Home > Dean Co-operative Bank > Performance and Condition Ratios
Dean Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0171% | 37 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 201,428.0000% | 10 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.2292% | 4,139 |
| Pretax return on assets | 0.2812% | 4,106 |
| Return on Equity (ROE) | 4.0000% | 3,884 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 6.7115% | 4,559 |
| Assets per employee ($millions) | 0.1319% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1,398.0000% | 6 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0004% | 3,810 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 12,256.0000% | 12 |
| Total domestic deposits to total assets | 1,627.0000% | 11 |
| Equity capital to assets | 105,130.0000% | 9 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $5,693,000 | 4,582 |
| Average earning assets | $5,133 | 4,572 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,102 |
| Cost of funding earning assets | 0.8761% | 3,331 |
| Net interest margin | 2.9350% | 3,465 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 3.0766% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2674% | 4,157 |
| Return on assets (ROA) | 0.2674% | 4,156 |
| Pretax return on assets | 0.3339% | 4,129 |
| Return on Equity (ROE) | 4.7200% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.7199% | 3,036 |
| Net charge-offs to loans | 0.0200% | 1,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 24.3261% | 1,714 |
| Efficiency ratio | 90.2091% | 366 |
| Assets per employee ($millions) | 6.3433% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,222 |
| Loan loss allowance to noncurrent loans | 1,431.1111% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,306 |
| Noncurrent loans to loans | 0.0718% | 3,242 |
| Net loans and leases to total assets | 68.9000% | 1,955 |
| Net loans and leases to deposits | 79.3139% | 2,114 |
| Net loans and leases to core deposits | 84.7208% | 2,282 |
| Total domestic deposits to total assets | 86.8700% | 1,929 |
| Equity capital to assets | 5.2754% | 4,197 |
| Core capital (leverage) ratio | 8.1771% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7703% | 1,643 |
| Memoranda: | ||
| Average total assets | $446,809,500 | 1,865 |
| Average earning assets | $421,243,250 | 1,833 |
| Average equity | $25,310,500 | 2,482 |
| Average total loans | $306,866,000 | 1,769 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 4,116 |
| Cost of funding earning assets | 0.7608% | 3,324 |
| Net interest margin | 2.9622% | 3,536 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.0690% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2765% | 4,191 |
| Return on assets (ROA) | 0.2765% | 4,223 |
| Pretax return on assets | 0.3501% | 4,180 |
| Return on Equity (ROE) | 4.7700% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.7701% | 3,002 |
| Net charge-offs to loans | 0.0302% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 16.9565% | 1,815 |
| Efficiency ratio | 89.7611% | 362 |
| Assets per employee ($millions) | 6.4749% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,259 |
| Loan loss allowance to noncurrent loans | 730.1587% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 2,849 |
| Noncurrent loans to loans | 0.1422% | 2,758 |
| Net loans and leases to total assets | 67.7300% | 1,986 |
| Net loans and leases to deposits | 77.1463% | 2,205 |
| Net loans and leases to core deposits | 82.3104% | 2,311 |
| Total domestic deposits to total assets | 87.7900% | 1,678 |
| Equity capital to assets | 5.6872% | 4,239 |
| Core capital (leverage) ratio | 8.2328% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6575% | 1,670 |
| Memoranda: | ||
| Average total assets | $445,621,000 | 1,869 |
| Average earning assets | $420,369,333 | 1,840 |
| Average equity | $25,827,667 | 2,474 |
| Average total loans | $304,642,000 | 1,759 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,057 |
| Cost of funding earning assets | 0.6045% | 3,371 |
| Net interest margin | 3.0755% | 3,410 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.1353% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3015% | 4,249 |
| Return on assets (ROA) | 0.3015% | 4,210 |
| Pretax return on assets | 0.3793% | 4,155 |
| Return on Equity (ROE) | 5.1500% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.1522% | 2,989 |
| Net charge-offs to loans | 0.0610% | 765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.1087% | 1,698 |
| Efficiency ratio | 89.2066% | 381 |
| Assets per employee ($millions) | 6.3484% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,241 |
| Loan loss allowance to noncurrent loans | 763.0332% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,869 |
| Noncurrent loans to loans | 0.1393% | 2,798 |
| Net loans and leases to total assets | 67.4200% | 1,908 |
| Net loans and leases to deposits | 75.1758% | 2,187 |
| Net loans and leases to core deposits | 80.7009% | 2,202 |
| Total domestic deposits to total assets | 89.6900% | 1,267 |
| Equity capital to assets | 6.0998% | 4,164 |
| Core capital (leverage) ratio | 8.2153% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9645% | 1,637 |
| Memoranda: | ||
| Average total assets | $441,810,000 | 1,900 |
| Average earning assets | $416,840,500 | 1,876 |
| Average equity | $25,853,000 | 2,492 |
| Average total loans | $301,865,000 | 1,785 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 3,495 |
| Cost of funding earning assets | 0.1502% | 4,120 |
| Net interest margin | 3.1905% | 2,889 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.9885% | 981 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6814% | 3,671 |
| Return on assets (ROA) | 0.6814% | 3,624 |
| Pretax return on assets | 0.9096% | 3,328 |
| Return on Equity (ROE) | 10.8900% | 2,512 |
| Retained earnings to average equity (ytd only) | 10.8914% | 911 |
| Net charge-offs to loans | 0.0007% | 2,573 |
| Credit loss provision to net charge-offs | 2,250.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 2,029.5000% | 86 |
| Efficiency ratio | 76.4655% | 965 |
| Assets per employee ($millions) | 6.3657% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 2,959 |
| Loan loss allowance to noncurrent loans | 680.4167% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 2,760 |
| Noncurrent loans to loans | 0.1595% | 2,699 |
| Net loans and leases to total assets | 67.7600% | 1,855 |
| Net loans and leases to deposits | 74.9708% | 2,179 |
| Net loans and leases to core deposits | 78.9659% | 2,203 |
| Total domestic deposits to total assets | 90.3800% | 1,209 |
| Equity capital to assets | 5.6005% | 4,209 |
| Core capital (leverage) ratio | 8.2107% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8824% | 1,667 |
| Memoranda: | ||
| Average total assets | $441,285,800 | 1,883 |
| Average earning assets | $418,080,800 | 1,854 |
| Average equity | $27,609,000 | 2,445 |
| Average total loans | $292,737,600 | 1,754 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 3,261 |
| Cost of funding earning assets | 0.1142% | 4,162 |
| Net interest margin | 3.1553% | 2,760 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.9394% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7578% | 3,396 |
| Return on assets (ROA) | 0.7578% | 3,340 |
| Pretax return on assets | 1.0161% | 2,972 |
| Return on Equity (ROE) | 11.8000% | 2,101 |
| Retained earnings to average equity (ytd only) | 11.8044% | 839 |
| Net charge-offs to loans | -0.0005% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3114% | 1,245 |
| Assets per employee ($millions) | 6.1499% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,042 |
| Loan loss allowance to noncurrent loans | 670.2703% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 2,861 |
| Noncurrent loans to loans | 0.1633% | 2,784 |
| Net loans and leases to total assets | 66.7000% | 1,817 |
| Net loans and leases to deposits | 72.2108% | 2,186 |
| Net loans and leases to core deposits | 74.7541% | 2,295 |
| Total domestic deposits to total assets | 92.3700% | 759 |
| Equity capital to assets | 5.5535% | 4,110 |
| Core capital (leverage) ratio | 8.3188% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7411% | 1,793 |
| Memoranda: | ||
| Average total assets | $441,799,500 | 1,888 |
| Average earning assets | $418,972,250 | 1,860 |
| Average equity | $28,361,500 | 2,442 |
| Average total loans | $290,699,250 | 1,762 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 2,988 |
| Cost of funding earning assets | 0.1058% | 4,132 |
| Net interest margin | 3.1150% | 2,487 |
| Noninterest income to average assets | 0.6687% | 1,469 |
| Noninterest expense to average assets | 2.9045% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5488% | 3,766 |
| Return on assets (ROA) | 0.5488% | 3,717 |
| Pretax return on assets | 0.7256% | 3,515 |
| Return on Equity (ROE) | 8.1864% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.1864% | 1,552 |
| Net charge-offs to loans | -0.0007% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0124% | 946 |
| Assets per employee ($millions) | 6.3690% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,102 |
| Loan loss allowance to noncurrent loans | 751.5152% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 3,040 |
| Noncurrent loans to loans | 0.1484% | 2,955 |
| Net loans and leases to total assets | 64.1174% | 1,902 |
| Net loans and leases to deposits | 68.7789% | 2,320 |
| Net loans and leases to core deposits | 71.1478% | 2,407 |
| Total domestic deposits to total assets | 93.2225% | 462 |
| Equity capital to assets | 5.8134% | 4,268 |
| Core capital (leverage) ratio | 7.7824% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8322% | 1,754 |
| Memoranda: | ||
| Average total assets | $443,518,667 | 1,893 |
| Average earning assets | $421,643,333 | 1,878 |
| Average equity | $29,732,333 | 2,431 |
| Average total loans | $289,442,667 | 1,756 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 2,350 |
| Cost of funding earning assets | 0.1055% | 4,063 |
| Net interest margin | 3.2066% | 1,865 |
| Noninterest income to average assets | 0.7071% | 1,295 |
| Noninterest expense to average assets | 2.9261% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6239% | 3,317 |
| Return on assets (ROA) | 0.6239% | 3,296 |
| Pretax return on assets | 0.8328% | 3,004 |
| Return on Equity (ROE) | 8.7233% | 2,425 |
| Retained earnings to average equity (ytd only) | 8.7233% | 1,357 |
| Net charge-offs to loans | -0.0014% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8446% | 1,326 |
| Assets per employee ($millions) | 6.2900% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,251 |
| Loan loss allowance to noncurrent loans | 384.2670% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,505 |
| Noncurrent loans to loans | 0.2909% | 2,429 |
| Net loans and leases to total assets | 63.8646% | 1,639 |
| Net loans and leases to deposits | 69.0749% | 2,044 |
| Net loans and leases to core deposits | 71.5125% | 2,152 |
| Total domestic deposits to total assets | 92.4570% | 416 |
| Equity capital to assets | 6.6431% | 4,366 |
| Core capital (leverage) ratio | 7.9043% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9781% | 1,801 |
| Memoranda: | ||
| Average total assets | $442,363,500 | 1,904 |
| Average earning assets | $421,001,000 | 1,883 |
| Average equity | $31,639,500 | 2,406 |
| Average total loans | $289,625,000 | 1,740 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 3,585 |
| Cost of funding earning assets | 0.1532% | 3,938 |
| Net interest margin | 2.9950% | 3,204 |
| Noninterest income to average assets | 0.8788% | 1,259 |
| Noninterest expense to average assets | 3.0279% | 942 |
| Loan and lease loss provision to assets | 0.0311% | 2,435 |
| Net operating income to assets | 0.5143% | 4,055 |
| Return on assets (ROA) | 0.5143% | 4,102 |
| Pretax return on assets | 0.6772% | 3,976 |
| Return on Equity (ROE) | 6.4531% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.4531% | 2,154 |
| Net charge-offs to loans | -0.0374% | 4,198 |
| Credit loss provision to net charge-offs | -119.2661% | 3,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0423% | 745 |
| Assets per employee ($millions) | 6.0019% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,322 |
| Loan loss allowance to noncurrent loans | 325.2270% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,424 |
| Noncurrent loans to loans | 0.3408% | 2,356 |
