrent loans | 607.2226% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 1,354 |
| Noncurrent loans to loans | 0.1731% | 2,614 |
| Net loans and leases to total assets | 79.2900% | 702 |
| Net loans and leases to deposits | 97.5255% | 642 |
| Net loans and leases to core deposits | 109.3731% | 857 |
| Total domestic deposits to total assets | 81.3000% | 3,378 |
| Equity capital to assets | 9.7248% | 2,016 |
| Core capital (leverage) ratio | 10.7973% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $950,394,000 | 1,020 |
| Average earning assets | $893,327,667 | 1,004 |
| Average equity | $93,951,333 | 984 |
| Average total loans | $768,029,667 | 873 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 2,931 |
| Cost of funding earning assets | 1.3671% | 1,101 |
| Net interest margin | 2.8819% | 3,817 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.4640% | 2,337 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3046% | 4,246 |
| Return on assets (ROA) | 0.3046% | 4,207 |
| Pretax return on assets | 0.3989% | 4,136 |
| Return on Equity (ROE) | 3.0600% | 4,180 |
| Retained earnings to average equity (ytd only) | 0.4134% | 3,958 |
| Net charge-offs to loans | -0.0026% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.9158% | 770 |
| Assets per employee ($millions) | 8.6437% | 1,075 |
| Cash dividends to net income (ytd only)* | 86.4714% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,339 |
| Loan loss allowance to noncurrent loans | 492.2134% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 1,189 |
| Noncurrent loans to loans | 0.2114% | 2,415 |
| Net loans and leases to total assets | 80.3000% | 511 |
| Net loans and leases to deposits | 99.8377% | 452 |
| Net loans and leases to core deposits | 109.6760% | 714 |
| Total domestic deposits to total assets | 80.4300% | 3,714 |
| Equity capital to assets | 9.9355% | 1,855 |
| Core capital (leverage) ratio | 10.8345% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $941,543,500 | 1,048 |
| Average earning assets | $885,109,000 | 1,029 |
| Average equity | $93,854,500 | 996 |
| Average total loans | $764,186,000 | 893 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 2,355 |
| Cost of funding earning assets | 0.4014% | 2,088 |
| Net interest margin | 3.3676% | 2,352 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.5262% | 2,034 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.7201% | 3,564 |
| Return on assets (ROA) | 0.7086% | 3,541 |
| Pretax return on assets | 0.8654% | 3,443 |
| Return on Equity (ROE) | 6.7500% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.7542% | 2,338 |
| Net charge-offs to loans | -0.0029% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.4079% | 1,912 |
| Assets per employee ($millions) | 8.4753% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,517 |
| Loan loss allowance to noncurrent loans | 462.4449% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 1,172 |
| Noncurrent loans to loans | 0.2097% | 2,442 |
| Net loans and leases to total assets | 80.4000% | 548 |
| Net loans and leases to deposits | 104.2691% | 288 |
| Net loans and leases to core deposits | 109.1230% | 635 |
| Total domestic deposits to total assets | 77.1100% | 4,160 |
| Equity capital to assets | 10.0014% | 1,703 |
| Core capital (leverage) ratio | 11.0833% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $891,059,000 | 1,089 |
| Average earning assets | $837,739,600 | 1,068 |
| Average equity | $93,482,200 | 986 |
| Average total loans | $697,451,600 | 912 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 2,173 |
| Cost of funding earning assets | 0.2347% | 2,875 |
| Net interest margin | 3.4232% | 1,905 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.5400% | 1,891 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6397% | 3,724 |
| Return on assets (ROA) | 0.6397% | 3,677 |
| Pretax return on assets | 0.7156% | 3,768 |
| Return on Equity (ROE) | 6.0200% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.0235% | 2,750 |
| Net charge-offs to loans | -0.0023% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.2078% | 1,489 |
| Assets per employee ($millions) | 8.5060% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,723 |
| Loan loss allowance to noncurrent loans | 364.7402% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 1,128 |
| Noncurrent loans to loans | 0.2584% | 2,343 |
| Net loans and leases to total assets | 79.4300% | 578 |
| Net loans and leases to deposits | 99.2864% | 394 |
| Net loans and leases to core deposits | 103.2178% | 687 |
| Total domestic deposits to total assets | 80.0100% | 4,096 |
| Equity capital to assets | 9.9247% | 1,660 |
| Core capital (leverage) ratio | 11.0678% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $880,754,000 | 1,101 |
| Average earning assets | $828,293,000 | 1,083 |
| Average equity | $93,542,500 | 1,005 |
| Average total loans | $682,599,250 | 925 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 1,959 |
| Cost of funding earning assets | 0.1565% | 3,496 |
| Net interest margin | 3.4042% | 1,593 |
| Noninterest income to average assets | 0.0944% | 4,513 |
| Noninterest expense to average assets | 2.5349% | 1,823 |
| Loan and lease loss provision to assets | 0.0733% | 1,312 |
| Net operating income to assets | 0.6581% | 3,449 |
| Return on assets (ROA) | 0.6581% | 3,397 |
| Pretax return on assets | 0.6930% | 3,598 |
| Return on Equity (ROE) | 6.0583% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.0583% | 2,317 |
| Net charge-offs to loans | -0.0027% | 3,185 |
| Credit loss provision to net charge-offs | -3,544.4444% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5810% | 1,561 |
| Assets per employee ($millions) | 7.9675% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,895 |
| Loan loss allowance to noncurrent loans | 444.9306% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 1,256 |
| Noncurrent loans to loans | 0.2066% | 2,683 |
| Net loans and leases to total assets | 78.7804% | 500 |
| Net loans and leases to deposits | 93.6737% | 533 |
| Net loans and leases to core deposits | 96.9481% | 795 |
| Total domestic deposits to total assets | 84.1009% | 3,669 |
| Equity capital to assets | 10.5886% | 1,396 |
| Core capital (leverage) ratio | 11.4167% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $870,958,333 | 1,110 |
| Average earning assets | $820,463,000 | 1,091 |
| Average equity | $94,613,667 | 1,000 |
| Average total loans | $666,851,667 | 932 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 1,772 |
| Cost of funding earning assets | 0.1659% | 3,280 |
| Net interest margin | 3.3462% | 1,453 |
| Noninterest income to average assets | 0.1958% | 3,987 |
| Noninterest expense to average assets | 2.5933% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5505% | 3,556 |
| Return on assets (ROA) | 0.5505% | 3,532 |
| Pretax return on assets | 0.7523% | 3,247 |
| Return on Equity (ROE) | 5.0042% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.0042% | 2,593 |
| Net charge-offs to loans | -0.0037% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3184% | 1,706 |
| Assets per employee ($millions) | 8.3457% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 3,991 |
| Loan loss allowance to noncurrent loans | 368.2809% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 1,254 |
| Noncurrent loans to loans | 0.2496% | 2,592 |
| Net loans and leases to total assets | 76.2990% | 491 |
| Net loans and leases to deposits | 88.7553% | 577 |
| Net loans and leases to core deposits | 92.2410% | 801 |
| Total domestic deposits to total assets | 85.9656% | 3,268 |
| Equity capital to assets | 10.8966% | 1,385 |
| Core capital (leverage) ratio | 11.2301% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $868,227,500 | 1,118 |
| Average earning assets | $817,275,500 | 1,104 |
| Average equity | $95,520,000 | 1,018 |
| Average total loans | $651,850,500 | 945 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 2,863 |
| Cost of funding earning assets | 0.2331% | 3,102 |
| Net interest margin | 3.1929% | 2,615 |
| Noninterest income to average assets | 0.3743% | 3,193 |
| Noninterest expense to average assets | 2.5836% | 1,911 |
| Loan and lease loss provision to assets | 0.0483% | 2,094 |
| Net operating income to assets | 0.5659% | 3,943 |
| Return on assets (ROA) | 0.5659% | 3,991 |
| Pretax return on assets | 0.7597% | 3,816 |
| Return on Equity (ROE) | 5.5468% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.5468% | 2,543 |
| Net charge-offs to loans | 0.0342% | 1,549 |
| Credit loss provision to net charge-offs | 194.8276% | 1,322 |
| Earnings coverage of net charge-offs (x) | 32.6164% | 1,552 |
| Efficiency ratio | 72.6466% | 1,441 |
| Assets per employee ($millions) | 8.0444% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,945 |
| Loan loss allowance to noncurrent loans | 364.8860% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 1,393 |
| Noncurrent loans to loans | 0.2596% | 2,680 |
| Net loans and leases to total assets | 72.4944% | 806 |
| Net loans and leases to deposits | 84.4264% | 886 |
| Net loans and leases to core deposits | 87.8339% | 1,085 |
| Total domestic deposits to total assets | 85.8670% | 2,955 |
| Equity capital to assets | 11.1048% | 1,735 |
| Core capital (leverage) ratio | 10.5053% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $936,499,200 | 1,010 |
| Average earning assets | $884,998,000 | 994 |
| Average equity | $95,551,000 | 1,042 |
| Average total loans | $677,749,800 | 904 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 3,120 |
| Cost of funding earning assets | 0.2503% | 3,123 |
| Net interest margin | 3.1434% | 2,923 |
| Noninterest income to average assets | 0.3059% | 3,599 |
| Noninterest expense to average assets | 2.5536% | 1,970 |
| Loan and lease loss provision to assets | 0.0509% | 1,977 |
| Net operating income to assets | 0.5032% | 4,198 |
| Return on assets (ROA) | 0.5032% | 4,240 |
| Pretax return on assets | 0.6722% | 4,117 |
| Return on Equity (ROE) | 5.0348% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.0348% | 3,205 |
| Net charge-offs to loans | 0.0454% | 1,211 |
| Credit loss provision to net charge-offs | 155.1282% | 1,340 |
| Earnings coverage of net charge-offs (x) | 22.0513% | 1,694 |
| Efficiency ratio | 74.2323% | 1,196 |
| Assets per employee ($millions) | 7.6397% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,201 |
| Loan loss allowance to noncurrent loans | 275.3910% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 1,557 |
| Noncurrent loans to loans | 0.3204% | 2,628 |
| Net loans and leases to total assets | 70.4209% | 1,042 |
| Net loans and leases to deposits | 81.4567% | 1,158 |
| Net loans and leases to core deposits | 84.7702% | 1,369 |
| Total domestic deposits to total assets | 86.4520% | 2,580 |
| Equity capital to assets | 10.0933% | 2,810 |
| Core capital (leverage) ratio | 9.6673% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $951,413,000 | 1,011 |
| Average earning assets | $899,185,000 | 997 |
| Average equity | $95,095,750 | 1,063 |
| Average total loans | $686,751,750 | 907 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 3,162 |
| Cost of funding earning assets | 0.2732% | 3,060 |
| Net interest margin | 3.1344% | 2,944 |
| Noninterest income to average assets | 0.3222% | 3,498 |
| Noninterest expense to average assets | 2.5533% | 1,983 |
| Loan and lease loss provision to assets | 0.0530% | 1,975 |
| Net operating income to assets | 0.5066% | 4,209 |
| Return on assets (ROA) | 0.5066% | 4,254 |
| Pretax return on assets | 0.6790% | 4,108 |
| Return on Equity (ROE) | 5.0853% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.0853% | 3,151 |
| Net charge-offs to loans | 0.0708% | 923 |
| Credit loss provision to net charge-offs | 103.2787% | 1,341 |
| Earnings coverage of net charge-offs (x) | 14.2541% | 1,670 |
| Efficiency ratio | 74.0214% | 1,242 |
| Assets per employee ($millions) | 7.5281% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 4,253 |
