Home > Community Commerce Bank > Performance and Condition Ratios
Community Commerce 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 | 6.1797% | 509 |
| Cost of funding earning assets | 2.8665% | 185 |
| Net interest margin | 3.3132% | 2,600 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.2362% | 3,027 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.7677% | 2,987 |
| Return on assets (ROA) | 0.7677% | 2,963 |
| Pretax return on assets | 1.0341% | 2,576 |
| Return on Equity (ROE) | 4.6500% | 3,785 |
| Retained earnings to average equity (ytd only) | 2.5872% | 3,415 |
| Net charge-offs to loans | -0.0060% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.4811% | 1,960 |
| Assets per employee ($millions) | 8.4002% | 1,226 |
| Cash dividends to net income (ytd only)* | 44.3507% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,270 |
| Loan loss allowance to noncurrent loans | 48,542.8571% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 720 |
| Noncurrent loans to loans | 0.0025% | 3,784 |
| Net loans and leases to total assets | 73.6800% | 1,401 |
| Net loans and leases to deposits | 101.1593% | 473 |
| Net loans and leases to core deposits | 157.9399% | 163 |
| Total domestic deposits to total assets | 72.8400% | 4,175 |
| Equity capital to assets | 15.6741% | 492 |
| Core capital (leverage) ratio | 15.7786% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5656% | 643 |
| Memoranda: | ||
| Average total assets | $355,108,000 | 2,175 |
| Average earning assets | $318,577,800 | 2,213 |
| Average equity | $58,635,600 | 1,412 |
| Average total loans | $265,786,600 | 1,931 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 530 |
| Cost of funding earning assets | 2.6270% | 228 |
| Net interest margin | 3.3744% | 2,508 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1920% | 3,098 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.8373% | 2,910 |
| Return on assets (ROA) | 0.8373% | 2,886 |
| Pretax return on assets | 1.1319% | 2,478 |
| Return on Equity (ROE) | 5.0000% | 3,803 |
| Retained earnings to average equity (ytd only) | 2.9342% | 3,529 |
| Net charge-offs to loans | -0.0046% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.3151% | 2,096 |
| Assets per employee ($millions) | 8.3437% | 1,191 |
| Cash dividends to net income (ytd only)* | 41.3400% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,199 |
| Loan loss allowance to noncurrent loans | 3,398.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 750 |
| Noncurrent loans to loans | 0.0363% | 3,505 |
| Net loans and leases to total assets | 72.4900% | 1,515 |
| Net loans and leases to deposits | 97.9388% | 623 |
| Net loans and leases to core deposits | 156.2022% | 122 |
| Total domestic deposits to total assets | 74.0100% | 4,160 |
| Equity capital to assets | 15.7191% | 470 |
| Core capital (leverage) ratio | 16.0497% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0674% | 623 |
| Memoranda: | ||
| Average total assets | $349,382,250 | 2,201 |
| Average earning assets | $311,831,250 | 2,238 |
| Average equity | $58,482,000 | 1,409 |
| Average total loans | $261,752,000 | 1,956 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7904% | 562 |
| Cost of funding earning assets | 2.3134% | 269 |
| Net interest margin | 3.4770% | 2,323 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.2302% | 2,991 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8172% | 3,031 |
| Return on assets (ROA) | 0.8172% | 3,040 |
| Pretax return on assets | 1.1025% | 2,641 |
| Return on Equity (ROE) | 4.7800% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.6997% | 3,554 |
| Net charge-offs to loans | -0.0062% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6374% | 2,163 |
| Assets per employee ($millions) | 8.4849% | 1,104 |
| Cash dividends to net income (ytd only)* | 43.4626% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 1,746 |
| Loan loss allowance to noncurrent loans | 3,270.9091% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 642 |
| Noncurrent loans to loans | 0.0410% | 3,433 |
| Net loans and leases to total assets | 74.2500% | 1,255 |
| Net loans and leases to deposits | 106.1519% | 303 |
| Net loans and leases to core deposits | 165.6188% | 89 |
| Total domestic deposits to total assets | 69.9400% | 4,363 |
| Equity capital to assets | 16.4214% | 411 |
| Core capital (leverage) ratio | 16.9956% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4708% | 595 |
| Memoranda: | ||
| Average total assets | $340,687,667 | 2,237 |
| Average earning assets | $303,710,333 | 2,289 |
| Average equity | $58,302,667 | 1,416 |
| Average total loans | $257,149,333 | 1,970 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 526 |
| Cost of funding earning assets | 2.0657% | 256 |
| Net interest margin | 3.5321% | 2,280 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1687% | 3,190 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8752% | 2,940 |
| Return on assets (ROA) | 0.8752% | 2,892 |
| Pretax return on assets | 1.1841% | 2,469 |
| Return on Equity (ROE) | 5.0100% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.9340% | 3,520 |
| Net charge-offs to loans | -0.0032% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0170% | 2,456 |
| Assets per employee ($millions) | 6.9768% | 1,995 |
| Cash dividends to net income (ytd only)* | 41.4835% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,550 |
| Loan loss allowance to noncurrent loans | 3,024.3697% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 551 |
| Noncurrent loans to loans | 0.0469% | 3,400 |
| Net loans and leases to total assets | 74.6700% | 1,119 |
| Net loans and leases to deposits | 103.7673% | 305 |
| Net loans and leases to core deposits | 163.8033% | 79 |
| Total domestic deposits to total assets | 71.9600% | 4,360 |
| Equity capital to assets | 17.2972% | 332 |
| Core capital (leverage) ratio | 17.3785% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4993% | 534 |
| Memoranda: | ||
| Average total assets | $332,733,000 | 2,302 |
| Average earning assets | $295,685,500 | 2,368 |
| Average equity | $58,078,000 | 1,431 |
| Average total loans | $251,629,500 | 2,019 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 339 |
| Cost of funding earning assets | 1.1024% | 107 |
| Net interest margin | 3.8342% | 1,093 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.5167% | 2,057 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.9227% | 2,875 |
| Return on assets (ROA) | 0.9227% | 2,819 |
| Pretax return on assets | 1.2107% | 2,403 |
| Return on Equity (ROE) | 5.1100% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.0113% | 3,715 |
| Net charge-offs to loans | 0.0026% | 2,414 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | 619.1667% | 278 |
| Efficiency ratio | 68.3480% | 1,919 |
| Assets per employee ($millions) | 6.4900% | 2,343 |
| Cash dividends to net income (ytd only)* | 41.1085% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,711 |
| Loan loss allowance to noncurrent loans | 2,199.2248% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 538 |
| Noncurrent loans to loans | 0.0517% | 3,388 |
| Net loans and leases to total assets | 74.5500% | 1,174 |
| Net loans and leases to deposits | 102.8686% | 341 |
| Net loans and leases to core deposits | 159.8014% | 72 |
| Total domestic deposits to total assets | 72.4700% | 4,414 |
| Equity capital to assets | 17.6361% | 314 |
| Core capital (leverage) ratio | 18.1657% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6098% | 507 |
| Memoranda: | ||
| Average total assets | $318,752,400 | 2,359 |
| Average earning assets | $283,739,200 | 2,424 |
| Average equity | $57,517,200 | 1,449 |
| Average total loans | $232,115,200 | 2,043 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 284 |
| Cost of funding earning assets | 0.9469% | 81 |
| Net interest margin | 3.8542% | 876 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.4910% | 2,042 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.9756% | 2,561 |
| Return on assets (ROA) | 0.9756% | 2,539 |
| Pretax return on assets | 1.2772% | 2,120 |
| Return on Equity (ROE) | 5.3700% | 3,909 |
| Retained earnings to average equity (ytd only) | 3.2644% | 3,708 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2367% | 2,129 |
| Assets per employee ($millions) | 6.7021% | 2,162 |
| Cash dividends to net income (ytd only)* | 39.2641% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,671 |
| Loan loss allowance to noncurrent loans | 2,041.0072% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 542 |
| Noncurrent loans to loans | 0.0576% | 3,468 |
| Net loans and leases to total assets | 74.1700% | 1,081 |
| Net loans and leases to deposits | 102.2830% | 296 |
| Net loans and leases to core deposits | 148.0735% | 73 |
| Total domestic deposits to total assets | 72.5200% | 4,500 |
| Equity capital to assets | 18.0430% | 272 |
| Core capital (leverage) ratio | 17.8594% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4765% | 466 |
| Memoranda: | ||
| Average total assets | $315,692,750 | 2,391 |
| Average earning assets | $281,902,000 | 2,451 |
| Average equity | $57,303,000 | 1,469 |
| Average total loans | $227,747,000 | 2,064 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 304 |
| Cost of funding earning assets | 0.8241% | 89 |
| Net interest margin | 3.7820% | 782 |
| Noninterest income to average assets | 0.2786% | 3,500 |
| Noninterest expense to average assets | 2.4923% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8907% | 2,620 |
| Return on assets (ROA) | 0.8907% | 2,594 |
| Pretax return on assets | 1.1540% | 2,230 |
| Return on Equity (ROE) | 4.8970% | 3,835 |
| Retained earnings to average equity (ytd only) | 2.7762% | 3,521 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3511% | 2,192 |
| Assets per employee ($millions) | 6.4549% | 2,345 |
| Cash dividends to net income (ytd only)* | 43.3071% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,106 |
| Loan loss allowance to noncurrent loans | 1,927.0968% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 535 |
| Noncurrent loans to loans | 0.0684% | 3,456 |
| Net loans and leases to total assets | 72.1874% | 1,086 |
| Net loans and leases to deposits | 100.5923% | 253 |
| Net loans and leases to core deposits | 136.1272% | 90 |
| Total domestic deposits to total assets | 71.7623% | 4,586 |
| Equity capital to assets | 18.5370% | 210 |
| Core capital (leverage) ratio | 18.4350% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7235% | 382 |
| Memoranda: | ||
| Average total assets | $313,689,333 | 2,419 |
| Average earning assets | $279,322,333 | 2,486 |
| Average equity | $57,055,667 | 1,501 |
| Average total loans | $223,178,333 | 2,092 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 240 |
| Cost of funding earning assets | 0.7713% | 104 |
| Net interest margin | 3.8722% | 538 |
| Noninterest income to average assets | 0.2560% | 3,609 |
| Noninterest expense to average assets | 2.4739% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9531% | 2,065 |
| Return on assets (ROA) | 0.9531% | 2,061 |
| Pretax return on assets | 1.2243% | 1,719 |
| Return on Equity (ROE) | 5.2896% | 3,544 |
| Retained earnings to average equity (ytd only) | 3.1653% | 3,205 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8951% | 2,650 |
| Assets per employee ($millions) | 6.5911% | 2,301 |
| Cash dividends to net income (ytd only)* | 40.1596% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,118 |
| Loan loss allowance to noncurrent loans | 1,260.3376% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 567 |
| Noncurrent loans to loans | 0.1070% | 3,304 |
| Net loans and leases to total assets | 69.0462% | 1,112 |
| Net loans and leases to deposits | 97.6203% | 244 |
| Net loans and leases to core deposits | 128.1687% | 99 |
| Total domestic deposits to total assets | 70.7294% | 4,649 |
| Equity capital to assets | 18.0455% | 226 |
| Core capital (leverage) ratio | 18.4408% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5413% | 352 |
| Memoranda: | ||
| Average total assets | $315,617,000 | 2,419 |
| Average earning assets | $280,565,000 | 2,499 |
| Average equity | $56,866,500 | 1,548 |
| Average total loans | $221,443,500 | 2,093 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 266 |
| Cost of funding earning assets | 0.8928% | 122 |
| Net interest margin | 4.0957% | 602 |
| Noninterest income to average assets | 0.2503% | 3,869 |
| Noninterest expense to average assets | 2.3270% | 2,722 |
| Loan and lease loss provision to assets | -0.0034% | 4,144 |
| Net operating income to assets | 1.1895% | 1,954 |
| Return on assets (ROA) | 1.1895% | 2,021 |
| Pretax return on assets | 1.6222% | 1,365 |
| Return on Equity (ROE) | 7.0403% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.8533% | 2,840 |
| Net charge-offs to loans | -0.0047% | 3,539 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9730% | 3,302 |