| Net loans and leases to total assets | 65.6393% | 1,516 |
| Net loans and leases to deposits | 71.8321% | 1,925 |
| Net loans and leases to core deposits | 74.5032% | 2,036 |
| Total domestic deposits to total assets | 91.3788% | 355 |
| Equity capital to assets | 7.6715% | 4,515 |
| Core capital (leverage) ratio | 7.8928% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9298% | 1,876 |
| Memoranda: | ||
| Average total assets | $418,052,200 | 1,935 |
| Average earning assets | $398,834,400 | 1,912 |
| Average equity | $33,317,200 | 2,369 |
| Average total loans | $291,200,600 | 1,743 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 3,618 |
| Cost of funding earning assets | 0.1669% | 3,953 |
| Net interest margin | 3.0261% | 3,245 |
| Noninterest income to average assets | 0.9064% | 1,242 |
| Noninterest expense to average assets | 3.0202% | 934 |
| Loan and lease loss provision to assets | 0.0419% | 2,158 |
| Net operating income to assets | 0.5526% | 4,094 |
| Return on assets (ROA) | 0.5526% | 4,139 |
| Pretax return on assets | 0.7299% | 4,014 |
| Return on Equity (ROE) | 6.8663% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.8663% | 2,469 |
| Net charge-offs to loans | -0.0499% | 4,354 |
| Credit loss provision to net charge-offs | -119.2661% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6459% | 768 |
| Assets per employee ($millions) | 5.9825% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,506 |
| Loan loss allowance to noncurrent loans | 380.5195% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 2,798 |
| Noncurrent loans to loans | 0.2851% | 2,772 |
| Net loans and leases to total assets | 69.1823% | 1,168 |
| Net loans and leases to deposits | 76.3829% | 1,637 |
| Net loans and leases to core deposits | 79.5376% | 1,778 |
| Total domestic deposits to total assets | 90.5730% | 521 |
| Equity capital to assets | 7.9619% | 4,540 |
| Core capital (leverage) ratio | 7.8966% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0330% | 1,957 |
| Memoranda: | ||
| Average total assets | $413,030,250 | 1,964 |
| Average earning assets | $393,847,750 | 1,945 |
| Average equity | $33,243,500 | 2,403 |
| Average total loans | $291,297,000 | 1,770 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2676% | 3,515 |
| Cost of funding earning assets | 0.1728% | 4,014 |
| Net interest margin | 3.0948% | 3,049 |
| Noninterest income to average assets | 0.9210% | 1,212 |
| Noninterest expense to average assets | 3.0969% | 847 |
| Loan and lease loss provision to assets | 0.0636% | 1,766 |
| Net operating income to assets | 0.5397% | 4,136 |
| Return on assets (ROA) | 0.5397% | 4,182 |
| Pretax return on assets | 0.7113% | 4,045 |
| Return on Equity (ROE) | 6.6804% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.6804% | 2,551 |
| Net charge-offs to loans | -0.0753% | 4,529 |
| Credit loss provision to net charge-offs | -119.2661% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9874% | 782 |
| Assets per employee ($millions) | 5.9181% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,397 |
| Loan loss allowance to noncurrent loans | 407.4589% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 3,032 |
| Noncurrent loans to loans | 0.2706% | 2,967 |
| Net loans and leases to total assets | 67.8383% | 1,466 |
| Net loans and leases to deposits | 74.4454% | 1,963 |
| Net loans and leases to core deposits | 77.2443% | 2,116 |
| Total domestic deposits to total assets | 91.1249% | 339 |
| Equity capital to assets | 7.8404% | 4,614 |
| Core capital (leverage) ratio | 7.9022% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0190% | 1,966 |
| Memoranda: | ||
| Average total assets | $409,120,667 | 1,974 |
| Average earning assets | $390,075,333 | 1,953 |
| Average equity | $33,051,667 | 2,403 |
| Average total loans | $289,369,000 | 1,786 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3251% | 3,394 |
| Cost of funding earning assets | 0.1802% | 4,079 |
| Net interest margin | 3.1449% | 2,860 |
| Noninterest income to average assets | 0.9245% | 1,268 |
| Noninterest expense to average assets | 3.0083% | 979 |
| Loan and lease loss provision to assets | 0.0998% | 1,352 |
| Net operating income to assets | 0.6120% | 3,907 |
| Return on assets (ROA) | 0.6120% | 3,976 |
| Pretax return on assets | 0.8127% | 3,787 |
| Return on Equity (ROE) | 7.4589% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.4589% | 2,431 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7252% | 1,066 |
| Assets per employee ($millions) | 5.8683% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,634 |
| Loan loss allowance to noncurrent loans | 382.9814% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 3,186 |
| Noncurrent loans to loans | 0.2750% | 3,116 |
| Net loans and leases to total assets | 70.5094% | 1,226 |
| Net loans and leases to deposits | 77.5093% | 1,759 |
| Net loans and leases to core deposits | 80.6538% | 1,943 |
| Total domestic deposits to total assets | 90.9689% | 405 |
| Equity capital to assets | 8.0018% | 4,485 |
| Core capital (leverage) ratio | 8.2266% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4402% | 1,760 |
| Memoranda: | ||
| Average total assets | $400,631,000 | 1,989 |
| Average earning assets | $381,701,000 | 1,968 |
| Average equity | $32,873,500 | 2,403 |
| Average total loans | $287,912,500 | 1,797 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 3,546 |
| Cost of funding earning assets | 0.3343% | 3,955 |
| Net interest margin | 3.3784% | 2,838 |
| Noninterest income to average assets | 1.1584% | 812 |
| Noninterest expense to average assets | 3.2504% | 969 |
| Loan and lease loss provision to assets | 0.1800% | 2,143 |
| Net operating income to assets | 0.7002% | 3,434 |
| Return on assets (ROA) | 0.7080% | 3,542 |
| Pretax return on assets | 0.9319% | 3,276 |
| Return on Equity (ROE) | 8.2053% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.2053% | 993 |
| Net charge-offs to loans | 0.0296% | 2,438 |
| Credit loss provision to net charge-offs | 809.8765% | 893 |
| Earnings coverage of net charge-offs (x) | 49.5926% | 1,207 |
| Efficiency ratio | 74.6817% | 1,367 |
| Assets per employee ($millions) | 5.6591% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,670 |
| Loan loss allowance to noncurrent loans | 489.0164% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,493 |
| Noncurrent loans to loans | 0.2155% | 3,430 |
| Net loans and leases to total assets | 71.7371% | 1,322 |
| Net loans and leases to deposits | 79.1784% | 1,961 |
| Net loans and leases to core deposits | 82.4512% | 2,159 |
| Total domestic deposits to total assets | 90.6018% | 337 |
| Equity capital to assets | 8.4196% | 4,501 |
| Core capital (leverage) ratio | 8.5280% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1349% | 1,812 |
| Memoranda: | ||
| Average total assets | $364,540,200 | 1,985 |
| Average earning assets | $344,625,800 | 1,958 |
| Average equity | $31,455,200 | 2,410 |
| Average total loans | $274,081,400 | 1,807 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 3,451 |
| Cost of funding earning assets | 0.3771% | 3,925 |
| Net interest margin | 3.4580% | 2,731 |
| Noninterest income to average assets | 1.2460% | 702 |
| Noninterest expense to average assets | 3.2609% | 968 |
| Loan and lease loss provision to assets | 0.1885% | 2,098 |
| Net operating income to assets | 0.8013% | 3,083 |
| Return on assets (ROA) | 0.8110% | 3,172 |
| Pretax return on assets | 1.0732% | 2,838 |
| Return on Equity (ROE) | 9.3375% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.3375% | 896 |
| Net charge-offs to loans | -0.0132% | 4,299 |
| Credit loss provision to net charge-offs | -1,874.0741% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3002% | 1,609 |
| Assets per employee ($millions) | 5.5022% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,339 |
| Loan loss allowance to noncurrent loans | 566.6667% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,713 |
| Noncurrent loans to loans | 0.1895% | 3,634 |
| Net loans and leases to total assets | 73.4846% | 1,435 |
| Net loans and leases to deposits | 81.6745% | 2,132 |
| Net loans and leases to core deposits | 85.4886% | 2,343 |
| Total domestic deposits to total assets | 89.9725% | 433 |
| Equity capital to assets | 8.8280% | 4,233 |
| Core capital (leverage) ratio | 8.5564% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6372% | 1,614 |
| Memoranda: | ||
| Average total assets | $358,055,000 | 1,988 |
| Average earning assets | $337,994,000 | 1,964 |
| Average equity | $31,099,750 | 2,419 |
| Average total loans | $271,826,250 | 1,807 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,533 |
| Cost of funding earning assets | 0.4384% | 3,855 |
| Net interest margin | 3.4916% | 2,816 |
| Noninterest income to average assets | 1.1063% | 810 |
| Noninterest expense to average assets | 3.3211% | 957 |
| Loan and lease loss provision to assets | 0.2008% | 2,043 |
| Net operating income to assets | 0.6685% | 3,508 |
| Return on assets (ROA) | 0.6832% | 3,556 |
| Pretax return on assets | 0.8919% | 3,337 |
| Return on Equity (ROE) | 7.9103% | 2,784 |
| Retained earnings to average equity (ytd only) | 7.9103% | 1,335 |
| Net charge-offs to loans | -0.0243% | 4,469 |
| Credit loss provision to net charge-offs | -1,078.7879% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5615% | 1,303 |
| Assets per employee ($millions) | 5.3489% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,535 |
| Loan loss allowance to noncurrent loans | 535.8238% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,810 |
| Noncurrent loans to loans | 0.1879% | 3,709 |
| Net loans and leases to total assets | 74.4979% | 1,341 |
| Net loans and leases to deposits | 82.5765% | 2,143 |
| Net loans and leases to core deposits | 86.4071% | 2,405 |
| Total domestic deposits to total assets | 90.2168% | 341 |
| Equity capital to assets | 8.5490% | 4,448 |
| Core capital (leverage) ratio | 8.5004% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6691% | 1,581 |
| Memoranda: | ||
| Average total assets | $354,524,667 | 1,986 |
| Average earning assets | $333,943,000 | 1,963 |
| Average equity | $30,618,333 | 2,434 |
| Average total loans | $271,155,333 | 1,791 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,576 |
| Cost of funding earning assets | 0.5354% | 3,768 |
| Net interest margin | 3.5459% | 2,828 |
| Noninterest income to average assets | 0.8916% | 1,084 |
| Noninterest expense to average assets | 3.2990% | 1,229 |
| Loan and lease loss provision to assets | 0.1728% | 1,709 |
| Net operating income to assets | 0.5792% | 3,662 |
| Return on assets (ROA) | 0.6001% | 3,651 |
| Pretax return on assets | 0.7798% | 3,467 |
| Return on Equity (ROE) | 6.9118% | 2,989 |
| Retained earnings to average equity (ytd only) | 6.9118% | 1,573 |
| Net charge-offs to loans | -0.0448% | 4,597 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0807% | 1,323 |
| Assets per employee ($millions) | 5.2490% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,883 |
| Loan loss allowance to noncurrent loans | 354.6575% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,647 |
| Noncurrent loans to loans | 0.2712% | 3,525 |
| Net loans and leases to total assets | 75.8014% | 1,332 |
| Net loans and leases to deposits | 88.7183% | 1,674 |
| Net loans and leases to core deposits | 93.4178% | 2,023 |
| Total domestic deposits to total assets | 85.4405% | 2,235 |
| Equity capital to assets | 8.7025% | 4,738 |
| Core capital (leverage) ratio | 8.7194% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0102% | 2,281 |
| Memoranda: | ||
| Average total assets | $347,251,500 | 1,971 |
| Average earning assets | $326,457,000 | 1,950 |
| Average equity | $30,151,500 | 2,442 |
| Average total loans | $267,859,500 | 1,767 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 4,109 |
| Cost of funding earning assets | 0.5766% | 3,736 |
| Net interest margin | 3.4915% | 3,477 |
| Noninterest income to average assets | 0.9399% | 1,096 |
| Noninterest expense to average assets | 3.4196% | 1,076 |
| Loan and lease loss provision to assets | 0.0429% | 3,148 |
| Net operating income to assets | 0.5814% | 4,220 |
| Return on assets (ROA) | 0.5847% | 4,263 |
| Pretax return on assets | 0.7520% | 4,076 |
| Return on Equity (ROE) | 6.7415% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.7415% | 1,507 |
| Net charge-offs to loans | 0.0580% | 2,271 |
| Credit loss provision to net charge-offs | 96.5753% | 2,563 |
