Home > Essex Savings Bank > Performance and Condition Ratios
Essex Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,753 |
| Cost of funding earning assets | 0.2797% | 4,388 |
| Net interest margin | 3.8494% | 1,476 |
| Noninterest income to average assets | 3.9300% | 151 |
| Noninterest expense to average assets | 6.1015% | 174 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0136% | 2,171 |
| Return on assets (ROA) | 1.0136% | 2,156 |
| Pretax return on assets | 1.3670% | 1,703 |
| Return on Equity (ROE) | 8.7800% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.7772% | 1,308 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.3126% | 828 |
| Assets per employee ($millions) | 3.9500% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 3,741 |
| Loan loss allowance to noncurrent loans | 1,460.3960% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,350 |
| Noncurrent loans to loans | 0.0610% | 3,278 |
| Net loans and leases to total assets | 64.8900% | 2,377 |
| Net loans and leases to deposits | 75.6706% | 2,485 |
| Net loans and leases to core deposits | 79.2445% | 2,754 |
| Total domestic deposits to total assets | 85.7500% | 2,088 |
| Equity capital to assets | 12.3448% | 1,024 |
| Core capital (leverage) ratio | 11.0702% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $510,680,000 | 1,707 |
| Average earning assets | $474,020,000 | 1,699 |
| Average equity | $58,970,800 | 1,410 |
| Average total loans | $330,082,000 | 1,689 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 3,668 |
| Cost of funding earning assets | 0.2144% | 4,435 |
| Net interest margin | 3.8820% | 1,440 |
| Noninterest income to average assets | 3.9300% | 155 |
| Noninterest expense to average assets | 6.0882% | 176 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0470% | 2,227 |
| Return on assets (ROA) | 1.0470% | 2,215 |
| Pretax return on assets | 1.4160% | 1,743 |
| Return on Equity (ROE) | 9.2200% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.2237% | 1,630 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.7524% | 823 |
| Assets per employee ($millions) | 3.9526% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 3,849 |
| Loan loss allowance to noncurrent loans | 1,397.0874% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,382 |
| Noncurrent loans to loans | 0.0615% | 3,314 |
| Net loans and leases to total assets | 67.2000% | 2,137 |
| Net loans and leases to deposits | 78.3662% | 2,212 |
| Net loans and leases to core deposits | 81.4339% | 2,507 |
| Total domestic deposits to total assets | 85.7500% | 2,271 |
| Equity capital to assets | 12.1221% | 1,010 |
| Core capital (leverage) ratio | 10.7441% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $511,948,750 | 1,707 |
| Average earning assets | $475,785,000 | 1,695 |
| Average equity | $58,109,500 | 1,416 |
| Average total loans | $329,847,500 | 1,684 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,621 |
| Cost of funding earning assets | 0.1572% | 4,468 |
| Net interest margin | 3.8738% | 1,475 |
| Noninterest income to average assets | 3.9200% | 147 |
| Noninterest expense to average assets | 6.1339% | 170 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0164% | 2,374 |
| Return on assets (ROA) | 1.0164% | 2,365 |
| Pretax return on assets | 1.3601% | 1,918 |
| Return on Equity (ROE) | 9.1500% | 2,942 |
| Retained earnings to average equity (ytd only) | 9.1523% | 1,642 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.4731% | 746 |
| Assets per employee ($millions) | 4.0104% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 3,890 |
| Loan loss allowance to noncurrent loans | 1,170.6612% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,299 |
| Noncurrent loans to loans | 0.0730% | 3,171 |
| Net loans and leases to total assets | 65.0700% | 2,273 |
| Net loans and leases to deposits | 75.5320% | 2,362 |
| Net loans and leases to core deposits | 77.7284% | 2,635 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 11.5920% | 1,178 |
| Core capital (leverage) ratio | 10.2627% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $517,907,667 | 1,688 |
| Average earning assets | $482,060,000 | 1,682 |
| Average equity | $57,515,333 | 1,429 |
| Average total loans | $328,161,000 | 1,678 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,522 |
| Cost of funding earning assets | 0.1089% | 4,521 |
| Net interest margin | 3.8545% | 1,568 |
| Noninterest income to average assets | 3.8400% | 152 |
| Noninterest expense to average assets | 6.0931% | 175 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9844% | 2,582 |
| Return on assets (ROA) | 0.9844% | 2,550 |
| Pretax return on assets | 1.3087% | 2,148 |
| Return on Equity (ROE) | 9.0600% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0550% | 1,936 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9395% | 709 |
| Assets per employee ($millions) | 4.2286% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 3,981 |
| Loan loss allowance to noncurrent loans | 1,119.6787% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,308 |
| Noncurrent loans to loans | 0.0762% | 3,194 |
| Net loans and leases to total assets | 62.3200% | 2,436 |
| Net loans and leases to deposits | 71.9234% | 2,477 |
| Net loans and leases to core deposits | 73.5114% | 2,715 |
| Total domestic deposits to total assets | 86.6500% | 2,390 |
| Equity capital to assets | 11.1339% | 1,292 |
| Core capital (leverage) ratio | 9.7405% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $524,203,500 | 1,695 |
| Average earning assets | $488,671,500 | 1,680 |
| Average equity | $56,985,000 | 1,453 |
| Average total loans | $326,423,500 | 1,696 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 3,972 |
| Cost of funding earning assets | 0.0751% | 4,493 |
| Net interest margin | 3.0368% | 3,336 |
| Noninterest income to average assets | 3.7300% | 152 |
| Noninterest expense to average assets | 5.6701% | 182 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6331% | 3,796 |
| Return on assets (ROA) | 0.6331% | 3,750 |
| Pretax return on assets | 0.8696% | 3,431 |
| Return on Equity (ROE) | 6.2400% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.2385% | 2,555 |
| Net charge-offs to loans | 0.0071% | 2,139 |
| Credit loss provision to net charge-offs | 586.9565% | 616 |
| Earnings coverage of net charge-offs (x) | 210.8261% | 627 |
| Efficiency ratio | 86.3742% | 409 |
| Assets per employee ($millions) | 4.2604% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 3,941 |
| Loan loss allowance to noncurrent loans | 1,042.9658% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,305 |
| Noncurrent loans to loans | 0.0807% | 3,180 |
| Net loans and leases to total assets | 61.1700% | 2,529 |
| Net loans and leases to deposits | 69.9483% | 2,586 |
| Net loans and leases to core deposits | 71.3781% | 2,765 |
| Total domestic deposits to total assets | 87.4500% | 2,250 |
| Equity capital to assets | 10.6117% | 1,403 |
| Core capital (leverage) ratio | 9.2512% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $542,108,200 | 1,628 |
| Average earning assets | $506,095,200 | 1,614 |
| Average equity | $55,013,600 | 1,499 |
| Average total loans | $322,847,800 | 1,628 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8896% | 4,075 |
| Cost of funding earning assets | 0.0751% | 4,458 |
| Net interest margin | 2.8144% | 3,703 |
| Noninterest income to average assets | 3.7800% | 155 |
| Noninterest expense to average assets | 5.6689% | 179 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5203% | 4,029 |
| Return on assets (ROA) | 0.5203% | 3,975 |
| Pretax return on assets | 0.7170% | 3,765 |
| Return on Equity (ROE) | 5.1800% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.1845% | 3,032 |
| Net charge-offs to loans | 0.0095% | 1,773 |
| Credit loss provision to net charge-offs | 391.3043% | 717 |
| Earnings coverage of net charge-offs (x) | 131.4783% | 799 |
| Efficiency ratio | 88.4668% | 371 |
| Assets per employee ($millions) | 4.2844% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 4,030 |
| Loan loss allowance to noncurrent loans | 995.5720% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,372 |
| Noncurrent loans to loans | 0.0830% | 3,287 |
| Net loans and leases to total assets | 60.9700% | 2,404 |
| Net loans and leases to deposits | 69.3989% | 2,423 |
| Net loans and leases to core deposits | 70.8384% | 2,580 |
| Total domestic deposits to total assets | 87.8500% | 2,471 |
| Equity capital to assets | 10.2350% | 1,502 |
| Core capital (leverage) ratio | 8.9078% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3800% | 940 |
| Memoranda: | ||
| Average total assets | $545,561,750 | 1,633 |
| Average earning assets | $509,219,750 | 1,624 |
| Average equity | $54,751,750 | 1,515 |
| Average total loans | $322,082,000 | 1,628 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6812% | 4,168 |
| Cost of funding earning assets | 0.0752% | 4,421 |
| Net interest margin | 2.6060% | 3,897 |
| Noninterest income to average assets | 3.8279% | 124 |
| Noninterest expense to average assets | 5.6137% | 142 |
| Loan and lease loss provision to assets | 0.0218% | 2,209 |
| Net operating income to assets | 0.4368% | 4,036 |
| Return on assets (ROA) | 0.4368% | 3,992 |
| Pretax return on assets | 0.6236% | 3,768 |
| Return on Equity (ROE) | 4.3807% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.3807% | 2,936 |
| Net charge-offs to loans | 0.0611% | 791 |
| Credit loss provision to net charge-offs | 61.2245% | 1,455 |
| Earnings coverage of net charge-offs (x) | 18.1224% | 1,591 |
| Efficiency ratio | 89.6882% | 421 |
| Assets per employee ($millions) | 4.3329% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 4,165 |
| Loan loss allowance to noncurrent loans | 385.8631% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,846 |
| Noncurrent loans to loans | 0.2090% | 2,670 |
| Net loans and leases to total assets | 58.4191% | 2,481 |
| Net loans and leases to deposits | 66.2707% | 2,520 |
| Net loans and leases to core deposits | 67.7402% | 2,675 |
| Total domestic deposits to total assets | 88.1523% | 2,514 |
| Equity capital to assets | 10.0347% | 1,698 |
| Core capital (leverage) ratio | 8.6904% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6023% | 910 |
| Memoranda: | ||
| Average total assets | $550,327,667 | 1,627 |
| Average earning assets | $513,430,333 | 1,628 |
| Average equity | $54,877,333 | 1,554 |
| Average total loans | $320,581,333 | 1,629 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5720% | 4,173 |
| Cost of funding earning assets | 0.0762% | 4,395 |
| Net interest margin | 2.4958% | 3,911 |
| Noninterest income to average assets | 3.7646% | 131 |
| Noninterest expense to average assets | 5.6534% | 140 |
| Loan and lease loss provision to assets | 0.0217% | 1,962 |
| Net operating income to assets | 0.2903% | 4,167 |
| Return on assets (ROA) | 0.2903% | 4,140 |
| Pretax return on assets | 0.4141% | 4,011 |
| Return on Equity (ROE) | 2.9204% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.9204% | 3,292 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8427% | 429 |
| Assets per employee ($millions) | 4.4173% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 4,189 |
| Loan loss allowance to noncurrent loans | 209.8580% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,259 |
| Noncurrent loans to loans | 0.3975% | 2,068 |
| Net loans and leases to total assets | 57.7562% | 2,324 |
| Net loans and leases to deposits | 65.4426% | 2,387 |
| Net loans and leases to core deposits | 66.9372% | 2,542 |
| Total domestic deposits to total assets | 88.2548% | 2,405 |
| Equity capital to assets | 9.9622% | 1,923 |
| Core capital (leverage) ratio | 8.5438% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6068% | 950 |
| Memoranda: | ||
| Average total assets | $552,518,500 | 1,622 |
| Average earning assets | $514,616,000 | 1,633 |
| Average equity | $54,924,000 | 1,599 |
| Average total loans | $320,107,000 | 1,621 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8697% | 4,104 |
| Cost of funding earning assets | 0.1032% | 4,361 |
| Net interest margin | 2.7665% | 3,739 |