| Assets per employee ($millions) | 6.7064% | 2,151 |
| Cash dividends to net income (ytd only)* | 31.0637% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,144 |
| Loan loss allowance to noncurrent loans | 1,706.8571% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 632 |
| Noncurrent loans to loans | 0.0790% | 3,532 |
| Net loans and leases to total assets | 69.3111% | 1,121 |
| Net loans and leases to deposits | 98.1328% | 249 |
| Net loans and leases to core deposits | 124.9428% | 128 |
| Total domestic deposits to total assets | 70.6299% | 4,671 |
| Equity capital to assets | 17.9755% | 258 |
| Core capital (leverage) ratio | 17.7979% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8338% | 353 |
| Memoranda: | ||
| Average total assets | $327,203,600 | 2,307 |
| Average earning assets | $295,238,400 | 2,353 |
| Average equity | $55,281,800 | 1,626 |
| Average total loans | $235,907,800 | 2,014 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 322 |
| Cost of funding earning assets | 0.9157% | 133 |
| Net interest margin | 4.0532% | 711 |
| Noninterest income to average assets | 0.2447% | 3,928 |
| Noninterest expense to average assets | 2.3500% | 2,595 |
| Loan and lease loss provision to assets | 0.0003% | 2,960 |
| Net operating income to assets | 1.1617% | 2,319 |
| Return on assets (ROA) | 1.1617% | 2,381 |
| Pretax return on assets | 1.5546% | 1,837 |
| Return on Equity (ROE) | 6.9823% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.7811% | 3,298 |
| Net charge-offs to loans | 0.0006% | 2,437 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 3,851.0000% | 32 |
| Efficiency ratio | 60.1799% | 2,958 |
| Assets per employee ($millions) | 6.7566% | 2,047 |
| Cash dividends to net income (ytd only)* | 31.5259% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,486 |
| Loan loss allowance to noncurrent loans | 1,304.3668% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 758 |
| Noncurrent loans to loans | 0.0997% | 3,583 |
| Net loans and leases to total assets | 69.9028% | 1,083 |
| Net loans and leases to deposits | 97.7287% | 284 |
| Net loans and leases to core deposits | 124.1698% | 148 |
| Total domestic deposits to total assets | 71.5274% | 4,696 |
| Equity capital to assets | 17.2506% | 327 |
| Core capital (leverage) ratio | 16.9546% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3231% | 408 |
| Memoranda: | ||
| Average total assets | $330,204,000 | 2,317 |
| Average earning assets | $298,191,250 | 2,369 |
| Average equity | $54,937,500 | 1,656 |
| Average total loans | $239,520,500 | 2,026 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 388 |
| Cost of funding earning assets | 0.9470% | 144 |
| Net interest margin | 3.9789% | 854 |
| Noninterest income to average assets | 0.2216% | 4,079 |
| Noninterest expense to average assets | 2.3705% | 2,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0964% | 2,565 |
| Return on assets (ROA) | 1.0964% | 2,631 |
| Pretax return on assets | 1.4433% | 2,203 |
| Return on Equity (ROE) | 6.6702% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.4541% | 3,377 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1566% | 2,708 |
| Assets per employee ($millions) | 6.9602% | 1,837 |
| Cash dividends to net income (ytd only)* | 33.2235% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,723 |
| Loan loss allowance to noncurrent loans | 704.4811% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 814 |
| Noncurrent loans to loans | 0.1761% | 3,333 |
| Net loans and leases to total assets | 71.1669% | 1,057 |
| Net loans and leases to deposits | 102.1139% | 216 |
| Net loans and leases to core deposits | 130.1874% | 125 |
| Total domestic deposits to total assets | 69.6936% | 4,762 |
| Equity capital to assets | 16.5199% | 371 |
| Core capital (leverage) ratio | 16.6713% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8065% | 437 |
| Memoranda: | ||
| Average total assets | $332,165,667 | 2,292 |
| Average earning assets | $299,882,667 | 2,352 |
| Average equity | $54,601,000 | 1,654 |
| Average total loans | $242,795,667 | 2,010 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 297 |
| Cost of funding earning assets | 1.0210% | 121 |
| Net interest margin | 4.1187% | 704 |
| Noninterest income to average assets | 0.2198% | 4,068 |
| Noninterest expense to average assets | 2.4444% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1618% | 2,291 |
| Return on assets (ROA) | 1.1618% | 2,360 |
| Pretax return on assets | 1.5024% | 1,987 |
| Return on Equity (ROE) | 7.0858% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.8613% | 3,267 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9339% | 2,766 |
| Assets per employee ($millions) | 7.0716% | 1,751 |
| Cash dividends to net income (ytd only)* | 31.3929% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,696 |
| Loan loss allowance to noncurrent loans | 680.4100% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.9705% | 854 |
| Noncurrent loans to loans | 0.1828% | 3,450 |
| Net loans and leases to total assets | 72.8984% | 911 |
| Net loans and leases to deposits | 105.9182% | 173 |
| Net loans and leases to core deposits | 136.5586% | 102 |
| Total domestic deposits to total assets | 68.8251% | 4,789 |
| Equity capital to assets | 16.7959% | 330 |
| Core capital (leverage) ratio | 16.6103% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5852% | 431 |
| Memoranda: | ||
| Average total assets | $331,204,500 | 2,277 |
| Average earning assets | $299,705,000 | 2,334 |
| Average equity | $54,306,000 | 1,649 |
| Average total loans | $243,820,000 | 2,001 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 456 |
| Cost of funding earning assets | 1.5053% | 81 |
| Net interest margin | 3.5295% | 2,376 |
| Noninterest income to average assets | -0.0150% | 4,973 |
| Noninterest expense to average assets | 2.1507% | 3,819 |
| Loan and lease loss provision to assets | 0.3106% | 1,200 |
| Net operating income to assets | 0.5931% | 3,780 |
| Return on assets (ROA) | 0.5931% | 3,886 |
| Pretax return on assets | 0.7512% | 3,757 |
| Return on Equity (ROE) | 3.4643% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.2101% | 4,142 |
| Net charge-offs to loans | 0.1088% | 1,382 |
| Credit loss provision to net charge-offs | 384.5850% | 1,483 |
| Earnings coverage of net charge-offs (x) | 13.1462% | 2,295 |
| Efficiency ratio | 66.9482% | 2,372 |
| Assets per employee ($millions) | 7.4811% | 1,295 |
| Cash dividends to net income (ytd only)* | 65.0700% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,842 |
| Loan loss allowance to noncurrent loans | 638.2479% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 1,018 |
| Noncurrent loans to loans | 0.1912% | 3,527 |
| Net loans and leases to total assets | 71.8270% | 1,308 |
| Net loans and leases to deposits | 103.5989% | 266 |
| Net loans and leases to core deposits | 137.1027% | 143 |
| Total domestic deposits to total assets | 69.3318% | 4,791 |
| Equity capital to assets | 16.0530% | 423 |
| Core capital (leverage) ratio | 16.1169% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1398% | 428 |
| Memoranda: | ||
| Average total assets | $313,247,000 | 2,227 |
| Average earning assets | $286,445,400 | 2,251 |
| Average equity | $53,632,600 | 1,587 |
| Average total loans | $232,498,400 | 2,017 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 616 |
| Cost of funding earning assets | 1.6071% | 73 |
| Net interest margin | 3.3860% | 2,959 |
| Noninterest income to average assets | 0.1518% | 4,539 |
| Noninterest expense to average assets | 2.1774% | 3,735 |
| Loan and lease loss provision to assets | 0.3709% | 999 |
| Net operating income to assets | 0.5517% | 3,907 |
| Return on assets (ROA) | 0.5517% | 3,994 |
| Pretax return on assets | 0.7061% | 3,887 |
| Return on Equity (ROE) | 3.1682% | 4,354 |
| Retained earnings to average equity (ytd only) | 0.9091% | 4,283 |
| Net charge-offs to loans | 0.1517% | 965 |
| Credit loss provision to net charge-offs | 327.5862% | 1,677 |
| Earnings coverage of net charge-offs (x) | 9.5134% | 2,420 |
| Efficiency ratio | 66.9066% | 2,327 |
| Assets per employee ($millions) | 7.5189% | 1,200 |
| Cash dividends to net income (ytd only)* | 71.3050% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,061 |
| Loan loss allowance to noncurrent loans | 74.2027% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 911 |
| Noncurrent loans to loans | 1.5177% | 940 |
| Net loans and leases to total assets | 74.2643% | 1,342 |
| Net loans and leases to deposits | 123.4659% | 87 |
| Net loans and leases to core deposits | 147.7266% | 125 |
| Total domestic deposits to total assets | 60.1497% | 4,930 |
| Equity capital to assets | 15.8882% | 483 |
| Core capital (leverage) ratio | 17.4301% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9946% | 453 |
| Memoranda: | ||
| Average total assets | $307,396,750 | 2,234 |
| Average earning assets | $281,664,000 | 2,266 |
| Average equity | $53,530,250 | 1,579 |
| Average total loans | $229,425,250 | 2,038 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 879 |
| Cost of funding earning assets | 1.7485% | 61 |
| Net interest margin | 3.2204% | 3,610 |
| Noninterest income to average assets | 0.1562% | 4,512 |
| Noninterest expense to average assets | 2.2903% | 3,544 |
| Loan and lease loss provision to assets | 0.2127% | 1,949 |
| Net operating income to assets | 0.4665% | 4,093 |
| Return on assets (ROA) | 0.4665% | 4,160 |
| Pretax return on assets | 0.5992% | 4,065 |
| Return on Equity (ROE) | 2.5929% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.3293% | 4,239 |
| Net charge-offs to loans | -0.0027% | 3,869 |
| Credit loss provision to net charge-offs | -10,533.3333% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8281% | 1,480 |
| Assets per employee ($millions) | 7.5359% | 1,158 |
| Cash dividends to net income (ytd only)* | 87.3016% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,266 |
| Loan loss allowance to noncurrent loans | 62.4728% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2779% | 825 |
| Noncurrent loans to loans | 1.7026% | 850 |
| Net loans and leases to total assets | 74.2588% | 1,379 |
| Net loans and leases to deposits | 123.9138% | 75 |
| Net loans and leases to core deposits | 146.3431% | 125 |
| Total domestic deposits to total assets | 59.9278% | 4,958 |
| Equity capital to assets | 16.5042% | 413 |
| Core capital (leverage) ratio | 17.9378% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6660% | 418 |
| Memoranda: | ||
| Average total assets | $297,078,667 | 2,272 |
| Average earning assets | $271,769,667 | 2,296 |
| Average equity | $53,454,333 | 1,572 |
| Average total loans | $221,188,333 | 2,070 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 470 |
| Cost of funding earning assets | 1.8872% | 54 |
| Net interest margin | 3.4992% | 2,989 |
| Noninterest income to average assets | 0.1636% | 4,549 |
| Noninterest expense to average assets | 2.6291% | 2,895 |
| Loan and lease loss provision to assets | -0.0042% | 5,036 |
| Net operating income to assets | 0.5614% | 3,705 |
| Return on assets (ROA) | 0.5614% | 3,771 |
| Pretax return on assets | 0.7320% | 3,589 |
| Return on Equity (ROE) | 2.9790% | 4,223 |
| Retained earnings to average equity (ytd only) | 0.7185% | 3,815 |
| Net charge-offs to loans | -0.0057% | 3,900 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3193% | 1,302 |
| Assets per employee ($millions) | 6.8425% | 1,165 |
| Cash dividends to net income (ytd only)* | 75.8794% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,335 |
| Loan loss allowance to noncurrent loans | 337.8539% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 3,529 |
| Noncurrent loans to loans | 0.3178% | 3,356 |
| Net loans and leases to total assets | 72.6802% | 1,827 |
| Net loans and leases to deposits | 108.0749% | 227 |
| Net loans and leases to core deposits | 128.3139% | 294 |
| Total domestic deposits to total assets | 67.2499% | 4,942 |
| Equity capital to assets | 18.6120% | 316 |
| Core capital (leverage) ratio | 18.8375% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0345% | 441 |
| Memoranda: | ||
| Average total assets | $283,595,500 | 2,300 |
| Average earning assets | $258,801,500 | 2,327 |
| Average equity | $53,441,000 | 1,559 |
| Average total loans | $210,173,000 | 2,119 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 571 |
| Cost of funding earning assets | 2.0872% | 39 |
| Net interest margin | 3.4023% | 3,740 |
| Noninterest income to average assets | 0.1665% | 4,657 |
| Noninterest expense to average assets | 2.3012% | 3,944 |
| Loan and lease loss provision to assets | -0.0029% | 4,912 |
| Net operating income to assets | 0.7253% | 3,781 |
| Return on assets (ROA) | 0.7253% | 3,852 |
| Pretax return on assets | 0.9620% | 3,566 |
| Return on Equity (ROE) | 3.7279% | 4,527 |