| Earnings coverage of net charge-offs (x) | 17.8082% | 2,089 |
| Efficiency ratio | 81.2220% | 853 |
| Assets per employee ($millions) | 4.9684% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,943 |
| Loan loss allowance to noncurrent loans | 370.0461% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,698 |
| Noncurrent loans to loans | 0.2442% | 3,570 |
| Net loans and leases to total assets | 77.0493% | 1,253 |
| Net loans and leases to deposits | 92.1257% | 1,354 |
| Net loans and leases to core deposits | 98.1999% | 1,710 |
| Total domestic deposits to total assets | 83.6349% | 2,981 |
| Equity capital to assets | 8.6628% | 4,845 |
| Core capital (leverage) ratio | 8.8211% | 4,654 |
| Tier 1 risk-based capital ratio | 13.5512% | 3,490 |
| Total risk-based capital ratio | 14.6694% | 3,448 |
| Memoranda: | ||
| Average total assets | $328,866,800 | 1,992 |
| Average earning assets | $308,031,000 | 1,978 |
| Average equity | $28,524,800 | 2,470 |
| Average total loans | $251,608,400 | 1,821 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 4,174 |
| Cost of funding earning assets | 0.5755% | 3,794 |
| Net interest margin | 3.5155% | 3,522 |
| Noninterest income to average assets | 0.8826% | 1,179 |
| Noninterest expense to average assets | 3.3679% | 1,144 |
| Loan and lease loss provision to assets | 0.0455% | 2,994 |
| Net operating income to assets | 0.5966% | 4,300 |
| Return on assets (ROA) | 0.5966% | 4,353 |
| Pretax return on assets | 0.7609% | 4,211 |
| Return on Equity (ROE) | 6.8763% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.8763% | 1,922 |
| Net charge-offs to loans | 0.0785% | 1,700 |
| Credit loss provision to net charge-offs | 76.0274% | 2,552 |
| Earnings coverage of net charge-offs (x) | 13.4796% | 2,291 |
| Efficiency ratio | 80.6813% | 863 |
| Assets per employee ($millions) | 4.8023% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,906 |
| Loan loss allowance to noncurrent loans | 496.6597% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,017 |
| Noncurrent loans to loans | 0.1880% | 3,864 |
| Net loans and leases to total assets | 76.1575% | 1,448 |
| Net loans and leases to deposits | 90.2571% | 1,670 |
| Net loans and leases to core deposits | 96.6463% | 1,948 |
| Total domestic deposits to total assets | 84.3784% | 2,686 |
| Equity capital to assets | 8.8716% | 4,841 |
| Core capital (leverage) ratio | 8.7085% | 4,832 |
| Tier 1 risk-based capital ratio | 13.8135% | 3,417 |
| Total risk-based capital ratio | 14.9574% | 3,382 |
| Memoranda: | ||
| Average total assets | $325,378,000 | 2,016 |
| Average earning assets | $304,660,500 | 2,004 |
| Average equity | $28,231,500 | 2,502 |
| Average total loans | $247,872,750 | 1,849 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 4,168 |
| Cost of funding earning assets | 0.5638% | 3,816 |
| Net interest margin | 3.5337% | 3,489 |
| Noninterest income to average assets | 0.8479% | 1,212 |
| Noninterest expense to average assets | 3.3712% | 1,153 |
| Loan and lease loss provision to assets | 0.0501% | 2,818 |
| Net operating income to assets | 0.5720% | 4,380 |
| Return on assets (ROA) | 0.5739% | 4,412 |
| Pretax return on assets | 0.7354% | 4,247 |
| Return on Equity (ROE) | 6.6659% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.6659% | 1,970 |
| Net charge-offs to loans | -0.0024% | 3,995 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1523% | 871 |
| Assets per employee ($millions) | 4.8165% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,621 |
| Loan loss allowance to noncurrent loans | 366.8135% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,746 |
| Noncurrent loans to loans | 0.2726% | 3,554 |
| Net loans and leases to total assets | 75.5092% | 1,625 |
| Net loans and leases to deposits | 87.2791% | 2,089 |
| Net loans and leases to core deposits | 92.5086% | 2,365 |
| Total domestic deposits to total assets | 86.5147% | 1,812 |
| Equity capital to assets | 8.7867% | 4,907 |
| Core capital (leverage) ratio | 8.7034% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5663% | 3,540 |
| Total risk-based capital ratio | 14.7673% | 3,473 |
| Memoranda: | ||
| Average total assets | $323,383,330 | 2,032 |
| Average earning assets | $302,575,000 | 2,021 |
| Average equity | $27,843,000 | 2,519 |
| Average total loans | $245,585,000 | 1,871 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 4,153 |
| Cost of funding earning assets | 0.6511% | 3,318 |
| Net interest margin | 3.4394% | 3,776 |
| Noninterest income to average assets | 0.8142% | 1,258 |
| Noninterest expense to average assets | 3.2877% | 1,315 |
| Loan and lease loss provision to assets | 0.0573% | 2,517 |
| Net operating income to assets | 0.6025% | 4,238 |
| Return on assets (ROA) | 0.6025% | 4,275 |
| Pretax return on assets | 0.6847% | 4,334 |
| Return on Equity (ROE) | 7.0720% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.0720% | 2,008 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5879% | 913 |
| Assets per employee ($millions) | 4.7156% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,678 |
| Loan loss allowance to noncurrent loans | 354.9784% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,771 |
| Noncurrent loans to loans | 0.2828% | 3,548 |
| Net loans and leases to total assets | 74.5692% | 1,709 |
| Net loans and leases to deposits | 87.7988% | 1,901 |
| Net loans and leases to core deposits | 92.2394% | 2,279 |
| Total domestic deposits to total assets | 84.9319% | 2,703 |
| Equity capital to assets | 8.5249% | 4,971 |
| Core capital (leverage) ratio | 8.6851% | 4,882 |
| Tier 1 risk-based capital ratio | 13.9360% | 3,371 |
| Total risk-based capital ratio | 15.1678% | 3,302 |
| Memoranda: | ||
| Average total assets | $321,315,500 | 2,056 |
| Average earning assets | $300,402,500 | 2,047 |
| Average equity | $27,375,500 | 2,551 |
| Average total loans | $243,475,000 | 1,897 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 4,351 |
| Cost of funding earning assets | 0.3810% | 4,100 |
| Net interest margin | 3.4849% | 3,753 |
| Noninterest income to average assets | 0.8860% | 1,210 |
| Noninterest expense to average assets | 3.4986% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5145% | 4,631 |
| Return on assets (ROA) | 0.5190% | 4,620 |
| Pretax return on assets | 0.6510% | 4,532 |
| Return on Equity (ROE) | 6.0948% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.0948% | 2,146 |
| Net charge-offs to loans | 0.0009% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 987.5000% | 108 |
| Efficiency ratio | 84.4243% | 626 |
| Assets per employee ($millions) | 4.7351% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,710 |
| Loan loss allowance to noncurrent loans | 463.3397% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 4,006 |
| Noncurrent loans to loans | 0.2154% | 3,809 |
| Net loans and leases to total assets | 75.4742% | 1,701 |
| Net loans and leases to deposits | 90.2004% | 1,772 |
| Net loans and leases to core deposits | 94.9147% | 2,150 |
| Total domestic deposits to total assets | 83.6740% | 3,094 |
| Equity capital to assets | 8.5146% | 4,926 |
| Core capital (leverage) ratio | 8.7712% | 4,830 |
| Tier 1 risk-based capital ratio | 13.8236% | 3,372 |
| Total risk-based capital ratio | 15.0439% | 3,318 |
| Memoranda: | ||
| Average total assets | $305,978,200 | 2,116 |
| Average earning assets | $286,059,200 | 2,095 |
| Average equity | $26,055,200 | 2,565 |
| Average total loans | $227,250,800 | 1,972 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 4,423 |
| Cost of funding earning assets | 0.3414% | 4,241 |
| Net interest margin | 3.4665% | 3,814 |
| Noninterest income to average assets | 0.8990% | 1,204 |
| Noninterest expense to average assets | 3.4793% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5275% | 4,702 |
| Return on assets (ROA) | 0.5335% | 4,692 |
| Pretax return on assets | 0.6694% | 4,608 |
| Return on Equity (ROE) | 6.2647% | 4,183 |
| Retained earnings to average equity (ytd only) | 6.2647% | 2,511 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0166% | 638 |
| Assets per employee ($millions) | 4.5553% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,601 |
| Loan loss allowance to noncurrent loans | 929.6154% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,557 |
| Noncurrent loans to loans | 0.1105% | 4,392 |
| Net loans and leases to total assets | 74.0605% | 1,970 |
| Net loans and leases to deposits | 87.3109% | 2,232 |
| Net loans and leases to core deposits | 90.6346% | 2,600 |
| Total domestic deposits to total assets | 84.8239% | 2,679 |
| Equity capital to assets | 8.2920% | 5,039 |
| Core capital (leverage) ratio | 8.9107% | 4,790 |
| Tier 1 risk-based capital ratio | 13.8325% | 3,453 |
| Total risk-based capital ratio | 15.0721% | 3,367 |
| Memoranda: | ||
| Average total assets | $303,159,250 | 2,141 |
| Average earning assets | $283,548,250 | 2,125 |
| Average equity | $25,815,750 | 2,592 |
| Average total loans | $223,598,750 | 2,001 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,385 |
| Cost of funding earning assets | 0.3169% | 4,293 |
| Net interest margin | 3.4655% | 3,750 |
| Noninterest income to average assets | 0.8997% | 1,184 |
| Noninterest expense to average assets | 3.5586% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4730% | 4,814 |
| Return on assets (ROA) | 0.4822% | 4,791 |
| Pretax return on assets | 0.5951% | 4,745 |
| Return on Equity (ROE) | 5.6114% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.6114% | 2,765 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9078% | 576 |
| Assets per employee ($millions) | 4.4860% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,437 |
| Loan loss allowance to noncurrent loans | 385.9425% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 3,980 |
| Noncurrent loans to loans | 0.2772% | 3,714 |
| Net loans and leases to total assets | 73.2267% | 2,086 |
| Net loans and leases to deposits | 85.9045% | 2,325 |
| Net loans and leases to core deposits | 89.1966% | 2,631 |
| Total domestic deposits to total assets | 85.2419% | 2,582 |
| Equity capital to assets | 8.4682% | 4,969 |
| Core capital (leverage) ratio | 8.9163% | 4,755 |
| Tier 1 risk-based capital ratio | 13.8515% | 3,435 |
| Total risk-based capital ratio | 15.1015% | 3,347 |
| Memoranda: | ||
| Average total assets | $299,440,330 | 2,174 |
| Average earning assets | $280,187,000 | 2,158 |
| Average equity | $25,733,330 | 2,611 |
| Average total loans | $219,731,330 | 2,035 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,401 |
| Cost of funding earning assets | 0.3011% | 4,345 |
| Net interest margin | 3.4305% | 3,775 |
| Noninterest income to average assets | 0.8671% | 1,239 |
| Noninterest expense to average assets | 3.4615% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4827% | 4,735 |
| Return on assets (ROA) | 0.4827% | 4,739 |
| Pretax return on assets | 0.6162% | 4,652 |
| Return on Equity (ROE) | 5.5755% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.5755% | 2,916 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8876% | 726 |
| Assets per employee ($millions) | 4.4278% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,307 |
| Loan loss allowance to noncurrent loans | 181.1094% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 3,047 |
| Noncurrent loans to loans | 0.6139% | 2,703 |
| Net loans and leases to total assets | 72.4346% | 2,099 |
| Net loans and leases to deposits | 82.0038% | 2,595 |
| Net loans and leases to core deposits | 85.2117% | 2,869 |
| Total domestic deposits to total assets | 88.3308% | 1,444 |
| Equity capital to assets | 8.6213% | 4,884 |
| Core capital (leverage) ratio | 8.9635% | 4,716 |
| Tier 1 risk-based capital ratio | 14.0869% | 3,333 |
| Total risk-based capital ratio | 15.3372% | 3,251 |
| Memoranda: | ||
| Average total assets | $296,637,500 | 2,210 |
| Average earning assets | $277,627,000 | 2,194 |
| Average equity | $25,684,000 | 2,640 |
| Average total loans | $216,701,500 | 2,065 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,487 |
| Cost of funding earning assets | 0.2643% | 4,446 |
| Net interest margin | 3.3726% | 3,927 |
| Noninterest income to average assets | 0.9088% | 1,245 |
| Noninterest expense to average assets | 3.4208% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3619% | 4,804 |
| Return on assets (ROA) | 0.3619% | 4,823 |
| Pretax return on assets | 0.6390% | 4,651 |