| Loan loss allowance to noncurrent loans | 265.7907% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 1,711 |
| Noncurrent loans to loans | 0.3252% | 2,753 |
| Net loans and leases to total assets | 69.8122% | 1,219 |
| Net loans and leases to deposits | 80.5079% | 1,384 |
| Net loans and leases to core deposits | 83.7114% | 1,588 |
| Total domestic deposits to total assets | 86.7147% | 2,466 |
| Equity capital to assets | 9.9481% | 2,895 |
| Core capital (leverage) ratio | 9.5937% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $950,231,333 | 1,002 |
| Average earning assets | $898,298,667 | 997 |
| Average equity | $94,665,333 | 1,061 |
| Average total loans | $689,510,000 | 914 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 2,997 |
| Cost of funding earning assets | 0.3061% | 2,926 |
| Net interest margin | 3.1691% | 2,790 |
| Noninterest income to average assets | 0.3527% | 3,326 |
| Noninterest expense to average assets | 2.5923% | 1,903 |
| Loan and lease loss provision to assets | 0.0683% | 1,787 |
| Net operating income to assets | 0.5096% | 4,158 |
| Return on assets (ROA) | 0.5096% | 4,193 |
| Pretax return on assets | 0.6851% | 4,050 |
| Return on Equity (ROE) | 5.1112% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.1112% | 3,190 |
| Net charge-offs to loans | -0.0029% | 3,215 |
| Credit loss provision to net charge-offs | -3,220.0000% | 3,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8596% | 1,325 |
| Assets per employee ($millions) | 7.3674% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,240 |
| Loan loss allowance to noncurrent loans | 225.6554% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 1,751 |
| Noncurrent loans to loans | 0.3862% | 2,709 |
| Net loans and leases to total assets | 71.5555% | 1,086 |
| Net loans and leases to deposits | 82.6706% | 1,281 |
| Net loans and leases to core deposits | 85.8365% | 1,534 |
| Total domestic deposits to total assets | 86.5549% | 2,499 |
| Equity capital to assets | 9.8516% | 2,845 |
| Core capital (leverage) ratio | 9.6171% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $943,546,500 | 998 |
| Average earning assets | $891,108,500 | 992 |
| Average equity | $94,068,000 | 1,061 |
| Average total loans | $694,976,500 | 909 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 2,597 |
| Cost of funding earning assets | 0.6456% | 2,021 |
| Net interest margin | 3.3978% | 2,783 |
| Noninterest income to average assets | 0.5083% | 2,595 |
| Noninterest expense to average assets | 2.7601% | 2,039 |
| Loan and lease loss provision to assets | 0.2079% | 1,896 |
| Net operating income to assets | 0.5458% | 3,916 |
| Return on assets (ROA) | 0.5661% | 3,958 |
| Pretax return on assets | 0.7549% | 3,751 |
| Return on Equity (ROE) | 5.5100% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.5100% | 2,035 |
| Net charge-offs to loans | -0.0143% | 4,338 |
| Credit loss provision to net charge-offs | -1,790.2913% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2377% | 1,778 |
| Assets per employee ($millions) | 7.1487% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,344 |
| Loan loss allowance to noncurrent loans | 181.5056% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 1,706 |
| Noncurrent loans to loans | 0.4621% | 2,581 |
| Net loans and leases to total assets | 74.5415% | 953 |
| Net loans and leases to deposits | 86.6990% | 1,198 |
| Net loans and leases to core deposits | 90.2882% | 1,503 |
| Total domestic deposits to total assets | 85.9773% | 2,375 |
| Equity capital to assets | 10.0913% | 3,044 |
| Core capital (leverage) ratio | 9.6252% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $886,795,000 | 980 |
| Average earning assets | $832,249,000 | 970 |
| Average equity | $91,106,600 | 1,048 |
| Average total loans | $719,462,400 | 857 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,598 |
| Cost of funding earning assets | 0.7222% | 1,889 |
| Net interest margin | 3.4040% | 2,907 |
| Noninterest income to average assets | 0.4555% | 2,818 |
| Noninterest expense to average assets | 2.7557% | 2,102 |
| Loan and lease loss provision to assets | 0.2575% | 1,575 |
| Net operating income to assets | 0.4812% | 4,082 |
| Return on assets (ROA) | 0.5086% | 4,100 |
| Pretax return on assets | 0.6674% | 3,971 |
| Return on Equity (ROE) | 4.9270% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.9270% | 2,588 |
| Net charge-offs to loans | -0.0201% | 4,426 |
| Credit loss provision to net charge-offs | -1,552.2936% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1357% | 1,628 |
| Assets per employee ($millions) | 6.8330% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 4,426 |
| Loan loss allowance to noncurrent loans | 138.1044% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 1,591 |
| Noncurrent loans to loans | 0.5605% | 2,392 |
| Net loans and leases to total assets | 80.5759% | 557 |
| Net loans and leases to deposits | 93.8819% | 932 |
| Net loans and leases to core deposits | 98.1264% | 1,299 |
| Total domestic deposits to total assets | 85.8268% | 2,138 |
| Equity capital to assets | 10.1465% | 3,106 |
| Core capital (leverage) ratio | 9.6452% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $876,159,750 | 977 |
| Average earning assets | $821,207,250 | 968 |
| Average equity | $90,437,750 | 1,045 |
| Average total loans | $724,678,000 | 848 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,521 |
| Cost of funding earning assets | 0.7951% | 1,851 |
| Net interest margin | 3.4855% | 2,838 |
| Noninterest income to average assets | 0.4091% | 3,022 |
| Noninterest expense to average assets | 2.7367% | 2,267 |
| Loan and lease loss provision to assets | 0.2616% | 1,623 |
| Net operating income to assets | 0.5099% | 3,991 |
| Return on assets (ROA) | 0.5515% | 3,965 |
| Pretax return on assets | 0.7281% | 3,802 |
| Return on Equity (ROE) | 5.3113% | 3,744 |
| Retained earnings to average equity (ytd only) | 5.3113% | 2,344 |
| Net charge-offs to loans | -0.0047% | 4,001 |
| Credit loss provision to net charge-offs | -6,658.8235% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1023% | 1,808 |
| Assets per employee ($millions) | 7.3752% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6896% | 4,588 |
| Loan loss allowance to noncurrent loans | 111.6998% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 1,587 |
| Noncurrent loans to loans | 0.6173% | 2,315 |
| Net loans and leases to total assets | 80.9925% | 499 |
| Net loans and leases to deposits | 94.9743% | 877 |
| Net loans and leases to core deposits | 99.8808% | 1,262 |
| Total domestic deposits to total assets | 85.2784% | 2,272 |
| Equity capital to assets | 10.1428% | 3,075 |
| Core capital (leverage) ratio | 9.7247% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $865,283,667 | 969 |
| Average earning assets | $810,453,333 | 962 |
| Average equity | $89,847,000 | 1,038 |
| Average total loans | $720,245,333 | 838 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 2,305 |
| Cost of funding earning assets | 0.8935% | 1,903 |
| Net interest margin | 3.6087% | 2,632 |
| Noninterest income to average assets | 0.3533% | 3,405 |
| Noninterest expense to average assets | 2.8461% | 2,290 |
| Loan and lease loss provision to assets | 0.2858% | 1,089 |
| Net operating income to assets | 0.4486% | 4,019 |
| Return on assets (ROA) | 0.4486% | 4,072 |
| Pretax return on assets | 0.5971% | 3,926 |
| Return on Equity (ROE) | 4.2675% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.2675% | 2,584 |
| Net charge-offs to loans | -0.0129% | 4,167 |
| Credit loss provision to net charge-offs | -2,634.7826% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0458% | 1,932 |
| Assets per employee ($millions) | 6.0985% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6408% | 4,703 |
| Loan loss allowance to noncurrent loans | 78.0777% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 1,346 |
| Noncurrent loans to loans | 0.8207% | 1,967 |
| Net loans and leases to total assets | 83.0583% | 353 |
| Net loans and leases to deposits | 100.3864% | 535 |
| Net loans and leases to core deposits | 106.3722% | 1,037 |
| Total domestic deposits to total assets | 82.7386% | 3,195 |
| Equity capital to assets | 10.6072% | 3,225 |
| Core capital (leverage) ratio | 9.9598% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,039,500 | 962 |
| Average earning assets | $793,304,500 | 951 |
| Average equity | $89,139,500 | 1,041 |
| Average total loans | $713,464,000 | 824 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3688% | 713 |
| Cost of funding earning assets | 1.2794% | 817 |
| Net interest margin | 4.0894% | 1,570 |
| Noninterest income to average assets | 0.3972% | 3,310 |
| Noninterest expense to average assets | 3.7835% | 683 |
| Loan and lease loss provision to assets | 0.1419% | 1,505 |
| Net operating income to assets | 0.2525% | 4,793 |
| Return on assets (ROA) | 0.2506% | 4,821 |
| Pretax return on assets | 0.2858% | 4,832 |
| Return on Equity (ROE) | 2.4020% | 4,754 |
| Retained earnings to average equity (ytd only) | 2.4020% | 3,819 |
| Net charge-offs to loans | 0.0011% | 3,689 |
| Credit loss provision to net charge-offs | 15,116.6667% | 25 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 205 |
| Efficiency ratio | 86.4568% | 520 |
| Assets per employee ($millions) | 5.9745% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 4,830 |
| Loan loss allowance to noncurrent loans | 93.9692% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 1,640 |
| Noncurrent loans to loans | 0.5794% | 2,448 |
| Net loans and leases to total assets | 84.2065% | 303 |
| Net loans and leases to deposits | 103.9432% | 377 |
| Net loans and leases to core deposits | 110.3795% | 829 |
| Total domestic deposits to total assets | 81.0121% | 3,767 |
| Equity capital to assets | 10.4154% | 3,523 |
| Core capital (leverage) ratio | 9.7938% | 3,737 |
| Tier 1 risk-based capital ratio | 13.8928% | 3,316 |
| Total risk-based capital ratio | 14.5988% | 3,493 |
| Memoranda: | ||
| Average total assets | $639,302,000 | 1,168 |
| Average earning assets | $596,598,400 | 1,156 |
| Average equity | $66,695,000 | 1,271 |
| Average total loans | $535,379,800 | 1,006 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 438 |
| Cost of funding earning assets | 1.3823% | 606 |
| Net interest margin | 4.2880% | 1,185 |
| Noninterest income to average assets | 0.3997% | 3,322 |
| Noninterest expense to average assets | 3.8709% | 609 |
| Loan and lease loss provision to assets | 0.1590% | 1,184 |
| Net operating income to assets | 0.3111% | 4,820 |
| Return on assets (ROA) | 0.3084% | 4,850 |
| Pretax return on assets | 0.3666% | 4,841 |
| Return on Equity (ROE) | 2.9548% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.9548% | 3,904 |
| Net charge-offs to loans | 0.0025% | 3,345 |
| Credit loss provision to net charge-offs | 7,777.7778% | 51 |
| Earnings coverage of net charge-offs (x) | 258.6600% | 357 |
| Efficiency ratio | 84.7607% | 567 |
| Assets per employee ($millions) | 5.8973% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5160% | 4,948 |
| Loan loss allowance to noncurrent loans | 111.7452% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 1,974 |
| Noncurrent loans to loans | 0.4617% | 2,918 |
| Net loans and leases to total assets | 84.0312% | 354 |
| Net loans and leases to deposits | 99.5383% | 677 |
| Net loans and leases to core deposits | 106.8584% | 1,119 |
| Total domestic deposits to total assets | 84.4209% | 2,662 |
| Equity capital to assets | 10.3928% | 3,643 |
| Core capital (leverage) ratio | 9.7670% | 3,891 |
| Tier 1 risk-based capital ratio | 14.2853% | 3,180 |
| Total risk-based capital ratio | 14.9874% | 3,365 |
| Memoranda: | ||
| Average total assets | $587,032,000 | 1,245 |
| Average earning assets | $547,589,250 | 1,239 |
| Average equity | $61,278,250 | 1,363 |