| Retained earnings to average equity (ytd only) | 1.4436% | 4,226 |
| Net charge-offs to loans | -0.0645% | 4,872 |
| Credit loss provision to net charge-offs | 6.2500% | 3,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5829% | 2,088 |
| Assets per employee ($millions) | 6.8258% | 1,120 |
| Cash dividends to net income (ytd only)* | 61.2772% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,040 |
| Loan loss allowance to noncurrent loans | 326.6571% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,449 |
| Noncurrent loans to loans | 0.3317% | 3,252 |
| Net loans and leases to total assets | 73.9444% | 1,766 |
| Net loans and leases to deposits | 111.4000% | 163 |
| Net loans and leases to core deposits | 130.1378% | 278 |
| Total domestic deposits to total assets | 66.3774% | 5,021 |
| Equity capital to assets | 19.0860% | 293 |
| Core capital (leverage) ratio | 19.0971% | 271 |
| Tier 1 risk-based capital ratio | 24.1823% | 813 |
| Total risk-based capital ratio | 25.2087% | 810 |
| Memoranda: | ||
| Average total assets | $272,028,400 | 2,319 |
| Average earning assets | $247,362,400 | 2,354 |
| Average equity | $52,925,000 | 1,516 |
| Average total loans | $198,603,400 | 2,176 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4859% | 597 |
| Cost of funding earning assets | 2.1084% | 41 |
| Net interest margin | 3.3775% | 3,923 |
| Noninterest income to average assets | 0.1679% | 4,714 |
| Noninterest expense to average assets | 2.3411% | 3,845 |
| Loan and lease loss provision to assets | -0.0118% | 5,059 |
| Net operating income to assets | 0.6872% | 4,053 |
| Return on assets (ROA) | 0.6872% | 4,114 |
| Pretax return on assets | 0.9079% | 3,850 |
| Return on Equity (ROE) | 3.5149% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.2247% | 4,508 |
| Net charge-offs to loans | -0.0987% | 4,987 |
| Credit loss provision to net charge-offs | 16.5517% | 2,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3197% | 1,787 |
| Assets per employee ($millions) | 7.2831% | 915 |
| Cash dividends to net income (ytd only)* | 65.1580% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,941 |
| Loan loss allowance to noncurrent loans | 309.2769% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 3,497 |
| Noncurrent loans to loans | 0.3612% | 3,254 |
| Net loans and leases to total assets | 72.5148% | 2,079 |
| Net loans and leases to deposits | 109.6068% | 231 |
| Net loans and leases to core deposits | 128.8409% | 311 |
| Total domestic deposits to total assets | 66.1590% | 5,094 |
| Equity capital to assets | 19.1992% | 299 |
| Core capital (leverage) ratio | 19.1228% | 286 |
| Tier 1 risk-based capital ratio | 24.6851% | 789 |
| Total risk-based capital ratio | 25.7383% | 789 |
| Memoranda: | ||
| Average total assets | $270,070,750 | 2,348 |
| Average earning assets | $245,422,750 | 2,381 |
| Average equity | $52,802,750 | 1,526 |
| Average total loans | $195,952,500 | 2,216 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 712 |
| Cost of funding earning assets | 2.0865% | 39 |
| Net interest margin | 3.2827% | 4,176 |
| Noninterest income to average assets | 0.1680% | 4,745 |
| Noninterest expense to average assets | 2.3760% | 3,800 |
| Loan and lease loss provision to assets | 0.0918% | 2,018 |
| Net operating income to assets | 0.5272% | 4,467 |
| Return on assets (ROA) | 0.5272% | 4,498 |
| Pretax return on assets | 0.6817% | 4,374 |
| Return on Equity (ROE) | 2.6797% | 4,842 |
| Retained earnings to average equity (ytd only) | 0.3834% | 4,596 |
| Net charge-offs to loans | 0.0031% | 3,056 |
| Credit loss provision to net charge-offs | 4,100.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 345.3333% | 226 |
| Efficiency ratio | 75.4386% | 1,466 |
| Assets per employee ($millions) | 7.1104% | 952 |
| Cash dividends to net income (ytd only)* | 85.6941% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,900 |
| Loan loss allowance to noncurrent loans | 309.2769% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,509 |
| Noncurrent loans to loans | 0.3653% | 3,214 |
| Net loans and leases to total assets | 71.5450% | 2,275 |
| Net loans and leases to deposits | 107.9106% | 276 |
| Net loans and leases to core deposits | 126.2411% | 387 |
| Total domestic deposits to total assets | 66.3003% | 5,144 |
| Equity capital to assets | 19.0227% | 292 |
| Core capital (leverage) ratio | 19.3508% | 260 |
| Tier 1 risk-based capital ratio | 24.5763% | 799 |
| Total risk-based capital ratio | 25.6324% | 796 |
| Memoranda: | ||
| Average total assets | $267,842,330 | 2,368 |
| Average earning assets | $243,273,670 | 2,407 |
| Average equity | $52,692,000 | 1,522 |
| Average total loans | $193,618,000 | 2,237 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 699 |
| Cost of funding earning assets | 2.0584% | 42 |
| Net interest margin | 3.2871% | 4,194 |
| Noninterest income to average assets | 0.1703% | 4,719 |
| Noninterest expense to average assets | 2.4416% | 3,651 |
| Loan and lease loss provision to assets | 0.0684% | 2,297 |
| Net operating income to assets | 0.4986% | 4,529 |
| Return on assets (ROA) | 0.4986% | 4,548 |
| Pretax return on assets | 0.6416% | 4,436 |
| Return on Equity (ROE) | 2.4913% | 4,894 |
| Retained earnings to average equity (ytd only) | 0.1975% | 4,485 |
| Net charge-offs to loans | 0.0105% | 2,310 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 698 |
| Efficiency ratio | 77.4723% | 1,331 |
| Assets per employee ($millions) | 6.0635% | 1,500 |
| Cash dividends to net income (ytd only)* | 92.0732% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,004 |
| Loan loss allowance to noncurrent loans | 284.7656% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 3,450 |
| Noncurrent loans to loans | 0.3941% | 3,177 |
| Net loans and leases to total assets | 72.2291% | 2,114 |
| Net loans and leases to deposits | 111.4232% | 186 |
| Net loans and leases to core deposits | 130.2012% | 309 |
| Total domestic deposits to total assets | 64.8242% | 5,222 |
| Equity capital to assets | 19.7441% | 249 |
| Core capital (leverage) ratio | 19.8765% | 239 |
| Tier 1 risk-based capital ratio | 25.2431% | 745 |
| Total risk-based capital ratio | 26.2911% | 743 |
| Memoranda: | ||
| Average total assets | $263,111,000 | 2,418 |
| Average earning assets | $238,631,500 | 2,462 |
| Average equity | $52,662,500 | 1,506 |
| Average total loans | $190,094,500 | 2,283 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8525% | 218 |
| Cost of funding earning assets | 1.5545% | 68 |
| Net interest margin | 4.2980% | 1,160 |
| Noninterest income to average assets | 0.1940% | 4,745 |
| Noninterest expense to average assets | 2.6459% | 3,192 |
| Loan and lease loss provision to assets | -0.0583% | 5,218 |
| Net operating income to assets | 1.1816% | 2,261 |
| Return on assets (ROA) | 1.1816% | 2,254 |
| Pretax return on assets | 1.4564% | 1,924 |
| Return on Equity (ROE) | 5.2848% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.9486% | 3,927 |
| Net charge-offs to loans | 0.0059% | 3,493 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | 323.6000% | 313 |
| Efficiency ratio | 65.4274% | 2,966 |
| Assets per employee ($millions) | 6.4845% | 1,223 |
| Cash dividends to net income (ytd only)* | 44.2048% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,781 |
| Loan loss allowance to noncurrent loans | 265.2658% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,308 |
| Noncurrent loans to loans | 0.4365% | 2,972 |
| Net loans and leases to total assets | 70.6196% | 2,481 |
| Net loans and leases to deposits | 110.2303% | 250 |
| Net loans and leases to core deposits | 126.7431% | 381 |
| Total domestic deposits to total assets | 64.0655% | 5,276 |
| Equity capital to assets | 20.2768% | 220 |
| Core capital (leverage) ratio | 20.9976% | 197 |
| Tier 1 risk-based capital ratio | 25.9572% | 668 |
| Total risk-based capital ratio | 27.0164% | 672 |
| Memoranda: | ||
| Average total assets | $231,456,600 | 2,607 |
| Average earning assets | $207,331,000 | 2,660 |
| Average equity | $51,752,600 | 1,467 |
| Average total loans | $168,367,000 | 2,451 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8230% | 211 |
| Cost of funding earning assets | 1.4338% | 86 |
| Net interest margin | 4.3892% | 921 |
| Noninterest income to average assets | 0.1996% | 4,778 |
| Noninterest expense to average assets | 2.7144% | 2,937 |
| Loan and lease loss provision to assets | -0.0784% | 5,332 |
| Net operating income to assets | 1.1909% | 2,274 |
| Return on assets (ROA) | 1.1909% | 2,277 |
| Pretax return on assets | 1.4819% | 1,962 |
| Return on Equity (ROE) | 5.1866% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.8403% | 4,301 |
| Net charge-offs to loans | 0.0106% | 3,046 |
| Credit loss provision to net charge-offs | -1,015.3846% | 4,642 |
| Earnings coverage of net charge-offs (x) | 181.7998% | 474 |
| Efficiency ratio | 65.9166% | 2,883 |
| Assets per employee ($millions) | 6.1462% | 1,388 |
| Cash dividends to net income (ytd only)* | 45.2367% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,509 |
| Loan loss allowance to noncurrent loans | 208.0426% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 2,963 |
| Noncurrent loans to loans | 0.5863% | 2,621 |
| Net loans and leases to total assets | 72.5387% | 2,244 |
| Net loans and leases to deposits | 123.8777% | 75 |
| Net loans and leases to core deposits | 144.4201% | 181 |
| Total domestic deposits to total assets | 58.5567% | 5,403 |
| Equity capital to assets | 21.7642% | 170 |
| Core capital (leverage) ratio | 22.4055% | 156 |
| Tier 1 risk-based capital ratio | 27.3863% | 603 |
| Total risk-based capital ratio | 28.5134% | 604 |
| Memoranda: | ||
| Average total assets | $224,475,750 | 2,668 |
| Average earning assets | $200,397,250 | 2,733 |
| Average equity | $51,542,250 | 1,472 |
| Average total loans | $164,129,000 | 2,505 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7993% | 202 |
| Cost of funding earning assets | 1.3114% | 109 |
| Net interest margin | 4.4879% | 716 |
| Noninterest income to average assets | 0.1978% | 4,834 |
| Noninterest expense to average assets | 2.7839% | 2,708 |
| Loan and lease loss provision to assets | 0.0109% | 3,637 |
| Net operating income to assets | 1.1294% | 2,476 |
| Return on assets (ROA) | 1.1294% | 2,483 |
| Pretax return on assets | 1.3993% | 2,149 |
| Return on Equity (ROE) | 4.8273% | 4,598 |
| Retained earnings to average equity (ytd only) | 2.4701% | 4,275 |
| Net charge-offs to loans | 0.0150% | 2,644 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 128.9167% | 590 |
| Efficiency ratio | 66.3769% | 2,914 |
| Assets per employee ($millions) | 5.8530% | 1,598 |
| Cash dividends to net income (ytd only)* | 48.8297% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,946 |
| Loan loss allowance to noncurrent loans | 193.7447% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 2,735 |
| Noncurrent loans to loans | 0.6967% | 2,366 |
| Net loans and leases to total assets | 71.5529% | 2,348 |
| Net loans and leases to deposits | 122.7596% | 84 |
| Net loans and leases to core deposits | 144.4353% | 159 |
| Total domestic deposits to total assets | 58.2870% | 5,463 |
| Equity capital to assets | 22.0845% | 160 |
| Core capital (leverage) ratio | 23.2024% | 133 |
| Tier 1 risk-based capital ratio | 28.0245% | 557 |
| Total risk-based capital ratio | 29.2668% | 552 |
| Memoranda: | ||
| Average total assets | $219,400,670 | 2,736 |
| Average earning assets | $195,369,330 | 2,796 |
| Average equity | $51,333,330 | 1,479 |
| Average total loans | $160,164,330 | 2,547 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5480% | 254 |
| Cost of funding earning assets | 1.1913% | 145 |
| Net interest margin | 4.3567% | 844 |
| Noninterest income to average assets | 0.2037% | 4,808 |
| Noninterest expense to average assets | 2.8900% | 2,408 |
| Loan and lease loss provision to assets | 0.0302% | 3,109 |
| Net operating income to assets | 0.8678% | 3,424 |
| Return on assets (ROA) | 0.8678% | 3,439 |
| Pretax return on assets | 1.1469% | 2,980 |
| Return on Equity (ROE) | 3.5974% | 4,867 |
| Retained earnings to average equity (ytd only) | 1.2356% | 4,570 |
| Net charge-offs to loans | 0.0412% | 1,713 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,079 |
| Efficiency ratio | 71.0575% | 2,324 |
| Assets per employee ($millions) | 5.4931% | 1,950 |
| Cash dividends to net income (ytd only)* | 65.6522% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,672 |
| Loan loss allowance to noncurrent loans | 188.1773% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,618 |
| Noncurrent loans to loans | 0.7693% | 2,281 |
| Net loans and leases to total assets | 72.8368% | 2,046 |
| Net loans and leases to deposits | 123.5033% | 80 |
| Net loans and leases to core deposits | 145.0230% | 166 |