| Return on Equity (ROE) | 4.1088% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.1088% | 2,702 |
| Net charge-offs to loans | -0.0014% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2604% | 746 |
| Assets per employee ($millions) | 4.4271% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,252 |
| Loan loss allowance to noncurrent loans | 243.7941% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,530 |
| Noncurrent loans to loans | 0.4586% | 3,136 |
| Net loans and leases to total assets | 72.0417% | 2,227 |
| Net loans and leases to deposits | 83.8641% | 2,506 |
| Net loans and leases to core deposits | 86.8829% | 2,837 |
| Total domestic deposits to total assets | 85.9028% | 2,485 |
| Equity capital to assets | 8.6955% | 4,959 |
| Core capital (leverage) ratio | 8.8453% | 4,815 |
| Tier 1 risk-based capital ratio | 14.3472% | 3,175 |
| Total risk-based capital ratio | 15.5968% | 3,079 |
| Memoranda: | ||
| Average total assets | $288,730,600 | 2,233 |
| Average earning assets | $269,762,400 | 2,209 |
| Average equity | $25,433,000 | 2,649 |
| Average total loans | $208,926,200 | 2,086 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 4,571 |
| Cost of funding earning assets | 0.2534% | 4,538 |
| Net interest margin | 3.3429% | 4,038 |
| Noninterest income to average assets | 0.9136% | 1,231 |
| Noninterest expense to average assets | 3.4430% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4338% | 4,920 |
| Return on assets (ROA) | 0.4338% | 4,951 |
| Pretax return on assets | 0.5924% | 4,860 |
| Return on Equity (ROE) | 4.9085% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.9085% | 2,947 |
| Net charge-offs to loans | 0.0013% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 636.1873% | 162 |
| Efficiency ratio | 85.3209% | 665 |
| Assets per employee ($millions) | 4.4395% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,294 |
| Loan loss allowance to noncurrent loans | 196.9771% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,355 |
| Noncurrent loans to loans | 0.5751% | 2,973 |
| Net loans and leases to total assets | 71.8180% | 2,279 |
| Net loans and leases to deposits | 83.3181% | 2,624 |
| Net loans and leases to core deposits | 86.2021% | 2,945 |
| Total domestic deposits to total assets | 86.1974% | 2,233 |
| Equity capital to assets | 8.8478% | 5,034 |
| Core capital (leverage) ratio | 8.9575% | 4,788 |
| Tier 1 risk-based capital ratio | 14.3553% | 3,263 |
| Total risk-based capital ratio | 15.6060% | 3,175 |
| Memoranda: | ||
| Average total assets | $286,760,000 | 2,259 |
| Average earning assets | $267,787,250 | 2,236 |
| Average equity | $25,343,250 | 2,676 |
| Average total loans | $207,132,500 | 2,112 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,573 |
| Cost of funding earning assets | 0.2461% | 4,577 |
| Net interest margin | 3.3300% | 4,018 |
| Noninterest income to average assets | 0.8958% | 1,284 |
| Noninterest expense to average assets | 3.4706% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3976% | 4,981 |
| Return on assets (ROA) | 0.3976% | 5,010 |
| Pretax return on assets | 0.5339% | 4,946 |
| Return on Equity (ROE) | 4.5011% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.5011% | 3,029 |
| Net charge-offs to loans | 0.0019% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 223 |
| Efficiency ratio | 86.6667% | 640 |
| Assets per employee ($millions) | 4.4690% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,239 |
| Loan loss allowance to noncurrent loans | 160.9479% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 3,046 |
| Noncurrent loans to loans | 0.7216% | 2,585 |
| Net loans and leases to total assets | 70.6341% | 2,424 |
| Net loans and leases to deposits | 81.1591% | 2,787 |
| Net loans and leases to core deposits | 83.7445% | 3,097 |
| Total domestic deposits to total assets | 87.0316% | 1,939 |
| Equity capital to assets | 8.8308% | 5,046 |
| Core capital (leverage) ratio | 8.9787% | 4,748 |
| Tier 1 risk-based capital ratio | 14.5529% | 3,133 |
| Total risk-based capital ratio | 15.8048% | 3,055 |
| Memoranda: | ||
| Average total assets | $284,676,670 | 2,281 |
| Average earning assets | $265,768,330 | 2,263 |
| Average equity | $25,149,330 | 2,695 |
| Average total loans | $205,228,330 | 2,125 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 4,552 |
| Cost of funding earning assets | 0.2369% | 4,664 |
| Net interest margin | 3.3138% | 3,961 |
| Noninterest income to average assets | 0.8603% | 1,364 |
| Noninterest expense to average assets | 3.4169% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3989% | 4,943 |
| Return on assets (ROA) | 0.3989% | 4,970 |
| Pretax return on assets | 0.5409% | 4,864 |
| Return on Equity (ROE) | 4.5144% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.5144% | 3,164 |
| Net charge-offs to loans | 0.0039% | 2,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 297 |
| Efficiency ratio | 86.3343% | 781 |
| Assets per employee ($millions) | 4.5098% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,275 |
| Loan loss allowance to noncurrent loans | 127.0954% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 2,626 |
| Noncurrent loans to loans | 0.9262% | 2,188 |
| Net loans and leases to total assets | 71.2370% | 2,179 |
| Net loans and leases to deposits | 80.7522% | 2,645 |
| Net loans and leases to core deposits | 83.3683% | 2,958 |
| Total domestic deposits to total assets | 88.2167% | 1,584 |
| Equity capital to assets | 8.8433% | 4,962 |
| Core capital (leverage) ratio | 9.0269% | 4,702 |
| Tier 1 risk-based capital ratio | 14.4132% | 3,250 |
| Total risk-based capital ratio | 15.6650% | 3,174 |
| Memoranda: | ||
| Average total assets | $281,773,500 | 2,316 |
| Average earning assets | $263,383,000 | 2,293 |
| Average equity | $24,898,000 | 2,719 |
| Average total loans | $204,047,000 | 2,144 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 4,498 |
| Cost of funding earning assets | 0.2394% | 4,660 |
| Net interest margin | 3.3631% | 3,949 |
| Noninterest income to average assets | 1.0462% | 1,030 |
| Noninterest expense to average assets | 3.4140% | 1,323 |
| Loan and lease loss provision to assets | 0.0363% | 3,637 |
| Net operating income to assets | 0.5273% | 4,520 |
| Return on assets (ROA) | 0.5309% | 4,599 |
| Pretax return on assets | 0.7434% | 4,362 |
| Return on Equity (ROE) | 5.9737% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.9737% | 1,719 |
| Net charge-offs to loans | 0.0577% | 2,893 |
| Credit loss provision to net charge-offs | 87.7193% | 2,844 |
| Earnings coverage of net charge-offs (x) | 18.7105% | 1,952 |
| Efficiency ratio | 81.5068% | 1,258 |
| Assets per employee ($millions) | 4.2990% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 3,198 |
| Loan loss allowance to noncurrent loans | 111.6096% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 2,416 |
| Noncurrent loans to loans | 1.0635% | 1,951 |
| Net loans and leases to total assets | 71.8869% | 2,183 |
| Net loans and leases to deposits | 82.8668% | 2,563 |
| Net loans and leases to core deposits | 85.3596% | 2,898 |
| Total domestic deposits to total assets | 86.7499% | 2,262 |
| Equity capital to assets | 8.8290% | 4,984 |
| Core capital (leverage) ratio | 8.8950% | 4,858 |
| Tier 1 risk-based capital ratio | 14.3367% | 3,262 |
| Total risk-based capital ratio | 15.5888% | 3,194 |
| Memoranda: | ||
| Average total assets | $275,368,800 | 2,315 |
| Average earning assets | $257,293,600 | 2,299 |
| Average equity | $24,473,800 | 2,763 |
| Average total loans | $197,471,000 | 2,135 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,549 |
| Cost of funding earning assets | 0.2381% | 4,724 |
| Net interest margin | 3.3640% | 3,976 |
| Noninterest income to average assets | 1.0215% | 1,103 |
| Noninterest expense to average assets | 3.3985% | 1,342 |
| Loan and lease loss provision to assets | 0.0267% | 3,709 |
| Net operating income to assets | 0.5432% | 4,522 |
| Return on assets (ROA) | 0.5482% | 4,613 |
| Pretax return on assets | 0.7474% | 4,480 |
| Return on Equity (ROE) | 6.1576% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.1576% | 2,085 |
| Net charge-offs to loans | 0.0619% | 2,474 |
| Credit loss provision to net charge-offs | 60.4396% | 2,902 |
| Earnings coverage of net charge-offs (x) | 17.3517% | 2,055 |
| Efficiency ratio | 81.5796% | 1,240 |
| Assets per employee ($millions) | 4.2821% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 3,386 |
| Loan loss allowance to noncurrent loans | 106.9799% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 2,570 |
| Noncurrent loans to loans | 1.1007% | 2,051 |
| Net loans and leases to total assets | 71.0016% | 2,348 |
| Net loans and leases to deposits | 82.8546% | 2,628 |
| Net loans and leases to core deposits | 85.1693% | 3,024 |
| Total domestic deposits to total assets | 85.6942% | 2,512 |
| Equity capital to assets | 8.8833% | 5,253 |
| Core capital (leverage) ratio | 8.9331% | 4,905 |
| Tier 1 risk-based capital ratio | 13.5982% | 3,804 |
| Total risk-based capital ratio | 14.8485% | 3,712 |
| Memoranda: | ||
| Average total assets | $274,353,000 | 2,332 |
| Average earning assets | $256,432,000 | 2,314 |
| Average equity | $24,424,500 | 2,787 |
| Average total loans | $196,016,750 | 2,154 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,499 |
| Cost of funding earning assets | 0.2412% | 4,743 |
| Net interest margin | 3.3909% | 3,929 |
| Noninterest income to average assets | 0.9897% | 1,138 |
| Noninterest expense to average assets | 3.4323% | 1,308 |
| Loan and lease loss provision to assets | 0.0405% | 3,347 |
| Net operating income to assets | 0.4963% | 4,694 |
| Return on assets (ROA) | 0.5037% | 4,773 |
| Pretax return on assets | 0.6951% | 4,629 |
| Return on Equity (ROE) | 5.6535% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.6535% | 2,335 |
| Net charge-offs to loans | 0.0744% | 2,119 |
| Credit loss provision to net charge-offs | 76.3889% | 2,406 |
| Earnings coverage of net charge-offs (x) | 13.6806% | 2,109 |
| Efficiency ratio | 82.5540% | 1,209 |
| Assets per employee ($millions) | 4.2390% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 3,185 |
| Loan loss allowance to noncurrent loans | 93.5559% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 2,281 |
| Noncurrent loans to loans | 1.3161% | 1,717 |
| Net loans and leases to total assets | 70.1630% | 2,455 |
| Net loans and leases to deposits | 81.6977% | 2,742 |
| Net loans and leases to core deposits | 83.9236% | 3,090 |
| Total domestic deposits to total assets | 85.8812% | 2,473 |
| Equity capital to assets | 8.9858% | 5,248 |
| Core capital (leverage) ratio | 8.8724% | 4,974 |
| Tier 1 risk-based capital ratio | 13.2793% | 4,030 |
| Total risk-based capital ratio | 14.5305% | 3,945 |
| Memoranda: | ||
| Average total assets | $271,597,670 | 2,369 |
| Average earning assets | $253,741,330 | 2,359 |
| Average equity | $24,197,330 | 2,814 |
| Average total loans | $193,670,670 | 2,178 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6416% | 4,502 |
| Cost of funding earning assets | 0.2481% | 4,729 |
| Net interest margin | 3.3936% | 3,895 |
| Noninterest income to average assets | 0.9272% | 1,243 |
| Noninterest expense to average assets | 3.4151% | 1,351 |
| Loan and lease loss provision to assets | 0.0593% | 2,769 |
| Net operating income to assets | 0.4496% | 4,832 |
| Return on assets (ROA) | 0.4540% | 4,900 |
| Pretax return on assets | 0.6246% | 4,747 |
| Return on Equity (ROE) | 5.1178% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.1178% | 2,862 |
| Net charge-offs to loans | 0.1537% | 1,199 |
| Credit loss provision to net charge-offs | 54.0541% | 2,020 |
| Earnings coverage of net charge-offs (x) | 6.1757% | 2,261 |
| Efficiency ratio | 83.4360% | 1,210 |
| Assets per employee ($millions) | 4.1708% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 3,315 |
| Loan loss allowance to noncurrent loans | 83.9944% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 2,106 |
| Noncurrent loans to loans | 1.4628% | 1,612 |
| Net loans and leases to total assets | 70.9606% | 2,200 |
| Net loans and leases to deposits | 82.7954% | 2,455 |
| Net loans and leases to core deposits | 85.9415% | 2,755 |
| Total domestic deposits to total assets | 85.7061% | 2,807 |
| Equity capital to assets | 8.9063% | 5,260 |
| Core capital (leverage) ratio | 8.8028% | 5,073 |