| Average total loans | $489,648,750 | 1,096 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1676% | 183 |
| Cost of funding earning assets | 1.5100% | 368 |
| Net interest margin | 4.6576% | 541 |
| Noninterest income to average assets | 0.3815% | 3,391 |
| Noninterest expense to average assets | 4.3279% | 363 |
| Loan and lease loss provision to assets | 0.1601% | 1,133 |
| Net operating income to assets | 0.2145% | 4,977 |
| Return on assets (ROA) | 0.2142% | 4,989 |
| Pretax return on assets | 0.2330% | 4,999 |
| Return on Equity (ROE) | 2.0465% | 4,932 |
| Retained earnings to average equity (ytd only) | 2.0465% | 4,096 |
| Net charge-offs to loans | -0.0019% | 3,947 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7156% | 405 |
| Assets per employee ($millions) | 5.9848% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 5,047 |
| Loan loss allowance to noncurrent loans | 130.5046% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 1,981 |
| Noncurrent loans to loans | 0.3637% | 3,222 |
| Net loans and leases to total assets | 84.2431% | 338 |
| Net loans and leases to deposits | 100.1406% | 669 |
| Net loans and leases to core deposits | 107.7052% | 1,122 |
| Total domestic deposits to total assets | 84.1248% | 2,805 |
| Equity capital to assets | 10.2858% | 3,710 |
| Core capital (leverage) ratio | 9.6576% | 3,971 |
| Tier 1 risk-based capital ratio | 14.1035% | 3,261 |
| Total risk-based capital ratio | 14.7558% | 3,479 |
| Memoranda: | ||
| Average total assets | $499,637,330 | 1,431 |
| Average earning assets | $465,558,670 | 1,432 |
| Average equity | $52,285,330 | 1,531 |
| Average total loans | $413,762,670 | 1,244 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 3,931 |
| Cost of funding earning assets | 0.6388% | 3,359 |
| Net interest margin | 3.5394% | 3,464 |
| Noninterest income to average assets | 0.2884% | 3,943 |
| Noninterest expense to average assets | 3.0690% | 1,807 |
| Loan and lease loss provision to assets | 0.0394% | 2,838 |
| Net operating income to assets | 0.3537% | 4,821 |
| Return on assets (ROA) | 0.3537% | 4,828 |
| Pretax return on assets | 0.4647% | 4,755 |
| Return on Equity (ROE) | 3.3063% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.3063% | 3,594 |
| Net charge-offs to loans | -0.0184% | 4,459 |
| Credit loss provision to net charge-offs | -266.6667% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8910% | 714 |
| Assets per employee ($millions) | 6.1225% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 4,923 |
| Loan loss allowance to noncurrent loans | 111.4326% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,841 |
| Noncurrent loans to loans | 0.5441% | 2,680 |
| Net loans and leases to total assets | 79.7720% | 868 |
| Net loans and leases to deposits | 90.5854% | 1,557 |
| Net loans and leases to core deposits | 98.3092% | 1,752 |
| Total domestic deposits to total assets | 88.0627% | 1,303 |
| Equity capital to assets | 10.7721% | 3,072 |
| Core capital (leverage) ratio | 10.7419% | 2,811 |
| Tier 1 risk-based capital ratio | 16.0653% | 2,410 |
| Total risk-based capital ratio | 16.8737% | 2,523 |
| Memoranda: | ||
| Average total assets | $324,534,500 | 2,041 |
| Average earning assets | $301,183,000 | 2,042 |
| Average equity | $34,721,500 | 2,150 |
| Average total loans | $260,970,000 | 1,802 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,872 |
| Cost of funding earning assets | 0.5218% | 3,218 |
| Net interest margin | 3.5363% | 3,585 |
| Noninterest income to average assets | 0.4148% | 3,349 |
| Noninterest expense to average assets | 3.0530% | 1,917 |
| Loan and lease loss provision to assets | 0.0666% | 2,822 |
| Net operating income to assets | 0.4302% | 4,810 |
| Return on assets (ROA) | 0.4006% | 4,858 |
| Pretax return on assets | 0.5322% | 4,751 |
| Return on Equity (ROE) | 3.9218% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.9218% | 3,421 |
| Net charge-offs to loans | 0.0234% | 2,940 |
| Credit loss provision to net charge-offs | 360.6557% | 886 |
| Earnings coverage of net charge-offs (x) | 34.4754% | 1,460 |
| Efficiency ratio | 80.8430% | 886 |
| Assets per employee ($millions) | 6.3642% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5870% | 4,995 |
| Loan loss allowance to noncurrent loans | 98.7773% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,655 |
| Noncurrent loans to loans | 0.5943% | 2,503 |
| Net loans and leases to total assets | 80.0958% | 928 |
| Net loans and leases to deposits | 90.8510% | 1,692 |
| Net loans and leases to core deposits | 99.3010% | 1,776 |
| Total domestic deposits to total assets | 88.1617% | 1,228 |
| Equity capital to assets | 10.6256% | 3,050 |
| Core capital (leverage) ratio | 10.3456% | 3,208 |
| Tier 1 risk-based capital ratio | 15.6492% | 2,555 |
| Total risk-based capital ratio | 16.4240% | 2,684 |
| Memoranda: | ||
| Average total assets | $330,526,000 | 1,990 |
| Average earning assets | $306,057,600 | 1,993 |
| Average equity | $33,760,000 | 2,125 |
| Average total loans | $260,239,600 | 1,780 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 3,911 |
| Cost of funding earning assets | 0.4724% | 3,381 |
| Net interest margin | 3.5339% | 3,579 |
| Noninterest income to average assets | 0.4309% | 3,277 |
| Noninterest expense to average assets | 3.0592% | 1,858 |
| Loan and lease loss provision to assets | 0.0763% | 2,437 |
| Net operating income to assets | 0.4273% | 4,901 |
| Return on assets (ROA) | 0.3879% | 4,979 |
| Pretax return on assets | 0.5168% | 4,878 |
| Return on Equity (ROE) | 3.8358% | 4,857 |
| Retained earnings to average equity (ytd only) | 3.8358% | 3,863 |
| Net charge-offs to loans | 0.0287% | 2,524 |
| Credit loss provision to net charge-offs | 339.2857% | 924 |
| Earnings coverage of net charge-offs (x) | 28.5911% | 1,658 |
| Efficiency ratio | 80.7354% | 881 |
| Assets per employee ($millions) | 6.2071% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5777% | 5,075 |
| Loan loss allowance to noncurrent loans | 97.2938% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,794 |
| Noncurrent loans to loans | 0.5937% | 2,600 |
| Net loans and leases to total assets | 78.9988% | 1,167 |
| Net loans and leases to deposits | 89.3829% | 1,974 |
| Net loans and leases to core deposits | 97.8196% | 1,949 |
| Total domestic deposits to total assets | 88.3824% | 1,091 |
| Equity capital to assets | 10.3153% | 3,318 |
| Core capital (leverage) ratio | 10.2475% | 3,350 |
| Tier 1 risk-based capital ratio | 15.4777% | 2,660 |
| Total risk-based capital ratio | 16.2417% | 2,807 |
| Memoranda: | ||
| Average total assets | $332,014,000 | 1,989 |
| Average earning assets | $307,342,500 | 1,996 |
| Average equity | $33,578,000 | 2,136 |
| Average total loans | $259,923,250 | 1,785 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 3,985 |
| Cost of funding earning assets | 0.4340% | 3,470 |
| Net interest margin | 3.5000% | 3,626 |
| Noninterest income to average assets | 0.3862% | 3,577 |
| Noninterest expense to average assets | 3.0406% | 1,937 |
| Loan and lease loss provision to assets | 0.0961% | 2,007 |
| Net operating income to assets | 0.3782% | 5,003 |
| Return on assets (ROA) | 0.3753% | 5,013 |
| Pretax return on assets | 0.4858% | 4,929 |
| Return on Equity (ROE) | 3.7359% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.7359% | 3,731 |
| Net charge-offs to loans | 0.0100% | 2,779 |
| Credit loss provision to net charge-offs | 1,230.7692% | 342 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 860 |
| Efficiency ratio | 82.0305% | 833 |
| Assets per employee ($millions) | 6.1639% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5716% | 5,159 |
| Loan loss allowance to noncurrent loans | 55.2012% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,803 |
| Noncurrent loans to loans | 1.0355% | 1,700 |
| Net loans and leases to total assets | 79.5902% | 1,083 |
| Net loans and leases to deposits | 91.3384% | 1,668 |
| Net loans and leases to core deposits | 99.5352% | 1,768 |
| Total domestic deposits to total assets | 87.1377% | 1,782 |
| Equity capital to assets | 10.0964% | 3,541 |
| Core capital (leverage) ratio | 10.1440% | 3,428 |
| Tier 1 risk-based capital ratio | 14.8363% | 2,954 |
| Total risk-based capital ratio | 15.5821% | 3,112 |
| Memoranda: | ||
| Average total assets | $333,026,670 | 1,996 |
| Average earning assets | $308,289,330 | 1,998 |
| Average equity | $33,459,000 | 2,145 |
| Average total loans | $259,432,000 | 1,796 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 4,017 |
| Cost of funding earning assets | 0.3995% | 3,590 |
| Net interest margin | 3.4706% | 3,642 |
| Noninterest income to average assets | 0.3782% | 3,600 |
| Noninterest expense to average assets | 3.1593% | 1,671 |
| Loan and lease loss provision to assets | 0.0300% | 3,112 |
| Net operating income to assets | 0.3158% | 5,068 |
| Return on assets (ROA) | 0.3158% | 5,073 |
| Pretax return on assets | 0.4023% | 5,036 |
| Return on Equity (ROE) | 3.1511% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.1511% | 3,945 |
| Net charge-offs to loans | 0.0281% | 1,934 |
| Credit loss provision to net charge-offs | 138.8889% | 1,279 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,487 |
| Efficiency ratio | 86.0247% | 649 |
| Assets per employee ($millions) | 6.1651% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5374% | 5,281 |
| Loan loss allowance to noncurrent loans | 60.6313% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 2,276 |
| Noncurrent loans to loans | 0.8863% | 2,056 |
| Net loans and leases to total assets | 76.8889% | 1,403 |
| Net loans and leases to deposits | 86.7458% | 2,076 |
| Net loans and leases to core deposits | 94.1863% | 2,121 |
| Total domestic deposits to total assets | 88.6370% | 1,290 |
| Equity capital to assets | 10.0083% | 3,582 |
| Core capital (leverage) ratio | 9.9680% | 3,569 |
| Tier 1 risk-based capital ratio | 14.9631% | 2,882 |
| Total risk-based capital ratio | 15.6580% | 3,081 |
| Memoranda: | ||
| Average total assets | $333,115,000 | 2,004 |
| Average earning assets | $308,417,500 | 2,006 |
| Average equity | $33,385,500 | 2,169 |
| Average total loans | $255,928,500 | 1,824 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,369 |
| Cost of funding earning assets | 0.3708% | 3,509 |
| Net interest margin | 3.3155% | 4,111 |
| Noninterest income to average assets | 0.4787% | 3,135 |
| Noninterest expense to average assets | 2.8425% | 2,640 |
| Loan and lease loss provision to assets | 0.0274% | 3,741 |
| Net operating income to assets | 0.4249% | 4,607 |
| Return on assets (ROA) | 0.4325% | 4,606 |
| Pretax return on assets | 0.6883% | 4,539 |
| Return on Equity (ROE) | 4.3418% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.3418% | 2,549 |
| Net charge-offs to loans | -0.0230% | 4,994 |
| Credit loss provision to net charge-offs | -163.6364% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1561% | 1,325 |
| Assets per employee ($millions) | 6.1725% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 5,340 |
| Loan loss allowance to noncurrent loans | 50.2007% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,896 |
| Noncurrent loans to loans | 1.0770% | 1,653 |
| Net loans and leases to total assets | 75.9412% | 1,610 |
| Net loans and leases to deposits | 85.6083% | 2,313 |
| Net loans and leases to core deposits | 93.6737% | 2,223 |
| Total domestic deposits to total assets | 88.7077% | 1,143 |
| Equity capital to assets | 10.0361% | 3,667 |
| Core capital (leverage) ratio | 9.8180% | 3,676 |
| Tier 1 risk-based capital ratio | 14.8051% | 2,927 |
| Total risk-based capital ratio | 15.4952% | 3,123 |
| Memoranda: | ||
| Average total assets | $328,800,800 | 2,017 |
| Average earning assets | $304,203,000 | 2,020 |
| Average equity | $32,751,200 | 2,185 |
| Average total loans | $238,730,400 | 1,881 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,443 |
| Cost of funding earning assets | 0.3608% | 3,555 |