| Total domestic deposits to total assets | 58.9756% | 5,523 |
| Equity capital to assets | 23.9120% | 121 |
| Core capital (leverage) ratio | 24.2990% | 117 |
| Tier 1 risk-based capital ratio | 29.2655% | 504 |
| Total risk-based capital ratio | 30.5172% | 498 |
| Memoranda: | ||
| Average total assets | $212,041,500 | 2,817 |
| Average earning assets | $188,032,000 | 2,904 |
| Average equity | $51,148,000 | 1,502 |
| Average total loans | $155,341,000 | 2,623 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 128 |
| Cost of funding earning assets | 0.9729% | 252 |
| Net interest margin | 5.0642% | 211 |
| Noninterest income to average assets | 0.2494% | 4,644 |
| Noninterest expense to average assets | 3.0611% | 1,976 |
| Loan and lease loss provision to assets | -0.3918% | 5,630 |
| Net operating income to assets | 0.5951% | 4,031 |
| Return on assets (ROA) | 0.5951% | 4,073 |
| Pretax return on assets | 1.9916% | 501 |
| Return on Equity (ROE) | 2.2540% | 5,004 |
| Retained earnings to average equity (ytd only) | -0.0672% | 5,035 |
| Net charge-offs to loans | -0.0524% | 5,205 |
| Credit loss provision to net charge-offs | 1,058.9041% | 342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6770% | 3,318 |
| Assets per employee ($millions) | 5.2336% | 2,217 |
| Cash dividends to net income (ytd only)* | 102.9813% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,039 |
| Loan loss allowance to noncurrent loans | 168.4775% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 2,190 |
| Noncurrent loans to loans | 0.9787% | 1,810 |
| Net loans and leases to total assets | 71.5755% | 2,287 |
| Net loans and leases to deposits | 123.0650% | 81 |
| Net loans and leases to core deposits | 142.9652% | 186 |
| Total domestic deposits to total assets | 58.1607% | 5,596 |
| Equity capital to assets | 24.6804% | 104 |
| Core capital (leverage) ratio | 25.1622% | 96 |
| Tier 1 risk-based capital ratio | 30.2083% | 455 |
| Total risk-based capital ratio | 31.4612% | 451 |
| Memoranda: | ||
| Average total assets | $197,282,200 | 2,946 |
| Average earning assets | $171,852,000 | 3,049 |
| Average equity | $52,085,200 | 1,472 |
| Average total loans | $139,384,800 | 2,793 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1914% | 108 |
| Cost of funding earning assets | 0.9339% | 285 |
| Net interest margin | 5.2574% | 154 |
| Noninterest income to average assets | 0.2176% | 4,919 |
| Noninterest expense to average assets | 3.1303% | 1,720 |
| Loan and lease loss provision to assets | -0.4070% | 5,705 |
| Net operating income to assets | 1.4530% | 988 |
| Return on assets (ROA) | 1.4530% | 1,004 |
| Pretax return on assets | 2.0494% | 494 |
| Return on Equity (ROE) | 5.4083% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.0912% | 4,069 |
| Net charge-offs to loans | -0.0999% | 5,382 |
| Credit loss provision to net charge-offs | 581.3725% | 553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5882% | 3,279 |
| Assets per employee ($millions) | 5.5092% | 1,916 |
| Cash dividends to net income (ytd only)* | 42.8435% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 689 |
| Loan loss allowance to noncurrent loans | 193.1157% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 2,316 |
| Noncurrent loans to loans | 0.9877% | 1,955 |
| Net loans and leases to total assets | 68.6462% | 2,753 |
| Net loans and leases to deposits | 121.6425% | 80 |
| Net loans and leases to core deposits | 139.6413% | 205 |
| Total domestic deposits to total assets | 56.4327% | 5,669 |
| Equity capital to assets | 25.9575% | 90 |
| Core capital (leverage) ratio | 26.7548% | 84 |
| Tier 1 risk-based capital ratio | 33.0055% | 382 |
| Total risk-based capital ratio | 34.2629% | 373 |
| Memoranda: | ||
| Average total assets | $194,266,750 | 3,002 |
| Average earning assets | $168,316,000 | 3,122 |
| Average equity | $52,189,750 | 1,485 |
| Average total loans | $136,143,250 | 2,852 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8972% | 141 |
| Cost of funding earning assets | 0.8957% | 315 |
| Net interest margin | 5.0015% | 217 |
| Noninterest income to average assets | 0.2198% | 4,937 |
| Noninterest expense to average assets | 3.1966% | 1,590 |
| Loan and lease loss provision to assets | -0.3486% | 5,741 |
| Net operating income to assets | 1.1200% | 1,889 |
| Return on assets (ROA) | 1.1200% | 1,937 |
| Pretax return on assets | 1.6852% | 1,093 |
| Return on Equity (ROE) | 4.1194% | 4,796 |
| Retained earnings to average equity (ytd only) | 1.7941% | 4,535 |
| Net charge-offs to loans | -0.1075% | 5,432 |
| Credit loss provision to net charge-offs | 462.5000% | 701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5149% | 2,583 |
| Assets per employee ($millions) | 5.2537% | 2,107 |
| Cash dividends to net income (ytd only)* | 56.4486% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1497% | 464 |
| Loan loss allowance to noncurrent loans | 159.3413% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 1,847 |
| Noncurrent loans to loans | 1.3491% | 1,434 |
| Net loans and leases to total assets | 69.1015% | 2,649 |
| Net loans and leases to deposits | 126.4402% | 59 |
| Net loans and leases to core deposits | 144.5303% | 156 |
| Total domestic deposits to total assets | 54.6515% | 5,721 |
| Equity capital to assets | 26.8376% | 78 |
| Core capital (leverage) ratio | 26.8454% | 80 |
| Tier 1 risk-based capital ratio | 33.7632% | 339 |
| Total risk-based capital ratio | 35.0265% | 334 |
| Memoranda: | ||
| Average total assets | $191,075,330 | 3,048 |
| Average earning assets | $164,789,670 | 3,179 |
| Average equity | $51,949,000 | 1,496 |
| Average total loans | $133,974,330 | 2,886 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8764% | 141 |
| Cost of funding earning assets | 0.8580% | 363 |
| Net interest margin | 5.0183% | 220 |
| Noninterest income to average assets | 0.2175% | 4,970 |
| Noninterest expense to average assets | 3.2858% | 1,416 |
| Loan and lease loss provision to assets | -0.6546% | 5,841 |
| Net operating income to assets | 1.2121% | 1,478 |
| Return on assets (ROA) | 1.2121% | 1,514 |
| Pretax return on assets | 1.9090% | 614 |
| Return on Equity (ROE) | 4.4291% | 4,626 |
| Retained earnings to average equity (ytd only) | 2.0988% | 4,305 |
| Net charge-offs to loans | -0.1451% | 5,555 |
| Credit loss provision to net charge-offs | 645.8333% | 484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3721% | 2,509 |
| Assets per employee ($millions) | 5.0393% | 2,391 |
| Cash dividends to net income (ytd only)* | 52.6132% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 475 |
| Loan loss allowance to noncurrent loans | 152.9016% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 1,807 |
| Noncurrent loans to loans | 1.4413% | 1,398 |
| Net loans and leases to total assets | 68.3882% | 2,615 |
| Net loans and leases to deposits | 126.6085% | 48 |
| Net loans and leases to core deposits | 144.8993% | 132 |
| Total domestic deposits to total assets | 54.0155% | 5,796 |
| Equity capital to assets | 27.1417% | 77 |
| Core capital (leverage) ratio | 27.4310% | 72 |
| Tier 1 risk-based capital ratio | 34.0785% | 352 |
| Total risk-based capital ratio | 35.3418% | 343 |
| Memoranda: | ||
| Average total assets | $189,419,000 | 3,091 |
| Average earning assets | $163,161,500 | 3,228 |
| Average equity | $51,839,000 | 1,491 |
| Average total loans | $132,323,500 | 2,930 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1128% | 109 |
| Cost of funding earning assets | 0.8372% | 418 |
| Net interest margin | 5.2756% | 154 |
| Noninterest income to average assets | 0.3005% | 4,588 |
| Noninterest expense to average assets | 3.3285% | 1,518 |
| Loan and lease loss provision to assets | -0.2806% | 5,832 |
| Net operating income to assets | 1.1565% | 1,667 |
| Return on assets (ROA) | 1.1565% | 1,760 |
| Pretax return on assets | 1.8097% | 782 |
| Return on Equity (ROE) | 4.1842% | 4,774 |
| Retained earnings to average equity (ytd only) | 1.8324% | 4,485 |
| Net charge-offs to loans | -0.0295% | 5,240 |
| Credit loss provision to net charge-offs | 1,373.6842% | 295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5224% | 3,158 |
| Assets per employee ($millions) | 4.9203% | 2,486 |
| Cash dividends to net income (ytd only)* | 56.2064% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 329 |
| Loan loss allowance to noncurrent loans | 147.7461% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 1,572 |
| Noncurrent loans to loans | 1.6629% | 1,162 |
| Net loans and leases to total assets | 68.2045% | 2,740 |
| Net loans and leases to deposits | 128.1275% | 47 |
| Net loans and leases to core deposits | 144.8824% | 147 |
| Total domestic deposits to total assets | 53.2318% | 5,858 |
| Equity capital to assets | 27.7077% | 72 |
| Core capital (leverage) ratio | 27.2883% | 77 |
| Tier 1 risk-based capital ratio | 34.9674% | 320 |
| Total risk-based capital ratio | 36.2314% | 316 |
| Memoranda: | ||
| Average total assets | $185,999,000 | 3,101 |
| Average earning assets | $160,663,400 | 3,227 |
| Average equity | $51,407,600 | 1,485 |
| Average total loans | $128,824,000 | 2,937 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0567% | 112 |
| Cost of funding earning assets | 0.8323% | 424 |
| Net interest margin | 5.2245% | 164 |
| Noninterest income to average assets | 0.3251% | 4,454 |
| Noninterest expense to average assets | 3.3635% | 1,426 |
| Loan and lease loss provision to assets | -0.3510% | 5,923 |
| Net operating income to assets | 1.1671% | 1,738 |
| Return on assets (ROA) | 1.1671% | 1,846 |
| Pretax return on assets | 1.8275% | 847 |
| Return on Equity (ROE) | 4.2254% | 4,820 |
| Retained earnings to average equity (ytd only) | 1.8684% | 4,747 |
| Net charge-offs to loans | -0.0197% | 5,003 |
| Credit loss provision to net charge-offs | 2,573.6842% | 192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4943% | 2,969 |
| Assets per employee ($millions) | 5.2595% | 2,087 |
| Cash dividends to net income (ytd only)* | 55.7808% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4625% | 345 |
| Loan loss allowance to noncurrent loans | 89.4620% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 839 |
| Noncurrent loans to loans | 2.7525% | 593 |
| Net loans and leases to total assets | 67.4872% | 2,878 |
| Net loans and leases to deposits | 124.6316% | 75 |
| Net loans and leases to core deposits | 139.1389% | 206 |
| Total domestic deposits to total assets | 54.1494% | 5,918 |
| Equity capital to assets | 27.2429% | 75 |
| Core capital (leverage) ratio | 27.1709% | 74 |
| Tier 1 risk-based capital ratio | 33.9818% | 354 |
| Total risk-based capital ratio | 35.2465% | 352 |
| Memoranda: | ||
| Average total assets | $185,755,500 | 3,108 |
| Average earning assets | $160,522,500 | 3,245 |
| Average equity | $51,308,000 | 1,496 |
| Average total loans | $128,346,000 | 2,950 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0767% | 117 |
| Cost of funding earning assets | 0.8283% | 420 |
| Net interest margin | 5.2484% | 159 |
| Noninterest income to average assets | 0.3728% | 4,080 |
| Noninterest expense to average assets | 3.4016% | 1,371 |
| Loan and lease loss provision to assets | -0.2861% | 5,977 |
| Net operating income to assets | 1.1443% | 1,794 |
| Return on assets (ROA) | 1.1443% | 1,912 |
| Pretax return on assets | 1.7891% | 904 |
| Return on Equity (ROE) | 4.1237% | 4,863 |
| Retained earnings to average equity (ytd only) | 1.7611% | 4,678 |
| Net charge-offs to loans | -0.0063% | 4,578 |
| Credit loss provision to net charge-offs | 6,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3548% | 3,083 |
| Assets per employee ($millions) | 5.0511% | 2,252 |
| Cash dividends to net income (ytd only)* | 57.2917% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6608% | 294 |
| Loan loss allowance to noncurrent loans | 89.5958% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.0520% | 788 |
| Noncurrent loans to loans | 2.9697% | 508 |
| Net loans and leases to total assets | 67.2585% | 2,901 |
| Net loans and leases to deposits | 125.0970% | 66 |
| Net loans and leases to core deposits | 138.5765% | 203 |
| Total domestic deposits to total assets | 53.7650% | 6,001 |
| Equity capital to assets | 27.4572% | 71 |
| Core capital (leverage) ratio | 27.4144% | 70 |
| Tier 1 risk-based capital ratio | 33.8693% | 366 |
| Total risk-based capital ratio | 35.1365% | 359 |
| Memoranda: | ||
| Average total assets | $184,560,330 | 3,138 |
| Average earning assets | $159,363,330 | 3,275 |
| Average equity | $51,216,670 | 1,505 |
| Average total loans | $127,459,000 | 2,975 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2608% | 94 |
| Cost of funding earning assets | 0.8098% | 469 |
| Net interest margin | 5.4510% | 129 |
| Noninterest income to average assets | 0.3882% | 3,915 |
| Noninterest expense to average assets | 3.5748% | 1,060 |