| Noninterest income to average assets | 3.8618% | 143 |
| Noninterest expense to average assets | 5.6879% | 137 |
| Loan and lease loss provision to assets | 0.0761% | 1,596 |
| Net operating income to assets | 0.4924% | 4,110 |
| Return on assets (ROA) | 0.4924% | 4,152 |
| Pretax return on assets | 0.6478% | 4,037 |
| Return on Equity (ROE) | 4.8661% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.8661% | 2,834 |
| Net charge-offs to loans | 0.1804% | 536 |
| Credit loss provision to net charge-offs | 67.7966% | 2,027 |
| Earnings coverage of net charge-offs (x) | 6.4492% | 2,397 |
| Efficiency ratio | 88.7102% | 365 |
| Assets per employee ($millions) | 4.3882% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,237 |
| Loan loss allowance to noncurrent loans | 218.5216% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 2,479 |
| Noncurrent loans to loans | 0.3748% | 2,242 |
| Net loans and leases to total assets | 57.1631% | 2,458 |
| Net loans and leases to deposits | 64.7441% | 2,620 |
| Net loans and leases to core deposits | 66.3047% | 2,790 |
| Total domestic deposits to total assets | 88.2908% | 1,879 |
| Equity capital to assets | 9.9195% | 2,736 |
| Core capital (leverage) ratio | 8.4871% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,638,400 | 1,635 |
| Average earning assets | $484,513,400 | 1,652 |
| Average equity | $53,184,200 | 1,675 |
| Average total loans | $327,008,400 | 1,603 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9366% | 4,108 |
| Cost of funding earning assets | 0.1120% | 4,412 |
| Net interest margin | 2.8246% | 3,724 |
| Noninterest income to average assets | 3.8666% | 149 |
| Noninterest expense to average assets | 5.7687% | 133 |
| Loan and lease loss provision to assets | 0.0952% | 1,252 |
| Net operating income to assets | 0.4602% | 4,279 |
| Return on assets (ROA) | 0.4602% | 4,316 |
| Pretax return on assets | 0.6000% | 4,235 |
| Return on Equity (ROE) | 4.5245% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.5245% | 3,396 |
| Net charge-offs to loans | 0.2395% | 344 |
| Credit loss provision to net charge-offs | 62.7119% | 1,790 |
| Earnings coverage of net charge-offs (x) | 4.5763% | 2,258 |
| Efficiency ratio | 89.2430% | 346 |
| Assets per employee ($millions) | 4.3634% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 4,329 |
| Loan loss allowance to noncurrent loans | 115.8059% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 1,810 |
| Noncurrent loans to loans | 0.6988% | 1,587 |
| Net loans and leases to total assets | 58.4502% | 2,430 |
| Net loans and leases to deposits | 66.3607% | 2,598 |
| Net loans and leases to core deposits | 67.4844% | 2,820 |
| Total domestic deposits to total assets | 88.0795% | 1,794 |
| Equity capital to assets | 9.8117% | 3,091 |
| Core capital (leverage) ratio | 8.3707% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,723,750 | 1,671 |
| Average earning assets | $476,098,500 | 1,683 |
| Average equity | $52,660,000 | 1,708 |
| Average total loans | $328,460,750 | 1,622 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9666% | 4,103 |
| Cost of funding earning assets | 0.1275% | 4,369 |
| Net interest margin | 2.8390% | 3,701 |
| Noninterest income to average assets | 3.8459% | 146 |
| Noninterest expense to average assets | 5.7012% | 139 |
| Loan and lease loss provision to assets | 0.0708% | 1,638 |
| Net operating income to assets | 0.5074% | 4,207 |
| Return on assets (ROA) | 0.5074% | 4,252 |
| Pretax return on assets | 0.6832% | 4,096 |
| Return on Equity (ROE) | 4.9260% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.9260% | 3,211 |
| Net charge-offs to loans | 0.0586% | 1,027 |
| Credit loss provision to net charge-offs | 185.5670% | 1,077 |
| Earnings coverage of net charge-offs (x) | 19.7629% | 1,535 |
| Efficiency ratio | 88.3195% | 388 |
| Assets per employee ($millions) | 4.3463% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,207 |
| Loan loss allowance to noncurrent loans | 44.9049% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 560 |
| Noncurrent loans to loans | 1.9636% | 504 |
| Net loans and leases to total assets | 61.0617% | 2,297 |
| Net loans and leases to deposits | 69.2530% | 2,490 |
| Net loans and leases to core deposits | 70.5385% | 2,731 |
| Total domestic deposits to total assets | 88.1719% | 1,738 |
| Equity capital to assets | 9.9256% | 2,916 |
| Core capital (leverage) ratio | 8.6301% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,491,667 | 1,684 |
| Average earning assets | $467,342,333 | 1,705 |
| Average equity | $52,375,000 | 1,707 |
| Average total loans | $330,814,333 | 1,623 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0866% | 3,913 |
| Cost of funding earning assets | 0.1482% | 4,317 |
| Net interest margin | 2.9384% | 3,412 |
| Noninterest income to average assets | 3.6525% | 162 |
| Noninterest expense to average assets | 5.7363% | 131 |
| Loan and lease loss provision to assets | 0.0727% | 1,724 |
| Net operating income to assets | 0.4101% | 4,344 |
| Return on assets (ROA) | 0.4101% | 4,372 |
| Pretax return on assets | 0.5490% | 4,275 |
| Return on Equity (ROE) | 3.9053% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.9053% | 3,529 |
| Net charge-offs to loans | 0.1170% | 603 |
| Credit loss provision to net charge-offs | 92.7835% | 1,164 |
| Earnings coverage of net charge-offs (x) | 7.9381% | 1,598 |
| Efficiency ratio | 90.2222% | 364 |
| Assets per employee ($millions) | 4.1086% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 4,307 |
| Loan loss allowance to noncurrent loans | 39.6450% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 475 |
| Noncurrent loans to loans | 2.1311% | 479 |
| Net loans and leases to total assets | 65.3515% | 1,891 |
| Net loans and leases to deposits | 74.5250% | 2,064 |
| Net loans and leases to core deposits | 76.0987% | 2,346 |
| Total domestic deposits to total assets | 87.6908% | 2,000 |
| Equity capital to assets | 10.3407% | 2,405 |
| Core capital (leverage) ratio | 8.9336% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $495,437,500 | 1,714 |
| Average earning assets | $456,166,500 | 1,726 |
| Average equity | $52,031,500 | 1,709 |
| Average total loans | $331,551,500 | 1,622 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 4,369 |
| Cost of funding earning assets | 0.2989% | 4,152 |
| Net interest margin | 2.9703% | 3,962 |
| Noninterest income to average assets | 3.5964% | 154 |
| Noninterest expense to average assets | 5.8875% | 134 |
| Loan and lease loss provision to assets | 0.1541% | 2,446 |
| Net operating income to assets | 0.1980% | 4,576 |
| Return on assets (ROA) | 0.1980% | 4,636 |
| Pretax return on assets | 0.2812% | 4,572 |
| Return on Equity (ROE) | 1.7454% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.7454% | 3,926 |
| Net charge-offs to loans | 0.1483% | 1,102 |
| Credit loss provision to net charge-offs | 145.8333% | 2,452 |
| Earnings coverage of net charge-offs (x) | 4.1188% | 3,025 |
| Efficiency ratio | 93.1151% | 290 |
| Assets per employee ($millions) | 4.0126% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 4,313 |
| Loan loss allowance to noncurrent loans | 24.9734% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.3257% | 211 |
| Noncurrent loans to loans | 3.4215% | 212 |
| Net loans and leases to total assets | 67.3941% | 1,904 |
| Net loans and leases to deposits | 77.1769% | 2,157 |
| Net loans and leases to core deposits | 78.9738% | 2,460 |
| Total domestic deposits to total assets | 87.3242% | 1,782 |
| Equity capital to assets | 10.6702% | 2,546 |
| Core capital (leverage) ratio | 9.1376% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,151,600 | 1,685 |
| Average earning assets | $416,861,800 | 1,707 |
| Average equity | $51,507,600 | 1,648 |
| Average total loans | $323,721,000 | 1,596 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 4,458 |
| Cost of funding earning assets | 0.3413% | 4,101 |
| Net interest margin | 2.9727% | 4,040 |
| Noninterest income to average assets | 3.5894% | 150 |
| Noninterest expense to average assets | 5.9972% | 132 |
| Loan and lease loss provision to assets | 0.1911% | 2,079 |
| Net operating income to assets | 0.1219% | 4,680 |
| Return on assets (ROA) | 0.1219% | 4,709 |
| Pretax return on assets | 0.1252% | 4,708 |
| Return on Equity (ROE) | 1.0577% | 4,698 |
| Retained earnings to average equity (ytd only) | 1.0577% | 4,239 |
| Net charge-offs to loans | -0.0004% | 3,775 |
| Credit loss provision to net charge-offs | -64,000.0000% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9891% | 242 |
| Assets per employee ($millions) | 3.8486% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,782 |
| Loan loss allowance to noncurrent loans | 30.9263% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2326% | 267 |
| Noncurrent loans to loans | 3.1705% | 280 |
| Net loans and leases to total assets | 69.7301% | 1,999 |
| Net loans and leases to deposits | 80.1220% | 2,301 |
| Net loans and leases to core deposits | 82.8951% | 2,591 |
| Total domestic deposits to total assets | 87.0299% | 1,657 |
| Equity capital to assets | 11.0016% | 2,397 |
| Core capital (leverage) ratio | 9.1924% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,309,000 | 1,686 |
| Average earning assets | $409,004,250 | 1,710 |
| Average equity | $51,433,000 | 1,637 |
| Average total loans | $322,143,000 | 1,601 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3834% | 4,555 |
| Cost of funding earning assets | 0.3794% | 4,130 |
| Net interest margin | 3.0040% | 4,118 |
| Noninterest income to average assets | 3.6154% | 133 |
| Noninterest expense to average assets | 6.0926% | 132 |
| Loan and lease loss provision to assets | 0.1459% | 2,552 |
| Net operating income to assets | 0.1236% | 4,656 |
| Return on assets (ROA) | 0.1236% | 4,690 |
| Pretax return on assets | 0.1354% | 4,696 |
| Return on Equity (ROE) | 1.0553% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.0553% | 4,086 |
| Net charge-offs to loans | -0.0006% | 3,731 |
| Credit loss provision to net charge-offs | -32,000.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5856% | 253 |
| Assets per employee ($millions) | 3.9002% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,054 |
| Loan loss allowance to noncurrent loans | 27.8657% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.2220% | 294 |
| Noncurrent loans to loans | 3.1784% | 285 |
| Net loans and leases to total assets | 69.2899% | 2,144 |
| Net loans and leases to deposits | 79.6580% | 2,469 |
| Net loans and leases to core deposits | 82.7196% | 2,721 |
| Total domestic deposits to total assets | 86.9842% | 1,624 |
| Equity capital to assets | 10.9170% | 2,414 |
| Core capital (leverage) ratio | 9.4585% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,568,000 | 1,690 |
| Average earning assets | $402,731,000 | 1,705 |
| Average equity | $51,358,667 | 1,630 |
| Average total loans | $319,308,333 | 1,598 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,493 |
| Cost of funding earning assets | 0.4267% | 4,250 |
| Net interest margin | 3.2039% | 3,846 |
| Noninterest income to average assets | 3.8048% | 117 |
| Noninterest expense to average assets | 6.5648% | 136 |
| Loan and lease loss provision to assets | 0.0569% | 3,051 |
| Net operating income to assets | 0.0853% | 4,669 |
| Return on assets (ROA) | 0.0853% | 4,663 |
| Pretax return on assets | 0.1233% | 4,641 |
| Return on Equity (ROE) | 0.7021% | 4,667 |
| Retained earnings to average equity (ytd only) | 0.7021% | 3,819 |
| Net charge-offs to loans | -0.0013% | 3,618 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3292% | 289 |
| Assets per employee ($millions) | 3.4661% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 4,295 |
| Loan loss allowance to noncurrent loans | 27.1882% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.3154% | 319 |
| Noncurrent loans to loans | 3.1024% | 336 |
| Net loans and leases to total assets | 74.0031% | 1,601 |
| Net loans and leases to deposits | 86.4942% | 1,931 |
| Net loans and leases to core deposits | 90.2686% | 2,317 |
| Total domestic deposits to total assets | 85.5584% | 2,190 |