| Net interest margin | 3.2893% | 4,203 |
| Noninterest income to average assets | 0.3813% | 3,803 |
| Noninterest expense to average assets | 2.7897% | 2,763 |
| Loan and lease loss provision to assets | 0.0273% | 3,586 |
| Net operating income to assets | 0.4007% | 5,000 |
| Return on assets (ROA) | 0.4114% | 5,006 |
| Pretax return on assets | 0.6181% | 4,808 |
| Return on Equity (ROE) | 4.1379% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.1379% | 3,445 |
| Net charge-offs to loans | 0.0131% | 3,269 |
| Credit loss provision to net charge-offs | 291.3043% | 1,019 |
| Earnings coverage of net charge-offs (x) | 67.2520% | 923 |
| Efficiency ratio | 79.5073% | 1,162 |
| Assets per employee ($millions) | 6.5295% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5324% | 5,425 |
| Loan loss allowance to noncurrent loans | 70.7155% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 2,934 |
| Noncurrent loans to loans | 0.7529% | 2,480 |
| Net loans and leases to total assets | 70.1536% | 2,533 |
| Net loans and leases to deposits | 78.8781% | 3,083 |
| Net loans and leases to core deposits | 87.2474% | 2,847 |
| Total domestic deposits to total assets | 88.9393% | 916 |
| Equity capital to assets | 9.7760% | 4,170 |
| Core capital (leverage) ratio | 9.7576% | 3,873 |
| Tier 1 risk-based capital ratio | 15.6678% | 2,645 |
| Total risk-based capital ratio | 16.3565% | 2,799 |
| Memoranda: | ||
| Average total assets | $327,671,750 | 2,034 |
| Average earning assets | $302,631,000 | 2,047 |
| Average equity | $32,576,000 | 2,205 |
| Average total loans | $234,787,750 | 1,913 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 4,303 |
| Cost of funding earning assets | 0.3544% | 3,536 |
| Net interest margin | 3.3193% | 4,051 |
| Noninterest income to average assets | 0.3763% | 3,865 |
| Noninterest expense to average assets | 2.7889% | 2,806 |
| Loan and lease loss provision to assets | 0.0321% | 3,355 |
| Net operating income to assets | 0.4116% | 4,957 |
| Return on assets (ROA) | 0.4244% | 4,943 |
| Pretax return on assets | 0.6357% | 4,730 |
| Return on Equity (ROE) | 4.2446% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.2446% | 3,183 |
| Net charge-offs to loans | -0.0180% | 4,743 |
| Credit loss provision to net charge-offs | -247.6190% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0439% | 1,330 |
| Assets per employee ($millions) | 6.1286% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5482% | 5,460 |
| Loan loss allowance to noncurrent loans | 50.9176% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 2,273 |
| Noncurrent loans to loans | 1.0766% | 1,820 |
| Net loans and leases to total assets | 71.4876% | 2,284 |
| Net loans and leases to deposits | 80.6716% | 2,840 |
| Net loans and leases to core deposits | 89.3856% | 2,583 |
| Total domestic deposits to total assets | 88.6156% | 1,153 |
| Equity capital to assets | 9.9476% | 3,974 |
| Core capital (leverage) ratio | 9.9470% | 3,600 |
| Tier 1 risk-based capital ratio | 15.6386% | 2,649 |
| Total risk-based capital ratio | 16.3466% | 2,820 |
| Memoranda: | ||
| Average total assets | $323,717,330 | 2,062 |
| Average earning assets | $298,554,000 | 2,065 |
| Average equity | $32,370,330 | 2,209 |
| Average total loans | $233,226,670 | 1,929 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 4,025 |
| Cost of funding earning assets | 0.3525% | 3,500 |
| Net interest margin | 3.3727% | 3,744 |
| Noninterest income to average assets | 0.3936% | 3,712 |
| Noninterest expense to average assets | 2.8928% | 2,472 |
| Loan and lease loss provision to assets | 0.0462% | 2,879 |
| Net operating income to assets | 0.3894% | 4,973 |
| Return on assets (ROA) | 0.4161% | 4,928 |
| Pretax return on assets | 0.6023% | 4,727 |
| Return on Equity (ROE) | 4.1502% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.1502% | 3,383 |
| Net charge-offs to loans | -0.0450% | 5,134 |
| Credit loss provision to net charge-offs | -142.3077% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5209% | 1,317 |
| Assets per employee ($millions) | 6.4047% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 5,535 |
| Loan loss allowance to noncurrent loans | 61.5019% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 2,665 |
| Noncurrent loans to loans | 0.9088% | 2,216 |
| Net loans and leases to total assets | 71.8888% | 2,092 |
| Net loans and leases to deposits | 81.0912% | 2,614 |
| Net loans and leases to core deposits | 90.9451% | 2,275 |
| Total domestic deposits to total assets | 88.6518% | 1,345 |
| Equity capital to assets | 10.0817% | 3,656 |
| Core capital (leverage) ratio | 9.9975% | 3,503 |
| Tier 1 risk-based capital ratio | 15.5320% | 2,742 |
| Total risk-based capital ratio | 16.2382% | 2,897 |
| Memoranda: | ||
| Average total assets | $320,104,000 | 2,094 |
| Average earning assets | $295,071,500 | 2,104 |
| Average equity | $32,095,000 | 2,233 |
| Average total loans | $230,896,000 | 1,952 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 4,796 |
| Cost of funding earning assets | 0.3588% | 3,427 |
| Net interest margin | 3.1356% | 4,627 |
| Noninterest income to average assets | 0.4745% | 3,383 |
| Noninterest expense to average assets | 2.9369% | 2,539 |
| Loan and lease loss provision to assets | 0.0685% | 2,994 |
| Net operating income to assets | 0.2732% | 5,280 |
| Return on assets (ROA) | 0.2981% | 5,292 |
| Pretax return on assets | 0.3829% | 5,252 |
| Return on Equity (ROE) | 3.0546% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.0546% | 3,724 |
| Net charge-offs to loans | -0.0046% | 4,798 |
| Credit loss provision to net charge-offs | -2,230.0000% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3493% | 873 |
| Assets per employee ($millions) | 6.0372% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 5,623 |
| Loan loss allowance to noncurrent loans | 33.0115% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 1,568 |
| Noncurrent loans to loans | 1.6193% | 1,209 |
| Net loans and leases to total assets | 71.5854% | 2,224 |
| Net loans and leases to deposits | 80.6557% | 2,825 |
| Net loans and leases to core deposits | 90.5073% | 2,452 |
| Total domestic deposits to total assets | 88.7544% | 1,233 |
| Equity capital to assets | 9.9712% | 3,754 |
| Core capital (leverage) ratio | 9.8959% | 3,629 |
| Tier 1 risk-based capital ratio | 15.2639% | 2,855 |
| Total risk-based capital ratio | 15.9335% | 3,053 |
| Memoranda: | ||
| Average total assets | $325,374,600 | 2,033 |
| Average earning assets | $299,046,200 | 2,050 |
| Average equity | $31,755,600 | 2,238 |
| Average total loans | $216,073,000 | 2,001 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,046 |
| Cost of funding earning assets | 0.3565% | 3,471 |
| Net interest margin | 3.0336% | 4,943 |
| Noninterest income to average assets | 0.5056% | 3,208 |
| Noninterest expense to average assets | 2.9394% | 2,502 |
| Loan and lease loss provision to assets | 0.0751% | 2,718 |
| Net operating income to assets | 0.2190% | 5,436 |
| Return on assets (ROA) | 0.2502% | 5,460 |
| Pretax return on assets | 0.3236% | 5,426 |
| Return on Equity (ROE) | 2.5768% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.5768% | 4,365 |
| Net charge-offs to loans | -0.0038% | 4,564 |
| Credit loss provision to net charge-offs | -3,066.6667% | 5,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9447% | 736 |
| Assets per employee ($millions) | 5.3047% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5352% | 5,693 |
| Loan loss allowance to noncurrent loans | 64.4601% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 3,199 |
| Noncurrent loans to loans | 0.8303% | 2,605 |
| Net loans and leases to total assets | 68.2274% | 2,767 |
| Net loans and leases to deposits | 76.6564% | 3,331 |
| Net loans and leases to core deposits | 86.1336% | 2,937 |
| Total domestic deposits to total assets | 89.0042% | 908 |
| Equity capital to assets | 9.9318% | 4,203 |
| Core capital (leverage) ratio | 9.4409% | 4,270 |
| Tier 1 risk-based capital ratio | 16.0269% | 2,615 |
| Total risk-based capital ratio | 16.7137% | 2,778 |
| Memoranda: | ||
| Average total assets | $326,725,000 | 2,027 |
| Average earning assets | $300,709,250 | 2,043 |
| Average equity | $31,718,250 | 2,260 |
| Average total loans | $212,520,000 | 2,033 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,259 |
| Cost of funding earning assets | 0.4150% | 2,885 |
| Net interest margin | 2.9004% | 5,262 |
| Noninterest income to average assets | 0.4242% | 3,703 |
| Noninterest expense to average assets | 2.8236% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2297% | 5,472 |
| Return on assets (ROA) | 0.2297% | 5,533 |
| Pretax return on assets | 0.3195% | 5,472 |
| Return on Equity (ROE) | 2.7458% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.7458% | 4,156 |
| Net charge-offs to loans | -0.0056% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8348% | 612 |
| Assets per employee ($millions) | 5.2894% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 5,633 |
| Loan loss allowance to noncurrent loans | 51.2432% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 2,604 |
| Noncurrent loans to loans | 1.2433% | 1,847 |
| Net loans and leases to total assets | 63.5257% | 3,431 |
| Net loans and leases to deposits | 69.8864% | 3,995 |
| Net loans and leases to core deposits | 78.6628% | 3,586 |
| Total domestic deposits to total assets | 90.8986% | 210 |
| Equity capital to assets | 8.2953% | 5,697 |
| Core capital (leverage) ratio | 8.2637% | 5,559 |
| Tier 1 risk-based capital ratio | 14.1155% | 3,541 |
| Total risk-based capital ratio | 14.8948% | 3,726 |
| Memoranda: | ||
| Average total assets | $227,228,330 | 2,705 |
| Average earning assets | $213,008,670 | 2,682 |
| Average equity | $19,011,000 | 3,301 |
| Average total loans | $143,206,000 | 2,733 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 5,292 |
| Cost of funding earning assets | 0.4212% | 2,851 |
| Net interest margin | 2.8948% | 5,327 |
| Noninterest income to average assets | 0.4134% | 3,725 |
| Noninterest expense to average assets | 2.9188% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1550% | 5,606 |
| Return on assets (ROA) | 0.1550% | 5,661 |
| Pretax return on assets | 0.2014% | 5,641 |
| Return on Equity (ROE) | 1.8448% | 5,534 |
| Retained earnings to average equity (ytd only) | 1.8448% | 4,524 |
| Net charge-offs to loans | 0.0114% | 2,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,219 |
| Efficiency ratio | 93.5465% | 474 |
| Assets per employee ($millions) | 5.3209% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 5,665 |
| Loan loss allowance to noncurrent loans | 51.5351% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 2,706 |
| Noncurrent loans to loans | 1.2836% | 1,881 |
| Net loans and leases to total assets | 61.6952% | 3,565 |
| Net loans and leases to deposits | 67.8644% | 4,075 |
| Net loans and leases to core deposits | 76.5047% | 3,637 |
| Total domestic deposits to total assets | 90.9095% | 296 |
| Equity capital to assets | 8.2867% | 5,702 |
| Core capital (leverage) ratio | 8.4386% | 5,450 |
| Tier 1 risk-based capital ratio | 14.5667% | 3,360 |
| Total risk-based capital ratio | 15.3722% | 3,534 |
| Memoranda: | ||
| Average total assets | $224,475,500 | 2,742 |
| Average earning assets | $209,895,000 | 2,718 |
| Average equity | $18,863,500 | 3,318 |
| Average total loans | $140,412,000 | 2,777 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,289 |
| Cost of funding earning assets | 0.4193% | 2,947 |
| Net interest margin | 2.9127% | 5,314 |
| Noninterest income to average assets | 0.4720% | 3,517 |
| Noninterest expense to average assets | 2.8942% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2346% | 5,508 |
| Return on assets (ROA) | 0.2392% | 5,569 |
| Pretax return on assets | 0.3116% | 5,502 |
| Return on Equity (ROE) | 2.8179% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.8179% | 4,066 |