| Loan and lease loss provision to assets | -0.5714% | 6,091 |
| Net operating income to assets | 1.3261% | 1,196 |
| Return on assets (ROA) | 1.3261% | 1,279 |
| Pretax return on assets | 2.0829% | 486 |
| Return on Equity (ROE) | 4.7530% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.7530% | 3,089 |
| Net charge-offs to loans | -0.0063% | 4,364 |
| Credit loss provision to net charge-offs | 13,100.0000% | 25 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2830% | 3,068 |
| Assets per employee ($millions) | 5.0077% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6674% | 327 |
| Loan loss allowance to noncurrent loans | 82.7752% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 2.2403% | 725 |
| Noncurrent loans to loans | 3.2224% | 463 |
| Net loans and leases to total assets | 67.6691% | 2,697 |
| Net loans and leases to deposits | 128.4197% | 44 |
| Net loans and leases to core deposits | 142.6037% | 149 |
| Total domestic deposits to total assets | 52.6937% | 6,063 |
| Equity capital to assets | 27.7795% | 68 |
| Core capital (leverage) ratio | 28.1485% | 67 |
| Tier 1 risk-based capital ratio | 34.6481% | 344 |
| Total risk-based capital ratio | 35.9153% | 339 |
| Memoranda: | ||
| Average total assets | $183,395,000 | 3,170 |
| Average earning assets | $158,062,500 | 3,308 |
| Average equity | $51,167,500 | 1,500 |
| Average total loans | $126,620,500 | 2,992 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5184% | 76 |
| Cost of funding earning assets | 0.7908% | 512 |
| Net interest margin | 5.7276% | 90 |
| Noninterest income to average assets | 0.3860% | 4,149 |
| Noninterest expense to average assets | 3.7813% | 882 |
| Loan and lease loss provision to assets | -0.9336% | 6,172 |
| Net operating income to assets | 1.5442% | 791 |
| Return on assets (ROA) | 1.5442% | 817 |
| Pretax return on assets | 2.5106% | 200 |
| Return on Equity (ROE) | 5.7006% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.7052% | 4,142 |
| Net charge-offs to loans | -0.0096% | 5,102 |
| Credit loss provision to net charge-offs | 14,450.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5687% | 3,133 |
| Assets per employee ($millions) | 4.8828% | 2,493 |
| Cash dividends to net income (ytd only)* | 52.5453% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9705% | 224 |
| Loan loss allowance to noncurrent loans | 84.5186% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.4205% | 651 |
| Noncurrent loans to loans | 3.5146% | 398 |
| Net loans and leases to total assets | 66.8252% | 2,873 |
| Net loans and leases to deposits | 128.1665% | 55 |
| Net loans and leases to core deposits | 141.0732% | 152 |
| Total domestic deposits to total assets | 52.1393% | 6,123 |
| Equity capital to assets | 28.2569% | 66 |
| Core capital (leverage) ratio | 28.6046% | 64 |
| Tier 1 risk-based capital ratio | 36.1593% | 306 |
| Total risk-based capital ratio | 37.4264% | 298 |
| Memoranda: | ||
| Average total assets | $185,730,600 | 3,107 |
| Average earning assets | $161,236,400 | 3,240 |
| Average equity | $50,310,600 | 1,478 |
| Average total loans | $125,060,800 | 2,971 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4237% | 83 |
| Cost of funding earning assets | 0.7945% | 511 |
| Net interest margin | 5.6292% | 102 |
| Noninterest income to average assets | 0.3815% | 4,205 |
| Noninterest expense to average assets | 3.7483% | 911 |
| Loan and lease loss provision to assets | -0.8221% | 6,254 |
| Net operating income to assets | 1.4816% | 948 |
| Return on assets (ROA) | 1.4816% | 982 |
| Pretax return on assets | 2.3508% | 317 |
| Return on Equity (ROE) | 5.5273% | 4,390 |
| Retained earnings to average equity (ytd only) | 2.3221% | 4,727 |
| Net charge-offs to loans | -0.0117% | 5,044 |
| Credit loss provision to net charge-offs | 10,481.8182% | 40 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0309% | 3,038 |
| Assets per employee ($millions) | 4.8314% | 2,515 |
| Cash dividends to net income (ytd only)* | 57.9885% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4877% | 152 |
| Loan loss allowance to noncurrent loans | 93.4849% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5587% | 659 |
| Noncurrent loans to loans | 3.7307% | 384 |
| Net loans and leases to total assets | 66.1927% | 2,975 |
| Net loans and leases to deposits | 127.3289% | 54 |
| Net loans and leases to core deposits | 138.9381% | 179 |
| Total domestic deposits to total assets | 51.9856% | 6,210 |
| Equity capital to assets | 28.2849% | 69 |
| Core capital (leverage) ratio | 27.9175% | 69 |
| Tier 1 risk-based capital ratio | 36.2724% | 316 |
| Total risk-based capital ratio | 37.5446% | 314 |
| Memoranda: | ||
| Average total assets | $186,997,250 | 3,117 |
| Average earning assets | $162,623,750 | 3,245 |
| Average equity | $50,125,750 | 1,490 |
| Average total loans | $125,219,750 | 2,988 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3229% | 90 |
| Cost of funding earning assets | 0.7949% | 516 |
| Net interest margin | 5.5280% | 118 |
| Noninterest income to average assets | 0.3784% | 4,242 |
| Noninterest expense to average assets | 3.7883% | 882 |
| Loan and lease loss provision to assets | -0.8707% | 6,321 |
| Net operating income to assets | 1.4367% | 1,021 |
| Return on assets (ROA) | 1.4367% | 1,059 |
| Pretax return on assets | 2.2768% | 353 |
| Return on Equity (ROE) | 5.4542% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.2409% | 4,596 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9302% | 2,855 |
| Assets per employee ($millions) | 5.0834% | 2,164 |
| Cash dividends to net income (ytd only)* | 58.9142% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7934% | 127 |
| Loan loss allowance to noncurrent loans | 90.5184% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.7721% | 638 |
| Noncurrent loans to loans | 4.1908% | 345 |
| Net loans and leases to total assets | 63.6381% | 3,319 |
| Net loans and leases to deposits | 119.1116% | 105 |
| Net loans and leases to core deposits | 128.6470% | 295 |
| Total domestic deposits to total assets | 53.4273% | 6,280 |
| Equity capital to assets | 27.4582% | 73 |
| Core capital (leverage) ratio | 27.3149% | 76 |
| Tier 1 risk-based capital ratio | 36.1939% | 331 |
| Total risk-based capital ratio | 37.4692% | 330 |
| Memoranda: | ||
| Average total assets | $189,742,000 | 3,101 |
| Average earning assets | $165,303,000 | 3,234 |
| Average equity | $49,980,000 | 1,501 |
| Average total loans | $126,091,670 | 2,982 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4216% | 79 |
| Cost of funding earning assets | 0.8024% | 491 |
| Net interest margin | 5.6192% | 105 |
| Noninterest income to average assets | 0.3687% | 4,263 |
| Noninterest expense to average assets | 3.8755% | 800 |
| Loan and lease loss provision to assets | -0.9528% | 6,380 |
| Net operating income to assets | 1.4769% | 887 |
| Return on assets (ROA) | 1.4769% | 945 |
| Pretax return on assets | 2.3489% | 299 |
| Return on Equity (ROE) | 5.7217% | 4,173 |
| Retained earnings to average equity (ytd only) | 2.4957% | 4,434 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5167% | 2,897 |
| Assets per employee ($millions) | 5.0466% | 2,291 |
| Cash dividends to net income (ytd only)* | 56.3815% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0397% | 122 |
| Loan loss allowance to noncurrent loans | 96.9496% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.7388% | 735 |
| Noncurrent loans to loans | 4.1668% | 400 |
| Net loans and leases to total assets | 63.0736% | 3,226 |
| Net loans and leases to deposits | 116.2329% | 132 |
| Net loans and leases to core deposits | 124.7873% | 315 |
| Total domestic deposits to total assets | 54.2649% | 6,351 |
| Equity capital to assets | 26.7782% | 81 |
| Core capital (leverage) ratio | 26.1079% | 83 |
| Tier 1 risk-based capital ratio | 35.8438% | 340 |
| Total risk-based capital ratio | 37.1223% | 335 |
| Memoranda: | ||
| Average total assets | $193,112,000 | 3,078 |
| Average earning assets | $168,494,000 | 3,202 |
| Average equity | $49,845,500 | 1,505 |
| Average total loans | $128,612,000 | 2,932 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2748% | 112 |
| Cost of funding earning assets | 0.8445% | 525 |
| Net interest margin | 5.4303% | 151 |
| Noninterest income to average assets | 0.9955% | 1,227 |
| Noninterest expense to average assets | 3.8998% | 859 |
| Loan and lease loss provision to assets | -0.6989% | 6,469 |
| Net operating income to assets | 1.4734% | 926 |
| Return on assets (ROA) | 1.4734% | 964 |
| Pretax return on assets | 2.4712% | 201 |
| Return on Equity (ROE) | 6.4201% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.3892% | 2,337 |
| Net charge-offs to loans | 0.1727% | 2,300 |
| Credit loss provision to net charge-offs | -596.7742% | 5,817 |
| Earnings coverage of net charge-offs (x) | 15.1331% | 2,103 |
| Efficiency ratio | 68.7536% | 3,760 |
| Assets per employee ($millions) | 5.2389% | 2,030 |
| Cash dividends to net income (ytd only)* | 16.0577% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0280% | 130 |
| Loan loss allowance to noncurrent loans | 70.8884% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.8392% | 455 |
| Noncurrent loans to loans | 5.6821% | 217 |
| Net loans and leases to total assets | 64.8438% | 3,081 |
| Net loans and leases to deposits | 112.4202% | 185 |
| Net loans and leases to core deposits | 120.1707% | 405 |
| Total domestic deposits to total assets | 57.6798% | 6,424 |
| Equity capital to assets | 24.9965% | 99 |
| Core capital (leverage) ratio | 23.1973% | 115 |
| Tier 1 risk-based capital ratio | 29.7160% | 523 |
| Total risk-based capital ratio | 30.9937% | 515 |
| Memoranda: | ||
| Average total assets | $211,757,000 | 2,862 |
| Average earning assets | $182,365,200 | 3,011 |
| Average equity | $48,597,200 | 1,483 |
| Average total loans | $143,567,400 | 2,658 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3157% | 109 |
| Cost of funding earning assets | 0.8391% | 560 |
| Net interest margin | 5.4767% | 139 |
| Noninterest income to average assets | 0.7562% | 2,068 |
| Noninterest expense to average assets | 3.8778% | 874 |
| Loan and lease loss provision to assets | -0.7816% | 6,555 |
| Net operating income to assets | 1.4268% | 1,081 |
| Return on assets (ROA) | 1.4268% | 1,117 |
| Pretax return on assets | 2.3530% | 282 |
| Return on Equity (ROE) | 6.3483% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.3483% | 2,191 |
| Net charge-offs to loans | 0.2405% | 1,604 |
| Credit loss provision to net charge-offs | -479.0875% | 5,736 |
| Earnings coverage of net charge-offs (x) | 9.6311% | 2,643 |
| Efficiency ratio | 71.1635% | 3,313 |
| Assets per employee ($millions) | 5.3826% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1205% | 151 |
| Loan loss allowance to noncurrent loans | 75.1637% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 5.8179% | 246 |
| Noncurrent loans to loans | 5.4821% | 292 |
| Net loans and leases to total assets | 63.9679% | 3,174 |
| Net loans and leases to deposits | 108.1957% | 260 |
| Net loans and leases to core deposits | 114.9181% | 555 |
| Total domestic deposits to total assets | 59.1224% | 6,496 |
| Equity capital to assets | 24.1733% | 111 |
| Core capital (leverage) ratio | 22.5262% | 130 |
| Tier 1 risk-based capital ratio | 27.9472% | 646 |
| Total risk-based capital ratio | 29.2243% | 627 |
| Memoranda: | ||
| Average total assets | $214,926,250 | 2,856 |
| Average earning assets | $184,170,250 | 3,011 |
| Average equity | $48,305,750 | 1,494 |
| Average total loans | $145,832,000 | 2,640 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2884% | 106 |
| Cost of funding earning assets | 0.8344% | 599 |
| Net interest margin | 5.4540% | 140 |
| Noninterest income to average assets | 0.6768% | 2,393 |
| Noninterest expense to average assets | 3.8006% | 973 |
| Loan and lease loss provision to assets | -0.7565% | 6,619 |
| Net operating income to assets | 1.4323% | 996 |
| Return on assets (ROA) | 1.4323% | 1,035 |
| Pretax return on assets | 2.3078% | 302 |
| Return on Equity (ROE) | 6.5267% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.5267% | 2,018 |
| Net charge-offs to loans | 0.3598% | 1,138 |
| Credit loss provision to net charge-offs | -308.2090% | 5,475 |
| Earnings coverage of net charge-offs (x) | 6.3209% | 2,787 |
| Efficiency ratio | 71.0130% | 3,498 |
| Assets per employee ($millions) | 5.4480% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2580% | 148 |
| Loan loss allowance to noncurrent loans | 77.1614% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 5.9312% | 255 |
| Noncurrent loans to loans | 5.5183% | 322 |
| Net loans and leases to total assets | 65.7214% | 2,801 |
| Net loans and leases to deposits | 109.4162% | 216 |
| Net loans and leases to core deposits | 115.8383% | 481 |
| Total domestic deposits to total assets | 60.0655% | 6,559 |