| Equity capital to assets | 12.1371% | 1,970 |
| Core capital (leverage) ratio | 10.2502% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,889,000 | 1,704 |
| Average earning assets | $387,153,500 | 1,714 |
| Average equity | $51,278,000 | 1,616 |
| Average total loans | $314,003,000 | 1,582 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 4,201 |
| Cost of funding earning assets | 0.4130% | 4,403 |
| Net interest margin | 3.6112% | 3,101 |
| Noninterest income to average assets | 4.5068% | 101 |
| Noninterest expense to average assets | 6.8402% | 115 |
| Loan and lease loss provision to assets | 0.0483% | 3,061 |
| Net operating income to assets | 0.6916% | 3,889 |
| Return on assets (ROA) | 0.6916% | 3,956 |
| Pretax return on assets | 0.9247% | 3,666 |
| Return on Equity (ROE) | 5.4997% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.4997% | 2,163 |
| Net charge-offs to loans | 0.0003% | 3,721 |
| Credit loss provision to net charge-offs | 19,500.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 3,932.0000% | 17 |
| Efficiency ratio | 87.5471% | 465 |
| Assets per employee ($millions) | 3.4220% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,207 |
| Loan loss allowance to noncurrent loans | 26.2409% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 289 |
| Noncurrent loans to loans | 3.1728% | 280 |
| Net loans and leases to total assets | 73.6043% | 1,818 |
| Net loans and leases to deposits | 86.1515% | 2,073 |
| Net loans and leases to core deposits | 90.3662% | 2,391 |
| Total domestic deposits to total assets | 85.4358% | 2,328 |
| Equity capital to assets | 12.1718% | 2,032 |
| Core capital (leverage) ratio | 9.9514% | 3,567 |
| Tier 1 risk-based capital ratio | 16.7639% | 2,135 |
| Total risk-based capital ratio | 17.8038% | 2,139 |
| Memoranda: | ||
| Average total assets | $404,125,200 | 1,726 |
| Average earning assets | $370,013,800 | 1,749 |
| Average equity | $50,820,600 | 1,571 |
| Average total loans | $315,794,000 | 1,540 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 4,195 |
| Cost of funding earning assets | 0.4002% | 4,502 |
| Net interest margin | 3.6809% | 2,990 |
| Noninterest income to average assets | 4.6460% | 99 |
| Noninterest expense to average assets | 6.9394% | 112 |
| Loan and lease loss provision to assets | 0.0450% | 3,005 |
| Net operating income to assets | 0.7581% | 3,823 |
| Return on assets (ROA) | 0.7581% | 3,888 |
| Pretax return on assets | 1.0285% | 3,500 |
| Return on Equity (ROE) | 5.9780% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.9780% | 2,382 |
| Net charge-offs to loans | 0.0004% | 3,451 |
| Credit loss provision to net charge-offs | 13,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 3,227.9925% | 15 |
| Efficiency ratio | 86.6029% | 468 |
| Assets per employee ($millions) | 3.2522% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,383 |
| Loan loss allowance to noncurrent loans | 27.2523% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.2936% | 326 |
| Noncurrent loans to loans | 2.9754% | 333 |
| Net loans and leases to total assets | 76.4595% | 1,406 |
| Net loans and leases to deposits | 89.7567% | 1,728 |
| Net loans and leases to core deposits | 94.0057% | 2,178 |
| Total domestic deposits to total assets | 85.1853% | 2,358 |
| Equity capital to assets | 12.7410% | 1,759 |
| Core capital (leverage) ratio | 10.4398% | 3,155 |
| Tier 1 risk-based capital ratio | 16.5243% | 2,259 |
| Total risk-based capital ratio | 17.5443% | 2,265 |
| Memoranda: | ||
| Average total assets | $399,929,250 | 1,754 |
| Average earning assets | $365,811,250 | 1,772 |
| Average equity | $50,717,750 | 1,580 |
| Average total loans | $316,640,500 | 1,550 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 4,091 |
| Cost of funding earning assets | 0.3841% | 4,567 |
| Net interest margin | 3.7469% | 2,768 |
| Noninterest income to average assets | 4.6368% | 101 |
| Noninterest expense to average assets | 6.8604% | 116 |
| Loan and lease loss provision to assets | 0.0453% | 2,917 |
| Net operating income to assets | 0.8639% | 3,418 |
| Return on assets (ROA) | 0.8639% | 3,483 |
| Pretax return on assets | 1.1596% | 3,038 |
| Return on Equity (ROE) | 6.8231% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.8231% | 1,890 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0614% | 592 |
| Assets per employee ($millions) | 3.2088% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 4,466 |
| Loan loss allowance to noncurrent loans | 394.3128% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,972 |
| Noncurrent loans to loans | 0.2007% | 3,829 |
| Net loans and leases to total assets | 78.0076% | 1,215 |
| Net loans and leases to deposits | 91.6936% | 1,523 |
| Net loans and leases to core deposits | 96.3046% | 2,033 |
| Total domestic deposits to total assets | 85.0742% | 2,443 |
| Equity capital to assets | 12.7747% | 1,702 |
| Core capital (leverage) ratio | 10.4943% | 3,100 |
| Tier 1 risk-based capital ratio | 16.3236% | 2,295 |
| Total risk-based capital ratio | 17.3269% | 2,323 |
| Memoranda: | ||
| Average total assets | $397,729,330 | 1,765 |
| Average earning assets | $363,925,670 | 1,784 |
| Average equity | $50,358,330 | 1,582 |
| Average total loans | $317,730,330 | 1,551 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 4,031 |
| Cost of funding earning assets | 0.3537% | 4,666 |
| Net interest margin | 3.7864% | 2,580 |
| Noninterest income to average assets | 4.4439% | 101 |
| Noninterest expense to average assets | 6.7841% | 111 |
| Loan and lease loss provision to assets | 0.0454% | 2,738 |
| Net operating income to assets | 0.8100% | 3,580 |
| Return on assets (ROA) | 0.8100% | 3,619 |
| Pretax return on assets | 1.0746% | 3,223 |
| Return on Equity (ROE) | 6.4265% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.4265% | 2,268 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8293% | 591 |
| Assets per employee ($millions) | 3.1802% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,610 |
| Loan loss allowance to noncurrent loans | 414.8900% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 4,057 |
| Noncurrent loans to loans | 0.1853% | 3,924 |
| Net loans and leases to total assets | 79.6009% | 889 |
| Net loans and leases to deposits | 93.3183% | 1,246 |
| Net loans and leases to core deposits | 97.1637% | 1,845 |
| Total domestic deposits to total assets | 85.3004% | 2,562 |
| Equity capital to assets | 12.6583% | 1,650 |
| Core capital (leverage) ratio | 10.2486% | 3,329 |
| Tier 1 risk-based capital ratio | 15.7942% | 2,531 |
| Total risk-based capital ratio | 16.7698% | 2,560 |
| Memoranda: | ||
| Average total assets | $396,045,500 | 1,782 |
| Average earning assets | $361,926,500 | 1,802 |
| Average equity | $49,918,000 | 1,581 |
| Average total loans | $318,904,500 | 1,564 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 4,063 |
| Cost of funding earning assets | 0.2399% | 4,852 |
| Net interest margin | 3.7475% | 2,867 |
| Noninterest income to average assets | 5.3289% | 91 |
| Noninterest expense to average assets | 7.8584% | 92 |
| Loan and lease loss provision to assets | 0.0347% | 3,501 |
| Net operating income to assets | 0.6234% | 4,353 |
| Return on assets (ROA) | 0.6234% | 4,364 |
| Pretax return on assets | 0.8593% | 4,009 |
| Return on Equity (ROE) | 5.0489% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.0489% | 2,739 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7854% | 353 |
| Assets per employee ($millions) | 3.2078% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 4,663 |
| Loan loss allowance to noncurrent loans | 399.1708% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 4,065 |
| Noncurrent loans to loans | 0.1891% | 3,895 |
| Net loans and leases to total assets | 80.2189% | 907 |
| Net loans and leases to deposits | 93.9992% | 1,284 |
| Net loans and leases to core deposits | 97.3428% | 1,937 |
| Total domestic deposits to total assets | 85.3400% | 2,491 |
| Equity capital to assets | 12.5495% | 1,559 |
| Core capital (leverage) ratio | 10.1878% | 3,367 |
| Tier 1 risk-based capital ratio | 15.6150% | 2,571 |
| Total risk-based capital ratio | 16.5814% | 2,612 |
| Memoranda: | ||
| Average total assets | $388,691,400 | 1,767 |
| Average earning assets | $355,091,800 | 1,787 |
| Average equity | $47,990,600 | 1,570 |
| Average total loans | $314,269,000 | 1,537 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 4,096 |
| Cost of funding earning assets | 0.2210% | 4,935 |
| Net interest margin | 3.7238% | 2,921 |
| Noninterest income to average assets | 5.4002% | 91 |
| Noninterest expense to average assets | 7.8078% | 90 |
| Loan and lease loss provision to assets | 0.0310% | 3,398 |
| Net operating income to assets | 0.7141% | 4,179 |
| Return on assets (ROA) | 0.7141% | 4,188 |
| Pretax return on assets | 0.9616% | 3,845 |
| Return on Equity (ROE) | 5.8148% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.8148% | 2,749 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7211% | 373 |
| Assets per employee ($millions) | 3.0978% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 4,779 |
| Loan loss allowance to noncurrent loans | 286.3030% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 3,899 |
| Noncurrent loans to loans | 0.2585% | 3,762 |
| Net loans and leases to total assets | 80.5240% | 945 |
| Net loans and leases to deposits | 94.2722% | 1,354 |
| Net loans and leases to core deposits | 97.0585% | 2,020 |
| Total domestic deposits to total assets | 85.4165% | 2,451 |
| Equity capital to assets | 12.3699% | 1,664 |
| Core capital (leverage) ratio | 10.0754% | 3,552 |
| Tier 1 risk-based capital ratio | 15.0308% | 2,871 |
| Total risk-based capital ratio | 15.9608% | 2,939 |
| Memoranda: | ||
| Average total assets | $387,262,500 | 1,779 |
| Average earning assets | $353,610,750 | 1,800 |
| Average equity | $47,555,250 | 1,584 |
| Average total loans | $313,105,750 | 1,545 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,070 |
| Cost of funding earning assets | 0.2081% | 4,991 |
| Net interest margin | 3.6968% | 2,936 |
| Noninterest income to average assets | 5.3732% | 92 |
| Noninterest expense to average assets | 7.7952% | 95 |
| Loan and lease loss provision to assets | 0.0312% | 3,287 |
| Net operating income to assets | 0.6417% | 4,371 |
| Return on assets (ROA) | 0.6417% | 4,379 |
| Pretax return on assets | 0.9226% | 3,899 |
| Return on Equity (ROE) | 5.2390% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,961 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0986% | 407 |
| Assets per employee ($millions) | 3.1198% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 4,843 |
| Loan loss allowance to noncurrent loans | 278.2816% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 3,629 |
| Noncurrent loans to loans | 0.2659% | 3,758 |
| Net loans and leases to total assets | 80.2076% | 985 |
| Net loans and leases to deposits | 93.6769% | 1,391 |
| Net loans and leases to core deposits | 95.9561% | 2,058 |
| Total domestic deposits to total assets | 85.6216% | 2,444 |
| Equity capital to assets | 12.2655% | 1,689 |
| Core capital (leverage) ratio | 10.0901% | 3,490 |
| Tier 1 risk-based capital ratio | 15.0479% | 2,853 |
| Total risk-based capital ratio | 15.9877% | 2,930 |
| Memoranda: | ||
| Average total assets | $385,209,000 | 1,790 |
| Average earning assets | $351,761,330 | 1,813 |
| Average equity | $47,185,000 | 1,598 |
| Average total loans | $311,087,000 | 1,557 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 4,042 |
| Cost of funding earning assets | 0.1981% | 5,031 |
| Net interest margin | 3.6636% | 2,944 |
| Noninterest income to average assets | 5.4186% | 93 |
| Noninterest expense to average assets | 7.9493% | 93 |
| Loan and lease loss provision to assets | 0.0313% | 3,095 |
| Net operating income to assets | 0.5433% | 4,597 |
| Return on assets (ROA) | 0.5433% | 4,600 |
| Pretax return on assets | 0.7816% | 4,199 |
| Return on Equity (ROE) | 4.4386% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.4386% | 3,422 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7226% | 414 |