| Tier 1 risk-based capital ratio | 13.8936% | 3,761 |
| Total risk-based capital ratio | 15.1457% | 3,695 |
| Memoranda: | ||
| Average total assets | $269,629,500 | 2,387 |
| Average earning assets | $251,536,000 | 2,374 |
| Average equity | $23,916,500 | 2,841 |
| Average total loans | $192,639,500 | 2,183 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 4,519 |
| Cost of funding earning assets | 0.2575% | 4,710 |
| Net interest margin | 3.3935% | 3,939 |
| Noninterest income to average assets | 1.0303% | 1,113 |
| Noninterest expense to average assets | 3.5900% | 1,144 |
| Loan and lease loss provision to assets | 0.0463% | 3,401 |
| Net operating income to assets | 0.4191% | 4,991 |
| Return on assets (ROA) | 0.4191% | 5,075 |
| Pretax return on assets | 0.5495% | 4,993 |
| Return on Equity (ROE) | 4.6825% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.6825% | 2,653 |
| Net charge-offs to loans | 0.0425% | 3,370 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 19.3125% | 1,957 |
| Efficiency ratio | 85.7669% | 1,011 |
| Assets per employee ($millions) | 4.1255% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,044 |
| Loan loss allowance to noncurrent loans | 75.5839% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 1,811 |
| Noncurrent loans to loans | 1.6855% | 1,346 |
| Net loans and leases to total assets | 70.1392% | 2,346 |
| Net loans and leases to deposits | 82.3251% | 2,547 |
| Net loans and leases to core deposits | 86.6184% | 2,742 |
| Total domestic deposits to total assets | 85.1979% | 3,003 |
| Equity capital to assets | 8.8336% | 5,280 |
| Core capital (leverage) ratio | 8.8623% | 5,046 |
| Tier 1 risk-based capital ratio | 14.6049% | 3,380 |
| Total risk-based capital ratio | 15.8584% | 3,302 |
| Memoranda: | ||
| Average total assets | $259,334,800 | 2,429 |
| Average earning assets | $241,136,000 | 2,414 |
| Average equity | $23,214,200 | 2,859 |
| Average total loans | $188,165,600 | 2,175 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 4,550 |
| Cost of funding earning assets | 0.2639% | 4,732 |
| Net interest margin | 3.3945% | 3,983 |
| Noninterest income to average assets | 1.0381% | 1,107 |
| Noninterest expense to average assets | 3.5556% | 1,188 |
| Loan and lease loss provision to assets | 0.0415% | 3,383 |
| Net operating income to assets | 0.4465% | 4,987 |
| Return on assets (ROA) | 0.4465% | 5,075 |
| Pretax return on assets | 0.5953% | 4,984 |
| Return on Equity (ROE) | 4.9705% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.9705% | 2,940 |
| Net charge-offs to loans | 0.0320% | 3,285 |
| Credit loss provision to net charge-offs | 177.7778% | 1,481 |
| Earnings coverage of net charge-offs (x) | 27.2882% | 1,590 |
| Efficiency ratio | 84.8114% | 1,098 |
| Assets per employee ($millions) | 4.0221% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 3,184 |
| Loan loss allowance to noncurrent loans | 83.7193% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 2,139 |
| Noncurrent loans to loans | 1.5339% | 1,632 |
| Net loans and leases to total assets | 71.2124% | 2,191 |
| Net loans and leases to deposits | 83.1682% | 2,511 |
| Net loans and leases to core deposits | 87.6016% | 2,697 |
| Total domestic deposits to total assets | 85.6246% | 2,725 |
| Equity capital to assets | 8.9914% | 5,309 |
| Core capital (leverage) ratio | 8.9536% | 5,048 |
| Tier 1 risk-based capital ratio | 14.0937% | 3,799 |
| Total risk-based capital ratio | 15.3468% | 3,735 |
| Memoranda: | ||
| Average total assets | $257,129,000 | 2,463 |
| Average earning assets | $238,928,250 | 2,449 |
| Average equity | $23,095,750 | 2,893 |
| Average total loans | $187,579,250 | 2,195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 4,455 |
| Cost of funding earning assets | 0.2663% | 4,754 |
| Net interest margin | 3.4168% | 3,845 |
| Noninterest income to average assets | 1.0419% | 1,091 |
| Noninterest expense to average assets | 3.6028% | 1,121 |
| Loan and lease loss provision to assets | 0.0313% | 3,497 |
| Net operating income to assets | 0.4318% | 5,033 |
| Return on assets (ROA) | 0.4318% | 5,136 |
| Pretax return on assets | 0.5788% | 5,029 |
| Return on Equity (ROE) | 4.8086% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.8086% | 2,984 |
| Net charge-offs to loans | -0.0021% | 4,595 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5180% | 1,102 |
| Assets per employee ($millions) | 4.0162% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 3,204 |
| Loan loss allowance to noncurrent loans | 127.9094% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 3,010 |
| Noncurrent loans to loans | 1.0223% | 2,600 |
| Net loans and leases to total assets | 71.3262% | 2,102 |
| Net loans and leases to deposits | 82.9813% | 2,439 |
| Net loans and leases to core deposits | 87.2550% | 2,635 |
| Total domestic deposits to total assets | 85.9545% | 2,708 |
| Equity capital to assets | 8.9773% | 5,251 |
| Core capital (leverage) ratio | 8.9395% | 5,042 |
| Tier 1 risk-based capital ratio | 13.3035% | 4,346 |
| Total risk-based capital ratio | 14.5559% | 4,267 |
| Memoranda: | ||
| Average total assets | $255,692,330 | 2,494 |
| Average earning assets | $237,294,670 | 2,485 |
| Average equity | $22,958,670 | 2,916 |
| Average total loans | $187,239,330 | 2,207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,224 |
| Cost of funding earning assets | 0.2725% | 4,757 |
| Net interest margin | 3.4695% | 3,555 |
| Noninterest income to average assets | 1.0070% | 1,109 |
| Noninterest expense to average assets | 3.4915% | 1,330 |
| Loan and lease loss provision to assets | 0.0314% | 3,265 |
| Net operating income to assets | 0.5051% | 4,663 |
| Return on assets (ROA) | 0.5051% | 4,781 |
| Pretax return on assets | 0.6996% | 4,591 |
| Return on Equity (ROE) | 5.6243% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.6243% | 2,702 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6895% | 1,538 |
| Assets per employee ($millions) | 3.9538% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,455 |
| Loan loss allowance to noncurrent loans | 105.7557% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 2,752 |
| Noncurrent loans to loans | 1.2197% | 2,335 |
| Net loans and leases to total assets | 71.6711% | 1,864 |
| Net loans and leases to deposits | 83.7927% | 2,111 |
| Net loans and leases to core deposits | 88.2895% | 2,299 |
| Total domestic deposits to total assets | 85.5338% | 3,158 |
| Equity capital to assets | 8.9934% | 5,300 |
| Core capital (leverage) ratio | 8.8983% | 5,074 |
| Tier 1 risk-based capital ratio | 14.6091% | 3,656 |
| Total risk-based capital ratio | 15.8628% | 3,578 |
| Memoranda: | ||
| Average total assets | $255,020,500 | 2,510 |
| Average earning assets | $236,342,000 | 2,505 |
| Average equity | $22,900,500 | 2,938 |
| Average total loans | $187,977,500 | 2,198 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 4,412 |
| Cost of funding earning assets | 0.3071% | 4,718 |
| Net interest margin | 3.5176% | 3,728 |
| Noninterest income to average assets | 0.9478% | 1,353 |
| Noninterest expense to average assets | 3.6096% | 1,288 |
| Loan and lease loss provision to assets | 0.0921% | 2,624 |
| Net operating income to assets | 0.3712% | 5,320 |
| Return on assets (ROA) | 0.3808% | 5,357 |
| Pretax return on assets | 0.5110% | 5,220 |
| Return on Equity (ROE) | 4.3252% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.3252% | 3,113 |
| Net charge-offs to loans | 0.1653% | 2,382 |
| Credit loss provision to net charge-offs | 73.4824% | 2,992 |
| Earnings coverage of net charge-offs (x) | 4.7093% | 3,582 |
| Efficiency ratio | 85.9458% | 1,177 |
| Assets per employee ($millions) | 3.8340% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 3,662 |
| Loan loss allowance to noncurrent loans | 72.0278% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4666% | 1,873 |
| Noncurrent loans to loans | 1.7502% | 1,652 |
| Net loans and leases to total assets | 73.8877% | 1,599 |
| Net loans and leases to deposits | 87.3731% | 1,805 |
| Net loans and leases to core deposits | 92.1923% | 2,067 |
| Total domestic deposits to total assets | 84.5658% | 3,474 |
| Equity capital to assets | 8.9661% | 5,328 |
| Core capital (leverage) ratio | 8.8849% | 5,141 |
| Tier 1 risk-based capital ratio | 14.3875% | 3,842 |
| Total risk-based capital ratio | 15.6410% | 3,778 |
| Memoranda: | ||
| Average total assets | $249,724,000 | 2,530 |
| Average earning assets | $230,868,200 | 2,513 |
| Average equity | $21,987,200 | 2,950 |
| Average total loans | $189,330,800 | 2,124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 4,403 |
| Cost of funding earning assets | 0.3112% | 4,764 |
| Net interest margin | 3.5297% | 3,716 |
| Noninterest income to average assets | 0.9171% | 1,461 |
| Noninterest expense to average assets | 3.6095% | 1,277 |
| Loan and lease loss provision to assets | 0.0643% | 3,062 |
| Net operating income to assets | 0.3793% | 5,326 |
| Return on assets (ROA) | 0.3921% | 5,355 |
| Pretax return on assets | 0.5228% | 5,256 |
| Return on Equity (ROE) | 4.4745% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.4745% | 3,465 |
| Net charge-offs to loans | 0.0725% | 3,158 |
| Credit loss provision to net charge-offs | 116.5049% | 1,954 |
| Earnings coverage of net charge-offs (x) | 10.3301% | 2,555 |
| Efficiency ratio | 86.3625% | 1,150 |
| Assets per employee ($millions) | 3.7670% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 3,614 |
| Loan loss allowance to noncurrent loans | 59.1720% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 1,603 |
| Noncurrent loans to loans | 2.2055% | 1,377 |
| Net loans and leases to total assets | 75.6502% | 1,265 |
| Net loans and leases to deposits | 88.7364% | 1,585 |
| Net loans and leases to core deposits | 93.5411% | 1,914 |
| Total domestic deposits to total assets | 85.2527% | 3,242 |
| Equity capital to assets | 8.9851% | 5,368 |
| Core capital (leverage) ratio | 8.9019% | 5,194 |
| Tier 1 risk-based capital ratio | 13.9213% | 4,276 |
| Total risk-based capital ratio | 15.1755% | 4,217 |
| Memoranda: | ||
| Average total assets | $248,894,500 | 2,549 |
| Average earning assets | $230,044,750 | 2,539 |
| Average equity | $21,812,000 | 2,968 |
| Average total loans | $189,325,000 | 2,139 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,307 |
| Cost of funding earning assets | 0.3123% | 4,852 |
| Net interest margin | 3.5436% | 3,601 |
| Noninterest income to average assets | 0.9141% | 1,449 |
| Noninterest expense to average assets | 3.5841% | 1,323 |
| Loan and lease loss provision to assets | 0.0643% | 2,984 |
| Net operating income to assets | 0.4016% | 5,215 |
| Return on assets (ROA) | 0.4209% | 5,215 |
| Pretax return on assets | 0.5631% | 5,083 |
| Return on Equity (ROE) | 4.8437% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.8437% | 3,058 |
| Net charge-offs to loans | 0.0614% | 3,102 |
| Credit loss provision to net charge-offs | 137.9310% | 1,542 |
| Earnings coverage of net charge-offs (x) | 12.9138% | 2,023 |
| Efficiency ratio | 85.6266% | 1,304 |
| Assets per employee ($millions) | 3.7143% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 3,781 |
| Loan loss allowance to noncurrent loans | 56.0126% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 1,590 |
| Noncurrent loans to loans | 2.3449% | 1,365 |
| Net loans and leases to total assets | 75.2391% | 1,275 |
| Net loans and leases to deposits | 85.9222% | 1,822 |
| Net loans and leases to core deposits | 90.6775% | 2,058 |
| Total domestic deposits to total assets | 87.5665% | 2,161 |
| Equity capital to assets | 8.8713% | 5,440 |
| Core capital (leverage) ratio | 8.8275% | 5,252 |
| Tier 1 risk-based capital ratio | 13.9922% | 4,262 |
| Total risk-based capital ratio | 15.2462% | 4,201 |
| Memoranda: | ||
| Average total assets | $248,985,330 | 2,552 |
| Average earning assets | $229,881,330 | 2,545 |
| Average equity | $21,636,330 | 2,984 |
| Average total loans | $188,910,000 | 2,140 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 4,171 |
| Cost of funding earning assets | 0.3303% | 4,733 |
| Net interest margin | 3.5500% | 3,481 |
| Noninterest income to average assets | 0.8593% | 1,522 |
| Noninterest expense to average assets | 3.6122% | 1,287 |
| Loan and lease loss provision to assets | 0.1285% | 1,891 |
| Net operating income to assets | 0.3081% | 5,463 |
| Return on assets (ROA) | 0.3662% | 5,316 |
| Pretax return on assets | 0.4738% | 5,247 |