| Equity capital to assets | 23.5282% | 114 |
| Core capital (leverage) ratio | 21.6676% | 140 |
| Tier 1 risk-based capital ratio | 26.9563% | 704 |
| Total risk-based capital ratio | 28.2357% | 689 |
| Memoranda: | ||
| Average total assets | $218,388,330 | 2,831 |
| Average earning assets | $187,201,330 | 2,986 |
| Average equity | $47,926,330 | 1,497 |
| Average total loans | $148,955,000 | 2,592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2394% | 110 |
| Cost of funding earning assets | 0.8378% | 620 |
| Net interest margin | 5.4017% | 145 |
| Noninterest income to average assets | 0.4124% | 4,086 |
| Noninterest expense to average assets | 3.7006% | 1,129 |
| Loan and lease loss provision to assets | -0.8890% | 6,696 |
| Net operating income to assets | 1.3942% | 994 |
| Return on assets (ROA) | 1.3942% | 1,040 |
| Pretax return on assets | 2.2279% | 340 |
| Return on Equity (ROE) | 6.5720% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.5720% | 2,241 |
| Net charge-offs to loans | 0.3124% | 1,135 |
| Credit loss provision to net charge-offs | -418.4874% | 5,148 |
| Earnings coverage of net charge-offs (x) | 6.3025% | 2,238 |
| Efficiency ratio | 73.4325% | 3,241 |
| Assets per employee ($millions) | 5.3154% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3928% | 137 |
| Loan loss allowance to noncurrent loans | 68.6324% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 7.2472% | 207 |
| Noncurrent loans to loans | 6.4005% | 264 |
| Net loans and leases to total assets | 65.2035% | 2,693 |
| Net loans and leases to deposits | 104.9220% | 262 |
| Net loans and leases to core deposits | 111.4318% | 529 |
| Total domestic deposits to total assets | 62.1448% | 6,622 |
| Equity capital to assets | 21.9912% | 145 |
| Core capital (leverage) ratio | 20.0394% | 203 |
| Tier 1 risk-based capital ratio | 25.1446% | 873 |
| Total risk-based capital ratio | 26.4257% | 853 |
| Memoranda: | ||
| Average total assets | $224,070,500 | 2,788 |
| Average earning assets | $191,941,000 | 2,952 |
| Average equity | $47,535,000 | 1,499 |
| Average total loans | $152,377,500 | 2,551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7477% | 78 |
| Cost of funding earning assets | 0.9047% | 719 |
| Net interest margin | 5.8430% | 94 |
| Noninterest income to average assets | 0.4839% | 3,864 |
| Noninterest expense to average assets | 3.6749% | 1,325 |
| Loan and lease loss provision to assets | -1.1948% | 6,800 |
| Net operating income to assets | 1.8931% | 402 |
| Return on assets (ROA) | 1.8931% | 418 |
| Pretax return on assets | 3.0561% | 116 |
| Return on Equity (ROE) | 10.3893% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.3893% | 502 |
| Net charge-offs to loans | 0.4971% | 1,332 |
| Credit loss provision to net charge-offs | -338.8439% | 6,077 |
| Earnings coverage of net charge-offs (x) | 5.2786% | 3,340 |
| Efficiency ratio | 66.3795% | 4,493 |
| Assets per employee ($millions) | 5.6148% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5764% | 126 |
| Loan loss allowance to noncurrent loans | 70.3525% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 7.3998% | 222 |
| Noncurrent loans to loans | 6.5050% | 283 |
| Net loans and leases to total assets | 64.7158% | 2,917 |
| Net loans and leases to deposits | 97.4675% | 625 |
| Net loans and leases to core deposits | 103.1339% | 965 |
| Total domestic deposits to total assets | 66.3973% | 6,624 |
| Equity capital to assets | 20.4789% | 187 |
| Core capital (leverage) ratio | 18.9677% | 239 |
| Tier 1 risk-based capital ratio | 23.3857% | 1,039 |
| Total risk-based capital ratio | 24.6682% | 1,010 |
| Memoranda: | ||
| Average total assets | $245,311,000 | 2,575 |
| Average earning assets | $212,118,000 | 2,695 |
| Average equity | $44,699,800 | 1,563 |
| Average total loans | $174,013,800 | 2,256 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6549% | 87 |
| Cost of funding earning assets | 0.9037% | 798 |
| Net interest margin | 5.7511% | 101 |
| Noninterest income to average assets | 0.5133% | 3,716 |
| Noninterest expense to average assets | 3.4927% | 1,623 |
| Loan and lease loss provision to assets | -0.8564% | 6,866 |
| Net operating income to assets | 1.7043% | 626 |
| Return on assets (ROA) | 1.7043% | 652 |
| Pretax return on assets | 2.8605% | 160 |
| Return on Equity (ROE) | 9.6288% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.6288% | 876 |
| Net charge-offs to loans | 0.6252% | 988 |
| Credit loss provision to net charge-offs | -191.1589% | 5,889 |
| Earnings coverage of net charge-offs (x) | 4.4731% | 3,431 |
| Efficiency ratio | 63.5408% | 4,882 |
| Assets per employee ($millions) | 5.7144% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1063% | 108 |
| Loan loss allowance to noncurrent loans | 71.0561% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 7.2615% | 269 |
| Noncurrent loans to loans | 7.1863% | 284 |
| Net loans and leases to total assets | 67.4523% | 2,380 |
| Net loans and leases to deposits | 96.1482% | 678 |
| Net loans and leases to core deposits | 101.5108% | 1,024 |
| Total domestic deposits to total assets | 70.1545% | 6,590 |
| Equity capital to assets | 19.4985% | 231 |
| Core capital (leverage) ratio | 17.2648% | 361 |
| Tier 1 risk-based capital ratio | 21.3986% | 1,420 |
| Total risk-based capital ratio | 22.6880% | 1,386 |
| Memoranda: | ||
| Average total assets | $249,086,750 | 2,554 |
| Average earning assets | $215,837,000 | 2,678 |
| Average equity | $44,088,750 | 1,600 |
| Average total loans | $178,485,750 | 2,212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6703% | 85 |
| Cost of funding earning assets | 0.8997% | 900 |
| Net interest margin | 5.7706% | 99 |
| Noninterest income to average assets | 0.6440% | 2,943 |
| Noninterest expense to average assets | 3.4305% | 1,760 |
| Loan and lease loss provision to assets | -0.6629% | 6,894 |
| Net operating income to assets | 1.6826% | 643 |
| Return on assets (ROA) | 1.6826% | 703 |
| Pretax return on assets | 2.8707% | 168 |
| Return on Equity (ROE) | 9.8124% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.8124% | 889 |
| Net charge-offs to loans | 0.0954% | 3,413 |
| Credit loss provision to net charge-offs | -967.8161% | 6,019 |
| Earnings coverage of net charge-offs (x) | 32.2299% | 1,095 |
| Efficiency ratio | 60.8435% | 5,356 |
| Assets per employee ($millions) | 5.9950% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8007% | 70 |
| Loan loss allowance to noncurrent loans | 70.1542% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 8.2060% | 241 |
| Noncurrent loans to loans | 8.2685% | 239 |
| Net loans and leases to total assets | 66.1406% | 2,563 |
| Net loans and leases to deposits | 91.7387% | 988 |
| Net loans and leases to core deposits | 97.0359% | 1,279 |
| Total domestic deposits to total assets | 72.0968% | 6,557 |
| Equity capital to assets | 18.1598% | 316 |
| Core capital (leverage) ratio | 16.1481% | 449 |
| Tier 1 risk-based capital ratio | 19.8703% | 1,749 |
| Total risk-based capital ratio | 21.1674% | 1,708 |
| Memoranda: | ||
| Average total assets | $254,019,000 | 2,516 |
| Average earning assets | $219,839,000 | 2,640 |
| Average equity | $43,557,330 | 1,617 |
| Average total loans | $182,468,330 | 2,174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 73 |
| Cost of funding earning assets | 0.9187% | 897 |
| Net interest margin | 5.8316% | 93 |
| Noninterest income to average assets | 0.6090% | 3,088 |
| Noninterest expense to average assets | 3.3642% | 1,918 |
| Loan and lease loss provision to assets | -0.5997% | 6,970 |
| Net operating income to assets | 1.6069% | 701 |
| Return on assets (ROA) | 1.6069% | 762 |
| Pretax return on assets | 2.8807% | 175 |
| Return on Equity (ROE) | 9.6425% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.6425% | 1,205 |
| Net charge-offs to loans | 0.0918% | 2,925 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | 34.2326% | 891 |
| Efficiency ratio | 59.5937% | 5,646 |
| Assets per employee ($millions) | 6.1516% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6837% | 94 |
| Loan loss allowance to noncurrent loans | 83.7743% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 7.3806% | 367 |
| Noncurrent loans to loans | 6.7846% | 448 |
| Net loans and leases to total assets | 69.1620% | 1,809 |
| Net loans and leases to deposits | 94.2022% | 657 |
| Net loans and leases to core deposits | 99.9685% | 951 |
| Total domestic deposits to total assets | 73.4187% | 6,571 |
| Equity capital to assets | 17.2615% | 399 |
| Core capital (leverage) ratio | 15.0503% | 585 |
| Tier 1 risk-based capital ratio | 18.1237% | 2,309 |
| Total risk-based capital ratio | 19.4204% | 2,266 |
| Memoranda: | ||
| Average total assets | $258,130,500 | 2,513 |
| Average earning assets | $222,922,000 | 2,636 |
| Average equity | $43,018,000 | 1,660 |
| Average total loans | $187,411,500 | 2,143 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8095% | 92 |
| Cost of funding earning assets | 1.2614% | 434 |
| Net interest margin | 5.5481% | 157 |
| Noninterest income to average assets | 0.2277% | 5,814 |
| Noninterest expense to average assets | 3.3316% | 2,252 |
| Loan and lease loss provision to assets | 0.3039% | 2,248 |
| Net operating income to assets | 0.8060% | 3,256 |
| Return on assets (ROA) | 0.8060% | 3,508 |
| Pretax return on assets | 1.3521% | 2,198 |
| Return on Equity (ROE) | 5.6818% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.6818% | 2,264 |
| Net charge-offs to loans | 0.6283% | 1,866 |
| Credit loss provision to net charge-offs | 66.5152% | 4,270 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 3,656 |
| Efficiency ratio | 66.7985% | 4,363 |
| Assets per employee ($millions) | 6.2868% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7617% | 79 |
| Loan loss allowance to noncurrent loans | 83.6264% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 8.5140% | 312 |
| Noncurrent loans to loans | 6.8898% | 470 |
| Net loans and leases to total assets | 67.7662% | 2,221 |
| Net loans and leases to deposits | 90.4461% | 1,036 |
| Net loans and leases to core deposits | 96.4505% | 1,265 |
| Total domestic deposits to total assets | 74.9244% | 6,451 |
| Equity capital to assets | 16.0957% | 541 |
| Core capital (leverage) ratio | 13.5076% | 939 |
| Tier 1 risk-based capital ratio | 16.5193% | 2,875 |
| Total risk-based capital ratio | 17.8172% | 2,826 |
| Memoranda: | ||
| Average total assets | $288,956,600 | 2,212 |
| Average earning assets | $247,903,600 | 2,343 |
| Average equity | $40,990,800 | 1,706 |
| Average total loans | $210,087,800 | 1,917 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7985% | 98 |
| Cost of funding earning assets | 1.3302% | 386 |
| Net interest margin | 5.4682% | 183 |
| Noninterest income to average assets | 0.2164% | 5,992 |
| Noninterest expense to average assets | 3.2630% | 2,376 |
| Loan and lease loss provision to assets | 0.4526% | 1,379 |
| Net operating income to assets | 0.7679% | 3,611 |
| Return on assets (ROA) | 0.7679% | 3,867 |
| Pretax return on assets | 1.1929% | 3,012 |
| Return on Equity (ROE) | 5.5809% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.5809% | 2,979 |
| Net charge-offs to loans | 0.4351% | 2,361 |
| Credit loss provision to net charge-offs | 142.7350% | 2,018 |
| Earnings coverage of net charge-offs (x) | 5.1894% | 3,082 |
| Efficiency ratio | 66.4765% | 4,363 |
| Assets per employee ($millions) | 6.3598% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8458% | 73 |
| Loan loss allowance to noncurrent loans | 101.0990% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 8.6141% | 330 |
| Noncurrent loans to loans | 5.7823% | 725 |
| Net loans and leases to total assets | 67.2438% | 2,416 |
| Net loans and leases to deposits | 87.7171% | 1,386 |
| Net loans and leases to core deposits | 93.8354% | 1,596 |
| Total domestic deposits to total assets | 76.6598% | 6,290 |
| Equity capital to assets | 14.9633% | 833 |
| Core capital (leverage) ratio | 13.5634% | 990 |
| Tier 1 risk-based capital ratio | 16.6212% | 2,931 |
| Total risk-based capital ratio | 17.9185% | 2,875 |
| Memoranda: | ||
| Average total assets | $295,184,250 | 2,190 |
| Average earning assets | $253,286,500 | 2,314 |
| Average equity | $40,613,500 | 1,735 |
| Average total loans | $215,141,250 | 1,897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8592% | 92 |
| Cost of funding earning assets | 1.4340% | 307 |
| Net interest margin | 5.4253% | 201 |
| Noninterest income to average assets | 0.3117% | 5,317 |
| Noninterest expense to average assets | 3.2880% | 2,342 |
| Loan and lease loss provision to assets | 0.5015% | 1,266 |
| Net operating income to assets | 0.7626% | 3,544 |
| Return on assets (ROA) | 0.7626% | 3,809 |
| Pretax return on assets | 1.1861% | 2,990 |
| Return on Equity (ROE) | 5.6974% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.6974% | 2,880 |