| Assets per employee ($millions) | 3.0867% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 4,937 |
| Loan loss allowance to noncurrent loans | 359.6875% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 3,825 |
| Noncurrent loans to loans | 0.2061% | 4,048 |
| Net loans and leases to total assets | 81.1853% | 764 |
| Net loans and leases to deposits | 94.6236% | 1,174 |
| Net loans and leases to core deposits | 95.8149% | 1,993 |
| Total domestic deposits to total assets | 85.7981% | 2,636 |
| Equity capital to assets | 12.4106% | 1,540 |
| Core capital (leverage) ratio | 9.9011% | 3,647 |
| Tier 1 risk-based capital ratio | 14.8117% | 2,971 |
| Total risk-based capital ratio | 15.7428% | 3,033 |
| Memoranda: | ||
| Average total assets | $382,827,000 | 1,812 |
| Average earning assets | $349,384,000 | 1,834 |
| Average equity | $46,861,500 | 1,614 |
| Average total loans | $309,070,500 | 1,564 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,838 |
| Cost of funding earning assets | 0.2306% | 4,724 |
| Net interest margin | 3.6356% | 3,039 |
| Noninterest income to average assets | 5.5936% | 96 |
| Noninterest expense to average assets | 7.7623% | 96 |
| Loan and lease loss provision to assets | 0.0319% | 3,632 |
| Net operating income to assets | 0.6329% | 3,880 |
| Return on assets (ROA) | 0.6329% | 3,915 |
| Pretax return on assets | 1.0978% | 3,192 |
| Return on Equity (ROE) | 5.2767% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.2767% | 1,950 |
| Net charge-offs to loans | 0.0249% | 3,311 |
| Credit loss provision to net charge-offs | 157.8947% | 1,691 |
| Earnings coverage of net charge-offs (x) | 55.9211% | 1,003 |
| Efficiency ratio | 87.2956% | 572 |
| Assets per employee ($millions) | 3.0634% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 4,982 |
| Loan loss allowance to noncurrent loans | 394.4444% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,939 |
| Noncurrent loans to loans | 0.1872% | 4,167 |
| Net loans and leases to total assets | 79.1046% | 1,097 |
| Net loans and leases to deposits | 91.6546% | 1,574 |
| Net loans and leases to core deposits | 92.9305% | 2,290 |
| Total domestic deposits to total assets | 86.3073% | 2,310 |
| Equity capital to assets | 12.0740% | 1,782 |
| Core capital (leverage) ratio | 9.5595% | 3,963 |
| Tier 1 risk-based capital ratio | 14.8113% | 2,924 |
| Total risk-based capital ratio | 15.7532% | 3,010 |
| Memoranda: | ||
| Average total assets | $376,213,600 | 1,802 |
| Average earning assets | $341,320,000 | 1,833 |
| Average equity | $45,122,800 | 1,657 |
| Average total loans | $304,842,000 | 1,549 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 3,824 |
| Cost of funding earning assets | 0.2349% | 4,707 |
| Net interest margin | 3.6170% | 3,079 |
| Noninterest income to average assets | 5.6122% | 103 |
| Noninterest expense to average assets | 7.8228% | 98 |
| Loan and lease loss provision to assets | 0.0321% | 3,482 |
| Net operating income to assets | 0.6496% | 4,192 |
| Return on assets (ROA) | 0.6496% | 4,248 |
| Pretax return on assets | 1.0363% | 3,539 |
| Return on Equity (ROE) | 5.4253% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.4253% | 2,585 |
| Net charge-offs to loans | 0.0333% | 2,765 |
| Credit loss provision to net charge-offs | 118.4211% | 2,026 |
| Earnings coverage of net charge-offs (x) | 39.4082% | 1,314 |
| Efficiency ratio | 87.9840% | 512 |
| Assets per employee ($millions) | 2.8694% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7222% | 5,091 |
| Loan loss allowance to noncurrent loans | 347.0588% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,902 |
| Noncurrent loans to loans | 0.2081% | 4,244 |
| Net loans and leases to total assets | 81.9900% | 691 |
| Net loans and leases to deposits | 95.6964% | 1,135 |
| Net loans and leases to core deposits | 96.5278% | 2,021 |
| Total domestic deposits to total assets | 85.6773% | 2,438 |
| Equity capital to assets | 12.1543% | 1,867 |
| Core capital (leverage) ratio | 9.5381% | 4,113 |
| Tier 1 risk-based capital ratio | 14.3444% | 3,268 |
| Total risk-based capital ratio | 15.2692% | 3,347 |
| Memoranda: | ||
| Average total assets | $373,768,500 | 1,826 |
| Average earning assets | $338,838,750 | 1,860 |
| Average equity | $44,752,250 | 1,682 |
| Average total loans | $304,149,750 | 1,561 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,829 |
| Cost of funding earning assets | 0.2413% | 4,627 |
| Net interest margin | 3.5781% | 3,116 |
| Noninterest income to average assets | 5.7186% | 102 |
| Noninterest expense to average assets | 7.8861% | 97 |
| Loan and lease loss provision to assets | 0.0322% | 3,354 |
| Net operating income to assets | 0.6540% | 4,057 |
| Return on assets (ROA) | 0.6540% | 4,115 |
| Pretax return on assets | 1.0433% | 3,394 |
| Return on Equity (ROE) | 5.4905% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.4905% | 2,413 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9995% | 547 |
| Assets per employee ($millions) | 2.6827% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 5,072 |
| Loan loss allowance to noncurrent loans | 307.9408% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 3,764 |
| Noncurrent loans to loans | 0.2446% | 4,154 |
| Net loans and leases to total assets | 80.8516% | 830 |
| Net loans and leases to deposits | 94.2966% | 1,234 |
| Net loans and leases to core deposits | 95.0829% | 2,065 |
| Total domestic deposits to total assets | 85.7417% | 2,506 |
| Equity capital to assets | 12.0914% | 1,869 |
| Core capital (leverage) ratio | 9.4345% | 4,194 |
| Tier 1 risk-based capital ratio | 14.5493% | 3,136 |
| Total risk-based capital ratio | 15.5233% | 3,198 |
| Memoranda: | ||
| Average total assets | $373,060,670 | 1,832 |
| Average earning assets | $338,112,000 | 1,865 |
| Average equity | $44,440,670 | 1,689 |
| Average total loans | $302,054,330 | 1,567 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 3,858 |
| Cost of funding earning assets | 0.2527% | 4,512 |
| Net interest margin | 3.5196% | 3,202 |
| Noninterest income to average assets | 5.5700% | 103 |
| Noninterest expense to average assets | 7.8811% | 101 |
| Loan and lease loss provision to assets | 0.0322% | 3,142 |
| Net operating income to assets | 0.5328% | 4,453 |
| Return on assets (ROA) | 0.5328% | 4,495 |
| Pretax return on assets | 0.8522% | 3,931 |
| Return on Equity (ROE) | 4.5062% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.5062% | 3,169 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9107% | 562 |
| Assets per employee ($millions) | 2.6766% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 5,208 |
| Loan loss allowance to noncurrent loans | 171.8417% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 3,781 |
| Noncurrent loans to loans | 0.4343% | 3,542 |
| Net loans and leases to total assets | 81.3075% | 656 |
| Net loans and leases to deposits | 94.6624% | 1,051 |
| Net loans and leases to core deposits | 95.6199% | 1,845 |
| Total domestic deposits to total assets | 85.8921% | 2,722 |
| Equity capital to assets | 12.0111% | 1,830 |
| Core capital (leverage) ratio | 9.2586% | 4,401 |
| Tier 1 risk-based capital ratio | 14.4035% | 3,256 |
| Total risk-based capital ratio | 15.3757% | 3,322 |
| Memoranda: | ||
| Average total assets | $373,145,000 | 1,845 |
| Average earning assets | $338,789,000 | 1,875 |
| Average equity | $44,117,000 | 1,707 |
| Average total loans | $301,193,000 | 1,574 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 3,836 |
| Cost of funding earning assets | 0.3221% | 3,821 |
| Net interest margin | 3.4978% | 3,438 |
| Noninterest income to average assets | 5.5834% | 111 |
| Noninterest expense to average assets | 7.7552% | 111 |
| Loan and lease loss provision to assets | 0.0326% | 3,699 |
| Net operating income to assets | 0.5827% | 4,278 |
| Return on assets (ROA) | 0.5827% | 4,392 |
| Pretax return on assets | 0.9529% | 3,645 |
| Return on Equity (ROE) | 5.0197% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.0197% | 2,335 |
| Net charge-offs to loans | 0.0007% | 4,262 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,811.5000% | 29 |
| Efficiency ratio | 88.7250% | 627 |
| Assets per employee ($millions) | 2.8773% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 5,258 |
| Loan loss allowance to noncurrent loans | 174.0625% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,918 |
| Noncurrent loans to loans | 0.4269% | 3,610 |
| Net loans and leases to total assets | 78.9490% | 1,051 |
| Net loans and leases to deposits | 92.7256% | 1,337 |
| Net loans and leases to core deposits | 93.7336% | 2,130 |
| Total domestic deposits to total assets | 85.1426% | 2,983 |
| Equity capital to assets | 11.6387% | 2,052 |
| Core capital (leverage) ratio | 9.0576% | 4,674 |
| Tier 1 risk-based capital ratio | 14.2668% | 3,306 |
| Total risk-based capital ratio | 15.2313% | 3,387 |
| Memoranda: | ||
| Average total assets | $367,622,800 | 1,820 |
| Average earning assets | $331,836,400 | 1,862 |
| Average equity | $42,671,800 | 1,734 |
| Average total loans | $293,295,000 | 1,550 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 3,855 |
| Cost of funding earning assets | 0.3324% | 3,759 |
| Net interest margin | 3.4917% | 3,503 |
| Noninterest income to average assets | 5.6212% | 111 |
| Noninterest expense to average assets | 7.8020% | 109 |
| Loan and lease loss provision to assets | 0.0328% | 3,573 |
| Net operating income to assets | 0.5749% | 4,393 |
| Return on assets (ROA) | 0.5749% | 4,505 |
| Pretax return on assets | 0.9336% | 3,865 |
| Return on Equity (ROE) | 4.9559% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.9559% | 2,856 |
| Net charge-offs to loans | 0.0009% | 3,921 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,322.3146% | 47 |
| Efficiency ratio | 88.9777% | 617 |
| Assets per employee ($millions) | 2.8324% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 5,364 |
| Loan loss allowance to noncurrent loans | 170.2556% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 4,025 |
| Noncurrent loans to loans | 0.4284% | 3,754 |
| Net loans and leases to total assets | 80.0143% | 896 |
| Net loans and leases to deposits | 96.6487% | 983 |
| Net loans and leases to core deposits | 97.6596% | 1,847 |
| Total domestic deposits to total assets | 82.7888% | 3,669 |
| Equity capital to assets | 11.5764% | 2,454 |
| Core capital (leverage) ratio | 8.9794% | 4,850 |
| Tier 1 risk-based capital ratio | 13.8580% | 3,630 |
| Total risk-based capital ratio | 14.7985% | 3,744 |
| Memoranda: | ||
| Average total assets | $365,297,750 | 1,837 |
| Average earning assets | $329,264,750 | 1,879 |
| Average equity | $42,372,500 | 1,756 |
| Average total loans | $291,667,500 | 1,558 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,862 |
| Cost of funding earning assets | 0.3389% | 3,707 |
| Net interest margin | 3.4878% | 3,533 |
| Noninterest income to average assets | 5.6346% | 108 |
| Noninterest expense to average assets | 7.9390% | 108 |
| Loan and lease loss provision to assets | 0.0331% | 3,486 |
| Net operating income to assets | 0.4911% | 4,712 |
| Return on assets (ROA) | 0.4911% | 4,814 |
| Pretax return on assets | 0.8029% | 4,268 |
| Return on Equity (ROE) | 4.2311% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.2311% | 3,219 |
| Net charge-offs to loans | 0.0014% | 3,659 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 757.5000% | 73 |
| Efficiency ratio | 90.4729% | 579 |
| Assets per employee ($millions) | 2.8550% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 5,471 |
| Loan loss allowance to noncurrent loans | 212.5490% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 4,180 |
| Noncurrent loans to loans | 0.3401% | 4,143 |
| Net loans and leases to total assets | 80.8344% | 782 |
| Net loans and leases to deposits | 99.4040% | 745 |
| Net loans and leases to core deposits | 100.7803% | 1,575 |
| Total domestic deposits to total assets | 81.3191% | 4,181 |
| Equity capital to assets | 11.5670% | 2,478 |
| Core capital (leverage) ratio | 8.9643% | 4,870 |
| Tier 1 risk-based capital ratio | 13.6439% | 3,805 |
| Total risk-based capital ratio | 14.5769% | 3,916 |
| Memoranda: | ||