| Return on Equity (ROE) | 4.2585% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.2585% | 3,571 |
| Net charge-offs to loans | 0.1125% | 2,054 |
| Credit loss provision to net charge-offs | 150.9434% | 1,251 |
| Earnings coverage of net charge-offs (x) | 6.1887% | 2,260 |
| Efficiency ratio | 87.2720% | 1,310 |
| Assets per employee ($millions) | 3.7812% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 3,976 |
| Loan loss allowance to noncurrent loans | 46.9537% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2111% | 1,496 |
| Noncurrent loans to loans | 2.8239% | 1,168 |
| Net loans and leases to total assets | 74.4622% | 1,196 |
| Net loans and leases to deposits | 86.1866% | 1,583 |
| Net loans and leases to core deposits | 91.0332% | 1,825 |
| Total domestic deposits to total assets | 86.3964% | 3,159 |
| Equity capital to assets | 8.6533% | 5,493 |
| Core capital (leverage) ratio | 8.7171% | 5,360 |
| Tier 1 risk-based capital ratio | 13.9869% | 4,344 |
| Total risk-based capital ratio | 15.2418% | 4,280 |
| Memoranda: | ||
| Average total assets | $249,048,000 | 2,567 |
| Average earning assets | $230,087,500 | 2,554 |
| Average equity | $21,416,000 | 3,003 |
| Average total loans | $188,499,000 | 2,148 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 4,446 |
| Cost of funding earning assets | 0.4118% | 4,521 |
| Net interest margin | 3.4921% | 3,936 |
| Noninterest income to average assets | 1.1452% | 1,074 |
| Noninterest expense to average assets | 3.6887% | 1,299 |
| Loan and lease loss provision to assets | 0.1527% | 2,370 |
| Net operating income to assets | 0.3897% | 5,178 |
| Return on assets (ROA) | 0.3962% | 5,272 |
| Pretax return on assets | 0.5287% | 5,109 |
| Return on Equity (ROE) | 4.5105% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.5105% | 2,967 |
| Net charge-offs to loans | 0.1775% | 3,053 |
| Credit loss provision to net charge-offs | 113.8462% | 2,122 |
| Earnings coverage of net charge-offs (x) | 5.0154% | 3,405 |
| Efficiency ratio | 84.5761% | 1,566 |
| Assets per employee ($millions) | 3.6550% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,098 |
| Loan loss allowance to noncurrent loans | 48.7179% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.4455% | 1,417 |
| Noncurrent loans to loans | 2.6872% | 1,364 |
| Net loans and leases to total assets | 74.9200% | 1,234 |
| Net loans and leases to deposits | 89.1265% | 1,331 |
| Net loans and leases to core deposits | 92.4856% | 1,737 |
| Total domestic deposits to total assets | 84.0603% | 4,143 |
| Equity capital to assets | 8.5448% | 5,540 |
| Core capital (leverage) ratio | 8.6086% | 5,528 |
| Tier 1 risk-based capital ratio | 13.7011% | 4,520 |
| Total risk-based capital ratio | 14.9555% | 4,460 |
| Memoranda: | ||
| Average total assets | $242,308,800 | 2,602 |
| Average earning assets | $223,158,800 | 2,585 |
| Average equity | $21,283,600 | 3,003 |
| Average total loans | $183,112,200 | 2,169 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 4,416 |
| Cost of funding earning assets | 0.4338% | 4,462 |
| Net interest margin | 3.4886% | 3,928 |
| Noninterest income to average assets | 1.1624% | 1,084 |
| Noninterest expense to average assets | 3.6673% | 1,293 |
| Loan and lease loss provision to assets | 0.1495% | 2,397 |
| Net operating income to assets | 0.4131% | 5,195 |
| Return on assets (ROA) | 0.4131% | 5,333 |
| Pretax return on assets | 0.5566% | 5,182 |
| Return on Equity (ROE) | 4.6707% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.6707% | 3,343 |
| Net charge-offs to loans | 0.1636% | 2,921 |
| Credit loss provision to net charge-offs | 121.0762% | 1,946 |
| Earnings coverage of net charge-offs (x) | 5.7174% | 3,118 |
| Efficiency ratio | 83.8546% | 1,620 |
| Assets per employee ($millions) | 3.5546% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,351 |
| Loan loss allowance to noncurrent loans | 38.3613% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 2.7802% | 1,348 |
| Noncurrent loans to loans | 3.4073% | 1,135 |
| Net loans and leases to total assets | 76.1023% | 991 |
| Net loans and leases to deposits | 93.5759% | 855 |
| Net loans and leases to core deposits | 97.8681% | 1,252 |
| Total domestic deposits to total assets | 81.3268% | 5,125 |
| Equity capital to assets | 8.6102% | 5,614 |
| Core capital (leverage) ratio | 8.5384% | 5,734 |
| Tier 1 risk-based capital ratio | 13.6402% | 4,666 |
| Total risk-based capital ratio | 14.8947% | 4,618 |
| Memoranda: | ||
| Average total assets | $240,751,750 | 2,636 |
| Average earning assets | $221,589,750 | 2,613 |
| Average equity | $21,295,250 | 3,043 |
| Average total loans | $181,721,750 | 2,184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 4,378 |
| Cost of funding earning assets | 0.4491% | 4,439 |
| Net interest margin | 3.4764% | 3,895 |
| Noninterest income to average assets | 1.2406% | 1,015 |
| Noninterest expense to average assets | 3.7417% | 1,180 |
| Loan and lease loss provision to assets | 0.1588% | 2,335 |
| Net operating income to assets | 0.4029% | 5,207 |
| Return on assets (ROA) | 0.4029% | 5,372 |
| Pretax return on assets | 0.5367% | 5,249 |
| Return on Equity (ROE) | 4.5143% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.5143% | 3,396 |
| Net charge-offs to loans | 0.1172% | 3,194 |
| Credit loss provision to net charge-offs | 180.9524% | 1,312 |
| Earnings coverage of net charge-offs (x) | 7.9238% | 2,478 |
| Efficiency ratio | 84.3255% | 1,594 |
| Assets per employee ($millions) | 3.7200% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,280 |
| Loan loss allowance to noncurrent loans | 45.6696% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 2.3912% | 1,781 |
| Noncurrent loans to loans | 2.9510% | 1,516 |
| Net loans and leases to total assets | 74.8320% | 1,125 |
| Net loans and leases to deposits | 90.4931% | 1,099 |
| Net loans and leases to core deposits | 95.0673% | 1,436 |
| Total domestic deposits to total assets | 82.6936% | 4,813 |
| Equity capital to assets | 8.6192% | 5,645 |
| Core capital (leverage) ratio | 8.6158% | 5,534 |
| Tier 1 risk-based capital ratio | 13.7367% | 4,615 |
| Total risk-based capital ratio | 14.9919% | 4,580 |
| Memoranda: | ||
| Average total assets | $239,247,000 | 2,658 |
| Average earning assets | $219,998,330 | 2,638 |
| Average equity | $21,354,330 | 3,057 |
| Average total loans | $179,254,000 | 2,209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 4,242 |
| Cost of funding earning assets | 0.4518% | 4,578 |
| Net interest margin | 3.5152% | 3,635 |
| Noninterest income to average assets | 1.3096% | 899 |
| Noninterest expense to average assets | 3.7779% | 1,142 |
| Loan and lease loss provision to assets | 0.2033% | 1,824 |
| Net operating income to assets | 0.4083% | 5,095 |
| Return on assets (ROA) | 0.4083% | 5,244 |
| Pretax return on assets | 0.5574% | 5,089 |
| Return on Equity (ROE) | 4.4941% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.4941% | 3,536 |
| Net charge-offs to loans | 0.2276% | 2,082 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 4.4900% | 2,541 |
| Efficiency ratio | 83.2400% | 1,863 |
| Assets per employee ($millions) | 3.7258% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 4,460 |
| Loan loss allowance to noncurrent loans | 40.2138% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.5106% | 1,833 |
| Noncurrent loans to loans | 3.3596% | 1,442 |
| Net loans and leases to total assets | 73.7193% | 1,113 |
| Net loans and leases to deposits | 87.2026% | 1,223 |
| Net loans and leases to core deposits | 91.6746% | 1,534 |
| Total domestic deposits to total assets | 84.5380% | 4,252 |
| Equity capital to assets | 8.8903% | 5,622 |
| Core capital (leverage) ratio | 8.8741% | 5,090 |
| Tier 1 risk-based capital ratio | 14.0648% | 4,462 |
| Total risk-based capital ratio | 15.3199% | 4,416 |
| Memoranda: | ||
| Average total assets | $236,109,500 | 2,716 |
| Average earning assets | $216,888,500 | 2,701 |
| Average equity | $21,450,500 | 3,086 |
| Average total loans | $175,761,500 | 2,261 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 4,087 |
| Cost of funding earning assets | 0.5657% | 4,686 |
| Net interest margin | 3.7655% | 3,371 |
| Noninterest income to average assets | 1.6727% | 577 |
| Noninterest expense to average assets | 3.6056% | 1,594 |
| Loan and lease loss provision to assets | 0.3270% | 2,081 |
| Net operating income to assets | 0.7896% | 3,327 |
| Return on assets (ROA) | 0.8174% | 3,449 |
| Pretax return on assets | 1.2202% | 2,724 |
| Return on Equity (ROE) | 9.2314% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.2314% | 755 |
| Net charge-offs to loans | 0.2663% | 3,344 |
| Credit loss provision to net charge-offs | 167.4107% | 1,586 |
| Earnings coverage of net charge-offs (x) | 7.7098% | 2,545 |
| Efficiency ratio | 70.5416% | 3,699 |
| Assets per employee ($millions) | 3.5945% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,059 |
| Loan loss allowance to noncurrent loans | 45.1919% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.3630% | 2,077 |
| Noncurrent loans to loans | 3.1463% | 1,636 |
| Net loans and leases to total assets | 73.0831% | 1,323 |
| Net loans and leases to deposits | 85.3612% | 1,600 |
| Net loans and leases to core deposits | 90.3271% | 1,798 |
| Total domestic deposits to total assets | 85.6163% | 3,546 |
| Equity capital to assets | 9.2899% | 5,169 |
| Core capital (leverage) ratio | 8.9415% | 4,985 |
| Tier 1 risk-based capital ratio | 14.0163% | 4,371 |
| Total risk-based capital ratio | 15.2715% | 4,328 |
| Memoranda: | ||
| Average total assets | $229,390,600 | 2,732 |
| Average earning assets | $209,481,400 | 2,743 |
| Average equity | $20,311,200 | 3,161 |
| Average total loans | $168,235,000 | 2,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 4,075 |
| Cost of funding earning assets | 0.5844% | 4,795 |
| Net interest margin | 3.8102% | 3,295 |
| Noninterest income to average assets | 1.5193% | 644 |
| Noninterest expense to average assets | 3.5783% | 1,598 |
| Loan and lease loss provision to assets | 0.3315% | 1,977 |
| Net operating income to assets | 0.7267% | 3,790 |
| Return on assets (ROA) | 0.7637% | 3,881 |
| Pretax return on assets | 1.1424% | 3,186 |
| Return on Equity (ROE) | 8.7329% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.7329% | 1,335 |
| Net charge-offs to loans | 0.3571% | 2,673 |
| Credit loss provision to net charge-offs | 126.9488% | 2,263 |
| Earnings coverage of net charge-offs (x) | 5.4321% | 3,032 |
| Efficiency ratio | 71.6098% | 3,399 |
| Assets per employee ($millions) | 3.4115% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,661 |
| Loan loss allowance to noncurrent loans | 45.6098% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.4019% | 2,218 |
| Noncurrent loans to loans | 2.9226% | 1,912 |
| Net loans and leases to total assets | 72.6673% | 1,441 |
| Net loans and leases to deposits | 85.9693% | 1,605 |
| Net loans and leases to core deposits | 91.1769% | 1,858 |
| Total domestic deposits to total assets | 84.5270% | 3,966 |
| Equity capital to assets | 9.1324% | 5,669 |
| Core capital (leverage) ratio | 8.6652% | 5,529 |
| Tier 1 risk-based capital ratio | 13.6451% | 4,786 |
| Total risk-based capital ratio | 14.8989% | 4,741 |
| Memoranda: | ||
| Average total assets | $229,227,000 | 2,763 |
| Average earning assets | $209,220,500 | 2,774 |
| Average equity | $20,046,250 | 3,231 |
| Average total loans | $167,656,500 | 2,365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 3,843 |
| Cost of funding earning assets | 0.5902% | 4,985 |
| Net interest margin | 3.8925% | 2,944 |
| Noninterest income to average assets | 1.4252% | 708 |
| Noninterest expense to average assets | 3.6444% | 1,481 |
| Loan and lease loss provision to assets | 0.3661% | 1,795 |
| Net operating income to assets | 0.6523% | 4,100 |
| Return on assets (ROA) | 0.7078% | 4,092 |
| Pretax return on assets | 1.0504% | 3,514 |
| Return on Equity (ROE) | 8.2143% | 3,159 |
| Retained earnings to average equity (ytd only) | 8.2143% | 1,561 |
| Net charge-offs to loans | 0.4061% | 2,403 |
| Credit loss provision to net charge-offs | 123.5294% | 2,221 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,061 |
| Efficiency ratio | 73.2096% | 3,207 |
| Assets per employee ($millions) | 3.4966% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,876 |