| Net charge-offs to loans | 0.1179% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.0920% | 3,610 |
| Efficiency ratio | 90.4482% | 664 |
| Assets per employee ($millions) | 5.1198% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6805% | 5,665 |
| Loan loss allowance to noncurrent loans | 47.6768% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 2,420 |
| Noncurrent loans to loans | 1.4273% | 1,630 |
| Net loans and leases to total assets | 62.5849% | 3,478 |
| Net loans and leases to deposits | 69.0156% | 4,028 |
| Net loans and leases to core deposits | 77.9129% | 3,554 |
| Total domestic deposits to total assets | 90.6823% | 386 |
| Equity capital to assets | 8.5246% | 5,548 |
| Core capital (leverage) ratio | 8.5311% | 5,390 |
| Tier 1 risk-based capital ratio | 14.7226% | 3,319 |
| Total risk-based capital ratio | 15.5413% | 3,471 |
| Memoranda: | ||
| Average total assets | $218,228,600 | 2,762 |
| Average earning assets | $204,383,800 | 2,738 |
| Average equity | $18,524,400 | 3,312 |
| Average total loans | $138,220,600 | 2,750 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 5,396 |
| Cost of funding earning assets | 0.4161% | 3,053 |
| Net interest margin | 2.8914% | 5,430 |
| Noninterest income to average assets | 0.4341% | 3,839 |
| Noninterest expense to average assets | 2.8693% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2197% | 5,641 |
| Return on assets (ROA) | 0.2259% | 5,693 |
| Pretax return on assets | 0.2872% | 5,662 |
| Return on Equity (ROE) | 2.6646% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.6646% | 4,518 |
| Net charge-offs to loans | 0.1274% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.4544% | 3,497 |
| Efficiency ratio | 91.1319% | 624 |
| Assets per employee ($millions) | 5.3136% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 5,759 |
| Loan loss allowance to noncurrent loans | 93.1232% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 3,921 |
| Noncurrent loans to loans | 0.7365% | 3,123 |
| Net loans and leases to total assets | 63.2596% | 3,411 |
| Net loans and leases to deposits | 69.7653% | 4,012 |
| Net loans and leases to core deposits | 78.7607% | 3,534 |
| Total domestic deposits to total assets | 90.6749% | 346 |
| Equity capital to assets | 8.3797% | 5,778 |
| Core capital (leverage) ratio | 8.5506% | 5,515 |
| Tier 1 risk-based capital ratio | 14.9178% | 3,336 |
| Total risk-based capital ratio | 15.7709% | 3,478 |
| Memoranda: | ||
| Average total assets | $217,747,750 | 2,788 |
| Average earning assets | $204,415,250 | 2,746 |
| Average equity | $18,463,750 | 3,345 |
| Average total loans | $138,094,250 | 2,765 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,432 |
| Cost of funding earning assets | 0.4198% | 3,039 |
| Net interest margin | 2.8840% | 5,471 |
| Noninterest income to average assets | 0.4140% | 3,976 |
| Noninterest expense to average assets | 2.9647% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1395% | 5,830 |
| Return on assets (ROA) | 0.1547% | 5,849 |
| Pretax return on assets | 0.1704% | 5,857 |
| Return on Equity (ROE) | 1.8167% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.8167% | 4,789 |
| Net charge-offs to loans | -0.0117% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0698% | 475 |
| Assets per employee ($millions) | 5.2869% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 5,574 |
| Loan loss allowance to noncurrent loans | 57.8320% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 2,764 |
| Noncurrent loans to loans | 1.4023% | 1,922 |
| Net loans and leases to total assets | 62.9131% | 3,424 |
| Net loans and leases to deposits | 69.4817% | 3,983 |
| Net loans and leases to core deposits | 78.2693% | 3,548 |
| Total domestic deposits to total assets | 90.5463% | 439 |
| Equity capital to assets | 8.4918% | 5,689 |
| Core capital (leverage) ratio | 8.5744% | 5,467 |
| Tier 1 risk-based capital ratio | 15.1343% | 3,285 |
| Total risk-based capital ratio | 16.1205% | 3,364 |
| Memoranda: | ||
| Average total assets | $215,940,000 | 2,823 |
| Average earning assets | $202,498,670 | 2,792 |
| Average equity | $18,384,670 | 3,373 |
| Average total loans | $136,741,670 | 2,796 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2184% | 5,620 |
| Cost of funding earning assets | 0.4194% | 3,084 |
| Net interest margin | 2.7990% | 5,642 |
| Noninterest income to average assets | 0.3638% | 4,301 |
| Noninterest expense to average assets | 2.8414% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1340% | 5,822 |
| Return on assets (ROA) | 0.1540% | 5,852 |
| Pretax return on assets | 0.1707% | 5,864 |
| Return on Equity (ROE) | 1.8070% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.8070% | 4,746 |
| Net charge-offs to loans | -0.0176% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0341% | 541 |
| Assets per employee ($millions) | 5.3996% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 5,637 |
| Loan loss allowance to noncurrent loans | 72.6027% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 3,410 |
| Noncurrent loans to loans | 1.1337% | 2,502 |
| Net loans and leases to total assets | 60.5785% | 3,573 |
| Net loans and leases to deposits | 66.8113% | 4,068 |
| Net loans and leases to core deposits | 74.8584% | 3,702 |
| Total domestic deposits to total assets | 90.6710% | 474 |
| Equity capital to assets | 8.3448% | 5,841 |
| Core capital (leverage) ratio | 8.7143% | 5,310 |
| Tier 1 risk-based capital ratio | 17.3459% | 2,361 |
| Total risk-based capital ratio | 18.4663% | 2,358 |
| Memoranda: | ||
| Average total assets | $215,529,500 | 2,849 |
| Average earning assets | $202,214,000 | 2,811 |
| Average equity | $18,373,500 | 3,399 |
| Average total loans | $136,369,500 | 2,801 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 5,165 |
| Cost of funding earning assets | 0.4555% | 3,116 |
| Net interest margin | 3.1153% | 5,168 |
| Noninterest income to average assets | 0.4125% | 4,094 |
| Noninterest expense to average assets | 2.9165% | 3,093 |
| Loan and lease loss provision to assets | -0.0502% | 6,038 |
| Net operating income to assets | 0.4214% | 5,146 |
| Return on assets (ROA) | 0.4248% | 5,207 |
| Pretax return on assets | 0.4684% | 5,329 |
| Return on Equity (ROE) | 5.0929% | 4,613 |
| Retained earnings to average equity (ytd only) | 5.0929% | 2,529 |
| Net charge-offs to loans | 0.0078% | 4,764 |
| Credit loss provision to net charge-offs | -963.6364% | 5,894 |
| Earnings coverage of net charge-offs (x) | 79.5455% | 629 |
| Efficiency ratio | 87.5587% | 1,030 |
| Assets per employee ($millions) | 4.9923% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,761 |
| Loan loss allowance to noncurrent loans | 82.4274% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 3,658 |
| Noncurrent loans to loans | 0.9766% | 2,886 |
| Net loans and leases to total assets | 65.0569% | 3,039 |
| Net loans and leases to deposits | 71.8046% | 3,706 |
| Net loans and leases to core deposits | 80.8837% | 3,201 |
| Total domestic deposits to total assets | 90.6026% | 494 |
| Equity capital to assets | 8.7149% | 5,568 |
| Core capital (leverage) ratio | 8.6567% | 5,386 |
| Tier 1 risk-based capital ratio | 15.7791% | 3,076 |
| Total risk-based capital ratio | 16.7970% | 3,141 |
| Memoranda: | ||
| Average total assets | $211,146,800 | 2,867 |
| Average earning assets | $197,800,800 | 2,829 |
| Average equity | $17,612,600 | 3,437 |
| Average total loans | $140,224,800 | 2,713 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 5,227 |
| Cost of funding earning assets | 0.4575% | 3,165 |
| Net interest margin | 3.1073% | 5,236 |
| Noninterest income to average assets | 0.3858% | 4,347 |
| Noninterest expense to average assets | 2.8694% | 3,232 |
| Loan and lease loss provision to assets | -0.0668% | 6,221 |
| Net operating income to assets | 0.3011% | 5,576 |
| Return on assets (ROA) | 0.3019% | 5,648 |
| Pretax return on assets | 0.4961% | 5,337 |
| Return on Equity (ROE) | 3.6604% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.6604% | 4,040 |
| Net charge-offs to loans | 0.0170% | 4,194 |
| Credit loss provision to net charge-offs | -588.8889% | 5,782 |
| Earnings coverage of net charge-offs (x) | 37.7213% | 1,173 |
| Efficiency ratio | 87.0197% | 1,092 |
| Assets per employee ($millions) | 5.1667% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 5,902 |
| Loan loss allowance to noncurrent loans | 173.5016% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 4,478 |
| Noncurrent loans to loans | 0.4537% | 4,539 |
| Net loans and leases to total assets | 65.4491% | 2,957 |
| Net loans and leases to deposits | 72.2063% | 3,669 |
| Net loans and leases to core deposits | 80.9737% | 3,200 |
| Total domestic deposits to total assets | 90.6418% | 473 |
| Equity capital to assets | 8.3829% | 5,885 |
| Core capital (leverage) ratio | 8.4367% | 5,720 |
| Tier 1 risk-based capital ratio | 15.1699% | 3,496 |
| Total risk-based capital ratio | 16.1585% | 3,573 |
| Memoranda: | ||
| Average total assets | $211,514,750 | 2,889 |
| Average earning assets | $198,191,750 | 2,849 |
| Average equity | $17,447,500 | 3,478 |
| Average total loans | $140,902,250 | 2,716 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 5,253 |
| Cost of funding earning assets | 0.4626% | 3,191 |
| Net interest margin | 3.1006% | 5,252 |
| Noninterest income to average assets | 0.3614% | 4,530 |
| Noninterest expense to average assets | 2.8958% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2268% | 5,763 |
| Return on assets (ROA) | 0.2280% | 5,826 |
| Pretax return on assets | 0.3718% | 5,634 |
| Return on Equity (ROE) | 2.7791% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.7791% | 4,432 |
| Net charge-offs to loans | 0.0184% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 30.0769% | 1,255 |
| Efficiency ratio | 88.6732% | 1,031 |
| Assets per employee ($millions) | 5.2090% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 5,826 |
| Loan loss allowance to noncurrent loans | 117.3450% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 4,555 |
| Noncurrent loans to loans | 0.7378% | 3,855 |
| Net loans and leases to total assets | 64.9244% | 2,918 |
| Net loans and leases to deposits | 71.3598% | 3,655 |
| Net loans and leases to core deposits | 80.1222% | 3,196 |
| Total domestic deposits to total assets | 90.9818% | 422 |
| Equity capital to assets | 8.1932% | 6,032 |
| Core capital (leverage) ratio | 8.3229% | 5,826 |
| Tier 1 risk-based capital ratio | 14.9565% | 3,667 |
| Total risk-based capital ratio | 16.0374% | 3,708 |
| Memoranda: | ||
| Average total assets | $211,408,000 | 2,899 |
| Average earning assets | $198,023,000 | 2,860 |
| Average equity | $17,344,000 | 3,490 |
| Average total loans | $141,288,330 | 2,706 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 5,205 |
| Cost of funding earning assets | 0.4734% | 3,194 |
| Net interest margin | 3.1148% | 5,193 |
| Noninterest income to average assets | 0.3575% | 4,524 |
| Noninterest expense to average assets | 2.8489% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2586% | 5,635 |
| Return on assets (ROA) | 0.2586% | 5,676 |
| Pretax return on assets | 0.4241% | 5,372 |
| Return on Equity (ROE) | 3.1505% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.1505% | 4,236 |
| Net charge-offs to loans | 0.0028% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 222 |
| Efficiency ratio | 87.0424% | 1,334 |
| Assets per employee ($millions) | 4.3329% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 5,935 |
| Loan loss allowance to noncurrent loans | 179.3255% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 5,184 |
| Noncurrent loans to loans | 0.4893% | 4,691 |
| Net loans and leases to total assets | 65.0789% | 2,719 |
| Net loans and leases to deposits | 71.3778% | 3,418 |
| Net loans and leases to core deposits | 80.5413% | 2,902 |
| Total domestic deposits to total assets | 91.1753% | 501 |