| Average total assets | $362,439,670 | 1,851 |
| Average earning assets | $326,337,670 | 1,897 |
| Average equity | $42,069,670 | 1,762 |
| Average total loans | $288,440,330 | 1,576 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,889 |
| Cost of funding earning assets | 0.3491% | 3,605 |
| Net interest margin | 3.4673% | 3,595 |
| Noninterest income to average assets | 5.5241% | 108 |
| Noninterest expense to average assets | 8.2066% | 104 |
| Loan and lease loss provision to assets | 0.0334% | 3,213 |
| Net operating income to assets | 0.2348% | 5,466 |
| Return on assets (ROA) | 0.2348% | 5,528 |
| Pretax return on assets | 0.4117% | 5,286 |
| Return on Equity (ROE) | 2.0189% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.0189% | 4,450 |
| Net charge-offs to loans | 0.0028% | 3,021 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 303 |
| Efficiency ratio | 94.8560% | 422 |
| Assets per employee ($millions) | 2.7361% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 5,481 |
| Loan loss allowance to noncurrent loans | 237.0288% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 4,377 |
| Noncurrent loans to loans | 0.3179% | 4,292 |
| Net loans and leases to total assets | 76.7941% | 1,278 |
| Net loans and leases to deposits | 91.7055% | 1,388 |
| Net loans and leases to core deposits | 92.6818% | 2,124 |
| Total domestic deposits to total assets | 83.7399% | 3,623 |
| Equity capital to assets | 11.4328% | 2,504 |
| Core capital (leverage) ratio | 9.0726% | 4,767 |
| Tier 1 risk-based capital ratio | 14.1152% | 3,611 |
| Total risk-based capital ratio | 15.0879% | 3,729 |
| Memoranda: | ||
| Average total assets | $359,514,500 | 1,865 |
| Average earning assets | $324,287,500 | 1,913 |
| Average equity | $41,804,500 | 1,768 |
| Average total loans | $282,724,000 | 1,602 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 3,920 |
| Cost of funding earning assets | 0.3880% | 3,283 |
| Net interest margin | 3.4507% | 3,714 |
| Noninterest income to average assets | 6.0876% | 103 |
| Noninterest expense to average assets | 8.6691% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3181% | 5,301 |
| Return on assets (ROA) | 0.3181% | 5,388 |
| Pretax return on assets | 0.5246% | 5,054 |
| Return on Equity (ROE) | 2.6077% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.6077% | 4,221 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2942% | 471 |
| Assets per employee ($millions) | 2.6495% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 5,539 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 3,710 |
| Noncurrent loans to loans | 0.5991% | 3,377 |
| Net loans and leases to total assets | 79.3561% | 938 |
| Net loans and leases to deposits | 95.4745% | 1,070 |
| Net loans and leases to core deposits | 96.6419% | 1,784 |
| Total domestic deposits to total assets | 83.1176% | 3,802 |
| Equity capital to assets | 11.8312% | 2,089 |
| Core capital (leverage) ratio | 9.1154% | 4,733 |
| Tier 1 risk-based capital ratio | 14.2365% | 3,589 |
| Total risk-based capital ratio | 15.2114% | 3,664 |
| Memoranda: | ||
| Average total assets | $341,039,800 | 1,917 |
| Average earning assets | $306,980,200 | 1,980 |
| Average equity | $41,607,000 | 1,740 |
| Average total loans | $267,581,600 | 1,633 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 3,967 |
| Cost of funding earning assets | 0.3929% | 3,298 |
| Net interest margin | 3.4466% | 3,763 |
| Noninterest income to average assets | 6.1303% | 106 |
| Noninterest expense to average assets | 8.7243% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3075% | 5,433 |
| Return on assets (ROA) | 0.3075% | 5,519 |
| Pretax return on assets | 0.5082% | 5,199 |
| Return on Equity (ROE) | 2.5008% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.5008% | 4,626 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4959% | 467 |
| Assets per employee ($millions) | 2.7038% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,622 |
| Loan loss allowance to noncurrent loans | 139.9204% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 4,062 |
| Noncurrent loans to loans | 0.5372% | 3,733 |
| Net loans and leases to total assets | 79.2695% | 912 |
| Net loans and leases to deposits | 97.2870% | 881 |
| Net loans and leases to core deposits | 98.7094% | 1,634 |
| Total domestic deposits to total assets | 81.4801% | 4,331 |
| Equity capital to assets | 11.9361% | 2,152 |
| Core capital (leverage) ratio | 9.1699% | 4,775 |
| Tier 1 risk-based capital ratio | 14.5288% | 3,553 |
| Total risk-based capital ratio | 15.5336% | 3,607 |
| Memoranda: | ||
| Average total assets | $338,202,250 | 1,949 |
| Average earning assets | $304,409,000 | 2,012 |
| Average equity | $41,585,750 | 1,757 |
| Average total loans | $264,038,750 | 1,660 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,952 |
| Cost of funding earning assets | 0.4008% | 3,269 |
| Net interest margin | 3.4303% | 3,787 |
| Noninterest income to average assets | 6.2732% | 110 |
| Noninterest expense to average assets | 8.6850% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4177% | 5,088 |
| Return on assets (ROA) | 0.4177% | 5,186 |
| Pretax return on assets | 0.6705% | 4,756 |
| Return on Equity (ROE) | 3.3621% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.3621% | 3,904 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8329% | 587 |
| Assets per employee ($millions) | 2.6857% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 5,660 |
| Loan loss allowance to noncurrent loans | 101.3449% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 3,587 |
| Noncurrent loans to loans | 0.7628% | 3,210 |
| Net loans and leases to total assets | 79.4060% | 883 |
| Net loans and leases to deposits | 95.3005% | 1,021 |
| Net loans and leases to core deposits | 96.6003% | 1,750 |
| Total domestic deposits to total assets | 83.3217% | 3,823 |
| Equity capital to assets | 12.2739% | 1,825 |
| Core capital (leverage) ratio | 9.4196% | 4,391 |
| Tier 1 risk-based capital ratio | 14.7369% | 3,512 |
| Total risk-based capital ratio | 15.7589% | 3,559 |
| Memoranda: | ||
| Average total assets | $333,770,670 | 1,990 |
| Average earning assets | $299,919,670 | 2,046 |
| Average equity | $41,462,670 | 1,774 |
| Average total loans | $258,471,670 | 1,693 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 3,983 |
| Cost of funding earning assets | 0.4203% | 3,073 |
| Net interest margin | 3.3868% | 3,898 |
| Noninterest income to average assets | 6.1143% | 114 |
| Noninterest expense to average assets | 8.8031% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2217% | 5,628 |
| Return on assets (ROA) | 0.2217% | 5,719 |
| Pretax return on assets | 0.3478% | 5,544 |
| Return on Equity (ROE) | 1.7741% | 5,734 |
| Retained earnings to average equity (ytd only) | 1.7741% | 4,759 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1997% | 495 |
| Assets per employee ($millions) | 2.6408% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 5,633 |
| Loan loss allowance to noncurrent loans | 108.1497% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 3,704 |
| Noncurrent loans to loans | 0.7617% | 3,352 |
| Net loans and leases to total assets | 76.9546% | 1,065 |
| Net loans and leases to deposits | 89.9859% | 1,398 |
| Net loans and leases to core deposits | 91.2199% | 2,006 |
| Total domestic deposits to total assets | 85.5185% | 3,166 |
| Equity capital to assets | 12.5287% | 1,677 |
| Core capital (leverage) ratio | 9.4158% | 4,406 |
| Tier 1 risk-based capital ratio | 15.0759% | 3,394 |
| Total risk-based capital ratio | 16.1393% | 3,428 |
| Memoranda: | ||
| Average total assets | $330,111,500 | 2,021 |
| Average earning assets | $295,972,500 | 2,078 |
| Average equity | $41,261,500 | 1,784 |
| Average total loans | $251,230,000 | 1,736 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,361 |
| Cost of funding earning assets | 0.4779% | 2,904 |
| Net interest margin | 3.3604% | 4,371 |
| Noninterest income to average assets | 6.0539% | 103 |
| Noninterest expense to average assets | 8.6011% | 94 |
| Loan and lease loss provision to assets | 0.0091% | 4,444 |
| Net operating income to assets | 0.2475% | 5,665 |
| Return on assets (ROA) | 0.2475% | 5,720 |
| Pretax return on assets | 0.4426% | 5,399 |
| Return on Equity (ROE) | 1.9952% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.9952% | 4,794 |
| Net charge-offs to loans | -0.0605% | 5,992 |
| Credit loss provision to net charge-offs | -20.5479% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0099% | 545 |
| Assets per employee ($millions) | 2.6200% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,618 |
| Loan loss allowance to noncurrent loans | 131.3006% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 4,180 |
| Noncurrent loans to loans | 0.6524% | 3,729 |
| Net loans and leases to total assets | 73.9763% | 1,586 |
| Net loans and leases to deposits | 86.9285% | 1,857 |
| Net loans and leases to core deposits | 88.1424% | 2,484 |
| Total domestic deposits to total assets | 85.1002% | 3,248 |
| Equity capital to assets | 12.4698% | 1,670 |
| Core capital (leverage) ratio | 9.2134% | 4,661 |
| Tier 1 risk-based capital ratio | 15.5823% | 3,193 |
| Total risk-based capital ratio | 16.7126% | 3,181 |
| Memoranda: | ||
| Average total assets | $328,945,600 | 1,977 |
| Average earning assets | $293,567,400 | 2,045 |
| Average equity | $40,797,600 | 1,751 |
| Average total loans | $241,511,600 | 1,748 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 4,447 |
| Cost of funding earning assets | 0.4899% | 2,863 |
| Net interest margin | 3.3366% | 4,486 |
| Noninterest income to average assets | 6.0537% | 104 |
| Noninterest expense to average assets | 8.6350% | 92 |
| Loan and lease loss provision to assets | 0.0122% | 4,174 |
| Net operating income to assets | 0.2134% | 5,828 |
| Return on assets (ROA) | 0.2134% | 5,875 |
| Pretax return on assets | 0.3797% | 5,622 |
| Return on Equity (ROE) | 1.7229% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.7229% | 5,188 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6586% | 515 |
| Assets per employee ($millions) | 2.6350% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,888 |
| Loan loss allowance to noncurrent loans | 121.3095% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 4,385 |
| Noncurrent loans to loans | 0.6545% | 3,977 |
| Net loans and leases to total assets | 75.7220% | 1,260 |
| Net loans and leases to deposits | 89.3116% | 1,507 |
| Net loans and leases to core deposits | 90.8104% | 2,144 |
| Total domestic deposits to total assets | 84.7840% | 3,428 |
| Equity capital to assets | 12.6319% | 1,620 |
| Core capital (leverage) ratio | 9.2069% | 4,780 |
| Tier 1 risk-based capital ratio | 15.3907% | 3,379 |
| Total risk-based capital ratio | 16.4403% | 3,422 |
| Memoranda: | ||
| Average total assets | $328,652,500 | 1,984 |
| Average earning assets | $292,866,000 | 2,058 |
| Average equity | $40,705,750 | 1,763 |
| Average total loans | $240,309,750 | 1,765 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 4,719 |
| Cost of funding earning assets | 0.5022% | 2,811 |
| Net interest margin | 3.2415% | 4,804 |
| Noninterest income to average assets | 5.9145% | 101 |
| Noninterest expense to average assets | 8.3387% | 102 |
| Loan and lease loss provision to assets | 0.0182% | 3,902 |
| Net operating income to assets | 0.2526% | 5,703 |
| Return on assets (ROA) | 0.2526% | 5,783 |
| Pretax return on assets | 0.4428% | 5,443 |
| Return on Equity (ROE) | 2.0528% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.0528% | 4,865 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7615% | 607 |
| Assets per employee ($millions) | 2.6164% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 5,957 |
| Loan loss allowance to noncurrent loans | 99.4934% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 4,183 |
| Noncurrent loans to loans | 0.8122% | 3,679 |
| Net loans and leases to total assets | 73.1276% | 1,557 |
| Net loans and leases to deposits | 85.8590% | 1,828 |
| Net loans and leases to core deposits | 87.7175% | 2,339 |
| Total domestic deposits to total assets | 85.1718% | 3,422 |