| Net charge-offs to loans | 0.4114% | 2,386 |
| Credit loss provision to net charge-offs | 166.2252% | 1,685 |
| Earnings coverage of net charge-offs (x) | 5.5938% | 2,800 |
| Efficiency ratio | 66.0822% | 4,515 |
| Assets per employee ($millions) | 6.2808% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6338% | 100 |
| Loan loss allowance to noncurrent loans | 126.4531% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 7.7805% | 453 |
| Noncurrent loans to loans | 4.4552% | 1,195 |
| Net loans and leases to total assets | 67.7332% | 2,322 |
| Net loans and leases to deposits | 87.0911% | 1,463 |
| Net loans and leases to core deposits | 92.4427% | 1,738 |
| Total domestic deposits to total assets | 77.7728% | 6,203 |
| Equity capital to assets | 14.1276% | 1,041 |
| Core capital (leverage) ratio | 12.7772% | 1,227 |
| Tier 1 risk-based capital ratio | 15.7491% | 3,304 |
| Total risk-based capital ratio | 17.0447% | 3,253 |
| Memoranda: | ||
| Average total assets | $300,302,000 | 2,153 |
| Average earning assets | $258,162,670 | 2,277 |
| Average equity | $40,194,000 | 1,739 |
| Average total loans | $220,237,670 | 1,851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8495% | 104 |
| Cost of funding earning assets | 1.4744% | 323 |
| Net interest margin | 5.3752% | 220 |
| Noninterest income to average assets | 0.2680% | 5,734 |
| Noninterest expense to average assets | 3.3059% | 2,264 |
| Loan and lease loss provision to assets | 0.7582% | 667 |
| Net operating income to assets | 0.5530% | 4,573 |
| Return on assets (ROA) | 0.5530% | 4,790 |
| Pretax return on assets | 0.8314% | 4,296 |
| Return on Equity (ROE) | 4.2425% | 5,173 |
| Retained earnings to average equity (ytd only) | 4.2425% | 4,047 |
| Net charge-offs to loans | 0.4941% | 1,856 |
| Credit loss provision to net charge-offs | 207.1429% | 1,306 |
| Earnings coverage of net charge-offs (x) | 4.3429% | 2,592 |
| Efficiency ratio | 67.5300% | 4,268 |
| Assets per employee ($millions) | 6.3653% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2551% | 139 |
| Loan loss allowance to noncurrent loans | 142.0771% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 7.1913% | 574 |
| Noncurrent loans to loans | 3.6988% | 1,675 |
| Net loans and leases to total assets | 70.4069% | 1,683 |
| Net loans and leases to deposits | 91.2152% | 858 |
| Net loans and leases to core deposits | 97.0176% | 1,199 |
| Total domestic deposits to total assets | 77.1877% | 6,374 |
| Equity capital to assets | 13.4018% | 1,275 |
| Core capital (leverage) ratio | 11.4037% | 1,959 |
| Tier 1 risk-based capital ratio | 13.8676% | 4,556 |
| Total risk-based capital ratio | 15.1600% | 4,504 |
| Memoranda: | ||
| Average total assets | $305,995,000 | 2,122 |
| Average earning assets | $263,434,000 | 2,252 |
| Average equity | $39,882,500 | 1,744 |
| Average total loans | $226,669,000 | 1,812 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9793% | 95 |
| Cost of funding earning assets | 1.7253% | 296 |
| Net interest margin | 5.2540% | 262 |
| Noninterest income to average assets | 0.0499% | 6,836 |
| Noninterest expense to average assets | 2.7717% | 4,468 |
| Loan and lease loss provision to assets | 0.9711% | 988 |
| Net operating income to assets | 0.6071% | 3,964 |
| Return on assets (ROA) | 0.6071% | 4,147 |
| Pretax return on assets | 0.9206% | 3,546 |
| Return on Equity (ROE) | 5.2888% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.2888% | 2,458 |
| Net charge-offs to loans | 0.8095% | 2,127 |
| Credit loss provision to net charge-offs | 157.4988% | 1,773 |
| Earnings coverage of net charge-offs (x) | 3.0680% | 3,673 |
| Efficiency ratio | 59.4362% | 5,837 |
| Assets per employee ($millions) | 6.6558% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9273% | 185 |
| Loan loss allowance to noncurrent loans | 148.0619% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 6.9145% | 667 |
| Noncurrent loans to loans | 3.3279% | 1,946 |
| Net loans and leases to total assets | 70.2115% | 1,995 |
| Net loans and leases to deposits | 89.6057% | 1,201 |
| Net loans and leases to core deposits | 95.3265% | 1,559 |
| Total domestic deposits to total assets | 78.3561% | 6,125 |
| Equity capital to assets | 12.6817% | 1,670 |
| Core capital (leverage) ratio | 11.2563% | 2,078 |
| Tier 1 risk-based capital ratio | 13.7078% | 4,548 |
| Total risk-based capital ratio | 14.9965% | 4,481 |
| Memoranda: | ||
| Average total assets | $338,493,200 | 1,909 |
| Average earning assets | $297,220,600 | 1,974 |
| Average equity | $38,855,600 | 1,734 |
| Average total loans | $257,801,200 | 1,635 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0282% | 97 |
| Cost of funding earning assets | 1.7606% | 304 |
| Net interest margin | 5.2677% | 259 |
| Noninterest income to average assets | 0.0738% | 6,866 |
| Noninterest expense to average assets | 2.7593% | 4,499 |
| Loan and lease loss provision to assets | 0.6981% | 1,386 |
| Net operating income to assets | 0.8017% | 3,152 |
| Return on assets (ROA) | 0.8017% | 3,315 |
| Pretax return on assets | 1.2614% | 2,423 |
| Return on Equity (ROE) | 7.1543% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.1543% | 1,885 |
| Net charge-offs to loans | 0.4567% | 2,908 |
| Credit loss provision to net charge-offs | 199.3377% | 1,468 |
| Earnings coverage of net charge-offs (x) | 5.5949% | 2,742 |
| Efficiency ratio | 58.4746% | 5,941 |
| Assets per employee ($millions) | 6.8629% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4959% | 267 |
| Loan loss allowance to noncurrent loans | 86.8642% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 6.8010% | 741 |
| Noncurrent loans to loans | 5.1758% | 1,182 |
| Net loans and leases to total assets | 71.4674% | 1,823 |
| Net loans and leases to deposits | 91.6804% | 1,039 |
| Net loans and leases to core deposits | 97.6758% | 1,448 |
| Total domestic deposits to total assets | 77.9528% | 6,203 |
| Equity capital to assets | 12.0484% | 2,211 |
| Core capital (leverage) ratio | 10.8664% | 2,507 |
| Tier 1 risk-based capital ratio | 13.3075% | 4,875 |
| Total risk-based capital ratio | 14.5931% | 4,818 |
| Memoranda: | ||
| Average total assets | $344,911,000 | 1,883 |
| Average earning assets | $304,138,000 | 1,941 |
| Average equity | $38,651,750 | 1,744 |
| Average total loans | $264,496,500 | 1,607 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9626% | 109 |
| Cost of funding earning assets | 1.7988% | 311 |
| Net interest margin | 5.1637% | 297 |
| Noninterest income to average assets | 0.4953% | 3,904 |
| Noninterest expense to average assets | 2.7828% | 4,494 |
| Loan and lease loss provision to assets | 0.7416% | 1,257 |
| Net operating income to assets | 0.9541% | 2,420 |
| Return on assets (ROA) | 0.9541% | 2,513 |
| Pretax return on assets | 1.5220% | 1,462 |
| Return on Equity (ROE) | 8.7193% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.7193% | 1,204 |
| Net charge-offs to loans | 0.5161% | 2,552 |
| Credit loss provision to net charge-offs | 185.9599% | 1,621 |
| Earnings coverage of net charge-offs (x) | 5.6762% | 2,558 |
| Efficiency ratio | 55.1455% | 6,493 |
| Assets per employee ($millions) | 7.2344% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1014% | 390 |
| Loan loss allowance to noncurrent loans | 86.4854% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 6.6820% | 786 |
| Noncurrent loans to loans | 4.7423% | 1,388 |
| Net loans and leases to total assets | 74.1521% | 1,386 |
| Net loans and leases to deposits | 95.9161% | 731 |
| Net loans and leases to core deposits | 101.7971% | 1,190 |
| Total domestic deposits to total assets | 77.3093% | 6,411 |
| Equity capital to assets | 11.5545% | 2,453 |
| Core capital (leverage) ratio | 10.3370% | 2,897 |
| Tier 1 risk-based capital ratio | 12.3951% | 5,443 |
| Total risk-based capital ratio | 13.6763% | 5,399 |
| Memoranda: | ||
| Average total assets | $350,074,670 | 1,872 |
| Average earning assets | $308,536,330 | 1,922 |
| Average equity | $38,305,670 | 1,752 |
| Average total loans | $270,491,670 | 1,596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9331% | 120 |
| Cost of funding earning assets | 1.8536% | 309 |
| Net interest margin | 5.0795% | 318 |
| Noninterest income to average assets | -0.1757% | 7,422 |
| Noninterest expense to average assets | 2.8476% | 4,275 |
| Loan and lease loss provision to assets | 0.7829% | 1,090 |
| Net operating income to assets | 0.4472% | 4,731 |
| Return on assets (ROA) | 0.4472% | 4,815 |
| Pretax return on assets | 0.6635% | 4,443 |
| Return on Equity (ROE) | 4.1994% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.1994% | 3,639 |
| Net charge-offs to loans | 0.5761% | 2,048 |
| Credit loss provision to net charge-offs | 175.9494% | 1,662 |
| Earnings coverage of net charge-offs (x) | 3.2506% | 2,802 |
| Efficiency ratio | 66.3169% | 4,984 |
| Assets per employee ($millions) | 7.5956% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8937% | 449 |
| Loan loss allowance to noncurrent loans | 117.2464% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 6.1028% | 934 |
| Noncurrent loans to loans | 3.3210% | 2,262 |
| Net loans and leases to total assets | 74.0545% | 1,335 |
| Net loans and leases to deposits | 96.0285% | 688 |
| Net loans and leases to core deposits | 102.2740% | 1,180 |
| Total domestic deposits to total assets | 77.1172% | 6,514 |
| Equity capital to assets | 10.8799% | 2,798 |
| Core capital (leverage) ratio | 9.7394% | 3,473 |
| Tier 1 risk-based capital ratio | 11.6621% | 5,969 |
| Total risk-based capital ratio | 12.9408% | 5,941 |
| Memoranda: | ||
| Average total assets | $355,104,000 | 1,857 |
| Average earning assets | $312,474,000 | 1,914 |
| Average equity | $37,815,000 | 1,762 |
| Average total loans | $274,281,500 | 1,598 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8639% | 179 |
| Cost of funding earning assets | 2.2402% | 266 |
| Net interest margin | 4.6237% | 955 |
| Noninterest income to average assets | -0.4308% | 7,548 |
| Noninterest expense to average assets | 2.4644% | 5,905 |
| Loan and lease loss provision to assets | 1.2656% | 1,229 |
| Net operating income to assets | 0.0656% | 5,662 |
| Return on assets (ROA) | 0.0656% | 5,808 |
| Pretax return on assets | -0.0328% | 5,932 |
| Return on Equity (ROE) | 0.6937% | 5,784 |
| Retained earnings to average equity (ytd only) | 0.6937% | 5,219 |
| Net charge-offs to loans | 0.5285% | 3,512 |
| Credit loss provision to net charge-offs | 312.0590% | 848 |
| Earnings coverage of net charge-offs (x) | 3.0398% | 3,553 |
| Efficiency ratio | 66.6549% | 4,829 |
| Assets per employee ($millions) | 7.5169% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6454% | 529 |
| Loan loss allowance to noncurrent loans | 89.6786% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 6.5206% | 872 |
| Noncurrent loans to loans | 4.0650% | 1,777 |
| Net loans and leases to total assets | 74.5966% | 1,555 |
| Net loans and leases to deposits | 99.0330% | 640 |
| Net loans and leases to core deposits | 105.7505% | 1,210 |
| Total domestic deposits to total assets | 75.3250% | 6,724 |
| Equity capital to assets | 10.4254% | 3,241 |
| Core capital (leverage) ratio | 9.2301% | 4,122 |
| Tier 1 risk-based capital ratio | 11.0759% | 6,271 |
| Total risk-based capital ratio | 12.3360% | 6,235 |
| Memoranda: | ||
| Average total assets | $384,388,200 | 1,707 |
| Average earning assets | $343,186,000 | 1,740 |
| Average equity | $36,325,200 | 1,822 |
| Average total loans | $294,997,600 | 1,519 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8342% | 191 |
| Cost of funding earning assets | 2.2853% | 286 |
| Net interest margin | 4.5489% | 1,152 |
| Noninterest income to average assets | -0.3597% | 7,644 |
| Noninterest expense to average assets | 2.4494% | 5,885 |
| Loan and lease loss provision to assets | 1.4417% | 934 |
| Net operating income to assets | -0.0502% | 6,101 |
| Return on assets (ROA) | -0.0502% | 6,214 |
| Pretax return on assets | -0.1763% | 6,301 |
| Return on Equity (ROE) | -0.5444% | 6,226 |
| Retained earnings to average equity (ytd only) | -0.5444% | 5,931 |
| Net charge-offs to loans | 0.5415% | 3,136 |
| Credit loss provision to net charge-offs | 347.6112% | 909 |
| Earnings coverage of net charge-offs (x) | 3.0511% | 3,609 |
| Efficiency ratio | 65.9371% | 4,874 |
| Assets per employee ($millions) | 8.0795% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4377% | 568 |
| Loan loss allowance to noncurrent loans | 89.4875% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 5.7200% | 1,064 |
| Noncurrent loans to loans | 3.8416% | 1,988 |
| Net loans and leases to total assets | 73.1042% | 1,999 |
| Net loans and leases to deposits | 96.8588% | 896 |
| Net loans and leases to core deposits | 106.6920% | 1,266 |
| Total domestic deposits to total assets | 75.4751% | 6,748 |