| Equity capital to assets | 8.1804% | 5,920 |
| Core capital (leverage) ratio | 8.3943% | 5,751 |
| Tier 1 risk-based capital ratio | 15.1491% | 3,631 |
| Total risk-based capital ratio | 16.2427% | 3,663 |
| Memoranda: | ||
| Average total assets | $210,328,500 | 2,928 |
| Average earning assets | $196,868,000 | 2,887 |
| Average equity | $17,267,000 | 3,509 |
| Average total loans | $141,998,500 | 2,703 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 5,283 |
| Cost of funding earning assets | 0.5635% | 2,990 |
| Net interest margin | 3.0846% | 5,364 |
| Noninterest income to average assets | 0.4225% | 4,284 |
| Noninterest expense to average assets | 2.8301% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3011% | 5,521 |
| Return on assets (ROA) | 0.3011% | 5,617 |
| Pretax return on assets | 0.4823% | 5,253 |
| Return on Equity (ROE) | 3.7573% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.7573% | 3,538 |
| Net charge-offs to loans | 0.0671% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.6771% | 2,330 |
| Efficiency ratio | 85.4403% | 1,472 |
| Assets per employee ($millions) | 4.8452% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 6,065 |
| Loan loss allowance to noncurrent loans | 180.5310% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 5,285 |
| Noncurrent loans to loans | 0.4689% | 4,824 |
| Net loans and leases to total assets | 68.8184% | 2,209 |
| Net loans and leases to deposits | 75.5720% | 3,017 |
| Net loans and leases to core deposits | 85.1702% | 2,546 |
| Total domestic deposits to total assets | 91.0633% | 546 |
| Equity capital to assets | 8.2393% | 5,833 |
| Core capital (leverage) ratio | 8.2833% | 5,891 |
| Tier 1 risk-based capital ratio | 14.4188% | 4,006 |
| Total risk-based capital ratio | 15.4687% | 4,086 |
| Memoranda: | ||
| Average total assets | $212,540,000 | 2,886 |
| Average earning assets | $199,119,600 | 2,834 |
| Average equity | $17,033,600 | 3,560 |
| Average total loans | $143,140,000 | 2,655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 5,378 |
| Cost of funding earning assets | 0.5853% | 2,945 |
| Net interest margin | 3.0371% | 5,500 |
| Noninterest income to average assets | 0.4295% | 4,301 |
| Noninterest expense to average assets | 2.7217% | 3,938 |
| Loan and lease loss provision to assets | 0.0187% | 4,640 |
| Net operating income to assets | 0.3246% | 5,515 |
| Return on assets (ROA) | 0.3246% | 5,641 |
| Pretax return on assets | 0.5362% | 5,248 |
| Return on Equity (ROE) | 4.0782% | 5,185 |
| Retained earnings to average equity (ytd only) | 4.0782% | 3,787 |
| Net charge-offs to loans | 0.0906% | 3,666 |
| Credit loss provision to net charge-offs | 30.9278% | 3,878 |
| Earnings coverage of net charge-offs (x) | 9.1649% | 2,516 |
| Efficiency ratio | 83.0634% | 1,701 |
| Assets per employee ($millions) | 5.0558% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,141 |
| Loan loss allowance to noncurrent loans | 109.1463% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 4,858 |
| Noncurrent loans to loans | 0.7935% | 4,258 |
| Net loans and leases to total assets | 65.9756% | 2,640 |
| Net loans and leases to deposits | 72.1023% | 3,503 |
| Net loans and leases to core deposits | 80.3193% | 3,095 |
| Total domestic deposits to total assets | 91.5028% | 370 |
| Equity capital to assets | 7.8491% | 6,231 |
| Core capital (leverage) ratio | 8.0173% | 6,208 |
| Tier 1 risk-based capital ratio | 14.2478% | 4,254 |
| Total risk-based capital ratio | 15.2793% | 4,361 |
| Memoranda: | ||
| Average total assets | $213,589,000 | 2,905 |
| Average earning assets | $200,232,000 | 2,850 |
| Average equity | $17,000,500 | 3,602 |
| Average total loans | $142,774,250 | 2,668 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 5,219 |
| Cost of funding earning assets | 0.5944% | 2,988 |
| Net interest margin | 3.0806% | 5,330 |
| Noninterest income to average assets | 0.4446% | 4,204 |
| Noninterest expense to average assets | 2.7920% | 3,699 |
| Loan and lease loss provision to assets | 0.0283% | 4,364 |
| Net operating income to assets | 0.3118% | 5,563 |
| Return on assets (ROA) | 0.3118% | 5,708 |
| Pretax return on assets | 0.5143% | 5,324 |
| Return on Equity (ROE) | 3.8989% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.8989% | 3,813 |
| Net charge-offs to loans | 0.0802% | 3,573 |
| Credit loss provision to net charge-offs | 52.6316% | 3,165 |
| Earnings coverage of net charge-offs (x) | 10.1053% | 2,191 |
| Efficiency ratio | 83.7288% | 1,665 |
| Assets per employee ($millions) | 5.2666% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 6,133 |
| Loan loss allowance to noncurrent loans | 105.6373% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 4,832 |
| Noncurrent loans to loans | 0.8500% | 4,224 |
| Net loans and leases to total assets | 66.0893% | 2,573 |
| Net loans and leases to deposits | 72.9107% | 3,316 |
| Net loans and leases to core deposits | 81.5840% | 2,842 |
| Total domestic deposits to total assets | 90.6441% | 682 |
| Equity capital to assets | 7.8609% | 6,290 |
| Core capital (leverage) ratio | 8.0245% | 6,172 |
| Tier 1 risk-based capital ratio | 14.2050% | 4,285 |
| Total risk-based capital ratio | 15.2779% | 4,364 |
| Memoranda: | ||
| Average total assets | $212,318,670 | 2,934 |
| Average earning assets | $199,183,000 | 2,880 |
| Average equity | $16,979,330 | 3,624 |
| Average total loans | $142,137,670 | 2,683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 5,121 |
| Cost of funding earning assets | 0.5985% | 3,122 |
| Net interest margin | 3.1142% | 5,212 |
| Noninterest income to average assets | 0.4959% | 3,796 |
| Noninterest expense to average assets | 2.6925% | 4,098 |
| Loan and lease loss provision to assets | 0.0285% | 4,102 |
| Net operating income to assets | 0.4161% | 5,063 |
| Return on assets (ROA) | 0.4161% | 5,214 |
| Pretax return on assets | 0.6916% | 4,609 |
| Return on Equity (ROE) | 5.1584% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.1584% | 3,138 |
| Net charge-offs to loans | 0.1615% | 2,433 |
| Credit loss provision to net charge-offs | 26.3158% | 2,941 |
| Earnings coverage of net charge-offs (x) | 6.6491% | 2,188 |
| Efficiency ratio | 78.8976% | 2,478 |
| Assets per employee ($millions) | 5.4932% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 6,258 |
| Loan loss allowance to noncurrent loans | 97.3343% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 4,644 |
| Noncurrent loans to loans | 0.9253% | 4,284 |
| Net loans and leases to total assets | 65.6393% | 2,437 |
| Net loans and leases to deposits | 73.3543% | 3,004 |
| Net loans and leases to core deposits | 81.7650% | 2,605 |
| Total domestic deposits to total assets | 89.4825% | 1,366 |
| Equity capital to assets | 7.9661% | 6,395 |
| Core capital (leverage) ratio | 8.1836% | 5,944 |
| Tier 1 risk-based capital ratio | 13.8176% | 4,639 |
| Total risk-based capital ratio | 14.8559% | 4,756 |
| Memoranda: | ||
| Average total assets | $210,513,500 | 2,976 |
| Average earning assets | $197,160,500 | 2,931 |
| Average equity | $16,982,000 | 3,677 |
| Average total loans | $141,207,000 | 2,706 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 5,947 |
| Cost of funding earning assets | 0.6985% | 3,507 |
| Net interest margin | 3.0518% | 5,927 |
| Noninterest income to average assets | 0.3894% | 4,687 |
| Noninterest expense to average assets | 2.7385% | 4,257 |
| Loan and lease loss provision to assets | 0.1065% | 4,303 |
| Net operating income to assets | 0.2697% | 5,573 |
| Return on assets (ROA) | 0.2739% | 5,772 |
| Pretax return on assets | 0.4086% | 5,553 |
| Return on Equity (ROE) | 3.4240% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.4240% | 3,817 |
| Net charge-offs to loans | 0.1916% | 3,843 |
| Credit loss provision to net charge-offs | 88.4462% | 3,537 |
| Earnings coverage of net charge-offs (x) | 4.2271% | 3,434 |
| Efficiency ratio | 84.3302% | 1,589 |
| Assets per employee ($millions) | 5.1699% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,162 |
| Loan loss allowance to noncurrent loans | 59.7015% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 3,892 |
| Noncurrent loans to loans | 1.5735% | 3,259 |
| Net loans and leases to total assets | 67.3109% | 2,315 |
| Net loans and leases to deposits | 75.2170% | 2,920 |
| Net loans and leases to core deposits | 84.0798% | 2,536 |
| Total domestic deposits to total assets | 89.4891% | 1,249 |
| Equity capital to assets | 8.1714% | 6,305 |
| Core capital (leverage) ratio | 8.0965% | 6,093 |
| Tier 1 risk-based capital ratio | 14.0016% | 4,386 |
| Total risk-based capital ratio | 15.1025% | 4,448 |
| Memoranda: | ||
| Average total assets | $208,508,000 | 2,943 |
| Average earning assets | $195,262,800 | 2,895 |
| Average equity | $16,676,200 | 3,677 |
| Average total loans | $131,026,000 | 2,867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 6,175 |
| Cost of funding earning assets | 0.7192% | 3,601 |
| Net interest margin | 3.0091% | 6,153 |
| Noninterest income to average assets | 0.3988% | 4,644 |
| Noninterest expense to average assets | 2.6744% | 4,480 |
| Loan and lease loss provision to assets | 0.0638% | 4,912 |
| Net operating income to assets | 0.3119% | 5,574 |
| Return on assets (ROA) | 0.3127% | 5,776 |
| Pretax return on assets | 0.4812% | 5,515 |
| Return on Equity (ROE) | 3.9307% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.9307% | 4,118 |
| Net charge-offs to loans | 0.2394% | 3,286 |
| Credit loss provision to net charge-offs | 43.2900% | 4,544 |
| Earnings coverage of net charge-offs (x) | 3.6883% | 3,553 |
| Efficiency ratio | 83.1053% | 1,690 |
| Assets per employee ($millions) | 5.3243% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 6,336 |
| Loan loss allowance to noncurrent loans | 62.8807% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9328% | 4,419 |
| Noncurrent loans to loans | 1.4577% | 3,612 |
| Net loans and leases to total assets | 63.4087% | 3,137 |
| Net loans and leases to deposits | 71.0212% | 3,746 |
| Net loans and leases to core deposits | 79.6009% | 3,257 |
| Total domestic deposits to total assets | 89.2814% | 1,252 |
| Equity capital to assets | 8.1585% | 6,511 |
| Core capital (leverage) ratio | 7.9856% | 6,340 |
| Tier 1 risk-based capital ratio | 14.4497% | 4,221 |
| Total risk-based capital ratio | 15.5031% | 4,318 |
| Memoranda: | ||
| Average total assets | $208,936,500 | 2,970 |
| Average earning assets | $195,758,500 | 2,916 |
| Average equity | $16,620,750 | 3,715 |
| Average total loans | $128,653,750 | 2,946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 6,335 |
| Cost of funding earning assets | 0.7477% | 3,618 |
| Net interest margin | 2.9530% | 6,332 |
| Noninterest income to average assets | 0.4012% | 4,641 |
| Noninterest expense to average assets | 2.6967% | 4,443 |
| Loan and lease loss provision to assets | 0.0955% | 4,349 |
| Net operating income to assets | 0.2407% | 5,792 |
| Return on assets (ROA) | 0.2407% | 5,978 |
| Pretax return on assets | 0.3745% | 5,768 |
| Return on Equity (ROE) | 3.0520% | 5,675 |
| Retained earnings to average equity (ytd only) | 3.0520% | 4,612 |
| Net charge-offs to loans | 0.3631% | 2,558 |
| Credit loss provision to net charge-offs | 43.2900% | 4,187 |
| Earnings coverage of net charge-offs (x) | 2.1299% | 3,921 |
| Efficiency ratio | 85.1584% | 1,515 |
| Assets per employee ($millions) | 5.2354% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,279 |
| Loan loss allowance to noncurrent loans | 61.5462% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 4,100 |
| Noncurrent loans to loans | 1.5690% | 3,556 |
| Net loans and leases to total assets | 59.6485% | 3,889 |
| Net loans and leases to deposits | 66.6601% | 4,425 |
| Net loans and leases to core deposits | 74.4491% | 3,959 |
| Total domestic deposits to total assets | 89.4817% | 1,231 |
| Equity capital to assets | 7.9321% | 6,612 |
| Core capital (leverage) ratio | 7.8761% | 6,388 |