| Equity capital to assets | 12.3863% | 1,715 |
| Core capital (leverage) ratio | 9.1791% | 4,770 |
| Tier 1 risk-based capital ratio | 15.6130% | 3,287 |
| Total risk-based capital ratio | 16.6817% | 3,333 |
| Memoranda: | ||
| Average total assets | $330,170,000 | 1,978 |
| Average earning assets | $293,880,670 | 2,046 |
| Average equity | $40,627,670 | 1,758 |
| Average total loans | $237,953,330 | 1,770 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,685 |
| Cost of funding earning assets | 0.5125% | 2,778 |
| Net interest margin | 3.2343% | 4,801 |
| Noninterest income to average assets | 5.7599% | 101 |
| Noninterest expense to average assets | 8.1980% | 107 |
| Loan and lease loss provision to assets | 0.0363% | 3,333 |
| Net operating income to assets | 0.2893% | 5,535 |
| Return on assets (ROA) | 0.2893% | 5,579 |
| Pretax return on assets | 0.3983% | 5,459 |
| Return on Equity (ROE) | 2.3590% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.3590% | 4,657 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9656% | 696 |
| Assets per employee ($millions) | 2.6778% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,028 |
| Loan loss allowance to noncurrent loans | 87.4833% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 4,066 |
| Noncurrent loans to loans | 0.9571% | 3,497 |
| Net loans and leases to total assets | 70.6185% | 1,784 |
| Net loans and leases to deposits | 82.8680% | 1,961 |
| Net loans and leases to core deposits | 84.7386% | 2,438 |
| Total domestic deposits to total assets | 85.2180% | 3,766 |
| Equity capital to assets | 12.3407% | 1,664 |
| Core capital (leverage) ratio | 9.0308% | 4,963 |
| Tier 1 risk-based capital ratio | 16.3314% | 2,989 |
| Total risk-based capital ratio | 17.4563% | 3,015 |
| Memoranda: | ||
| Average total assets | $330,424,000 | 1,981 |
| Average earning assets | $293,476,500 | 2,056 |
| Average equity | $40,525,000 | 1,760 |
| Average total loans | $235,411,000 | 1,788 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 4,680 |
| Cost of funding earning assets | 0.6782% | 1,972 |
| Net interest margin | 3.1557% | 5,144 |
| Noninterest income to average assets | 6.1923% | 106 |
| Noninterest expense to average assets | 8.2425% | 114 |
| Loan and lease loss provision to assets | 0.0371% | 4,377 |
| Net operating income to assets | 0.5129% | 4,674 |
| Return on assets (ROA) | 0.5129% | 4,806 |
| Pretax return on assets | 0.7492% | 4,343 |
| Return on Equity (ROE) | 4.1852% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.1852% | 3,196 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2914% | 925 |
| Assets per employee ($millions) | 2.6732% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 6,130 |
| Loan loss allowance to noncurrent loans | 83.1113% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 4,147 |
| Noncurrent loans to loans | 0.9849% | 3,552 |
| Net loans and leases to total assets | 70.6918% | 1,902 |
| Net loans and leases to deposits | 83.3799% | 2,012 |
| Net loans and leases to core deposits | 85.2633% | 2,533 |
| Total domestic deposits to total assets | 84.7828% | 3,856 |
| Equity capital to assets | 12.1889% | 1,693 |
| Core capital (leverage) ratio | 9.0040% | 5,000 |
| Tier 1 risk-based capital ratio | 15.9808% | 3,097 |
| Total risk-based capital ratio | 17.0739% | 3,142 |
| Memoranda: | ||
| Average total assets | $323,675,400 | 1,986 |
| Average earning assets | $290,929,800 | 2,037 |
| Average equity | $39,663,600 | 1,762 |
| Average total loans | $229,878,000 | 1,786 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 4,686 |
| Cost of funding earning assets | 0.7059% | 1,910 |
| Net interest margin | 3.1374% | 5,209 |
| Noninterest income to average assets | 6.3784% | 105 |
| Noninterest expense to average assets | 8.2984% | 108 |
| Loan and lease loss provision to assets | 0.0373% | 4,264 |
| Net operating income to assets | 0.5644% | 4,506 |
| Return on assets (ROA) | 0.5644% | 4,658 |
| Pretax return on assets | 0.8773% | 3,976 |
| Return on Equity (ROE) | 4.5998% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.5998% | 3,396 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0724% | 984 |
| Assets per employee ($millions) | 2.6451% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 6,252 |
| Loan loss allowance to noncurrent loans | 82.2107% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 3,242 |
| Noncurrent loans to loans | 0.9909% | 3,826 |
| Net loans and leases to total assets | 73.0379% | 1,448 |
| Net loans and leases to deposits | 86.9061% | 1,503 |
| Net loans and leases to core deposits | 88.8206% | 2,098 |
| Total domestic deposits to total assets | 84.0424% | 4,170 |
| Equity capital to assets | 12.6587% | 1,498 |
| Core capital (leverage) ratio | 9.0346% | 5,073 |
| Tier 1 risk-based capital ratio | 15.7949% | 3,303 |
| Total risk-based capital ratio | 16.8698% | 3,356 |
| Memoranda: | ||
| Average total assets | $321,725,750 | 2,006 |
| Average earning assets | $290,678,250 | 2,046 |
| Average equity | $39,478,750 | 1,780 |
| Average total loans | $228,282,750 | 1,800 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,785 |
| Cost of funding earning assets | 0.7209% | 1,916 |
| Net interest margin | 3.0909% | 5,294 |
| Noninterest income to average assets | 6.4122% | 110 |
| Noninterest expense to average assets | 8.1674% | 115 |
| Loan and lease loss provision to assets | 0.0371% | 4,207 |
| Net operating income to assets | 0.5595% | 4,502 |
| Return on assets (ROA) | 0.5595% | 4,673 |
| Pretax return on assets | 1.0205% | 3,417 |
| Return on Equity (ROE) | 4.6070% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.6070% | 3,334 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5348% | 1,168 |
| Assets per employee ($millions) | 2.5720% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 6,323 |
| Loan loss allowance to noncurrent loans | 57.1341% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0121% | 3,732 |
| Noncurrent loans to loans | 1.4332% | 3,149 |
| Net loans and leases to total assets | 70.0422% | 1,871 |
| Net loans and leases to deposits | 83.9274% | 1,809 |
| Net loans and leases to core deposits | 85.8640% | 2,344 |
| Total domestic deposits to total assets | 83.4557% | 4,521 |
| Equity capital to assets | 12.2560% | 1,736 |
| Core capital (leverage) ratio | 11.0075% | 2,344 |
| Tier 1 risk-based capital ratio | 20.0763% | 1,704 |
| Total risk-based capital ratio | 21.1555% | 1,716 |
| Memoranda: | ||
| Average total assets | $323,164,670 | 2,007 |
| Average earning assets | $294,088,000 | 2,017 |
| Average equity | $39,245,000 | 1,789 |
| Average total loans | $226,466,000 | 1,816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,639 |
| Cost of funding earning assets | 0.7483% | 1,864 |
| Net interest margin | 3.1053% | 5,241 |
| Noninterest income to average assets | 6.0202% | 118 |
| Noninterest expense to average assets | 7.9328% | 124 |
| Loan and lease loss provision to assets | 0.0372% | 3,970 |
| Net operating income to assets | 0.4698% | 4,822 |
| Return on assets (ROA) | 0.4698% | 4,990 |
| Pretax return on assets | 0.8689% | 3,876 |
| Return on Equity (ROE) | 3.8863% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.8863% | 3,905 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7490% | 1,166 |
| Assets per employee ($millions) | 2.6710% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 6,421 |
| Loan loss allowance to noncurrent loans | 57.3383% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 3,799 |
| Noncurrent loans to loans | 1.4321% | 3,422 |
| Net loans and leases to total assets | 69.4906% | 1,757 |
| Net loans and leases to deposits | 83.8038% | 1,621 |
| Net loans and leases to core deposits | 85.7668% | 2,131 |
| Total domestic deposits to total assets | 82.9206% | 4,878 |
| Equity capital to assets | 12.2291% | 1,887 |
| Core capital (leverage) ratio | 10.8838% | 2,366 |
| Tier 1 risk-based capital ratio | 20.0062% | 1,769 |
| Total risk-based capital ratio | 21.0837% | 1,779 |
| Memoranda: | ||
| Average total assets | $322,712,500 | 2,034 |
| Average earning assets | $292,920,000 | 2,059 |
| Average equity | $39,008,500 | 1,819 |
| Average total loans | $225,269,500 | 1,832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 5,089 |
| Cost of funding earning assets | 0.9182% | 1,831 |
| Net interest margin | 3.1457% | 5,707 |
| Noninterest income to average assets | 5.9896% | 117 |
| Noninterest expense to average assets | 7.8137% | 118 |
| Loan and lease loss provision to assets | 0.0385% | 5,393 |
| Net operating income to assets | 0.5927% | 4,272 |
| Return on assets (ROA) | 0.6351% | 4,329 |
| Pretax return on assets | 1.0802% | 3,232 |
| Return on Equity (ROE) | 5.2251% | 4,575 |
| Retained earnings to average equity (ytd only) | 5.2251% | 2,555 |
| Net charge-offs to loans | 0.1554% | 4,148 |
| Credit loss provision to net charge-offs | 34.4828% | 5,031 |
| Earnings coverage of net charge-offs (x) | 9.6379% | 2,243 |
| Efficiency ratio | 87.8926% | 1,253 |
| Assets per employee ($millions) | 2.7303% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 6,484 |
| Loan loss allowance to noncurrent loans | 49.9037% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 3,346 |
| Noncurrent loans to loans | 1.6086% | 3,213 |
| Net loans and leases to total assets | 68.9894% | 2,036 |
| Net loans and leases to deposits | 83.4232% | 1,827 |
| Net loans and leases to core deposits | 85.5331% | 2,372 |
| Total domestic deposits to total assets | 82.6980% | 4,848 |
| Equity capital to assets | 11.9482% | 2,075 |
| Core capital (leverage) ratio | 10.7755% | 2,468 |
| Tier 1 risk-based capital ratio | 19.5625% | 1,798 |
| Total risk-based capital ratio | 20.6128% | 1,821 |
| Memoranda: | ||
| Average total assets | $311,606,200 | 2,063 |
| Average earning assets | $287,313,800 | 2,062 |
| Average equity | $37,874,600 | 1,833 |
| Average total loans | $223,952,600 | 1,813 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 5,074 |
| Cost of funding earning assets | 0.9372% | 1,941 |
| Net interest margin | 3.1938% | 5,718 |
| Noninterest income to average assets | 5.9235% | 120 |
| Noninterest expense to average assets | 7.7227% | 117 |
| Loan and lease loss provision to assets | 0.0389% | 5,288 |
| Net operating income to assets | 0.6634% | 4,075 |
| Return on assets (ROA) | 0.6634% | 4,341 |
| Pretax return on assets | 1.1245% | 3,254 |
| Return on Equity (ROE) | 5.4341% | 4,629 |
| Retained earnings to average equity (ytd only) | 5.4341% | 3,077 |
| Net charge-offs to loans | 0.2076% | 3,486 |
| Credit loss provision to net charge-offs | 25.8621% | 4,863 |
| Earnings coverage of net charge-offs (x) | 7.7299% | 2,563 |
| Efficiency ratio | 86.9074% | 1,311 |
| Assets per employee ($millions) | 2.6830% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 6,622 |
| Loan loss allowance to noncurrent loans | 43.0398% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 3,318 |
| Noncurrent loans to loans | 1.8414% | 3,021 |
| Net loans and leases to total assets | 71.1402% | 1,704 |
| Net loans and leases to deposits | 87.6314% | 1,399 |
| Net loans and leases to core deposits | 89.6453% | 2,032 |
| Total domestic deposits to total assets | 81.1812% | 5,303 |
| Equity capital to assets | 12.2419% | 2,079 |
| Core capital (leverage) ratio | 12.9560% | 1,206 |
| Tier 1 risk-based capital ratio | 23.8920% | 1,034 |
| Total risk-based capital ratio | 24.9445% | 1,046 |
| Memoranda: | ||
| Average total assets | $308,280,000 | 2,111 |
| Average earning assets | $285,961,750 | 2,094 |
| Average equity | $37,638,000 | 1,862 |
| Average total loans | $223,448,750 | 1,832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 4,996 |
| Cost of funding earning assets | 0.9567% | 2,019 |
| Net interest margin | 3.2304% | 5,642 |
| Noninterest income to average assets | 5.9216% | 116 |
| Noninterest expense to average assets | 7.7499% | 122 |
| Loan and lease loss provision to assets | 0.0392% | 5,183 |
| Net operating income to assets | 0.6338% | 4,204 |
| Return on assets (ROA) | 0.6338% | 4,451 |
| Pretax return on assets | 1.1299% | 3,195 |