| Equity capital to assets | 9.6693% | 4,586 |
| Core capital (leverage) ratio | 8.6140% | 5,325 |
| Tier 1 risk-based capital ratio | 10.3014% | 6,894 |
| Total risk-based capital ratio | 11.5588% | 6,880 |
| Memoranda: | ||
| Average total assets | $390,282,750 | 1,713 |
| Average earning assets | $349,587,000 | 1,732 |
| Average equity | $36,002,500 | 1,854 |
| Average total loans | $298,913,250 | 1,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7919% | 206 |
| Cost of funding earning assets | 2.3276% | 311 |
| Net interest margin | 4.4643% | 1,277 |
| Noninterest income to average assets | -0.4302% | 7,738 |
| Noninterest expense to average assets | 2.4784% | 5,802 |
| Loan and lease loss provision to assets | 1.8675% | 667 |
| Net operating income to assets | -0.3956% | 6,560 |
| Return on assets (ROA) | -0.3956% | 6,601 |
| Pretax return on assets | -0.7638% | 6,763 |
| Return on Equity (ROE) | -4.3563% | 6,643 |
| Retained earnings to average equity (ytd only) | -4.3563% | 6,481 |
| Net charge-offs to loans | 0.6415% | 2,618 |
| Credit loss provision to net charge-offs | 378.6818% | 954 |
| Earnings coverage of net charge-offs (x) | 2.2379% | 3,887 |
| Efficiency ratio | 69.1904% | 4,334 |
| Assets per employee ($millions) | 7.5123% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2290% | 683 |
| Loan loss allowance to noncurrent loans | 68.8384% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 5.5733% | 1,098 |
| Noncurrent loans to loans | 4.6906% | 1,525 |
| Net loans and leases to total assets | 74.9618% | 1,703 |
| Net loans and leases to deposits | 100.4723% | 684 |
| Net loans and leases to core deposits | 111.0514% | 1,096 |
| Total domestic deposits to total assets | 74.6095% | 6,900 |
| Equity capital to assets | 9.2886% | 5,019 |
| Core capital (leverage) ratio | 8.1728% | 5,991 |
| Tier 1 risk-based capital ratio | 10.0970% | 6,978 |
| Total risk-based capital ratio | 11.3548% | 6,941 |
| Memoranda: | ||
| Average total assets | $393,798,330 | 1,709 |
| Average earning assets | $353,922,330 | 1,723 |
| Average equity | $35,764,000 | 1,865 |
| Average total loans | $302,722,330 | 1,514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6364% | 292 |
| Cost of funding earning assets | 2.3930% | 309 |
| Net interest margin | 4.2435% | 1,878 |
| Noninterest income to average assets | -0.5913% | 7,871 |
| Noninterest expense to average assets | 2.5335% | 5,603 |
| Loan and lease loss provision to assets | 2.5215% | 422 |
| Net operating income to assets | -1.0282% | 7,122 |
| Return on assets (ROA) | -1.0282% | 7,143 |
| Pretax return on assets | -1.8360% | 7,362 |
| Return on Equity (ROE) | -11.4469% | 7,190 |
| Retained earnings to average equity (ytd only) | -11.4469% | 7,042 |
| Net charge-offs to loans | 0.1439% | 4,070 |
| Credit loss provision to net charge-offs | 2,287.2727% | 226 |
| Earnings coverage of net charge-offs (x) | 6.2182% | 2,262 |
| Efficiency ratio | 78.7049% | 2,775 |
| Assets per employee ($millions) | 6.7543% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0566% | 779 |
| Loan loss allowance to noncurrent loans | 58.2627% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 5.8305% | 1,040 |
| Noncurrent loans to loans | 5.2462% | 1,357 |
| Net loans and leases to total assets | 75.1547% | 1,702 |
| Net loans and leases to deposits | 103.3666% | 569 |
| Net loans and leases to core deposits | 114.0862% | 1,038 |
| Total domestic deposits to total assets | 72.7070% | 7,193 |
| Equity capital to assets | 9.0208% | 5,246 |
| Core capital (leverage) ratio | 8.3042% | 5,731 |
| Tier 1 risk-based capital ratio | 10.4329% | 6,696 |
| Total risk-based capital ratio | 11.6918% | 6,688 |
| Memoranda: | ||
| Average total assets | $399,134,000 | 1,731 |
| Average earning assets | $358,386,000 | 1,750 |
| Average equity | $35,852,500 | 1,878 |
| Average total loans | $305,692,500 | 1,543 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1665% | 220 |
| Cost of funding earning assets | 3.3415% | 80 |
| Net interest margin | 3.8250% | 3,598 |
| Noninterest income to average assets | 0.0123% | 7,651 |
| Noninterest expense to average assets | 2.1387% | 7,104 |
| Loan and lease loss provision to assets | 1.4361% | 1,604 |
| Net operating income to assets | -0.0005% | 5,486 |
| Return on assets (ROA) | -0.0005% | 5,542 |
| Pretax return on assets | -0.0816% | 5,575 |
| Return on Equity (ROE) | -0.0056% | 5,543 |
| Retained earnings to average equity (ytd only) | -0.9483% | 5,241 |
| Net charge-offs to loans | 1.0944% | 2,231 |
| Credit loss provision to net charge-offs | 163.6546% | 2,677 |
| Earnings coverage of net charge-offs (x) | 1.5436% | 4,591 |
| Efficiency ratio | 61.2236% | 6,288 |
| Assets per employee ($millions) | 7.2592% | 724 |
| Cash dividends to net income (ytd only)* | -16,750.0000% | 8,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 1,584 |
| Loan loss allowance to noncurrent loans | 62.7120% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 4.7486% | 1,330 |
| Noncurrent loans to loans | 3.5641% | 2,127 |
| Net loans and leases to total assets | 73.9959% | 2,273 |
| Net loans and leases to deposits | 100.4807% | 864 |
| Net loans and leases to core deposits | 184.5871% | 141 |
| Total domestic deposits to total assets | 73.6419% | 7,065 |
| Equity capital to assets | 8.9458% | 5,225 |
| Core capital (leverage) ratio | 8.7973% | 4,773 |
| Tier 1 risk-based capital ratio | 10.0498% | 6,826 |
| Total risk-based capital ratio | 11.2999% | 6,797 |
| Memoranda: | ||
| Average total assets | $397,254,400 | 1,730 |
| Average earning assets | $361,514,000 | 1,734 |
| Average equity | $35,537,400 | 1,896 |
| Average total loans | $318,531,400 | 1,508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2371% | 217 |
| Cost of funding earning assets | 3.5238% | 62 |
| Net interest margin | 3.7133% | 4,016 |
| Noninterest income to average assets | 0.0327% | 7,721 |
| Noninterest expense to average assets | 2.2025% | 6,968 |
| Loan and lease loss provision to assets | 1.4307% | 1,341 |
| Net operating income to assets | -0.0695% | 5,844 |
| Return on assets (ROA) | -0.0695% | 5,885 |
| Pretax return on assets | -0.2009% | 5,980 |
| Return on Equity (ROE) | -0.7774% | 5,895 |
| Retained earnings to average equity (ytd only) | -2.0416% | 5,733 |
| Net charge-offs to loans | 0.9206% | 2,128 |
| Credit loss provision to net charge-offs | 191.0730% | 2,371 |
| Earnings coverage of net charge-offs (x) | 1.6425% | 4,562 |
| Efficiency ratio | 64.1684% | 5,717 |
| Assets per employee ($millions) | 5.8670% | 1,310 |
| Cash dividends to net income (ytd only)* | -162.6229% | 8,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 1,531 |
| Loan loss allowance to noncurrent loans | 50.2635% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 4.6133% | 1,308 |
| Noncurrent loans to loans | 4.2477% | 1,694 |
| Net loans and leases to total assets | 79.0391% | 1,385 |
| Net loans and leases to deposits | 109.1773% | 490 |
| Net loans and leases to core deposits | 189.0175% | 140 |
| Total domestic deposits to total assets | 72.3951% | 7,164 |
| Equity capital to assets | 9.3388% | 4,971 |
| Core capital (leverage) ratio | 8.7305% | 5,078 |
| Tier 1 risk-based capital ratio | 10.1367% | 6,843 |
| Total risk-based capital ratio | 11.3956% | 6,778 |
| Memoranda: | ||
| Average total assets | $394,939,000 | 1,753 |
| Average earning assets | $361,570,750 | 1,748 |
| Average equity | $35,330,250 | 1,923 |
| Average total loans | $321,243,750 | 1,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1683% | 247 |
| Cost of funding earning assets | 3.6547% | 63 |
| Net interest margin | 3.5136% | 4,741 |
| Noninterest income to average assets | 0.0443% | 7,760 |
| Noninterest expense to average assets | 2.1886% | 7,085 |
| Loan and lease loss provision to assets | 0.7703% | 2,149 |
| Net operating income to assets | 0.2264% | 5,171 |
| Return on assets (ROA) | 0.2264% | 5,256 |
| Pretax return on assets | 0.3059% | 5,196 |
| Return on Equity (ROE) | 2.5675% | 5,071 |
| Retained earnings to average equity (ytd only) | 0.6561% | 4,926 |
| Net charge-offs to loans | 0.9325% | 1,850 |
| Credit loss provision to net charge-offs | 101.3236% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.4156% | 4,467 |
| Efficiency ratio | 67.0365% | 5,354 |
| Assets per employee ($millions) | 6.0875% | 1,172 |
| Cash dividends to net income (ytd only)* | 74.4444% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 3,415 |
| Loan loss allowance to noncurrent loans | 40.9258% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 4.2379% | 1,361 |
| Noncurrent loans to loans | 3.5667% | 1,964 |
| Net loans and leases to total assets | 79.7932% | 1,349 |
| Net loans and leases to deposits | 111.5585% | 496 |
| Net loans and leases to core deposits | 199.5759% | 124 |
| Total domestic deposits to total assets | 71.5259% | 7,306 |
| Equity capital to assets | 9.3048% | 4,858 |
| Core capital (leverage) ratio | 9.0905% | 4,483 |
| Tier 1 risk-based capital ratio | 10.6036% | 6,286 |
| Total risk-based capital ratio | 11.8547% | 6,226 |
| Memoranda: | ||
| Average total assets | $397,510,330 | 1,772 |
| Average earning assets | $364,352,670 | 1,760 |
| Average equity | $35,053,000 | 1,936 |
| Average total loans | $324,079,670 | 1,535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1683% | 262 |
| Cost of funding earning assets | 3.7973% | 65 |
| Net interest margin | 3.3710% | 5,251 |
| Noninterest income to average assets | 0.0924% | 7,592 |
| Noninterest expense to average assets | 2.1475% | 7,016 |
| Loan and lease loss provision to assets | 0.7811% | 1,646 |
| Net operating income to assets | 0.1998% | 5,657 |
| Return on assets (ROA) | 0.1998% | 5,824 |
| Pretax return on assets | 0.2681% | 5,764 |
| Return on Equity (ROE) | 2.3295% | 5,652 |
| Retained earnings to average equity (ytd only) | -1.5920% | 6,015 |
| Net charge-offs to loans | 0.9303% | 1,424 |
| Credit loss provision to net charge-offs | 102.6385% | 3,655 |
| Earnings coverage of net charge-offs (x) | 1.3786% | 4,046 |
| Efficiency ratio | 67.1796% | 5,107 |
| Assets per employee ($millions) | 6.1177% | 1,130 |
| Cash dividends to net income (ytd only)* | 168.3417% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 3,322 |
| Loan loss allowance to noncurrent loans | 41.7738% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.9679% | 1,298 |
| Noncurrent loans to loans | 3.4346% | 1,861 |
| Net loans and leases to total assets | 79.5750% | 1,462 |
| Net loans and leases to deposits | 116.1851% | 383 |
| Net loans and leases to core deposits | 205.0232% | 129 |
| Total domestic deposits to total assets | 68.4898% | 7,558 |
| Equity capital to assets | 9.0563% | 5,283 |
| Core capital (leverage) ratio | 9.1250% | 4,514 |
| Tier 1 risk-based capital ratio | 10.3756% | 6,520 |
| Total risk-based capital ratio | 11.6267% | 6,432 |
| Memoranda: | ||
| Average total assets | $398,421,000 | 1,770 |
| Average earning assets | $366,893,500 | 1,760 |
| Average equity | $34,170,500 | 1,990 |
| Average total loans | $325,914,500 | 1,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1660% | 154 |
| Cost of funding earning assets | 4.2291% | 41 |
| Net interest margin | 3.9369% | 3,413 |
| Noninterest income to average assets | -0.0246% | 8,168 |
| Noninterest expense to average assets | 2.4165% | 6,338 |
| Loan and lease loss provision to assets | 0.2217% | 4,668 |
| Net operating income to assets | 0.6684% | 4,032 |
| Return on assets (ROA) | 0.6684% | 3,879 |
| Pretax return on assets | 0.9565% | 3,536 |
| Return on Equity (ROE) | 7.5495% | 3,260 |
| Retained earnings to average equity (ytd only) | 0.4294% | 4,990 |
| Net charge-offs to loans | 0.1124% | 5,145 |
| Credit loss provision to net charge-offs | 234.6154% | 2,026 |
| Earnings coverage of net charge-offs (x) | 12.4704% | 2,240 |
| Efficiency ratio | 67.2240% | 4,868 |
| Assets per employee ($millions) | 5.1721% | 1,757 |
| Cash dividends to net income (ytd only)* | 94.3120% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 3,027 |
| Loan loss allowance to noncurrent loans | 37.3177% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 3.8751% | 1,082 |
| Noncurrent loans to loans | 3.8305% | 1,298 |
| Net loans and leases to total assets | 81.7138% | 1,283 |
| Net loans and leases to deposits | 120.9858% | 365 |
| Net loans and leases to core deposits | 231.2391% | 91 |
| Total domestic deposits to total assets | 67.5399% | 7,515 |
| Equity capital to assets | 8.0837% | 6,729 |
| Core capital (leverage) ratio | 8.3307% | 5,890 |
| Tier 1 risk-based capital ratio | 9.1147% | 7,702 |
| Total risk-based capital ratio | 10.3656% | 7,664 |
| Memoranda: | ||
| Average total assets | $357,744,200 | 1,869 |
| Average earning assets | $328,887,800 | 1,858 |
| Average equity | $31,671,000 | 2,136 |
| Average total loans | $300,601,200 | 1,605 |