| Tier 1 risk-based capital ratio | 14.5062% | 4,101 |
| Total risk-based capital ratio | 15.5790% | 4,185 |
| Memoranda: | ||
| Average total assets | $209,366,000 | 2,973 |
| Average earning assets | $196,071,670 | 2,920 |
| Average equity | $16,514,000 | 3,726 |
| Average total loans | $127,243,330 | 2,977 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 6,223 |
| Cost of funding earning assets | 0.7963% | 3,504 |
| Net interest margin | 3.0136% | 6,265 |
| Noninterest income to average assets | 0.4490% | 4,295 |
| Noninterest expense to average assets | 2.6139% | 4,766 |
| Loan and lease loss provision to assets | 0.1433% | 3,566 |
| Net operating income to assets | 0.3191% | 5,594 |
| Return on assets (ROA) | 0.3191% | 5,758 |
| Pretax return on assets | 0.5121% | 5,392 |
| Return on Equity (ROE) | 4.0570% | 5,269 |
| Retained earnings to average equity (ytd only) | 4.0570% | 4,156 |
| Net charge-offs to loans | 0.3975% | 2,109 |
| Credit loss provision to net charge-offs | 59.0551% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.7008% | 3,097 |
| Efficiency ratio | 79.9532% | 2,215 |
| Assets per employee ($millions) | 5.4177% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 6,075 |
| Loan loss allowance to noncurrent loans | 59.7145% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 4,218 |
| Noncurrent loans to loans | 1.7586% | 3,474 |
| Net loans and leases to total assets | 57.8414% | 4,060 |
| Net loans and leases to deposits | 64.8001% | 4,512 |
| Net loans and leases to core deposits | 72.7086% | 4,056 |
| Total domestic deposits to total assets | 89.2612% | 1,510 |
| Equity capital to assets | 7.8295% | 6,624 |
| Core capital (leverage) ratio | 7.8403% | 6,384 |
| Tier 1 risk-based capital ratio | 14.6875% | 3,961 |
| Total risk-based capital ratio | 15.8501% | 3,981 |
| Memoranda: | ||
| Average total assets | $209,341,500 | 2,993 |
| Average earning assets | $195,912,500 | 2,953 |
| Average equity | $16,465,500 | 3,737 |
| Average total loans | $127,799,500 | 2,982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 5,683 |
| Cost of funding earning assets | 0.9588% | 3,657 |
| Net interest margin | 3.3647% | 5,599 |
| Noninterest income to average assets | 0.3967% | 4,644 |
| Noninterest expense to average assets | 2.7057% | 4,720 |
| Loan and lease loss provision to assets | 0.3285% | 3,058 |
| Net operating income to assets | 0.3474% | 5,080 |
| Return on assets (ROA) | 0.3474% | 5,238 |
| Pretax return on assets | 0.5152% | 4,946 |
| Return on Equity (ROE) | 4.3383% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.3383% | 3,094 |
| Net charge-offs to loans | 0.5044% | 2,977 |
| Credit loss provision to net charge-offs | 98.6547% | 3,639 |
| Earnings coverage of net charge-offs (x) | 2.5336% | 3,946 |
| Efficiency ratio | 76.2305% | 2,852 |
| Assets per employee ($millions) | 5.6052% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,112 |
| Loan loss allowance to noncurrent loans | 51.1178% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 3,776 |
| Noncurrent loans to loans | 1.9979% | 3,208 |
| Net loans and leases to total assets | 63.0397% | 3,393 |
| Net loans and leases to deposits | 70.6729% | 3,995 |
| Net loans and leases to core deposits | 78.6434% | 3,611 |
| Total domestic deposits to total assets | 89.1992% | 1,422 |
| Equity capital to assets | 7.9019% | 6,632 |
| Core capital (leverage) ratio | 8.0791% | 6,164 |
| Tier 1 risk-based capital ratio | 13.6262% | 4,607 |
| Total risk-based capital ratio | 14.7597% | 4,652 |
| Memoranda: | ||
| Average total assets | $200,911,000 | 3,047 |
| Average earning assets | $188,247,000 | 2,986 |
| Average equity | $16,089,200 | 3,711 |
| Average total loans | $132,625,800 | 2,942 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 5,617 |
| Cost of funding earning assets | 0.9869% | 3,775 |
| Net interest margin | 3.4086% | 5,545 |
| Noninterest income to average assets | 0.3787% | 4,826 |
| Noninterest expense to average assets | 2.6788% | 4,808 |
| Loan and lease loss provision to assets | 0.2074% | 3,943 |
| Net operating income to assets | 0.4155% | 4,927 |
| Return on assets (ROA) | 0.4155% | 5,120 |
| Pretax return on assets | 0.6904% | 4,514 |
| Return on Equity (ROE) | 5.1702% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.1702% | 3,082 |
| Net charge-offs to loans | 0.3505% | 3,342 |
| Credit loss provision to net charge-offs | 88.8252% | 3,809 |
| Earnings coverage of net charge-offs (x) | 3.8453% | 3,277 |
| Efficiency ratio | 74.8971% | 3,023 |
| Assets per employee ($millions) | 5.9323% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,209 |
| Loan loss allowance to noncurrent loans | 82.7997% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 5,192 |
| Noncurrent loans to loans | 1.2225% | 4,505 |
| Net loans and leases to total assets | 63.9494% | 3,316 |
| Net loans and leases to deposits | 72.0827% | 3,977 |
| Net loans and leases to core deposits | 78.0345% | 3,908 |
| Total domestic deposits to total assets | 88.7167% | 1,611 |
| Equity capital to assets | 8.1082% | 6,632 |
| Core capital (leverage) ratio | 8.1405% | 6,229 |
| Tier 1 risk-based capital ratio | 13.9988% | 4,352 |
| Total risk-based capital ratio | 15.1428% | 4,384 |
| Memoranda: | ||
| Average total assets | $199,290,500 | 3,083 |
| Average earning assets | $186,975,500 | 3,012 |
| Average equity | $16,014,500 | 3,735 |
| Average total loans | $132,760,000 | 2,960 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 5,573 |
| Cost of funding earning assets | 1.0414% | 3,660 |
| Net interest margin | 3.3930% | 5,576 |
| Noninterest income to average assets | 0.3648% | 4,958 |
| Noninterest expense to average assets | 2.7558% | 4,607 |
| Loan and lease loss provision to assets | 0.1511% | 4,419 |
| Net operating income to assets | 0.3738% | 5,063 |
| Return on assets (ROA) | 0.3738% | 5,209 |
| Pretax return on assets | 0.6388% | 4,621 |
| Return on Equity (ROE) | 4.6663% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.6663% | 3,213 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7209% | 2,756 |
| Assets per employee ($millions) | 5.1160% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,798 |
| Loan loss allowance to noncurrent loans | 93.6646% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 5,269 |
| Noncurrent loans to loans | 1.2165% | 4,631 |
| Net loans and leases to total assets | 65.5752% | 3,121 |
| Net loans and leases to deposits | 73.8803% | 3,820 |
| Net loans and leases to core deposits | 80.0283% | 3,784 |
| Total domestic deposits to total assets | 88.7588% | 1,692 |
| Equity capital to assets | 8.0812% | 6,614 |
| Core capital (leverage) ratio | 7.8918% | 6,421 |
| Tier 1 risk-based capital ratio | 13.4648% | 4,558 |
| Total risk-based capital ratio | 14.7156% | 4,535 |
| Memoranda: | ||
| Average total assets | $198,488,330 | 3,115 |
| Average earning assets | $186,089,330 | 3,047 |
| Average equity | $15,901,330 | 3,748 |
| Average total loans | $133,579,000 | 2,971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 5,467 |
| Cost of funding earning assets | 1.0855% | 3,615 |
| Net interest margin | 3.3794% | 5,505 |
| Noninterest income to average assets | 0.3758% | 4,907 |
| Noninterest expense to average assets | 2.7762% | 4,541 |
| Loan and lease loss provision to assets | 0.1515% | 4,131 |
| Net operating income to assets | 0.3495% | 5,176 |
| Return on assets (ROA) | 0.3495% | 5,257 |
| Pretax return on assets | 0.6183% | 4,615 |
| Return on Equity (ROE) | 4.3825% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.3825% | 3,543 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2906% | 2,801 |
| Assets per employee ($millions) | 5.2659% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 6,133 |
| Loan loss allowance to noncurrent loans | 66.1894% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 4,761 |
| Noncurrent loans to loans | 1.6253% | 4,043 |
| Net loans and leases to total assets | 65.8533% | 3,053 |
| Net loans and leases to deposits | 74.0621% | 3,753 |
| Net loans and leases to core deposits | 80.1844% | 3,724 |
| Total domestic deposits to total assets | 88.9163% | 1,821 |
| Equity capital to assets | 7.9159% | 6,578 |
| Core capital (leverage) ratio | 7.9461% | 6,310 |
| Tier 1 risk-based capital ratio | 13.3855% | 4,513 |
| Total risk-based capital ratio | 14.6079% | 4,517 |
| Memoranda: | ||
| Average total assets | $197,970,000 | 3,143 |
| Average earning assets | $185,715,000 | 3,072 |
| Average equity | $15,790,000 | 3,753 |
| Average total loans | $134,195,000 | 3,003 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 4,362 |
| Cost of funding earning assets | 1.3445% | 3,615 |
| Net interest margin | 3.6968% | 4,357 |
| Noninterest income to average assets | 0.4436% | 4,573 |
| Noninterest expense to average assets | 2.9283% | 4,116 |
| Loan and lease loss provision to assets | 0.1859% | 5,372 |
| Net operating income to assets | 0.4998% | 4,098 |
| Return on assets (ROA) | 0.4998% | 4,259 |
| Pretax return on assets | 0.7775% | 3,703 |
| Return on Equity (ROE) | 6.0481% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.0481% | 1,787 |
| Net charge-offs to loans | 0.2881% | 4,579 |
| Credit loss provision to net charge-offs | 89.1192% | 5,164 |
| Earnings coverage of net charge-offs (x) | 4.6192% | 2,861 |
| Efficiency ratio | 75.2464% | 3,155 |
| Assets per employee ($millions) | 4.7765% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,367 |
| Loan loss allowance to noncurrent loans | 74.4518% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 5,149 |
| Noncurrent loans to loans | 1.3493% | 4,459 |
| Net loans and leases to total assets | 68.3347% | 2,900 |
| Net loans and leases to deposits | 77.1298% | 3,651 |
| Net loans and leases to core deposits | 83.2788% | 3,705 |
| Total domestic deposits to total assets | 88.5971% | 1,896 |
| Equity capital to assets | 8.0373% | 6,458 |
| Core capital (leverage) ratio | 8.0602% | 6,095 |
| Tier 1 risk-based capital ratio | 13.2232% | 4,438 |
| Total risk-based capital ratio | 14.3803% | 4,460 |
| Memoranda: | ||
| Average total assets | $185,087,200 | 3,295 |
| Average earning assets | $172,635,200 | 3,232 |
| Average equity | $15,294,000 | 3,887 |
| Average total loans | $133,976,400 | 3,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 4,343 |
| Cost of funding earning assets | 1.4085% | 3,531 |
| Net interest margin | 3.6872% | 4,473 |
| Noninterest income to average assets | 0.4123% | 4,860 |
| Noninterest expense to average assets | 2.9261% | 3,996 |
| Loan and lease loss provision to assets | 0.1725% | 5,317 |
| Net operating income to assets | 0.4452% | 4,564 |
| Return on assets (ROA) | 0.4452% | 4,753 |
| Pretax return on assets | 0.7485% | 4,087 |
| Return on Equity (ROE) | 5.3481% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.3481% | 2,738 |
| Net charge-offs to loans | 0.2843% | 4,240 |
| Credit loss provision to net charge-offs | 82.8070% | 5,047 |
| Earnings coverage of net charge-offs (x) | 4.4211% | 3,059 |
| Efficiency ratio | 76.0593% | 2,940 |
| Assets per employee ($millions) | 4.8009% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,348 |
| Loan loss allowance to noncurrent loans | 67.1471% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 4,712 |
| Noncurrent loans to loans | 1.5042% | 4,381 |
| Net loans and leases to total assets | 68.9477% | 3,004 |
| Net loans and leases to deposits | 77.9977% | 3,826 |
| Net loans and leases to core deposits | 85.0609% | 3,786 |
| Total domestic deposits to total assets | 88.3970% | 1,728 |
| Equity capital to assets | 8.0646% | 6,745 |
| Core capital (leverage) ratio | 8.0564% | 6,268 |
| Tier 1 risk-based capital ratio | 13.1129% | 4,490 |
| Total risk-based capital ratio | 14.2782% | 4,534 |
| Memoranda: | ||
| Average total assets | $182,400,000 | 3,390 |
| Average earning assets | $169,914,750 | 3,325 |
| Average equity | $15,182,500 | 3,956 |