| Return on Equity (ROE) | 5.1961% | 4,711 |
| Retained earnings to average equity (ytd only) | 5.1961% | 3,158 |
| Net charge-offs to loans | 0.0323% | 4,922 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 736 |
| Efficiency ratio | 86.8926% | 1,352 |
| Assets per employee ($millions) | 2.6248% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,407 |
| Loan loss allowance to noncurrent loans | 47.8019% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5770% | 3,347 |
| Noncurrent loans to loans | 1.9270% | 3,031 |
| Net loans and leases to total assets | 71.1449% | 1,711 |
| Net loans and leases to deposits | 87.5381% | 1,418 |
| Net loans and leases to core deposits | 89.4147% | 2,041 |
| Total domestic deposits to total assets | 81.2730% | 5,365 |
| Equity capital to assets | 12.1243% | 2,050 |
| Core capital (leverage) ratio | 12.8749% | 1,186 |
| Tier 1 risk-based capital ratio | 23.5072% | 1,074 |
| Total risk-based capital ratio | 24.7254% | 1,061 |
| Memoranda: | ||
| Average total assets | $306,402,000 | 2,117 |
| Average earning assets | $284,303,000 | 2,097 |
| Average equity | $37,374,330 | 1,867 |
| Average total loans | $222,897,330 | 1,821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 5,135 |
| Cost of funding earning assets | 0.9976% | 1,995 |
| Net interest margin | 3.1942% | 5,796 |
| Noninterest income to average assets | 5.9336% | 118 |
| Noninterest expense to average assets | 7.8240% | 118 |
| Loan and lease loss provision to assets | 0.0395% | 4,892 |
| Net operating income to assets | 0.5721% | 4,483 |
| Return on assets (ROA) | 0.5721% | 4,707 |
| Pretax return on assets | 1.0375% | 3,543 |
| Return on Equity (ROE) | 4.6760% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.6760% | 3,762 |
| Net charge-offs to loans | 0.0306% | 4,258 |
| Credit loss provision to net charge-offs | 176.4706% | 1,451 |
| Earnings coverage of net charge-offs (x) | 48.0588% | 657 |
| Efficiency ratio | 87.8999% | 1,294 |
| Assets per employee ($millions) | 2.6754% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,494 |
| Loan loss allowance to noncurrent loans | 37.4658% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 2.1071% | 2,769 |
| Noncurrent loans to loans | 2.4551% | 2,655 |
| Net loans and leases to total assets | 71.9466% | 1,417 |
| Net loans and leases to deposits | 89.5573% | 1,001 |
| Net loans and leases to core deposits | 91.6228% | 1,686 |
| Total domestic deposits to total assets | 80.3357% | 5,772 |
| Equity capital to assets | 12.1361% | 1,950 |
| Core capital (leverage) ratio | 12.9424% | 1,149 |
| Tier 1 risk-based capital ratio | 23.0556% | 1,125 |
| Total risk-based capital ratio | 24.2624% | 1,119 |
| Memoranda: | ||
| Average total assets | $303,424,500 | 2,147 |
| Average earning assets | $281,883,500 | 2,119 |
| Average equity | $37,126,000 | 1,877 |
| Average total loans | $222,200,000 | 1,840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 5,148 |
| Cost of funding earning assets | 1.1890% | 2,098 |
| Net interest margin | 3.2925% | 5,826 |
| Noninterest income to average assets | 5.7226% | 106 |
| Noninterest expense to average assets | 7.5949% | 118 |
| Loan and lease loss provision to assets | 0.0406% | 6,068 |
| Net operating income to assets | 0.6649% | 3,663 |
| Return on assets (ROA) | 0.6649% | 3,850 |
| Pretax return on assets | 1.1417% | 2,688 |
| Return on Equity (ROE) | 5.4237% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.4237% | 2,353 |
| Net charge-offs to loans | 0.0761% | 5,558 |
| Credit loss provision to net charge-offs | 70.1754% | 4,843 |
| Earnings coverage of net charge-offs (x) | 20.4327% | 1,128 |
| Efficiency ratio | 86.5299% | 1,494 |
| Assets per employee ($millions) | 2.5791% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 6,477 |
| Loan loss allowance to noncurrent loans | 38.8361% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8668% | 3,163 |
| Noncurrent loans to loans | 2.3793% | 2,754 |
| Net loans and leases to total assets | 73.1819% | 1,413 |
| Net loans and leases to deposits | 92.7328% | 906 |
| Net loans and leases to core deposits | 94.9701% | 1,589 |
| Total domestic deposits to total assets | 78.9170% | 6,014 |
| Equity capital to assets | 12.3381% | 1,886 |
| Core capital (leverage) ratio | 12.9970% | 1,141 |
| Tier 1 risk-based capital ratio | 23.2454% | 1,074 |
| Total risk-based capital ratio | 24.4700% | 1,056 |
| Memoranda: | ||
| Average total assets | $295,528,200 | 2,164 |
| Average earning assets | $274,172,200 | 2,138 |
| Average equity | $36,229,800 | 1,873 |
| Average total loans | $224,717,400 | 1,841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 5,107 |
| Cost of funding earning assets | 1.2264% | 2,151 |
| Net interest margin | 3.3171% | 5,814 |
| Noninterest income to average assets | 5.6497% | 111 |
| Noninterest expense to average assets | 7.5296% | 118 |
| Loan and lease loss provision to assets | 0.0407% | 5,929 |
| Net operating income to assets | 0.6761% | 3,738 |
| Return on assets (ROA) | 0.6761% | 3,912 |
| Pretax return on assets | 1.1540% | 2,810 |
| Return on Equity (ROE) | 5.5241% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.5241% | 2,846 |
| Net charge-offs to loans | 0.0490% | 5,499 |
| Credit loss provision to net charge-offs | 108.4337% | 3,048 |
| Earnings coverage of net charge-offs (x) | 31.8083% | 895 |
| Efficiency ratio | 86.3056% | 1,505 |
| Assets per employee ($millions) | 2.6093% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 6,472 |
| Loan loss allowance to noncurrent loans | 56.7568% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2439% | 4,312 |
| Noncurrent loans to loans | 1.6623% | 3,803 |
| Net loans and leases to total assets | 74.1210% | 1,312 |
| Net loans and leases to deposits | 94.4822% | 798 |
| Net loans and leases to core deposits | 96.6848% | 1,537 |
| Total domestic deposits to total assets | 78.4497% | 6,106 |
| Equity capital to assets | 12.3863% | 1,979 |
| Core capital (leverage) ratio | 12.9151% | 1,257 |
| Tier 1 risk-based capital ratio | 23.1809% | 1,125 |
| Total risk-based capital ratio | 24.4308% | 1,106 |
| Memoranda: | ||
| Average total assets | $294,615,500 | 2,174 |
| Average earning assets | $273,085,750 | 2,150 |
| Average equity | $36,059,000 | 1,875 |
| Average total loans | $225,650,000 | 1,854 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 4,979 |
| Cost of funding earning assets | 1.2481% | 2,262 |
| Net interest margin | 3.3476% | 5,713 |
| Noninterest income to average assets | 5.5784% | 118 |
| Noninterest expense to average assets | 7.4601% | 122 |
| Loan and lease loss provision to assets | 0.0409% | 5,799 |
| Net operating income to assets | 0.6402% | 3,853 |
| Return on assets (ROA) | 0.6402% | 3,975 |
| Pretax return on assets | 1.1809% | 2,557 |
| Return on Equity (ROE) | 5.2518% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.2518% | 2,841 |
| Net charge-offs to loans | 0.0732% | 4,916 |
| Credit loss provision to net charge-offs | 72.2892% | 4,010 |
| Earnings coverage of net charge-offs (x) | 21.6145% | 1,149 |
| Efficiency ratio | 85.9272% | 1,608 |
| Assets per employee ($millions) | 2.5919% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 6,591 |
| Loan loss allowance to noncurrent loans | 74.6215% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 4,733 |
| Noncurrent loans to loans | 1.2383% | 4,590 |
| Net loans and leases to total assets | 74.4642% | 1,333 |
| Net loans and leases to deposits | 95.2257% | 782 |
| Net loans and leases to core deposits | 97.3546% | 1,548 |
| Total domestic deposits to total assets | 78.1976% | 6,249 |
| Equity capital to assets | 12.1736% | 1,981 |
| Core capital (leverage) ratio | 12.7815% | 1,255 |
| Tier 1 risk-based capital ratio | 23.0515% | 1,109 |
| Total risk-based capital ratio | 24.3015% | 1,095 |
| Memoranda: | ||
| Average total assets | $293,668,330 | 2,186 |
| Average earning assets | $272,256,670 | 2,158 |
| Average equity | $35,797,330 | 1,874 |
| Average total loans | $226,674,000 | 1,865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 4,709 |
| Cost of funding earning assets | 1.2738% | 2,340 |
| Net interest margin | 3.3845% | 5,486 |
| Noninterest income to average assets | 5.4565% | 126 |
| Noninterest expense to average assets | 7.4080% | 128 |
| Loan and lease loss provision to assets | 0.0412% | 5,474 |
| Net operating income to assets | 0.6162% | 3,958 |
| Return on assets (ROA) | 0.6162% | 4,023 |
| Pretax return on assets | 1.1432% | 2,595 |
| Return on Equity (ROE) | 5.0515% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.0515% | 3,156 |
| Net charge-offs to loans | 0.1386% | 3,680 |
| Credit loss provision to net charge-offs | 37.9747% | 3,984 |
| Earnings coverage of net charge-offs (x) | 10.9241% | 1,598 |
| Efficiency ratio | 86.2163% | 1,692 |
| Assets per employee ($millions) | 2.6303% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 6,691 |
| Loan loss allowance to noncurrent loans | 76.0417% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,766 |
| Noncurrent loans to loans | 1.1885% | 4,701 |
| Net loans and leases to total assets | 76.7630% | 911 |
| Net loans and leases to deposits | 98.4040% | 552 |
| Net loans and leases to core deposits | 100.5532% | 1,294 |
| Total domestic deposits to total assets | 78.0081% | 6,379 |
| Equity capital to assets | 12.2528% | 1,759 |
| Core capital (leverage) ratio | 12.8602% | 1,171 |
| Tier 1 risk-based capital ratio | 22.5521% | 1,135 |
| Total risk-based capital ratio | 23.7845% | 1,119 |
| Memoranda: | ||
| Average total assets | $291,470,500 | 2,216 |
| Average earning assets | $270,057,500 | 2,197 |
| Average equity | $35,553,500 | 1,870 |
| Average total loans | $228,000,500 | 1,875 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 4,436 |
| Cost of funding earning assets | 1.4416% | 3,011 |
| Net interest margin | 3.5821% | 4,900 |
| Noninterest income to average assets | 4.9793% | 135 |
| Noninterest expense to average assets | 7.0095% | 157 |
| Loan and lease loss provision to assets | 0.0421% | 6,743 |
| Net operating income to assets | 0.7328% | 3,084 |
| Return on assets (ROA) | 0.7328% | 3,209 |
| Pretax return on assets | 1.2406% | 2,099 |
| Return on Equity (ROE) | 6.2268% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.2268% | 1,704 |
| Net charge-offs to loans | 0.0017% | 6,839 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 913.7500% | 15 |
| Efficiency ratio | 84.5311% | 1,857 |
| Assets per employee ($millions) | 2.6452% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,698 |
| Loan loss allowance to noncurrent loans | 87.9412% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,991 |
| Noncurrent loans to loans | 1.0355% | 5,000 |
| Net loans and leases to total assets | 78.2686% | 902 |
| Net loans and leases to deposits | 102.0871% | 484 |
| Net loans and leases to core deposits | 104.2617% | 1,296 |
| Total domestic deposits to total assets | 76.6684% | 6,536 |
| Equity capital to assets | 12.1430% | 1,832 |
| Core capital (leverage) ratio | 12.7178% | 1,234 |
| Tier 1 risk-based capital ratio | 21.7494% | 1,211 |
| Total risk-based capital ratio | 22.9852% | 1,189 |
| Memoranda: | ||
| Average total assets | $284,940,800 | 2,245 |
| Average earning assets | $263,535,200 | 2,226 |
| Average equity | $33,532,400 | 1,970 |
| Average total loans | $233,694,800 | 1,868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 4,457 |
| Cost of funding earning assets | 1.4704% | 3,140 |
| Net interest margin | 3.6039% | 4,854 |
| Noninterest income to average assets | 4.8688% | 138 |
| Noninterest expense to average assets | 6.9786% | 153 |
| Loan and lease loss provision to assets | 0.0423% | 6,664 |
| Net operating income to assets | 0.6906% | 3,461 |
| Return on assets (ROA) | 0.6906% | 3,620 |
| Pretax return on assets | 1.1789% | 2,568 |
| Return on Equity (ROE) | 5.9164% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,408 |
| Net charge-offs to loans | 0.0023% | 6,648 |
| Credit loss provision to net charge-offs | 2,250.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 649.3902% | 42 |
| Efficiency ratio | 85.1070% | 1,718 |