| Loan loss allowance to noncurrent loans | 51.5201% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.0695% | 2,700 |
| Noncurrent loans to loans | 2.5269% | 2,387 |
| Net loans and leases to total assets | 72.3722% | 1,498 |
| Net loans and leases to deposits | 86.7382% | 1,514 |
| Net loans and leases to core deposits | 92.1890% | 1,763 |
| Total domestic deposits to total assets | 83.4375% | 4,558 |
| Equity capital to assets | 8.7899% | 5,924 |
| Core capital (leverage) ratio | 8.3638% | 5,839 |
| Tier 1 risk-based capital ratio | 13.2108% | 5,027 |
| Total risk-based capital ratio | 14.4644% | 5,001 |
| Memoranda: | ||
| Average total assets | $229,445,330 | 2,761 |
| Average earning assets | $209,430,000 | 2,770 |
| Average equity | $19,770,330 | 3,256 |
| Average total loans | $167,428,330 | 2,378 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 4,409 |
| Cost of funding earning assets | 0.5951% | 5,176 |
| Net interest margin | 3.7837% | 3,466 |
| Noninterest income to average assets | 1.1627% | 1,053 |
| Noninterest expense to average assets | 3.5930% | 1,573 |
| Loan and lease loss provision to assets | 0.3060% | 2,059 |
| Net operating income to assets | 0.4939% | 4,852 |
| Return on assets (ROA) | 0.5612% | 4,761 |
| Pretax return on assets | 0.8060% | 4,393 |
| Return on Equity (ROE) | 6.5802% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.5802% | 2,641 |
| Net charge-offs to loans | 0.6557% | 1,492 |
| Credit loss provision to net charge-offs | 64.1026% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.1282% | 3,302 |
| Efficiency ratio | 77.9590% | 2,501 |
| Assets per employee ($millions) | 3.6636% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,583 |
| Loan loss allowance to noncurrent loans | 40.8843% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 2.4950% | 2,368 |
| Noncurrent loans to loans | 2.8891% | 2,231 |
| Net loans and leases to total assets | 72.2542% | 1,356 |
| Net loans and leases to deposits | 88.4959% | 1,108 |
| Net loans and leases to core deposits | 94.0671% | 1,462 |
| Total domestic deposits to total assets | 81.6470% | 5,410 |
| Equity capital to assets | 8.3687% | 6,204 |
| Core capital (leverage) ratio | 8.2591% | 5,941 |
| Tier 1 risk-based capital ratio | 13.0163% | 5,208 |
| Total risk-based capital ratio | 14.2680% | 5,177 |
| Memoranda: | ||
| Average total assets | $228,780,500 | 2,783 |
| Average earning assets | $208,366,000 | 2,794 |
| Average equity | $19,513,000 | 3,284 |
| Average total loans | $166,532,500 | 2,402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 4,344 |
| Cost of funding earning assets | 0.8100% | 4,791 |
| Net interest margin | 3.8661% | 3,487 |
| Noninterest income to average assets | 1.0247% | 1,296 |
| Noninterest expense to average assets | 3.6590% | 1,621 |
| Loan and lease loss provision to assets | 0.3416% | 2,963 |
| Net operating income to assets | 0.4041% | 4,841 |
| Return on assets (ROA) | 0.4263% | 4,946 |
| Pretax return on assets | 0.5638% | 4,800 |
| Return on Equity (ROE) | 5.0291% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.0291% | 2,617 |
| Net charge-offs to loans | 0.3874% | 3,476 |
| Credit loss provision to net charge-offs | 122.3491% | 2,583 |
| Earnings coverage of net charge-offs (x) | 3.1387% | 3,642 |
| Efficiency ratio | 80.6789% | 2,206 |
| Assets per employee ($millions) | 3.3297% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,843 |
| Loan loss allowance to noncurrent loans | 46.3942% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.4891% | 2,443 |
| Noncurrent loans to loans | 2.8312% | 2,317 |
| Net loans and leases to total assets | 71.4966% | 1,731 |
| Net loans and leases to deposits | 86.7633% | 1,568 |
| Net loans and leases to core deposits | 92.3333% | 1,855 |
| Total domestic deposits to total assets | 82.4042% | 4,998 |
| Equity capital to assets | 8.6977% | 5,902 |
| Core capital (leverage) ratio | 8.2844% | 5,872 |
| Tier 1 risk-based capital ratio | 13.3687% | 4,795 |
| Total risk-based capital ratio | 14.6227% | 4,765 |
| Memoranda: | ||
| Average total assets | $219,570,400 | 2,842 |
| Average earning assets | $199,375,200 | 2,864 |
| Average equity | $18,611,800 | 3,340 |
| Average total loans | $158,252,000 | 2,524 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 4,406 |
| Cost of funding earning assets | 0.8554% | 4,732 |
| Net interest margin | 3.8554% | 3,587 |
| Noninterest income to average assets | 1.0871% | 1,136 |
| Noninterest expense to average assets | 3.7117% | 1,471 |
| Loan and lease loss provision to assets | 0.3810% | 2,575 |
| Net operating income to assets | 0.3758% | 5,101 |
| Return on assets (ROA) | 0.4054% | 5,156 |
| Pretax return on assets | 0.5341% | 5,027 |
| Return on Equity (ROE) | 4.8151% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.8151% | 3,301 |
| Net charge-offs to loans | 0.4345% | 2,982 |
| Credit loss provision to net charge-offs | 121.8324% | 2,658 |
| Earnings coverage of net charge-offs (x) | 2.8012% | 3,734 |
| Efficiency ratio | 80.9037% | 2,122 |
| Assets per employee ($millions) | 3.2980% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,716 |
| Loan loss allowance to noncurrent loans | 36.2662% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 2.7965% | 2,323 |
| Noncurrent loans to loans | 3.7608% | 1,806 |
| Net loans and leases to total assets | 69.7048% | 2,141 |
| Net loans and leases to deposits | 81.7449% | 2,408 |
| Net loans and leases to core deposits | 87.5535% | 2,552 |
| Total domestic deposits to total assets | 85.2711% | 3,635 |
| Equity capital to assets | 8.8047% | 5,977 |
| Core capital (leverage) ratio | 8.3934% | 5,867 |
| Tier 1 risk-based capital ratio | 13.1527% | 4,987 |
| Total risk-based capital ratio | 14.4064% | 4,960 |
| Memoranda: | ||
| Average total assets | $218,689,750 | 2,855 |
| Average earning assets | $198,572,500 | 2,879 |
| Average equity | $18,413,750 | 3,375 |
| Average total loans | $157,408,250 | 2,559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 4,410 |
| Cost of funding earning assets | 0.9049% | 4,622 |
| Net interest margin | 3.8231% | 3,677 |
| Noninterest income to average assets | 1.0757% | 1,128 |
| Noninterest expense to average assets | 3.7721% | 1,394 |
| Loan and lease loss provision to assets | 0.4337% | 2,257 |
| Net operating income to assets | 0.2790% | 5,456 |
| Return on assets (ROA) | 0.3269% | 5,397 |
| Pretax return on assets | 0.3963% | 5,405 |
| Return on Equity (ROE) | 3.9420% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.9420% | 3,687 |
| Net charge-offs to loans | 0.4414% | 2,806 |
| Credit loss provision to net charge-offs | 135.7143% | 2,243 |
| Earnings coverage of net charge-offs (x) | 2.4143% | 3,607 |
| Efficiency ratio | 83.0185% | 1,953 |
| Assets per employee ($millions) | 3.3272% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 4,749 |
| Loan loss allowance to noncurrent loans | 32.3922% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 3.3343% | 1,985 |
| Noncurrent loans to loans | 4.2165% | 1,613 |
| Net loans and leases to total assets | 69.4227% | 2,336 |
| Net loans and leases to deposits | 83.0766% | 2,262 |
| Net loans and leases to core deposits | 89.0223% | 2,496 |
| Total domestic deposits to total assets | 83.5647% | 4,520 |
| Equity capital to assets | 8.4492% | 6,238 |
| Core capital (leverage) ratio | 8.2547% | 5,939 |
| Tier 1 risk-based capital ratio | 13.0460% | 4,880 |
| Total risk-based capital ratio | 14.2996% | 4,861 |
| Memoranda: | ||
| Average total assets | $219,030,330 | 2,871 |
| Average earning assets | $198,689,000 | 2,888 |
| Average equity | $18,163,330 | 3,391 |
| Average total loans | $158,603,330 | 2,557 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 4,476 |
| Cost of funding earning assets | 0.9677% | 4,442 |
| Net interest margin | 3.7417% | 3,886 |
| Noninterest income to average assets | 1.1136% | 1,054 |
| Noninterest expense to average assets | 3.6590% | 1,633 |
| Loan and lease loss provision to assets | 0.4846% | 1,819 |
| Net operating income to assets | 0.2785% | 5,508 |
| Return on assets (ROA) | 0.3730% | 5,143 |
| Pretax return on assets | 0.4882% | 5,063 |
| Return on Equity (ROE) | 4.5414% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.5414% | 3,451 |
| Net charge-offs to loans | 0.3237% | 2,765 |
| Credit loss provision to net charge-offs | 203.8462% | 1,457 |
| Earnings coverage of net charge-offs (x) | 3.5692% | 2,703 |
| Efficiency ratio | 81.1765% | 2,341 |
| Assets per employee ($millions) | 3.3753% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,961 |
| Loan loss allowance to noncurrent loans | 25.9450% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 4.0315% | 1,657 |
| Noncurrent loans to loans | 5.1500% | 1,301 |
| Net loans and leases to total assets | 71.3855% | 1,841 |
| Net loans and leases to deposits | 84.2570% | 1,993 |
| Net loans and leases to core deposits | 90.1673% | 2,329 |
| Total domestic deposits to total assets | 84.7235% | 4,164 |
| Equity capital to assets | 8.2285% | 6,249 |
| Core capital (leverage) ratio | 8.1017% | 6,128 |
| Tier 1 risk-based capital ratio | 12.6390% | 5,123 |
| Total risk-based capital ratio | 13.8922% | 5,102 |
| Memoranda: | ||
| Average total assets | $218,748,500 | 2,892 |
| Average earning assets | $198,414,000 | 2,906 |
| Average equity | $17,968,000 | 3,398 |
| Average total loans | $160,625,500 | 2,552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 4,426 |
| Cost of funding earning assets | 1.2828% | 3,998 |
| Net interest margin | 3.7446% | 4,164 |
| Noninterest income to average assets | 1.2655% | 923 |
| Noninterest expense to average assets | 3.5496% | 2,054 |
| Loan and lease loss provision to assets | 0.5556% | 2,908 |
| Net operating income to assets | 0.3856% | 4,612 |
| Return on assets (ROA) | 0.4224% | 4,581 |
| Pretax return on assets | 0.6011% | 4,323 |
| Return on Equity (ROE) | 5.3910% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,186 |
| Net charge-offs to loans | 0.4486% | 3,817 |
| Credit loss provision to net charge-offs | 165.9946% | 2,062 |
| Earnings coverage of net charge-offs (x) | 3.2984% | 3,428 |
| Efficiency ratio | 76.2761% | 3,014 |
| Assets per employee ($millions) | 3.3554% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,406 |
| Loan loss allowance to noncurrent loans | 25.2736% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 4.1132% | 1,643 |
| Noncurrent loans to loans | 4.8353% | 1,424 |
| Net loans and leases to total assets | 73.6021% | 1,745 |
| Net loans and leases to deposits | 88.7920% | 1,677 |
| Net loans and leases to core deposits | 95.7581% | 2,042 |
| Total domestic deposits to total assets | 82.8928% | 4,843 |
| Equity capital to assets | 8.1994% | 6,263 |
| Core capital (leverage) ratio | 7.9534% | 6,264 |
| Tier 1 risk-based capital ratio | 12.1049% | 5,381 |
| Total risk-based capital ratio | 13.3563% | 5,364 |
| Memoranda: | ||
| Average total assets | $222,276,800 | 2,839 |
| Average earning assets | $201,118,800 | 2,862 |
| Average equity | $17,418,000 | 3,518 |
| Average total loans | $165,852,400 | 2,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 4,425 |
| Cost of funding earning assets | 1.3498% | 3,903 |
| Net interest margin | 3.7310% | 4,259 |
| Noninterest income to average assets | 1.0818% | 1,223 |
| Noninterest expense to average assets | 3.5267% | 1,974 |
| Loan and lease loss provision to assets | 0.6060% | 2,515 |
| Net operating income to assets | 0.2431% | 5,381 |
| Return on assets (ROA) | 0.2955% | 5,354 |
| Pretax return on assets | 0.3922% | 5,242 |
| Return on Equity (ROE) | 3.8145% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.8145% | 3,776 |
| Net charge-offs to loans | 0.5487% | 3,106 |
| Credit loss provision to net charge-offs | 147.9592% | 2,649 |
| Earnings coverage of net charge-offs (x) | 2.2668% | 4,035 |
| Efficiency ratio | 79.1611% | 2,462 |
| Assets per employee ($millions) | 3.5070% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,900 |
| Loan loss allowance to noncurrent loans | 30.4457% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 3.3031% | 2,157 |
| Noncurrent loans to loans | 3.6463% | 2,142 |
| Net loans and leases to total assets | 73.5401% | 1,899 |
| Net loans and leases to deposits | 90.9570% | 1,587 |
| Net loans and leases to core deposits | 97.3202% | 2,110 |
| Total domestic deposits to total assets | 80.8515% | 5,430 |
| Equity capital to assets | 8.0763% | 6,734 |