| Average total loans | $133,675,000 | 3,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 3,968 |
| Cost of funding earning assets | 1.4852% | 3,338 |
| Net interest margin | 3.7136% | 4,301 |
| Noninterest income to average assets | 0.4107% | 4,824 |
| Noninterest expense to average assets | 2.9265% | 3,973 |
| Loan and lease loss provision to assets | 0.1674% | 5,204 |
| Net operating income to assets | 0.4453% | 4,569 |
| Return on assets (ROA) | 0.4453% | 4,718 |
| Pretax return on assets | 0.7690% | 3,988 |
| Return on Equity (ROE) | 5.2914% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.2914% | 2,728 |
| Net charge-offs to loans | 0.1092% | 5,068 |
| Credit loss provision to net charge-offs | 205.4795% | 1,896 |
| Earnings coverage of net charge-offs (x) | 11.4932% | 1,761 |
| Efficiency ratio | 75.7585% | 3,114 |
| Assets per employee ($millions) | 4.8293% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,984 |
| Loan loss allowance to noncurrent loans | 58.1954% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.5628% | 4,116 |
| Noncurrent loans to loans | 1.8765% | 3,899 |
| Net loans and leases to total assets | 72.8967% | 2,190 |
| Net loans and leases to deposits | 82.6624% | 3,143 |
| Net loans and leases to core deposits | 90.2982% | 3,210 |
| Total domestic deposits to total assets | 88.1861% | 1,892 |
| Equity capital to assets | 8.3487% | 6,358 |
| Core capital (leverage) ratio | 8.1931% | 5,952 |
| Tier 1 risk-based capital ratio | 12.9174% | 4,515 |
| Total risk-based capital ratio | 14.1676% | 4,471 |
| Memoranda: | ||
| Average total assets | $179,187,670 | 3,450 |
| Average earning assets | $166,577,670 | 3,399 |
| Average equity | $15,081,000 | 3,983 |
| Average total loans | $133,648,000 | 3,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 3,774 |
| Cost of funding earning assets | 1.5303% | 3,374 |
| Net interest margin | 3.7223% | 4,138 |
| Noninterest income to average assets | 0.4158% | 4,768 |
| Noninterest expense to average assets | 2.9194% | 3,984 |
| Loan and lease loss provision to assets | 0.1695% | 4,832 |
| Net operating income to assets | 0.4474% | 4,624 |
| Return on assets (ROA) | 0.4474% | 4,754 |
| Pretax return on assets | 0.7841% | 3,936 |
| Return on Equity (ROE) | 5.2938% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.2938% | 2,989 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3792% | 3,337 |
| Assets per employee ($millions) | 4.6963% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 5,906 |
| Loan loss allowance to noncurrent loans | 43.2551% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.9108% | 3,618 |
| Noncurrent loans to loans | 2.5926% | 3,080 |
| Net loans and leases to total assets | 72.8747% | 2,237 |
| Net loans and leases to deposits | 84.2864% | 2,892 |
| Net loans and leases to core deposits | 91.7016% | 3,141 |
| Total domestic deposits to total assets | 86.4609% | 2,916 |
| Equity capital to assets | 8.4416% | 6,084 |
| Core capital (leverage) ratio | 8.3926% | 5,578 |
| Tier 1 risk-based capital ratio | 13.0625% | 4,290 |
| Total risk-based capital ratio | 14.3130% | 4,261 |
| Memoranda: | ||
| Average total assets | $177,025,000 | 3,543 |
| Average earning assets | $164,414,500 | 3,489 |
| Average equity | $14,961,000 | 4,025 |
| Average total loans | $132,846,000 | 3,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 4,231 |
| Cost of funding earning assets | 1.9624% | 3,139 |
| Net interest margin | 3.5217% | 4,864 |
| Noninterest income to average assets | 0.4569% | 4,746 |
| Noninterest expense to average assets | 3.2912% | 3,036 |
| Loan and lease loss provision to assets | 0.2732% | 5,224 |
| Net operating income to assets | 0.0989% | 5,217 |
| Return on assets (ROA) | 0.1052% | 5,244 |
| Pretax return on assets | 0.1779% | 5,054 |
| Return on Equity (ROE) | 1.2170% | 5,164 |
| Retained earnings to average equity (ytd only) | 1.2170% | 4,186 |
| Net charge-offs to loans | 0.4525% | 3,971 |
| Credit loss provision to net charge-offs | 77.3026% | 6,350 |
| Earnings coverage of net charge-offs (x) | 1.2484% | 4,877 |
| Efficiency ratio | 88.1794% | 1,866 |
| Assets per employee ($millions) | 5.1644% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 6,161 |
| Loan loss allowance to noncurrent loans | 44.2059% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.0599% | 3,316 |
| Noncurrent loans to loans | 2.3605% | 3,214 |
| Net loans and leases to total assets | 75.6107% | 1,899 |
| Net loans and leases to deposits | 87.9016% | 2,568 |
| Net loans and leases to core deposits | 115.2175% | 2,396 |
| Total domestic deposits to total assets | 86.0173% | 3,013 |
| Equity capital to assets | 8.4612% | 5,951 |
| Core capital (leverage) ratio | 8.3073% | 5,599 |
| Tier 1 risk-based capital ratio | 12.6033% | 4,439 |
| Total risk-based capital ratio | 13.8124% | 4,414 |
| Memoranda: | ||
| Average total assets | $172,037,000 | 3,575 |
| Average earning assets | $160,006,800 | 3,520 |
| Average equity | $14,873,200 | 4,085 |
| Average total loans | $134,370,200 | 3,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5494% | 4,164 |
| Cost of funding earning assets | 2.0451% | 3,140 |
| Net interest margin | 3.5044% | 4,847 |
| Noninterest income to average assets | 0.5033% | 4,456 |
| Noninterest expense to average assets | 3.2018% | 3,289 |
| Loan and lease loss provision to assets | 0.1870% | 5,506 |
| Net operating income to assets | 0.2220% | 5,084 |
| Return on assets (ROA) | 0.2220% | 5,165 |
| Pretax return on assets | 0.3771% | 4,858 |
| Return on Equity (ROE) | 2.5542% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.5542% | 3,889 |
| Net charge-offs to loans | 0.4543% | 3,415 |
| Credit loss provision to net charge-offs | 52.4017% | 6,278 |
| Earnings coverage of net charge-offs (x) | 1.5808% | 4,609 |
| Efficiency ratio | 85.0228% | 2,183 |
| Assets per employee ($millions) | 4.8325% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,328 |
| Loan loss allowance to noncurrent loans | 92.5666% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 4,863 |
| Noncurrent loans to loans | 1.0749% | 5,160 |
| Net loans and leases to total assets | 75.4953% | 2,100 |
| Net loans and leases to deposits | 87.9770% | 2,966 |
| Net loans and leases to core deposits | 116.2630% | 2,594 |
| Total domestic deposits to total assets | 85.8126% | 2,798 |
| Equity capital to assets | 8.6440% | 6,048 |
| Core capital (leverage) ratio | 8.3908% | 5,678 |
| Tier 1 risk-based capital ratio | 12.9575% | 4,221 |
| Total risk-based capital ratio | 14.1212% | 4,222 |
| Memoranda: | ||
| Average total assets | $171,149,000 | 3,609 |
| Average earning assets | $159,339,250 | 3,561 |
| Average equity | $14,877,250 | 4,120 |
| Average total loans | $134,421,750 | 3,218 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 4,169 |
| Cost of funding earning assets | 2.1140% | 3,204 |
| Net interest margin | 3.4657% | 4,947 |
| Noninterest income to average assets | 0.5464% | 4,059 |
| Noninterest expense to average assets | 3.2184% | 3,277 |
| Loan and lease loss provision to assets | 0.0705% | 6,492 |
| Net operating income to assets | 0.3043% | 4,880 |
| Return on assets (ROA) | 0.3043% | 4,992 |
| Pretax return on assets | 0.4841% | 4,673 |
| Return on Equity (ROE) | 3.4944% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.4944% | 3,363 |
| Net charge-offs to loans | 0.2311% | 4,051 |
| Credit loss provision to net charge-offs | 38.4615% | 5,922 |
| Earnings coverage of net charge-offs (x) | 3.0256% | 3,602 |
| Efficiency ratio | 85.3005% | 2,325 |
| Assets per employee ($millions) | 4.5643% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,742 |
| Loan loss allowance to noncurrent loans | 56.4384% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.7614% | 3,533 |
| Noncurrent loans to loans | 1.9109% | 3,656 |
| Net loans and leases to total assets | 76.2593% | 2,125 |
| Net loans and leases to deposits | 88.9238% | 3,007 |
| Net loans and leases to core deposits | 116.2550% | 2,689 |
| Total domestic deposits to total assets | 85.7580% | 2,901 |
| Equity capital to assets | 8.6125% | 5,878 |
| Core capital (leverage) ratio | 8.3539% | 5,703 |
| Tier 1 risk-based capital ratio | 12.7219% | 4,344 |
| Total risk-based capital ratio | 13.9715% | 4,258 |
| Memoranda: | ||
| Average total assets | $170,208,330 | 3,636 |
| Average earning assets | $158,468,330 | 3,591 |
| Average equity | $14,823,670 | 4,142 |
| Average total loans | $135,009,000 | 3,246 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7396% | 3,588 |
| Cost of funding earning assets | 2.1183% | 3,567 |
| Net interest margin | 3.6213% | 4,235 |
| Noninterest income to average assets | 0.4816% | 4,491 |
| Noninterest expense to average assets | 3.1674% | 3,126 |
| Loan and lease loss provision to assets | 0.0712% | 6,071 |
| Net operating income to assets | 0.4081% | 4,824 |
| Return on assets (ROA) | 0.4081% | 5,003 |
| Pretax return on assets | 0.6216% | 4,688 |
| Return on Equity (ROE) | 4.6592% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.6592% | 3,333 |
| Net charge-offs to loans | 0.4600% | 2,296 |
| Credit loss provision to net charge-offs | 19.2308% | 5,081 |
| Earnings coverage of net charge-offs (x) | 1.8718% | 3,792 |
| Efficiency ratio | 82.0529% | 2,524 |
| Assets per employee ($millions) | 4.4578% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,799 |
| Loan loss allowance to noncurrent loans | 92.4689% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3960% | 3,854 |
| Noncurrent loans to loans | 1.1382% | 4,716 |
| Net loans and leases to total assets | 76.3521% | 2,194 |
| Net loans and leases to deposits | 90.9559% | 2,784 |
| Net loans and leases to core deposits | 123.4281% | 2,122 |
| Total domestic deposits to total assets | 83.9441% | 3,741 |
| Equity capital to assets | 8.5307% | 6,027 |
| Core capital (leverage) ratio | 8.6775% | 5,191 |
| Tier 1 risk-based capital ratio | 12.3519% | 4,661 |
| Total risk-based capital ratio | 13.5564% | 4,618 |
| Memoranda: | ||
| Average total assets | $168,590,000 | 3,673 |
| Average earning assets | $157,293,000 | 3,623 |
| Average equity | $14,766,500 | 4,183 |
| Average total loans | $135,658,500 | 3,253 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2418% | 4,288 |
| Cost of funding earning assets | 2.3381% | 4,979 |
| Net interest margin | 3.9037% | 3,536 |
| Noninterest income to average assets | 0.3988% | 5,479 |
| Noninterest expense to average assets | 3.1998% | 3,335 |
| Loan and lease loss provision to assets | 0.1635% | 5,290 |
| Net operating income to assets | 0.4715% | 4,862 |
| Return on assets (ROA) | 0.4724% | 4,674 |
| Pretax return on assets | 0.6705% | 4,483 |
| Return on Equity (ROE) | 5.2871% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.2871% | 1,870 |
| Net charge-offs to loans | 0.2283% | 3,957 |
| Credit loss provision to net charge-offs | 86.0927% | 5,759 |
| Earnings coverage of net charge-offs (x) | 4.3841% | 4,001 |
| Efficiency ratio | 79.3480% | 2,698 |
| Assets per employee ($millions) | 4.1878% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,119 |
| Loan loss allowance to noncurrent loans | 59.4281% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.5846% | 3,068 |
| Noncurrent loans to loans | 1.8868% | 2,928 |
| Net loans and leases to total assets | 83.0400% | 1,038 |
| Net loans and leases to deposits | 101.0167% | 1,703 |
| Net loans and leases to core deposits | 132.4955% | 1,689 |
| Total domestic deposits to total assets | 82.2042% | 4,121 |
| Equity capital to assets | 9.0017% | 5,364 |
| Core capital (leverage) ratio | 8.9085% | 4,874 |
| Tier 1 risk-based capital ratio | 12.5555% | 4,403 |
| Total risk-based capital ratio | 13.8071% | 4,305 |
| Memoranda: | ||
| Average total assets | $158,980,200 | 3,735 |
| Average earning assets | $147,986,200 | 3,692 |
| Average equity | $14,204,400 | 4,291 |
| Average total loans | $132,281,800 | 3,233 |