| Assets per employee ($millions) | 2.6108% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,780 |
| Loan loss allowance to noncurrent loans | 78.2328% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 5,107 |
| Noncurrent loans to loans | 1.1355% | 4,966 |
| Net loans and leases to total assets | 80.1458% | 726 |
| Net loans and leases to deposits | 106.1269% | 358 |
| Net loans and leases to core deposits | 108.2777% | 1,142 |
| Total domestic deposits to total assets | 75.5188% | 6,740 |
| Equity capital to assets | 11.7897% | 2,291 |
| Core capital (leverage) ratio | 12.5698% | 1,377 |
| Tier 1 risk-based capital ratio | 21.0788% | 1,344 |
| Total risk-based capital ratio | 22.2776% | 1,327 |
| Memoranda: | ||
| Average total assets | $283,432,250 | 2,290 |
| Average earning assets | $261,971,250 | 2,275 |
| Average equity | $33,082,250 | 2,014 |
| Average total loans | $234,659,750 | 1,885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 4,453 |
| Cost of funding earning assets | 1.4850% | 3,339 |
| Net interest margin | 3.6153% | 4,754 |
| Noninterest income to average assets | 4.7352% | 144 |
| Noninterest expense to average assets | 6.8807% | 160 |
| Loan and lease loss provision to assets | 0.0425% | 6,551 |
| Net operating income to assets | 0.6733% | 3,518 |
| Return on assets (ROA) | 0.6733% | 3,664 |
| Pretax return on assets | 1.1510% | 2,585 |
| Return on Equity (ROE) | 5.7885% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.7885% | 2,452 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2177% | 1,797 |
| Assets per employee ($millions) | 2.5543% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 6,860 |
| Loan loss allowance to noncurrent loans | 85.7323% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 5,272 |
| Noncurrent loans to loans | 1.0113% | 5,290 |
| Net loans and leases to total assets | 80.6924% | 702 |
| Net loans and leases to deposits | 106.1752% | 386 |
| Net loans and leases to core deposits | 108.2981% | 1,280 |
| Total domestic deposits to total assets | 75.9993% | 6,693 |
| Equity capital to assets | 11.5443% | 2,403 |
| Core capital (leverage) ratio | 12.3919% | 1,454 |
| Tier 1 risk-based capital ratio | 20.5461% | 1,420 |
| Total risk-based capital ratio | 21.7188% | 1,404 |
| Memoranda: | ||
| Average total assets | $282,181,670 | 2,317 |
| Average earning assets | $260,612,330 | 2,301 |
| Average equity | $32,823,670 | 2,024 |
| Average total loans | $235,470,000 | 1,907 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 4,077 |
| Cost of funding earning assets | 1.5096% | 3,493 |
| Net interest margin | 3.6807% | 4,348 |
| Noninterest income to average assets | 4.4896% | 150 |
| Noninterest expense to average assets | 6.7552% | 161 |
| Loan and lease loss provision to assets | 0.0430% | 6,249 |
| Net operating income to assets | 0.6324% | 3,745 |
| Return on assets (ROA) | 0.6324% | 3,869 |
| Pretax return on assets | 1.0826% | 2,795 |
| Return on Equity (ROE) | 5.4152% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.4152% | 2,925 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7169% | 1,820 |
| Assets per employee ($millions) | 2.6662% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 6,979 |
| Loan loss allowance to noncurrent loans | 202.5227% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 6,413 |
| Noncurrent loans to loans | 0.4214% | 6,452 |
| Net loans and leases to total assets | 82.4911% | 533 |
| Net loans and leases to deposits | 108.9822% | 315 |
| Net loans and leases to core deposits | 111.0630% | 1,218 |
| Total domestic deposits to total assets | 75.6923% | 6,803 |
| Equity capital to assets | 11.6042% | 2,289 |
| Core capital (leverage) ratio | 12.5785% | 1,378 |
| Tier 1 risk-based capital ratio | 20.3544% | 1,454 |
| Total risk-based capital ratio | 21.5171% | 1,441 |
| Memoranda: | ||
| Average total assets | $278,954,000 | 2,401 |
| Average earning assets | $257,018,500 | 2,378 |
| Average equity | $32,575,000 | 2,060 |
| Average total loans | $235,732,500 | 1,956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,090 |
| Cost of funding earning assets | 1.8057% | 3,961 |
| Net interest margin | 3.7052% | 4,121 |
| Noninterest income to average assets | 4.1941% | 162 |
| Noninterest expense to average assets | 6.3913% | 261 |
| Loan and lease loss provision to assets | 0.0439% | 7,118 |
| Net operating income to assets | 0.7429% | 2,758 |
| Return on assets (ROA) | 0.7429% | 2,844 |
| Pretax return on assets | 1.1948% | 1,969 |
| Return on Equity (ROE) | 6.3517% | 3,055 |
| Retained earnings to average equity (ytd only) | 6.3517% | 1,205 |
| Net charge-offs to loans | 0.0285% | 6,844 |
| Credit loss provision to net charge-offs | 176.4706% | 2,374 |
| Earnings coverage of net charge-offs (x) | 49.8235% | 515 |
| Efficiency ratio | 83.7662% | 2,379 |
| Assets per employee ($millions) | 2.7256% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 7,025 |
| Loan loss allowance to noncurrent loans | 181.8767% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 6,466 |
| Noncurrent loans to loans | 0.4600% | 6,344 |
| Net loans and leases to total assets | 85.1271% | 338 |
| Net loans and leases to deposits | 114.2418% | 261 |
| Net loans and leases to core deposits | 129.4777% | 1,308 |
| Total domestic deposits to total assets | 74.5149% | 6,942 |
| Equity capital to assets | 11.7529% | 2,163 |
| Core capital (leverage) ratio | 12.6807% | 1,361 |
| Tier 1 risk-based capital ratio | 20.0481% | 1,455 |
| Total risk-based capital ratio | 21.1923% | 1,438 |
| Memoranda: | ||
| Average total assets | $273,526,400 | 2,391 |
| Average earning assets | $253,646,400 | 2,375 |
| Average equity | $31,991,200 | 2,092 |
| Average total loans | $238,490,400 | 1,967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 4,158 |
| Cost of funding earning assets | 1.8844% | 3,957 |
| Net interest margin | 3.6654% | 4,219 |
| Noninterest income to average assets | 4.0772% | 163 |
| Noninterest expense to average assets | 6.2162% | 286 |
| Loan and lease loss provision to assets | 0.0439% | 6,930 |
| Net operating income to assets | 0.7699% | 2,939 |
| Return on assets (ROA) | 0.7699% | 2,998 |
| Pretax return on assets | 1.2245% | 2,184 |
| Return on Equity (ROE) | 6.5912% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.5912% | 1,669 |
| Net charge-offs to loans | -0.0011% | 7,581 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0528% | 2,423 |
| Assets per employee ($millions) | 2.6274% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 6,952 |
| Loan loss allowance to noncurrent loans | 186.7593% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 6,459 |
| Noncurrent loans to loans | 0.4550% | 6,412 |
| Net loans and leases to total assets | 86.9613% | 277 |
| Net loans and leases to deposits | 117.0165% | 254 |
| Net loans and leases to core deposits | 132.8372% | 1,280 |
| Total domestic deposits to total assets | 74.3155% | 6,893 |
| Equity capital to assets | 11.7875% | 2,364 |
| Core capital (leverage) ratio | 12.3786% | 1,630 |
| Tier 1 risk-based capital ratio | 19.7544% | 1,603 |
| Total risk-based capital ratio | 20.9174% | 1,581 |
| Memoranda: | ||
| Average total assets | $273,086,500 | 2,403 |
| Average earning assets | $253,863,500 | 2,394 |
| Average equity | $31,900,500 | 2,118 |
| Average total loans | $239,033,000 | 1,985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 4,142 |
| Cost of funding earning assets | 1.9479% | 4,015 |
| Net interest margin | 3.6380% | 4,218 |
| Noninterest income to average assets | 3.9232% | 170 |
| Noninterest expense to average assets | 6.1174% | 307 |
| Loan and lease loss provision to assets | 0.0438% | 6,795 |
| Net operating income to assets | 0.7090% | 3,213 |
| Return on assets (ROA) | 0.7090% | 3,317 |
| Pretax return on assets | 1.1522% | 2,454 |
| Return on Equity (ROE) | 6.0876% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.0876% | 1,976 |
| Net charge-offs to loans | -0.0008% | 7,464 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6462% | 2,519 |
| Assets per employee ($millions) | 2.7763% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 7,021 |
| Loan loss allowance to noncurrent loans | 475.1196% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 7,190 |
| Noncurrent loans to loans | 0.1768% | 7,075 |
| Net loans and leases to total assets | 84.4631% | 567 |
| Net loans and leases to deposits | 113.8967% | 401 |
| Net loans and leases to core deposits | 129.8201% | 1,585 |
| Total domestic deposits to total assets | 74.1576% | 6,932 |
| Equity capital to assets | 11.6699% | 2,403 |
| Core capital (leverage) ratio | 12.2512% | 1,720 |
| Tier 1 risk-based capital ratio | 19.8822% | 1,607 |
| Total risk-based capital ratio | 21.0566% | 1,570 |
| Memoranda: | ||
| Average total assets | $273,909,330 | 2,415 |
| Average earning assets | $255,251,330 | 2,397 |
| Average equity | $31,901,000 | 2,121 |
| Average total loans | $239,594,000 | 2,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 3,926 |
| Cost of funding earning assets | 2.0603% | 3,825 |
| Net interest margin | 3.6130% | 4,268 |
| Noninterest income to average assets | 3.6302% | 178 |
| Noninterest expense to average assets | 5.9166% | 296 |
| Loan and lease loss provision to assets | 0.0441% | 6,414 |
| Net operating income to assets | 0.6440% | 3,821 |
| Return on assets (ROA) | 0.6440% | 4,002 |
| Pretax return on assets | 1.0395% | 3,206 |
| Return on Equity (ROE) | 5.5352% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.5352% | 2,851 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5201% | 2,247 |
| Assets per employee ($millions) | 2.7920% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 7,102 |
| Loan loss allowance to noncurrent loans | 6,982.1429% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 7,612 |
| Noncurrent loans to loans | 0.0117% | 7,536 |
| Net loans and leases to total assets | 86.8765% | 344 |
| Net loans and leases to deposits | 118.7453% | 318 |
| Net loans and leases to core deposits | 136.8143% | 1,257 |
| Total domestic deposits to total assets | 73.1620% | 7,027 |
| Equity capital to assets | 11.6375% | 2,489 |
| Core capital (leverage) ratio | 12.1944% | 1,821 |
| Tier 1 risk-based capital ratio | 19.3740% | 1,740 |
| Total risk-based capital ratio | 20.5206% | 1,718 |
| Memoranda: | ||
| Average total assets | $272,049,500 | 2,446 |
| Average earning assets | $253,750,500 | 2,418 |
| Average equity | $31,652,000 | 2,137 |
| Average total loans | $241,151,000 | 2,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9223% | 5,935 |
| Cost of funding earning assets | 2.5470% | 3,970 |
| Net interest margin | 3.3753% | 5,764 |
| Noninterest income to average assets | 4.6682% | 134 |
| Noninterest expense to average assets | 6.4456% | 340 |
| Loan and lease loss provision to assets | 0.0113% | 7,227 |
| Net operating income to assets | 0.7631% | 3,605 |
| Return on assets (ROA) | 0.7631% | 3,449 |
| Pretax return on assets | 1.3702% | 2,055 |
| Return on Equity (ROE) | 6.6255% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.6255% | 1,286 |
| Net charge-offs to loans | 0.0128% | 6,732 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 370 |
| Efficiency ratio | 80.6541% | 2,508 |
| Assets per employee ($millions) | 2.8775% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 7,135 |
| Loan loss allowance to noncurrent loans | 6,875.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 7,584 |
| Noncurrent loans to loans | 0.0115% | 7,504 |
| Net loans and leases to total assets | 88.9941% | 284 |
| Net loans and leases to deposits | 125.4503% | 277 |
| Net loans and leases to core deposits | 146.9139% | 983 |
| Total domestic deposits to total assets | 70.9398% | 7,168 |
| Equity capital to assets | 11.6318% | 2,544 |
| Core capital (leverage) ratio | 11.9827% | 1,970 |
| Tier 1 risk-based capital ratio | 19.2415% | 1,764 |
| Total risk-based capital ratio | 20.3744% | 1,737 |
| Memoranda: | ||
| Average total assets | $266,011,600 | 2,414 |
| Average earning assets | $248,955,400 | 2,381 |
| Average equity | $30,639,200 | 2,201 |
| Average total loans | $233,604,800 | 2,021 |