| Core capital (leverage) ratio | 7.6830% | 6,695 |
| Tier 1 risk-based capital ratio | 11.4031% | 6,019 |
| Total risk-based capital ratio | 12.6193% | 6,024 |
| Memoranda: | ||
| Average total assets | $223,320,750 | 2,865 |
| Average earning assets | $201,905,250 | 2,892 |
| Average equity | $17,301,750 | 3,591 |
| Average total loans | $166,687,250 | 2,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 4,226 |
| Cost of funding earning assets | 1.4232% | 3,726 |
| Net interest margin | 3.7201% | 4,268 |
| Noninterest income to average assets | 0.9584% | 1,484 |
| Noninterest expense to average assets | 3.4839% | 2,065 |
| Loan and lease loss provision to assets | 0.6782% | 2,130 |
| Net operating income to assets | 0.1358% | 5,768 |
| Return on assets (ROA) | 0.1829% | 5,743 |
| Pretax return on assets | 0.2088% | 5,752 |
| Return on Equity (ROE) | 2.3947% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.3947% | 4,634 |
| Net charge-offs to loans | 0.8108% | 2,225 |
| Credit loss provision to net charge-offs | 111.9293% | 3,626 |
| Earnings coverage of net charge-offs (x) | 1.3756% | 4,451 |
| Efficiency ratio | 80.6945% | 2,345 |
| Assets per employee ($millions) | 3.4552% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 6,615 |
| Loan loss allowance to noncurrent loans | 36.9519% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 2.6596% | 2,707 |
| Noncurrent loans to loans | 2.5551% | 3,100 |
| Net loans and leases to total assets | 73.6216% | 1,997 |
| Net loans and leases to deposits | 92.6629% | 1,436 |
| Net loans and leases to core deposits | 99.4425% | 2,078 |
| Total domestic deposits to total assets | 79.4510% | 5,904 |
| Equity capital to assets | 7.7619% | 6,955 |
| Core capital (leverage) ratio | 7.4534% | 6,870 |
| Tier 1 risk-based capital ratio | 11.3397% | 5,914 |
| Total risk-based capital ratio | 12.4023% | 6,083 |
| Memoranda: | ||
| Average total assets | $224,113,670 | 2,881 |
| Average earning assets | $202,360,670 | 2,912 |
| Average equity | $17,121,000 | 3,614 |
| Average total loans | $167,481,330 | 2,590 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 4,398 |
| Cost of funding earning assets | 1.4990% | 3,563 |
| Net interest margin | 3.6306% | 4,574 |
| Noninterest income to average assets | 0.8862% | 1,680 |
| Noninterest expense to average assets | 3.5180% | 1,933 |
| Loan and lease loss provision to assets | 1.0541% | 1,172 |
| Net operating income to assets | -0.1876% | 6,533 |
| Return on assets (ROA) | -0.1876% | 6,606 |
| Pretax return on assets | -0.4145% | 6,728 |
| Return on Equity (ROE) | -2.4756% | 6,690 |
| Retained earnings to average equity (ytd only) | -2.4756% | 6,287 |
| Net charge-offs to loans | 1.5379% | 1,131 |
| Credit loss provision to net charge-offs | 91.4729% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.5550% | 4,535 |
| Efficiency ratio | 84.6154% | 1,962 |
| Assets per employee ($millions) | 3.3770% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 6,968 |
| Loan loss allowance to noncurrent loans | 34.8331% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 2.5917% | 2,813 |
| Noncurrent loans to loans | 2.4614% | 3,206 |
| Net loans and leases to total assets | 73.5920% | 2,060 |
| Net loans and leases to deposits | 92.6146% | 1,525 |
| Net loans and leases to core deposits | 99.5796% | 2,173 |
| Total domestic deposits to total assets | 79.4604% | 5,971 |
| Equity capital to assets | 7.4644% | 7,101 |
| Core capital (leverage) ratio | 7.3296% | 7,003 |
| Tier 1 risk-based capital ratio | 11.1646% | 5,993 |
| Total risk-based capital ratio | 12.1386% | 6,237 |
| Memoranda: | ||
| Average total assets | $223,878,000 | 2,941 |
| Average earning assets | $201,732,000 | 2,969 |
| Average equity | $16,965,500 | 3,662 |
| Average total loans | $167,762,500 | 2,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 5,323 |
| Cost of funding earning assets | 1.9442% | 3,241 |
| Net interest margin | 3.3263% | 5,633 |
| Noninterest income to average assets | 1.1348% | 1,198 |
| Noninterest expense to average assets | 3.4797% | 2,422 |
| Loan and lease loss provision to assets | 0.3300% | 4,837 |
| Net operating income to assets | 0.2382% | 4,765 |
| Return on assets (ROA) | 0.2551% | 4,782 |
| Pretax return on assets | 0.3526% | 4,637 |
| Return on Equity (ROE) | 3.4593% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.4593% | 2,747 |
| Net charge-offs to loans | 0.2421% | 5,109 |
| Credit loss provision to net charge-offs | 176.5403% | 2,371 |
| Earnings coverage of net charge-offs (x) | 3.5261% | 3,308 |
| Efficiency ratio | 84.0753% | 2,340 |
| Assets per employee ($millions) | 3.2101% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 6,850 |
| Loan loss allowance to noncurrent loans | 20.0644% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 4.0944% | 1,611 |
| Noncurrent loans to loans | 4.4464% | 1,603 |
| Net loans and leases to total assets | 74.9814% | 2,037 |
| Net loans and leases to deposits | 97.1876% | 1,191 |
| Net loans and leases to core deposits | 117.6721% | 2,162 |
| Total domestic deposits to total assets | 77.1512% | 6,429 |
| Equity capital to assets | 7.6941% | 6,866 |
| Core capital (leverage) ratio | 7.4309% | 6,853 |
| Tier 1 risk-based capital ratio | 11.2747% | 5,638 |
| Total risk-based capital ratio | 12.2894% | 5,850 |
| Memoranda: | ||
| Average total assets | $225,764,000 | 2,870 |
| Average earning assets | $203,893,000 | 2,921 |
| Average equity | $16,650,800 | 3,746 |
| Average total loans | $174,339,200 | 2,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 5,414 |
| Cost of funding earning assets | 2.0320% | 3,208 |
| Net interest margin | 3.2699% | 5,753 |
| Noninterest income to average assets | 1.1438% | 1,201 |
| Noninterest expense to average assets | 3.3904% | 2,609 |
| Loan and lease loss provision to assets | 0.3233% | 4,401 |
| Net operating income to assets | 0.2595% | 4,950 |
| Return on assets (ROA) | 0.2804% | 4,973 |
| Pretax return on assets | 0.4191% | 4,743 |
| Return on Equity (ROE) | 3.8421% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.8421% | 3,144 |
| Net charge-offs to loans | 0.2356% | 4,582 |
| Credit loss provision to net charge-offs | 176.8489% | 2,612 |
| Earnings coverage of net charge-offs (x) | 3.8906% | 3,348 |
| Efficiency ratio | 82.6598% | 2,487 |
| Assets per employee ($millions) | 3.3561% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 7,068 |
| Loan loss allowance to noncurrent loans | 18.1596% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 3.6779% | 1,774 |
| Noncurrent loans to loans | 4.5001% | 1,553 |
| Net loans and leases to total assets | 76.1605% | 1,968 |
| Net loans and leases to deposits | 101.3703% | 980 |
| Net loans and leases to core deposits | 122.0246% | 2,071 |
| Total domestic deposits to total assets | 75.1310% | 6,746 |
| Equity capital to assets | 7.5256% | 7,278 |
| Core capital (leverage) ratio | 7.2400% | 7,233 |
| Tier 1 risk-based capital ratio | 11.2399% | 5,700 |
| Total risk-based capital ratio | 12.2003% | 5,961 |
| Memoranda: | ||
| Average total assets | $226,831,250 | 2,871 |
| Average earning assets | $205,178,500 | 2,921 |
| Average equity | $16,553,000 | 3,797 |
| Average total loans | $176,030,250 | 2,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3490% | 5,402 |
| Cost of funding earning assets | 2.1511% | 3,038 |
| Net interest margin | 3.1979% | 5,923 |
| Noninterest income to average assets | 1.2124% | 1,060 |
| Noninterest expense to average assets | 3.4015% | 2,623 |
| Loan and lease loss provision to assets | 0.2989% | 4,172 |
| Net operating income to assets | 0.2646% | 5,030 |
| Return on assets (ROA) | 0.2646% | 5,127 |
| Pretax return on assets | 0.4018% | 4,930 |
| Return on Equity (ROE) | 3.6640% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.6640% | 3,259 |
| Net charge-offs to loans | 0.3127% | 3,625 |
| Credit loss provision to net charge-offs | 122.7437% | 3,790 |
| Earnings coverage of net charge-offs (x) | 2.8773% | 3,662 |
| Efficiency ratio | 82.9190% | 2,613 |
| Assets per employee ($millions) | 3.3172% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,406 |
| Loan loss allowance to noncurrent loans | 33.3603% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 3,151 |
| Noncurrent loans to loans | 2.1185% | 3,357 |
| Net loans and leases to total assets | 75.8066% | 2,224 |
| Net loans and leases to deposits | 101.3321% | 1,136 |
| Net loans and leases to core deposits | 121.5571% | 2,236 |
| Total domestic deposits to total assets | 74.8101% | 6,799 |
| Equity capital to assets | 7.2389% | 7,460 |
| Core capital (leverage) ratio | 7.0528% | 7,500 |
| Tier 1 risk-based capital ratio | 11.0701% | 5,807 |
| Total risk-based capital ratio | 11.9067% | 6,162 |
| Memoranda: | ||
| Average total assets | $227,489,000 | 2,889 |
| Average earning assets | $205,572,330 | 2,926 |
| Average equity | $16,430,000 | 3,831 |
| Average total loans | $177,152,330 | 2,614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 5,205 |
| Cost of funding earning assets | 2.2290% | 3,014 |
| Net interest margin | 3.2154% | 5,813 |
| Noninterest income to average assets | 1.1376% | 1,140 |
| Noninterest expense to average assets | 3.3829% | 2,406 |
| Loan and lease loss provision to assets | 0.4939% | 2,502 |
| Net operating income to assets | 0.1252% | 5,901 |
| Return on assets (ROA) | 0.1252% | 6,067 |
| Pretax return on assets | 0.1587% | 6,029 |
| Return on Equity (ROE) | 1.7359% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.7359% | 4,885 |
| Net charge-offs to loans | 0.6235% | 1,928 |
| Credit loss provision to net charge-offs | 100.7194% | 3,700 |
| Earnings coverage of net charge-offs (x) | 1.3309% | 4,075 |
| Efficiency ratio | 83.8287% | 2,327 |
| Assets per employee ($millions) | 3.1517% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 7,537 |
| Loan loss allowance to noncurrent loans | 115.0980% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 4,969 |
| Noncurrent loans to loans | 0.5776% | 5,958 |
| Net loans and leases to total assets | 76.2464% | 2,218 |
| Net loans and leases to deposits | 104.6714% | 966 |
| Net loans and leases to core deposits | 125.6988% | 1,940 |
| Total domestic deposits to total assets | 72.8436% | 7,075 |
| Equity capital to assets | 7.1425% | 7,602 |
| Core capital (leverage) ratio | 7.0845% | 7,575 |
| Tier 1 risk-based capital ratio | 11.1878% | 5,713 |
| Total risk-based capital ratio | 12.0022% | 6,046 |
| Memoranda: | ||
| Average total assets | $226,789,000 | 2,908 |
| Average earning assets | $204,393,000 | 2,961 |
| Average equity | $16,360,500 | 3,871 |
| Average total loans | $178,354,500 | 2,614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8909% | 6,082 |
| Cost of funding earning assets | 2.6495% | 3,434 |
| Net interest margin | 3.2414% | 6,235 |
| Noninterest income to average assets | 0.7295% | 2,911 |
| Noninterest expense to average assets | 3.6030% | 2,134 |
| Loan and lease loss provision to assets | 0.3336% | 3,719 |
| Net operating income to assets | -0.1297% | 6,535 |
| Return on assets (ROA) | -0.1297% | 6,383 |
| Pretax return on assets | -0.2439% | 6,406 |
| Return on Equity (ROE) | -1.7346% | 6,467 |
| Retained earnings to average equity (ytd only) | -1.7346% | 5,800 |
| Net charge-offs to loans | 0.3490% | 3,087 |
| Credit loss provision to net charge-offs | 117.0927% | 4,604 |
| Earnings coverage of net charge-offs (x) | 0.3147% | 6,043 |
| Efficiency ratio | 97.5721% | 1,077 |
| Assets per employee ($millions) | 3.0617% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 7,545 |
| Loan loss allowance to noncurrent loans | 65.1835% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 4,251 |
| Noncurrent loans to loans | 0.9983% | 4,601 |
| Net loans and leases to total assets | 80.0611% | 1,648 |
| Net loans and leases to deposits | 115.4274% | 550 |
| Net loans and leases to core deposits | 137.6719% | 1,397 |
| Total domestic deposits to total assets | 69.3606% | 7,346 |
| Equity capital to assets | 7.2876% | 7,569 |
| Core capital (leverage) ratio | 7.1844% | 7,537 |
| Tier 1 risk-based capital ratio | 10.7481% | 5,958 |
| Total risk-based capital ratio | 11.5320% | 6,312 |
| Memoranda: | ||
| Average total assets | $219,732,800 | 2,879 |
| Average earning assets | $200,868,800 | 2,885 |
| Average equity | $16,430,200 | 3,840 |
| Average total loans | $179,386,200 | 2,506 |